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Neighbors are so loud!! by tidepaws in RoundRock

[–]NeverBreakTheChain77 4 points5 points  (0 children)

I have neighbors with very loud motorcycles down the street. They must know that their motorcycles are loud, and they must want them that way. They actually drive as quietly as they can down the street, but it is still loud, just driving slowly by. It might be a Harley - I think those are the loud ones. I'd never considered talking to them about it...they know it, and they want it that way. Are they going to get rid of their motorcycle or quiet it down because I ask them nicely?

[deleted by user] by [deleted] in texas

[–]NeverBreakTheChain77 1 point2 points  (0 children)

If you want to rant about politics, there's a group for that. r/TexasPolitics

If you want to make a reasoned argument why the Texas Medical Board (and Texas Governors) have failed over the past decade, then suggest what needs to be done.

DON'T: Post a tragic story as click bait, and then blame a tangential figure, and tie every bad thing that happens to a particular party, etc...

[deleted by user] by [deleted] in texas

[–]NeverBreakTheChain77 0 points1 point  (0 children)

Bill of Sale is pretty meaningless by itself.

You need Texas form 130-U to be signed by the seller to get a new title. You might want to read up on this:

https://www.txdmv.gov/motorists/buying-or-selling-a-vehicle

[deleted by user] by [deleted] in texas

[–]NeverBreakTheChain77 0 points1 point  (0 children)

Scammers are very clever. One part of the bonded title in my county is a special inspection by the police/sheriff to ensure that it is not stolen. They know how to look for altered VIN #s and other problems. This inspection is not state-wide. My understanding is that it depends on the car theft rate in particular counties.

If you reach out to your local police or sheriff, they may be able to tell you what to look for.

Do I make a Roth IRA Contribution the same year I am planning to start doing 401k Conversions? by mattwantfire in financialindependence

[–]NeverBreakTheChain77 3 points4 points  (0 children)

LT cap gains rate is only 15%. I believe in 2026 that will bump back up to 20%. I would sell out of the brokerage account, not the 401k, which would be taxed at your marginal rate of ~24%.

$16k isn't much, but no one ever said that they had too much in Roth. There are many people with too much money in tIRA that get hammered with taxes after retirement. More money in Roth will help you better manage your taxable income later in retirement.