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Posts By Maderan
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O-T Lounge
re: Would you fly transatlantic for $15? - Maderan
[quote] that's actually very similar to US price structuring[/quote] In a very basic sense, yes. But the US companies do this to maximize profits when a flight is in demand. US companies have a much higher starting cost so they can get by at much lower load factor....
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O-T Lounge
re: Would you fly transatlantic for $15? - Maderan
Everything for Ryan Air is done on an a la carte basis while in flight. The ticket to fly gets you a seat only and they believe their business is to move people and that is it. The $15 is deceptive. They work on a much different system than US carriers. They are almost pure supply and demand. The...
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Money Talk
re: 401(k) discrimination testing - Maderan
What is the current match? ...
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Soccer Board
re: Report: Minnesota United will be MLS club No. 23 - Maderan
I tend to think of it a bit differently in the US due to geography. You have 20 teams in most major leagues internationally as well as many other well supported teams in lower leagues in each county. Take England for example you have 20 teams in the Premier League but almost every city has one o...
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O-T Lounge
re: OT World Travelers...3 days in Florence.. - Maderan
Loved Florence and thought it was way better than Rome. Check out the Chapel of the Princes,Mausoleum of the Medici Family. It was one of the coolest places in Florence from an art and history perspective. Also really liked the Basilica of Santa Croce. Resting place of Michelangelo, Galileo, ...
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O-T Lounge
re: girl in one of my classes wants my notes - Maderan
This is how I met my wife...but she is hot so I didn't care....
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Money Talk
re: Received an inheritance now how to plan for future retirement? - Maderan
You really should look into a financial advisor. They will help you look long term. At 34 you need to invest to make that money last your life time. Letting it sit and earn cd rates is a big mistake. Your time horizon for the money is so long that you should have some risk based assets in your po...
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Soccer Board
re: For those whose favorite club is abroad. - Maderan
For the majority of us that don't live in an MLS city I think it is easier for us to pick an international team to follow than an MLS one. We already have preconceived notions and have associations with American cities which can make it harder to root for their teams. Most people who follow an i...
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Money Talk
re: 401K matching question. - Maderan
Any employer contributions are not due until the company files its takes for the year, with extensions. For 2014 contributions that could be as late as September of 2015. If it is a discretionary match then they don't have to make it at all. They also don't have to announce the formula for ma...
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Money Talk
re: Should I be offended by this offer from my financial advisor? - Maderan
As an independent RIA he has the flexibility to do this for free but since you say he is not an asset based fee advisor that may be why he wants to charge you. Fixed fee advisors can sometimes be a bit salespersonish for me. As you are paying him for a financial plan I will throw in a word of cau...
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Money Talk
re: Should I be offended by this offer from my financial advisor? - Maderan
Seems like his fixed fee may be determined by asset level. That being said it will take time and effort and he may be using an hourly rate computation. There are many advisory companies that specialize in managing your 401(k) and they charge an asset based fee. This fee can go over 1%. It jus...
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Money Talk
re: CPA/Financial Planner where is the line drawn? - Maderan
Depends. Some CPAs are very savvy and some just know taxes well. My company specializes qualified plans and 90% of our business comes through CPA referrals but most of the time we have to educate them on what is out there....
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O-T Lounge
re: Bae wants a Mercedes SUV - Maderan
Lease, don't buy and you will be fine. You don't want to own one out of warranty....
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Money Talk
re: Capital Gains at Death - Maderan
Negative basis is a lose way of saying negative capital--debt in excess of basis. Many long term real estate investors I work with use this as a term. The basis is not actually negative....
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Money Talk
re: Capital Gains at Death - Maderan
The real estate is the real big issue here. Most of the time if you have held income producing real estate long enough then the cost basis is reduced to zero. If you are investing in real estate then you more than likely will keep leverage (loans) on the property so you can continue to grow a por...
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Soccer Board
re: The "US can't compete because athletes choose other sports" Argument - Maderan
My personal observation is that US soccer isn't concerned with the training of kids till maybe 12 years old. Even the MLS development academies are set up this way currently. They look at development as a funnel with a large amount of players in one end and a few coming out the other. They often...
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O-T Lounge
re: Whats the fastest way to knock out a foreign languange requirement? - Maderan
Testing is pretty easy. I tested out of 12hrs after not having a Spanish class for 3 years. Would recommend. ...
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O-T Lounge
re: Best place to sell iphone 5 - Maderan
I used swappa when selling my GS4 earlier this year. Trade in and gazelle were like $75 to $90 and sold it for $269 on swappa. Thought it was great and you can look at the history of what your phone is selling for and decide how to price it. I went $10 below the average and it sold in 2 days. ...
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O-T Lounge
re: Is there anything decent about Slidell? - Maderan
There is a lot more money in Slidell than you would think. Some really nice areas. ...
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O-T Lounge
re: What is the best thing you have ever won in McDonald's Monopoly? - Maderan
$20 in cash instant win. Was at the one on Burbank and Lee....
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Posts By Maderan
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