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Yeah, we need more semis hitting the intersection just as the family of 4 runs the red light.

I wonder how many got away because they'd used a Red Light Camera Defense?

Rob, do you have a copy of the original will making you executor? If so, hang onto it. If the new will was not executed properly, the old one is still in force and you could still be the executor. I believe that as an heir you have a right to see the will. You might want to talk to your mother...

Go here for directions on how to make it for $12.00: PCV Jar Directions

Pablo, from the scenarios I ran in an Excel spreadsheet I came to the following conclusions (as stated in a post above): The Roth was the winner when the post-retirement tax rate was higher than the pre-retirement tax rate. If the tax rates were the same, I would have the same amount of money...

No, that is not the only difference. With the Traditional I would have 40% MORE money in the account. If the Roth was 500,000 the Traditional would have approximately 700,000. If I die, my heirs get the 700K, not 500K.

In my example I presume I have $3,000 to invest each year, period. I can put it in a Traditional and pay no income tax on it (I either pay it up front and get it back with my refund check or change my W-4 so less $$ is withheld to begin with). With the Roth, I have less to invest because I MUST...

I made up an Excel Spreadsheet and ran a few scenarios. Assuming: 1. I only have $3000 to put in including taxes (All $3000 goes into the Traditional, for the Roth, the taxes get paid before contribution out of the $3000). 2. I start contributing when I'm 18. 3. I start withdrawing when I'm...

When you say payroll taxes, do you mean FICA and Medicare, or income? Yes, the FICA and Medicare will be taken out for the traditional, but it will on the Roth too, won't it? Income tax on the traditional will come back to you when you file your tax return because the contribution to the IRA is...

AMEN! Take slavery and segregation, for example. And just because a law makes something illegal doesn't mean the law is right. We have a highway here in town that's 8 lanes wide. Some moronic traffic engineer decided that the speed limit should be 45 MPH. Now the traffic cops are bitching to the...

No, it doesn't work well, but it does work to some extent. Every time I see a police car on the road I notice the speeders slowing down to his speed. Also, when the speeders see a police car at the side of the road, they slow to the limit. Better than nothing. There's a small town nearby that...

True. It's called selective enforcement. There is no way the small number of officers could stop every violator out there, so they have to pick and choose. The idea is that their presence on the streets and issuance of a few tickets will have a deterrent effect on other drivers who might...

This place has a cover and several sprays available for your plate, some as low as $12: Red Light Camera Defenses

Shop around for a HELOC (Home Equity Line Of Credit). With some of them the finance company will absorb all of the charges of setting up the loan and you only use the amount of $$ you need, as you need it. You just write checks against the HELOC and start paying payments on the amount you've...

True. Or, they could just make our tax-free Roth IRAs taxable.

OK, I think I follow you on that. What did you do with the Roth? Just take $3000 and grow it 10% each year? $3,000 + 300 = $3,300 at the end of year one, etc? Then, at the end of the scenario, apply the new tax bracket to the traditional total only? And the Roth still came out ahead? I...

How did you figure the tax savings on the traditional? Add an additional amount to that account each year? Remember, with the Roth you have to have an additional amount of cash now to pay the taxes on the amount you are depositing. So it's not a realistic comparison if you put the same amount...

If you keep the Roth for 5 years you pay NO TAX of any kind on the $$.

I just got back from a pre-retirement seminar put on by a local public employer. The instructor stated that for us it is better to keep the $$ in our 457 plan (what we have instead of the 401) because we are eligible to take money out beginning at age 55 without penalty instead of 59 1/2 with...

How will you know that the pressure drop you are seeing on the gauges is the drop across the media, and therefore that the bypass is opening? Couldn't some of the drop be due to hoses, ADBVs, holes in castings, etc?