Closed Thread
Page 409 of 486 FirstFirst ... 359 399 407 408 409 410 411 419 459 ... LastLast
Results 8161 to 8180 of 9703
  1. #8161
    BG Content
    Join Date
    Jul 2007
    Posts
    21,105
    BG Level
    10
    FFXI Server
    Lakshmi
    Blog Entries
    1

    IIRC you should get a Roth if you anticipate your tax rate on income when you retire will be higher than it would be currently. The deal is that you pay taxes on money you contribute to a Roth IRA (it counts as present income), but you don't pay taxes on it when it comes out. It's the opposite for as normal IRA. There are other things you could consider, like what changes you expect will happen to the tax code in your lifetime, but if you assume constant tax code then the question is basically how much income (money-deductions) you're making now vs. in pension when you retire.

    idk anything about healthcare plans.

  2. #8162
    I like to eat food
    Join Date
    Jun 2007
    Posts
    9,148
    BG Level
    8

    Quote Originally Posted by Zetanio View Post
    Even then it's still 100% worth it. You're getting free money.
    This. I maxed my match as soon as it was available to me to start contributing.

  3. #8163
    Atheist Douchebag.
    Pony Slayer of the House of Weave

    Join Date
    Oct 2006
    Posts
    21,387
    BG Level
    10
    FFXIV Character
    Zetanio Breaux
    FFXIV Server
    Gilgamesh
    FFXI Server
    Odin

    Go for Roth imo. You have a Republican President, Congress, Senate, and soon to be Supreme Court. Your taxes aren't going up during the next 4 years of your pay-in period. Good enough for now.

  4. #8164
    Hackey Thread Lurker since 2010
    I could have bought an 11 pull and have 1000 gems left over, but all I got was this silly title.

    Join Date
    Dec 2005
    Posts
    7,668
    BG Level
    8

    Max out your FSA ($2600). Shit isn't taxed and you're gonna use it all up to pay for all the doctors visits and Rx.

  5. #8165
    Campaign
    Join Date
    Feb 2010
    Posts
    6,995
    BG Level
    8
    FFXI Server
    Sylph

    Yes, pre-tax money on post-tax expenses. FSA in your position is indeed a no brainer. You're making an extra....$600ish off the savings that way.

  6. #8166
    The Shitlord
    Join Date
    Feb 2008
    Posts
    11,366
    BG Level
    9
    FFXIV Character
    Kharo Hadakkus
    FFXIV Server
    Hyperion
    FFXI Server
    Sylph
    WoW Realm
    Rivendare

    well, after chatting with my dad, the FSA would indeed be worth it... except i'm still on medicare, and will be for at least 9 months, so i'm not really sure how much of my deductible i'll actually be paying, and since I lose any of the FSA I don't spend, it's better to just budget carefully... and since i'll be in a pretty low tax bracket, i'm really only paying a few extra cents. if/when I no longer need disability, I can let that drop and start the FSA up in the next open-enrollment, which should be around then anyway.


    it's a good job but it's still entry-level, so i'm still "only" making $15/hr hourly. I mean, that's fantastic for entry level, especially in addition to all the other benefits, but it's not gonna bump me up much in the tax brackets.

  7. #8167

    I opened an account on Scottrade and put some $ on there.
    Then Robinhood came out.

    Other than advanced plays and analysis, is there any reason I'd want to use something like scottrade over robinhood?

    Seems to me that I should just use the free trade app and be on my way rather than $7/trade.

  8. #8168
    Atheist Douchebag.
    Pony Slayer of the House of Weave

    Join Date
    Oct 2006
    Posts
    21,387
    BG Level
    10
    FFXIV Character
    Zetanio Breaux
    FFXIV Server
    Gilgamesh
    FFXI Server
    Odin

    Wat.

    No.

  9. #8169
    Ironing this Thread
    Sweaty Dick Punching Enthusiast

    Join Date
    Feb 2006
    Posts
    21,464
    BG Level
    10
    FFXIV Character
    Boyiee Star
    FFXIV Server
    Gilgamesh
    WoW Realm
    Kel'Thuzad

    Quote Originally Posted by Zetanio View Post
    Wat.

    No.
    Stop being so cryptic and make us all money damnit, we want $1000 sushi too Zet!

  10. #8170
    The Shitlord
    Join Date
    Feb 2008
    Posts
    11,366
    BG Level
    9
    FFXIV Character
    Kharo Hadakkus
    FFXIV Server
    Hyperion
    FFXI Server
    Sylph
    WoW Realm
    Rivendare

    Continuing my "bane got a life" win/livejournal, as I was leaving work today, I overheard my trainer call me out in a good way to one of the supervisors. He knew I was on my way out of the room and he's a sharp fella so it's plausible he could have just been doing that intentionally as a motivator but I don't care. such a good feeling.

    I'm pretty optimistic about my career opportunities there. I'm trying not to let my imagination run away with me but I could see myself being a supervisor in maybe a couple years.

  11. #8171
    Atheist Douchebag.
    Pony Slayer of the House of Weave

    Join Date
    Oct 2006
    Posts
    21,387
    BG Level
    10
    FFXIV Character
    Zetanio Breaux
    FFXIV Server
    Gilgamesh
    FFXI Server
    Odin

    Quote Originally Posted by Boyiee View Post
    Stop being so cryptic and make us all money damnit, we want $1000 sushi too Zet!
    I am not allowed to give specific advice but day trading is for fucking idiots.

    Get a Roth IRA with Vanguard and invest in their passive shit.

  12. #8172
    Ironing this Thread
    Sweaty Dick Punching Enthusiast

    Join Date
    Feb 2006
    Posts
    21,464
    BG Level
    10
    FFXIV Character
    Boyiee Star
    FFXIV Server
    Gilgamesh
    WoW Realm
    Kel'Thuzad

    Yes you are shut up series 7 is for boobs

  13. #8173
    Atheist Douchebag.
    Pony Slayer of the House of Weave

    Join Date
    Oct 2006
    Posts
    21,387
    BG Level
    10
    FFXIV Character
    Zetanio Breaux
    FFXIV Server
    Gilgamesh
    FFXI Server
    Odin

    Quote Originally Posted by Boyiee View Post
    Yes you are shut up series 7 is for boobs
    I mean I agree but I have that shit and I can't be getting in trouble. You turds need to diversify yo bonds.

  14. #8174
    I'll change yer fuckin rate you derivative piece of shit
    Join Date
    Sep 2006
    Posts
    55,020
    BG Level
    10

    Vanguard is da bes, all my IRAs are in there, wife's too. Traditional, Roth, SEP, come at me bro

  15. #8175
    I like to eat food
    Join Date
    Jun 2007
    Posts
    9,148
    BG Level
    8

    At The Drive In tickets went up for sale at noon EST for the shows they cancelled the first time around because of Cedric's throat polyps. As previous ticket holders, we were supposed to get an email (friends and I) but never did. Saw they went on sale and was sure I wouldn't get them at this point.

    Got 4 for the friends and I. Hopefully they don't cancel the show when we're 5 feet from the door this time.

  16. #8176

    Sweaty Dick Punching Enthusiast

    Join Date
    Mar 2010
    Posts
    21,251
    BG Level
    10
    FFXI Server
    Quetzalcoatl

    Quote Originally Posted by Zetanio View Post
    I mean I agree but I have that shit and I can't be getting in trouble. You turds need to diversify yo bonds.
    Works for Wu-Tang financial confirmed.

  17. #8177
    Shimmy shimmy ya shimmy yam shimmy ya
    Sweaty Dick Punching Enthusiast

    Join Date
    Nov 2007
    Posts
    43,623
    BG Level
    10

    Not my win, but on my way to work there was a family van with the kids inside watching the original TMNT cartoon. Parents of the year.

  18. #8178
    You wouldn't know that though because you've demonstrably never picked up a book nor educated yourself on the matter. Let me guess, overweight housewife?
    Join Date
    Mar 2006
    Posts
    22,966
    BG Level
    10
    FFXIV Character
    Allyra Arianos
    FFXIV Server
    Sargatanas
    WoW Realm
    Windrunner

    Three week vacation begins!

  19. #8179
    Atheist Douchebag.
    Pony Slayer of the House of Weave

    Join Date
    Oct 2006
    Posts
    21,387
    BG Level
    10
    FFXIV Character
    Zetanio Breaux
    FFXIV Server
    Gilgamesh
    FFXI Server
    Odin

    Teaching sounds tough.

  20. #8180
    You wouldn't know that though because you've demonstrably never picked up a book nor educated yourself on the matter. Let me guess, overweight housewife?
    Join Date
    Mar 2006
    Posts
    22,966
    BG Level
    10
    FFXIV Character
    Allyra Arianos
    FFXIV Server
    Sargatanas
    WoW Realm
    Windrunner

    Quote Originally Posted by Zetanio View Post
    Teaching sounds tough.
    Lol.
    I have to enjoy it because this is the last year we get three weeks.
    I'm ok with it though because they are going to start the school year later. We started August 16th this year and that was way too early.

Similar Threads

  1. Psychic wins the Lottery!
    By Gares in forum General Discussion
    Replies: 9
    Last Post: 2007-01-24, 11:46
  2. The "Bash that country" thread.
    By Senoska in forum General Discussion
    Replies: 24
    Last Post: 2006-12-19, 13:49
  3. WHAT THE FLYING FUCK???
    By Avvesione in forum General Discussion
    Replies: 62
    Last Post: 2006-12-08, 07:46
  4. The Never Ending Story Thread
    By Eddie in forum General Discussion
    Replies: 74
    Last Post: 2006-10-04, 06:48
  5. The Official Wilford Brimley Thread
    By JoOeetheplatypuS in forum General Discussion
    Replies: 0
    Last Post: 2006-09-27, 13:29