sutherland

Of course the tax laws can change dramatically, but the RMDs associated with my IRA will occur at a time when I'll be earning a pension from my job plus Social Security.  I've known people whose retirement income was higher than the salary during their working years.  Looking at the figures, it's better for me to pay $10k in taxes now with the Roth conversion rather than $20k in taxes in 2040.  Also, hoping that I make good investment decisions, the 2040 balance on my Roth IRA will be much higher than my IRA balance now, so I'm happy to see that future investment income as tax free

Any ad that I see on rentmen that lacks a face photo is an ad that I ignore

Any ad that I see on rentmen that lacks a face photo is an ad that I ignore

Of course the tax laws can change dramatically, but the RMDs associated with my IRA will occur at a time when I'll be earning a pension from my job plus Social Security.  I've known people whose retirement income was higher than the salary during their working years.  Looking at the figures, it's better for me to pay $10k in taxes now with the Roth conversion rather than $20k in taxes in 2040.  Also, hoping that I make good investment decisions, the 2040 balance on my Roth IRA will be much higher than my IRA balance now, so I'm happy to see that future investment income as tax free

Well, you could have called his bluff by telling him that you don't believe his father is outside in a car waiting and that he's underage.  Tell him that the texts would reveal that he's offering sex for money, so the police would arrest him as well as you.  Then tell him that he'll be less nervous once he drops his pants and your dick is in his ass.  
Maybe that would have coaxed a refund out of him.
I'm only half joking.  Sorry for your misfortune.

Lump-sum investing outperforms in that study due to the time-in-the-market effect since the investment is made on Day 1 of the investment year. Had the lump-sum investment been made on Day 365 of the year, it would have underperformed dollar-cost averaging.
For withdrawals, the reverse logic applies. Dollar-cost averaging beats withdrawing all of your yearly expenses on Day 1 of the year because your money stays in the market longer.

An interesting article in the March 2026 issue of AAII Journal (which I received today) looked at decades of dollar-cost averaging versus lump-sum investing.  Lump-sum investing outperformed.  Here's an interesting quote from the article for those against going in lump-sum : 'You must think that stocks are going to go up, or you wouldn't be buying them.  Why do you think stocks will go down first? if you think they're going to go down, why buy them at all?'

An interesting article in the March 2026 issue of AAII Journal (which I received today) looked at decades of dollar-cost averaging versus lump-sum investing.  Lump-sum investing outperformed.  Here's an interesting quote from the article for those against going in lump-sum : 'You must think that stocks are going to go up, or you wouldn't be buying them.  Why do you think stocks will go down first? if you think they're going to go down, why buy them at all?'

Low-cost index funds offer broad market exposure with minimal fees by tracking a market index, such as the S&P 500. Top providers like Vanguard, Fidelity, and Schwab offer funds with low expense ratios as low as 0.02% or even 0.0%, such as Vanguard Total Stock Market (VTI), iShares Core S&P 500 (IVV), or Fidelity ZERO Large Cap Index Fund (FNILX), according to US News Money, NerdWallet and The Motley Fool.  Examples of Low-Cost Index Funds Fidelity ZERO Large Cap Index Fund (FNILX) provides zero expense ratio access to the large-cap stock market, says Ceros. Schwab S&P 500 Index Fund (SWPPX) is another low-cost option with a low expense ratio of 0.02%, notes Ceros and Charles Schwab.  Vanguard Total Stock Market Index Fund (VTSAX) and Vanguard Total Stock Market ETF (VTI) offer broad exposure to the entire U.S. stock market at a low expense ratio. iShares Core S&P 500 ETF (IVV) and Vanguard S&P 500 ETF (VOO) are popular options that track the S&P 500.  
You're welcome.

Simply put - I was so scared that I was not sexually active with other men.  I rented a lot of porn videos during those years.

Simply put - I was so scared that I was not sexually active with other men.  I rented a lot of porn videos during those years.

Someone once said to me "a cluttered home is a cluttered mind" and I live in a very minimalist environment.  It works for me and when I have to move into an assisted living facility it won't be difficult to downsize

You wouldn't turn away the guy in the selfie, but would you pay the same price?  I wouldn't pay the guy in the selfie the same amount as the guy in those photos that are now over 10 years old

Someone once said to me "a cluttered home is a cluttered mind" and I live in a very minimalist environment.  It works for me and when I have to move into an assisted living facility it won't be difficult to downsize

Someone once said to me "a cluttered home is a cluttered mind" and I live in a very minimalist environment.  It works for me and when I have to move into an assisted living facility it won't be difficult to downsize

as the saying goes: "Time in the market is more important than Timing the market"

Someone once said to me "a cluttered home is a cluttered mind" and I live in a very minimalist environment.  It works for me and when I have to move into an assisted living facility it won't be difficult to downsize

Someone once said to me "a cluttered home is a cluttered mind" and I live in a very minimalist environment.  It works for me and when I have to move into an assisted living facility it won't be difficult to downsize

Are the burglary and battery included in the price or do you have to pay extra for those? 

as the saying goes: "Time in the market is more important than Timing the market"

as the saying goes: "Time in the market is more important than Timing the market"

as the saying goes: "Time in the market is more important than Timing the market"

as the saying goes: "Time in the market is more important than Timing the market"

"Common sense" is just another way saying the market went the way you think it should for one week. Higher unemployment increases the chances for more rate cuts by the Fed, which is usually bullish for stocks. So color me very skeptical of your crystal ball. Time in the market is the best strategy for the highest returns.