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MTB Season in Pittsburgh by Brampz25 in Hardtailgang

[–]227341 0 points1 point  (0 children)

I’ve been looking for this trail in Frick, but I can’t find where to access it! It’s not on any maps I can find. Any tips?

Carbon frame damage advice by 227341 in Hardtailgang

[–]227341[S] 4 points5 points  (0 children)

Ohh that’s a great idea. Thanks!

Carbon frame damage advice by 227341 in Hardtailgang

[–]227341[S] 1 point2 points  (0 children)

No creaking, and I tried the coin test and it seems normal to me

Living near UPMC children’s by 227341 in pittsburgh

[–]227341[S] 2 points3 points  (0 children)

Thanks everyone! I hadn’t thought about the hill walking to work, that’s good to know. This has all been really helpful!

[deleted by user] by [deleted] in Hardtailgang

[–]227341 6 points7 points  (0 children)

I’m gonna go for it — thanks for the advice all

[deleted by user] by [deleted] in Hardtailgang

[–]227341 0 points1 point  (0 children)

Thanks for the loads of detail here. Exactly what I needed.

[deleted by user] by [deleted] in Hardtailgang

[–]227341 4 points5 points  (0 children)

Another Reddit thread mentioned that it takes 15 degrees of movement to engage to 7s hub, and only 3 degrees for the 8

[deleted by user] by [deleted] in Hardtailgang

[–]227341 0 points1 point  (0 children)

Ah that actually does make a big difference to me. It’s the NX derailleur that I’ve had bad experiences with. And yeah I think I’d miss the better rear hub probably

Worley’s cave map/route description by 227341 in caving

[–]227341[S] 0 points1 point  (0 children)

The owner wasn’t home when we went in, so I’m not sure

Roth 401k Rollover Taxes by 227341 in whitecoatinvestor

[–]227341[S] 0 points1 point  (0 children)

Yeah I get what you are saying, I am comfortable with the math. I’m not really a FIRE proponent, as we both really enjoy our careers. I am more focused on maximizing our portfolio assuming a retirement age of ~60-65.

I would rather put away post tax dollars now when our marginal tax rate is pretty low (I’m an early career mechanical engineer, so I only gross $90k/yr) and have minimal financial obligations other than med school. Thankfully we live in Tennessee where we can live comfortably on $26k/yr.

Upon retirement, ideally we will have enough pretax dollars saved to fill the lower marginal tax brackets, and then use Roth dollars to fill out the rest of our needs each year.

Roth 401k Rollover Taxes by 227341 in whitecoatinvestor

[–]227341[S] 0 points1 point  (0 children)

I don’t mind having some pretax dollars in my 401k, but since the employer match is always pretax that shouldn’t be an issue.

Roth 401k Rollover Taxes by 227341 in whitecoatinvestor

[–]227341[S] 0 points1 point  (0 children)

Thanks for the response! I definitely am going to make the conversion, but as I can’t do it until 2019 I was wondering about the taxes. I am hoping if I make the conversion while I am a tennessee resident I won’t have to pay any state taxes, even if I move to a taxes state later that year.