Search found 638 matches

by TropikThunder
Wed Dec 13, 2017 9:14 pm
Forum: Investing - Theory, News & General
Topic: Do You Sacrifice Tax Efficiency for Portfolio Efficiency?
Replies: 5
Views: 624

Re: Do You Sacrifice Tax Efficiency for Portfolio Efficiency?

But tax advantaged space can become limited and we can be forced to stray from ideal asset locations. Dave One observation for perspective: the vast majority of people in the US (sadly) don't save enough to max their tax advantaged space, and thus have no "where do I put the extra" worries. For exa...
by TropikThunder
Wed Dec 13, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?
Replies: 177
Views: 4317

Re: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?

Serious academic comment Alex -- the prices move a preposterous amount in overnight trading lately. It's really bizarre. Like SPY closed at 266.75 but it's already up to 266.94 in extended hours. Not sure what to make of it but it happens every day. 266.94 on SPY. My broker, Fidelity, shows you the...
by TropikThunder
Tue Dec 12, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 6914

Re: House on the market less than a day. Did listing agent commit fraud?

chevca wrote:
Fri Dec 08, 2017 4:59 pm
The dollar amount of your sales and purchases doesn't make you more of an expert either. But, nice humble brag there.
Especially if it’s a single incident. N=1 is unconvincing.
by TropikThunder
Tue Dec 12, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 44
Views: 11305

Re: My Costco/TrueCar auto shopping experience

So, does the TrueCar Average, as crappy as it is, does it include taxes and fees or not? Thank you. It doesn’t include taxes or fees. Sales tax on a car is based on where you’re going to register it, not where the dealership is. TrueCar doesn’t maintain a database to calculate those taxes since ser...
by TropikThunder
Sat Dec 09, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA
Replies: 8
Views: 1199

Re: Health Equity HSA

My HSA custodian said it could take 4-6 weeks too, but it took a week . Most of that was the time it took the USPS to deliver a physical check in the mail from Ohio to California. They actually cut the check the next business day after they received the faxed transfer form. Contributing directly ha...
by TropikThunder
Sat Dec 09, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA
Replies: 8
Views: 1199

Re: Health Equity HSA

In the case of my employer-sponsored HSA, they only charge a closure fee ($25) if you transfer everything out. If you leave a few dollars behind, they don't charge the fee. (And I need to keep it open to continue to receive biweekly salary reduction contributions.) Lively said they will be happy to...
by TropikThunder
Thu Dec 07, 2017 10:28 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 29
Views: 2583

Re: Call the Top!

What is the closing date to make your predictions? What is the ending date - where you call it done and declare a winner? The Bogleheads S&P 500 index contest status can be found in the left-side menu of every wiki page: Bogleheads® contest 900ss, Welcome! Not yet!! I'm still contributing!! :P
by TropikThunder
Thu Dec 07, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: HSA - Is Monthly Insurance Premium Eligible Expense?
Replies: 2
Views: 356

Re: HSA - Is Monthly Insurance Premium Eligible Expense?

bhwabeck3533 wrote:
Thu Dec 07, 2017 5:00 pm
I have never used my HSA funds to pay my monthly insurance premiums for Healthcare and Dental -- are these expenses eligible under the HSA guidelines?
Many (most?) employer health plans use pre-tax money to pay for health and dental premiums, so what would be the benefit of using HSA money?
by TropikThunder
Thu Dec 07, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 6914

Re: House on the market less than a day. Did listing agent commit fraud?

In most (all?) jurisdictions AFAIK real estate agents do not have a fiduciary responsibility to anyone. In our neck of the woods and in other hot markets there has been an uproar related to agent practices. Agents misleading sellers as to value of their properties, buying them from them and then re...
by TropikThunder
Thu Dec 07, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5731

Re: Mortgage as percentage of take-home pay

No more than 2x your gross annual salary for the size of your mortgage. I like this rule. It prevents you from becoming house poor. If this was a universal standard, realtors would need to survive on cat food. Let's look at the Top 25 Metro Areas per US Census and compare median household income, m...
by TropikThunder
Sat Dec 02, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Closing Question: Property Tax Pre-paids
Replies: 10
Views: 656

Mortgage Closing Question: Property Tax Pre-paids

I'm buying a new-construction townhouse, with closing in a couple weeks. I was looking at Section G of the Loan Estimate (Initial Escrow Payment at Closing) and I want to make sure I understand the property taxes portion. Current taxes for 2017 are based on unimproved land, with the value of $28,100...
by TropikThunder
Wed Nov 29, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45020

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

My dream list of funds before the new comish free list came out was VTI - US stocks VXUS - Int. Stocks VBR - SCV US Stocks VNQ - Reits BND - US Bonds BNDX - Int Bonds I can probably only keep one of these Vanguard funds in the precious little space of my IRA. Which one is hardest to replicate w new...
by TropikThunder
Wed Nov 29, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7362

Re: Is there any reason to invest in real estate?

As some famous person said (paraphrased), "If you want to invest in real estate, buy an REIT. REIT's never call you up in the middle of the night because their toilet isn't working." Come on now TN :D Let's demolish this oft repeated 'Straw Man' (or 'Red Herring' if preferred) once and for all. If ...
by TropikThunder
Tue Nov 28, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 4975

Re: Chain of command

She receives $82K/yr (not include overtime) and $48K/yr in allowances (paid medical, paid gas, paid auto and paid 2 kids private school). She is our bookkeeper. I haven't decide her salary increase yet. Either I missed something, or I’m in the wrong line of work, or both. But how in the world is a ...
by TropikThunder
Mon Nov 27, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: BLK Friday -Washer/Dryer purchase for future
Replies: 10
Views: 841

Re: BLK Friday -Washer/Dryer purchase for future

We maybe moving in about 2 months. Has anyone purchased W/D from Lowes or HD and deferred taking delivery 60 or 70 days out in future? Any downside to this? I'm not sure about 60-70 days but I'm doing something similar for a new construction purchase to close just before Christmas. Costco seemed to...
by TropikThunder
Mon Nov 27, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 43
Views: 3873

Re: Washer/dryer suggestions?

I spend more time looking at poor reviews than good reviews when buying something as expensive as an appliance. If the one and two star reviews are all about nicks, dings, and scratches you know the reviewers are nitpicking trivial problems, but if they say 'the appliance doesn't perform as adverti...
by TropikThunder
Sat Nov 25, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Unfortunately I learned to save late in life, help me choose optimal 401(K) funds, can't believe I'm turning 40 yrs old
Replies: 10
Views: 1529

Re: Unfortunately I learned to save late in life, help me choose optimal 401(K) funds, can't believe I'm turning 40 yrs

Vanguard Total Bond Market Index Admiral (VBTLX)(.05%) – new option Vanguard Total Stock Market Index Admiral (VTSAX)(.05%)- new option Desired Asset Allocation: 60% stocks / 40% bonds Desired International Allocation: 20% stocks ?? I would just use Total Stock and Total Bond in your 401k. Check th...
by TropikThunder
Sat Nov 25, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Unfortunately I learned to save late in life, help me choose optimal 401(K) funds, can't believe I'm turning 40 yrs old
Replies: 10
Views: 1529

Re: Unfortunately I learned to save late in life, help me choose optimal 401(K) funds, can't believe I'm turning 40 yrs

With both stock and bond markets so high and you having no emergency fund, why do you want to risk your money by investing at this time. Invest only to get the company match, that is free money. Keep it inone market fund and put it to work when market falls. Build an emergency fund first. What if y...
by TropikThunder
Sat Nov 25, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Costco Appliance Sales
Replies: 4
Views: 775

Re: Costco Appliance Sales

While I haven't paid attention to Costco appliance sales I know that Sears has major appliance sales around most major holidays, Thanksgiving, Christmas/New Years, Memorial Day, 4th of July, and Labor Day. I think Home Depot and Lowes pretty much follow the same pattern. Edited to add: Best Buy has...
by TropikThunder
Sat Nov 25, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Costco Appliance Sales
Replies: 4
Views: 775

Re: Costco Appliance Sales

I'm not sure the Citi warranty will cover appliances. Most credit cards deny extended warranty coverage on things that become part of real estate. Some appliances, like dishwashers, ovens and built in microwaves, are definitely part of real estate. Washers, dryers, and refrigerators are more gray. ...
by TropikThunder
Fri Nov 24, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Costco Appliance Sales
Replies: 4
Views: 775

Costco Appliance Sales

I'm appliance-shopping for a new construction house that closes just before Christmas. Costco has a great sale on the W&D and refrigerator I want, and my preference is to buy there to get the longer warranty (which I'll stack with the extended warranty from Citi) but the current Black Friday sale en...
by TropikThunder
Fri Nov 24, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 8904

Re: Why does everyone keep increasing their international stock %?

One reason I admire Jack so much is that he doesn't feel obligated to follow or agree with the current trend , although he doesn't hesitate to start one if he believes it's right! It seems that everyone is arguing with Jack these days about the wisdom of holding a significant percentage of one's po...
by TropikThunder
Fri Nov 24, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 43
Views: 3873

Re: Washer/dryer suggestions?

For type of washer, I think Consumer Reports concluded front loaders still do slightly better than top load HE washers, but both kinds are in most regards well ahead of agitator top loaders . Agitators are cheaper, but top load HE washers clean better, are quieter, and are gentler on clothes. They ...
by TropikThunder
Thu Nov 23, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 13991

Re: Is holding bonds now dangerous?

Is there a study or white paper showing a portfolio of 70% stocks and 30% bonds, produces 90% of the 100% stock return and exactly how much less volatility? From Portfolio Visualizer: Blue is 100% VTSMX (Vanguard Total Stock) and Red is 70% VTSMX/30% VBMFX (Vanguard Total Bond). http://i68.tinypic....
by TropikThunder
Mon Nov 20, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Investing at the top
Replies: 19
Views: 1443

Re: Investing at the top

Let's say that we KNEW for certainty that the market was going to crash 18 months from now. Would it still be better to invest in the market now or hold until the crash? Is there a time frame where it flips. Obviously if you invested today and tomorrow it crashed, you just lost out, but at what poi...
by TropikThunder
Sun Nov 19, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 36
Views: 2908

Re: Collection agency calls intended for another person:

Very interesting responses that are all quite similar, but very surprising. Fraud affects the prices we pay for things, as does not paying one's bills. Tim That may be, but the collection agency is not part of the solution. If I default on my Chase Visa, Chase writes it off as bad debt and sells th...
by TropikThunder
Sun Nov 19, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA
Replies: 8
Views: 1199

Re: Health Equity HSA

Option 4: Do an in-kind transfer from HSA Bank/TD Ameritrade to Lively/TD Ameritrade and reduce your annual cost to $30 ($2.50/month from outside the HSA) Good point, I'll look into Lively. My employer uses HealthEquity, and I do a transfer from them to HSA Bank a couple times per year . I keep a s...
by TropikThunder
Fri Nov 17, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA
Replies: 8
Views: 1199

Health Equity HSA

Well, I have been using HSA Bank for my company-sponsored HSA and finally talked myself into being OK with the commission-free changes at TD Ameritrade (https://www.bogleheads.org/forum/viewtopic.php?f=10&t=229801) since the SPDR Total Stock Market ETF SPTM was "good enough". Then my employer makes ...
by TropikThunder
Tue Nov 14, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: Passive investing is a 'chaotic system' that could be dangerous?
Replies: 20
Views: 1848

Re: Passive investing is a 'chaotic system' that could be dangerous?

Let's take the logical extreme by looking at a situation in which everyone invests only in index funds. No individual company can out- or under-perform the market as a whole since the index funds just buy or sell stocks according to market cap. So, P/E multiples get thrown out of whack because the ...
by TropikThunder
Mon Nov 13, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Getting a home mortgage without spouse?
Replies: 43
Views: 2758

Re: Getting a home mortgage without spouse?

Actually, one spouse buying the property isn't that uncommon. I've had to redo PA's, several times, when the lender calls and tells me to remove one party from the agreement. In MN it takes one signature to buy but two to sell (If married). I see, thanks so much for the information. We live in a co...
by TropikThunder
Sat Nov 11, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9401

Re: Thouhgts about wearing a "uniform"/same thing everyday?

That being said, i do notice that people treat me differently in scrubs v professional attire. I find I get significantly better customer service dressed in professional attire. Honestly, this makes me sad. Why judge a book by its cover? I find the opposite. In most metropolitan areas, you can't sw...
by TropikThunder
Sat Nov 11, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9401

Re: Thouhgts about wearing a "uniform"/same thing everyday?

daveydoo wrote:
Fri Nov 10, 2017 6:49 pm
bob60014 wrote:
Fri Nov 10, 2017 6:24 pm
No, but I walked into a Walmart wearing a blue short sleeve polo and khakis and had 4-5 people coming up to me asking where items were.
Same! Tank top and orange short-shorts to Hooters. Never again.
:shock:

Made a killing in tips though. :beer
by TropikThunder
Sat Nov 11, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan Analysis
Replies: 5
Views: 487

Re: Home Loan Analysis

How is it possible to be putting less than 3% of the purchase price when that's a term of the loan? I was willing to take the high interest rate since they offered a $6,500 credit to cover closing costs. n Asked and answered, as they say on Law and Order. 😉 The down payment, closing costs, and prep...
by TropikThunder
Sat Nov 11, 2017 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6514

Re: Isn't it safer to not sign Credit card?

If you don't sign it, and someone steals your card they can sign it as they see fit and you know what? Then THEIR signature on the receipt will match THEIR signature on the back of YOUR card. That's why you never want to leave it blank. Why let someone else decide what YOUR signature should look li...
by TropikThunder
Thu Nov 09, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) or Roth 401(k)?
Replies: 21
Views: 1986

Re: 401(k) or Roth 401(k)?

I guess it's after-tax 401(k) then! But I will check whether that money can be rolled over to a Roth account. And yes, I will go through the recommended books. Time to invest in an e-reader so I can carry it with me and read :D I thought the consensus advice in the thread was traditional (pre-tax) ...
by TropikThunder
Thu Nov 09, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4240

Re: How old are you and what size is your portfolio?

Wow Iv seen people post much more information about themselves then just the size of the portfolio . Like much much more. I mean its common place on this forum to post all accont balances and holdings etc. Take for instance any of the threads following the "post your profile" instructions. When fil...
by TropikThunder
Sun Nov 05, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2532

Re: Limit Owner Use of Rental Home to Two Weeks?

MarkNYC, thanks for clarifying. We have renters in the unit about 150 days per year. Therefore, we have 15 days available to us without having to pro-rate the expenses. gasdoc No, that's not correct. Please re-read rule #1 listed above. Any personal use causes expenses to be prorated. The 14 day/10...
by TropikThunder
Sat Nov 04, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on Blackrock Lifepath Index funds (2035 as example)
Replies: 7
Views: 499

Re: Opinions on Blackrock Lifepath Index funds (2035 as example)

sunshine25 wrote:
Sat Nov 04, 2017 4:45 pm
Do some companies put their less desirable/popular funds into the target date funds to drive up the fund's business?
You mean like Vanguard's Total International Bond Index? :twisted:
by TropikThunder
Fri Nov 03, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Question Regarding Sweep Accounts
Replies: 7
Views: 624

Re: Question Regarding Sweep Accounts

Sorry if the post was inappropriate, I am just seeking an answer to this. At least for me day trading has been profitable with some holds, but thank you for the advice :sharebeer Not so much that the post was "inappropriate" [Don't Bite The Newbies] but most people on here will have no idea what yo...
by TropikThunder
Fri Nov 03, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans: Best to Pay Down or Wait for Forgiveness?
Replies: 33
Views: 2115

Re: Student Loans: Best to Pay Down or Wait for Forgiveness?

For me it is not just math. You incurred an obligation willingly, so I think you should pay it off. Especially with the assets you own and salary. I don't think this is fair. The law allows for this, just as it allows for tax loopholes and other things. Is forgiveness even possible after more than ...
by TropikThunder
Thu Nov 02, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: CREF VarAnty funds vs TIAA Access TIAA-CREF Mutual Funds
Replies: 12
Views: 827

Re: CREF VarAnty funds vs TIAA Access TIAA-CREF Mutual Funds

When I had TIAA options, CREF Equity had a .37 expense ratio - TIAA seems to be able to change them for different clients (I find it hard to believe, though, that the difference is due to one university's expenses being higher than another). Others might have opinions on this. Simply put, your 403b...
by TropikThunder
Thu Nov 02, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1468

Re: Want to move kids' iPhones to a cell carrier without data overages

That is out of date. Modern iPhones work on CDMA and GSM networks. Note that started with iPhone 6. Prior iPhones had separate CDMA and GSM versions. Well! You made me learn something today. :) I didn’t realize they had done that. I have a 6 on Sprint and have used it numerous times in Europe with ...
by TropikThunder
Thu Nov 02, 2017 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Switching to HSA health plan in middle of 2018 - can I open an HSA now?
Replies: 6
Views: 513

Re: Switching to HSA health plan in middle of 2018 - can I open an HSA now?

Answer FiveK's question. If your parent's plan that you are covered under is an HDHP, you could immediately open your own HSA account and make a 8/12 prorata contribution of the famly plan contribution limit. After you are an individual plan eligible individual under your employer's HDHP, you could...
by TropikThunder
Wed Nov 01, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1468

Re: Want to move kids' iPhones to a cell carrier without data overages

We are currently with Verizon, and I'm not going to switch to their unlimited plan. I'm looking to take my children's cell phones to a new carrier that has either unlimited data or throttled data above the limit without having to pay overages. Does anyone have a recommended carrier? You first need ...
by TropikThunder
Tue Oct 31, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: AA By Account or Total Portfolio? (HSA advice)
Replies: 9
Views: 707

Re: AA By Account or Total Portfolio? (HSA advice)

If I am going for an overall AA of 80% stocks and 20% bonds, then should I be doing this by account or just in my overall portfolio? This question was spurred because my HSA (Optum Bank) provides great Vanguard Admiral share funds for stocks, but for bonds it only has the actively managed Dodge & C...
by TropikThunder
Mon Oct 30, 2017 1:55 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45020

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I think this move by TDA/SSGA could have a silver lining. I believe the AUM for the new SPDR Portfolio funds would grow significantly, and this would give us more choices of ETF TLH partners. Which partners? SPDR would be the only one comission-free , so you will not be able to not exchange into an...
by TropikThunder
Sat Oct 28, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?
Replies: 24
Views: 2755

Re: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?

What/if any are the differences in turnover rates between the Vanguard and State Street etf's you are comparing? Turnover is a cost too and needs to be looked at. Please let us know For VTI, the turnover is 4%, which is extremely low, but intuitively makes sense for a Total Market Fund which really...
by TropikThunder
Sat Oct 28, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?
Replies: 24
Views: 2755

Re: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?

Aren’t limit orders also subject to spread? A penny of spread on VTI matters far less than the huge spreads I’ve been seeing on SPTM (Is it wrong that I n my mental reading voice I say sputum?) lately. Are you sure you have accurate information? People were reporting in the big thread on TDA's chan...
by TropikThunder
Sat Oct 28, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or IRA
Replies: 19
Views: 1454

Re: ROTH OR IRA

... Investing in a traditional account (whether 401k or IRA) is better if taxes during contribution phase are higher than during withdrawal. Roth is better if the reverse is true. To note, many recent retirees were surprised by the large income generated by delayed social security and RMDs, on top ...
by TropikThunder
Sat Oct 28, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or IRA
Replies: 19
Views: 1454

Re: ROTH OR IRA

Careful with the terminology, you seem to be mixing things up. There are traditional and Roth IRAs (individual) and there are traditional and Roth 401ks (through an employer). Investing in a traditional account (whether 401k or IRA) is better if taxes during contribution phase are higher than durin...