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Tradd, I applaud you on your get out of debt push. You have made great progress. Don’t feel bad about not having a mortgage deduction, most people don’t due to the high personal exemption. Also...

I have dealt with such issues and given reasonable suspicion one can take an employee to a for cause sobriety test. The employee can admit to being unwell and leave the workplace due to illness, but...

My first inheritance was being born into a frugal household. My mother inherited generational wealth after my siblings and I were grown. I later, six years ago I received my portion. I paid off...

12 flights in the last month. March 28 up/back to Sacramento Southwest for a consulting meeting. April 1 LAX to Paris to Tel Aviv, delayed thirty minutes leaving CDG due to work slowdown. Return...

I have all that I need including world famous comedy club, theater, movies, great restaurants, grocery, doctors, homeless, druggies and light rail system all within a ten minute walk. We moved here...

Meant to say the three letter word that means sick. Auto correct!

I will get it, but how long do you have to wait after being I’ll? I currently have Covid first time after 30 months of the plague

I had the opportunity when my system moved from 2%@62 to 2.7%@55. I had enough in my 457 plan to do it but I didn’t. My reasoning was, I was a single parent at the time and based on my retirement...

Colleges that did away with the SAT dumbed down their student body. This seemed to start as state schools with this idea to make things equal to enroll. Those with test anxiety or the “bias” of the...

I grew up in Maine and am often asked why I don’t have an accent. My mother was from Montreal and father from Massachusetts and they both went to college in the late 40’s and early 50’s.

A high...

For those doing the same calculations, if you continue to earn FICA wages, it generally is beneficial to delay SS benefits due to the tax implications.

but with any financial scheme, your mileage...

Prednisone for two days brought 90% relief I am cutting down on red meat,I only drink 3-4 beers per month

I woke Wednesday at 0400 to excruciating pain in my ankle. I thought maybe a stress fracture but I didn’t do anything. Rest, ice, compression. Thursday off to doctors with diagnosis of gout. 20mg...

If you pull money from 401k or IRA prior to age 59 you have a 10% penalty besides taxes. That might not be the case with 457 funds.

The key is to minimize taxes. Presently capital gains have preferred tax treatment thus it would be best to sell securities in. Taxable account prior to taking distribution from tax deferred,...

We have a lot of inflation thanks to the stimulus and I have yet to be thanked by anyone who got a stimulus check. I’m one of those hardworking people who earned a ot of money and even though I’m...

I didn’t like cruising in the past. I went to the eastern Caribbean in 1992, a four day California cruise in 2017, a 14 day cruise to Hawaii in 2018, a five day Vancouver to Long Beach in 2019. We...

My understanding that the phrase “socialist snowplow” came from a response to government haters wanting the government to get off our backs and the response was something to the effect of “how do you...

I'm with the group. Great ideas but some twisted aspects.

I listen to his daily show via podcast, I walk about 5-7 miles a day so this is easy to do. I find most of the stories and efforts that...

you are debt free now, remain so. Don’t take on the risk of a foreclosure. Once out of debt, stay out of debt

I actually know what an MGA is! I’m a retired risk manager. I still do some audit and trial monitoring work. I see that you are a cyber guy. The last cyber product I bought had an odd component. ...

I do like road trips. Many round trip New Jersey to Maine when I was first out of school (I grew up in Maine), twice trips Maine to California one way, four round trips to Denver from California,...

Similar to the topic of this thread, next week I drive from California to Colorado for son’s wedding. We tried to have him get married then have a party next year, but this type of event with masks...

I’m like Bae, I have about seven months of living expenses in my checking account. The reason is that I make quarterly tax payments which I don’t consider to be monthly living expenses and I’d...

BIPOC =Black, Indigenous, Person of Color. This acronym was on a Pacific Crest Trail FB thread. I had to look up the meaning as I wasn’t “woke”. I do think it is a bit redundant as the last I...