gpburdell

Also, for accounts that allow named beneficiaries like IRAs, 401ks, HSA, brokerage accounts etc. If there are named beneficiaries, a will will not supersede those in most states. Though I guess there could be exceptions.

So make sure the beneficiaries are correct especially regarding "per stirpes" if the account allows it.

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I really love my Unifi In-wall APs and their regular APs I have had now for 5 years.

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I have 4 in wall Unifi APs and AC lite that are going on 7 years now without issue including gateway router and couple switches. I don't think I ever had an Netgear/Asus wifi router last more than 3 years before issues would start.

I've thought about upgrading but what's the point. As someone else mentioned earlier, peak throughput doesn't really matter if you're just using wifi for streaming. Anything that I need serious bandwidth I hardwire.

Also using 80 or 160MHz channel widths to achieve the higher throughputs, makes your signal that much more susceptible to interference. Where I live, the spectrum is very crowded by residential and I'm only a few miles away from Lockheed/Dobbins ARB.

So I stick to 40MHz channels and have no issues with buffering, dropouts etc.

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I understand the basics of the wash-sale rule

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:rolleyes:

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Is this correct?

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Yes that's correct; it's not a backdoor. It's called a "roth conversion". This is another reason why I think a trad 401k is better than a roth 401k especially if you are in peak earning years.

Because with a trad 401k, you still have the option to do the roth conversion later. Ideally you do this when you retire early (or low income years) before taking SS/pension. This lets you pay lower taxes than if you had done a roth 401k at the start. If you do a roth 401k, you've locked in taxes and there is no other option.

Also roth conversions count toward minimum eligibly income for ACA insurance if you're looking to retire before 65. Fyi some states require a minimum amount of income to get an ACA plan; otherwise you have to go Medicaid or private insurance.

https://www.bogleheads.org/wiki/Roth_conversion

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I'm 42. If I'm reading this correctly, the only thing that I need to consider is if the amount I'm converting from 401k into traditional IRA and then from traditional IRA into Roth will push me into next tax bracket.

Is this separate from the tax I'm going to pay for the amount that I'm moving to Roth since it wasn't taxed prior in 401K?

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The roth conversion is just treated as additional income. The conversion amount will be taxed at the marginal income rate.

I would watch a youtube overview video of the W40K universe (google Bricky 40k faction). This will give you a good frame of reference for the 40K universe.

The first books I started was the Horus Heresy but I had already played several W40K computer games by then. So I already had some knowledge of the universe.

I'd recommend starting with the Eisenhorn novels. Supposedly Eisenhorn was being looked at for tv/movie adaptation before the Henry Cavill involvement.

As others have said anything written by Abnett is good.

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Sixt is my "go to". I have never had a bad experience with them in the dozen or so times I have used them. They make the car rental experience so easy

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I had never heard of Sixt until recently. I'm headed to Maui in Oct and been reading the Maui subreddit and saw them mentioned.

It seems like a no brainer for me, as I can get a nice SUV for almost half of Hertz etc. This is specific to Maui as it's not the case for other cities I checked.

Now with Sixt if you want that price, you have to pay upfront and there is a fee to cancel. Or you accept 15% higher rate, pay at pickup and no fee to cancel. Even with the latter, it's still a better price.

As much time I spend in my home office, a chair is something I don't mind splurging on. I've had an Herman Miller Embody for a couple years now and love it. Sure it's expensive but part of that is the 12 year warranty.

They usually have a 20% sale 1-2 times per year.

Age 43 was the first year my portfolio gained more than my salary (excluding new contributions).

It hasn't been like that consistently since. A couple years it was below my salary and one year I lost more than my salary. Though the last two years, I have gained double my salary on average. This year, I'm currently up about my 1x salary.

It feels good obviously when it's up but the loses can be bigger too. I do feel better in general though as I know the end is in sight and will be able to retire early.

Though I still remember the financial crisis of 2008 and so many people had their retirements wiped out or had to delay for many years. I've taken steps to help ensure that doesn't happen to me.

I'm not an expert but I've read enough that I have no interest in them. Over on Bogleheads, the general consensus is the only type of annuity to even consider is a Single Premium Immediate Annuity (SPIA). All others should be avoided.

For guaranteed income, I prefer using individual treasury bonds (specifically TIPS if over 5 years)

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I'm assuming if you book a Sapphire Reserve restaurant on OpenTable and pay with your linked credit card, you'll get a statement credit up to $150 every 6 months.

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Amex Delta Reserve has a similar benefit with Resy (special access and monthly credit). Though you don't have to actually book a restaurant thru Resy to get credit. Just make a charge for a restaurant that is bookable on Resy; wonder if it works the same.

I currently have a CSP and had thought about upgrading it to CSR. The $300 dining credit would offset the fee increase. So I'll wait and see what the final changes are.