Yep, if it is easy take off the pedals altogether for the first round.

OK, weird. When I listen to the clip on the Deadspin page before, it 100% sounded like Yanny, I couldn’t hear anything OTHER than Yanny. Now same computer, same speakers, it’s Laurel, 100%, with no trace of Yanny. That’s just weird.

My grandmother’s second husband took her last name, because she already had children with the birth father’s name. That was in the 1920s, in rural Illinois.

This feels much closer to the original Jumper. Cool.

This is such a weird implementation. I reminds me of a story a co-worker told me about his sister. She didn’t know what a bookmark was, or really what a URL was. So to get to any site, she would refresh her main page over and over until she got the same banner ad, then she would click on it.

An approach I’ve used that works more generally is to use Slydial. Slydial allows you to go right to a person’s voicemail. So you call slydial, enter their number, and hopefully get their outgoing message. Unless they are like your mother, and they haven’t ever figured how to record an outgoing message.... sigh....

“incel” refers to a specific brand of misogynistic creeps that believe they deserve to be sexed up by women. 

0. “To put the number of estate tax returns filed in perspective, the Population Division of the Bureau of the Census projects that 2.7 million people will die in 2017. Thus, an estate tax return will be filed for only 1 in 237 decedents, and only 1 in 487 will pay any estate tax.” And that is BEFORE it doubled in…

This might help with a part. https://www.thebalance.com/using-non-deductible-iras-to-get-money-into-a-roth-ira-2388699 I think the 401ks, you end up converting to IRAs first, then into ROTHs. But remember you have to pay tax on any of that amount. So you’ll want to look closely at the tax brackets for your situation,…

That works great. A lot of people in the FIRE community look at geoarbitrage, either within the states, or as you have done, in other countries where there cost of living is lower. “Your money or your life” is meant to break people from the “I’ll do whatever everyone else does” mentality. Getting true costs of your…

You are right it has nothing to do with the heirs intent, and that makes sense to me. The government is trying to collect on taxes that were never paid by the original owner.

The gift tax limit is $15k starting in 2018.

With our first, we got huge bills for our new baby. Because he wasn’t on our insurance plan... because he hadn’t been born yet to be added. Luckily that was an easy fix, with a call to the insurance company.

I can not find anything about this only being between 62 and FRA on irs.gov.

I think this is a great time to point out the ROTH ladder as well. If you are can afford to in the first part of your retirement, withdraw up to the limit of the tax bracket you are in, and convert that to a ROTH. If you do that, then you lock in the tax rate for all future earnings. As discussed previously, that…

No, your tax rate is not 50%/85%. I think I can explain this, but as you get closer to retirement, you’ll want to check with the SSA office to verify it’s all right. (I’m pretty sure my example here is correct, but IANASocialSecurityL)

I had a CPA tell me three years, and if they go back more than that you are in much bigger trouble that having the documents won’t really help you. Since the IRS will typically only go back more than three years when they find evidence of fraud.

I pretty much agree. I plan on using the roth ladder in early-retirement to lock in more tax savings as well.

Does it randomly permanently destroy your MP3 (AND another one opposite of it in the playlist) as the tape gets caught up on a sticky head?

This crap gets confusing, I think you conflated two five year rules that are quite different. (But I could be wrong here instead) The first rule, is that when you START contributing to any ROTH, you must wait 5 years. If you open one at Fidelity, then one at Vanguard 6 years later. The Vanguard one still falls until…