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Three Rivers Arts Fest is going on now, tomorrow I'm planning to take an actual lunch and wander over to the point.
easier to just move of course and get what I want!
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2022 Wrangler Sahara 4Xe, 2023 Toyota Tacoma SR 4WD
A lot of the state-specific deductions in our fair state's income tax got eliminated in 2018, too.
Looking at the last few years of my late, widowed, great-aunt's tax returns, she paid around $6-7,000 in federal taxes and close to zero state with an AGI of about $55,000 consisting of mostly taxable SS benefits, interest income, a pension, and some state tax-exempt bonds. My goal is zero fed and state tax by the time I stop working and draw SS... fortunately, I have quite a long time to plan that!
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
My 335 convertible had a water pump issue and went into that mode and I pulled over and left it. It wouldn't do 30. Not that I would have wanted to run it with a bum water pump anyway. 30 would get you flattened around here.
2021 Jeep Wrangler Sahara 4xe Granite Crystal over Saddle
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
@nyccarguy Cute kid!
@corvette Zero taxes? Hilarious. The KY state changes have definitely not helped seniors. My 91 yr old uncle owed state income taxes for the first time in years. Also, once RMDs hit when you are 70? If you've been a big saver and user of 401K and traditional IRAs, you are going to get a huge tax bill, each year. I'm starting to see why so many people move to FL, where there is no state income tax. Still trying to figure that out (but, nine years left until RMDs)
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RMD's I think have to start once one is 70 and 1/2 but would have to ask my CPA wife to find out for sure. I just hope I make it to that age so I can start pulling out some funds. Looking to start putting more into muni bonds so if I do pass earlier than I'd like, the kids will have something. Not really necessary to leave them anything, but since my grandma and dad did for me, feel I should do the same for my 3 no matter how large or small. Since I'll be turning 65 later this year, have a lot to think about such as Medicare and deciding how long I stay at Hertz. Thinking that mid 2020 might just be the right time to make a quiet exit.
And hoping to move by the end of 2020 or early 2021 up to central or southwest Florida. Getting way to crowded down here...been here almost 50 years!
2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
Federal income taxes are very low, in general. But, if you get a big investment return in one year, it just kills you.
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YOU can own the very last Trollhatten-built Saab 9-3!!!
Of course you might never be able to drive it and have to keep it in climate-controlled storage for 40 years to get your investment back, but still...
https://www.hemmings.com/blog/2019/06/11/the-final-saab-story-nevs-to-auction-the-last-trollhattan-built-9-3
2017 Cadillac ATS Performance Premium 3.6
The Medicare issue is complex as my government health insurance is a secondary insurance, not a supplemental kind. My wife is under my insurance and always has been, and always will. Have been told that since I've started taking my s s benefits, I'd be automatically enrolled in Medicare. But thinking I'd like to put it off a year until she she turns 65, and then both of us use Medicare. Since my current health insurance is a secondary one, kind of muddies up the waters so just not sure what to do at this juncture? Guess being a retired federal employee under civil service complicates things. All I know is that once I pass, she'll get my pension though at a reduced percentage, probably half, as I recall. Filled out so much paperwork back then that it's hard to remember it all.
2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
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I think our wonderful legislators should have to deal with health insurance that we peons have had to.
- Ray
Turning 70 and a half next year . . .
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- Ray
Plan to take my 1st RMD next year.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2017 Cadillac ATS Performance Premium 3.6
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2022 Wrangler Sahara 4Xe, 2023 Toyota Tacoma SR 4WD
miles like that is why I have my wife in more than one vehicle.
'11 GMC Sierra 1500; '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '08 Maser QP; '11 Mini Cooper S
2021 Jeep Wrangler Sahara 4xe Granite Crystal over Saddle
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
The Elantra still hasn't crossed 17K and goes back in November.... guess we should drive that one more.
Wife has been using that for her 10 mile round trip commute to the train. She likes how easy it is to park. So, I have been mostly driving the Enclave. As nice and comfortable as that thing is I just prefer a car.
2023 Mercedes EQE 350 4Matic / 2022 Ram 1500 Bighorn, Built to Serve
2017 Cadillac ATS Performance Premium 3.6
we need to get out more!
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
Pretty much. Since I had the clutch replaced last year for a tidy sum (It is almost time for the 2nd timing belt replacement and my tires are shot), I've pretty much kept my Prelude parked. Also I have to park on the street here at work and I know one day it is going to get hit (It is inevitable, like Thanos). I could take my wife's Pilot a few days per week. Besides the miles, the Q40 sucks down 93 at a rate of less than 20 mpg. Gas is expensive in CT and I'm filling up to the tune of about $57 - $60 once a week (ish).
Ideally I'd be looking to get into a 2 year lease of something where they don't kill you if you go over the miles or let you buy the miles in advance at a significant discount. I've toyed in my head to see if it would be financially advantageous to lease 2 cars with 10K per year, but that's way more expensive than leasing a car and paying for the extra miles up front. I'm open to suggestions as always!
Part of the reason I was looking at the Tacoma is due to the fact that I could take out a 12K per year lease in order to take advantage of the high residual value, put down the MSD (which lowers the monthly payment by about $50/month), and then use the MSD to pay for the extra 16,000 miles (plus the disposition fee) I'd drive during the 2 year lease (TFS only charges $.15 per mile if you go over) when I turn it in at the end of the lease.
If I were to take a 15,000 mile per year lease on a car that charges $.25 per mile over, then I would go over my miles (and likely be out of warranty at some point during the lease). It would cost me an extra $3,750 over 3 years (plus tax) or $104.17 per month. On a 2 year/15,000 mile per year lease, I'd only go over my miles by 10,000 which would cost me the same $104.17 per month, but $2,500 total.
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2022 Wrangler Sahara 4Xe, 2023 Toyota Tacoma SR 4WD
'17 Chevy Volt Premiere
Outback has 31,xxx and the MINI 38,xxx
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
2023 Mercedes EQE 350 4Matic / 2022 Ram 1500 Bighorn, Built to Serve
I think your Intrigue with the 3.5 Shortstar spoiled you. It may not have had the torque down low, but it was smooth, quick and had a nice sound when spurred.
2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech, 2006 Acura TL w/nav
I forget if it was 24 or 36 months, but I know that for 18,000 miles/year, with basically 1st payment DAS, it came out to be $225ish a month. Heck, the gas savings alone would half pay for it. I would have snapped it up if I hadn't just gotten the TLX, and could have let the princess burn 10K a year on her long commute to keep miles off her car.
that was a deal i have not really seen repeated.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2022 Wrangler Sahara 4Xe, 2023 Toyota Tacoma SR 4WD