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CharlesUFarley
| Favorite team: | Auburn  |
| Location: | Daphne, AL |
| Biography: | |
| Interests: | |
| Occupation: | Drives and PLC Guy (Mechanical Engineer) |
| Number of Posts: | 1054 |
| Registered on: | 1/13/2022 |
| Online Status: | Not Online |
Recent Posts
Message
re: It might have been better to keep Khamenei alive.
Posted by CharlesUFarley on 4/18/26 at 8:51 pm to RockyMtnTigerWDE
quote:
You will learn that it will be better that none of them are kept alive. The citizens are going to need to step in at some point and wreck shite.
I think they tried that in 1979. It gave them, and us, what we've had since then.
0
re: Gus to Auburn
Posted by CharlesUFarley on 4/18/26 at 7:35 pm to bird35
quote:
But this seems to be more of an Auburn problem than a Gus problem.
The NFL hated Malzahn's OL's, even though a few were standouts. They had to learn the game all over when they got to the NFL. Word got out, and promising OL's went elsewhere. Malzahn didn't adapt, and apparently didn't care.
I still think there's lots and lots he could help with if wants to be a friend of Auburn, and I suspect he does.
re: It might have been better to keep Khamenei alive.
Posted by CharlesUFarley on 4/18/26 at 7:25 pm to SlowFlowPro
quote:
In the Middle East? With radical Islamicists? What could go wrong?
The worst thing that could happen is that the US could elect a democrat as president. Just ask Hosni Mubarak.
re: Was there really an Atlantis?
Posted by CharlesUFarley on 4/18/26 at 7:19 pm to GRTiger
quote:
What does, for example, 400 feet of impacted earth do to tin or copper? It's absolutely possible for coins to be lost forever due to pressure, heat, time, etc.
quote:
This is a better point imo. Although writings are easier to destroy into dust than coins.
A vast, trading Maritime Power would have been conducting commerce in every corner of the known world. Their coins would have had high value everywhere they went. They would have trafficked with every other civilization and pre-civilization. Coins in significant numbers would have been scattered so far that no localized geological disaster would have removed them.
It is possible that they did not use coinage, but they most certainly would have used some kind of standardized, repeatable, durable, and distinctive medium of commerce, and at least some of that medium would not have been present at the calamity.
re: It might have been better to keep Khamenei alive.
Posted by CharlesUFarley on 4/18/26 at 7:12 pm to RiverCityTider
quote:
There are like three governments.
This is nothing new. You deal with all three and figure out who your guy is. You give him arms and access to intelligence while you prevent the other powers from dealing with the other two.
That's the way these things are handled.
re: Was there really an Atlantis?
Posted by CharlesUFarley on 4/18/26 at 6:56 pm to 308
Well, if it was a truly advanced civilization, it seems to have existed without coined money, because no coins have ever been found that anyone believed came from Atlantis. So, the most advanced and wealthiest maritime power of the ancient world doesn't seem to have used their own coinage in their vast trading with other nations, because coins survive and we have none. Nor are any Atlantian coins mentioned, to the best of my knowledge, in any ancient record that we can verify.
TIFWIW
TIFWIW
re: I Was Told Iran’s Nuclear Program Was “Obliterated” And It’s Military “100%” Destroyed.
Posted by CharlesUFarley on 4/18/26 at 3:27 pm to Toomer Deplorable
You were told this too, by Barak Obama in 2015.
LINK
How did you react then?
quote:
After two years of negotiations, the United States, together with our international partners, has achieved something that decades of animosity has not: a comprehensive long-term deal with Iran that will prevent it from obtaining a nuclear weapon.
LINK
How did you react then?
re: Can we hurry up and leave NATO
Posted by CharlesUFarley on 4/17/26 at 7:27 pm to Huge Richard
Europe will always be there when they need us.
re: Retirement at 62 and Insurance/medication costs
Posted by CharlesUFarley on 4/17/26 at 8:11 am to Amblin
quote:
But I guess the 3 years from 62-65, you just have to handle the say $25k year for you and spouse for insurance and any major medical costs that come up,
If you can start a Roth Conversion Ladder early enough, you can build enough Roth Conversions and Contributions to keep your MAGI low enough to make Obamacare free or affordable, but you have to plan ahead because a conversion has to have been in your account for five years for people younger than 59.5. For the OP at 62, he doesn't have to wait on conversions but it's probably too late to do that now.
re: Creative breakfast ideas
Posted by CharlesUFarley on 4/17/26 at 7:20 am to CrawfishElvis
Sausage Kolaches, but they'll be gone in 30 seconds
re: Social Security at age 62
Posted by CharlesUFarley on 4/16/26 at 12:52 pm to Ramblin Wreck
I consider this topic often.
I would suggest that you consider what your after tax income will be in future years. Just assume the taxes are the same as today, they probably won't be, but that's all we have to go by.
Next, project your SS benefit for the ages you want to compare, your withdrawals from your retirement assets, and the affects of RMD and IIRMA. Calculate your future after tax income.
What I suspect you will find is that you might have a higher balance from taking SS at 62 and investing it, but you will have a higher after tax income from waiting on SS.
That's what I found. More after tax income if you delay SS, enough to make a difference even in a low return environment of say 3.5%.
Of course, tax laws could change and kill all of this and of course, there are doomsday scenarios with SS.
I would suggest that you consider what your after tax income will be in future years. Just assume the taxes are the same as today, they probably won't be, but that's all we have to go by.
Next, project your SS benefit for the ages you want to compare, your withdrawals from your retirement assets, and the affects of RMD and IIRMA. Calculate your future after tax income.
What I suspect you will find is that you might have a higher balance from taking SS at 62 and investing it, but you will have a higher after tax income from waiting on SS.
That's what I found. More after tax income if you delay SS, enough to make a difference even in a low return environment of say 3.5%.
Of course, tax laws could change and kill all of this and of course, there are doomsday scenarios with SS.
re: The US Army’s next generation of chopper is here, meet the MV-75 FLRAA: “Cheyenne II”
Posted by CharlesUFarley on 4/16/26 at 11:40 am to Darth_Vader
This could have had a lot of the same capabilities and more if they had perfected it in WW2:
and
later
LINK
and
later
LINK
re: Retirement at 62 and Insurance/medication costs
Posted by CharlesUFarley on 4/15/26 at 9:54 pm to ronricks
quote:
Being a fat obese diabetic slob on a litany of medications is ‘good’ now?
When I saw that symbol beside your user name, I knew I was likely dealing with an a--hole.
quote:
bamacare is ‘good’ now?
No, dumba--, it's not good, it's just the only thing available to the OP that is actually close to traditional health insurance.
re: What is something you do that is unconventional but you won't ever do different?
Posted by CharlesUFarley on 4/15/26 at 3:34 pm to Turnblad85
This is sort of relevant, something conventional that I don't do.
I hate microwave ovens. They ruin the taste of most things, and everything tastes better cooked conventionally except possibly heated water.
I will not have one in my house.
I hate microwave ovens. They ruin the taste of most things, and everything tastes better cooked conventionally except possibly heated water.
I will not have one in my house.
re: Retirement at 62 and Insurance/medication costs
Posted by CharlesUFarley on 4/15/26 at 3:12 pm to ronricks
quote:
Wut? Why even use 'Obamacare'? The deductibles and premiums are so high you might as well not even have insurance. Its garbage.
Because I have seen bankruptcy up close and personal, and I am not going to let that happen to me. You shouldn't either.
re: What is something you do that is unconventional but you won't ever do different?
Posted by CharlesUFarley on 4/15/26 at 3:05 pm to Turnblad85
I buy vintage Revere Ware percolators on E-Bay. I make my coffee in a Revere Ware percolator and make it on the stove top. I passed on induction and got gas just so those percolators and my Wok would work. I grind my own beans because I am particular about the grind.
To me, it is what coffee is supposed to be. The Revere Ware percolator hasn't been made in probably 50 years. I have several, and also got several for family members. I check Ebay for them often. Not for collecting, but so I can have coffee my way for the rest of my life. I also have a supply of glass percolator tops.
To me, it is what coffee is supposed to be. The Revere Ware percolator hasn't been made in probably 50 years. I have several, and also got several for family members. I check Ebay for them often. Not for collecting, but so I can have coffee my way for the rest of my life. I also have a supply of glass percolator tops.
re: What to do about mother's cat.
Posted by CharlesUFarley on 4/15/26 at 2:50 pm to prplhze2000
When I lived in Southwest Georgia I had a friend who had an old indoor cat. He had been fixed and declawed. He was nervous and his skin was a mess, you could feel all kinds of bumps on him. He wasn't mean. He liked to interact and be petted but he was too nervous to do it for long. He had one claw that had grown back and it would extend when he got nervous, but he was never trying to claw you.
Long story short. I moved away. Five years later I moved back. My friend had a farm by then. That cat was still alive and living outside. He was happy. When you went outside he came running up. There were feral cats and domestic cats and he was the leader of them all, they all got along. If we walked out to the corral or the barn, that cat would go running out in front of us.
I don't know how old he was, but I thought he was at death's door when I lived there the first time.
I say give him a chance to decide if he wants to live outside before you put him down. He might not survive long out there, but maybe he will enjoy it.
Long story short. I moved away. Five years later I moved back. My friend had a farm by then. That cat was still alive and living outside. He was happy. When you went outside he came running up. There were feral cats and domestic cats and he was the leader of them all, they all got along. If we walked out to the corral or the barn, that cat would go running out in front of us.
I don't know how old he was, but I thought he was at death's door when I lived there the first time.
I say give him a chance to decide if he wants to live outside before you put him down. He might not survive long out there, but maybe he will enjoy it.
re: Retirement at 62 and Insurance/medication costs
Posted by CharlesUFarley on 4/15/26 at 10:00 am to ronricks
quote:
First step is to change your diet, habits, and lifestyle and get off as many medications as possible. Most 'medications' just allow you to continue very bad practices and stay alive.
None of that will change the cost of Obamacare, nor will it eliminate the necessity of it.
re: Why is WW1 Germany overshadowed by WW2 Germany
Posted by CharlesUFarley on 4/14/26 at 2:05 pm to Galloglaich
quote:
You are forgetting that The British Empire still had a globe of resources & population at its disposal while Germany was over extended with time being a negative factor.
Half a Globe. They lost in the Pacific to Japan, and without US support in Europe, might have had to withdraw all their assets to England, maybe not even able to defend Australia. Probably wouldn't have been able to stop the Germans in North Africa, which means the Germans could have conquered the Middle East.
They didn't even develop a tank that could fire an effective High Explosive shell until 1944. That's why the Sherman's were critical to them. British tanks could not effectively engage anti-tank crews, that's why Rommel's use of massed anti-tank weapons was so effective. They were soft targets the the British could not take them out from a tank without getting a lot of holes shot in them.
re: 1st 90 Days Retired - portfolio allocation question
Posted by CharlesUFarley on 4/14/26 at 9:39 am to RoyalWe
quote:
The way I look at it, Roth conversions are really about tax arbitrage. If my marginal tax rate is already high today, there isn’t much opportunity to convert efficiently. And if I expect my future rates to be similar, there’s no real arbitrage to capture.
At that point, all I’d be doing is prepaying taxes and reducing the amount that stays invested, which gives up the benefit of compounding on a larger pre-tax balance. So unless I see a clear rate advantage—like a lower bracket or a temporary opportunity—I don’t see a strong case for converting.
You should also consider the tax flexibility that a Roth conversion gives. If you have a big ticket expense in the future, like a new AC, roof, or car, if you can pull funds from Roth, in some situations you might get a benefit like not triggering IIRMA or a higher tax bracket. I think you should have some. I personally also think that any future tax increases will most likely affect the higher brackets and so much the lower, so the Roth could help to do some peak shaving.
re: Retirement at 62 and Insurance/medication costs
Posted by CharlesUFarley on 4/14/26 at 8:31 am to Jmcc64
Yes.
It uses a figure called Modified Adjusted Gross Income (MAGI). It includes Social Security and tax-exempt income plus all the normal income.
It does not include Roth distributions, and things like HSA contributions and IRA contributions, if you can take one, will reduce it.
I was younger than 59.5 until Jan 2025. I withdrew some of my Roth contributions to keep my MAGI down.
It uses a figure called Modified Adjusted Gross Income (MAGI). It includes Social Security and tax-exempt income plus all the normal income.
It does not include Roth distributions, and things like HSA contributions and IRA contributions, if you can take one, will reduce it.
I was younger than 59.5 until Jan 2025. I withdrew some of my Roth contributions to keep my MAGI down.
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