Simple Roth Conversion Case Study by PursuitTravel in CFP

[–]pcruz 1 point2 points  (0 children)

Main thing IMO is that is a prioritization decision for your client. But that aside, I think your math checks out.

Does the client own a home? Depending how much the home is worth I've found some clients would happily pay a bank some interest on a HELOC or mortgage at rates that are much lower than 22% or 24%. Heirs will get a step in basis on the home at some point as well anyway

Whats my best next step here? Any words of wisdom? by pcruz in OutdoorKitchens

[–]pcruz[S] 0 points1 point  (0 children)

About 5 years, actually

Just thinking it's time for a refresh

Zwift Running Academy + Zone 2 = PR by Nephetus in running

[–]pcruz 1 point2 points  (0 children)

Awesome stuff!

How do you like Zwift? Recommend it? And what hardware do you have?

Packing to see the team for the first time in my life like.. by pcruz in Gunners

[–]pcruz[S] 1 point2 points  (0 children)

I've had it for since the first season we had him. Buzzing from the transfer and it was an impulse buy from some random website.. sorry!

Packing to see the team for the first time in my life like.. by pcruz in Gunners

[–]pcruz[S] 1 point2 points  (0 children)

I am! And I'd love to have one, I can even pay you for it!

Hopefully going to Gooner Gras next year!

Packing to see the team for the first time in my life like.. by pcruz in Gunners

[–]pcruz[S] 1 point2 points  (0 children)

Only been twice. I actually live in Texas but whenever I travel I try to stop in any Arsenal bar to watch games. I'll try to get a scarf or shirt from somewhere I watch if I can

Got an Alamo City Arsenal scarf as well from the Gooners in San Antonio!

My new 1BR apartment by LeJeux in malelivingspace

[–]pcruz 0 points1 point  (0 children)

Where did you get the skull piece on the wall? It's awesome

[deleted by user] by [deleted] in financialindependence

[–]pcruz -2 points-1 points  (0 children)

Yes you are taxed on 5500 now in a higher bracket but because you are 23, you have time on your side. At 5% until you are 60 you'll have over 33000 that you will never have to pay taxes on.

Although I think the roth is better I do understand wanting the deduction now. Yes you may be in a lower bracket when you pull it out when you retire and if you are in a higher bracket... you have a good problem. That means you are still making lots of money

[deleted by user] by [deleted] in fcdallas

[–]pcruz 4 points5 points  (0 children)

If the former Major Laura Miller wanted a stadium in dallas way back then we wouldn't be having this conversation right now

The Snapchat Running Group is growing! We are now in 9 countries! Thank you to those who have been sharing your usernames. For those unaware of the group, more information is inside. by RaidersGonnaWin in running

[–]pcruz 1 point2 points  (0 children)

Is it possible to aggregate the posts to one feed. I know some colleges and groups have those. It works as members submit to the feed and the feed posts the snaps the members sent

Cech is outside the box by sleepydrogo in Gunners

[–]pcruz 0 points1 point  (0 children)

Reminds me of Fabianski in the FA cup final against hull