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Posted to rec.food.cooking
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to buy or not to buy a house
On 2017-07-24 6:32 PM, Alex wrote:
> Gary wrote: >> Bruce wrote: >>> Yes, but Cindy sounded like she's proud of supporting nasty >>> corporations. >> She invests in them. She makes good retirement money. That's what >> everyone hopes to do. To boycott a corporation that wins is dumb. >> Some people here won't buy from the evil Walmart but their little >> protest means nothing to Walmart. Walmart still wins. The >> protesters pay more for products from somewhere else. It makes >> them feel good but won't change a thing. >> >>>>> By the way, what would happen to the world if all civilised countries >>>>> stopped procreating and all barbaric countries continued to breed like >>>>> rabbits? >>>> D.Trump: We nuke the evil *******s. >>> I count the US as a civilised country, but Trump should be the >>> President of a country like Yemen or Saudi-Arabia. >> My prediction: He will never be re-elected and I hope his VP will >> never be elected either....or his barbie-doll daughter. It's time >> for the Democrats to come up with a worthy opponent for the next >> election. Not Al Gore, not Hillary...someone new and fresh. >> >> It shouldn't be too hard to find someone better than Donald's >> gang. > > The Republican had the same problem in this election. Trump just > happened to win. The US really needs an up-to-date Constitution and Bill Of Rights!!!!! |
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Posted to rec.food.cooking
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to buy or not to buy a house
On 7/24/2017 5:21 PM, Alex wrote:
> Taxed and Spent wrote: >> On 7/22/2017 7:09 PM, Alex wrote: >>> Taxed and Spent wrote: >>>> On 7/21/2017 6:53 PM, Alex wrote: >>>>> Taxed and Spent wrote: >>>>>> On 7/20/2017 5:15 PM, Alex wrote: >>>>>>> Taxed and Spent wrote: >>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>>>> John Kuthe wrote: >>>>>>>>>> On Wednesday, July 19, 2017 at 6:05:49 PM UTC-5, Alex wrote: >>>>>>>>>> ... >>>>>>>>>>> You never contributed to an IRA or 401K? Guess you worshiped >>>>>>>>>>> all >>>>>>>>>>> of the >>>>>>>>>>> money you made rather than planning for your future! >>>>>>>>>> I HAD a good 401K when I worked for IBM in the late 1990's until >>>>>>>>>> June 2002 when IBM laid off 15,001 workers worldwide and I was >>>>>>>>>> THE >>>>>>>>>> ONE! Then as I has been pursuing an aggressive credit card debt >>>>>>>>>> repayment program, but now without m,y good IBM income I >>>>>>>>>> liquidated >>>>>>>>>> my entire IBM 401K, paid off ALL my credit cars and had a bunch >>>>>>>>>> left >>>>>>>>>> over so I spent most of the Spring of 2003 "down my the river >>>>>>>>>> in my >>>>>>>>>> 1994 Chrysler Caravan!" Because it kept raining down there and >>>>>>>>>> bringing the river up again and I decided to just starting to >>>>>>>>>> pack a >>>>>>>>>> big cooler with supplies for up up four days was the longest I >>>>>>>>>> stayed down there before driving back and rebooting my cooler! >>>>>>>>>> (Man >>>>>>>>>> I miss those days!) >>>>>>>>>> >>>>>>>>>> Now I just have a "bunch of stocks" (and I will NOT say how much, >>>>>>>>>> but suffice to say it's "a bunch!" >>>>>>>>>> >>>>>>>>>> In addition to the $150,000 worth of the most heinous stocks >>>>>>>>>> that I >>>>>>>>>> sold to buy and fix up this house! >>>>>>>>>> >>>>>>>>>> John Kuth... >>>>>>>>> >>>>>>>>> You should move some, or all, to a Roth IRA so you can collect the >>>>>>>>> money >>>>>>>>> tax-free at retirement time. >>>>>>>>> >>>>>>>> >>>>>>>> >>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >>>>>>>> not >>>>>>>> make sense. >>>>>>> >>>>>>> No. It was tax-free money that he inherited. >>>>>>> >>>>>> >>>>>> I thought you were suggesting he move from a traditional IRA to a >>>>>> ROTH. You said nothing like that, but that is all the rage these >>>>>> days. My bad. >>>>> >>>>> With the future always so uncertain, that would be a bad move! >>>>> >>>> >>>> I agree - it is only a matter of time before ROTHs are taxed. >>> >>> That would be a difficult move. By definition, they are not taxed at >>> the time of redemption. If a change is made, they would have to >>> grandfather the accounts in place. >>> >> >> No they wouldn't. They just pass a law. > > When? > > http://www.kiplinger.com/article/ret...-roth-ira.html > whenever they want, and there is nothing requiring to grandfather anything. |
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Posted to rec.food.cooking
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to buy or not to buy a house
On 7/24/2017 5:25 PM, Alex wrote:
> Taxed and Spent wrote: >> On 7/22/2017 7:07 PM, Alex wrote: >>> Taxed and Spent wrote: >>>> On 7/21/2017 6:57 PM, Alex wrote: >>>>> Taxed and Spent wrote: >>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>> >>>>>>>>> You should move some, or all, to a Roth IRA so you can collect the >>>>>>>>> money >>>>>>>>> tax-free at retirement time. >>>>>>>>> >>>>>>>> >>>>>>>> >>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >>>>>>>> not >>>>>>>> make sense. >>>>>>> >>>>>>> >>>>>>> I make no claim to knowing who retirement plans work in the US >>>>>>> but up >>>>>>> here a common vehicle is the Registered Retirement Savings Plan >>>>>>> (RRSP). >>>>>>> You can sock money away into them and each year you can deduct that >>>>>>> amount from your taxable income... to a limit. It is a tax deferral >>>>>>> system. You have to pay income tax on it when you draw it out. I >>>>>>> guess >>>>>>> the idea is that you sock that money away during good years, the big >>>>>>> income days when you would be paying the higher tax rates. Then you >>>>>>> start cashing them in after retirement when your income is likely >>>>>>> to be >>>>>>> about half what it was when working. You then pay the income tax >>>>>>> at a >>>>>>> lower rate. Some people try to make do on their pensions and leave >>>>>>> the >>>>>>> money in RRSPs until they have to take them out or convert them >>>>>>> another >>>>>>> vehicle. Pity the heirs to estates of people who have lots of money >>>>>>> tucked away in deferral plans and then die early so that they are >>>>>>> all >>>>>>> cashed in the same year and pay even higher tax rates. >>>>>>> >>>>>>> >>>>>> >>>>>> >>>>>> In the US, heirs can receive payouts over a number of years. With >>>>>> complex rules to determine the number of years, of course. >>>>>> >>>>> >>>>> That would depend on the language of the trust. Some have no >>>>> timeline. >>>>> What you are referring to is often the case for children so they don't >>>>> blow it all at once. >>>>> >>>> >>>> I was referring to inherited retirement accounts. >>> >>> So was I. Depends on the language in the trust. >>> >> >> no it doesn't. > > Maybe you are thinking of a required minimum distribution. That doesn't > limit what you can cash out, it tells you how much you have to cash out: > > https://investor.vanguard.com/inherit/ira-rmd?lang=en > yes, RMD. And that has nothing to do with trust language. |
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Posted to rec.food.cooking
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to buy or not to buy a house
On 7/24/2017 6:10 PM, Wayne Boatwright wrote:
> On Mon 24 Jul 2017 05:49:32p, graham told us... > >> On 2017-07-24 6:32 PM, Alex wrote: >>> Gary wrote: >>>> Bruce wrote: >>>>> Yes, but Cindy sounded like she's proud of supporting nasty >>>>> corporations. >>>> She invests in them. She makes good retirement money. That's >>>> what everyone hopes to do. To boycott a corporation that wins is >>>> dumb. Some people here won't buy from the evil Walmart but their >>>> little protest means nothing to Walmart. Walmart still wins. The >>>> protesters pay more for products from somewhere else. It makes >>>> them feel good but won't change a thing. >>>> >>>>>>> By the way, what would happen to the world if all civilised >>>>>>> countries stopped procreating and all barbaric countries >>>>>>> continued to breed like rabbits? D.Trump: We nuke the evil >>>>>>> *******s. >>>>> I count the US as a civilised country, but Trump should be the >>>>> President of a country like Yemen or Saudi-Arabia. >>>> My prediction: He will never be re-elected and I hope his VP >>>> will never be elected either....or his barbie-doll daughter. >>>> It's time for the Democrats to come up with a worthy opponent >>>> for the next election. Not Al Gore, not Hillary...someone new >>>> and fresh. >>>> >>>> It shouldn't be too hard to find someone better than Donald's >>>> gang. >>> >>> The Republican had the same problem in this election. Trump just >>> happened to win. >> >> The US really needs an up-to-date Constitution and Bill Of >> Rights!!!!! >> > > Don't get Trump involved in that!!! > or the Democrats! |
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Posted to rec.food.cooking
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to buy or not to buy a house
On 7/24/2017 8:49 PM, graham wrote:
>>> >>> It shouldn't be too hard to find someone better than Donald's >>> gang. >> >> The Republican had the same problem in this election. Trump just >> happened to win. > > The US really needs an up-to-date Constitution and Bill Of Rights!!!!! The one we have works. It can be amended if needed. What we need is consistent interpretation by sensible judges on the Supreme Court. What would you do different to the Bill of Rights? Our Congress though, is not capable of a new Constitution from scratch. We'd be better off with less people there. |
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Posted to rec.food.cooking
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to John Kuthe
"Wayne Boatwright" > wrote in message
9.45... > On Mon 24 Jul 2017 10:38:25a, Cheri told us... > >> "Gary" > wrote in message >> ... >>> jmcquown wrote: >>>> >>>> There are many reasons I do not speak to this selfish brother. >>> >>> Just reading what I snipped, I don't blame you. Just because he's >>> your brother/blood doesn't mean he's worth dealing with. As >>> Sheldon once said, "hell with humans, animals are the ones worth >>> caring for. They love you unconditionally and don't try to screw >>> you." Not an exact quote but the idea is there. I agree with him. >> >> >> Because they're totally subservient, what's not to like? You >> actually have to use some people skills to interact with humans >> and some people are too selfish to bother. >> >> Cheri >> >> > > Many are not worth bothering with. I don't know about *many* that I have been close to in my life, but some for sure, which is why we are no longer close, I shower my dog with all the time, love, and resources that would have been wasted on them now.  Cheri |
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Posted to rec.food.cooking
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to buy or not to buy a house
On Monday, July 24, 2017 at 3:09:42 PM UTC-5, Bruce wrote:
.... > Yes, he's the last guy to care about other people. I don't understand > how anybody could have thought Trump would help the little man. He > eats little men for breakfast. Well DUH! I think people voted for Drumpf (his real name!) because The Ignorants are getting desperate! :-( John Kuthe... |
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Posted to rec.food.cooking
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to buy or not to buy a house
In article >,
> wrote: > I am hopeful that his grass root support, who sincerely believed he > could bring their jobs back, will be getting thin on the ground now as > they watch him going for a massive great deal for himself and the > Trump family in general and no jobs have arrived. I hate arguing with a woman whose led an "interesting life" that I can't even imagine. I'm only seventy, and life has been easy for me. I don't want life to get "interesting" for me now. I believe that Donald Trump is doing his best to get this country back on track after eight disastrous years of the most blatant, disingenuous and corrupt governmental incompetence and criminality that I've seen in my lifetime. The press showed its stripes as well during that sad time. It also appears that I'm far to the right of the party that I'm supposed to belong to, but I can get over that. Go Donald! You're not a Republican. You're an American. leo |
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Posted to rec.food.cooking
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to buy or not to buy a house
In article >, cshenk1
@cox.net says... > > Janet wrote in rec.food.cooking: > > > In article >, cshenk1 > > @cox.net says... > > > > > > Janet wrote in rec.food.cooking: > > > > > > > In article >, > > > > cshenk1 @cox.net says... > > > > > > > > > > dsi1 wrote in rec.food.cooking: > > > > > > > > > > Have fun sheriffing your little fiefdom. My guess is that > > > > > > it'll be hell for the tenants. > > > > > > > > > > ds1, he's basically got a house and has roomates. Its not a new > > > > > situaton. > > > > > > > > It's a completely new situation. Before, they were all in the > > > > same boat; slated the landlord for all the problems in the > > > > property. > > > > > > > > When John becomes the owner/landlord > > > > > > > > a) he becomes the target for every tiny criticism by tenants > > > > > > b) he's likely to criticise tenants for every little damage or > > > > breakage they inflict on his newly renovated property > > > > > > > > c) The nature of John's illness can make dealing with personal > > > > disagreements very difficult for both parties. > > > > > > > > Janet UK > > > > > > So, you've never been the primary who took in roommates? > > > > As usual, you couldn't be more wrong. > > > > There's nothing much I don't know about managing tenants (legally, > > socially or practical housekeeping) from my many years of first-hand > > experience as a landlady. > > > > Janet UK > > Janet, thats a very different situation from what I asked. I asked > about roomates. Kuthe does not share a room, he shares a house. Bed and Breakfast tenants did not share my bedroom but we were under the same roof. Janet UK |
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Posted to rec.food.cooking
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to buy or not to buy a house
On Monday, July 24, 2017 at 8:49:36 PM UTC-4, graham wrote:
> The US really needs an up-to-date Constitution and Bill Of Rights!!!!! I don't want a Constitutional Convention now. The Framers were very intelligent men. I don't want to leave rewriting their work to a bunch of morons who can't think past the next quarter. What would you change? Would you make us a standard parliamentary democracy? Cindy Hamilton |
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Posted to rec.food.cooking
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to buy or not to buy a house
On 7/25/2017 3:34 AM, Cindy Hamilton wrote:
> On Monday, July 24, 2017 at 8:49:36 PM UTC-4, graham wrote: > >> The US really needs an up-to-date Constitution and Bill Of Rights!!!!! > > I don't want a Constitutional Convention now. The Framers were very > intelligent men. I don't want to leave rewriting their work to > a bunch of morons who can't think past the next quarter. > > What would you change? Would you make us a standard parliamentary > democracy? > > Cindy Hamilton > I think the original constitution only needed one small change. Just add the words "AND WE MEAN IT!" |
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Posted to rec.food.cooking
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to buy or not to buy a house
On 2017-07-25 4:14 AM, Leonard Blaisdell wrote:
> In article >, > > wrote: > >> I am hopeful that his grass root support, who sincerely believed he >> could bring their jobs back, will be getting thin on the ground now as >> they watch him going for a massive great deal for himself and the >> Trump family in general and no jobs have arrived. > > I hate arguing with a woman whose led an "interesting life" that I > can't even imagine. I'm only seventy, and life has been easy for me. I > don't want life to get "interesting" for me now. > I believe that Donald Trump is doing his best to get this country back > on track after eight disastrous years of the most blatant, disingenuous > and corrupt governmental incompetence and criminality that I've seen in > my lifetime. The press showed its stripes as well during that sad time. > Wow. I feel sad for Americans that there are people who think the way you do. While you are alluding to corruption, Trump has fired people who were responsible for investigating him and is now looking at his power to pardon aids, family members and even himself. |
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Posted to rec.food.cooking
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to buy or not to buy a house
On 7/25/2017 6:44 AM, Wayne Boatwright wrote:
> On Tue 25 Jul 2017 06:31:12a, Dave Smith told us... > >> On 2017-07-25 4:14 AM, Leonard Blaisdell wrote: >>> In article >, >>> > wrote: >>> >>>> I am hopeful that his grass root support, who sincerely believed >>>> he could bring their jobs back, will be getting thin on the >>>> ground now as they watch him going for a massive great deal for >>>> himself and the Trump family in general and no jobs have >>>> arrived. >>> >>> I hate arguing with a woman whose led an "interesting life" that >>> I can't even imagine. I'm only seventy, and life has been easy >>> for me. I don't want life to get "interesting" for me now. >>> I believe that Donald Trump is doing his best to get this country >>> back on track after eight disastrous years of the most blatant, >>> disingenuous and corrupt governmental incompetence and >>> criminality that I've seen in my lifetime. The press showed its >>> stripes as well during that sad time. >>> >> >> Wow. I feel sad for Americans that there are people who think the >> way you do. While you are alluding to corruption, Trump has fired >> people who were responsible for investigating him and is now >> looking at his power to pardon aids, family members and even >> himself. > > I suppose because he always operated this way in business, he must > think it's just fine to do so in government. He should be judged to > be legally and totally incompetent and confined to the booby hatch. > If that were true, we should confine half the country. |
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Posted to rec.food.cooking
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to buy or not to buy a house
On 2017-07-25 9:44 AM, Wayne Boatwright wrote:
> On Tue 25 Jul 2017 06:31:12a, Dave Smith told us... >> Wow. I feel sad for Americans that there are people who think the >> way you do. While you are alluding to corruption, Trump has fired >> people who were responsible for investigating him and is now >> looking at his power to pardon aids, family members and even >> himself. > > I suppose because he always operated this way in business, he must > think it's just fine to do so in government. He should be judged to > be legally and totally incompetent and confined to the booby hatch. > I thought he already had been by the smarter people in the country. The election results surprised me. I have watched many American elections over the years and had preferences for one candidate over another. I had been relieved to see the Cain-Palin ticket go down. I was stunned that a loony like Palin would be selected as a running mate. She looked relatively sane compared to Trumpster. |
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Posted to rec.food.cooking
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to buy or not to buy a house
On Tuesday, July 25, 2017 at 5:00:42 AM UTC-5, Janet wrote:
.... > > Janet, thats a very different situation from what I asked. I asked > > about roomates. > > Kuthe does not share a room, he shares a house. Thank you Janet, you get the distinction! John Kuthe... |
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Posted to rec.food.cooking
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to John Kuthe
"Wayne Boatwright" > wrote in message
9.44... > On Mon 24 Jul 2017 10:45:24p, Cheri told us... > >> "Wayne Boatwright" > wrote in message >> 9.45... >>> On Mon 24 Jul 2017 10:38:25a, Cheri told us... >>> >>>> "Gary" > wrote in message >>>> ... >>>>> jmcquown wrote: >>>>>> >>>>>> There are many reasons I do not speak to this selfish brother. >>>>> >>>>> Just reading what I snipped, I don't blame you. Just because >>>>> he's your brother/blood doesn't mean he's worth dealing with. >>>>> As Sheldon once said, "hell with humans, animals are the ones >>>>> worth caring for. They love you unconditionally and don't try >>>>> to screw you." Not an exact quote but the idea is there. I >>>>> agree with him. >>>> >>>> >>>> Because they're totally subservient, what's not to like? You >>>> actually have to use some people skills to interact with humans >>>> and some people are too selfish to bother. >>>> >>>> Cheri >>>> >>>> >>> >>> Many are not worth bothering with. >> >> >> I don't know about *many* that I have been close to in my life, >> but some for sure, which is why we are no longer close, I shower >> my dog with all the time, love, and resources that would have been >> wasted on them now. >> >> Cheri >> > > Over the years time and circumstance changes the relationships of > people who have passed through our lives. One very dear and close > friend of many years I lost through death. A couple with whom I had > been very close for over a decade suddenly cast me aside for some > unknown reason. Were they really friends? I don't know. > > In our present life David and I love and cherish our four fur babies > over any humans I can think of.They ask for nothing but to be loved > and give unqualified love in return. We do have four friends who we > consider very close and we feel certain that they feel the same. All > others are merely acquaintances, if that. I can't imagine cherishing any of my animals more than my loved ones, especially you cherishing them more than David, but to each his own. Cheri |
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Posted to rec.food.cooking
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to John Kuthe
Cheril wrote:
>"Wayne Boatwright" > wrote in message 79.44... >> On Mon 24 Jul 2017 10:45:24p, Cheri told us... >> >>> "Wayne Boatwright" > wrote in message >>> 9.45... >>>> On Mon 24 Jul 2017 10:38:25a, Cheri told us... >>>> >>>>> "Gary" > wrote in message >>>>> ... >>>>>> jmcquown wrote: >>>>>>> >>>>>>> There are many reasons I do not speak to this selfish brother. >>>>>> >>>>>> Just reading what I snipped, I don't blame you. Just because >>>>>> he's your brother/blood doesn't mean he's worth dealing with. >>>>>> As Sheldon once said, "hell with humans, animals are the ones >>>>>> worth caring for. They love you unconditionally and don't try >>>>>> to screw you." Not an exact quote but the idea is there. I >>>>>> agree with him. >>>>> >>>>> >>>>> Because they're totally subservient, what's not to like? You >>>>> actually have to use some people skills to interact with humans >>>>> and some people are too selfish to bother. >>>>> >>>>> Cheri >>>>> >>>>> >>>> >>>> Many are not worth bothering with. >>> >>> >>> I don't know about *many* that I have been close to in my life, >>> but some for sure, which is why we are no longer close, I shower >>> my dog with all the time, love, and resources that would have been >>> wasted on them now. >>> >>> Cheri >>> >> >> Over the years time and circumstance changes the relationships of >> people who have passed through our lives. One very dear and close >> friend of many years I lost through death. A couple with whom I had >> been very close for over a decade suddenly cast me aside for some >> unknown reason. Were they really friends? I don't know. >> >> In our present life David and I love and cherish our four fur babies >> over any humans I can think of.They ask for nothing but to be loved >> and give unqualified love in return. We do have four friends who we >> consider very close and we feel certain that they feel the same. All >> others are merely acquaintances, if that. > >I can't imagine cherishing any of my animals more than my loved ones, >especially you cherishing them more than David, but to each his own. > >Cheri Faggots have no concept of loving other than of themselves. David and Wayne are merely each other's favorite anuses. |
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Posted to rec.food.cooking
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to John Kuthe
"Wayne Boatwright" > wrote in message
9.44... > On Tue 25 Jul 2017 12:24:28p, Cheri told us... > >> "Wayne Boatwright" > wrote in message >> 9.44... >>> On Mon 24 Jul 2017 10:45:24p, Cheri told us... >>> >>>> "Wayne Boatwright" > wrote in message >>>> 9.45... >>>>> On Mon 24 Jul 2017 10:38:25a, Cheri told us... >>>>> >>>>>> "Gary" > wrote in message >>>>>> ... >>>>>>> jmcquown wrote: >>>>>>>> >>>>>>>> There are many reasons I do not speak to this selfish >>>>>>>> brother. >>>>>>> >>>>>>> Just reading what I snipped, I don't blame you. Just because >>>>>>> he's your brother/blood doesn't mean he's worth dealing with. >>>>>>> As Sheldon once said, "hell with humans, animals are the ones >>>>>>> worth caring for. They love you unconditionally and don't try >>>>>>> to screw you." Not an exact quote but the idea is there. I >>>>>>> agree with him. >>>>>> >>>>>> >>>>>> Because they're totally subservient, what's not to like? You >>>>>> actually have to use some people skills to interact with >>>>>> humans and some people are too selfish to bother. >>>>>> >>>>>> Cheri >>>>>> >>>>>> >>>>> >>>>> Many are not worth bothering with. >>>> >>>> >>>> I don't know about *many* that I have been close to in my life, >>>> but some for sure, which is why we are no longer close, I shower >>>> my dog with all the time, love, and resources that would have >>>> been wasted on them now. >>>> >>>> Cheri >>>> >>> >>> Over the years time and circumstance changes the relationships of >>> people who have passed through our lives. One very dear and >>> close friend of many years I lost through death. A couple with >>> whom I had been very close for over a decade suddenly cast me >>> aside for some unknown reason. Were they really friends? I don't >>> know. >>> >>> In our present life David and I love and cherish our four fur >>> babies over any humans I can think of.They ask for nothing but to >>> be loved and give unqualified love in return. We do have four >>> friends who we consider very close and we feel certain that they >>> feel the same. All others are merely acquaintances, if that. >> >> I can't imagine cherishing any of my animals more than my loved >> ones, especially you cherishing them more than David, but to each >> his own. >> >> Cheri >> >> > > I thought that putting David first was implicit. I should probably > have said "over any other humans". I was hoping that was the case, but I would never choose my animals over my siblings, children, friends that I love, etc. I would choose them over *some* humans, especially humans that are guilty of cruelty to animals. Cheri |
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Posted to rec.food.cooking
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to John Kuthe
On 7/25/2017 4:01 PM, Wayne Boatwright wrote:
> I have no siblings or children > Yea, men ass banging each other doesn't produce offspring. |
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Posted to rec.food.cooking
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to buy or not to buy a house
Janet wrote in rec.food.cooking:
> In article >, cshenk1 > @cox.net says... > > > > Janet wrote in rec.food.cooking: > > > > > In article >, > > > cshenk1 @cox.net says... > > > > > > > > Janet wrote in rec.food.cooking: > > > > > > > > > In article >, > > > > > cshenk1 @cox.net says... > > > > > > > > > > > > dsi1 wrote in rec.food.cooking: > > > > > > > > > > > > Have fun sheriffing your little fiefdom. My guess is that > > > > > > > it'll be hell for the tenants. > > > > > > > > > > > > ds1, he's basically got a house and has roomates. Its not > > > > > > a new situaton. > > > > > > > > > > It's a completely new situation. Before, they were all in > > > > > the same boat; slated the landlord for all the problems in the > > > > > property. > > > > > > > > > > When John becomes the owner/landlord > > > > > > > > > > a) he becomes the target for every tiny criticism by tenants > > > > > > > > b) he's likely to criticise tenants for every little damage > > > > > or breakage they inflict on his newly renovated property > > > > > > > > > > c) The nature of John's illness can make dealing with > > > > > personal disagreements very difficult for both parties. > > > > > > > > > > Janet UK > > > > > > > > So, you've never been the primary who took in roommates? > > > > > > As usual, you couldn't be more wrong. > > > > > > There's nothing much I don't know about managing tenants > > > (legally, socially or practical housekeeping) from my many years > > > of first-hand experience as a landlady. > > > > > > Janet UK > > > > Janet, thats a very different situation from what I asked. I asked > > about roomates. > > Kuthe does not share a room, he shares a house. > > Bed and Breakfast tenants did not share my bedroom but we were > under the same roof. > > Janet UK > > Umm, roomates in a house do not necessarily share a bedroom. It's pretty common to have 2 in a 2 bedroom place, or 3 in a 3bedroom place. You can of course have 4 in a 2 bedroom place. -- |
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to buy or not to buy a house
Taxed and Spent wrote:
> On 7/24/2017 5:25 PM, Alex wrote: >> Taxed and Spent wrote: >>> On 7/22/2017 7:07 PM, Alex wrote: >>>> Taxed and Spent wrote: >>>>> On 7/21/2017 6:57 PM, Alex wrote: >>>>>> Taxed and Spent wrote: >>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>>> >>>>>>>>>> You should move some, or all, to a Roth IRA so you can >>>>>>>>>> collect the >>>>>>>>>> money >>>>>>>>>> tax-free at retirement time. >>>>>>>>>> >>>>>>>>> >>>>>>>>> >>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >>>>>>>>> not >>>>>>>>> make sense. >>>>>>>> >>>>>>>> >>>>>>>> I make no claim to knowing who retirement plans work in the US >>>>>>>> but up >>>>>>>> here a common vehicle is the Registered Retirement Savings Plan >>>>>>>> (RRSP). >>>>>>>> You can sock money away into them and each year you can deduct >>>>>>>> that >>>>>>>> amount from your taxable income... to a limit. It is a tax >>>>>>>> deferral >>>>>>>> system. You have to pay income tax on it when you draw it out. I >>>>>>>> guess >>>>>>>> the idea is that you sock that money away during good years, >>>>>>>> the big >>>>>>>> income days when you would be paying the higher tax rates. Then >>>>>>>> you >>>>>>>> start cashing them in after retirement when your income is likely >>>>>>>> to be >>>>>>>> about half what it was when working. You then pay the income tax >>>>>>>> at a >>>>>>>> lower rate. Some people try to make do on their pensions and >>>>>>>> leave >>>>>>>> the >>>>>>>> money in RRSPs until they have to take them out or convert them >>>>>>>> another >>>>>>>> vehicle. Pity the heirs to estates of people who have lots of >>>>>>>> money >>>>>>>> tucked away in deferral plans and then die early so that they are >>>>>>>> all >>>>>>>> cashed in the same year and pay even higher tax rates. >>>>>>>> >>>>>>>> >>>>>>> >>>>>>> >>>>>>> In the US, heirs can receive payouts over a number of years. With >>>>>>> complex rules to determine the number of years, of course. >>>>>>> >>>>>> >>>>>> That would depend on the language of the trust. Some have no >>>>>> timeline. >>>>>> What you are referring to is often the case for children so they >>>>>> don't >>>>>> blow it all at once. >>>>>> >>>>> >>>>> I was referring to inherited retirement accounts. >>>> >>>> So was I. Depends on the language in the trust. >>>> >>> >>> no it doesn't. >> >> Maybe you are thinking of a required minimum distribution. That doesn't >> limit what you can cash out, it tells you how much you have to cash out: >> >> https://investor.vanguard.com/inherit/ira-rmd?lang=en >> > > yes, RMD. And that has nothing to do with trust language. A trust can limit the access to anything in it. Many are set up so the beneficiaries are unable to liquidate it all at once. |
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to buy or not to buy a house
On 7/25/2017 4:57 PM, Alex wrote:
> Taxed and Spent wrote: >> On 7/24/2017 5:25 PM, Alex wrote: >>> Taxed and Spent wrote: >>>> On 7/22/2017 7:07 PM, Alex wrote: >>>>> Taxed and Spent wrote: >>>>>> On 7/21/2017 6:57 PM, Alex wrote: >>>>>>> Taxed and Spent wrote: >>>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >>>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >>>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>>>> >>>>>>>>>>> You should move some, or all, to a Roth IRA so you can >>>>>>>>>>> collect the >>>>>>>>>>> money >>>>>>>>>>> tax-free at retirement time. >>>>>>>>>>> >>>>>>>>>> >>>>>>>>>> >>>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >>>>>>>>>> not >>>>>>>>>> make sense. >>>>>>>>> >>>>>>>>> >>>>>>>>> I make no claim to knowing who retirement plans work in the US >>>>>>>>> but up >>>>>>>>> here a common vehicle is the Registered Retirement Savings Plan >>>>>>>>> (RRSP). >>>>>>>>> You can sock money away into them and each year you can deduct >>>>>>>>> that >>>>>>>>> amount from your taxable income... to a limit. It is a tax >>>>>>>>> deferral >>>>>>>>> system. You have to pay income tax on it when you draw it out. I >>>>>>>>> guess >>>>>>>>> the idea is that you sock that money away during good years, >>>>>>>>> the big >>>>>>>>> income days when you would be paying the higher tax rates. Then >>>>>>>>> you >>>>>>>>> start cashing them in after retirement when your income is likely >>>>>>>>> to be >>>>>>>>> about half what it was when working. You then pay the income tax >>>>>>>>> at a >>>>>>>>> lower rate. Some people try to make do on their pensions and >>>>>>>>> leave >>>>>>>>> the >>>>>>>>> money in RRSPs until they have to take them out or convert them >>>>>>>>> another >>>>>>>>> vehicle. Pity the heirs to estates of people who have lots of >>>>>>>>> money >>>>>>>>> tucked away in deferral plans and then die early so that they are >>>>>>>>> all >>>>>>>>> cashed in the same year and pay even higher tax rates. >>>>>>>>> >>>>>>>>> >>>>>>>> >>>>>>>> >>>>>>>> In the US, heirs can receive payouts over a number of years. With >>>>>>>> complex rules to determine the number of years, of course. >>>>>>>> >>>>>>> >>>>>>> That would depend on the language of the trust. Some have no >>>>>>> timeline. >>>>>>> What you are referring to is often the case for children so they >>>>>>> don't >>>>>>> blow it all at once. >>>>>>> >>>>>> >>>>>> I was referring to inherited retirement accounts. >>>>> >>>>> So was I. Depends on the language in the trust. >>>>> >>>> >>>> no it doesn't. >>> >>> Maybe you are thinking of a required minimum distribution. That doesn't >>> limit what you can cash out, it tells you how much you have to cash out: >>> >>> https://investor.vanguard.com/inherit/ira-rmd?lang=en >>> >> >> yes, RMD. And that has nothing to do with trust language. > > A trust can limit the access to anything in it. Many are set up so the > beneficiaries are unable to liquidate it all at once. > yes, but retirement accounts stand by themselves - they are NOT in the decedent's estate (although counted for the calculation of death taxes). |
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to John Kuthe
"Wayne Boatwright" > wrote in message
9.44... > On Tue 25 Jul 2017 12:43:38p, Cheri told us... > >> "Wayne Boatwright" > wrote in message >> 9.44... >>> On Tue 25 Jul 2017 12:24:28p, Cheri told us... >>> >>>> "Wayne Boatwright" > wrote in message >>>> 9.44... >>>>> On Mon 24 Jul 2017 10:45:24p, Cheri told us... >>>>> >>>>>> "Wayne Boatwright" > wrote in >>>>>> message >>>>>> 9.45... >>>>>>> On Mon 24 Jul 2017 10:38:25a, Cheri told us... >>>>>>> >>>>>>>> "Gary" > wrote in message >>>>>>>> ... >>>>>>>>> jmcquown wrote: >>>>>>>>>> >>>>>>>>>> There are many reasons I do not speak to this selfish >>>>>>>>>> brother. >>>>>>>>> >>>>>>>>> Just reading what I snipped, I don't blame you. Just >>>>>>>>> because he's your brother/blood doesn't mean he's worth >>>>>>>>> dealing with. As Sheldon once said, "hell with humans, >>>>>>>>> animals are the ones worth caring for. They love you >>>>>>>>> unconditionally and don't try to screw you." Not an exact >>>>>>>>> quote but the idea is there. I agree with him. >>>>>>>> >>>>>>>> >>>>>>>> Because they're totally subservient, what's not to like? You >>>>>>>> actually have to use some people skills to interact with >>>>>>>> humans and some people are too selfish to bother. >>>>>>>> >>>>>>>> Cheri >>>>>>>> >>>>>>>> >>>>>>> >>>>>>> Many are not worth bothering with. >>>>>> >>>>>> >>>>>> I don't know about *many* that I have been close to in my >>>>>> life, but some for sure, which is why we are no longer close, >>>>>> I shower my dog with all the time, love, and resources that >>>>>> would have been wasted on them now. >>>>>> >>>>>> Cheri >>>>>> >>>>> >>>>> Over the years time and circumstance changes the relationships >>>>> of people who have passed through our lives. One very dear and >>>>> close friend of many years I lost through death. A couple with >>>>> whom I had been very close for over a decade suddenly cast me >>>>> aside for some unknown reason. Were they really friends? I >>>>> don't know. >>>>> >>>>> In our present life David and I love and cherish our four fur >>>>> babies over any humans I can think of.They ask for nothing but >>>>> to be loved and give unqualified love in return. We do have >>>>> four friends who we consider very close and we feel certain >>>>> that they feel the same. All others are merely acquaintances, >>>>> if that. >>>> >>>> I can't imagine cherishing any of my animals more than my loved >>>> ones, especially you cherishing them more than David, but to >>>> each his own. >>>> >>>> Cheri >>>> >>>> >>> >>> I thought that putting David first was implicit. I should >>> probably have said "over any other humans". >> >> I was hoping that was the case, but I would never choose my >> animals over my siblings, children, friends that I love, etc. I >> would choose them over *some* humans, especially humans that are >> guilty of cruelty to animals. >> >> Cheri >> >> > > I have no siblings or children, but I would still choose my pets over > friends that I love. I've been too disappointed in even close > friends. My pets don't disappoint. David has both siblings and > chldren, and I know that he would choose our pets over them. He has > said it many times. He had a very rough family life. > > People that are guily of cruelty to animals are not human and they > should be put in those filthy cages that they put their animals in. I've not been disappointed in friends that I love, I have been disappointed in friends that are no longer friends, they have probably been disappointed in me as well, but as far as family goes...never been anything that even came close to lasting anger or unforgiveness, thankfully. Cheri |
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to John Kuthe
On Tuesday, July 25, 2017 at 4:20:52 PM UTC-5, Sheldon Katz wrote:
> On 7/25/2017 4:01 PM, Wayne Boatwright wrote: > > I have no siblings or children > > > Yea, men ass banging each other doesn't produce offspring. Well there certainly IS that now, isn't there? ;-) John Kuthe... |
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to buy or not to buy a house
On Tuesday, July 25, 2017 at 6:57:13 PM UTC-5, Alex wrote:
> Taxed and Spent wrote: > > On 7/24/2017 5:25 PM, Alex wrote: > >> Taxed and Spent wrote: > >>> On 7/22/2017 7:07 PM, Alex wrote: > >>>> Taxed and Spent wrote: > >>>>> On 7/21/2017 6:57 PM, Alex wrote: > >>>>>> Taxed and Spent wrote: > >>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: > >>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: > >>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: > >>>>>>>> > >>>>>>>>>> You should move some, or all, to a Roth IRA so you can > >>>>>>>>>> collect the > >>>>>>>>>> money > >>>>>>>>>> tax-free at retirement time. > >>>>>>>>>> > >>>>>>>>> > >>>>>>>>> > >>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may > >>>>>>>>> not > >>>>>>>>> make sense. > >>>>>>>> > >>>>>>>> > >>>>>>>> I make no claim to knowing who retirement plans work in the US > >>>>>>>> but up > >>>>>>>> here a common vehicle is the Registered Retirement Savings Plan > >>>>>>>> (RRSP). > >>>>>>>> You can sock money away into them and each year you can deduct > >>>>>>>> that > >>>>>>>> amount from your taxable income... to a limit. It is a tax > >>>>>>>> deferral > >>>>>>>> system. You have to pay income tax on it when you draw it out. I > >>>>>>>> guess > >>>>>>>> the idea is that you sock that money away during good years, > >>>>>>>> the big > >>>>>>>> income days when you would be paying the higher tax rates. Then > >>>>>>>> you > >>>>>>>> start cashing them in after retirement when your income is likely > >>>>>>>> to be > >>>>>>>> about half what it was when working. You then pay the income tax > >>>>>>>> at a > >>>>>>>> lower rate. Some people try to make do on their pensions and > >>>>>>>> leave > >>>>>>>> the > >>>>>>>> money in RRSPs until they have to take them out or convert them > >>>>>>>> another > >>>>>>>> vehicle. Pity the heirs to estates of people who have lots of > >>>>>>>> money > >>>>>>>> tucked away in deferral plans and then die early so that they are > >>>>>>>> all > >>>>>>>> cashed in the same year and pay even higher tax rates. > >>>>>>>> > >>>>>>>> > >>>>>>> > >>>>>>> > >>>>>>> In the US, heirs can receive payouts over a number of years. With > >>>>>>> complex rules to determine the number of years, of course. > >>>>>>> > >>>>>> > >>>>>> That would depend on the language of the trust. Some have no > >>>>>> timeline. > >>>>>> What you are referring to is often the case for children so they > >>>>>> don't > >>>>>> blow it all at once. > >>>>>> > >>>>> > >>>>> I was referring to inherited retirement accounts. > >>>> > >>>> So was I. Depends on the language in the trust. > >>>> > >>> > >>> no it doesn't. > >> > >> Maybe you are thinking of a required minimum distribution. That doesn't > >> limit what you can cash out, it tells you how much you have to cash out: > >> > >> https://investor.vanguard.com/inherit/ira-rmd?lang=en > >> > > > > yes, RMD. And that has nothing to do with trust language. > > A trust can limit the access to anything in it. Many are set up so the > beneficiaries are unable to liquidate it all at once. Not in my case! I want all my housemates to know that in an emergency they CAN leave on short notice,. I'd prefer sooner notification but sometimes that's not possible. Remember this is primarily but not limited to students! John Kuthe... |
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to buy or not to buy a house
On 7/25/2017 7:35 PM, John Kuthe wrote:
> On Tuesday, July 25, 2017 at 6:57:13 PM UTC-5, Alex wrote: >> Taxed and Spent wrote: >>> On 7/24/2017 5:25 PM, Alex wrote: >>>> Taxed and Spent wrote: >>>>> On 7/22/2017 7:07 PM, Alex wrote: >>>>>> Taxed and Spent wrote: >>>>>>> On 7/21/2017 6:57 PM, Alex wrote: >>>>>>>> Taxed and Spent wrote: >>>>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >>>>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >>>>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>>>>> >>>>>>>>>>>> You should move some, or all, to a Roth IRA so you can >>>>>>>>>>>> collect the >>>>>>>>>>>> money >>>>>>>>>>>> tax-free at retirement time. >>>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >>>>>>>>>>> not >>>>>>>>>>> make sense. >>>>>>>>>> >>>>>>>>>> >>>>>>>>>> I make no claim to knowing who retirement plans work in the US >>>>>>>>>> but up >>>>>>>>>> here a common vehicle is the Registered Retirement Savings Plan >>>>>>>>>> (RRSP). >>>>>>>>>> You can sock money away into them and each year you can deduct >>>>>>>>>> that >>>>>>>>>> amount from your taxable income... to a limit. It is a tax >>>>>>>>>> deferral >>>>>>>>>> system. You have to pay income tax on it when you draw it out. I >>>>>>>>>> guess >>>>>>>>>> the idea is that you sock that money away during good years, >>>>>>>>>> the big >>>>>>>>>> income days when you would be paying the higher tax rates. Then >>>>>>>>>> you >>>>>>>>>> start cashing them in after retirement when your income is likely >>>>>>>>>> to be >>>>>>>>>> about half what it was when working. You then pay the income tax >>>>>>>>>> at a >>>>>>>>>> lower rate. Some people try to make do on their pensions and >>>>>>>>>> leave >>>>>>>>>> the >>>>>>>>>> money in RRSPs until they have to take them out or convert them >>>>>>>>>> another >>>>>>>>>> vehicle. Pity the heirs to estates of people who have lots of >>>>>>>>>> money >>>>>>>>>> tucked away in deferral plans and then die early so that they are >>>>>>>>>> all >>>>>>>>>> cashed in the same year and pay even higher tax rates. >>>>>>>>>> >>>>>>>>>> >>>>>>>>> >>>>>>>>> >>>>>>>>> In the US, heirs can receive payouts over a number of years. With >>>>>>>>> complex rules to determine the number of years, of course. >>>>>>>>> >>>>>>>> >>>>>>>> That would depend on the language of the trust. Some have no >>>>>>>> timeline. >>>>>>>> What you are referring to is often the case for children so they >>>>>>>> don't >>>>>>>> blow it all at once. >>>>>>>> >>>>>>> >>>>>>> I was referring to inherited retirement accounts. >>>>>> >>>>>> So was I. Depends on the language in the trust. >>>>>> >>>>> >>>>> no it doesn't. >>>> >>>> Maybe you are thinking of a required minimum distribution. That doesn't >>>> limit what you can cash out, it tells you how much you have to cash out: >>>> >>>> https://investor.vanguard.com/inherit/ira-rmd?lang=en >>>> >>> >>> yes, RMD. And that has nothing to do with trust language. >> >> A trust can limit the access to anything in it. Many are set up so the >> beneficiaries are unable to liquidate it all at once. > > Not in my case! I want all my housemates to know that in an emergency they CAN leave on short notice,. I'd prefer sooner notification but sometimes that's not possible. > > Remember this is primarily but not limited to students! > > John Kuthe... > OK, time for the nice fellows in the white coats to pay this guy a visit. |
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to buy or not to buy a house
On Tue, 25 Jul 2017 19:35:20 -0700 (PDT), John Kuthe
> wrote: >On Tuesday, July 25, 2017 at 6:57:13 PM UTC-5, Alex wrote: >> Taxed and Spent wrote: >> > On 7/24/2017 5:25 PM, Alex wrote: >> >> Taxed and Spent wrote: >> >>> On 7/22/2017 7:07 PM, Alex wrote: >> >>>> Taxed and Spent wrote: >> >>>>> On 7/21/2017 6:57 PM, Alex wrote: >> >>>>>> Taxed and Spent wrote: >> >>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >> >>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >> >>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >> >>>>>>>> >> >>>>>>>>>> You should move some, or all, to a Roth IRA so you can >> >>>>>>>>>> collect the >> >>>>>>>>>> money >> >>>>>>>>>> tax-free at retirement time. >> >>>>>>>>>> >> >>>>>>>>> >> >>>>>>>>> >> >>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >> >>>>>>>>> not >> >>>>>>>>> make sense. >> >>>>>>>> >> >>>>>>>> >> >>>>>>>> I make no claim to knowing who retirement plans work in the US >> >>>>>>>> but up >> >>>>>>>> here a common vehicle is the Registered Retirement Savings Plan >> >>>>>>>> (RRSP). >> >>>>>>>> You can sock money away into them and each year you can deduct >> >>>>>>>> that >> >>>>>>>> amount from your taxable income... to a limit. It is a tax >> >>>>>>>> deferral >> >>>>>>>> system. You have to pay income tax on it when you draw it out. I >> >>>>>>>> guess >> >>>>>>>> the idea is that you sock that money away during good years, >> >>>>>>>> the big >> >>>>>>>> income days when you would be paying the higher tax rates. Then >> >>>>>>>> you >> >>>>>>>> start cashing them in after retirement when your income is likely >> >>>>>>>> to be >> >>>>>>>> about half what it was when working. You then pay the income tax >> >>>>>>>> at a >> >>>>>>>> lower rate. Some people try to make do on their pensions and >> >>>>>>>> leave >> >>>>>>>> the >> >>>>>>>> money in RRSPs until they have to take them out or convert them >> >>>>>>>> another >> >>>>>>>> vehicle. Pity the heirs to estates of people who have lots of >> >>>>>>>> money >> >>>>>>>> tucked away in deferral plans and then die early so that they are >> >>>>>>>> all >> >>>>>>>> cashed in the same year and pay even higher tax rates. >> >>>>>>>> >> >>>>>>>> >> >>>>>>> >> >>>>>>> >> >>>>>>> In the US, heirs can receive payouts over a number of years. With >> >>>>>>> complex rules to determine the number of years, of course. >> >>>>>>> >> >>>>>> >> >>>>>> That would depend on the language of the trust. Some have no >> >>>>>> timeline. >> >>>>>> What you are referring to is often the case for children so they >> >>>>>> don't >> >>>>>> blow it all at once. >> >>>>>> >> >>>>> >> >>>>> I was referring to inherited retirement accounts. >> >>>> >> >>>> So was I. Depends on the language in the trust. >> >>>> >> >>> >> >>> no it doesn't. >> >> >> >> Maybe you are thinking of a required minimum distribution. That doesn't >> >> limit what you can cash out, it tells you how much you have to cash out: >> >> >> >> https://investor.vanguard.com/inherit/ira-rmd?lang=en >> >> >> > >> > yes, RMD. And that has nothing to do with trust language. >> >> A trust can limit the access to anything in it. Many are set up so the >> beneficiaries are unable to liquidate it all at once. > >Not in my case! I want all my housemates to know that in an emergency they CAN leave on short notice,. I'd prefer sooner notification but sometimes that's not possible. > >Remember this is primarily but not limited to students! Trump is rubbing off on you. Screw the little man. That's just wonderful! |
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Posted to rec.food.cooking
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to buy or not to buy a house
"Taxed and Spent" wrote in message news
On 7/25/2017 7:35 PM, John Kuthe wrote: > On Tuesday, July 25, 2017 at 6:57:13 PM UTC-5, Alex wrote: >> Taxed and Spent wrote: >>> On 7/24/2017 5:25 PM, Alex wrote: >>>> Taxed and Spent wrote: >>>>> On 7/22/2017 7:07 PM, Alex wrote: >>>>>> Taxed and Spent wrote: >>>>>>> On 7/21/2017 6:57 PM, Alex wrote: >>>>>>>> Taxed and Spent wrote: >>>>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >>>>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >>>>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>>>>> >>>>>>>>>>>> You should move some, or all, to a Roth IRA so you can >>>>>>>>>>>> collect the >>>>>>>>>>>> money >>>>>>>>>>>> tax-free at retirement time. >>>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >>>>>>>>>>> not >>>>>>>>>>> make sense. >>>>>>>>>> >>>>>>>>>> >>>>>>>>>> I make no claim to knowing who retirement plans work in the US >>>>>>>>>> but up >>>>>>>>>> here a common vehicle is the Registered Retirement Savings Plan >>>>>>>>>> (RRSP). >>>>>>>>>> You can sock money away into them and each year you can deduct >>>>>>>>>> that >>>>>>>>>> amount from your taxable income... to a limit. It is a tax >>>>>>>>>> deferral >>>>>>>>>> system. You have to pay income tax on it when you draw it out. I >>>>>>>>>> guess >>>>>>>>>> the idea is that you sock that money away during good years, >>>>>>>>>> the big >>>>>>>>>> income days when you would be paying the higher tax rates. Then >>>>>>>>>> you >>>>>>>>>> start cashing them in after retirement when your income is likely >>>>>>>>>> to be >>>>>>>>>> about half what it was when working. You then pay the income tax >>>>>>>>>> at a >>>>>>>>>> lower rate. Some people try to make do on their pensions and >>>>>>>>>> leave >>>>>>>>>> the >>>>>>>>>> money in RRSPs until they have to take them out or convert them >>>>>>>>>> another >>>>>>>>>> vehicle. Pity the heirs to estates of people who have lots of >>>>>>>>>> money >>>>>>>>>> tucked away in deferral plans and then die early so that they are >>>>>>>>>> all >>>>>>>>>> cashed in the same year and pay even higher tax rates. >>>>>>>>>> >>>>>>>>>> >>>>>>>>> >>>>>>>>> >>>>>>>>> In the US, heirs can receive payouts over a number of years. With >>>>>>>>> complex rules to determine the number of years, of course. >>>>>>>>> >>>>>>>> >>>>>>>> That would depend on the language of the trust. Some have no >>>>>>>> timeline. >>>>>>>> What you are referring to is often the case for children so they >>>>>>>> don't >>>>>>>> blow it all at once. >>>>>>>> >>>>>>> >>>>>>> I was referring to inherited retirement accounts. >>>>>> >>>>>> So was I. Depends on the language in the trust. >>>>>> >>>>> >>>>> no it doesn't. >>>> >>>> Maybe you are thinking of a required minimum distribution. That >>>> doesn't >>>> limit what you can cash out, it tells you how much you have to cash >>>> out: >>>> >>>> https://investor.vanguard.com/inherit/ira-rmd?lang=en >>>> >>> >>> yes, RMD. And that has nothing to do with trust language. >> >> A trust can limit the access to anything in it. Many are set up so the >> beneficiaries are unable to liquidate it all at once. > > Not in my case! I want all my housemates to know that in an emergency they > CAN leave on short notice,. I'd prefer sooner notification but sometimes > that's not possible. > > Remember this is primarily but not limited to students! > > John Kuthe... > OK, time for the nice fellows in the white coats to pay this guy a visit. == Why? He isn't a student and he lives there. -- http://www.helpforheroes.org.uk |
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to buy or not to buy a house
On 7/26/2017 12:58 AM, Ophelia wrote:
> "Taxed and Spent" wrote in message news
> > On 7/25/2017 7:35 PM, John Kuthe wrote: >> On Tuesday, July 25, 2017 at 6:57:13 PM UTC-5, Alex wrote: >>> Taxed and Spent wrote: >>>> On 7/24/2017 5:25 PM, Alex wrote: >>>>> Taxed and Spent wrote: >>>>>> On 7/22/2017 7:07 PM, Alex wrote: >>>>>>> Taxed and Spent wrote: >>>>>>>> On 7/21/2017 6:57 PM, Alex wrote: >>>>>>>>> Taxed and Spent wrote: >>>>>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >>>>>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >>>>>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>>>>>> >>>>>>>>>>>>> You should move some, or all, to a Roth IRA so you can >>>>>>>>>>>>> collect the >>>>>>>>>>>>> money >>>>>>>>>>>>> tax-free at retirement time. >>>>>>>>>>>>> >>>>>>>>>>>> >>>>>>>>>>>> >>>>>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >>>>>>>>>>>> not >>>>>>>>>>>> make sense. >>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>>> I make no claim to knowing who retirement plans work in the US >>>>>>>>>>> but up >>>>>>>>>>> here a common vehicle is the Registered Retirement Savings Plan >>>>>>>>>>> (RRSP). >>>>>>>>>>> You can sock money away into them and each year you can deduct >>>>>>>>>>> that >>>>>>>>>>> amount from your taxable income... to a limit. It is a tax >>>>>>>>>>> deferral >>>>>>>>>>> system. You have to pay income tax on it when you draw it out. I >>>>>>>>>>> guess >>>>>>>>>>> the idea is that you sock that money away during good years, >>>>>>>>>>> the big >>>>>>>>>>> income days when you would be paying the higher tax rates. Then >>>>>>>>>>> you >>>>>>>>>>> start cashing them in after retirement when your income is likely >>>>>>>>>>> to be >>>>>>>>>>> about half what it was when working. You then pay the income tax >>>>>>>>>>> at a >>>>>>>>>>> lower rate. Some people try to make do on their pensions and >>>>>>>>>>> leave >>>>>>>>>>> the >>>>>>>>>>> money in RRSPs until they have to take them out or convert them >>>>>>>>>>> another >>>>>>>>>>> vehicle. Pity the heirs to estates of people who have lots of >>>>>>>>>>> money >>>>>>>>>>> tucked away in deferral plans and then die early so that they are >>>>>>>>>>> all >>>>>>>>>>> cashed in the same year and pay even higher tax rates. >>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>> >>>>>>>>>> >>>>>>>>>> In the US, heirs can receive payouts over a number of years. With >>>>>>>>>> complex rules to determine the number of years, of course. >>>>>>>>>> >>>>>>>>> >>>>>>>>> That would depend on the language of the trust. Some have no >>>>>>>>> timeline. >>>>>>>>> What you are referring to is often the case for children so they >>>>>>>>> don't >>>>>>>>> blow it all at once. >>>>>>>>> >>>>>>>> >>>>>>>> I was referring to inherited retirement accounts. >>>>>>> >>>>>>> So was I. Depends on the language in the trust. >>>>>>> >>>>>> >>>>>> no it doesn't. >>>>> >>>>> Maybe you are thinking of a required minimum distribution. That >>>>> doesn't >>>>> limit what you can cash out, it tells you how much you have to cash >>>>> out: >>>>> >>>>> https://investor.vanguard.com/inherit/ira-rmd?lang=en >>>>> >>>> >>>> yes, RMD. And that has nothing to do with trust language. >>> >>> A trust can limit the access to anything in it. Many are set up so the >>> beneficiaries are unable to liquidate it all at once. >> >> Not in my case! I want all my housemates to know that in an emergency they >> CAN leave on short notice,. I'd prefer sooner notification but sometimes >> that's not possible. >> >> Remember this is primarily but not limited to students! >> >> John Kuthe... >> > > > OK, time for the nice fellows in the white coats to pay this guy a visit. > > == > > Why? He isn't a student and he lives there. > > > > He is including his student tenants in his estate planning? |
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to buy or not to buy a house
On Wednesday, July 26, 2017 at 3:02:23 AM UTC-5, Ophelia wrote:
.... > Why? He isn't a student and he lives there. Too many UNDEFINED pronouns! I have no clear idea of what you just typed about! John Kuthe... |
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to buy or not to buy a house
On Tuesday, July 25, 2017 at 11:42:23 PM UTC-5, Bruce wrote:
.... > > Trump is rubbing off on you. Screw the little man. That's just > wonderful! BS! John Kuthe... |
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Posted to rec.food.cooking
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to buy or not to buy a house
"Taxed and Spent" wrote in message news
On 7/26/2017 12:58 AM, Ophelia wrote: > "Taxed and Spent" wrote in message news
>> On 7/25/2017 7:35 PM, John Kuthe wrote: >> On Tuesday, July 25, 2017 at 6:57:13 PM UTC-5, Alex wrote: >>> Taxed and Spent wrote: >>>> On 7/24/2017 5:25 PM, Alex wrote: >>>>> Taxed and Spent wrote: >>>>>> On 7/22/2017 7:07 PM, Alex wrote: >>>>>>> Taxed and Spent wrote: >>>>>>>> On 7/21/2017 6:57 PM, Alex wrote: >>>>>>>>> Taxed and Spent wrote: >>>>>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >>>>>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >>>>>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>>>>>> >>>>>>>>>>>>> You should move some, or all, to a Roth IRA so you can >>>>>>>>>>>>> collect the >>>>>>>>>>>>> money >>>>>>>>>>>>> tax-free at retirement time. >>>>>>>>>>>>> >>>>>>>>>>>> >>>>>>>>>>>> >>>>>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It >>>>>>>>>>>> may >>>>>>>>>>>> not >>>>>>>>>>>> make sense. >>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>>> I make no claim to knowing who retirement plans work in the US >>>>>>>>>>> but up >>>>>>>>>>> here a common vehicle is the Registered Retirement Savings Plan >>>>>>>>>>> (RRSP). >>>>>>>>>>> You can sock money away into them and each year you can deduct >>>>>>>>>>> that >>>>>>>>>>> amount from your taxable income... to a limit. It is a tax >>>>>>>>>>> deferral >>>>>>>>>>> system. You have to pay income tax on it when you draw it out. I >>>>>>>>>>> guess >>>>>>>>>>> the idea is that you sock that money away during good years, >>>>>>>>>>> the big >>>>>>>>>>> income days when you would be paying the higher tax rates. Then >>>>>>>>>>> you >>>>>>>>>>> start cashing them in after retirement when your income is >>>>>>>>>>> likely >>>>>>>>>>> to be >>>>>>>>>>> about half what it was when working. You then pay the income >>>>>>>>>>> tax >>>>>>>>>>> at a >>>>>>>>>>> lower rate. Some people try to make do on their pensions and >>>>>>>>>>> leave >>>>>>>>>>> the >>>>>>>>>>> money in RRSPs until they have to take them out or convert them >>>>>>>>>>> another >>>>>>>>>>> vehicle. Pity the heirs to estates of people who have lots of >>>>>>>>>>> money >>>>>>>>>>> tucked away in deferral plans and then die early so that they >>>>>>>>>>> are >>>>>>>>>>> all >>>>>>>>>>> cashed in the same year and pay even higher tax rates. >>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>> >>>>>>>>>> >>>>>>>>>> In the US, heirs can receive payouts over a number of years. With >>>>>>>>>> complex rules to determine the number of years, of course. >>>>>>>>>> >>>>>>>>> >>>>>>>>> That would depend on the language of the trust. Some have no >>>>>>>>> timeline. >>>>>>>>> What you are referring to is often the case for children so they >>>>>>>>> don't >>>>>>>>> blow it all at once. >>>>>>>>> >>>>>>>> >>>>>>>> I was referring to inherited retirement accounts. >>>>>>> >>>>>>> So was I. Depends on the language in the trust. >>>>>>> >>>>>> >>>>>> no it doesn't. >>>>> >>>>> Maybe you are thinking of a required minimum distribution. That >>>>> doesn't >>>>> limit what you can cash out, it tells you how much you have to cash >>>>> out: >>>>> >>>>> https://investor.vanguard.com/inherit/ira-rmd?lang=en >>>>> >>>> >>>> yes, RMD. And that has nothing to do with trust language. >>> >>> A trust can limit the access to anything in it. Many are set up so the >>> beneficiaries are unable to liquidate it all at once. >> >> Not in my case! I want all my housemates to know that in an emergency >> they >> CAN leave on short notice,. I'd prefer sooner notification but sometimes >> that's not possible. >> >> Remember this is primarily but not limited to students! >> >> John Kuthe... >> > > > OK, time for the nice fellows in the white coats to pay this guy a visit. > > == > > Why? He isn't a student and he lives there. > > > > He is including his student tenants in his estate planning? == I don't know, I just thought I had seen someone saying he only had students. -- http://www.helpforheroes.org.uk |
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to buy or not to buy a house
On Monday, July 24, 2017 at 10:14:19 PM UTC-10, Leonard Blaisdell wrote:
> In article >, > > wrote: > > > I am hopeful that his grass root support, who sincerely believed he > > could bring their jobs back, will be getting thin on the ground now as > > they watch him going for a massive great deal for himself and the > > Trump family in general and no jobs have arrived. > > I hate arguing with a woman whose led an "interesting life" that I > can't even imagine. I'm only seventy, and life has been easy for me. I > don't want life to get "interesting" for me now. > I believe that Donald Trump is doing his best to get this country back > on track after eight disastrous years of the most blatant, disingenuous > and corrupt governmental incompetence and criminality that I've seen in > my lifetime. The press showed its stripes as well during that sad time. > > It also appears that I'm far to the right of the party that I'm > supposed to belong to, but I can get over that. > Go Donald! You're not a Republican. You're an American. > > leo Somebody should educate our fearless leader about healthcare insurance. He believes that a young guy can buy it at $12 a year and when you're seventy or so you get to walk up and say with a proud smile "I want my insurance!" If you think this is a great plan then I'd say that Trump truly is your man.. |
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to buy or not to buy a house
John Kuthe wrote:
> On Tuesday, July 25, 2017 at 6:57:13 PM UTC-5, Alex wrote: >> Taxed and Spent wrote: >>> On 7/24/2017 5:25 PM, Alex wrote: >>>> Taxed and Spent wrote: >>>>> On 7/22/2017 7:07 PM, Alex wrote: >>>>>> Taxed and Spent wrote: >>>>>>> On 7/21/2017 6:57 PM, Alex wrote: >>>>>>>> Taxed and Spent wrote: >>>>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >>>>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >>>>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>>>>>>> You should move some, or all, to a Roth IRA so you can >>>>>>>>>>>> collect the >>>>>>>>>>>> money >>>>>>>>>>>> tax-free at retirement time. >>>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >>>>>>>>>>> not >>>>>>>>>>> make sense. >>>>>>>>>> >>>>>>>>>> I make no claim to knowing who retirement plans work in the US >>>>>>>>>> but up >>>>>>>>>> here a common vehicle is the Registered Retirement Savings Plan >>>>>>>>>> (RRSP). >>>>>>>>>> You can sock money away into them and each year you can deduct >>>>>>>>>> that >>>>>>>>>> amount from your taxable income... to a limit. It is a tax >>>>>>>>>> deferral >>>>>>>>>> system. You have to pay income tax on it when you draw it out. I >>>>>>>>>> guess >>>>>>>>>> the idea is that you sock that money away during good years, >>>>>>>>>> the big >>>>>>>>>> income days when you would be paying the higher tax rates. Then >>>>>>>>>> you >>>>>>>>>> start cashing them in after retirement when your income is likely >>>>>>>>>> to be >>>>>>>>>> about half what it was when working. You then pay the income tax >>>>>>>>>> at a >>>>>>>>>> lower rate. Some people try to make do on their pensions and >>>>>>>>>> leave >>>>>>>>>> the >>>>>>>>>> money in RRSPs until they have to take them out or convert them >>>>>>>>>> another >>>>>>>>>> vehicle. Pity the heirs to estates of people who have lots of >>>>>>>>>> money >>>>>>>>>> tucked away in deferral plans and then die early so that they are >>>>>>>>>> all >>>>>>>>>> cashed in the same year and pay even higher tax rates. >>>>>>>>>> >>>>>>>>>> >>>>>>>>> >>>>>>>>> In the US, heirs can receive payouts over a number of years. With >>>>>>>>> complex rules to determine the number of years, of course. >>>>>>>>> >>>>>>>> That would depend on the language of the trust. Some have no >>>>>>>> timeline. >>>>>>>> What you are referring to is often the case for children so they >>>>>>>> don't >>>>>>>> blow it all at once. >>>>>>>> >>>>>>> I was referring to inherited retirement accounts. >>>>>> So was I. Depends on the language in the trust. >>>>>> >>>>> no it doesn't. >>>> Maybe you are thinking of a required minimum distribution. That doesn't >>>> limit what you can cash out, it tells you how much you have to cash out: >>>> >>>> https://investor.vanguard.com/inherit/ira-rmd?lang=en >>>> >>> yes, RMD. And that has nothing to do with trust language. >> A trust can limit the access to anything in it. Many are set up so the >> beneficiaries are unable to liquidate it all at once. > Not in my case! I want all my housemates to know that in an emergency they CAN leave on short notice,. I'd prefer sooner notification but sometimes that's not possible. > > Remember this is primarily but not limited to students! > > John Kuthe... > What are you reading? |
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to buy or not to buy a house
On 7/26/2017 4:52 PM, Alex wrote:
> John Kuthe wrote: >> On Tuesday, July 25, 2017 at 6:57:13 PM UTC-5, Alex wrote: >>> Taxed and Spent wrote: >>>> On 7/24/2017 5:25 PM, Alex wrote: >>>>> Taxed and Spent wrote: >>>>>> On 7/22/2017 7:07 PM, Alex wrote: >>>>>>> Taxed and Spent wrote: >>>>>>>> On 7/21/2017 6:57 PM, Alex wrote: >>>>>>>>> Taxed and Spent wrote: >>>>>>>>>> On 7/21/2017 9:30 AM, Dave Smith wrote: >>>>>>>>>>> On 2017-07-20 8:03 PM, Taxed and Spent wrote: >>>>>>>>>>>> On 7/20/2017 4:13 PM, Alex wrote: >>>>>>>>>>>>> You should move some, or all, to a Roth IRA so you can >>>>>>>>>>>>> collect the >>>>>>>>>>>>> money >>>>>>>>>>>>> tax-free at retirement time. >>>>>>>>>>>>> >>>>>>>>>>>> >>>>>>>>>>>> Doesn't that require the payment of a bunch of taxes NOW? It may >>>>>>>>>>>> not >>>>>>>>>>>> make sense. >>>>>>>>>>> >>>>>>>>>>> I make no claim to knowing who retirement plans work in the US >>>>>>>>>>> but up >>>>>>>>>>> here a common vehicle is the Registered Retirement Savings Plan >>>>>>>>>>> (RRSP). >>>>>>>>>>> You can sock money away into them and each year you can deduct >>>>>>>>>>> that >>>>>>>>>>> amount from your taxable income... to a limit. It is a tax >>>>>>>>>>> deferral >>>>>>>>>>> system. You have to pay income tax on it when you draw it out. I >>>>>>>>>>> guess >>>>>>>>>>> the idea is that you sock that money away during good years, >>>>>>>>>>> the big >>>>>>>>>>> income days when you would be paying the higher tax rates. Then >>>>>>>>>>> you >>>>>>>>>>> start cashing them in after retirement when your income is likely >>>>>>>>>>> to be >>>>>>>>>>> about half what it was when working. You then pay the income tax >>>>>>>>>>> at a >>>>>>>>>>> lower rate. Some people try to make do on their pensions and >>>>>>>>>>> leave >>>>>>>>>>> the >>>>>>>>>>> money in RRSPs until they have to take them out or convert them >>>>>>>>>>> another >>>>>>>>>>> vehicle. Pity the heirs to estates of people who have lots of >>>>>>>>>>> money >>>>>>>>>>> tucked away in deferral plans and then die early so that they are >>>>>>>>>>> all >>>>>>>>>>> cashed in the same year and pay even higher tax rates. >>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>> >>>>>>>>>> In the US, heirs can receive payouts over a number of years. With >>>>>>>>>> complex rules to determine the number of years, of course. >>>>>>>>>> >>>>>>>>> That would depend on the language of the trust. Some have no >>>>>>>>> timeline. >>>>>>>>> What you are referring to is often the case for children so they >>>>>>>>> don't >>>>>>>>> blow it all at once. >>>>>>>>> >>>>>>>> I was referring to inherited retirement accounts. >>>>>>> So was I. Depends on the language in the trust. >>>>>>> >>>>>> no it doesn't. >>>>> Maybe you are thinking of a required minimum distribution. That doesn't >>>>> limit what you can cash out, it tells you how much you have to cash out: >>>>> >>>>> https://investor.vanguard.com/inherit/ira-rmd?lang=en >>>>> >>>> yes, RMD. And that has nothing to do with trust language. >>> A trust can limit the access to anything in it. Many are set up so the >>> beneficiaries are unable to liquidate it all at once. >> Not in my case! I want all my housemates to know that in an emergency they CAN leave on short notice,. I'd prefer sooner notification but sometimes that's not possible. >> >> Remember this is primarily but not limited to students! >> >> John Kuthe... >> > What are you reading? > You should give up. I have. |
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to buy or not to buy a house
On Wed, 26 Jul 2017 20:14:34 -0700 (PDT), dsi1 >
wrote: >On Wednesday, July 26, 2017 at 4:46:33 PM UTC-10, Wayne Boatwright wrote: >> On Wed 26 Jul 2017 05:06:29p, Taxed and Spent told us... >> >> > On 7/26/2017 4:52 PM, Alex wrote: >> >> John Kuthe wrote: >> >>> Remember this is primarily but not limited to students! >> >>> >> >>> John Kuthe... >> >>> >> >> What are you reading? >> >> >> > >> > You should give up. I have. >> > >> >> Everyone should give, then maybe he would shut up. There are very >> few topics I have read that have deserved this much coverage, and yet >> with nothing to be gained in the end. >> <snip Wayne's beast of a signature> >This is America, pal. Land of the free and home of the brave. Everybody has the right to put their thoughts out. What we don't need is bullies like you trying to suppress free speech. Have some self-respect and quit ganging up on posters you don't care for. Yoose guys should have left all that grade school behavior behind when you turned into bonafide adults. +1 |
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to buy or not to buy a house
On Wednesday, July 26, 2017 at 10:14:39 PM UTC-5, dsi1 wrote:
.... > This is America, pal. Land of the free and home of the brave. Everybody has the right to put their thoughts out. What we don't need is bullies like you trying to suppress free speech. Have some self-respect and quit ganging up on posters you don't care for. Yoose guys should have left all that grade school behavior behind when you turned into bonafide adults. Well said! Thank you!! :-) John Kuthe... |
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to buy or not to buy a house
On Friday, July 28, 2017 at 8:55:53 PM UTC-5, dsi1 wrote:
.... > > I'm not interested in putting words in your mouth. These are all my own words coming out of my mouth. I'm not understanding your words anyway. Your words seem oddly disconnected. Why is that? You get to have the last word on this. Last Worders! Yeah, I'm one! I remember in my heyday of Usenet I considered it owning a thread/victory if each and every terminal node was a post of mine!! John Kuthe... |
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to buy or not to buy a house
On Friday, July 28, 2017 at 7:56:38 PM UTC-10, John Kuthe wrote:
> On Friday, July 28, 2017 at 8:55:53 PM UTC-5, dsi1 wrote: > ... > > > > I'm not interested in putting words in your mouth. These are all my own words coming out of my mouth. I'm not understanding your words anyway. Your words seem oddly disconnected. Why is that? You get to have the last word on this. > > Last Worders! Yeah, I'm one! I remember in my heyday of Usenet I considered it owning a thread/victory if each and every terminal node was a post of mine!! > > John Kuthe... Well today could be your lucky day! |
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