Search found 670 matches

by stuper1
Thu Jan 17, 2019 10:24 pm
Forum: Cash
Topic: FDIC risk
Replies: 11
Views: 226

Re: FDIC risk

From what I've read, once you are in with $50k+, you can let your amount in the fund drop below $50k and they won't kick you out. Not sure about check writing.
by stuper1
Tue Jan 15, 2019 3:22 pm
Forum: Bonds
Topic: Bonds and IRAs
Replies: 12
Views: 180

Re: Bonds and IRAs

If you have room to do Roth at 12% or lower taxes now, I would jump all over that. Odds seem high that tax rates will be headed up at some point. Even if that turns out to be incorrect, you will have lost little or nothing by doing Roth at 12% taxes. The only caveat would be if you are in a high-tax...
by stuper1
Tue Jan 15, 2019 1:44 pm
Forum: Bonds
Topic: Bonds and IRAs
Replies: 12
Views: 180

Re: Bonds and IRAs

If your marginal tax rate is 10% or 12% in 2018, then a Roth IRA seems very attractive. If your marginal tax rate is 22% or more, then the decision gets harder. You have to forecast what you think your tax rate in retirement might be.
by stuper1
Fri Jan 11, 2019 10:37 am
Forum: Other Discussions
Topic: Limiting tax-deferred savings
Replies: 15
Views: 460

Re: Limiting tax-deferred savings

If iORP isn't showing a change there then doesn't that basically mean that it estimates you will be in the same marginal tax bracket in retirement as you are now? And if that is the case, then truly it doesn't matter which way you go. Unless I'm misunderstanding, which is very possible. I'm no exper...
by stuper1
Tue Jan 08, 2019 7:36 pm
Forum: Other Discussions
Topic: Trump as tragicomedy
Replies: 766
Views: 61289

Re: Trump as tragicomedy

How about this: However, I wonder if she, as a Muslim woman, has any sense of appreciation for her right to say that without having to worry about having her head chopped off.

This is fun. Let's try re-writing a whole bunch of other posts and see who can do the best job.
by stuper1
Mon Jan 07, 2019 3:54 pm
Forum: Other Discussions
Topic: Trump as tragicomedy
Replies: 766
Views: 61289

Re: Trump as tragicomedy

Trump, the ultimate grammar Nazi, will have the SS visiting you soon to throw you into a caged death camp, along with all the journalists that are already rotting there.
by stuper1
Sat Jan 05, 2019 3:12 pm
Forum: Other Discussions
Topic: Limiting tax-deferred savings
Replies: 15
Views: 460

Re: Limiting tax-deferred savings

Try to estimate what tax bracket you will be in when you get to age 70+ and RMDs kick in, keeping in mind that the Trump tax cuts expire in however many years. Compare that to your current tax bracket. Unless you will clearly be in a higher tax bracket when you get to 70, then I would keep deferring.
by stuper1
Fri Jan 04, 2019 3:59 pm
Forum: Permanent Portfolio Discussion
Topic: Where to Start Out...
Replies: 9
Views: 1522

Re: Where to Start Out...

KaizenKings, You say that you are new to investing. If you feel comfortable telling us more about yourself (your age, number of years to retirement, annual savings rate compared to annual expenses, employability, access to 401k, etc.), we may be able to give you some better advice. Harry Browne reco...
by stuper1
Wed Jan 02, 2019 11:22 am
Forum: Other Discussions
Topic: Trump as tragicomedy
Replies: 766
Views: 61289

Re: Trump as tragicomedy

Why do we need a minimum wage at all? I thought we had a free-market economy. That's what the media likes to claim when it's convenient. Let market forces decide what each person's labor is worth. I suspect, although maybe it's hard to prove, that on the whole, a minimum wage just ends up taking job...
by stuper1
Wed Dec 26, 2018 4:17 pm
Forum: Other Discussions
Topic: Trump as tragicomedy
Replies: 766
Views: 61289

Re: Trump as tragicomedy

I have no problem considering the mainstream media as the enemy of me any my family. Seems about right at this point. I think they are far more likely to cause me harm than I am to cause them harm with a rope or anything like that.
by stuper1
Wed Dec 26, 2018 3:13 pm
Forum: Other Discussions
Topic: Trump as tragicomedy
Replies: 766
Views: 61289

Re: Trump as tragicomedy

It's okay to call them Fake News but not okay to call them the Enemy of the People. Haha, seems to me just two ways to say the same thing. This is why Trump got elected. People of all political stripes always say they are tired of two-faced politicians. Finally one comes along that just calls things...
by stuper1
Wed Dec 26, 2018 2:37 pm
Forum: Other Discussions
Topic: Trump as tragicomedy
Replies: 766
Views: 61289

Re: Trump as tragicomedy

For anyone who thinks that Trump is wrong to label the mainstream media as fake news, can you please explain their current coverage of his conversation with a child about Santa Claus? ... And yet people are saying, apparently with straight faces, that he is threatening our First Amendment rights by...