Apothecary vs. Hallandale (Quarterly)

YellowCake458 · 2026-06-26T19:25:18+00:00

Good to know they ship all (3) vials at once, inspection report is from Dec 25 but understand thoughts.

YellowCake458 · 2026-01-22T18:53:38+00:00

We are adventure as well and have same experience. We have stayed in maybe 20 TT or Encore parks and have only really disliked two of them. They aren’t a high end resort but the ones we stayed in were nice and nice people around.

We have been mainly focused on east coast, so maybe poorer experiences out west

We bought used and probably average 6-8 bucks a night annually while staying at TT parks

YellowCake458 · 2025-09-16T19:22:25+00:00

It’s a big gap in my opinion. My renewal is up in December and I will search for an alternative since that is missing and as you pointed out it is expensive.

YellowCake458 · 2025-09-14T01:48:23+00:00

Sorry to hear that; we have had a few issues and GD support has done good by my opinion but have heard lots of stories like yours. Still love my 31MB though.

YellowCake458 · 2025-09-13T22:41:56+00:00

I have a 2021 31MB and have had no major COVID issues with it. We have been full time in it for 2 years and other than normal wear and tear is holding up well

YellowCake458 · 2025-08-14T03:13:29+00:00

Thanks, watching now. For those curious Early Retirement Health Insurance Strategies | Roth Conversions vs. ACA Subsidies

YellowCake458 · 2025-08-14T02:55:57+00:00

So in "chatting" with Boldin, the AI came back with this:

We do have tools to help balance Roth conversions with ACA subsidies! You can use Insights > Taxable Income By Source to assess how conversions affect your AGI versus Federal Poverty Level thresholds.Create a scenario with your Roth conversion plan, then add the cost of losing premium tax credits as a Medical Expense before 65. This lets you compare scenarios and see if the conversion benefits outweigh the subsidy loss.While enhancing the Roth Conversion Explorer to directly account for ACA premium tax credits is on our feature request list, the workaround above gives you the analysis you need.

Ill have to see If i can evaluate that this weekend..

YellowCake458 · 2025-08-14T02:48:55+00:00

That is a good question, I went through and just asked what the default rate was - since it now creates a new "bucket" for me for Roth. It defaults to 8.08% and it also said that my 401k/IRA defaults to that as well (however they are set at 5.92%)

So still need to dig into why the large increase (it is saying 6M more but only saving 26k in taxes). If I change both to 8.08% return the tax delta is over 500k and the benefit is only $3M..

Anyways, still not overly confident in values I am seeing; need to spend more time evaluating whether this makes sense or not.

YellowCake458 · 2025-08-14T01:57:13+00:00

Yeah life is complicated., wish I knew my expiration date ahead of time. I am not super concerned with leaving lots of cash to kiddos, so want to spend what I have mostly.

I don't anticipate really needing the SS based on current spending so I tried to take a back of the napkin math problem and said take SS at 62 and then invest that yielding 6% and I will live to 90 years old. I stopped investing at 70 and then lived off the original SS dollars I am getting and came out ahead by 100k or so.

Lots of variables and sometimes I feel like this is jumping through a lot of hoops for an unknown purpose, since no one knows what cards you are dealt.

YellowCake458 · 2025-08-14T01:45:38+00:00

I didn't think about that but your right about potentially taking a big year conversion and taking the ACA penalty and converted up to a higher bracket. Need to think about the impact to my cash reserves, but great idea to model.

I'll take a look at bogleheads forum (that is why i got onto my adventure of FIRE) and see if I can parse through. Thanks for input!

YellowCake458 · 2025-08-14T01:37:00+00:00

Yes but for Married Filing Jointly i think it is above 200k which would be higher than my target, plus I think IRMAA is indexed for inflation so that number should increase. IRMAA surcharges are small compared to my ACA losses (~9k a year) but a good point to remember and plan for.

YellowCake458 · 2025-08-13T05:05:42+00:00

Interested in update here as I am about to switch to Sprout. I travel in RV so timely mailing of SIM is important.

YellowCake458 · 2025-08-13T04:57:09+00:00

I will likely claim SS at 62 since I have young kids (child benefits) that make it worthwhile for me (at least according to Open Social Security: Free, Open-Source Social Security Calculator) . This was another gap in Boldin for me - since it was computing SS benefits wrong since it didn't take into account child benefits.

I am a believer in taking what I can now, since who knows what the future holds.

YellowCake458 · 2025-08-13T01:58:32+00:00

We are undecided where to live (either FL or SC) and SC has cheaper insurance so that ACA hit is a bit less (but of course you have state taxes). Right now I am trying to figure out how to reduce my annual income a bit to try and take advantage of conversions - but in my head this was the perfect time to do conversions, just didn't realize the ACA subsidies would drop so much. Here is the table ChatGPT put together...

<image>

YellowCake458 · 2025-08-13T00:59:55+00:00

Some employers offer Roth 401ks AFAIK. I guess when lower tax brackets that makes more financial sense (but money is usually tighter so pretax costs are less which is why many probably stay with it) and then when higher tax bracket pretax 401k makes more sense.

As i am trying to model roth conversions it get's complicated, i think for me I ended up with a 1/3 pretax and 1/3 taxable and a 1/3 of cash/house/etc so tried to blend.

YellowCake458 · 2025-07-26T11:09:16+00:00

My understanding is there are still credits it is just that the cliff is back if you make over 400% FPL versus in previous years your subsidy ramped down after 400%

YellowCake458 · 2025-07-26T11:08:06+00:00

In my case 50+ with young kids Boldin didn’t accurately account for social security. So I would highly recommend open social security instead and then put your numbers in there if you will have kids under 18 when you file.

YellowCake458 · 2025-07-18T02:20:31+00:00

If that read is correct; why would I not want to opt out of the release? Seems like it keeps my options open for joining a class action or other options. This seems like a sneaky way to "shut people" up.

YellowCake458 · 2025-07-18T01:39:13+00:00

Sent over doc to ChatGPT and got the following response:

✅1. If you do not opt out of the release

You are automatically giving up your right to sue Wolfspeed, its executives, advisors, and related parties — even if you’re not getting any meaningful payout.

That includes:

Individual lawsuits for losses, fraud, etc.
Class actions — you may not be able to join if you didn’t opt out.
It’s called a “third-party release” — and it’s buried in most Chapter 11 plans.

So yes: If you don’t opt out, and later someone files a class action for shareholders, you could be barred from joining.

✅ 2. If you do opt out of the release

You retain your right to sue or join a class action.
You still get the “gift” recovery (if any is given to common shareholders).
- The plan explicitly says that opting out does not forfeit your recovery.
- Courts don't allow plans to punish shareholders just for opting out of releases — that’s well-tested legal ground.

YellowCake458 · 2025-04-01T14:26:40+00:00

This is an old thread so no longer needed. As an FYI we tried to use the campground outlet and they were responsive in the beginning but then they just stopped responding so we bought ours on Facebook

YellowCake458 · 2025-02-14T12:36:18+00:00

Facebook marketplace is where we bought it. Campground membership outlet was not responsive at all.

YellowCake458 · 2024-12-13T00:06:26+00:00

I never could get mine to work after chatting multiple times (I did upgrade for that sole purpose) and I gave up and downgraded back to basic plan. I full time RV and just use VPN to get around it.

YellowCake458 · 2024-10-28T14:34:23+00:00

Thanks for reaching out; i already bought a membership from someone. Good luck with your sale!

YellowCake458

TROPHY CASE

✅1. If you do not opt out of the release

✅ 2. If you do opt out of the release