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  2. Marcus gonna take care of bidniss right here
  3. Some thoughts -- you probably know about a lot of this already: First, if you have a choice now between a Roth 401(k) and a traditional 401(k), and you have the cash to max it out, you can effectively save more for retirement via the Roth than via the traditional 401(k). That's important for young folks who are just getting started and may have a lower tax rate now than in their prime earning years -- or who just want to max out what they can now and let the dollars work for them for 3-4 decades before they need them. There are a few considerations I can think about for the person that has a traditional IRA now, is approaching retirement and is thinking about how to convert it or spend it. Here are a few: Roth conversions help you smooth out your income during retirement without actually withdrawing the money from a tax-deferred account. For example, if you are still in the 15% marginal tax bracket and you are OK paying that rate on your taxes, you can do an end-of-year Roth conversion to max out the bracket. You can fully take advantage of every dollar available to you in the bracket and have your income be exactly what you want it to be. Having a regular IRA is going to require mandatory distributions at some point, although the age is going up and will eventually be 75. You want to have *some* income if you are lucky to still be on the planet at that point, so it's nice to have some traditional IRA assets to tap. If you live long enough, the IRS is going to want a bigger and bigger percentage each year. If you are really lucky and have a huge IRA, you can end up losing control of your tax bracket and paying a lot. Roth conversions before this happens can help prevent the runaway IRA. This is a very nice problem to have ... but conversions can play a role in controlling your tax bracket late in life. Folks with regular IRAs are allowed to contribute money directly to charity from their IRA starting at 70 1/2. This is called a qualified charitable distribution or QCD. If you have a charity you care about and you are getting close to that age, you can give money and be guaranteed to never pay tax on your traditional IRA donation. That's something you can't do with Roth IRAs, since they have already been taxed. If you are thinking about passing down IRAs to your kids, inherited traditional and Roth IRAs both allow you to take the money out over 10 years. But the traditional distributions will count as income for your kids, and may affect their tax planning. And the kids have to take required distributions based on their ages. For the Roth IRA, assuming your kids don't need the money, they can wait the full 10 years and then just yank it out of the account, letting it earn tax-free money for 10 years. Again, this is a great problem to have. And lastly, think about where you might want to retire. If you are sitting on 100% in Roth IRAs, you probably don't care what the state's property tax rate is. All of your assets are post-tax, so you can move where you want. If you are in 100% traditional IRAs, you might have a hard time justifying a move to a place like California because you will be paying California state income tax on money you earned elsewhere. Conversely, if you earned all of your money in California and want to retire to texas, maybe traditional IRA is the best choice because you won't pay California income tax on that money (I think!) and then after you move you'll pay no state income tax on conversions or distributions. IMHO, the Roth IRA with the ability to convert and the step up of capital gains tax at death are two of the biggest giveaways in the history of the tax code. Might as well learn how to use them... I am not a lawyer or an accountant, but I do have a mix of traditional and Roth IRAs.
  4. I guess I'm not getting what you conclude from this. You seem to be saying that since we know about the letter and know Trump is a liar which negates his denial is all there is to it. I want to see the evidence. I want it confirmed that the WSJ was accurate and Trump lied about it. This is the first harpoon that has stuck in his blubber. It's something that is actually affecting his followers. They need to see it. That will also lend credence to the suspicion that there is more in Epstein's papers. You're not saying it's a nothing booger, but your disposition seems to treat it as a nothing booger. It's quite possible that I'm not following you. It happens.
  5. I'll start. Go with a version already pushed and accepted by the the titans of free enterprise, NFL owners- price/income caps. Yeah, it won't pass. Make them explain why.
  6. So that’s why BV’s been so quiet this evening. I feel his pain. Although the 43 pitch first inning only cost 3. Granted walking your first 4 batters isn’t a good look.
  7. Losing 3 out 4 (at best) to the Homeless A’s should make you a seller. Throwing away assets on rentals to not make playoffs or lose first round is dumb. Save your powder. Good gritty run but 162 game schedule and injuries will expose all.
  8. Well, at least my Sunday is free now. I’m not watching this trash tomorrow.
  9. Who’s on the bump right now means Jack shit when we can’t score runs.
  10. I actually believe they are right and aggy recruits are being dropped. This happened to Texas in the later years of FUPM up until Sark because we did a horrendous job of developing talent. So if there were a borderline recruit they’d drop if they committed to Texas and would go up if they committed to Alabama. Seeing the number one class of all time flame out and with Elko not having many skins on the wall it’s not completely reasonable to think they’d get the same treatment until they prove it on the field/in the draft.
  11. Yep. One in Port A and then one on Flour Bluff on the north side of SPID between Waldron and Flour Bluff Dr. Big yellow building. You can't miss it. They actually serve fried fish there now. It used to just be a bunch of coolers with fresh fish, but they've expanded.
  12. 100%, and now we are seeing the regression for all these relievers that have likely pitched over their heads all season. We are 29-18 over the last 2 months including tonight. When the pitching staff gives up 5+ runs the Astros are 2-13. When the pitching staff gives up 4-, they are 27-5.
  13. This is what this dogshit lineup really is. The Astros are lucky not to be about 10 games worse.
  14. There are probably better options available sitting at home. Like David Robertson, who just signed with the Phillies.
  15. I've had an eye on it for awhile now when the only "defense" for the fund was total return%. These are not retirement funds, they are income. You can take the dividends and spend them on long term retirement funds if you think right. @Fiscal dominance there's a couple of guys on youtube that break down daily transactions and fund holdings that might explain it better. It's been 10 years since I let my series 7 lapse, but they can make it make sense just as well. The fee you pay to the fund manager is basically saying "Youre an options guy, get me premium and preservation, bonus if it grows." Surly will have opinions on how annoying the first guy is, and how boring the second guy is. Keep it to yourselves. You will be repeating how they do talk in 2 weeks. @Retire on Dividend covers alot of the other funds and explains-https://www.youtube.com/@RetireonDividends @ETF Investor, ULTY explanation-https://www.youtube.com/@ETF_Inspector
  16. $10 for General Admission, Mookie.
  17. Fuck Arizona for tanking for us into believing this was sustainable. We need to be sellers, this team is going to fall apart over the last 2 months. Too many injuries, and you can always count on Espada to mismanage the bullpen moving forward.
  18. Neris never would have been signed this season if it weren't for all our injuries.
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