Search results

Their monte carlo financial planning simulator thing went from historical to "predictions" by their FAs based on interest rates, tea leaves, etc. in the last month or so. Lame.

Just a few years of max roth IRA contributions when the "child" is in their early 20's, then forgotten, can make them a multimillionaire at FRA. As parents nearing retirement, that 7000$ isn't doing us nearly as much good.

I agree but with some limits. I have no problem with LDL levels under, say, 300 but if you're pushing 600 and getting cholesterol blobs squirting out of your eye (I forget the name) then it is probably time to reel that in. Not a fan of statins at all and have found diet to be amazingly good at...

I'm in the "fiber is non-essential" camp. If some of it falls into my mouth I won't spit it out but I certainly don't seek it out. It's just present in some yummy things like dark chocolate. High fiber things are often high sugar/carb things so I tend to be very low fiber. I cut off all...

Whoa, this whole "fire you tomorrow and you get nothing except a return of contributions" thing is very scary. Between lifetime medical benefits (worth what hundreds of thousands?) and a pension (worth hundreds of thousands), you have a huge price tag on your head as a reward for somebody firing...

There are indexed earnings where your earnings history is indexed to inflation so that the pension grows with inflation while you wait and then there is a COLA'd pension where once you start drawing the pension it is annually increased. If your earnings aren't indexed then deferring the pension...

I have a theory that your BMR is not 1250 and also that you are burning nowhere near as many calories as you think you are with the exercise. It is also becoming clear that you are not accurately measuring your caloric intake. People always think that they are burning so many calories with...

I used to think the same way mostly because I'm an engineer and maybe you are too. I now know that I was wrong. What really convinced me was knowing that sawdust has calories. You can eat 2000 calories of sawdust every day, entirely indigestible cellulose, and die of starvation. Another thing...

I imagine the marketing department told the manufacturer that bigger OTC pills fill a bigger bottle and we can sell it for more money. The buyer thinks they are getting "more" good stuff. They can be too small too. I take the 24 hour costco allegra allergy pills and those buggers are super tiny.

From the OP "They bought it sight unseen, contingent on inspection, " Isn't the point that they can back out due to the results of said inspection? The term "boiler" is used for any water heating HVAC device. Doesn't have to be a steam system.

Uh oh, not so fast, not all sugar alcohols are the same. A common ingredient in current sugar free candy is maltitol. Whoa, that stuff causes a huge insulin response and you are only allowed to subtract a portion of it from the total carb count. Staying under 20 grams of carbs per day...

I agree. It's a goal of mine to stay in the normal BMI range and when a discussion exposes this goal I often hear that the BMI range is BS and nobody is that small. This is almost always from an overweight person.

Don't feel bad, we don't give our money away either. You need a roof put on and I'll spit nails all day.

For the last 6 months I've been on the "warrior" diet. Also known as intermittent fasting. I skip food for 19 hours starting at 10 pm and then start eating at 5 pm. 5 hour window to get my calories in. I am not trying to loose weight but I do enjoy a full tummy. Hunger is all in your head...

I just got off the phone with VG again and they assure me that you are allowed to re-recharacterize (roth-tira-roth) and to treat the 2015 contribution as the last type which for me is Roth. It was done properly and notation made in my account. They did say that recharacterizations are...

I will send in paper this year and will follow your advice on the statement. Thank you Gauss. Believe me, I was not happy about the way this turned out. I've been a Roth guy for decades. Learned my lesson. Also thank you LOL!. I'm not very experienced with this and trying to understand.

I tend to agree that I need to attach a statement. Is this something I just type up on a sheet of paper and sign?

The second recharacterization was a recharacterization. NOT a conversion. The function was to nullify the first recharacterization. I read the 8606 form instructions and as far as I can tell the form does not apply to me because there was never a nondeductible TIRA contribution made, no...

Let me restate what happened so that I can be sure I am getting the right advice. I funded my 2015 Roth IRA through the year, decided to recharacterize all 2015 contributions to a TIRA. That went well. Vanguard recharacterized for me. Sent me a 1099R because apparently a distribution from an...

Folks, I'm a little bit unsure of what to do. I recharacterized my 2015 Roth into a 2015 TIRA. Did my taxes and discovered that I made too much for a TIRA so I went back recently and recharacterized the 2015 TIRA back to a 2015 Roth. All with vanguard and for the full 11000 that my family is...

I'm a WA PERS guy too and hope I have this opportunity as well!

Agreed, if you are strenuously exercising then you shouldn't be eating. Water only to keep your throat from sticking shut.

Yes but also consider that every regular 3.25" apple you eat is 116 calories. So that beer is a better choice, from a calories point of view. Don't even want to talk about that latte/mocha/fancy coffee drink that I see so many people drinking every day.

I'm 38 and plan a 2023 retirement so in less than 8 years. I am doing nothing differently. Still pumping in as much as I can, tax advantaged first, and keeping cash accounts low. Buying cheap now. Enjoying the low fuel prices.