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  1. B

    Withdrawal calculator

    Ditto. When you sit down with retirement planners they will talk about different sources and how you want to draw from each to minimize taxes in retirement. Having some in Roth is a great benefit there. Roths are also great for covering large unplanned expenses that if pulled from pre...
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    Withdrawal calculator

    I get it but still question the value to the average person. 4x poverty level is around 86k for two people. Not a great deal of $$ and I might question whether people who can do that have enough in their Roth and/or other retirement accounts to last 30 ...or maybe 40 years, if retiring before...
  3. B

    Withdrawal calculator

    Being able to retire that early...AND pay a lot more for health insurance until 65...requires more money than many have.
  4. B

    Question about tariffs and ordering direct from an Italian supplier

    Word the other day that Amazon and FedEx would be returning some tariff costs to consumers.
  5. B

    Withdrawal calculator

    Its a retirement vehicle. Saying one of its benefits is being easier to withdraw money BEFORE you retire is bad advice for most everyone who doesn't already have more money than they need for retirement socked away. Even for them, its a questionable choice, as Roths have even more tax...
  6. B

    Withdrawal calculator

  7. B

    Withdrawal calculator

    But don't withdraw before retirement!
  8. B

    Withdrawal calculator

    Its ungodly expensive to buy insurance. Companies that offered it have dropped it due to losing their shirt. Its a bit of a gamble, but we handled it by making sure we could afford it in our 80s or 90s, and working up an estate plan that protects assets. Our planning is assuming we will not...
  9. B

    Withdrawal calculator

    I get it, but if someone only had a million, needed it to last 30 years, that much in equities is a lot of risk. I would expect most pro advisers to talk them down from that. Not sure all people are good at assessing their own risk tolerance unless they have been actively managing their own...
  10. B

    Wildfire management LTTE

    Thats a helluva lot of fire at the same time! Hard to ask the best agency around to handle all that...esp. with the feds staff cut way back.
  11. B

    Withdrawal calculator

    70% in equities for a retiree? Do they have almost no expenses or have more money stashed elsewhere? Run that with a 5% withdrawal with a big correction right when they retire or shortly after....
  12. B

    Wildfire management LTTE

    Do you live in the area you are questioning, or is just an area you visit? Locals are often involved/aware...and appreciative. There are pre- suppression plans, I was involved in them for Rx burns in case they started without us. Usually they just lay out where existing or natural breaks...
  13. B

    Feral horse removal

    One problem--any herds that have had any treatment with contraceptive aren't approved for human consumption.
  14. B

    Feral horse removal

    Beef prices have shot up a lot. Trump's proposal to import more without tariffs has cattle farmers and ranchers furious. In addition to the higher price for them impact of his other tariffs it's turning a lot of people who voted for him...
  15. B

    Fed proposal to vastly expand motorized access.

    The fallacy of trails being "multiple use" is just that...a fallacy. And that goes for hunters too. Our non-motorized walking trail systems get a huge amount of use by people--and based on comments left in comment boxes are highly valued by hunters for NOT allowing motorized use. Certainly...
  16. B

    Fed proposal to vastly expand motorized access.

    We have a mess of ATV regs here. Closed requires heavy posts sunk in concrete or big boulders or down logs or they just drive around in some cases. All they need to do is take out closed signs if you dont do more than put up a gate. Closed unless posted open works a lot better.
  17. B

    What gun do you regret selling?

    Ouch. My brother took my dads version of the same gun. To this day I say nothing ever carried as easy or came up as quick. My brother and his two boys both have taken deer with it. I think one of his grandchildren might be carrying it before long.
  18. B

    What gun do you regret selling?

    None for rifles. But I wish I had kept my first shotgun I bought for myself. Ithaca 37 mid 70's version, 12 gauge. I shot it well until I had the barrel cut and put a polychoke on it. Moved it on a deer gun--might have been my big bore model 94--because I couldn't shoot it as well. Not long...
  19. B

    New rules for pa.

    Worked with a lot of them over the years and while it's possible for one to have a bad day, just a few were what I would call not good with customer service in encounters. If someone dealt with one of them all the time I could see a negative opinion developing. But..no different than a...
  20. B

    Anybody Buying Yet? Where’s the Bottom?

    Scary stuff. Nowhere near enough regulations or safety measures in place. AI risk goes way up because of stuff like this--at least investing in individual stocks. https://www.reuters.com/world/how-texas-student-blew-whistle-rogue-ai-hacking-attempt-2026-08-20/
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