FVBrewerFan
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This tutorial may help clear things up:
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not true at all. If you look at a calculator that does this, it all is dependent on your tax situation. If your tax rate is the exact same at the time of contributing and when withdrawing, they will result in exactly the same amount of money. However, I think nearly everyone agrees that taxes will not be going down long-term...if anything they may go up. Therefore, it's better to pay the taxes at a lower rate now than later in life at a higher rate. Even beyond that, it's nice to look at the balance in my Roth 403b and know that the balance is what I'll get, whereas the balance in my 403b will lose a chunk to the gov't--that's the emotional/optical aspect. If tax rate is the same they result in the same amount? Not possible. If you invest those pre-tax dollars you're saving from pre-tax contributions you build far more.
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For most people you will come out far better with traditional vs Roth. Just look at the cumulative effect of taking that money pre-tax every year for decades. That growth will far out-weigh whatever the tax changes may or not be in retirement. Again, for MOST people.
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[quote name=nate82 ] That settles it never going to have Detroit style. The hot lunch pizza in grade school tasted like they used cardboard for crust and ketchup for sauce and the cheese was whatever they could scrape off the grill. Hopefully there wasn't any sausage on the pizza because if you were unlucky enough to get the sausage one it was basically some kind of mystery meat that no one knows where it came from. Haha, yea actually ours wasn't that bad. But I was talking more about the style. Big pan cut into squares, thick crust.
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Detroit style is fine, I would never choose it though. Actually, reminds me of hot lunch pizza in grade school.
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If I have time, and ingredients, I doctor up my frozen pizzas at home. Sausage and veggies on frozen pizza is gross. I Aaways get cheese/pepperoni Palermos thin and then add fresh chopped green peppers, green onions, whatever I have around. Then, no matter what pizza I have, I use a lot of red pepper flakes. There are restaurants around that have hot giardiniera as a topping you can add, I get that once and a while but it's not my stand-by.
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Unfortunately they use your ip address...so those games would be blacked out. I've had something similar happen to me in reverse. I was trying to watch the Coyotes in AZ on NHL.TV...and I couldn't. The place I was staying did not carry the channel they were on. Blackout rules are outdated and need to be updated to current times. It's kind of like having the a city speed limit of 12mph for horseless carriages so the horses don't get spooked (actual law in Connecticut from 1901) in today's society. https://nordvpn.com/??? You can connect to different servers around the world allowing you to appear as if you are in a certain region... I think... The leagues have caught on to that, vpn doesn't work anymore. Well, it works, but local team is blacked out.
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How do you reheat? It takes a while, but about 3-4 minutes on low power (3) in the microwave does the trick if you don't want to wait for a toaster oven to heat up to reheat it. Because the slices are so thick, sometimes I've had to eat the edges then put the middle back in the microwave for a minute. Pro tip. Cut each square of Rockys in half, reheats much more evenly.
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Ok, that makes sense. Yea, that scenario is typical for tech/ biotech, but pretty rare to see it anywhere else in the private sector.
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I believe most schools require Personal Finance these days to graduate. I am biased since I teach personal finance but it is incredibly valuable. Good for you! I took that class in HS, but I didn't pay too much attention to anything that year other than girls and beer. Some of it must have sunk in though. One of the things I would like t do in retirement is be a "life coach" if there's any non-profit out there that provides that sort of service. I'm done preaching this to my children for the most part, they're adults. But I would love o help others who are ready to change and need help. We all have family/friends where you think (or say) what are you doing!?! Something as small as paying $3 to get $20 from an ATM or paying delivery fees and tip to get Noodles from Uber Eats. To bigger things like always, always, always pay-off your CC in full every month. Don't buy more house/car than you can afford, etc. If your employer offers 401k match, that's called free money! It's frustrating because most of this stuff is common sense. I also believe many people inherently know a lot of this, but it's no fun to say no. I want the newest Iphone, I want to eat out every day, I want that new car, I want Starbucks every day, etc.
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That's actually pretty unusual that a private company's retirement package is superior to public sector. Do you get a pension as well, besides the plan you contribute to yourself?
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If you are not going to be making a big purchase any time soon like a car or a house then this is of little concern. Or if you plan to purchase auto insurance, change jobs, etc. And your credit score isn't something you can quickly change when you do want a loan. Just sayiing, something to keep in mind.
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Your credit score is affected by opening and closing accounts, so do a little research on that. Not worth messing up your credit score for a free flight.
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I don't see the evidence of less innovation? Most innovation doesn't require intensive capital. Also, the venture capital world world is as much about competition as it is dollars, I've seen it first hand. These people are absolutely not afraid to take risks on innovation, they want their name attached to the next big thing. I'm not seeing where opportunities are being missed.
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A year or two is too long to have that money sitting on the sidelines. Bitcoin or anything volatile? No. But there's plenty of "safe" stocks that will yield 2-3% in dividends, and if the stocks go up even a little you'll get a total return of 5-7%. Even if you're not comfortable with an individual stock, get an ETF that maximizes dividends.
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You're completely out of touch. I work a government job and our org has seen a 10% cut this year. Lost headcount. Extra work for everyone. We haven't seen a penny of any of these stimulus bills. The majority of this country is paycheck-to-paycheck. This country would be better off as a whole if the stock market was doing worse and that wealth was going to small businesses and hourly workers. Well, no. If the stock market was doing worse, that would mean even more layoffs. How would the wealth magically "go to small business and hourly workers?" Majority of the country is living paycheck to paycheck, yes, with freedom comes the freedom to make bad choices. Also, if you have a government job, will you be getting a pension? Where do you think that comes from??? That's right, the stock market.
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I'm with turbo on this one. Maybe because we're from the same generation? Just turn on the TV and click to 31..and the Brewers! Also my eclectic taste in sports, so the niche channels offered get utilized often. yup, I'm 55. You do realize this is how YouTube TV worked until now, but at less than half that price? Also, Spectrum isn't immune to this nonsense. Remember when Spectrum (Time Warner actually, at the time) was in dispute with the local Fox stations? That happened more than once at the start of the NFL season, one year it last quite a while. I still have the antenna I had to buy to watch Packer games.
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Oh cry me a river. If they're not investing, it's likely their own fault. And they would be suffering even worse without a booming stock market.
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Pharmacies got crushed recently when Amazon jumped into that space with both feet. I bought a little Walgreens for the first time in my life, figuring Amazon may not hurt them as bad as the market thought. We'll see. Tesla and Bitcoin are too volatile for my liking, but I do track them.
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Sinclair's goal is to release it's own streaming & gambling service. https://www.bloomberg.com/news/articles/2020-11-18/sinclair-is-said-to-rebrand-sports-networks-with-bally-name I understand that's their goal. Pretty much the same goal of every content provider, develop their own streaming service. Disney, Peacock, HBO, etc. But that will take time, and they're not going to want to lose the revenue from the NBA season, and likely won't be ready for start of the MLB. Last time this happened they made an agreement and kicked it down the road. I fully expect the same thing to happen now, but we'll see. Otherwise, I'll bit the bullet and go back to cable if this drags out into January. Live sports is really the only reason I even need a provider, so if I can't watch the Bucks I'm dumping YTTV.
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They'll figure it out. You've heard of win/win? This is lose/lose/lose for Sinclair, the streaming services, and the NBA/MLB. May not happen before regular season of NBA starts, but shortly after. There really hasn't been a reason to have to get a deal done until now.
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If you stick with just season 1 of True Detective you'll love it. Started this last night, and I'm absolutely hooked after 1.5 episodes. Is it truly best to just stop after Season 1? Are there any redeeming qualities of 2 or 3? Every season of The Wire is outstanding. I would definitely watch that before seasons 2/3 of TD. I mean, it's still better than 100% of whatever is on network TV but definitely not in the same class as season 1.
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This might be a stupid question... assuming the games are carried on a streaming app, knowing there's a delay from live action, how do you effectively integrate in-game betting as part of it? Regardless, I have YTTV and really hope they work a deal out before the Bucks start up. I love the platform and would hate to give it up for ATT Now or cable. YTTV is on a delay for live sports as well, since it is streaming as well. Sometimes a fairly significant delay depending on the game.
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Just finished "Trapped" on Amazon Prime. Two season series, a murder/mystery but 100% filmed in Iceland with Icelandic actors. That means lots of sub-titles. Normally something I would never even try because of that, but it wan't distracting. Really outstanding series.
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Watching "Trapped" series now. It's outstanding. Patriot is best series nobody has heard of. Goliath, first two seasons, Bosch, and Sneaky Pete all worth watching. There's a decent amount of really good stuff on Amazon, that's just off the top of my head.