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One of the prettiest areas I have ever fished in my life.

Taxes and penalties

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Just to play devil's advocate, op is only "losing" the 10% penalty. The rest is taxes that he/she would have already had to pay.

Depends on OPs account and whether this is a traditional 401k or Roth 401k. The additional tax hit during working years from a traditional 401k is taxed at the marginal tax rate which may be higher than their tax rate in retirement.

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Yea, I was making the probable assumption that it was a traditional 401k, however if it was a Roth, then it would still just be the 10% penalty because you'd have already paid taxes (and pay any taxes on the gains)

I took it in my mid 30s having not had school for quite a while. What worked for me was using youtube, teaching concepts back to myself so that I understood them in my own way, and being really collaborative with my classmates. Good luck!

Haha, my wife took a picture of me like this as well

Nice blackguard tele too!

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Original Poster2 points · 28 days ago

*foreground, haha jk.

And thanks! I've had it for about a decade now and love it.

Nice. Considering a new one lists at about $900, that's not a bad deal.

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Original Poster2 points · 28 days ago

$500 out the door for my dream amp, I was super stoked I poked my head into the pawn shop this morning!

exactly! Ive been looking for one for quite a while now and this just kind of fell in my lap

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Be honest. Do you have a turntable and do you use the typewriter?

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Be honest, is it okay to like things for their aesthetics?

I never considered the fact that there is a Euro Aetos rod, seems like that is an amazing value! Now I'm eyeing the 3wt...

1.4k points · 1 month ago · edited 1 month ago

Must be the area...a pack of 5 green peppers for example here is almost $10. Bill for two is ~$100/week unless I want to eat nothing but rice and pasta. $2/lb chicken would be amazing!

edit: rip inbox

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My wife and I are in the same boat, we eat almost exclusively at home and always cook with fresh ingredients, our bill is typically between 80-100 a week. I don't get how you could do $50 for two people a week. We don't have an Aldi or Publix here in Denver though, so maybe that's it?

I will say, we started using the King Soopers app and loaded all of the coupons on there, it has brought our bill down ~$20 a week. I think shopping online has made us a bit more focused and deliberate.

Maybe I am overly conservative with my money, but really any old laptop will do. I would definitely never consider taking out any kind of loan to get an ipad or laptop.

I am using a macbook pro that I got a few years ago and it has served me really well

Everydollar really works well for my wife and me, I like the way it is laid out and the connectivity between accounts is nice.

For me personally, I don't think I'd really notice a huge difference between a 4 and a 3 wt. I think if I were in your shoes, I'd get a 5wt all arounder.

So close to being the beach boys board shirt!

I still can't get the hang of euro nymphing and I really want to! I guess I just need to keep at it.

5 points · 1 month ago

Wow. I don't think I would have thought that was a wallet if I saw it on the street. Probably would have ignored it as trash. Hope it makes it back to the owner!

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Holding up to the backhanded assholeness that r/Denver is infamous for!

This is hilarious, I basically took the same photo this morning at Bear Creek (Same net, same location, similar handling)! Link to pic here: http://tinypic.com/r/hun4hh/9

First thing's first, I hope your resume is entitled, "Trick Daddy, RN".

I think it all depends on the market you are applying to. Here in Denver, you need a BSN or an "in". I am in a dual enrollment program like yourself, but have also worked for my hospital for 6 years, so I have a very high likelihood of getting a job with my ADN (I will have to sign a contract committing to getting my BSN within 5 years)

Comment deleted1 month ago

Yea, definitely not Savile Row, since it is an American company, but still very high end (ie President Obama wore Oxxford)

Also, I wouldn't personally make this into an issue, but it is actually illegal for a nurse or preceptor to go in before you and disclose your sex. They are able to ask if it is okay to have a student, but not a male student...At least in Colorado!

I just finished my OB clinical in the spring AND I worked as a unit sec in L&D for 3 years. In my experience, the families and RNs really didn't have a problem with me being a male. Just be sensitive and helpful and it will all work out.

3 points · 2 months ago

Go ask the folks at South Platte Fly Shop in Woodland Park or Michele at Tumbling Trout right in Lake George and buy the flies while you’re there - good people at each place and they post the flows from various water around the area. It changes constantly anyway...

https://southplatteflyshop.com http://www.tumblingtrout.com

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I can vouch for Tumbling Trout. She was so insanely nice. She had me bring in my fly box and make sure I wasn't buying any un-needed flies and was super generous with her knowledge.

Original Poster2 points · 2 months ago

Dividend yield of the S+P is not 5%. Currently it's yielding 1.82%.

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I am no expert on investing, but comparing dividend yields to growth seems like comparing apples to oranges. If a stock pays 1.82% in dividends, and it grows 4.8% (the amount that S&P grew YTD), then your total profit on the investment would be 6.62%

Original Poster1 point · 2 months ago

No one is comparing growth to anything, it's yield to yield.

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comparing the dividend yield of an ETF to the interest growth of a savings account IS comparing growth to dividends...

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My wife and I have stayed at the Avalanche Ranch outside of Redstone, CO and had an absolute blast, can't recommend them enough. The Crystal, Roaring Fork, Gunnison, and Frying Pan are all close.

I love fishing the BC up near Nederland. Pretty fish!

u/joshmickelson
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