[Coronita]

Sigh… I will look into long term insurance for me and others …

But for me it seems a waste of money… I really don’t want to live if I have to be confined to an assisted living facility when I am old. I think the cheaper option for me would be to invest in a Smith and Wesson.

[Coronita]

[quote=Hobie]I’ve been on Time of Use billing for several months now. I also have consciously switched to using the higher wattage items during non-peak hours and opting out of consuming during peak.

Result- damn near the same as prior residential bill!! Granted, the rates during summer are only a few pennies difference peak vs off peak. So we will see how it shakes out during the winter.

Guessing during the summer at least, using a battery during peak hours will be a quite long ROI. Unless you have to use lots of power on-peak.[/quote]

Gotcha…. Next question. I think the answer is no… but… Do you drive an EV? I am wondering how that will work out with TOU…. Just doing some planning and thinking. Nothing concrete yet…

[Coronita]

[quote=Hobie]Cal Department of Insurance has some good stuff

List of Companies:
https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/LTCRG2018PolicySummary-2.pdf

Select a company, pricing is at bottom of list:
https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/pol-comp-forms.cfm#PARTNERSHIP

As mentioned by piggs, not cheap any longer. And now it looks most have about a 3 year max cap on benefits. Except Knights of Columbus at a 10year cap.

I’m new to this so I am learning what the term language all means and slowly getting up to speed.

Note- for inflation they are using 5% compounding. Interesting when thinking about a 3 year benefit period and the difference in pricing.[/quote]

Thanks for the info.

[Coronita]

Was thinking more of storage when usage is low

[Coronita]

How often do solar panels need to get cleaned. I am assuming not that often?

[Coronita]

Bump. Solar company recommendations…Anyone anyone .

[Coronita]

where do you guys go for granite locally in SD?

[Coronita]

imho.. Don’t mess with your primary home. Selling and trying to catch a lower price probably wont workout unless you subscribe to the notion of doomsday housing crash

[Coronita]

Anyone try Tesla’s battery backup? Is so, thoughts?

[Coronita]

What choices do we have among the carriers of long term insurance?

[Coronita]

.

[Coronita]

How does long term care insurance work?

[Coronita]

then again…My goodness this new C8 Vette looks so good… and it’s mid engine….

wow

https://www.cnn.com/2019/07/18/success/gm-corvette-stingray/index.html

[Coronita]

[quote=FlyerInHi][quote=flu]

Or the other thing is just to buy the car, register the car in my name, and let someone else use it exclusively. The difference is if that person gets into an accident, it goes on my insurance instead of theirs, and it exposes me to liability.

The third option would be, as I am sure a lot of people do, create an LLC, put the car under the LLC, hire the family member as an employee with a company car…Damn, you small biz owners are so lucky with all the variables and now QBI breaks… lol…

But why bother with #2-3 when the gift tax limit is is so ridiculously large.

Besides, I’m supporting those shovel ready green jobs![/quote]

Those other options don’t work.

Exclusive use is a gift. If you hire an employee you have to pay employment taxes and the employee pays income taxes. Private use of company car is taxable.[/quote]

Of course I know that silly. I’m just polluting this thread with useless dribble because that way you can take it seriously and make a fool out of yourself by trying to make something out of nothing because unlike you, I don’t take 1/2 of the things said or written here seriously….In other words, I’m just trying to troll you in as much you are trying goad a reaction from me, although I really don’t mind the trolling because like I said.. whatever

The day I stopped taking this forum seriously was the day you flooded it with a political post and resurrected old threads 24/7/365 days a week. If this is what people do when they retire, I don’t want to retire…It probably contributes to dementia.

[Coronita]

Actually, I was wrong…. The annual gift tax exclusion is $15k per person, $30k joint. So the actual amount that needs to count against the lifetime gift tax exclusion would be $50k-30k=$20k

Not the entire $50k…

Giving large gifts is a good thing while the gift tax limits are so high. God forbid if a progressive socialist like Warren/Harris/AOC/Bernie were to actually win, they would do anything to try to reduce it… So give while your gift exclusions are large so that IF that day of reckoning happens you won’t have a large tax bill. But then again, the idea of a progressive socialist actually winning are probably very low. There are awesome democrats like Pelosi that are filthy rich that have no interest in the socialist progressive agenda… Hence, my thesis that eventually the Democrat party will splinter off into pieces.

Contrary to some opinions, I actually a like a lot of moderate sensible democrats.

[Author]

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