Bearcat_Scott

Scott Smith, engineer at Toyota, all about Cincinnati Bearcats and love of Cincy

[Samuel L. Jackson @SamuelLJackson]

Wishing You a Blessed Fourth 🙏🏾🇺🇸
Much Love, UNCLE SAM

[Kyle Bonn @the_bonnfire]

Absolutely INCREDIBLE moment after #Norway 3-2 #Senegal as Erling Haaland and the Norwegian players (plus coach Stale Solbakken) join the fans in a victory Viking Row on the MetLife Stadium pitch!!

[Zack Hedrick @zhedrickTV]

The USMNT is serenaded by the crowd in Seattle with John Denver's "Take Me Home, Country Roads" after their 2-0 win over Australia.

USA is on to the Round of 32.
📽️: @FOXSports

[FOX Sports @FOXSports]

The @USMNT faithful serenade their team with "Take Me Home, Country Roads" in Seattle 🇺🇸

[Bearcat_Scott @ScottBearcat]

@Skyline_Chili
You know what you have to do.

[Mountain Dew® @MountainDew]

🚨TOP 10 STATES THAT BUY THE MOST MOUNTAIN DEW ZERO🚨

10. Pennsylvania
9. Texas
8. Kentucky
7. Tennessee
6. Georgia
5. Indiana
4. Michigan
3. Florida
2. North Carolina
1. Ohio ❤️🤍

[Ari Meirov @MySportsUpdate]

Minnesota is considered the favorite to host the 2028 NFL Draft, and some believe Cincinnati has the inside track for the 2029 NFL Draft, per @SBJ.

The 2027 NFL Draft is set to take place in Washington, D.C. on the National Mall.

https://t.co/ffnrel10YY

[Ian Rapoport @RapSheet]

#Giants star Dexter Lawrence is being traded to the #Bengals in a pre-Draft blockbuster that includes the No. 10 pick heading to the Giants, per me and @MikeGarafolo.

NYG gets premium draft compensation, Cincy gets a lynchpin, while Sexy Dexy gets a new, big-money extension.

[Bearcat_Scott @ScottBearcat]

@Skyline_Chili , @BearcatJournal

[かみぱっぱ @kamipapa2]

アメリカではコカコーラとペプシコーラの2強だと思ってたんだが…意外と群雄割拠だな

[Bearcat_Scott @ScottBearcat]

@tdbearcat @victorialduke If this is real, then that is awesome!

[Arman Jovic @PDTScouting]

Cincinnati senior Baba Miller is having himself a stellar senior season and has been a massive part in Cincy's late season surge.

The 6'11 Spanish native is averaging 13.8 PPG, 10.2 RPG, 3.8 APG, 2.1 stocks while shooting 55.3% from the field

Has had draft hype for forever it feels, but this is the season where he's really shown that he can play at the next-level.

Has tremendous tools and athleticism, at his best in transition, has become an elite rebounder and no doubt a very fun defensive prospect.

[Bearcat_Scott @ScottBearcat]

@pauldehnerjr @CharlieG__ @GridironGrading I enjoy the work that @GridironGrading does and wish the Bengals chose BPA from their rankings.

[NBC Sports @NBCSports]

"Our country loves sports and it brings us together unlike anything else."

Mike Tirico wraps up a HISTORIC #WinterOlympics for Team USA. 🇺🇸

[NBC Olympics & Paralympics @NBCOlympics]

JACK HUGHES DELIVERS AMERICA'S GOLDEN MOMENT IN OVERTIME.

[Bearcat_Scott @ScottBearcat]

@Skyline_Chili People prefer Mountain Dew. Bring it back!!!

https://t.co/uJSBQtHVQ6

[Mountain Dew® @MountainDew]

🚨TOP 10 STATES THAT BUY THE MOST MOUNTAIN DEW🚨
10. Georgia
9. Pennsylvania
8. Wisconsin
7. Tennessee
6. Indiana
5. Florida
4. Kentucky
3. Michigan
2. North Carolina
1. OHIO 💚💚💚

[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)…

[Lisa Forte @LisaForteUK]

🤣🤣🤣

[Matt Norlander @MattNorlander]

"Who's protecting college basketball?"

I asked @dhurley15 this AM for a quote, re: CBB's in-season free agency trend. He sent back a voice memo tonight. I've transcribed it in full and am sharing b/c it needs to be read by every person who claims to care about college athletics.

[Mo Egger @MoEgger]

The game began with a pass where it looked like Sorsby locked into who he was throwing to without going through progressions.

It ended with the same kind of pass.

[Bearcat_Scott @ScottBearcat]

@John__Sheeran

[Bearcat_Scott @ScottBearcat]

@Skyline_Chili