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Re: How to achieve a balance between "saving" and "living"?!

Keep maxing out the 401k and Roth IRA. Establish an emergency fund of 6 months worth of expenses. Once that is done (if not already) start saving towards the motorcycle without reducing your retirement contributions. When you have the full price of the motorcycle saved up, if you still want it, buy...
by Spirit Rider
Fri Sep 19, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 17
Views: 1140

Re: A new type of mortage

This makes no sense. Check this quote: On a $100,000 mortgage at 3 percent, for example, a $6,000 down payment could bring the rate permanently down to zero, Mr. Marks said, meaning that “every penny you pay will go to principal.” So only a 6% down payment gets you an interest rate of 0%??? A better...
by Spirit Rider
Fri Sep 19, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: A new type of mortage
Replies: 4
Views: 665

Re: Contribution limits for partial self/employed?

Do you have access to an HSA? That would be another option. Do you have a spouse? She could also do contributions to both an IRA, and your solo 401k depending how your business is structure (e.g. spousal contributions are allowed in sole proprietorship LLCs ) I don't believe this restriction exists...
by Spirit Rider
Fri Sep 19, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Contribution limits for partial self/employed?
Replies: 5
Views: 274

Re: Contribution limits for partial self/employed?

A1) Yes, $5.5K -> Roth IRA contribution A2) Yes, $17.5K -> Roth individual 401k contribution A3) My calculation is a little different A3i) SE tax = $50K * .9235 = $46,175 * 0.153 = 7064.775 A3ii) Profit sharing = $50K - $7,065/2 = $46,468 * 0.2 = $9294 -> Traditional 401k B) HSA???. Even if your emp...
by Spirit Rider
Fri Sep 19, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Contribution limits for partial self/employed?
Replies: 5
Views: 274

Re: How to create a new 401k Plan

If the tech company will not be making contributions, they shouldn't even bother. There will be no way to have a safe harbor plan. Without a safe harbor plan, I can tell you from personal experience a 401k is often useless for a tech company. Tech companies are all but guaranteed to have a significa...
by Spirit Rider
Fri Sep 19, 2014 1:12 am
 
Forum: Investing - Theory, News & General
Topic: How to create a new 401k Plan
Replies: 4
Views: 428

Re: Question about popularity of HSAs

I must be missing something, but I'm using Fidelity for my HSA, and I don't see a fee schedule over their standard brokerage trading fees. Granted, I've got $500k+ parked with them, so I may be fee-waived, but for me, fees don't seem an issue. But I can invest in anything I want (TIPS, I'm in CA) L...
by Spirit Rider
Wed Sep 17, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about popularity of HSAs
Replies: 23
Views: 1359

Re: Individual 401K Contribution Questions

Just had to take a look at my tax return and net profit last year was 51K so I am pretty close to the 50%. I am set up as an LLC with S-Corp election. When you say to avoid paying FICA are you saying to avoid paying them altogether or to avoid paying any more than on the 24K? I saw on my tax return...
by Spirit Rider
Wed Sep 17, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Individual 401K Contribution Questions
Replies: 5
Views: 273

Re: Question about popularity of HSAs

HSAs are limited by a list of eligible/ineligible expenses. 401K/IRA withdrawals are mostly limited by your age. I think most here would prefer to fill the 401K & IRA first because of the flexibility down the road. In retirement HSAs can pay for Medicare Part B Premiums and LTCI. They can also ...
by Spirit Rider
Wed Sep 17, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about popularity of HSAs
Replies: 23
Views: 1359

Re: Individual 401K Contribution Questions

Generally, for an Individual 401K the employer contribution is a non elective profit sharing contribution and not an elective match. From a purely tax point of view it does not matter whether pre-tax contributions are from employee deferrals or employer contributions. The only difference would be if...
by Spirit Rider
Wed Sep 17, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Individual 401K Contribution Questions
Replies: 5
Views: 273

SSA Resumes Mailing Social Security Statements

The agency will resume mailing periodic statements to all workers not receiving benefits. However, this will now be done every five years. They had already resumed mailing yearly statements for those >= 60. You can still review your up to date statements online. Agency Resumes Mailing Social Securit...
by Spirit Rider
Wed Sep 17, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA Resumes Mailing Social Security Statements
Replies: 6
Views: 1092

Re: Solo 401k Contribution Limit Confusion

A good reference for the calculation is the Deduction Worksheet for Self-Employed in IRS Publication 560. Atgard's concise summation a couple of posts covers the relevant issues. Fidelity's calculator is the only online calculator I am aware of that handles this situation. One thing to keep in mind ...
by Spirit Rider
Wed Sep 17, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Solo 401k Contribution Limit Confusion
Replies: 7
Views: 812

Re: Any success stories of ppl who never made >$50,000?

Often, when browsing this forum, I see people asking for portfolio advice and usually they are dual medical professionals making north of $300,000 per year and have a $3 million plus portfolio. I am just wondering if there's anyone here who has a multi million dollar stock portfolio but has never m...
by Spirit Rider
Wed Sep 17, 2014 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9678

Re: Opening Solo 401(k) and Closing SEP-IRA

You can open a solo-k for 2014. The active participant rule does not affect this; it has to do only with IRA deductibility. Ok, Now I'm confused. Could you elaborate on this further? Can you explain this FAQ Q&A from the IRS website? If I have a SEP, can I also have other retirement plans? You ...
by Spirit Rider
Mon Sep 15, 2014 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opening Solo 401(k) and Closing SEP-IRA
Replies: 10
Views: 812

Re: Logistics of Solo 401(k)

1. I don't know the answer to this, but she could have just elected S-Corp status of the LLC. 2. Yes, the corporation has to make employer contributions 3. She is now an employee of a corporation, nothing involving her employment at the corporation can come from personal funds. Employee deferrals sh...
by Spirit Rider
Sun Sep 14, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Logistics of Solo 401(k)
Replies: 16
Views: 962

Re: Opening Solo 401(k) and Closing SEP-IRA

It is technically possible to have both a SEP IRA and Solo 401k. However, that is not true for Form 5305-SEP plans. I am not aware of any SEP IRA from a major provider that is not a Form 5305-SEP plan. So as a practical matter, you can not have both plans active at the same time. There is no formal ...
by Spirit Rider
Sun Sep 14, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opening Solo 401(k) and Closing SEP-IRA
Replies: 10
Views: 812

Re: Inherited tIRA-benefits to liquidating?

And on reflection cashing out an inherited IRA to reinvest in taxable seems to me more akin to the Roth conversion discussion, with possible advantages to controlling the timing of taxes, rather than having big RMDs coming at me; additionally, it could be better to pay capital gains/dividends rate ...
by Spirit Rider
Sat Sep 13, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA-benefits to liquidating?
Replies: 14
Views: 882

Re: SE tax and estimated taxes

JoeJohnson wrote:Line 61

+1

It is actually line 61 minus some other lines that don't apply to most people. See the 1040 instructions (line 77).

The safe harbor has extra benefits for you going W2 -> SE because FICA is not included, but hurts you going from SE -> W2 because SE tax is included.
by Spirit Rider
Fri Sep 12, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: SE tax and estimated taxes
Replies: 6
Views: 407

Re: Options vesting period coming to close, need advice

I don't have a comment on whether to exercise or not, or how much to exercise. However, I can tell you to absolutely sell at least whatever percentage of what you exercise to cover your tax liability. Your tax liability is the difference between the FMV on the date you exercise and the cost to exerc...
by Spirit Rider
Fri Sep 12, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Options vesting period coming to close, need advice
Replies: 8
Views: 506

Re: Self Employed - Roth Contribution for Sep and solo 401K

new2bogle2 wrote:VG does offer the option to backdoor a Roth IRA, do I have that correct?

The option to use a backdoor Roth IRA is a function of having no traditional IRA assets. If you have traditional IRA assets, Vanguard's Solo 401k hinders that, because they do not allow incoming IRA rollovers.
by Spirit Rider
Fri Sep 12, 2014 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Self Employed - Roth Contribution for Sep and solo 401K
Replies: 15
Views: 886

Re: low expxpense mobile phone?

Page Plus Cellular has a $29.95 prepaid plan with 1200 minutes voice, 3000 text msgs, and 500MB. Even with a smartphone, but with home and work WiFi service, I only use 100MB - 200MB a month.
by Spirit Rider
Thu Sep 11, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: low expense mobile phone?
Replies: 16
Views: 1349

Re: Self Employed - Roth Contribution for Sep and solo 401K

I do not know what you are referring to. Vanguard has some of the lowest expense ratios for index funds available anywhere. There are no administrative fees for a Vanguard Solo 401k. The only significant issue that I am aware of is that Vanguard will not allow incoming rollovers of IRA funds into th...
by Spirit Rider
Thu Sep 11, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self Employed - Roth Contribution for Sep and solo 401K
Replies: 15
Views: 886

Re: Self Employed - Roth Contribution for Sep and solo 401K

As a sole proprietor with 0 employees it sounds like Solo 401k is my best option, right? You have to make that decision based on your circumstances. My personal opinion is that it provides the most flexibility and allows a larger contribution at a lower salary point. If one day I do get an employee...
by Spirit Rider
Thu Sep 11, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self Employed - Roth Contribution for Sep and solo 401K
Replies: 15
Views: 886

Re: Self Employed - Roth Contribution for Sep and solo 401K

However, since every major SEP IRA provider I am aware of uses a Form 5305-SEP, you can not have both. Since a Solo 401k's profit sharing is exactly the same as a SEP IRA, why do you want both. thank you for explaining. my thought to having both was that I could contribute the max to each plan. Tha...
by Spirit Rider
Thu Sep 11, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self Employed - Roth Contribution for Sep and solo 401K
Replies: 15
Views: 886

Re: Buffett: Modern investment theory is horse-pucky

This article is more the journalist's lack of understanding about what Modern Portfolio Theory (MPT) actually is, than any actual statements from Warren Buffet or Charlie Munger. This journalist is practicing common journalist fraud, putting words in people's mouths A theme that keeps cropping up fr...
by Spirit Rider
Thu Sep 11, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 9213

Re: Solo 401k/ SEP question wrt to backdoor ROTH conversion

Thanks Spirit Rider. What you say makes sense. The two reasons to try to figure out whether the $10k too can go into tax-free growth is bc 1) it is a low-earned-income year. As you point out, this can be solved by using the existing sep/ira funds and converting to roth as needed. Does it matter if ...
by Spirit Rider
Thu Sep 11, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k/ SEP question wrt to backdoor ROTH conversion
Replies: 5
Views: 379

Re: Solo 401k/ SEP question wrt to backdoor ROTH conversion

Hello, I am trying to optimize my after-tax retirement funds since this is a low-income year for me. My goal is to get as much money into after-tax ROTH 401k or ROTH IRA as possible. I currently have 105k in IRA, 26k in SEP and 80k in ROTH. Thinking of opening a solo 401k at Etrade bc whitecoatinve...
by Spirit Rider
Thu Sep 11, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k/ SEP question wrt to backdoor ROTH conversion
Replies: 5
Views: 379

Re: Self Employed - Roth Contribution for Sep and solo 401K

Yes, Roth IRA contributions are allowed above and beyond what you contribute to either SEP-IRA or Solo 401k. Note that if your income is eligible for Roth IRA contributions, you'd be able to contribute much more to Solo 401k than to SEP-IRA. If you self employed income allows for 20K contribution t...
by Spirit Rider
Thu Sep 11, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Self Employed - Roth Contribution for Sep and solo 401K
Replies: 15
Views: 886

Re: Hiring your kids

Are your children employed in your Subchapter S Corporation or LLC subject to FICA, or does that only apply to C corporations? Ralph I believe the exception to FICA/FUTA contributions is only available in a sole proprietorship, an LLC operating as a "disregarded entity", or a spouse/spous...
by Spirit Rider
Wed Sep 10, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hiring your kids
Replies: 34
Views: 2096

Re: Help w/ the Mechanics of Solo 401k Contributions?

Appreciate that Spirit Rider, I hope that I don't come back in the future asking the same question again!! One final question: Suppose that I establish a safe harbor plan and I contribute the max as an employee; if I contribute also the max as an employer, do I have to do the same for the employee(...
by Spirit Rider
Wed Sep 10, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1017

Re: Hiring your kids

First you need to determine if your kids would be subject to federal and state child labor laws. Generally, children working for parents are not subject to Federal laws providing they are not working in hazardous conditions or certain employer types or occupations. Many, but not all states will exem...
by Spirit Rider
Wed Sep 10, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hiring your kids
Replies: 34
Views: 2096

Re: Help w/ the Mechanics of Solo 401k Contributions?

Regardless of the retirement plan, you must meet the anti-discrimination rules. So no, you can not give yourself the opportunity of a benefit and not your employee(s). Understood. The issue now is if your employee(s) decided not to contribute any thing then you won't be able to contribute as well. ...
by Spirit Rider
Wed Sep 10, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1017

Re: Bank Closing My Account With No Reason Given

This is probably a good case for application of Ockham's razor. You have no answer as to why they closed the account. The more assumptions you make out of pure conjecture are less likely to give you a correct result. Doesn't mean they won't likely turnout to be true, just the more you go without any...
by Spirit Rider
Wed Sep 10, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 3922

Re: Bank Closing My Account With No Reason Given

This is probably a good case for application of Ockham's razor. You have no answer as to why they closed the account. The more assumptions you make out of pure conjecture are less likely to give you a correct result. Doesn't mean they won't likely turnout to be true, just the more you go without any...
by Spirit Rider
Wed Sep 10, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 3922

Re: Help w/ the Mechanics of Solo 401k Contributions?

I stand corrected, and I apologize for that. Thank you, SR. What I described was the solo 401k mechanics of an S-Corp, not LLC. I cannot believe I missed such an important fact! I apologize to OP as well. Does any one know how it works if you hire an employee? Do you have to provide the same benefi...
by Spirit Rider
Wed Sep 10, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1017

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

an inherited IRA behaves differently from a personal IRA - Your wife likely should be taking RMD's based on her own life expectancy. Hopefully you have not co-mingled the funds with her own IRA. I'll have to ask our accountant and lawyer when I get a chance, but I'm pretty sure they would have told...
by Spirit Rider
Tue Sep 09, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 17
Views: 1014

Re: Help w/ the Mechanics of Solo 401k Contributions?

It really does not matter when, how often or how much you contribute. (1) Just remember that if you already paid yourself, you cannot come back in some future time and designate part of it as 401k employee contribution. (2) Also, you only have until December 31st to make employee salary deferral co...
by Spirit Rider
Tue Sep 09, 2014 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1017

Re: Implications working additional job on Pension, SS, 401k

Related to the 5-zeros in SS (if working 30 years), I would assume if I had 5-very low years (5-hour weeks with student pay at that!) in a pension plan, that also would hurt. I wonder if the added years of service, would make up for it (It will take me about 5 years to complete my degree part time,...
by Spirit Rider
Sun Sep 07, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications working additional job on Pension, SS, 401k
Replies: 6
Views: 492

Re: Implications working additional job on Pension, SS, 401k

My main concern is that the part time job might mess with my social security benefits in the future. Is this possible, especially if I only work 5-hours a week and only do it for a few years? I've read a little about the Windfall Elimination Provision. It seems that I'll be fine if I pay into socia...
by Spirit Rider
Sun Sep 07, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications working additional job on Pension, SS, 401k
Replies: 6
Views: 492

Re: Injury on MBTA: Financially worth it to hire an attorney

Let me know how you get around (1) the sovereign immunity issue; and (2) proving that the city knew that there was a pothole that could cause personal injury at that particular location. Most importantly (3) proving this actually happened on the MTBA bus as she claims, the bus actually hit the pot ...
by Spirit Rider
Sat Sep 06, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Injury on MBTA: Financially worth it to hire an attorney?
Replies: 27
Views: 1977

Re: Consulting: Sole Prop vs Employees: 401k and other issue

Hoping some of the consultants on this board can offer advice or links that have advice. Consulting as an employee of a consulting company is simplest and safest, yet the least flexible. Consulting as a Sole Proprietor or the only consultant in your own LLC trades some safety/predictability of inco...
by Spirit Rider
Sat Sep 06, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting: Sole Prop vs Employees: 401k and other issues
Replies: 6
Views: 438

Re: Asset Protection: Inherited IRA in Trust vs. Umbrella po

I question whether a Conduit Trust would really provide much protection. Even if the assets are protected, they could just get a judgment on all assets coming out. Bruce Steiner checks in here from time to time, this is one of his areas of expertise. He would know if there is really any mechanisms t...
by Spirit Rider
Fri Sep 05, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Asset Protection: Inherited IRA in Trust vs. Umbrella policy
Replies: 9
Views: 599

Re: buying a house in france

Maybe you should stop laughing long enough to follow livesoft's advice. There is a big difference between a post about buying property overseas and just currency movements. Hover, if you want to avoid getting the best responses, continue in your smug self-righteousness. I personally am not inclined ...
by Spirit Rider
Fri Sep 05, 2014 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: buying a house in france
Replies: 15
Views: 1605

Re: Maximum deferrals for working 3 months?

Just a note: You maximum contribution is somewhat variable. It is really 100% of your net income, less if a company has a lower % of gross income. If you are getting all of you net income there would be no income tax withholding. If you have HSA contribution that would also reduce your FICA withhold...
by Spirit Rider
Tue Sep 02, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maximum deferrals for working 3 months?
Replies: 4
Views: 239

Re: HSA pre-tax contribution rules

Also wondering, when you file taxes, do you have to itemize each HSA paycheck contribution/date/amount of pre-tax contributions? You do not separately report the amounts contributed by your employer or payroll deduction. That total combined amount is reported on your W-2 box 12W. You only report yo...
by Spirit Rider
Tue Sep 02, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 19
Views: 1313

Re: HSA pre-tax contribution rules

You still have four months to get approximately 1/3 of your max contribution by payroll deduction. Why wouldn't you do that rather than all as a separate contribution?

It is as simple as form 8889 and line 25 on form 1040.
by Spirit Rider
Tue Sep 02, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 19
Views: 1313

Re: Brokerage account for kids. Fidelity or TDAmeritrade

I agree with you on that is what the site says, but I have chatted with two different reps and got the same answer Douglas XXX: There is not a set minimum to open a brokerage account. There are different minimums for some investments. What are you looking to invest in? Andy XXX: Looking at doing so...
by Spirit Rider
Mon Sep 01, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage account for kids. Fidelity or TDAmeritrade
Replies: 19
Views: 1193

Re: Brokerage account for kids. Fidelity or TDAmeritrade

Spirt Rider - Fidelity is telling me that the $2,500 minimum is only if I want to purchase mutual funds. They say for stocks and ETFs there is no minimum. There is a difference between account opening minimum and trading minimums. What you are describing are the trading minimums. The minimal amount...
by Spirit Rider
Mon Sep 01, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage account for kids. Fidelity or TDAmeritrade
Replies: 19
Views: 1193

Re: Best tax return software for freelancer?

All of the top three TurboTax, TaxCut, and TaxAct are all capable, given your circumstances. They all have wizards and/or Q&A that do a good job of automating your tax return. However, none of them can help you know what you don't know. As other replies have stated, tax software is not a magic b...
by Spirit Rider
Mon Sep 01, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best tax return software for freelancer?
Replies: 14
Views: 1242

Re: Paper or plastic?

And because they stank, they were kept outside. Occasionally, raccoons or possums would visit, knock over the cans and scatter the trash all over the yard. Then there were the maggots in the summer. Good times. Ah, the memories and joys of childhood. We didn't have Garbage Men, we had a garbage dum...
by Spirit Rider
Mon Sep 01, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2832

Re: Brokerage account for kids. Fidelity or TDAmeritrade

Fidelity might not be a viable option, given your purpose. Here are comparisons of the minimums: TD Ameritrade Custodial Brokerage Account $0, $50 min for electronic Standard Brokerage Account $0, $50 min for electronic Schwab Custodial Brokerage Account $100 Standard Brokerage Account $1000 Fidelit...
by Spirit Rider
Mon Sep 01, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage account for kids. Fidelity or TDAmeritrade
Replies: 19
Views: 1193
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