Red Delicious apples... This is a misnomer. Red? Yes. Delicious? Certainly not. The name is deliberately deceptive. The first word gains your trust in the description of this apple. Anyone can clearly see the apple is red. So its only natural to assume that it must be as delicious as it is red. But the second word is a lie. Which means that this name was given, not by a Red Delicious apple grower seeking to increase his fortunes, but by a rival fruit. A entirely different class of fruit, not another variety of apple. This was done to draw attention away from apples altogether by the novice fruit-eater so that the offending fruit could increase his chances of being eaten. But why does it choose to be eaten? It must be a depressed, self-loathing fruit. A fruit who would wantonly trick the fruit neophyte into believing that if the Red Delicious is delicious by apple standards, then the Gala, McIntosh, Fiji, et al., must all be even less delicious. And its golden cousin, the Golden Delicious? Well, it certainly pleases the palate far better than that mealy Red husk of a fruit. But its not the gold standard (pun not intended) of apple colors.
Did you know that the Red Delicious amongst worm circles are actually known as "The Red Death" because so many troupes of worms have died due to malnutrition on a diet of aesthetically pleasing but entirely grotesque Red Delicious apple tree orchards? We need to stop the starvation of fruit worms, and return the hopes and dreams of fruit novices everywhere. We must rename the Red Delicious to something else. But what? Red Fiber Fruits. Red Crunchies - Sugar Free. Apple Yawns. Non-specific Tasteless Fruit. These are my ideas. I ask for yours.
Wednesday, November 01, 2006
Why a Roth?
I was looking into retirement savings options and a colleague suggested a Roth IRA. So I looked into it and found that it uses post-tax dollars instead of pre-tax. Why in the world would you want this? I see two obvious problems with this approach:
1) It assumes you will be in a higher tax bracket at the time of retirement than now. I assume this is possible, but I would think that for most people this would not be the case. After all, you're not actually working at this time in your life. That's why its called retirement. Not something else. Something that might suggest rolling in the dough. Like working. Although, I do that now and I am hardly rolling in any such dough.
2) Using post-tax dollars gives you less total capital to invest. It goes against the principals of maximizing earnings and profits using dollar-cost-averaging. Furthermore, it defies the ultimate rule of all investing: more is better. More, more, more, more!!!!
But once again, I call upon you, oh faithful blog readers (aka, Tina, Steve, and Jimmy) to fill me in on why someone might want to go with a Roth over a traditional IRA. I know this very question has been burning within each of you for as long as you can remember.
1) It assumes you will be in a higher tax bracket at the time of retirement than now. I assume this is possible, but I would think that for most people this would not be the case. After all, you're not actually working at this time in your life. That's why its called retirement. Not something else. Something that might suggest rolling in the dough. Like working. Although, I do that now and I am hardly rolling in any such dough.
2) Using post-tax dollars gives you less total capital to invest. It goes against the principals of maximizing earnings and profits using dollar-cost-averaging. Furthermore, it defies the ultimate rule of all investing: more is better. More, more, more, more!!!!
But once again, I call upon you, oh faithful blog readers (aka, Tina, Steve, and Jimmy) to fill me in on why someone might want to go with a Roth over a traditional IRA. I know this very question has been burning within each of you for as long as you can remember.
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