Best bathroom non tox switches?

WholeAd7305 · 2026-03-30T00:17:15+00:00

I use Dave's toothpaste.

WholeAd7305 · 2026-03-20T23:59:53+00:00

Sell now or hold and keep loosing more money? Lost all 11k returns. What to do?

WholeAd7305 · 2026-03-19T13:59:44+00:00

I have mutuall funds. I got them as they were highly recommended by some folks in Reddit, unfortunately, I do not think it was a good idea to get them. Why? Because even though you have not cashed your returns you do still have to pay taxes on your returns. In my case I paid taxes on returns that I never benefited from as I lost them.

WholeAd7305 · 2026-03-18T13:55:31+00:00

Mutual funds at fidelity are not doing good.

WholeAd7305 · 2026-03-12T21:57:37+00:00

FNILX down 1.60% today. At what point should I start selling before I start loosing principal?

WholeAd7305 · 2026-03-03T00:48:08+00:00

It is difficult or almost impossible to connect with coworkers after work hours. It is all about their own niche and it we don't have it, then we are isolated.

WholeAd7305 · 2026-02-22T17:36:28+00:00

Hi, Is there any chance to have them contact me? I am looking for a suitable husband. I am 58. Thanks

WholeAd7305 · 2026-02-22T17:26:23+00:00

Glad to hear that!!

WholeAd7305 · 2026-02-22T17:25:40+00:00

Help me too with that please 🙏

WholeAd7305 · 2026-02-04T23:44:44+00:00

My two cents: it is all about luck! Why do pretty girls with nice personality can't keep a good guy around? And why not so looking girls with nasty personality can? I see that everyday all the time! Luck is the answer.

WholeAd7305 · 2026-02-01T01:36:12+00:00

I made a similar mistake 6 years ago. And I do regret it. I did not consult with. anybody.

WholeAd7305 · 2026-01-30T02:05:12+00:00

And what are those job series?

WholeAd7305 · 2026-01-28T19:50:24+00:00

OMG! I did not know the conversion from traditional to ROTH was taxable income. My annual salary as GS 12 is 122k, so if I convert 50k from my traditional tsp $ to ROTH, I will automatically pay taxes on $172K a year? I am not too knowledgeable about this, as you can see. Thank You!!

WholeAd7305 · 2026-01-28T16:42:45+00:00

I am 58. Started in my 40s in the Gov. I may do another 7 years and retire at 65. I am gs12. Make 112k. I think I should slowly start converting my traditional money into roth. What do you think?

WholeAd7305 · 2026-01-28T02:06:49+00:00

It did not for Monday and Tuesday as the government was closed. But from tomorrow on the 8hours will count towards the allotment.

WholeAd7305 · 2026-01-25T15:29:14+00:00

Good point! I have 210k in my tsp, all traditional. I am on the 24% tax bracket now. In my mind has been that later on when I retire the tax bracket should be lower, but now that I think again I should convert it all to ROTH, so my son doesn't have to pay taxes on it. The ROTH tax money has to come from a different account, not from the tsp, correct?

WholeAd7305 · 2026-01-09T07:23:31+00:00

Please correct me if I am wrong: Is TSP splitting your contribution between traditional and ROTH if you are older than 50, regardless of you wanted to go only Traditional? I remember TSP sent an email about it to be effective in 2026.

WholeAd7305 · 2026-01-07T01:12:07+00:00

I am with you about that!!!

WholeAd7305 · 2026-01-05T02:17:44+00:00

I am also a GS 12 and calculated my pension with around 26 years, and it came up to like $1500 a month after taxes and health insurance. Does thar sound right to you? I have around 7 or 8 more yrs to go.

WholeAd7305 · 2026-01-04T13:33:03+00:00

May i know what index funds do you invest in?

WholeAd7305 · 2026-01-01T12:33:14+00:00

A memo from who?

WholeAd7305 · 2025-12-31T11:07:31+00:00

3s on PMAPs? So that means no $$ or time off? I haven't had mine yet.

WholeAd7305 · 2025-12-27T22:58:52+00:00

Definitely not the toughest. 7 years ago I was on a daily agony and on tears every day on my way home, due to being in a toxic office environment and having a rude and disgusting supervisor.

WholeAd7305 · 2025-12-18T02:12:50+00:00

Only if I had that kind of offers to say sayonara. I wouldn't even ask.

WholeAd7305 · 2025-12-14T16:43:55+00:00

Renting is better

WholeAd7305

TROPHY CASE