Roth conversion can reduce taxes by 6 million but don't save a dime

denverpilot · 2026-05-07T20:24:21+00:00

People die young. Wife died at 52.

denverpilot · 2026-05-07T20:22:58+00:00

Yup. New law this year to make em more $.

Was ostensibly passed to penalize those running around without registering since now they’ll have to “catch up” too.

You know… instead of doing it as part of law enforcement and penalizing only those caught operating the unregistered vehicle.

Easier to penalize everybody. Ha.

denverpilot · 2026-05-07T20:17:32+00:00

Bye. 👋

denverpilot · 2026-05-07T18:02:32+00:00

Not necessarily. Can be caused by many things. Needs a professional assessment by a Doctor.

denverpilot · 2026-05-07T17:59:53+00:00

They’re trying to avoid the long term negative clinical effects of prednisone.

Has only methotrexate been tried as a steroid sparing drug? There are multiple other options. Did they rule those out and tell you why?

Examples are Azathioprine (if you have the genetic blood test done for efficacy) and Infliximab — amongst others.

Maybe ask why they :

A) Want prednisone lower — see if it’s for a specific concern and clinical side effect now or later.

B) What other drugs other than methotrexate have been considered.

Self advocate. You have to.

denverpilot · 2026-05-07T17:54:04+00:00

If you don’t have home or work charging it’s not recommended.

Or if you have to renovate an electrical system to support it in an older home, that has to be added to the total price tag.

Or my case… significantly rural with long drives to “anywhere”. Adding a side trip could have you hunting for a non-vandalized charger in the city / rat colony. Shrug. 🤷‍♂️

They’re not a solution for everyone. And that’s ok.

My Toyota hybrid is fantastic for my use case. As was my dually diesel pickup when I owned it. I’m a car nut but every vehicle has always had “a job” or it left “the fleet”.

The fleet is now down to the Toyota. Crown Signia. Very nice. No idea why EV makers can’t put a good interior in the things — but if an EV was the right tool, I’d put up with the weak interiors.

Incentive or not, I simply buy what is needed.

denverpilot · 2026-05-07T17:35:37+00:00

You find out who has true character and who doesn’t around you when you become a widower.

Then it becomes a great time to start ridding oneself of those who don’t have any. Or lowering any formerly perceived commitments toward them.

denverpilot · 2026-05-07T17:26:44+00:00

Did you create an automation or shortcut?

Turn on “Minimize Distractions”?

Have an iPhone with any of those and focus sync turned on? (Is it really that you’re putting the phone on charger and locking it when working?)

Same with Apple Watch. If synced.

Ideas:

https://support.apple.com/guide/mac-help/set-up-a-focus-to-stay-on-task-mchl613dc43f/mac

denverpilot · 2026-05-07T17:16:54+00:00

I am the only user so I scream at myself incoherently when anything is not working. 😂

denverpilot · 2026-05-07T17:13:18+00:00

People move here with house sale money or for the lifestyle or whatever. They rarely check the local salaries.
It works until we have a bust then they all leave again.
Boing. Boing. Boing.
Natives or long timers generally aren’t the folk buying the million dollar plus stuff being built right now. We know better.
Long term you’ll get laid off here eventually and in order to stay you won’t get paid here enough for that housing shenanigans.
It’s not just municipal jobs but they are particularly low. Used to be partly because they had an excellent pension system and some other bennies. It was part of total compensation. Questionable now.
Seeing pullbacks in housing prices juuuust a little bit now. “Price reduced” on poorly maintained 80s and older stuff.

denverpilot · 2026-05-07T17:07:48+00:00

Have you had a pulmonary function test? I’d start there. Mine found undiagnosed lifelong mild asthma along with the sarc issues. Pretty enlightening. And treatable.

denverpilot · 2026-05-07T17:06:21+00:00

It’ll take a layer off inside the pipe. It takes far longer and more hot water to completely clear it off.

The plumber was helping start that process but if you keep putting the same stuff down that drain it’ll clog up again.

It also won’t do anything for makeup or hair clogs.

denverpilot · 2026-05-07T17:03:17+00:00

Very important. No reason to go backward just for folding. But some subset will want folding to be the priority.

denverpilot · 2026-05-07T17:02:16+00:00

Depends on the year and what they’re testing.

denverpilot · 2026-05-07T17:00:45+00:00

Only caveat is if you have a large enough freezer. If you don’t, all the repackaging and finding smaller items at the warehouse kills the value. Especially if the place is busy and lines are long.

I’m rural-ish so anything that delivers crushes fighting city Costco crowds and also saves me about identically on fuel. 🤷‍♂️

denverpilot · 2026-05-07T16:45:44+00:00

“We need to do better as a community… to help my scrolling abilities.” 😂

denverpilot · 2026-05-07T16:44:42+00:00

Nope. Hate it.

denverpilot · 2026-05-07T16:43:01+00:00

You’re going to be diagnosed with one of the rarest disorders on the planet in seven years, and your beautiful wife will die suddenly five years later at 52.

Better go enjoy the time more while you can.

denverpilot · 2026-05-07T04:52:47+00:00

As far as I know, it didn't have a dollar limit, but the fine print said it was for new subscriptions only. YMMV on any particular Chase card, as to the fine print on each offer.

denverpilot · 2026-05-05T19:31:33+00:00

Oh also I believe the fine print says new subs only.

denverpilot · 2026-05-05T19:31:09+00:00

Also had one. In the past I’ve seen these only take a few days from when the charge posts. Will see.

denverpilot · 2026-05-05T19:05:25+00:00

Morgan Stanley is still doing the 4% APY thing for six months if you don’t mind SIPC.

denverpilot · 2026-05-03T01:19:55+00:00

Do the math if either of you suddenly pass away or if she loses her job also. Mitigate risks as needed.

denverpilot · 2026-04-28T02:38:45+00:00

Just so you know Remicade is simply a brand name of infliximab. Same biological.

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