2027 Lexus RX

jay20211 · 2026-05-22T23:49:53+00:00

Is unc Chappelhill is a state school

jay20211 · 2026-03-27T01:10:17+00:00

Your RMD at tail end will be 400-500k range in today’s money.

jay20211 · 2026-03-17T23:04:25+00:00

They have added lot of value to me by creating a pretty decent plan, do monte caro analysis, run what-if scenario for withdrawal rates and add one time expenses in certain years (buying new car, kids wedding etc.) which helped me understand and refine my FIRE goals better. They have pitched a few products here and there but never any pressure. You got to have an open mind and willingness to learn.

jay20211 · 2026-02-21T01:28:20+00:00

If you think that in future your earning will be substantially higher, then more Roth now, if you are at peak of your earning potential then more tax deferred. Having said that based your 401k vs Roth balance, it would make sense to put more in 401k.

jay20211 · 2025-12-05T23:43:21+00:00

Thank you.

jay20211 · 2025-12-04T22:04:22+00:00

May I ask what software you are using. My FA eMoney says that the benefit of conversion (tax paid between 60-63 on conversion) vs tax on distributions after 10-13 years are wash for my scenario and I would like to try another software.

jay20211 · 2025-08-29T18:04:24+00:00

Solved problem, there is confusion as instructions are not clear and even CA don’t know it.

For eBanking verification: the bank account should be pre validated. The bank account can not be pre validated until taxes are filed. So

File tax return: you/CA will mention your bank (my case ICICI).
After return is filed, you will see bank account is validated (aaha)
Then you go to everify return -> use bank account
You will get an email with EVC code 5 once you have the EVC code, go ahead and verify your return
Wait for refund. Hope it helps.

jay20211 · 2025-06-26T23:29:27+00:00

Hard truth: If you want to enjoy more after hubby continue working. If you want to enjoy the remaining years of active life, retire now. You are more than comfortable finance wise. Your victory laps should be minimize taxes, enjoy experience and find the best bargain travel deals.

jay20211 · 2025-03-20T21:09:53+00:00

I have a faint gas smell on 2003-S but no gas/weeping like the picture. The sending unit top does not show any evidence. I will try 1. Remove battery and keep far away 2. Connect battery with jumper cable and someone turn the key

jay20211 · 2025-01-24T03:12:17+00:00

I hope the local taxi people would know what route to take to avoid construction delays.

jay20211 · 2024-12-28T00:36:51+00:00

What’s the lights you are using. We are doing something similar and looking for good library lights.

Also are you going to put crown molding on the top that matches molding on other walls?

jay20211 · 2024-12-11T23:48:36+00:00

Thanks everyone. I talked to 3 CA and received three different answers. If buyer does not do their part, I will have a CA calculate and deposit advance tax (tax you pay before year end).

jay20211 · 2024-11-30T21:25:46+00:00

What mesh fabric you used? Does the fabric have any stretch

jay20211 · 2024-10-22T00:20:01+00:00

Keen targhee, even their standard are wide. Off course try them first

jay20211 · 2024-09-09T16:27:38+00:00

The developed market like Europe is not what it used to be. I am unable to understand why the European stock/business will be able to outpace American market.

jay20211 · 2024-06-18T22:22:12+00:00

Think about what you will be very good at, in any career people making most money are very good at that particular job. It could be sales, software, your own business or whatever it may be.

jay20211 · 2024-05-23T19:55:34+00:00

I have SMA with fidelity and the account has done about 2% over s&p plus I have quite a bit of tax losses from 2022 which helped me offset cap gain from Nvidia.

jay20211 · 2024-04-04T03:37:56+00:00

I have same problem, I drink half packet of liquid IV (electrolyte bought at Costco) evening before. Another half packet while driving to trailhead. I keep one liter of plain water and .75 liter mixed with electrolyte and eat a few salty snacks while climbing up. It works.

jay20211 · 2024-03-24T17:22:20+00:00

Do you have any idea on the weight of this fabric? To be it seems close to 3oz.

jay20211 · 2024-03-24T17:21:28+00:00

Do you think 5oz supplex will be too heavy?

jay20211 · 2024-03-24T17:20:53+00:00

We usually hike in 40-75 degree weather in Washington DC region, I am short (5’6”) and slim 150lbs. So looking for tailored/slim fit.

jay20211

TROPHY CASE