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A place for Get Rich Slowly readers to ask questions
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It is currently Sat Oct 01, 2016 1:46 am

Viewing profile - Dylan

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Joined: Thu Apr 05, 2007 4:19 am
Last visited: Thu Mar 04, 2010 7:50 pm
Total posts: 394
[0.44% of all posts / 0.11 posts per day]
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Most active forum: Personal Finance
[ 278 Posts / 70.56% of user’s posts ]
Most active topic: Help proof the Roth IRA entry - PART THREE!
[ 8 Posts / 2.03% of user’s posts ]



E-mail address:
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Location: New Jersey
Occupation: Financial Planner
Website: http://www.swanfinancialplanning.com

Dylan Posts

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 Forum: Personal Finance   Topic: 401k/IRA question

Posted: Fri Apr 24, 2009 3:07 pm 

Replies: 8
Views: 3845

Thoroughly investigate the cost/expense/fees in the 401(k) plan so you know exactly how much you are actually paying for the convenience. That may cause you to give the Roth IRA a second look; you can always go to the Roth 401(k) after you've maxed the Roth IRA. Dylan - that was my thought. As far a...

 Forum: Personal Finance   Topic: 401k/IRA question

Posted: Thu Apr 23, 2009 8:52 pm 

Replies: 8
Views: 3845

I don't think it is very likely that every year of retirement will either be higher taxes than now or lower taxes than now. More likely, some years in retirement will be higher and others lower. Therefore, I think it makes sense to give yourself flexibility by having some savings in a Roth arrangeme...

 Forum: Tips, Tricks, Links, Pointers   Topic: Cutting the cable TV bill - the alternative

Posted: Wed Feb 18, 2009 3:10 pm 

Replies: 25
Views: 28903

We cut cable almost two years ago and watch most of our shows online. Our original plan was to get a rooftop antenna just so I could get live sports, but now I just walk down the street to the pub if I really need to watch something, which is not that often. My bar tab has never even come close the ...

 Forum: Personal Finance   Topic: Girlfriend's Dad's Finacial Advisor - UGH

Posted: Wed Feb 18, 2009 2:57 pm 

Replies: 6
Views: 3522

You can get better help than that for free on the internet, I don't understand how those guys make a living. I guess naive, trusting people are required. Many people who lost money in the madoff scam did not invest with him. They trusted another person or company to handle their investments, that c...

 Forum: Personal Finance   Topic: Get Rich Slowly Meetup?

Posted: Fri Feb 06, 2009 8:01 pm 

Replies: 10
Views: 4209

The week in between is the NAPFA national conference in National Harbor.

 Forum: Personal Finance   Topic: Get Rich Slowly Meetup?

Posted: Fri Feb 06, 2009 7:55 pm 

Replies: 10
Views: 4209

I could do something in DC the last week end of May or the first weekend in June.

:idea: In the spirit of frugality, how about a camping weekend in one of Maryland's state campgrounds? Smores, personal finance, and a campfire. I'd do any summer weekend for that.

 Forum: Personal Finance   Topic: Thrift Savings Plan (TSP) question

Posted: Fri Feb 06, 2009 7:39 pm 

Replies: 12
Views: 6948

I was not aware that fedsmith.com even gave recomendations for buying funds. I am refering to sites that, for a fee, will send you a newsletter along with recomendations via email on how to invest based on market conditions. Keep your money. This does not work. Market timing has been shown time and...

 Forum: Personal Finance   Topic: Mortgage Refinance

Posted: Tue Jan 13, 2009 11:30 am 

Replies: 3
Views: 2383

I really like the Mortgage Professor's "Mortgage Refinance Tutorial." It's brief but informative, Here is the link: http://www.mtgprofessor.com/Tutorials2/refinance_to_reduce_cost.htm His site also has great calculators that include some important details other calculators often ignore. He...

 Forum: Tips, Tricks, Links, Pointers   Topic: Restaurant.com super bonus

Posted: Mon Jan 12, 2009 10:39 am 

Replies: 10
Views: 9238

I recently learned that if you access restaurant.com through a co-branded site with Coupon Cabin (there are probably others like it), you always get an extra 50% off. That link is: http://cobrand.restaurant.com/index.asp?prti=3644&aid=10418235&pid=1348619&sid=so_574_11919_2009-01-12 It's...

 Forum: Personal Finance   Topic: Actual Cost of Living Increases

Posted: Sat Jan 10, 2009 11:47 am 

Replies: 4
Views: 2853

I know energy is ignored in "official" inflation stats, but it still seems to be a real cost to us. This myth has become much more prevalent in the last couple of years. Energy is included in most measures of inflation, including the Consumer Price Index . The confusion, I suspect, come f...

 Forum: Personal Finance   Topic: FIRE thread

Posted: Sat Jan 10, 2009 11:36 am 

Replies: 5
Views: 2901

A 4% initial withdrawal that is adjusted for inflation in future years should, based on the research that established 4% as a "safe" withdrawal rate, last over 50 years before fully depleting. But, there is a reasonable chance it won't because of bad timing of market returns, also known as...

 Forum: Personal Finance   Topic: How to find a local CPA?

Posted: Tue Jan 06, 2009 2:33 pm 

Replies: 7
Views: 3156

I agree that an EA (Enrolled Agent) may be a good alternative to a CPA. Also, does the accountant have to be local? I know more and more accountants are working virtually (teleconference, email or Web meeting) with clients that are comfortable doing so. CPAs are state licensed, but you may be able t...

 Forum: Personal Finance   Topic: When is a commission justified?

Posted: Wed Dec 31, 2008 9:44 am 

Replies: 24
Views: 7900

Daedala wrote:
If you're in this business, you should be familiar with "suitability." It is defined in NASD rule 2310.

Well, if he is a compliance advisor to brokers, he should also be familiar with rules about posting on public message boards, rule 2210.

 Forum: Personal Finance   Topic: When is a commission justified?

Posted: Wed Dec 31, 2008 7:54 am 

Replies: 24
Views: 7900

The biggest, in my opinion, disadvantages of mutual funds: 1.) You can not sell them during the day, only at NAV which is calculated after market close. Critics of ETFs cite this as an advantage of mutual funds. In reality, there is no way to know whether or not you are buying at a discount or prem...
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