Hornhead

I was just thinking recently how there might be a larger % of intra-division games and how a compressed season with fewer off days and greater potential for double-headers could favor a deep club like the Twins. Maybe enough to offset the greater potential for variability. More teams could also give the Twins a better chance to face a team besides the Yankees in round one. Let's get this started already!

Yeah, anticipating a decent drop tomorrow. Funds won't appear in my Roth IRA account until Monday so I'll need to figure out when to pull the trigger on selecting my investments. The virus scare may start to subside as China and Korea are on the road to recovery. Not a lot of rationality out there so hard to say what direction the market will go.

My plan will only let me covert my traditional 401K to a Roth IRA, which may be better than a Roth 401K anyway. Haven't heard much talk about converting to Roth but seems to make a ton of sense. Appreciate the positive feedback here as I get ready to make the move tomorrow. Also switched my furture contributions to a Roth 401K. Might as well try to made some lemonade. I also don't have to feel guilty about taking advantage of panicked sellers. Just shrinking the share of the pie going to Uncle Sam if all goes well.

A bit off topic but thought I'd throw an idea out there that might help some. Rather than buying individual stocks, I've been considering using that money to pay the tax on converting a portion of my traditional 401K to Roth 401K. Then when the market bounces back, all those gains will be tax free. Not all employers offer the Roth 401K and I still need to check if they allow a conversion, but this seems like a nice way to take advantage of current market conditions. Or if you've ever been waiting for a good time to start or contribute toward a Roth IRA, timing won't get much better. You can make your 2019 and 2020 contributions up until the tax filing deadline.