Au Guru

Salmon fisherman, golfer, foodie

[Au Guru @Scott80126]

@Daytobehappy @FLOTUS Cross my heart. Never once.

[Au Guru @Scott80126]

Incredible.

[יוסי שחבר @yosishahbar]

ביקור החסידה.🇺🇸
הB2 לא יכול לנחות על נושאת
המטוסים בשל גודלו...
אבל, לבקר ולברך את החבר'ה
הוא יכול.

מטוס חמקן B-2 מבצע יעף מעל נושאת מטוסים אמריקאית במפרץ הפרסי כדי להגביר את מורל החיילים 💪

🇺🇸Stork visit.
The B2 can't land on an aircraft carrier due to its size...But, to visit and greet the guys it can.

A B-2 stealth bomber will fly over a US aircraft carrier in the Persian Gulf to boost the morale of the troops 💪

[Au Guru @Scott80126]

@lamps_apple Bravo

[Au Guru @Scott80126]

The King of Word Salad wanting China and Canada to govern world trade.

[Open Source Intel @Osint613]

Reporter: What did you mean by the new world order?

Carney: The architecture, the multilateral system is being eroded, undercut. The question is what gets built in its place...

[Au Guru @Scott80126]

Canada is lost

[Bruce McGonigal @bruce_mcgonigal]

🇨🇳🇷🇺🇨🇦🇺🇦 : Industry Minister Mélanie Joly announces Canada & China are now in a new era of partnership.

🇺🇦 This despite China being the #1 ally to Russia, in their war in Ukraine. Canadian taxpayers have given $25 billion in aid to Ukraine. Citing the need to protect Ukraine as vital to the protection of Canada.

🕵️When pressed about the CCP spying on Canadian companies & journalists, Mélanie Joly downplays the extent to which China not only spies on Canadian companies, but steals critical proprietary technology.

🇨🇳 This presser was full of MoU promises to get Canada to NET ZERO, by bringing Chinese "green energy" products to Canada.

[Mark Cecchini, CFP® @markcecchini]

COMMANDER: We’re fighting for freedom. And part of that freedom… is the freedom to retire with dignity. So we’re going to start accounts called 401(k)s.

SOLDIER 1: What’s a 401(k)?

COMMANDER: It’s a retirement account. You put money in, it grows tax-free, you take it out when you’re old.

SOLDIER 2: So I don’t pay taxes on it?

COMMANDER: Well, you pay taxes later. When you withdraw.

SOLDIER 2: So it’s not tax-free.

COMMANDER: It’s…tax-deferred.

SOLDIER 2: What’s the difference?

COMMANDER: You pay taxes later instead of now.

SOLDIER 1: What if I want to pay taxes now?

COMMANDER: Then you do a Roth 401(k).

SOLDIER 3: What’s a Roth?

COMMANDER: You pay taxes now, and it grows tax-free.

SOLDIER 2: That’s what I thought the first one was.

COMMANDER: No, the first one you pay taxes later.

SOLDIER 1: Which one’s better?

COMMANDER: Depends on your tax bracket in retirement.

SOLDIER 1: …How would I…know that?

COMMANDER: You don’t. You just guess.

⸻

SOLDIER 4: What if I don’t have a 401(k) through my employer?

COMMANDER: Then you open an IRA.

SOLDIER 4: What’s the difference?

COMMANDER: One’s through your job, one’s on your own.

SOLDIER 4: Can I have both?

COMMANDER: Yes.

SOLDIER 4: Should I?

COMMANDER: Maybe.

SOLDIER 3: Can I do a Roth IRA?

COMMANDER: Only if you make under a certain amount.

SOLDIER 3: What’s the limit?

COMMANDER: Changes every year.

SOLDIER 2: What if I make too much?

COMMANDER: Then you do a backdoor Roth by putting it in a Traditonal first.

SOLDIER 2: …Is that legal?

COMMANDER: Surprisingly, yes.

SOLDIER 1: What’s a backdoor Roth?

COMMANDER: You contribute to a traditional IRA, then convert it to a Roth…but watch out for “pro rata”.

SOLDIER 1: Why wouldn’t I just contribute to the Roth directly?

COMMANDER: Because you make too much money.

SOLDIER 1: But this way I can?

COMMANDER: Yes.

SOLDIER 1: That feels like a loophole.

COMMANDER: It is. But the IRS is cool with it.

⸻

SOLDIER 5: I just changed battalions. What do I do with my old 401(k)?

COMMANDER: You roll it over.

SOLDIER 5: Into what?

COMMANDER: An IRA. Or your new 401(k). Depends.

SOLDIER 5: On what?

COMMANDER: The funds. The fees. Whether your new plan accepts rollovers.

SOLDIER 5: What if I just take the money out?

COMMANDER: You’ll pay taxes plus a 10% penalty.

SOLDIER 5: What if I’m 59?

COMMANDER: Penalty.

SOLDIER 5: 59 and a half?

COMMANDER: No penalty.

SOLDIER 5: …The half matters?

COMMANDER: The half matters.

⸻

SOLDIER 3: What’s a mega backdoor Roth?

COMMANDER: Okay. So. Your 401(k) has a limit of how much you can contribute.

SOLDIER 3: Right.

COMMANDER: But the total limit including employer contributions is higher.

SOLDIER 3: Okay…

COMMANDER: So if your plan allows ~after-tax~ contributions, you can put in more, then convert that to Roth.

SOLDIER 3: Does my plan allow that?

COMMANDER: I don’t know. You have to ask Betsy.

SOLDIER 3: Will Betsy know?

COMMANDER: Probably not.

⸻

SOLDIER 2: Can I deduct my IRA contribution on my taxes?

COMMANDER: Are you covered by a retirement plan at work?

SOLDIER 2: Yes.

COMMANDER: Then only if you make under a certain amount per year.

SOLDIER 2: What’s the amount?

COMMANDER: Depends if you’re married.

SOLDIER 2: What if my wife has a plan but I don’t?

COMMANDER: Different limit.

SOLDIER 2: What if neither of us has a plan?

COMMANDER: Full deduction.

SOLDIER 2: So it’s better to not have a 401(k)?

COMMANDER: No…

⸻

SOLDIER 1: Can I just keep my money in a sock?

COMMANDER: You could. But inflation will slowly destroy it.

SOLDIER 1: What’s inflation?

COMMANDER: (sighs)…

[Robby Starbuck @robbystarbuck]

In less than 1 year Democrats got a subset of left wing women to support or defend: Tren De Aragua, Somali fraud, MS-13, communism, running over law enforcement, Antifa, Maduro, Hamas, Sharia law, assassinations & sex changes for kids. Evil but impressive psychological operation.

[Au Guru @Scott80126]

@VintageRockN_85 Been there. Done that. My Brian melted.

[Walter Kirn @walterkirn]

If you don't want facts to complicate your opinions on Venezuela, you might want to avoid reading this.

But if you form your opinion after learning the facts, you must read this.

[Au Guru @Scott80126]

@EndWokeness Who is John Galt?

[Au Guru @Scott80126]

🔥🔥

[Brandon @LibOrNormal]

The Devil Went Down To Georgia!

Straight 🔥!

[Au Guru @Scott80126]

@RealJamesWoods I am here man.

[Au Guru @Scott80126]

@GovofCO Adios Kyle you arrogant snob!

[Au Guru @Scott80126]

@DefiantLs https://t.co/pohfvFIOVa

[Au Guru @Scott80126]

@GuntherEagleman 👍🏻

[Au Guru @Scott80126]

@GovofCO The ratio! lol. I’ll take the under on your predictions commie. Winning!

[Au Guru @Scott80126]

@realJoshSalem I most certainly do. We just don’t go anymore.

[Au Guru @Scott80126]

@FoodPornPhotos Tabasco

[Au Guru @Scott80126]

Is nutjob a word?

[Resist the Mainstream @ResisttheMS]

DISCUSSION: Describe Senator Cory Booker in one word.

[Au Guru @Scott80126]

@EricLDaugh I’ll take “Things that never happened for 1000” Alex