What is this
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Dish or clothes drying rack, depending on size, is my guess. Possibly a pan rack but I doubt it?
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Oh shit you genius
Thank you! I have no idea how the heck I acquired this
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I had a mini one that came with a countertop oven 
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Oh, I thought it was a roasting rack (based on direction of the slots).
My sense of scale on it was way off.
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Ha! It happens.
Hi frens, can you please let me know if this sounds correct?
Facts: I have an old 401(k) I want to roll into a Roth IRA. I do not currently have a Roth IRA, but I do have a Traditional IRA.
What I was told: I was told that I cannot roll money from my 401(k) into a Roth directly, but that instead I have to roll it into my Traditional and then do a Roth conversion.
Is this accurate? What can I expect? Like, I assume I’ll be paying taxes on this immediately? Any info is appreciated and plz ELI5 bc I went to art school.
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I have no help, but this made me laugh because same.
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As I understand it, you are correct. You must roll a traditional into a traditional, then you can convert. Most people don’t convert the full amount all in one year because if the balance is large enough, it can bump you into a higher bracket. If the balance isn’t especially high (relative to your income I suppose), then that might not bother you. And then yes, you would pay taxes on it (not immediately, but when you do your taxes at the end of the year). What I do know about this process is that you should keep thorough records, such as exactly the amount that gets rolled, exactly the amount that gets converted and on what dates, and exactly the amount that rolls in.* **
*These amounts can be slightly different because of market fluctuations on the days you do these things.
**I am not an expert by any means. But I do really like this article discussing the ladder concept. I think he breaks it down really well. https://rootofgood.com/roth-ira-conversion-ladder-early-retirement/
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You can have a traditional 401(k) and a Roth 401(k), you can move t401(k) to tIRA and r401(k) to rIRA.
And by you I mean me cause that’s what I had to do this year, I had both types of contributions to my 401(k) because of taxable income reasons. I don’t know about conversions though.
#LibArtsReprezent
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Thanks all! @rocklobster that article was really helpful. It looks like I don’t even need to worry about doing this yet as we are more than 10 years away from ER, I’m going to just slam everything into my tIRA now and then open a separate rIRA and fund that with new money, and if I need to do the ladder I’ll do that when DH is 5 years out from not working. Does this generally make sense?
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Yes, that’s what I was going to recommend!
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Ok, great! Thank you!
I honestly haven’t looked in a while. Can anyone give me a TLDR with how the rest of the world is doing with covid right now? In particular:
Australia
Brazil
Russia
South Africa
South Korea
China
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You know how a lot of dressier women’s shirts and dresses come with those big satin loops on the shoulders? I think their intended purpose is to hook around hangers so they don’t fall down—at least, that’s how I use them.
Anyway, my question is: how do you deal with them when wearing the garment? They always come untucked.
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Double sided clothing tape… But tbh I’ve often cut them off since they are so annoying. Since getting the felt covered hangers, garments don’t slip off as easily so I seem to have less of a need for the loops. I can also kind of bunch up or position the shirt or dress to not get dents from the hangers if I’m hanging a garment of wet from the wash. I straighten it out after it dries and then no shoulder arm dents.
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Cut them off.
I should add, though, that we have the felt hangers.
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