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Dbeasy

Certifiably Surly
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Everything posted by Dbeasy

  1. There are 2 other issues with rolling 401k’s to Ira’s. First, it makes Backdoor Roth conversions (non-deductable Ira contributions that are then converted to Roth) non-viable, because of how the taxation is calculated. Second, Ira’s have less creditor protection than 401ks, which is stupid. For me neither of these issues was enough to not do it. I wanted the lower fees, better investment options, and higher control of having funds in the Ira instead of the 401k. Plus, I was with several companies so I had many 401k’s.
  2. Wait, I thought you were black.
  3. Many years ago I had to set up a 401k for my company. I was stunned at the level of fees charged. Companies pay some, all, or none of those fees depending on the company. And these fees are very hidden from the employee. It’s hard to find them. As a result, over the years whenever I left a company I’d roll my 401k to a rollover IRA at a low cost broker, like Vanguard or Fidelity or Schwab. There is one IRS approved feature you lose by not having funds in a 401k vs a rollover IRA, but I can’t recall what it was or whether it’s important. I don’t think it was. Maybe someone on here knows. Once you’re in a rollover IRA at Fidelity, you can invest in anything with much lower fees.
  4. I was always partial to the best Spanish player Texas ever signed, Sergio Kindle.
  5. Man this thread over the last few days has been funny as hell.
  6. Is he really good? Because I was reading Texags and RC didn’t even offer!
  7. Which will somehow include all of our mutual funds and ETFs, because it will immediately shoot into the S&P 500, just like Tesla and other overvalued crap heeps.
  8. So I’m trying to figure out who gets fucked in twitter getting sold to Elon’s company. I guess the original investors and lenders that bought Twitter have their positions rolled over into this bigger entity. Given that, whoever is investing in his AI company just bought an inflated asset. But given that the ai company is also an inflated asset, it doesn’t really matter. So, in summary
  9. Fuck Craig James. What a tool.
  10. While Helobious was making his typical ass of himself, the rest of us forgot to notice one of the most expertly placed humble brags on Surly ever. Well done.
  11. I hope you read this post. My BIL had a rare sarcoma cancer in his leg many years ago. Big bump. All of the Doctors he visited in Austin said amputation was probably necessary. He finally went to Mayo in MN and they not only saved his leg, they suggested a completely different protocol for treatment as well. He wore a backpack delivering chemo for almost a full year. It was insane. But he kept his leg and has been cancer free for a long time. I can’t remember if he got a consult at MDA or why he didn’t get treated there. I will ask him.
  12. While Satya will always be Satya, it is interesting how these days it seems like it’s more difficult to get a handle on whether your team will have good talent or not on the field in the fall. Between the portal and players playing earlier in their college careers, there’s more uncertainty about the quality of players coming in or sitting on the bench. I looked at the offensive and defensive depth charts and there are quite a few question marks that should be very good, or great, but need to see it on the field to be sure.
  13. I have to get from Heathrow to Kings Cross station. I assume I can just get the tickets when I land? Any issues or confusing thing to worry about? I only have a two hour window to catch a train at Kings Cross to Edinburgh.
  14. Krivacs is the first UT basketball player that I saw live who I immediately began rooting for. His shot was deadly.
  15. The pros from the alcoholics thread should be leading this whole discussion.
  16. Maybe Trump will select him as his running mate for his third term.
  17. Nevermind. Saw link above.
  18. Interesting thing I noticed while at a port city last week. A large strange looking boat was pulling out of port. There were government workers of all types watching it leave. It was clear that it was highly unusual for it to have been in this port and its leaving was also an unusual event. When I did some research on it, I realized it is a Navy ship that lays underwater fuel cables in advance of combat operations. It is a very shady ship. So shit is about to happen in a significant way. This went out into the Pacific, not the Atlantic. It was really weird.
  19. Hey if it all burns down…🤷
  20. So sounds like they were at a restaurant near the resort. It wasn’t the resort restaurant.
  21. Ah there’s the missing piece.
  22. With the women’s basketball 5 star picking OU over Texas it left me with a question about corporate NIL. Do the shoe companies and other corporate NIL companies offer different NIL compensation based upon where an athlete decides to enroll? Because that five star player will be worth a helluva lot more at Texas to them than at OU, I would think. She’s working her deal with Jordan and I would have thought he’d pay her more at Texas.
  23. Without change, your situation is not going to end well, and it sure seems like the end is getting closer. I pray your behavior doesn’t end up affecting other lives too.
  24. I’m hopeful Miller is like Sark, in that he had some positive past performances, but with some significant questions about his ability to win at the level Texas requires. Sark so far has worked out really well, although he hasn’t yet shown he’s good enough to get over the hump of winning it all. Maybe CDC and the decision makers know what they are doing.
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