eludom

Comments:

• Exactly. Same situation here.

  Post: Stay Safe Out There

  Link to comment from September 24, 2024

• Thanks for the push I needed to actually learn about/toy with passkeys. For this audience I think my most relevant finding to date is they are not supported by Vanguard, Fidelity, Etrade, Chase, PNC or most other financial institutions. Official list here: https://www.passkeys.io/who-supports-passkeys It is supported by Google, Amazon, Apple, Walmart, Target, etc. So if you want to use it to protect your Walmart account, go head, but if you want to use it for your financial assets, today, it looks like not as much of an option. I will probably follow your lead on the Google Voice account for texting, with a couple caveats: they deleted the Voice number I had "owned" for 10 years because I missed the "please use or renew messages", my fault. But be warned, Google has a LONG history of discontinuing useful products when they no longer drive ad revenue https://killedbygoogle.com/ Google Voice could be next.

  Post: Stay Safe Out There

  Link to comment from September 23, 2024

• Thanks, good list. I spent 25 years working in cyber-security (before it was called that). Every so often, the corporate IT department would "phish" the employees. People sometimes clicked on the links, me included. This was in a population of people who's obsession and life's work was security. I'm not betting on my own ability to to avoid the ever more sophisticated scams, particularly as I age and am no longer in the thick of the latest scams as a day to day activity. As a DIY investor, I think I have a particular vulnerability. I regularly (as infrequently as possible) make large transactions. In general, nobody is checking up on me to prevent fraud. Not sure what the answer is, but I think that by age 70 or so I want to find a way to transfer some of the risk for large transactions/assets, possibly to someone else managing it (Trust fund? Financial planner/asset manager even if it means AUM fees). Thoughts? Other alternatives?

  Post: Stay Safe Out There

  Link to comment from September 22, 2024

• Thanks for the question, Richard. Today, I'm in the thick of some struggles with doctors office billing people and correcting state tax screw-ups, so pulling up and looking at some positive, long-term outcomes was helpful for me. To directly answer your question strictly in financial terms: over the last 4 years my net worth has gone up %70, and going back 6 years since my father died, and left some money, it's 175%. To flesh out a few of the non-monetary contours, here are the one- or two-word comments I put on each year: Dad Died, Started [new company], RSUs Begin, Market Down, Retired, [wife] Cancer. There were kids graduating college (one doctorate, one education degree, now teaching). There was a wedding. There were lots of trips and family events. So, yeah, I guess I'm better off. But I'd rather have Dad than his money. I was much "richer" for the 5 years he spent living near us. Life's a mixed bag. Sometimes it's good to look up from the current struggles to look at the big picture. Now, on to today's struggles...

  Post: Quinn ponders – Are you better off than you were four years ago?

  Link to comment from September 20, 2024

• My daughter-in-law agrees. They got married there two years ago. Gorgeous. One caution: crowds. Time your visit or expect traffic jams on going-to-the-sun highway etc.

  Post: First Place by Jonathan Clements

  Link to comment from September 6, 2024

• 2nd. That was on my bucket list for 20 years. Finally hiked it (30 miles, 3 days) with my son a month ago. Great area. Views. Biking. Penn-Wells hotel in Wellsboro an interesting renovated hotel

  Post: First Place by Jonathan Clements

  Link to comment from September 6, 2024

• Spend time outside in nature. There are amazing things everywhere you look. It clears your mind. You meet people. Last night I hiked five miles into an Appalachian trail shelter mostly for the exercise, 5 miles out after breakfast. Im currently waiting for the sun to rise. An owl just started hooting. They do that near sunrise. The rhythm of life. I I ate my first wild pawpaw on the way in. Enjoy what's all all around you. Some the beauty I've run across https://outdoorfoo.wordpress.com/

  Post: First Place by Jonathan Clements

  Link to comment from September 6, 2024

• "Time in a bottle", Jim Croce Cats in the cradle, Harry Chapin

  Post: The Dance of Time by Ken Cutler

  Link to comment from September 6, 2024

• How do you calculate the per-dollar reduction in ACA credit? I used the blunt instrument David Lancaster suggested below and have what the web site spits out for four different income levels. It also looks like the Turbo-tax what-if sheets are doing that calculation, but how its doing it opaque.

  Post: Year end action items?

  Link to comment from September 1, 2024

• I'm using the Windows version (reluctantly ... I'm a Linux die hard), and there you go into the forms view, and it shows up in the list of forms on the left side. It was hard to find. From the horses mouth: "Using the TurboTax desktop EDITIONS, click on Forms. When in Forms mode click on Open Form at the to left of the Forms mode screen. Type in what-if. Click on the result to open the What-If Worksheet." https://ttlc.intuit.com/community/taxes/discussion/what-if-worksheet/00/3112351#:~:text=Using%20the%20TurboTax%20desktop%20editions,open%20the%20What%2DIf%20Worksheet.

  Post: Year end action items?

  Link to comment from August 31, 2024