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It is currently Sat Feb 06, 2016 6:26 pm



Viewing profile - Bichon Frise

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Bichon Frise
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Joined: Fri May 04, 2012 2:23 pm
Last visited: Sat Feb 06, 2016 7:26 am
Total posts: 1045
[1.19% of all posts / 0.76 posts per day]
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Most active forum: Personal Finance
[ 945 Posts / 90.43% of user’s posts ]
Most active topic: Trying to plan for my taxes next year
[ 17 Posts / 1.63% of user’s posts ]

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Bichon Frise

"If you only have 1 year to live, move to Penn...as it will seem like an eternity."

avocado wrote:
Good to see you back, I was starting to miss your incisive commentary!

Bichon Frise Posts

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 Forum: Personal Finance   Topic: About to open a Vanguard Roth IRA.

Posted: Thu Jan 28, 2016 10:01 am 

Replies: 2
Views: 5161


2050 should be ok. It certainly isn't "wrong" right now. Need more details to make better recommendation. IRA contributions aren't reported on form 1040 (normal tax return form for individuals). Nor is there any form the individual files with their return. Rather, as I think sdrocker was a...

 Forum: Personal Finance   Topic: How to Understand Low Mortgage Rate vs Lower House Price

Posted: Fri Jan 22, 2016 10:55 am 

Replies: 9
Views: 7574


do the math and calculate what the total out lying cost would be. or if just looking at payments, what the difference is there. I'm sure there are calculators on the interwebz which will do it for you. Then there are questions like: will you invest the difference and what assumption of your return w...

 Forum: Personal Finance   Topic: How do you avoid panic and stay the course?

Posted: Thu Jan 14, 2016 7:53 am 

Replies: 6
Views: 5414


Think about what you can control as an investor who plays the entire market. The answer is very little to nothing in terms of share price/stock market performance. One thing you can control is how often you check your accounts and read the news. It's hard, trust me. I just dropped a lot (relatively)...

 Forum: Personal Finance   Topic: Bad 401k plan question

 Post subject: Re: Bad 401k plan question
Posted: Tue Jan 05, 2016 8:06 am 

Replies: 1
Views: 4859


if you own a business and meet various criteria (only you are the owner, no employees, there are some exceptions), you may have a SEP or solo 401k. But the short answer to your question is, no - you can't go do your own thing just because you don't like your employer's plan. Look for another job if ...

 Forum: Personal Finance   Topic: First time homebuyer- do I really need 20%?

Posted: Tue Jan 05, 2016 8:03 am 

Replies: 10
Views: 11076


I know I could take another $10k from my Roth. If you are referring to the home buyers non-qualified distribution from an IRA, be aware of the basis recapture in subsequent years if using funds from a Roth account. In other words, the contributions you can with draw at anytime will disappear up to ...

 Forum: Personal Finance   Topic: Life After Debt-Free --- Now What?

Posted: Fri Nov 27, 2015 8:13 am 

Replies: 18
Views: 17002


how can one make "prudent" choices if they don't know what they are trying to achieve? sure, you can live as "frugal" as possible, but some people enjoy those $4 coffees or whatever (Sorry, I don't drink coffee). if one desires to be an old, laid up man who still hasn't retired i...

 Forum: Personal Finance   Topic: Life After Debt-Free --- Now What?

Posted: Sun Nov 22, 2015 6:27 pm 

Replies: 18
Views: 17002


Goals come first. Once you have a descriptive and realistic goal, you can shape your plan to execute. Early retirement consists of 3 ways to get money. The third assumes you want to live within the 15% tax bracket. 1) as someone alluded to above, 72t - once they start, they must continue for 5 years...

 Forum: Personal Finance   Topic: Advice from people who have "walked the talk"

Posted: Tue Nov 17, 2015 7:30 am 

Replies: 8
Views: 4919


the stupid "retire in place" for cops in utah is ridiculous. now, it seems you just bounce from place to place.... if you're coming on here to ask if we can justify a housing upgrade for you, the answer is only you can make that decision. many here will shame you, but there is nothing wron...

 Forum: Personal Finance   Topic: How to save money before tax?

Posted: Sun Nov 15, 2015 1:10 pm 

Replies: 12
Views: 6614


There aren't a lot of ways. So, pay your taxes and be grateful for your situation.

 Forum: Personal Finance   Topic: taxable brokerage account advice

Posted: Sat Nov 14, 2015 8:41 am 

Replies: 6
Views: 7349


petunia is correct, but lacks some details. yes, you'll get a 1099 of some sorts showing gains taken from within the fund and dividends. as always, taxes are due throughout the year, and you settle up on 4/15 of the following year. Manipulate your employer's withholding as needed and/or do periodic ...

 Forum: Personal Finance   Topic: 401K vs IRA

 Post subject: Re: 401K vs IRA
Posted: Tue Nov 10, 2015 4:03 pm 

Replies: 16
Views: 6686


For me, where I contribute (taxable vs 401k) would sort of depend on what it would mean to my effective tax bracket. I think you obviously want to contribute the $5500/year to both your RothIRA (careful, there's income limits on contributing to a Roth -- 181,000 combined for married filing joint). ...

 Forum: Personal Finance   Topic: 401k max

 Post subject: Re: 401k max
Posted: Thu Nov 05, 2015 10:10 am 

Replies: 3
Views: 1074


There is a limit on employer contributions. The total contributions for 2015 between employer and employee is $53k.

 Forum: Personal Finance   Topic: How do you teach your kids about money?

Posted: Thu Oct 29, 2015 9:11 am 

Replies: 8
Views: 6955


It's at my library, but I listened to it on a "free" trial of audible.com.

 Forum: Personal Finance   Topic: How do you teach your kids about money?

Posted: Thu Oct 29, 2015 7:48 am 

Replies: 8
Views: 6955


I'd suggest a book by Ron Lieber, "The opposite of being spoiled." I found it to be helpful and practical. One of the first things he'll point out is the difference between an allowance (earning money) and actually managing money. The two, while related, are different "teaching moment...
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