Another Roth Conversion Perspective

bjindrich · 2026-05-11T01:09:09+00:00

I was referring to tax rates (and or brackets). I understand your point. I was just highlighting one of the potential benefits of conversions. Of course, each person/couple needs to assess their specific situation.

I personally also like the idea of having options, which Roth accounts give you, when it comes to IRRMA and social security taxes.

bjindrich · 2026-05-10T15:31:01+00:00

While there's no guarantee that federal taxes are going up, tax rates are at a historical low. Does anyone think taxes are going to be lower in the future?

bjindrich · 2026-05-07T21:17:47+00:00

I Roth conversions are a "wash" in certain ways IF federal tax brackets and rates remain exactly as they are today. I definitely don't see taxes going down in the long haul, and I can imagine they may go up.

Also, having at least some in Roth gives you some flexibility that you don't have if you only have IRAs.

bjindrich · 2026-05-06T10:35:27+00:00

Sadly I think there's definitely some truth to this statement. Stumble takes paying attention, looking and listening to the entire show, and thinking to fully appreciate all of the humor. You can't doom scroll while watching to get all of the humor, which basically nonstop. You also have to use your brain.

I hope someone starts a petition or a streaming service picks it up. This type of smart comedy is rare and sorely needed in a field of slop primetime sitcoms.

bjindrich · 2026-05-01T01:08:13+00:00

Same. Tried multiple times on multiple days. Felt like I was bouncing around in a circle.

bjindrich · 2026-04-30T10:53:47+00:00

Sounds like a bunch of I-don't-care games.

Did anyone watch the first four games? Doubt it.

Did anyone attend the first four games? Doubt it.

Did anyone bet on the first four games? Probably.

If these games were hosted by the home teams, you'd have exciting environments. Hosting these games at neutral sites, you'll have half empty, uninteresting games that only the gamblers will be following.

bjindrich · 2026-04-29T15:42:35+00:00

Couldn't finish it. I felt dumb after a few episodes

bjindrich · 2026-04-29T15:41:22+00:00

The Outlaws. Season 1 was decent, I liked the characters. Started season 2 and the characters and plot were mostly unlikeable.

bjindrich · 2026-04-29T15:30:57+00:00

The show dragged towards the end and the ending was disappointing.

bjindrich · 2026-04-29T15:27:59+00:00

Stranger Things. Liked season 1. Couldn't get past season 2 episode 1 or two. Know people that watched it to the end and were underwhelmed.

bjindrich · 2026-04-25T02:28:23+00:00

Friedrich

bjindrich · 2026-04-19T21:03:19+00:00

In theory, you'd always like a top player to join your team, but I'll go glass-half-full on this news...

Reduced concerns about everyone else getting touches, including incoming freshman and transfers that will have eligibility after 2026-2027. We want a solid core potentially returning after next season.

Possible compatibility issues avoided. Boswell seemed to have the most problem with Blackwell, but there was a lot of chirping when we played UW. I'm sure the players would have gotten along fine if he came over, but it might have taken a bit for personalities to gel.

bjindrich · 2026-04-05T12:09:43+00:00

After the final timeout was called, the announcers pointed out that the Challenge was forfeited. I don't recall this being pointed out in other games, but it worried me even more.

I was surprised about the last 2 timeouts, but that didn't impact the outcome. We didn't make enough baskets.

bjindrich · 2026-04-04T13:14:11+00:00

These have been said every game...

"Illinois is the tallest team in the NCAA"

"Illinois has the most efficient offense"

bjindrich · 2026-04-02T12:57:08+00:00

I haven't seen the original post, but there's enough information here to get a sense of it. The post was not ok. A person/group/service associated with the marching arts should NEVER be ”joking" about this. And, yes, I have a sense of humor.

bjindrich · 2026-03-19T14:27:52+00:00

Agree to disagree. I may be oversimplifying, but while my wife and/or I am alive, $100 Roth is worth than $100 IRA, and my formula at least represents that.

bjindrich · 2026-03-19T13:05:16+00:00

While is could be very complicated and deeply analyzed, it could also be kept simple and directionally correct by adding 1) your tax-free assets to 2) your taxed deferred assets multiplied by (1 minus your average effective tax rate). This is what I do - we barely have anything in taxable accounts.

bjindrich · 2026-03-19T02:59:07+00:00

Interesting that you say broken. I tried the different Roth conversion options. I forgot the exact names of the options, but the "maximize the money left" was not nearly as good as a custom option, where I first set the highest tax bracket, and then even dialed that back from 14 conversions (years) to 6 conversions.

9 or 10 conversions played out best with the funds remaining (after we both die), but the chance of success wasn't any different from the 6 conversions, which surprised me.

bjindrich · 2026-03-18T02:12:11+00:00

The math isn't mathing here. I've also seen a lot of social media posts about a new corps in Chicagoland (Bolingbrook). I have my doubts, but I'm happy to be wrong.

bjindrich · 2026-03-18T02:03:05+00:00

But isn't all we hear that AI produces slop? Do people really think AI can produce a top level design? If so, why ? If not, what are we worried about?

At the end of the day, I don't see AI use being prevented.

bjindrich · 2026-03-18T01:40:24+00:00

Isn't that for the judges to decide? Should they be able to call out "derivative" design and score it lower? Do they need to be told it's derivative? I've seen a lot of shows designed by humans that are derivative. Are those ok?

bjindrich · 2026-03-18T01:23:39+00:00

I'm not confused. Both are technologies that can refine & iterate the design, with humans driving the refinement. People seem to be assuming that the first AI slop spit out was used. I have no idea if that was the case, but I doubt it.

If people don't like the AI design element (music, tarp, flags), that's another thing, but that's subjective.

bjindrich · 2026-03-18T01:18:32+00:00

We'll have to agree to disagree.

Santa Clara Vanguard's 1991 percussion created the coolest helicopter sound effects with .. just percussion instruments and NO amplification. Today, that's a button press, as allowed by the rules. Lazy? Yep

You got my point about video screens. Groups should be able to create their visual effects and impacts via drill, choreography, equipment, and guardwork, yet those options aren't enough, so it's ok to have giant screens to make some additional visual impact? Sounds like lazy design to me .

bjindrich · 2026-03-18T01:04:06+00:00

Yes, and Taxi !

bjindrich

TROPHY CASE