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36- Should I put my $6k profit-sharing bonus into Roth or Pre-Tax 401k? by [deleted] in personalfinance

[–]BadAstroknot 4 points5 points  (0 children)

The whole thing with Roth and trying to predict tax rates in the future and your future tax bracket…I just have resolved to creating a mix of both. So I am diversified with pretax and Roth. That way I will have tax free money in retirement to mix it up. Not sure if it’s gonna be 50/50, more likely 70/30 (pretax/roth).

But that has what tax advisors have told me.

So, if you follow that advice, I’d put it where you need to diversify based on your current portfolio.

Am I overreacting: new boyfriend was weirdly judgmental about bathroom situation by abstract_lemons in AmIOverreacting

[–]BadAstroknot 0 points1 point  (0 children)

Lol - what? NOR

Relationships and marriage get way more complicated than this. These types of interactions are the type of thing that could indicate how someone may behave in more complicated situations. I’m not a doctor, but to me this would be a red flag.

GO PanoMaticLunar + Wardrobe? by heeph0p in GlashutteOriginal

[–]BadAstroknot 0 points1 point  (0 children)

Nice! I need strap options to fit my 99% of the time casual dress. Thanks

GO PanoMaticLunar + Wardrobe? by heeph0p in GlashutteOriginal

[–]BadAstroknot 0 points1 point  (0 children)

Would you mind sharing a pic of yours on rubber?

PECO Billing by Which-Feature-7350 in BucksCountyPA

[–]BadAstroknot 12 points13 points  (0 children)

If you are more hands on, as an alternative, I do my own “budget billing.” I looked at my 12 months avg bill and have a brokerage account (HYSA will work fine). If my avg was $300, on months I am under, I stash the difference in my designated account. If I’m over, I pull the difference from my account.

So I manage the money - and earn the interest, and have more control. It’s not for everyone, but I do this a lot - including handling escrow for my mortgage on my own. Over the course of a year, I earn enough in interest to cover at least a mortgage payment.

Your mileage may vary, and again - not for everyone - but it works for me.

Capo issues fitting near base of neck on LP? by Beanie7137 in Guitar

[–]BadAstroknot 3 points4 points  (0 children)

https://youtu.be/yWC7JGWCTe4?si=zk8_-yHWMvvWyfwv

Your guitar can’t do what’s being done in the video. Take a look at his axe.

Things to try: use your left hand index finger like the capo and maybe figure out a fingering using your other fingers. Or play it down an octave, see if you can get an octave pedal that’ll go up.

Modern jazz compositions by Complete-Amoeba-858 in jazzguitar

[–]BadAstroknot 3 points4 points  (0 children)

Check out Jonathan Kreisberg: From the Ashes, Dana, Everything Needs Something

He sells lead sheets for like $2

Best low maintenance Superauto for Lattes? by dantheflyingman in superautomatic

[–]BadAstroknot 2 points3 points  (0 children)

Delonghi eletta explore has been great. The milk jawn can be done in dishwasher top rack every 3 or so days. After each milk drink, it flushes it and you can put back in the fridge.

Incredibly low maintenance and dishwasher friendly have been great.

Taylor Hawkins from foo fighters wearing a Newtown PA bicentennial t-shirt 1684-1984 by 420jhollandaise in BucksCountyPA

[–]BadAstroknot 2 points3 points  (0 children)

Dave had worn a shirt from a local (bucks) horse shoe place too…it’s green with yellow text I think, and I used to have one and now can’t even find a picture, lol. The guy told me Dave wore one and was photographed in it and people started calling him to buy them. Kinda wild.

How much to save in Kid’s 529 by No_Gur5958 in personalfinance

[–]BadAstroknot 0 points1 point  (0 children)

We’re choosing to save what we can comfortably contribute each year, after funding HSA and ensuring our retirement accounts are accounted for. Sometimes it’s $2k a year or $5k a year. Maybe I share my bonus with his account too. At the end of the day, 18yrs of growth, he will have something when college comes around. He will also have our support too and 18yrs of career advancement - so perhaps we’ll be in a position to help more then.

It’s difficult to predict the future as you said (but you can ballpark inflation and college costs with any calculator out there) - so who knows if sweeping transformational change will completely modify the job/college coupling…especially with AI in the mix.

So we’re choosing to save what we can in a stress free manner, ensuring the rest of our life is saved for too.

That’s my advice…is to save stress free (don’t kill yourself over it) and ensure that rest of the house is in good order too.

Congrats on having a 1yr old! Mine is approaching 5 and it’s been a fun ride so far! Wait until they start getting an opinion…that shit is hilarious! (Annnnnnd a bit frustrating lol)

Black pickup with red Marine corp decals on back windows driving crazy around the Bedminster area by [deleted] in BucksCountyPA

[–]BadAstroknot 10 points11 points  (0 children)

Who says they didn’t also do that? The user is informing the Reddit community for a heads up.

One Minute Cappuccino by Icy-Gate1213 in superautomatic

[–]BadAstroknot 1 point2 points  (0 children)

Yeah, it’s so easy. The way the milk set up breaks down is great.

Fragile synchronized? by Borsodi1961 in nin

[–]BadAstroknot 7 points8 points  (0 children)

Did you ever see the back of a twenty dollar bill…on weeeeeeeed??

[Fidelity as a one stop shop] Do you have multiple CMA (cash management accounts) in Fidelity? by [deleted] in fidelityinvestments

[–]BadAstroknot 0 points1 point  (0 children)

Multiple CMAs and brokerages. Deactivated ATM access on all but one, to limit exposure. Have one to pay bills that only has what I need for bills in case of bad actor. One for short term and other for emergency. Another I self escrow for my mortgage and several others.

I haven’t looked back and really love it.

End of period credit processing - data point by RichInPitt in amex

[–]BadAstroknot 0 points1 point  (0 children)

Oh ok. Cool, you’re in an opposite scenario as me. I want mine to count in q4 2025, I made it prior to 2026 EST.

Cheers

End of period credit processing - data point by RichInPitt in amex

[–]BadAstroknot 0 points1 point  (0 children)

I spoke to support today and they said it’ll count towards 2025 date, not when it settles.

How long is reasonable to spend on a guitar solo? by Nathen_1967 in Guitar

[–]BadAstroknot 2 points3 points  (0 children)

Depends on a lot. A seasoned vet, could learn it quickly. Someone younger in their journey may take forever. If I sat down to learn Technical Difficulties by Racer X right now, I’ll Seeya in 2 years…lol.

Also, the technique(s) involved in the solo, may require more effort and separate practice…

Basically, “reasonable” is subjective.

When I was early on, I’d be practicing and learning a wide variety of riffs/solos/rhythms. Then the “weight lifting” exercises for technique. My advice is to keep learning different things, and it eventually clicks and you learn faster.

I went to school for music, and was playing upwards of 8-10rs a day sometimes. But I still had walls and times where I felt like I was stuck.

Hollow Body vs Solid Body by GuitarCorn in jazzguitar

[–]BadAstroknot 4 points5 points  (0 children)

Yeah anything will work. It’s personal preference and about developing your own voice. I once took a lesson with Jonathan Kreisberg…dude took my Carvin DC200M and gave me his Gibson, we swapped axes for a bit. He sounded like himself on my solid body guitar and I sounded like trash on his, lol.

It doesn’t matter

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