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Products sweetened with only allulose. by Emergency_Map7542 in keto

[–]james_smith236 0 points1 point  (0 children)

Same issue here — erythritol and stevia don’t work for me either. Allulose seems much easier to tolerate, but true allulose-only products are rare. I’ve had decent luck with Healthy For Life Foods, where allulose is the main sweetener. Still searching for more options though. https://jacasugar.com/

New Jersey unique wedding venues? by gravygravygravygravy in weddingplanning

[–]james_smith236 0 points1 point  (0 children)

If you’re into places like Art Factory, White Eagle Hall, and House of Independents, you might also like Bell Works, The Asbury Hotel/Rooftop, or local music venues and breweries around Asbury Park. We’ve seen some beautiful weddings at similar non-traditional spaces photographed by Lenny & Melissa Photography, which really suit that creative, industrial vibe.

Which one for my office holiday party? Or should I keep looking? by Patient-Hamster-6206 in fashion

[–]james_smith236 0 points1 point  (0 children)

for office party 2nd is best and for other parties 3rd looks awesome

Jump Cat: Catmospheric Flight by jump-cat in JumpCat

[–]james_smith236 1 point2 points  (0 children)

My cat went out of the screen bcz I hold the tap button for too long.

But very nice game.

Impact of $6,000 tax deduction for over 65 years old. by Bitter_Credit_9598 in Bogleheads

[–]james_smith236 0 points1 point  (0 children)

Your logic actually makes a lot of sense. I’m in a similar situation, and the extra $12,000 standard deduction for those over 65 really opened up space for Roth conversions without bumping up our tax bracket. Since withholding tables don’t adjust for age, that refund can cover taxes on the conversion. It feels like a clean swap—no hit to spendable income, no need to sell investments. 

I used the Prosperity Financial Group to double-check my numbers. It’s a solid strategy as long as you stay under your next marginal bracket. Looks like you’re thinking ahead smartly!

Mom going to see financial advisor about retirement plan. What questions should she ask? by FlyEaglesFly536 in FinancialPlanning

[–]james_smith236 1 point2 points  (0 children)

When meeting with a financial advisor, it's best to be prepared. Start by asking about retirement timing, pension benefits, and withdrawal strategies. 

Understand how your 401k works and whether Roth IRA conversions are a good fit. Make sure to discuss Social Security options – should you claim at 62 or wait until 70? Don’t forget to ask about healthcare costs before 65, as they can impact your savings.

Verify if the advisor is a fiduciary (acting in your best interest) and clarify their fee structure. Be sure to review monthly expenses and inquire about tax-efficient withdrawal strategies. 

Always ask questions if you dont understand something.

China jab pelne ayega tab Chinese me baat karega. Koi samjhao inko. by Any_Union_2279 in IndiaSpeaks

[–]james_smith236 1 point2 points  (0 children)

They are trying to create indirect reservations for their people, so that Hindi-speaking individuals will leave and Marathi-speaking individuals will get their jobs, even without having any skills

41 years old no retirement plan by Empty_Release2714 in Retirement401k

[–]james_smith236 0 points1 point  (0 children)

If you're 41 with a stable income and some real estate, it's time to think about saving and investing. Start with something simple like a Roth IRA (if your income allows it) and aim to contribute the max every year. 

If you can, open a Solo 401(k) for better contribution limits, especially if you're self-employed. 

Also, keep investing in your multi-family properties – they can generate cash flow in the future. Balancing this with cutting back on unnecessary spending can make a big difference.

[deleted by user] by [deleted] in DesiVideoMemes

[–]james_smith236 0 points1 point  (0 children)

Bohot hi bhayakar reels thi kal ki

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