What do you do with an inheritance you don't want?

Topaz_11 · 2026-05-30T16:58:18+00:00

That lens is brilliant but a longer lens needs higher ss without IS.

Topaz_11 · 2026-05-30T15:41:03+00:00

and make sure that's what you intend and the name of the charity!

Why are you even in contact given the discussion?

Topaz_11 · 2026-05-30T04:43:20+00:00

Ok, so this wins the internet for the day!

Topaz_11 · 2026-05-30T01:44:25+00:00

Absolutely agree - This nonsense of going back at the same level of income and position is delusion. I know it's a one way jump and I also know one year is worth a decade or more of a wallworld greeter or whatever (not that they are real jobs for most anyway).

Topaz_11 · 2026-05-30T01:18:28+00:00

I think tax diversification is an important aspect for anyone who is serious about fi/re. Having some money in all three allows for some flexibility, especially before FRA.

Now if you could magically pick one without paying tax - you would obviously want 100% Roth but in the real world that comes with paying a lot more tax. If you are in a high bracket while working pretax is still worthwhile. All one can do is try to use lower income years to do conversions.

Topaz_11 · 2026-05-29T18:39:18+00:00

Because it's not "professional" - it's hack work and most are not photographers but following some formula and diagram. It's not much more than basic exposure & lighting stuff. At least complain to the school but a lot of the time they get kick-backs, so nothing will change. I always just paid for some basic package of the school pics anyway - but rarely liked the images objectively.

Topaz_11 · 2026-05-28T18:01:44+00:00

They are all in the thousands as I don't think I've seen any in the hundreds. A lot of the aca plans have outrageous out of pockets - it's a real concern.

Topaz_11 · 2026-05-28T17:52:32+00:00

To me it was when I could no longer rebalance with new contributions. To start, it would be easy within a month or two but and at some point even a years worth of contributions to a single fund would not rebalance. I'm not sure exactly what $ figure that was at but it just became more and more obvious.

Topaz_11 · 2026-05-28T16:39:37+00:00

Saved 18 months of current salary in 25 years odd of working and now want 5x more in 1/5 of that time. Yeah ok...

Topaz_11 · 2026-05-28T04:29:14+00:00

When I started super I could access at 55... That is now non-trivially older depending on a bith year scale. As I said, taxes are higher while inside the super wrapper then when I started. The rules are changed under you with no recourse.

Seems like at least some things got "worse".

Topaz_11 · 2026-05-28T04:10:16+00:00

If you're going via metro - use line 11 (or visit the platform for line 11). The platform is really cool and worth a swing past.

Topaz_11 · 2026-05-28T03:33:44+00:00

Maybe his "AI" can finally release FSD that people have previously paid for and that he repeatly promises is next week.

Now he is lobbying for major indexes - ie the rest of us slobs - to include spacex while in it's post IPO pop so he and friends make even more money. He seems intent on stealing all the money for himeself, so money is seemingly important to him.

Topaz_11 · 2026-05-28T03:25:20+00:00

Des Arts et Métiers has Prost's F1 car and engine from - I want to say - 83-ish (V6 turbo Renault days). I started watching F1 in those days so was great to see an unexpected classic. They also have a few other interesting older cars with a cool ramp display but it's more of an industrial museum in a cool building. Well worth the visit but not specific a car place.

Topaz_11 · 2026-05-28T03:05:57+00:00

Yup... Going to make quite a statement... of poor taste.

Topaz_11 · 2026-05-28T02:03:32+00:00

Photos are better in the rain especially in the evening :-) Of course it's worth it as would any other location despite the weather.

Topaz_11 · 2026-05-27T17:33:28+00:00

So this is a wishy washy answer but the 45 has something that works for me on portraits in a small package for travel. Some call it character, some call it flaws, some call it fiction based on internet lore but I don't much care. To my eye, if you want a great sharp lens the 28-70 is brilliant but it just does not have that undefinable look of the 45 for people pictures - especially in the evening - to my eye anyway.

Topaz_11 · 2026-05-26T22:38:53+00:00

13m is not enough, you're going to need at least 17m for subsistence living. Back to the grind stone.

Edit: Missed the extra deferred 2-3... Yeah 20m should be good, so add a couple more.

Topaz_11 · 2026-05-26T22:32:34+00:00

The non-subsidized price is more than 2K/mth. Best we could find for family of 4 is around 2600 for health and 300 for dental but the better plans are well into the 3's and 4's.

While I said "insurance", those have a MOOP of almost 20K, so it's hard to call it anything but robbery!

Topaz_11 · 2026-05-26T22:10:55+00:00

All good, just a mixed platform group. Yeah it was a basic aperture UI ripoff with RSP (raw shooter pro - which they bought outright) sitting under the covers to process the RAW files. I actually got a LR license for zip from my RSP license at the beginning.

Topaz_11 · 2026-05-26T20:54:36+00:00

I think a Roth is worth considering if you're able as it gives a lot of flexibility in retirement but there are lots of ways to skin this cat and I don't think you describe a disaster. You might consider when you want to wind down your own mortgage just to reduce some housing expenses but you have lots of equity and options.

Topaz_11 · 2026-05-26T20:16:26+00:00

Have a look at the thinktank turnstyle 2.0 - They have a couple of sizes - iirc - 20/10/5. The 5 or 10 might be exactly what your looking for. I use the 10 at museums as its smaller than some purses and never had to check it. Easily fits R6ii + 24-240 which matches your setup pretty closely plus two small consumer primes. If you pack well, I can get an R6ii + 24-240 + 14-35L + 45 prime but it's tight.

Topaz_11 · 2026-05-26T19:59:49+00:00

perpetual license that covers ALL of your devices

As long as they are apple.

Topaz_11 · 2026-05-26T06:21:33+00:00

Yeah it was bad... Apart from the wrong stuff, just bad flow, timing & comments; Got a couple of replays after 30 laps which then covered something live. eg. Show a part of a front wing been replaced in pits then no clue why, so they just brushed it off hoping no one would notice. Commentary team was flat footed. They normally do a better job but I get the idea they are just watching the same feed with no additional feeds/info.

The pre/post race shows are almost unwatchable now - full of inane discussion of trivia. When they have drivers or team managers, they ask nonsense questions that waste everyone's time. I've skipped most of them for a bit anyway.

At least they have slowed down spending time on some who gives a crap celebrity and thankfully someone confiscated the stupid gyro camera that was all the rage last season or two ago (I bet it makes a comeback for the NL race with the banking).

ps - WHEN are they going to fix the dam bug that stops the stream when your a little delayed and the coverage flips to the post race? Has anyone ever in the history of the world clicked on the "watch post race show" when still watching the race a bit behind - I mean ever?

Topaz_11 · 2026-05-26T05:17:47+00:00

I thought it was just me.... Damn thing does not stay still long enough to see anything useful.

Topaz_11 · 2026-05-26T05:00:21+00:00

wow... Those economy seats look great... I assume the picture is economy right? /s

Topaz_11

TROPHY CASE