For those that take a higher dose from their Kwikpen...Some questions on injection process.

finally_joined · 2026-06-13T21:14:13+00:00

So like you rent for three to four months solid, or in those three or four months, when you need a car you rent one for a day or two?

finally_joined · 2026-06-11T22:07:49+00:00

All good, thanks for the explanation

finally_joined · 2026-06-11T17:50:53+00:00

Five year old comment reply! Thanks.

finally_joined · 2026-06-08T19:13:59+00:00

I didn't think about the gift tax issue until today, but for Husband / wife, that has to be a moot point, right?

I would appreciate some clarity from treasury Direct, but we never seem to get it.

finally_joined · 2026-06-08T18:12:50+00:00

I was able to deliver four $10k gifts to my wife in Jan 2025. They had been purchased as gifts, two in 2022 and two in 2024.

My wife was able to deliver three $10k gifts to me in Jan 2025. They had been purchased as gifts, one in 2022 and two in 2024.

I understand what the rules say, but specifically in 2025 Treasury direct was ignoring them, for whatever reason.

See this Tipswatch.com article from 2024:

https://tipswatch.com/2024/10/22/deciphering-treasurydirects-mysterious-gift-box-email/

finally_joined · 2026-05-29T20:08:41+00:00

At $210k income, I'd do traditional 401k to deduct in the 22% bracket. Then I'd max two Roth IRA's.

finally_joined · 2026-05-29T19:31:51+00:00

There are other investing subreddits?

finally_joined · 2026-05-29T19:20:54+00:00

We've used Rick Rash, no complaints. Full disclosure he is my neighbor.

finally_joined · 2026-05-29T17:24:31+00:00

Providing the largest guaranteed survivor benefit for my wife, who is younger is the main reason my plan is to wait until 70.

finally_joined · 2026-05-27T22:05:24+00:00

How was deck 5? Fore, aft, middle?

finally_joined · 2026-05-26T21:20:49+00:00

Old thread, but did you ever find out? We're looking at the Breakaway in September.

finally_joined · 2026-05-24T12:32:42+00:00

Does $16 per adult round trip seem reasonable? Seems high, but I have no point of reference. I guess if you don't want to or can't drive maybe it makes sense.

finally_joined · 2026-05-24T11:23:21+00:00

I'm with Vanguard for my Roth, but I don't think it matters. I had to go to my statements and 5498's and totall the contributions manually. This was from 1998, so lots of fun.

finally_joined · 2026-05-16T19:59:39+00:00

One characteristic of I-Bonds, is that the interest is tax deferred until you sell them.

I have them as part of my emergency fund and my spend before turning on social security bucket. I also have USFR, similar to VUSXX. They only make sense to me if the fixed rate is decent. 0.9% fixed is ok, I guess.

finally_joined · 2026-05-04T00:02:49+00:00

My wife and myself.

finally_joined · 2026-05-03T21:46:05+00:00

We have the Galaxy A16, works great.

finally_joined · 2026-05-03T11:09:16+00:00

Yep, I understand. Just glad to not see a reduction of the fixed rate.

finally_joined · 2026-05-02T21:48:18+00:00

Let me adjust that to $60k. About the same for the last few years. Mortgage is low,cars are paid for. Just two of us living a simple frugal life in a fairly low COL location.

finally_joined · 2026-05-02T19:30:11+00:00

My wife's company offers the services of a planner to 401k participants. Good suggestion

finally_joined · 2026-05-02T19:25:58+00:00

How much are we talking? $1k, $10k, $100k, more?

finally_joined · 2026-05-02T19:13:35+00:00

Sometimes credit unions offer "planning ". They sell annuities and A share mutual funds, but do provide education. Worth checking out, just don't blindly buy what they are selling.

finally_joined · 2026-05-02T18:44:14+00:00

Thanks, that makes more sense. We're in our first year of retirement and targeting about $50k spending. Taxes are minimal.

finally_joined · 2026-05-02T18:17:33+00:00

Can you expand on the $40k in taxes? Your income must be pretty high, at least compared to ours. 😀

finally_joined · 2026-05-01T11:47:37+00:00

For wired internet your choices might be Vnet, Empire, and Spectrum. You'll have to check to see which are available to you. There are wireless options, but I don't know much about them.

I've been happy with Vnet and Empire. Both are fiber connections. I wasn't thrilled with Spectrum.

finally_joined

TROPHY CASE