Aggravating_Foot_528

Aggravating_Foot_528 t1_jcgf1xw wrote

Agreed Insulation is probably the single best investment you can make in a house. Will certainly extend the life of your HVAC and make it much more efficient compared to pre insulation.

Wondering if the fault point for the newer equipment are the electronics?

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Aggravating_Foot_528 t1_jcgbpcw wrote

yeah, gotta balance everything else that needs to be done.

I do love our new system. So much more efficient, very quiet. no muss, no fuss, but if there are other things more pressing, gotta do those.

I do bet you could get a few more years out of the current setup though.

If you do keep it for a few more years may be worth having a HVAC company come out to clean it out/check it every fall. That service isn't too much $.

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Aggravating_Foot_528 t1_jcg9q7f wrote

may be worth finding a reputable company to proactively replace it anyway. You probably will recoup the replacement cost given the much better efficiency and not have to worry about it crapping out again in the winter.

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Aggravating_Foot_528 t1_jcdemo7 wrote

I do this at certain intersections. Depends on the amount of traffic etc and how narrow it coming up. And if I'm turning or not. If I don't do this, then when I get behind a line of cars at a light I get right in the middle of the lane and then move back to the right after the intersection so I'm not taken out by turning cars or people cutting me off at the other end of the intersection.

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Aggravating_Foot_528 t1_jcb8ily wrote

The key is if you put all your money in in PA to move to a state where they don't tax it at all (no income tax) or IL or... Alabama? Where they don't tax it coming out of the retirement acct.

I guess it would take Congress to pass a law to harmonize the system if Congress itself constitutionally.can. I'm not sure they can because states can levy their own taxes without the federal government. Maybe the federal government could arm twist like they did with the drinking and smoking age.

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Aggravating_Foot_528 t1_jc8hu70 wrote

There may be a way to prove that it was taxed going into a 401k by one state so that if you move to another that taxes it on its way out it may not be taxes. That's easy enough to figure out

Edit: I was wrong. You follow the tax laws of the state you are currently in. So you can be double taxed - taxes when put in in pa and when take out elsewhere if they tax that. But also you can avoid all state taxes - work/live in Ohio and don't pay state income tax on 401k contributions, then retire to PA and take them out tax free. https://www.bogleheads.org/forum/viewtopic.php?t=215167

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