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Reagan1k
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3175 Surly 10%About Reagan1k

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I thought that was universally known as an order of "fried fried"?
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Yep - Ask if your plan has a True-Up Provision or not. "Most" plans now have it....not all...but more likely than not.
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Yeah - I think this was the observation I had and was trying to convey with my real world example, and it may have read as "let them eat cake"....which was not my intent. Modeling out the what-if and extending conversions into that next bracket from 22 to 24 could be a worthwhile exercise when you take into account the likelihood of a period where there is a single filer. It's counter to what the general advice boilerplate advice would be but MIGHT be useful especially if one spouse isn't in great health or is fighting family history.
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For better or worse I've fallen into the role of financial sounding board for several family members and I'm seeing this play out too - both sides of the coin. One giving with the only requirement being that the recipients then spend time with her to tell her all about the food they ate, the trip they took or the experience they had. She's enjoying her money vicariously through the while she can. Another is squeezing her dollars so tightly that the ink is oozing out of her fingers. Both have the same general amount of assets. Guess which one is happier day to day?
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Yep....As I said....It is a good problem to have and the couple was obviously affluent (through building their own business from the ground up and diligent savings). They achieved most of their pre-tax savings before the Roth was a thing and then failed to take advantage of roth conversions - Big mistake on the latter. My point in all of this was the bigger picture and how conversion tax planning should also take into account the "what if" possibility of single filer vs. MFJ in 10-15 years. The same would be true for the 22-30 brackets and a couple that is not as affluent, but still has sizable pre-tax balances. If those conversions don't hit while still MFJ, then that ship might sail. Assuming that one has many years to convert in the 22-24 brackets is fully dependent on maintaining that filing status.
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I know it has been discussed a lot upthread and I intellectually knew the importance of long term tax planning, but damn...watching the lack thereof play out in real life in jolting. I'm helping a family member who is recently widowed get their affairs in order and the double tax hit of RMDs plus the compression of the single filer brackets is staggering. This exercise has made me rethink and take a second look at what i've done b/c a lot of my planning has been based around the MFJ brackets and I hadn't fully digested the what-if / when there's a single payer. Those 32 and 35 brackets come screaming up really quickly for a single payer with sizable taxable income due to pre-tax qualified plans or other taxable income. Good problem to have nonetheless but damn, it hits hard and fast for an accumulator with high taxable income after the death of a spouse.
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I don't hate it. Like the Tac Pro more, but I don't have a lot to compare against. Have looked at some of the other grip modules but slow to move on that. I'm not sure I'm ready to start tearing down a 2011 yet. Not yet comfortable with my own ability there. I'm good with a rifle or 1911 but haven't yet studied enough to see what the differences are in the 2011 full disassembly / reassembly and what mods might be required of me.
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Speaking of...... I've been shooting the MAC 9DS Comp in 4.25" and the MAC 9 DS 5" fitted with a Cerberus Compensator and I love them. Good guns / value price - Lotta room to upgrade and still stay well under $2k including quality optic. I'm very pleased. Also love my Bul Armory Tac Pro 5" SS. Bit more money but also a great shooter. Been fun to work on breaking through some of my sight confirmation bias and shoot with more speed using all three of these. I've always been an aim small guy with hunting rifles so it's been a challenge but I'm enjoying the competition with myself to see how much I can improve times.
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Camp Mondamin in NC is > $9000 for their 5-week main session for next year. Ozark breaks their sessions differently (1 and two week chunks), but staying 4 weeks is basically the same as above. Texas has no monopoly on this industry.
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Most if not all will charge a %-based transaction fee on any credit card payment. Unless you can make the value of the rewards exceed that cost, it might not be enough juice to warrant the squeeze - or even worse you could be hustling backward. UT = 2.3%. TAMU = 2.25%. TCU = 2.85%
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The Oura ring component of what I'm doing is not measuring anything. It's app is interfacing with and pulling from the Stelo (Dexcom) monitor stuck in my arm. They (Oura) and Stelo have an agreement that Oura can pull data from the monitor. The Stelo app gives me the readings and Oura pulls its own readings - data pulled from same source. So while I have a Stelo app giving me only glucose readings, and the Oura app gives me the glucose but also allows me to view it in the context of other things. When my sleep score is lower I can see that my overall glucose is up. When my activity is higher I can see it go down. I can see that when Oura detects stress, my glucose is also rising and vice versa. Oura just uses the data to provide a more holistic view of total health with glucose as a component. Food intake is obviously just one component of glucose changes. The Stelo app is 100% glucose focused. Again, I don't know if the this specific Dexcom Stelo monitor stuck in my arm is "rated" for use by a diabetic or not. There could be various classes of continuous glucose monitors - I'm not sure.
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** Disclaimer - I am not a diabetic and have good A1C levels** I've recently started using the Stelo (by Dexcom) to monitor my glucose. It has an app that's easy to use and provides alerts as needed. Not sure if it is "rated" for use by someone who needs it due to diabetes, but it's easy to use with the app and insightful. It also links seamlessly with my Oura ring which also displays and uses the data. My goal with it was to become more aware of glucose spikes and the role that plays with inflammation / longevity and Alzheimer's.
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I hunt with my G40 10mm and have had a lot of success (for me). I second Buffalo Bore and have also had great results with Underwood Ammo (for hunting / not being hunted).
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Fascinating period when those came out. Different worlds were still colliding out west. Went to presentation some time back by the Cody Firearms Museum covering the guns of the west and it was amazing that they had pictures of cowboys with their 1873s, 1876s, Thompsons and even some Spanish Mausers - in the same picture.
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