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Time for a Real Discussion About Caitlin Clark
Coverage won't die down until 1: Murph runs out of viagra or 2: Football season starts Whichever happens first. H- cyphoon
- Post #6,901
- Forum: In-State Rivals
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Retirement Targets
vti == total stock market index ~= vtsax mutual fund vug = growth index ~= vigax mutual fund Those are two of ones I was referring to where it doesn't matter much whether you pick the etf or the mutual fund. They have similar expenses and track the same underlying index, so they will perform... -
Retirement Targets
My preference is to invest in a traditional 401k in an effort to punch my way down out of the 22% tax bracket, and then invest in a Roth IRA. This way, the roth contribution is taxed at the next bracket down (12%). I live in Iowa, which is kind of a high tax state, so this shields me a bit there... -
Retirement Targets
Most Vanguard ETFs have an equivalent mutual fund with nearly identical expenses. Doesn't matter much whether you pick the ETF or the fund. Funds may have initial minimums to get started, whereas the ETFs usually dont, but the ETFs tend to trade as shares vs dollar amounts, which can be a bit... -
Retirement Targets
Are you self employed by chance (1099 instead of W-2)? If so, look into opening a solo 401k or sepira. The SEP is easier to open, but you can contribute more to a solo 401k. You can shield a huge chunk of money from taxation with both. Otherwise, I agree with most of the others: 3-6 months of... -
Retirement Targets
VUSXX treasury money market: Currently yielding 5.27% w/ some state tax benefits Ladder of 12 month CDs : ~5.5% Vanguard settlement == VMFXX : currently yielding 5.26%, so that is a solid choice as well. The treasury fund has slightly better tax breaks. I used to have an Ally account, but the... -
Roth IRA Withdrawl Question
Beware that there is a 5 year rule on withdrawing Roth money that was converted from a traditional IRA. You don't have to worry about this if all your contributions were normal contributions If interest rates were still down by 3 pct, I would go the HELOC route. But in our current state... -
F*CK IOWA
My son went to Iowa his freshmen year. The initiation t-shirt that they gave to every incoming student referenced Ames. They claim we are not their main rival, yet they mention Iowa State the first day a student steps on campus, and their last day at the graduation ceremony. Their fascination...- cyphoon
- Post #2,325
- Forum: In-State Rivals
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Golf Destinations
Forget summer. Maui in January. When I took this pic, it was -10 in central Iowa. H -
Ever score on an insurance company?
Answer: No. But I did date an actuary once. A bit on the frigid side to be honest. H -
What Iowa State players have a chance of being drafted in the next few years?
Freyler, Cooper, and JJ Kohl. H -
T.J. Tampa projected as first round pick going into NFL Combine
Given the ineptitude of their offense, punting is a top priority for the bears. H -
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Financial Aid Advice
I think this approach makes a ton of sense, but beware of university scholarships that require enrolling in the fall after HS graduation. H -
Financial Aid Advice
I went to NIACC in Mason City in the 90's. All of my STEM teachers were old gray hairs. I think most had masters degrees, but I don't really remember. Not sure what it is like there today. H -
Home Insecticide
The label for Tempo SC (beta-cyfluthrin) states : "Do not apply to any food crop" Consider zeta-cypermethrin based products for your berries. It is a pyrethroid like Tempo, but it breaks down in sunlight and has a very low pre-harvest interval for most crops. H -
Financial Aid Advice
I graduated in 4 years flat with a EE that started at a CC. The biggest impediment was ISU's system for getting into a class, and the sequence of prerequisites for the upper classes. Honestly, I think my foundation was superior to my ISU peers when I got there. Taking calc with 200 peers and a... -
Financial Aid Advice
I went to a CC before transferring to Iowa State, and it was one of the best decisions I have ever made. The pre-engineering program at the CC was setup by Iowa State, so I knew everything would transfer cleanly. On top of being affordable, I think it was a better education. Calculus in a... -
KXNO Sports Fanatics
April 11 == April 1 on steroids H- cyphoon
- Post #3,310
- Forum: General College Sports
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KXNO Sports Fanatics
No we don't. It's Jeff Grayer. End of discussion. H- cyphoon
- Post #3,290
- Forum: General College Sports