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wow, thank you for the reply. I'm trying to follow your post but not quite getting it yet. let me provide more info to clarify. married. 39 and 40 years old. child is 6 yrs old. income: $225k/yr. (150k husband/75k wife). wife has no work benefits as she works for a wealthy private family and not a c...

yes, i was wondering if it was beneficial to do it? am I able to recharacterize back to a ROTH afterwards? should I do that? that is basically i think my question

My wife and I (married in 2012) are filing separately for our taxes. This will maximize our total return according to accountant. One thing I did was in 2012, fund $5000 into a ROTH via the backdoor method. Since we are filing separately, the accountant said, I could convert that ROTH back to a tIRA...

I guess to answer your question, I just look at our funds as being at separate institutions and different parts will be utilized at different times in our lives. To Clarify: my 401k - fidelity. my roth - fidelity wife roth - fidelity savings: VG I consider our savings at VG the portfolio that we wil...

Hi all, I just opened 2 ROTH accounts for myself and wife. $5k each put into tIRA then converted to ROTH a couple days later. I wanted to get the contributions in for 2012. Next month I will place another $5k in each tIRA and convert again for 2013. Every year I plan to convert the max allowable for...

Wife has income of 100k. Works for private family of substantial wealth. No benefits at all. Just opened a fidelity TRaditional IRA for $5k for her for 2012. Wondering if its best to keep as traditional or covert to Roth? My income is btw 150-200k, I have a 401k I max and was going to open same thin...

thank you for the replies. @ M1garand - no pension at all @Bob'snotmyname - I contribute max 401k, so 17.5k next year. Plus since we got married this year, I just signed up during the open enrollment for health insurance. We are doing a "consumer driven family HDHP" - going to cost us $375...

Hi all, last month I noticed that I reached my 401k max of $17k. There is a Roth 401 option that I wasn't really sure what it was, so I just put like 2% allocation and then the rest to the '401k' option. My pay stub for the year shows: 401k: $14797.64 Roth 401: $2042.03 I spoke with payroll this mor...

Why not buy a balanced portfolio of low-cost index funds instead? I have one - unfortunately at the moment its with ameriprise (the family financial advisor). This will change in the future. however, I take about 5% of my savings to 'speculate' on things like the question above. I have a few thousa...

I looked today and see that Fannie Mae is trading for 20 cents/share. LOL http://www.marketwatch.com/investing/stock/FNMA considering it used to trade at $70/share and the fact that this company is backed by the government, I wondered today if it would be worth buyin? I'm not talking about throwing ...