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Re: The Mega Backdoor Roth IRA

Why would you ever want to do this? It will not reduce your tax liability, and ultimately the earnings/growth would be taxable at ordinary income rates, as compared to lower LTCG rates in a taxable account. One should only contribute to 401(k)'s if there is an immediate pre-tax benefit of the contri...
by gooch
Tue Apr 15, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 37
Views: 5100

Re: 2013 tax filing issues

If at least the "total tax" amount from your 2012 return was withheld by your employers in 2013, there won't be any penalty. Essentially it's a one-year grace.
by gooch
Mon Mar 17, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 tax filing issues
Replies: 33
Views: 1007

Re: Tax and ACA ?

Yikes! Methinks you need to evaluate your life insurance situation as a priority! Mexican border towns aren't exactly safe-havens...
by gooch
Sat Mar 15, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax and ACA ?
Replies: 12
Views: 999

Re: Goodbye HAL

peppers wrote:HAL 9000

From the movie 2001: A Space Odyssey
I affectionately named my old computer HAL


The letters HAL are one-off from IBM.
by gooch
Sat Mar 01, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Goodbye HAL
Replies: 35
Views: 2302

Re: Avoid Abbreviations

Here, here!
This guideline shouldn't apply to just stock symbols, either! Many folks on this site routinely use abbreviations in their conversational text.
by gooch
Thu Feb 20, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Avoid Abbreviations
Replies: 66
Views: 2973

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

When the Queen is happy, there's peace in the kingdom. :D
by gooch
Sat Feb 15, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2274

Re: USAA Homeowner Insurance Increase

Whatever the future insurance company might be, I would want to have the same coverages and all my business would be with that company to ensure the best pricing. I do want it to be with a "quality" company though, with a good track record. Both USAA and AMICA are, or have been, rated the...
by gooch
Sun Sep 01, 2013 2:51 pm
 
Forum: Personal Consumer Issues
Topic: USAA Homeowner Insurance Increase
Replies: 35
Views: 3178

Re: Oil vs Propane?

OP, how far are you from natural gas? It runs in my area but not on all lengths of all streets. It is not tremendously expensive to extend it a block or two, especially if neighbors want to connect as well and will split the cost. Not too far, actually; it runs down the main road at the end of my s...
by gooch
Sun Sep 01, 2013 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Oil vs Propane?
Replies: 35
Views: 3020

Re: Oil vs Propane?

Have you checked into all electric? I don't really know the pros/cons versus oil/propane. Electric is cost-prohibitive. I've lived in worked in Connecticut all my life (50 years) and have known only one person whose home had electric heat. His heating cost in the winter months was several times min...
by gooch
Wed Aug 28, 2013 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Oil vs Propane?
Replies: 35
Views: 3020

Re: Oil vs Propane?

I appreciate the input, folks. I just learned since my initial post that my current oil supplier has raised it's lock-in price by 30 cents this week :oops: due to the Syria situation. Since propane is loosely coupled to the price of oil (partially supplied from the oil refining process), it's price ...
by gooch
Wed Aug 28, 2013 11:03 am
 
Forum: Personal Consumer Issues
Topic: Oil vs Propane?
Replies: 35
Views: 3020

Oil vs Propane?

Hello folks, I recently purchased a new home here in Connecticut, and during the home inspection I was told that although the hot air oil-fired furnace and oil-fired hot water tank are good quality brands, they are both “at the end of their useful lives” and I should budget for their replacement ver...
by gooch
Wed Aug 28, 2013 9:42 am
 
Forum: Personal Consumer Issues
Topic: Oil vs Propane?
Replies: 35
Views: 3020

Re: Should I stay or go thoughts

Go as soon as you can. Life's too short. You can always make more money; you can't make more time.
by gooch
Fri Mar 08, 2013 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I stay or go thoughts [retire early]
Replies: 35
Views: 2619

Re: Anyone using Quicken 2013?

I just upgraded, since the online update functionality of my old Q2010 is scheduled to be disabled next month. So far, no problems, although I haven't enabled the cloud-iphone app yet... I'm going to do it manana. Fingers crossed (me and you both!). Amazon direct download seems to be the cheapest.....
by gooch
Tue Mar 05, 2013 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Anyone using Quicken 2013?
Replies: 77
Views: 15586

Re: Uncertain job future--stop contributing to 401k?

First question, is the company forwarding her 401k contributions to the custodian? Oftentimes companies in such dire financial straits don't ...
by gooch
Tue Mar 05, 2013 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Uncertain job future--stop contributing to 401k?
Replies: 7
Views: 717

Re: Anyone using Quicken 2013?

I just upgraded, since the online update functionality of my old Q2010 is scheduled to be disabled next month. So far, no problems, although I haven't enabled the cloud-iphone app yet...
by gooch
Tue Mar 05, 2013 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Anyone using Quicken 2013?
Replies: 77
Views: 15586

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