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Addiction 2023.1

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Road Cycling It is by riding a bicycle that you learn the contours of a country best, since you have to sweat up the hills and coast down them. Thus you remember them as they actually are, while in a motor car only a high hill impresses you, and you have no such accurate remembrance of country you have driven through as you gain by riding a bicycle. -- Ernest Hemingway

Addiction 2023.1

Old 01-09-23, 03:31 PM
  #1126  
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Originally Posted by Trsnrtr
I never had a 401k but I had a 403b (gov't) which I converted to a self-directed IRA after I retired. Now, I've reached that magical age where I have to take minimum distributions.

Tip: don't tax defer your IRAs. I make 8x the amount that I made when I started making tax deferred deposits to my 403b. Uncle Sam will love me until my IRA peters out which I'll probably never empty.
I went pure Roth as soon as I was able. Very likely tax rates will be higher in the future.
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Old 01-09-23, 03:40 PM
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Happy new year. Did I miss anything important? American Football doesn't count as important.
I spent the holidays visiting family and then did an 7 day tramp (hike). We did 92km and 7,000m of climbing during the seven days.
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Old 01-09-23, 03:41 PM
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Roths are great if you qualify.

Never had a 401k. Always had to go the route of SARSEP, SEP IRA and Simple IRA. Some of that was good, some not so good.
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Old 01-09-23, 03:44 PM
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Originally Posted by Velo Vol
Went to the dentist. I need fillings.
When I was 27, my dentist told me that I would have false teeth by 45 if I didn't start paying attention to my teeth: regular check-ups, cleaning, flossing, etc. He told me that he would make a deal with me and only charge me 50% for fillings and crowns (I got 5 crowns that year) if I strictly adhered to a dental hygiene regimen. He kept up his end of the bargain, as did I until my teeth were deemed healthy. Then it was full price but I rarely needed work from then on.

They don't make dentists/doctors like that anymore. Everybody loved the guy, but alas, he finally retired and died several years ago. Long story short, I have all of my teeth to this day (71.5).

I imagine [MENTION=107711]datlas[/MENTION] to be one of those docs; a practitioner who would go beyond to help if needed.
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Old 01-09-23, 03:45 PM
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Originally Posted by gnome
Happy new year. Did I miss anything important? American Football doesn't count as important.
I spent the holidays visiting family and then did an 7 day tramp (hike). We did 92km and 7,000m of climbing during the seven days.
BAM had a baby. That's a great thing.

Kid's a week old and pining for a Dogma with full Super Record EPS Disc grouppo. BAM is clothing him in Rapha,
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Old 01-09-23, 03:45 PM
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Originally Posted by Trsnrtr
Tip: don't tax defer your IRAs.
Depends. Made sense for us.
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Old 01-09-23, 03:47 PM
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Originally Posted by Trsnrtr
When I was 27, my dentist told me that I would have false teeth by 45 if I didn't start paying attention to my teeth: regular check-ups, cleaning, flossing, etc. He told me that he would make a deal with me and only charge me 50% for fillings and crowns (I got 5 crowns that year) if I strictly adhered to a dental hygiene regimen. He kept up his end of the bargain, as did I until my teeth were deemed healthy. Then it was full price but I rarely needed work from then on.

They don't make dentists/doctors like that anymore. Everybody loved the guy, but alas, he finally retired and died several years ago. Long story short, I have all of my teeth to this day (71.5).

I imagine [MENTION=107711]datlas[/MENTION] to be one of those docs; a practitioner who would go beyond to help if needed.
Bad gums will quite literally kill you too.
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Old 01-09-23, 03:47 PM
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Originally Posted by Mojo31
BAM had a baby and got 2 more bikes.
fify
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Old 01-09-23, 03:51 PM
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Originally Posted by big john
fify
Thought I'd let BAM tell him about the important part.
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Old 01-09-23, 03:51 PM
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Originally Posted by Velo Vol
I wonder what's going on there? That's very much out of the norm for retail now, obviously.
Yes. I avoid retail as much as I can. Been burned a few times. I still own a couple (Costco and Casey's General Stores) but I've ****-canned the rest.
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Old 01-09-23, 03:52 PM
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Originally Posted by MoAlpha
Depends. Made sense for us.
They will probably make sense for most of us eventually.
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Old 01-09-23, 03:52 PM
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how does this routing look
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Old 01-09-23, 03:57 PM
  #1138  
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Originally Posted by Bah Humbug
I went pure Roth as soon as I was able. Very likely tax rates will be higher in the future.
My wife is pure Roth, too. When I retired from my government job and started working for a consulting firm I went Roth, too.
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Old 01-09-23, 04:07 PM
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Originally Posted by bampilot06

how does this routing look
That don't look right. Front brake housing is too short, and is pulling the caliper to the side. It's also not long enough to stay under the bar tape to its finishing point. The front brake housing should cross over (not under) the rear brake housing.
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Old 01-09-23, 04:08 PM
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Originally Posted by Eric F
That don't look right. Front brake housing is too short, and is pulling the caliper to the side. It's also not long enough to stay under the bar tape to its finishing point. The front brake housing should cross over (not under) the rear brake housing.

Thank you. Will adjust length. Hadnt torqued brake that why its side ways. Shifting looks okay?
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Old 01-09-23, 04:10 PM
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How bout this one? Threw the chain on and it shifted perfectly. Maybe the cable needs to be a little longer?
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Old 01-09-23, 04:14 PM
  #1142  
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Originally Posted by bampilot06
Thank you. Will adjust length. Hadnt torqued brake that why its side ways. Shifting looks okay?
When you center the caliper, the lack of length will become even a bigger issue than it already is.

Shifter cables look okay. You could probably get away with trimming a small amount, but they're fine where they are.

Before I cut cable lengths and cinch down anchor bolts, I turn my bars back and forth slowly, and observe how the housings are interacting with each other during the movement. You're trying to find a balance between as sort a run as possible, smooth curves, and a minimum of pushing/pulling on other cables.
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Old 01-09-23, 04:16 PM
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Originally Posted by bampilot06



How bout this one? Threw the chain on and it shifted perfectly. Maybe the cable needs to be a little longer?
Loop looks a little short. I wouldn't bother changing it if it's working well though.
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Old 01-09-23, 04:16 PM
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Originally Posted by Mojo31
Query - which is worse, a scolding on this forum or going to hell?
Well, I personally don't believe there is a hell, so scolding on this forum is about as bad as it gets.
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Old 01-09-23, 04:17 PM
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Originally Posted by bampilot06



How bout this one? Threw the chain on and it shifted perfectly. Maybe the cable needs to be a little longer?
It should be a tiny bit longer. You want the housing coming into the derailleur as straight (in line with the direction of cable pull) as possible. This length would probably work fine as is, but the way it's angled out of the end ferrule isn't ideal. This is probably a fraction of an inch too short.
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Old 01-09-23, 04:21 PM
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Originally Posted by datlas
Looks like you can buffer the losses but at the expense of sometimes buffering the gains. In the long run, probably still makes sense to ride out the ups/downs.

No thanks.
Two thoughts on stocks, from someone who has had to watch more than once as stock I had options on moved one way or another and I didn't, or couldn't, sell.
1) Never try to catch a falling knife.
2) If a stock you bought at $30 goes up, let's say to $50, and you don't sell till it drops back to $40, you DID NOT lose $10/share.
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Old 01-09-23, 04:23 PM
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Originally Posted by Velo Vol
No.

What you mean is that it's less freezing cold than normal.
38 is literally NOT freezing cold.

Unless you're talking Kelvin.
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Old 01-09-23, 04:24 PM
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Originally Posted by genejockey
38 is literally NOT freezing cold.

Unless you're talking Kelvin.
Anything below 60F is "freezing", if you listen to So Cal folks.
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Old 01-09-23, 04:26 PM
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Originally Posted by bampilot06





Which one?
Jesus! Just buy a Park cable cutter and be done with it!
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Old 01-09-23, 04:28 PM
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Originally Posted by LesterOfPuppets
Loop looks a little short. I wouldn't bother changing it if it's working well though.
What do you think, another 2 inches? I dont want problems later, and its rubbing the skewer.
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