Holly Whittaker’s opinions on sobriety and AA aren’t really any of my business I guess, other than as a reminder to be welcoming to all.
What I will say is that she appears to be pretty good at marketing and business development.
Holly Whittaker’s opinions on sobriety and AA aren’t really any of my business I guess, other than as a reminder to be welcoming to all.
What I will say is that she appears to be pretty good at marketing and business development.
If 100% of the contributions were non-deductible (after tax) then the tax liability would be on the gains only. If you roll it over during a series of years to keep the tax hit down, each year the rollover is considered part contribution (not taxed) and pre-tax earnings (taxed).
But.......Your tax preparer would have to look at all of your IRA's, how they were funded, and apply the proper formula to figure it out. The IRS has formulas for all scenarios of contributions....100% pre-tax, 100% post tax, or a combination of both. You can't pick and choose which dollars to convert......the IRS looks at the aggregate holdings and treats a rollover as an equally proportional transaction.
As mentioned above, sequence of return is the single most important part of the equation for most people except the ultra wealthy.
Retiring into a market that experiences a couple of bad or even a few down years means a) withdrawals and therefore expenses must be cut significantly or b) the money won’t last as projected even if the markets recover to their projected long term averages.
If you don’t have a flexible budget (i.e.have fixed expenses) or aren’t disciplined in other spending then a 2-3 year bear or flat market at the start of retirement can make what you wanted to be a 4% withdrawal much higher. Stacking a few withdrawals of what must become 5-10% or more due to fixed expenses on top of a falling market early in retirement destroys principal and that can’t be easily recouped.
Having “buckets” of money not exposed to the market from which to pull current income and then refilling those buckets in subsequent years is a way to mitigate that risk but it requires disciplined asset allocation and rebalancing.
Slowly raises hand. I was that guy in both places. I always felt like I must be doing something wrong. AA told me it was OK to have a higher power of my very own. Took a lot of pressure off.
Congrats @TwiceHorn that’s a big deal.
@BearSchlong same deal last weekend. I was getting coffee before my 9am meeting and a guy came in wearing a sweatshirt, pajama bottoms, and crocs. Dude plops a cold case of cheap beer on the counter, and I can smell him already. Not his breath- out of his pores.
Had I not grabbed and continue to grab for the grace God offers us all, that would / could be me. I don’t speed much anymore but I got to that meeting in record time. It made me uneasy yet grateful all day long.
Just got some new pics. I've been MIA from our place but it looks like the tail chasing may be on hiatus and the boys are hungry enough to at least tolerate each other.
And even from 800 miles away I can smell those knee walking goats.
I run .30 caliber cans for that caliber on down for centerfire rifles and then .22 for the rimfires.
Technically you lose some performance when you use a .30 can with, say, a 5.56, but it is impossible for me to tell a difference. A meter will show higher dbs but I can't hear it.
I got into cans before threaded barrels on bolt actions were mainstream, and didn't want to mess with caps and stripped threads. So, I bought cans with a quick disconnect, and adapters for each caliber. Threaded the barrels and then installed the adapters "permanently" - permanently meaning I don't take them off. That way I can shoot suppressed or not and never worry about exposed threads, etc.
I don't spend much time in Excel - In fact I suck at it and never had any real training....just trial and error.
I have a large file.....1000's of rows but only 5 columns.
I'm trying to print pages with only 50 rows per page and all columns, so that the printed sheets are less compressed and easier to read.
I know how to insert manual page breaks, but is there an easy way to have Excel automatically format the printing at 50 rows per page to make this shit easier to read when I need to print it?
Picked up 3875 rounds of 5.56, 9mm, .38, .22 mag, .380, and 410 for assisting a family member with a financial matter.
I was not expecting anything for my work, but they wanted it gone from the closet and had unintentionally inherited it anyway.
He’s been that way all his life. Honestly it showed some progress that he brought more than one bottle and they weren’t already open. At some point you learn to laugh and say “There he goes again” and just post it on the bitching page for a chuckle.
Wife’s uncle volunteered to bring the wine. Brought three bottles of Barefoot something or other - one white & two different reds. Took everyone’s request - Poured each person a glass, recorked the bottles and put them back in his wine tote and put it by the door….. later left taking his partial bottles back home.
Bear in mind this isn’t someone who is into the temperance movement. He spent plenty of time at the bar pre and post meal drinking other peoples’ liquor.
To say he’s cheap is a massive understatement. Has plenty of money and two nice homes. Just bizarrely lacks any self awareness or doesn’t give a shit.
I have a still new in the factory box Colt Sauer .270 from the late 70’s my father bought and never got around to shooting. Action is so smooth it is almost silent and as mentioned, the bluing is incredible. Beautiful rifle.
A ballistol wipe down of the wood and metal will do wonders for the Weatherby!! Try that before doing any work to it.
May not be an EDC- more like a hiking / hunting carry, but the M&P 10mm M2 with thumb safety will be hitting the shelves very very soon. Nice price point too.
As long as I'm sober, there are no BIG DEALS, just situations to walk/work through.
God supplies the shovel and I do the digging.
If I'm obsessing about something or in a state of worry I have to write it down and tell it to someone else or it'll just grow larger and more consuming.
Maybe it’s been discussed here and I missed it, but has anyone watched the “Mom” sitcom?
im guessing it ceased production and is now just in cable syndication. Some cable channel will run 4-5 episodes back to back.
Must be written / produced by someone in the program. Pretty witty especially if you’ve been in the rooms and catch the nuance.
Ain't great - But here's your 30-30 hookup. Our fathers' / grandfathers' round has been relegated to the back of the production line sadly....in favor of the cool kid calibers.
I've had to buy a TX replacement license a few times over the years -
Nothing screams fun more than standing in front of a county grocery store waiting for them to open and then finding out their license sales don't start until Marge is good and goddamned ready to head over the the booth.
Thankfully its fast and cheap - luckily I've always figured it out beforehand - Probably jinxed myself.