TorchtheFlyingTiger

He should be fired for not showing up. They call it "teacher timeout" and any teacher accused of something has to sit in detention essentially pending investigation while they wait to be cleared or terminated. You can't just no show. At least that's how I've heard it's handled elsewhere.

What's his track record? Has he consistently beaten the market for them? I know most don't but just curious if he happens to be one of the lucky/good ones.

This is what we'll get eventually with governance by the judgement proof. Those without assets could care less if they seize what belongs to others. The ruling class is immune and/or profits enough to not care

Yes, I hate dividends in my taxable. Really eats into my capacity for tax optimization (LTCG harvesting at zero rate and/or Roth conversions at 12%). Glad I never chased dividend stocks. Even the paltry dividends from my mostly index portfolio is a nuisance.

I dislike the idea of converting at a higher rate than my current marginal rate (12%) especially since it bumps my LTCG into 15% instead of zero.

But then I consider it is just one year (or several if I make additional conversions) instead of years of higher tax later due to RMDs, widow's penalty, IRMAA, etc. Not to mention I suspect rates wont get lower and may very well increase and SS is potentially going to be means tested.

I'd rather start spending a bit more now but worry if I wait I will miss my window to convert. Then there is the question of convert to top of 22% which will take years to make enough of a dent or 24% bracket and associated dilemma of where to get the cash for tax on larger conversion since selling from taxable in conversion year will cost 15% LTCG.

Need to pick a software solution to model conversion scenarios before I let another year go by.

Definitely need to implement that short term spend bucket. Having difficulty shifting out of accumulation mindset and that would help. Only problem is I want to do large Roth conversions and that's going to consume any excess and additional spend would be in artificially higher brackets while converting.

Anyone that's fascinated enough by serial killers to deep dive on several of them creeps me the F out. We had one of these weirdos in HS he was very bright, successful in academics, debate champ, very personable but odd and not social outside school, strict family. He was open about his fascination w serial killers.

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Unless he’s an employee of XOM then he has the possibility of NUA

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Great insight, might be able to save a lot of tax by paying lower capital gains rates instead of regular income tax rate if Net Unrealized Appreciation applies.

NIN at UNO lakefront arena in 95 was one of best shows I ever saw. Best concert road trip while at LSU. Glad I finally caught NIN again in Tampa a few months ago.

First thought was also the HI Joe carrier. Second, Porsche 911. Now that I can afford it I can think of hundreds of things I'd rather experience or family I could spend it on. Probably just rent one instead.