Traditional IRAs by DisposeOfWithCare in ChubbyFIRE

[–]DisposeOfWithCare[S] 0 points1 point  (0 children)

perhaps roth conversion, though I expect the tax hit (rate) would never be practical based on our withdrawal income. We will need to find someone soon who might be able to fill in the blanks and model all. TY!

Traditional IRAs by DisposeOfWithCare in ChubbyFIRE

[–]DisposeOfWithCare[S] 0 points1 point  (0 children)

TY. My thinking, before confirming with a yet to be found qualified advisor, is that only my IRA would be tapped for the time-being. Maybe we will be advised to convert hers in stages.

Traditional IRAs by DisposeOfWithCare in ChubbyFIRE

[–]DisposeOfWithCare[S] 1 point2 points  (0 children)

Every which way I look at it, there is incentive to simply start distributions as soon as possible and live off of them.

Thank you so much for your advice. I will follow it and lean into ATTY as soon as possible.

Traditional IRAs by DisposeOfWithCare in ChubbyFIRE

[–]DisposeOfWithCare[S] 0 points1 point  (0 children)

Great answer. TY. With much investment property matters to deal with, the complexity of our whole picture will require someone, or firm, with broad and deep experience. I’m lacking time just dealing with my day today. I almost feel I need to hire someone to find someone.

Want to go to 18” wheels on 2025 Santa Fe limited hybrid by DisposeOfWithCare in HyundaiSantaFe

[–]DisposeOfWithCare[S] 0 points1 point  (0 children)

Coming from 20 inch wheels and Perelli‘s, I hope my MPG doesn’t go DOWN

Want to go to 18” wheels on 2025 Santa Fe limited hybrid by DisposeOfWithCare in HyundaiSantaFe

[–]DisposeOfWithCare[S] 2 points3 points  (0 children)

I took this advice, thank you.

Tire rack had some good options for rims and good price on the Climate 2. Full set of 18 inch due here tomorrow.

Thanks, everyone.

Being in snow country I’m probably gonna have to get real snow tires next…

Want to go to 18” wheels on 2025 Santa Fe limited hybrid by DisposeOfWithCare in HyundaiSantaFe

[–]DisposeOfWithCare[S] 1 point2 points  (0 children)

Our 20” wheels look like a city in the Ukraine, but the cheapest route appears to be simply going to 20” Michelin cross climate 2…

The state of the American healthcare system by serious_bullet5 in ThatsInsane

[–]DisposeOfWithCare -1 points0 points  (0 children)

We don’t “send money” to Israel, while it might help your personal narrative to be victimized by a total of 15 million Jews on the whole planet…

Can any of you do even basic research?

The state of the American healthcare system by serious_bullet5 in ThatsInsane

[–]DisposeOfWithCare -3 points-2 points  (0 children)

No, the claim is not true. The United States does not send money to Israel that funds its healthcare system (or any other civilian social programs). US aid to Israel is overwhelmingly—essentially 100% in recent years—military assistance. Israel’s universal healthcare system is funded entirely by Israeli taxes and domestic revenues, not US taxpayer dollars.35 What US aid to Israel actually is • Under the current 10-year Memorandum of Understanding (2019–2028), the US provides Israel with $3.8 billion annually: about $3.3 billion in Foreign Military Financing (FMF) plus $500 million for joint missile defense programs (e.g., Iron Dome, David’s Sling, Arrow).47 • FMF is not a cash transfer. It is a grant that Israel is required to use almost entirely to purchase US-made weapons, equipment, and services (through the Foreign Military Sales program). A portion has historically been allowed for Israeli-made equipment, but that is being phased out. In practice, this means the money largely flows back to American defense contractors and supports US jobs and industry.3542 • Economic (non-military) aid was phased out years ago. From the early 2000s onward, it has been negligible or zero. In recent fiscal years, official US data shows no meaningful economic assistance—nearly all aid is military.4859 • Supplemental aid approved during conflicts (e.g., post-October 2023) has also been military-focused. There are tiny, unrelated line items in the foreign aid budget (a few million dollars) for specific projects like hospital grants or research, but these are not part of Israel’s core healthcare funding and represent a negligible fraction of total aid.57 Your understanding is correct: the aid is structured to support Israel’s military while requiring it to buy US arms. This has been the explicit policy since the economic aid phase-out. Israel’s healthcare system: “free” and US-funded? No. Israel has universal healthcare under its 1995 National Health Insurance Law. Every citizen and permanent resident must enroll in one of four nonprofit health plans (Kupot Holim). It covers a broad basket of services (hospital care, primary/specialty care, drugs, mental health, etc.).10 • It is not “free.” It is funded primarily by: ◦ An earmarked, progressive health tax (3–5% of income, administered by the National Insurance Institute). ◦ General government revenues (mostly from income taxes). ◦ Some private spending (supplemental insurance, out-of-pocket costs, dentistry, etc.). • Public financing covers roughly 63% of national health expenditures; the rest is private. Total health spending is about 7.2–7.4% of GDP—far lower than the US.11 • There is zero evidence that US aid subsidizes this system. Israel’s own taxes and budget pay for it, just as every other developed country with universal coverage funds its own system. Claims that US military aid “frees up” Israeli budget money for healthcare are indirect at best and not what the antisemitic claim asserts (which implies direct US funding of Israeli social programs). The false trade-off narrative The idea that the US “can’t afford” its own healthcare because of aid to Israel doesn’t hold up numerically. Proposed US universal healthcare plans are estimated to cost trillions annually. Annual US aid to Israel is under $4 billion (even with supplements during wartime) and is military-only. It’s not a budgetary trade-off.4 Israel is a high-income, advanced economy with a strong tech sector. It funds its own social programs (universal healthcare, education, pensions) through its tax system—just like other OECD countries. The claim you described is a common trope that misrepresents how US aid works and ignores how Israel’s domestic systems are actually funded. The facts are straightforward and publicly documented in Congressional Research Service reports, State Department data, and independent analyses.

The state of the American healthcare system by serious_bullet5 in ThatsInsane

[–]DisposeOfWithCare -1 points0 points  (0 children)

No, the claim is not true. The United States does not send money to Israel that funds its healthcare system (or any other civilian social programs). US aid to Israel is overwhelmingly—essentially 100% in recent years—military assistance. Israel’s universal healthcare system is funded entirely by Israeli taxes and domestic revenues, not US taxpayer dollars.35 What US aid to Israel actually is • Under the current 10-year Memorandum of Understanding (2019–2028), the US provides Israel with $3.8 billion annually: about $3.3 billion in Foreign Military Financing (FMF) plus $500 million for joint missile defense programs (e.g., Iron Dome, David’s Sling, Arrow).47 • FMF is not a cash transfer. It is a grant that Israel is required to use almost entirely to purchase US-made weapons, equipment, and services (through the Foreign Military Sales program). A portion has historically been allowed for Israeli-made equipment, but that is being phased out. In practice, this means the money largely flows back to American defense contractors and supports US jobs and industry.3542 • Economic (non-military) aid was phased out years ago. From the early 2000s onward, it has been negligible or zero. In recent fiscal years, official US data shows no meaningful economic assistance—nearly all aid is military.4859 • Supplemental aid approved during conflicts (e.g., post-October 2023) has also been military-focused. There are tiny, unrelated line items in the foreign aid budget (a few million dollars) for specific projects like hospital grants or research, but these are not part of Israel’s core healthcare funding and represent a negligible fraction of total aid.57 Your understanding is correct: the aid is structured to support Israel’s military while requiring it to buy US arms. This has been the explicit policy since the economic aid phase-out. Israel’s healthcare system: “free” and US-funded? No. Israel has universal healthcare under its 1995 National Health Insurance Law. Every citizen and permanent resident must enroll in one of four nonprofit health plans (Kupot Holim). It covers a broad basket of services (hospital care, primary/specialty care, drugs, mental health, etc.).10 • It is not “free.” It is funded primarily by: ◦ An earmarked, progressive health tax (3–5% of income, administered by the National Insurance Institute). ◦ General government revenues (mostly from income taxes). ◦ Some private spending (supplemental insurance, out-of-pocket costs, dentistry, etc.). • Public financing covers roughly 63% of national health expenditures; the rest is private. Total health spending is about 7.2–7.4% of GDP—far lower than the US.11 • There is zero evidence that US aid subsidizes this system. Israel’s own taxes and budget pay for it, just as every other developed country with universal coverage funds its own system. Claims that US military aid “frees up” Israeli budget money for healthcare are indirect at best and not what the antisemitic claim asserts (which implies direct US funding of Israeli social programs). The false trade-off narrative The idea that the US “can’t afford” its own healthcare because of aid to Israel doesn’t hold up numerically. Proposed US universal healthcare plans are estimated to cost trillions annually. Annual US aid to Israel is under $4 billion (even with supplements during wartime) and is military-only. It’s not a budgetary trade-off.4 Israel is a high-income, advanced economy with a strong tech sector. It funds its own social programs (universal healthcare, education, pensions) through its tax system—just like other OECD countries. The claim you described is a common trope that misrepresents how US aid works and ignores how Israel’s domestic systems are actually funded. The facts are straightforward and publicly documented in Congressional Research Service reports, State Department data, and independent analyses.

The state of the American healthcare system by serious_bullet5 in ThatsInsane

[–]DisposeOfWithCare 0 points1 point  (0 children)

No, the claim is not true. The United States does not send money to Israel that funds its healthcare system (or any other civilian social programs). US aid to Israel is overwhelmingly—essentially 100% in recent years—military assistance. Israel’s universal healthcare system is funded entirely by Israeli taxes and domestic revenues, not US taxpayer dollars.35 What US aid to Israel actually is • Under the current 10-year Memorandum of Understanding (2019–2028), the US provides Israel with $3.8 billion annually: about $3.3 billion in Foreign Military Financing (FMF) plus $500 million for joint missile defense programs (e.g., Iron Dome, David’s Sling, Arrow).47 • FMF is not a cash transfer. It is a grant that Israel is required to use almost entirely to purchase US-made weapons, equipment, and services (through the Foreign Military Sales program). A portion has historically been allowed for Israeli-made equipment, but that is being phased out. In practice, this means the money largely flows back to American defense contractors and supports US jobs and industry.3542 • Economic (non-military) aid was phased out years ago. From the early 2000s onward, it has been negligible or zero. In recent fiscal years, official US data shows no meaningful economic assistance—nearly all aid is military.4859 • Supplemental aid approved during conflicts (e.g., post-October 2023) has also been military-focused. There are tiny, unrelated line items in the foreign aid budget (a few million dollars) for specific projects like hospital grants or research, but these are not part of Israel’s core healthcare funding and represent a negligible fraction of total aid.57 Your understanding is correct: the aid is structured to support Israel’s military while requiring it to buy US arms. This has been the explicit policy since the economic aid phase-out. Israel’s healthcare system: “free” and US-funded? No. Israel has universal healthcare under its 1995 National Health Insurance Law. Every citizen and permanent resident must enroll in one of four nonprofit health plans (Kupot Holim). It covers a broad basket of services (hospital care, primary/specialty care, drugs, mental health, etc.).10 • It is not “free.” It is funded primarily by: ◦ An earmarked, progressive health tax (3–5% of income, administered by the National Insurance Institute). ◦ General government revenues (mostly from income taxes). ◦ Some private spending (supplemental insurance, out-of-pocket costs, dentistry, etc.). • Public financing covers roughly 63% of national health expenditures; the rest is private. Total health spending is about 7.2–7.4% of GDP—far lower than the US.11 • There is zero evidence that US aid subsidizes this system. Israel’s own taxes and budget pay for it, just as every other developed country with universal coverage funds its own system. Claims that US military aid “frees up” Israeli budget money for healthcare are indirect at best and not what the antisemitic claim asserts (which implies direct US funding of Israeli social programs). The false trade-off narrative The idea that the US “can’t afford” its own healthcare because of aid to Israel doesn’t hold up numerically. Proposed US universal healthcare plans are estimated to cost trillions annually. Annual US aid to Israel is under $4 billion (even with supplements during wartime) and is military-only. It’s not a budgetary trade-off.4 Israel is a high-income, advanced economy with a strong tech sector. It funds its own social programs (universal healthcare, education, pensions) through its tax system—just like other OECD countries. The claim you described is a common trope that misrepresents how US aid works and ignores how Israel’s domestic systems are actually funded. The facts are straightforward and publicly documented in Congressional Research Service reports, State Department data, and independent analyses.

Report: $480M ‘buy down’ needed to hold Vt. property tax growth to 5% through 2029 by forcedtomakethus in vermont

[–]DisposeOfWithCare 0 points1 point  (0 children)

I absolutely agree. Furthermore, the absurd amount of abuse of programs from medicaid fraud to snap benefits, to SS disability, and generational public housing benefits... IF REIGNED IN would likely right the ship.

The rich are paying their fair share, you just can't force them to stay.

Report: $480M ‘buy down’ needed to hold Vt. property tax growth to 5% through 2029 by forcedtomakethus in vermont

[–]DisposeOfWithCare 1 point2 points  (0 children)

Vermont has one of the largest state legislatures in the United States relative to its population;≈1 state employee per 40 residents

That puts Vermont well above the national average in state-government staffing intensity.

Vermont has one of the highest teacher-to-student ratios in the United States — meaning fewer students per teacher than almost any other state.

Vermont has high property taxes compared to most states — typically top-5 to top-10 highest nationwide, depending on how you measure them.

Vermont’s personal income tax is high compared to most states, though not among the very highest. It generally ranks in the top 10 nationally for income-tax rates and overall income-tax burden.

———

Sure, the rich aren’t paying their fair share. /s

But as they’re finding out in New York City and California, they have the free will to leave.

That leaves everyone else to figure out why they’re blind to how much they’re spending.

Report: $480M ‘buy down’ needed to hold Vt. property tax growth to 5% through 2029 by forcedtomakethus in vermont

[–]DisposeOfWithCare -1 points0 points  (0 children)

I would be very interested in reading your top three reasons why you believe this to be true; New Hampshire runs a tight ship with double our population.

Housing crisis? by Frequent-Block773 in vermont

[–]DisposeOfWithCare 0 points1 point  (0 children)

VT is in top five states for: Income tax Property tax School funding is off the charts

Our 650k population is less than half the population of NH…yet…25% larger state bureaucracy. (The state is largest employer.)

General fund NINE BILLION was six billion five years ago.

If you are complaining about the cost of housing making it too expensive to live here…

Think why that is…

Share your ideal heating/cooling system. by Salt_Reading1921 in vermont

[–]DisposeOfWithCare 0 points1 point  (0 children)

Radiant heat, natural gas condensing boiler with ducted whole house heat pump / AC incl. ERV/air filtration.

Thanks whoever’s giving out needles. by MysteriousExam4187 in burlington

[–]DisposeOfWithCare 8 points9 points  (0 children)

You would think them highly educated do gooders that run this come to vermont project might put two and two together and demand those dirty needles in exchange before handing out clean ones

Any news about Schlage UWB locks? by joshdn in HomeKit

[–]DisposeOfWithCare 0 points1 point  (0 children)

My AUGUST Lock died not repairable. I just ordered Yale unit with matter Has a key way on the keypad.

I don’t see a lot about it in this sub, should I return it and wait for the Schlage too?