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I carry auto & home with Geico. They farmed out my home policy to Liberty Mutual. My premium last year was $2,085, about the same as it's been for 3+ years. Just got my renewal notice, exact same coverage, new premium is $5,223. I have never filed a claim in the 47 years we've been homeowners...

Don’t know if it’s correct but according to a recent thread on Bogleheads, here are the fees Vanguard generates through their PAS basic financial management service. :coolsmiley: At 0.3% of AUM, I am sure Vanguard is recommending the same portfolio for everyone just adjusting for AA and maybe a...

My robe comes undone constantly, it's a bother. Tried this for the first time recently, and was shocked at how well it works. Might help that the video is the exact some robe I have. I was wrapping the sash all the way around like a belt and doing the same loose "knot" in the front, comes loose...

I play golf regularly with over 20 guys. All of us are at least comfortably FIRE or SIRE. One guys (alias Joe) wife has had several health issues for many years. She recently had a cancer relapse, began treatments, but it’s been so difficult she’s elected to stop treatments. The guy who...

To my dismay, neither of our cars have a spare tire, jack, etc. I guess that’s becoming more and more common. Even worse, I’d be more than willing to buy everything needed, but there’s no place to put it all without tying up tons of space in the trunk/hatch. Most cars used to have a well under...

For whatever reason, I have begun to read about how people choose their friends, consciously or sub-consciously. For example, I have known lots of people who very deliberately exclude others from their friend network based on socioeconomic class and/or political views. Clearly some people...

We really try to keep up with tech, and not be proud senior luddites. We've been using Apple Pay for more than a year, and until some young whippersnapper showed me the easy way (one tap), I was doing it the hard way (two taps). I was doing a tap and getting the double click prompt which...

I've used TurboTax for years, and this doesn't surprise me but Intuit is much more of a villain than I realized. However, the complexity of the US tax code is just as much of a problem, and that's not the fault of Intuit or the IRS. So many developed countries do citizens taxes for them, for...

My PCP has referred me to a specialist in a field we know nothing about. From what I could tell, Healthgrades.com is one of the more high traffic healthcare review sites, but that doesn't mean it's the most reliable. When I looked at the specialist, his reviews are almost entirely 'he's perfect'...

I’ve taken the FTC on my annual Federal return for many years. To my surprise, there is also a FTC in my state, that I’d overlooked in previous years. Maybe I’m the only one, but FYI to anyone else in the FTC camp. A worthwhile amount on both my returns…...

I NEVER answer any number that’s not already in my contacts, but I probably average 2-3 scam calls per day. All from unrecognized area codes, or my former area code, some with caller ID of “United States.” :laugh: I wish I knew why I get as many as I do, but I know all of us suffer from having...

From Bogleheads. Thought this might interest some here, a state tax reduction that I would have overlooked (saves me $243). The Vanguard consolidated 1099 shows % govt obligations for funds excluding MMs, which is why I would have missed it. Turns out this discussion has occurred about this time...

Just planning in the event we go back to 2017 tax brackets again when TCJA is scheduled to sunset, what will the corresponding taxable income ranges be for each bracket? I have looked and haven't found anything on my own. Just trying to plan whether we have a sunset or an extension. I know...

I may be the only one so FWIW. I play a lot of golf, and I’ve added pickleball a couple times a week over a year ago. A new heavier paddle and more play in October seemingly led to tennis elbow right arm. It was so bad at the start I couldn’t lift a coffee cup! It did get better with ice, heat...

Please, not a thread to argue the merits of TT vs alternatives. There have been/are/will be plenty of those. For those of us who have decided to use TurboTax for 2023. I know I got a very good discount last year on 12/28, so I am hoping I will see something like 30% off plus a $10 Amazon gift...

I got up early today as usual, DW slept a little longer. I won’t put 00:00 times to it because this thread isn’t meant as a contest about who gets up earliest/latest/other - I think that’s already been done here anyway. When I get up varies almost every day, same with DW. I was just reflecting...

I just sold a car a couple weeks ago, and thought I’d share my experience for anyone else so inclined. To cut to the chase Vroom offered me $28.7K, CarMax $29.0K and Carvana $30.4K so obviously I went with the latter. The entire process including all the paperwork was done online with Carvana...

Thought it could be amusing. I assume we all know? I assume “mama” is one of the most common. Mine was “wheel.” Evidently I was fascinated with toy cars very early on.

I realize estimates of future Soc Sec benefits can be way off when we're younger, as they are extrapolating what future earnings may be, in some cases many years. But I retired in 2011, with more than 35 years of earnings history, so I am assuming the estimate Soc Sec has published on my...

And they magically reappeared…:facepalm: Sorry

Every year I wait until my 1099 to know qualified dividends, Sec199A and foreign taxes paid on Vanguard MFs. It would be helpful for tax planning if I could know that breakdown as dividends are distributed each quarter. Am I just not looking in the right place?

I’ll be filing for SS benefits in a few months, I understand it’s direct deposit into our checking account. I understand Medicare B & D premiums will be paid from my SS payment, and I plan to withhold the maximum amount for Fed taxes as well (22% of net after Medicare it appears). I understand...

Sometimes the little things make us smile. This morning DW asked me to take the @$%& cap off her mouthwash bottle. While I opened it, she said I wish there was a way to bypass the $#&@ childproof feature. We don’t have kids living with us. And it couldn’t be easier. I used a utility knife...

Just which alcohol beverage is your preference, not necessarily to the exclusion of others. Only asking because beer is my third or fourth choice, unlike most of my peers. I have less than 7 drinks/week. If you don’t drink or or prefer none, you don’t have to vote, but there’s a choice for...

Just an informative article on a phenomenon we’re all aware of. I’ve been wondering if I should hold on to my REIT fund, but I suspect this is already baked in. We had dinner with some Chicago friends last night who just went to San Francisco. They said it’s much the same down near the piers...