Comments on: Free eBook! The Get Rich Slowly Guide to Roth IRAs http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/ Common sense advice on money saving tips, how to get out of debt, high interest savings accounts, cd rates, money market accounts, mortgage rates, money management and more. Wed, 19 Jun 2013 21:32:00 +0000 hourly 1 http://wordpress.org/?v=3.0.1 By: Long Beach Federal Credit Union http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-3296865 Long Beach Federal Credit Union Tue, 12 Mar 2013 00:12:04 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-3296865 Thanks for finally talking about > Free eBook! The Get Rich Slowly Guide to Roth IRAs < Liked it! Thanks for finally talking about > Free eBook!
The Get Rich Slowly Guide to Roth IRAs < Liked it!

loading....

]]> By: Steve http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198899 Steve Tue, 22 Sep 2009 22:47:04 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198899 It's possible I had some kind of promo code that I don't remember, but I've never been charged any kind of custodial fee for my ShareBuilder IRA or my ING IRA savings account. ShareBuilder says on the FAQ: <blockquote>ShareBuilder has no annual administration charges for Individual Retirement Accounts (IRAs).</blockquote> I can't find a similar statement at INGDirect, but I'd be surprised if there really were a fee. It's probably worth pointing out that ShareBuilder's selection of funds is probably bigger now than when you wrote this, too. They've recently added lots of funds from Vanguard, Fidelity, T. Rowe Price, and a few more big names. It’s possible I had some kind of promo code that I don’t remember, but I’ve never been charged any kind of custodial fee for my ShareBuilder IRA or my ING IRA savings account. ShareBuilder says on the FAQ:

ShareBuilder has no annual administration charges for Individual Retirement Accounts (IRAs).

I can’t find a similar statement at INGDirect, but I’d be surprised if there really were a fee.

It’s probably worth pointing out that ShareBuilder’s selection of funds is probably bigger now than when you wrote this, too. They’ve recently added lots of funds from Vanguard, Fidelity, T. Rowe Price, and a few more big names.

loading....

]]> By: daniel http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198867 daniel Tue, 22 Sep 2009 18:13:45 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198867 if i'm self employed, what are the pros/cons of a Roth IRA vs a SEP IRA? if i’m self employed, what are the pros/cons of a Roth IRA vs a SEP IRA?

loading....

]]> By: Ryno http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198851 Ryno Tue, 22 Sep 2009 16:09:46 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198851 Thanks JD! I really want to read this on my Kindle, can you self publish this on the Kindle? I believe it is free to do so. https://dtp.amazon.com/ Thanks JD! I really want to read this on my Kindle, can you self publish this on the Kindle? I believe it is free to do so.

https://dtp.amazon.com/

loading....

]]> By: Steve http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198769 Steve Mon, 21 Sep 2009 21:28:02 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198769 Thanks for offering this! Definitely a knowledge weak-point of mine... I'm looking forward to reading this tonight. Thanks for offering this! Definitely a knowledge weak-point of mine… I’m looking forward to reading this tonight.

loading....

]]> By: Britt (Your Roth IRA) http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198752 Britt (Your Roth IRA) Mon, 21 Sep 2009 19:18:20 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198752 Excellent! Thank you for making this available for free. I'll have to review it for my readers! Excellent! Thank you for making this available for free. I’ll have to review it for my readers!

loading....

]]> By: Jeff R. http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198751 Jeff R. Mon, 21 Sep 2009 19:17:56 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198751 @Pamela - If you are single and your modified adjusted gross income is than $105,000, you can contribute fully to a Roth IRA. If your income is between $105,00 and $120,000, the amount you can contribute is limited. If you make more than $120,000, you are are not allowed to contribute at all. In that case, you can still contribute to a Traditional IRA (although you won't get the tax benefit of the contribution), or a 401(k) Thanks, Jeff @Pamela – If you are single and your modified adjusted gross income is than $105,000, you can contribute fully to a Roth IRA. If your income is between $105,00 and $120,000, the amount you can contribute is limited.

If you make more than $120,000, you are are not allowed to contribute at all. In that case, you can still contribute to a Traditional IRA (although you won’t get the tax benefit of the contribution), or a 401(k)

Thanks,
Jeff

loading....

]]> By: Wilsaw http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198748 Wilsaw Mon, 21 Sep 2009 19:00:32 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198748 Good question, Pamela, about making too much for the Roth IRA. My wife and I are in the same situation and our CPA, as well as our financial advisor have told us to do basically what you said, max out our 401k's and forget about the Roth. There is now, I believe, a sneaky way to fund a regular IRA and then once a year convert it to a Roth, but it seemed like a lot of work so we've just avoided it. There are a bunch of ways that people like us, who make slightly more than these arbitrary salary limits, but who are far from well off, really get shafted.... and yes I'm talking about you, AMT. Good question, Pamela, about making too much for the Roth IRA. My wife and I are in the same situation and our CPA, as well as our financial advisor have told us to do basically what you said, max out our 401k’s and forget about the Roth. There is now, I believe, a sneaky way to fund a regular IRA and then once a year convert it to a Roth, but it seemed like a lot of work so we’ve just avoided it. There are a bunch of ways that people like us, who make slightly more than these arbitrary salary limits, but who are far from well off, really get shafted…. and yes I’m talking about you, AMT.

loading....

]]> By: Jamie http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198747 Jamie Mon, 21 Sep 2009 18:56:00 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198747 Congrats on getting picked up on lifehacker. Congrats on getting picked up on lifehacker.

loading....

]]> By: David@DINKS Finance http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198717 David@DINKS Finance Mon, 21 Sep 2009 15:28:06 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198717 Well, this is definitely something I will have to take a look at. I usually can fake my way through and make myself "sound" like I know what I'm talking about whenever Roth IRA's come up, but this book might make me a little more legit ;) Well, this is definitely something I will have to take a look at. I usually can fake my way through and make myself “sound” like I know what I’m talking about whenever Roth IRA’s come up, but this book might make me a little more legit ;)

loading....

]]> By: Pamela http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198698 Pamela Mon, 21 Sep 2009 13:21:58 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198698 I've been hearing so much about the Roth IRAs, but I make more than the limit. I know there are "restrictions", but do those restrictions mean that people who make more than $100K can't (or shouldn't) open a Roth IRA? Should we just max out our 401K and forget about the Roth? Thanks! Pamela I’ve been hearing so much about the Roth IRAs, but I make more than the limit. I know there are “restrictions”, but do those restrictions mean that people who make more than $100K can’t (or shouldn’t) open a Roth IRA? Should we just max out our 401K and forget about the Roth?

Thanks!

Pamela

loading....

]]> By: Little House http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198646 Little House Sun, 20 Sep 2009 23:58:16 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198646 Thanks so much for the e-book. I keep putting this off, and just told myself in my 'goals' list for next year to begin a Roth IRA. Now, I'm realizing I need to start now and save at least $1,000 a month since I started so late! And this is if I want half the amount of your final value. thanks again for this great tool- Little House Thanks so much for the e-book. I keep putting this off, and just told myself in my ‘goals’ list for next year to begin a Roth IRA. Now, I’m realizing I need to start now and save at least $1,000 a month since I started so late! And this is if I want half the amount of your final value.

thanks again for this great tool-
Little House

loading....

]]> By: Sasha http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198644 Sasha Sun, 20 Sep 2009 23:00:43 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198644 Thanks for this e-book. I have about 3 or 4 e-books on financial education. I am happy to add this one to my collection. Happy the glitches are all worked out. :-D Thanks for this e-book. I have about 3 or 4 e-books on financial education. I am happy to add this one to my collection. Happy the glitches are all worked out. :-D

loading....

]]> By: Angarreq http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198634 Angarreq Sun, 20 Sep 2009 21:28:47 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198634 Thanks JD - I saved this and emailed it to my brother who is a junior in college at the moment. Thanks JD – I saved this and emailed it to my brother who is a junior in college at the moment.

loading....

]]> By: Heather http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198632 Heather Sun, 20 Sep 2009 20:15:42 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198632 Thank you!!! I'm excited about thoroughly reading it, but your illustration about Britney stresses me out because I'm 26, haven't started saving anything for retirement yet, but can't afford to right now because we have 40k in student loan debt and the minimum payments are KILLING us! Boy do I wish I had been saving in my early 20's when I had some disposable income and did nothing but dispose of it. oh well, I have a fire lit under my tail now. Thank you!!! I’m excited about thoroughly reading it, but your illustration about Britney stresses me out because I’m 26, haven’t started saving anything for retirement yet, but can’t afford to right now because we have 40k in student loan debt and the minimum payments are KILLING us! Boy do I wish I had been saving in my early 20′s when I had some disposable income and did nothing but dispose of it. oh well, I have a fire lit under my tail now.

loading....

]]> By: seawallrunner http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198631 seawallrunner Sun, 20 Sep 2009 20:10:45 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198631 I just want to say thanks JD for your excellent blog, and for the quality of your postings, guest articles and resources. I've been reading your blog since the summer of 2006 and find it an invaluable resource which keeps me on track with my financial goals, when I was in debt back then, and now that I am not anymore - and building my future. I just want to say thanks JD for your excellent blog, and for the quality of your postings, guest articles and resources.

I’ve been reading your blog since the summer of 2006 and find it an invaluable resource which keeps me on track with my financial goals, when I was in debt back then, and now that I am not anymore – and building my future.

loading....

]]> By: Brenda http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198629 Brenda Sun, 20 Sep 2009 19:52:20 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198629 Awesome! Thanks, JD, for the free book. Just downloaded it, and got to take a peek. Looks informative! Will be reading it later today. Awesome! Thanks, JD, for the free book. Just downloaded it, and got to take a peek. Looks informative! Will be reading it later today.

loading....

]]> By: J.D. http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198618 J.D. Sun, 20 Sep 2009 17:52:41 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198618 Okay, the earlier glitches seem to have been remedied. <i>Whew!</i> I've removed all of our earlier comments about how things were broken because they'll just look like noise to new visitors. :) Thanks to everyone who alerted me to the problem. Okay, the earlier glitches seem to have been remedied. Whew! I’ve removed all of our earlier comments about how things were broken because they’ll just look like noise to new visitors. :)

Thanks to everyone who alerted me to the problem.

loading....

]]> By: Jacob Allred http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198610 Jacob Allred Sun, 20 Sep 2009 16:36:23 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198610 <div class="greatcomment"> Your information on Zecco is out-of-date. They require $25,000 before you get *any* free trades, and also have lots of other restrictions. Considering you can only invest $5,000 per year, this makes it a very bad choice for beginners. I also found their customer service to be horrendous, and they were frequently sending me "transfer money in now or we'll sell all your assets" emails due to their mistakes (not the sort of email you want to find in your inbox in the morning). </div> Your information on Zecco is out-of-date. They require $25,000 before you get *any* free trades, and also have lots of other restrictions. Considering you can only invest $5,000 per year, this makes it a very bad choice for beginners.

I also found their customer service to be horrendous, and they were frequently sending me “transfer money in now or we’ll sell all your assets” emails due to their mistakes (not the sort of email you want to find in your inbox in the morning).

loading....

]]> By: Patty http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198584 Patty Sun, 20 Sep 2009 14:45:13 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198584 Great Job! Enjoy the season Great Job!

Enjoy the season

loading....

]]> By: Laura O. http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198580 Laura O. Sun, 20 Sep 2009 14:08:18 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198580 Just wanted to say thank you very much! I have a Roth, but now I'll know how to really utilize it. Just wanted to say thank you very much! I have a Roth, but now I’ll know how to really utilize it.

loading....

]]> By: James http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198579 James Sun, 20 Sep 2009 14:07:14 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198579 Wow! Thank you very much for the e-book. I've been recently looking through your site for this very information. I'm thinking about starting a Roth IRA soon, and I've found your information on GRS extremely useful. Once again, thank you very much for the convenient e-book! Wow! Thank you very much for the e-book. I’ve been recently looking through your site for this very information. I’m thinking about starting a Roth IRA soon, and I’ve found your information on GRS extremely useful. Once again, thank you very much for the convenient e-book!

loading....

]]> By: Sarah http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198577 Sarah Sun, 20 Sep 2009 13:59:17 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198577 WOW! Talk about perfect timing. This is exactly the type of information I was looking for. Thanks so much! WOW! Talk about perfect timing.
This is exactly the type of information I was looking for. Thanks so much!

loading....

]]> By: Jean http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198575 Jean Sun, 20 Sep 2009 13:39:49 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198575 Thanks for this! I just finished reading it. I've been thinking about a Roth as of late and was planning to open one at my credit union. Your explanations of the various types offered through other institutions are great and I may open one instead at one of the 'big three.' Thanks again for offering this great resource in such a nice package! Thanks for this! I just finished reading it. I’ve been thinking about a Roth as of late and was planning to open one at my credit union. Your explanations of the various types offered through other institutions are great and I may open one instead at one of the ‘big three.’ Thanks again for offering this great resource in such a nice package!

loading....

]]> By: Anthony http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198573 Anthony Sun, 20 Sep 2009 13:33:32 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198573 Thanks for the free e-book! From this site and a few others on the Money Tips Network, I have been able to turn my financial life around. I am still paying down debt, but am doing so very quickly. I am living within my means, trying to get a promotion at work, have paid off all non-mortgage/non-student loan debts, started saving for an emergency fund, and putting towards my 401(k). This Roth IRA guide is the next step in my journey. I already know that I will be opening an account, but my e-book is just more (free!!!) information that I can now reference. Thanks again! Thanks for the free e-book! From this site and a few others on the Money Tips Network, I have been able to turn my financial life around. I am still paying down debt, but am doing so very quickly.

I am living within my means, trying to get a promotion at work, have paid off all non-mortgage/non-student loan debts, started saving for an emergency fund, and putting towards my 401(k).

This Roth IRA guide is the next step in my journey. I already know that I will be opening an account, but my e-book is just more (free!!!) information that I can now reference. Thanks again!

loading....

]]> By: Laura aka Green Panda http://www.getrichslowly.org/blog/2009/09/20/free-ebook-the-get-rich-slowly-guide-to-roth-iras/comment-page-1/#comment-198571 Laura aka Green Panda Sun, 20 Sep 2009 13:13:13 +0000 http://www.getrichslowly.org/blog/?p=6230#comment-198571 Great e-book! I think this is an important topic people especially those in college or just graduated should look into. Great e-book! I think this is an important topic people especially those in college or just graduated should look into.

loading....

]]>