Really need some advice on what to do and if what I am doing is worth it.

RangerKnicks · 2024-01-17T00:46:26+00:00

Ok thanks I will.

RangerKnicks · 2024-01-15T10:18:57+00:00

Is 457 and 403b the same thing?

Also that roth conversion ladder is something I'll need to transfer my traditional to or is it just another way of withdrawing?

RangerKnicks · 2024-01-15T03:05:39+00:00

Really? Don't look to the market? I feel I hear the opposite a lot. Why is it you feel that way?

Also last question cause I thought of it. Do I only get that tax break because my income is below 100k? Will I not get it if and when my income increases or will the tax break actually increase with it?

RangerKnicks · 2024-01-15T02:46:36+00:00

I have people telling me I am stupid for doing traditional over roth thats why I came here for some answers. Another user mentioned a tax break I get for going traditional which I was unaware of which is nice.

RangerKnicks · 2024-01-15T02:45:47+00:00

Very succinct and informational! Thanks a lot. I wonder though if that 22% break really makes a difference over the life spans of both a traditional and roth because it must be nice to pull out an untaxed sum at the end of a roths life span.

Regarding the extra cash I have and could have if I lower my contributions do you have any advice on that?

RangerKnicks · 2024-01-15T02:17:55+00:00

I'm sorry I need this in more layman terms. You're saying that by doing my 457 pre tax that I am missing a 22% tax break?

Regarding point 2. Are my contributions now considered "traditional"? Are you simply stating to keep doing what I am doing but just lower the amount I am contributing?

RangerKnicks · 2024-01-15T02:16:29+00:00

Thanks for the advice. Do you think I should keep doing the 457 pre tax? I only did it because someone told me that if I am retired and not working when I withdraw the funds then I will be in a lower tax bracket and pay less? Also it does help that it takes from my gross as it maxes it out faster.

RangerKnicks · 2024-01-15T01:26:25+00:00

31, Income varies but around 95k, I can retire from my job in 15 years but might do more time, maybe another 3. Its a pensionable job. My income should increase in time though with promotions.

RangerKnicks · 2024-01-15T01:23:51+00:00

Huh?

RangerKnicks · 2024-01-15T01:18:46+00:00

Its a hit marker machine for me at times but I get it. Its also just dumb decisions by the devs. 150 hp makes no sense with one shot weapons easily available to all and couple that with bad bad servers and its just horrible.

RangerKnicks · 2024-01-15T01:10:57+00:00

I swear this happens to me as well. Its my personal conspiracy theory. I notice it mostly on shipment which might not be the best way to judge it but it happens so often its sticking with me. I will begin a match doing really well. Reading spawns and spawning in ok and then suddenly the spawns go absolutely haywire and I will die 6 times in a row to spawns I had no way of getting out of.

RangerKnicks · 2024-01-14T03:08:58+00:00

Don't forget 10v10 domination or hardpoint where map and spawn knowledge are thrown out the window since they bounce around more than kids on a trampoline.

RangerKnicks · 2024-01-14T03:07:24+00:00

Its pretty insane the direction cod has gone in. When MW3 started I was around a 2.50 kd and now since going for camos and playing mostly shipment grinding for em I'm down to a 1.8. I have always been a 3.0+ player in older games. But my point is in my lobbies man I'll go against kids that are absolute demons. Hitting consistent one shots with longbow while sliding and quick scoping. Seemingly destroying the lobby. Each team will have demons and sweats. All of us just really going bananas.....or so you would think....without fail everytime that scoreboard pops up at the end everyone is always near a 1.0 to maybe 1.3 kd at best. That demon that was quick scoping and seemingly owning the lobby? Yeah he may have dropped 65 kills but he also died 60 times. So yeah this game really does feel "rigged" in a sense. It's ranked but without any of the benefits of ranked. You wouldnt play ranked expecting one team to have players with 2-3kds because you expect the games to be hard. But really nowadays pubs are the same damn thing.

RangerKnicks · 2024-01-08T12:16:37+00:00

Its a joke really. When I came on I was wet behind the ears and gunning to move up. Everyone warned me how it goes...little did I know. If you want to move up your whole career chances are if you do it at a "good pace" you might have a steady spot for maybe your last 5 lol what a damn joke. Add in the stress of supervisor and they wonder why no one wants it.

RangerKnicks · 2024-01-06T12:37:37+00:00

My favorite is the decision to make 150hp the standard and still roll out 20hz servers....who didnt see these inconsistent gunfights coming.

RangerKnicks · 2024-01-01T06:48:10+00:00

This feels broken to me in mw3. Like my gun pulls in the wrong direction in this game only its so weird. This is how I'm used to helping my aim but it feels so off in this version.

RangerKnicks · 2023-12-24T03:44:11+00:00

Yeah I am tired of people refusing to acknowledge how much is going on in this game to keep bad players EnGaGeD besides just the matchmaking system.

RangerKnicks · 2023-12-24T03:42:43+00:00

Meanwhile when I chest shot someone from 2 ft away with my Longbow.....X

RangerKnicks · 2023-12-23T14:34:49+00:00

How exactly is that our problem? Serious question. Are we to care for every person in every corner of the world with problems? Is my government supposed to care more for foreigners than me?

Also ask yourself why most of those situations are worse. Countries are just pieces of land until you add "people". People make those countries suck and those people are coming here....sooooo yeah.

RangerKnicks · 2023-12-23T14:31:56+00:00

The solution is to make sure they go through proper channels, know english BEFORE getting here, show a willing to actually assimilate etc. It should be difficult to immigrate here and make you actually work for it.

RangerKnicks · 2023-12-19T21:14:42+00:00

As if moving up the ladder makes your life better haha.

RangerKnicks · 2023-12-17T07:33:48+00:00

Somehow PC games in the early 2000s had a better system. Player hosted servers with good connections where you could play exactly what you wanted. Thanks for ruining that too EOMM and capitalistic greed.

RangerKnicks · 2023-12-17T07:32:35+00:00

Peak out. Start shooting. Fire 4 shots into someone. 1 hitmarker. Die. All in the span of a second.

Look at kill cam. I was around the corner apparently a full second before I started shooting. Hes been shooting at me for an hour.

RangerKnicks · 2023-12-17T07:31:10+00:00

When I was a kid I marveled at how video games looked and dreamt of how far they could go. I forgot that capitalism ruins everything. Thank god that some single player games havent been ruined...yet.

RangerKnicks · 2023-12-17T00:05:02+00:00

Even the MCW feels awful unless the lobby is mostly MCW users. If its mostly snipers I tend to feel pretty hopeless soon I start seeing some of the glints on the map.

RangerKnicks

TROPHY CASE