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Posts By GoIrish02
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New Orleans Saints Talk
re: Sirius NFL reported Saints and Rams are trying to move up to #2 - GoIrish02
Lacanfora getting/spreading more BS from a "former Saints defensive coordinator" who now works for the Rams and/or Lacanfora is still irked about CSP calling him a muckraker after the Pittsburgh game last year. It's a long off-season, all these pseudo journalists have to fabricate garbage to kee...



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Money Talk
re: Flood insurance rate increases - GoIrish02
[quote]I hope you understand this is a subsidy for people to live in disaster prone areas. That is all it is. Republicans/Red State Louisiana highly support it but don't realize it is a subsidy. Those same people scream about handouts to everyone else. I also hope everyone's rate increases enough to...
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Money Talk
re: Question about Vanguard funds - GoIrish02
The vanguard website will have the shareholder report for every fund they have in their research section. ...
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Money Talk
re: Settle the argument: Max out Retirement or Pay off house? - GoIrish02
[quote]if you want to be financially flexible and able to adapt easily and quickly to changing financial situations, being debt averse is preferred. [/quote] Flexibility is available to those with liquidity, not those who put cash into illiquid assets, like home equity. If you lose your job, ...
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Money Talk
re: Settle the argument: Max out Retirement or Pay off house? - GoIrish02
[quote] Depends on where you are in the stages of your home loan. First 5-10 yrs, I'd probably pay on the house because it's all going to interest......[/quote] Saving future interest does not equate to making money. Investing in an asset that increases in value over time makes money. Paying...
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Money Talk
re: Settle the argument: Max out Retirement or Pay off house? - GoIrish02
The rate on the mortgage is almost certainly lower than the ROI in a Roth, plus it's tax deductible, lowering the effective interest rate. Your friend is also forgetting one of the most important and most overlooked concepts in finance, the time value of money. If you have the opportunity to ...
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Money Talk
re: Obama wants to tax 529 Tax-Free college plans - GoIrish02
[quote]Do you think that they will make tax advantaged accounts worse off than taxable?[/quote] If they were to tax a qualified account like a 529 like an IRA, it would be far worse than a taxable account. Withdrawals would be taxed as income, at the parent's/owner's rate (not the child's/benefic...
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Money Talk
re: Obama wants to tax 529 Tax-Free college plans - GoIrish02
The relative amount of money in Roth IRAs to money in traditional IRAs and 401k plans is such a pittance it wouldn't make a difference. Seizure of traditional plans is much more likely first because of the scale. See Theresa Ghilarducci's plan for seizing all qualified tax deferred plans. She w...
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O-T Lounge
re: Most overpaid professions - GoIrish02
Gross margins are only about 20-25% of revenue in a well run insurance agency, 10-15% at older agencies. Revenue is defined as commission income, not gross premium. Most of your insurance dollar goes to the company to pay out claims in the current year and run the insurer, about 0.80 - 0.85 of ev...
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Political Talk
re: How would transportation (bus, train) operate in a free market? - GoIrish02
You can get a Chinatown bus to and from just about any city in the northeast for a few dollars, on a nice bus with a movie and free wifi. Plus they pretty much put greyhound out of business and Amtrak is uncompetitive versus the Chinatown busses. I took a bus from Chinatown in Manhattan to D.C. ...
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Money Talk
re: Solo 401(k) Add the Spouse question - GoIrish02
Congratulations, you're not stupid. Anything you spent on medical expenses this year is reimbursable as long as you set it up during the calendar year. Good luck!...
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O-T Lounge
re: Recommendations on bootcut jeans that arent slim/skinny jeans? - GoIrish02
Levi's 527...
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Money Talk
re: Solo 401(k) Add the Spouse question - GoIrish02
Yes, must be adopted and set up by 12\31, all expenses for 2014 are eligible. It's just a word document your wife signs and she can submit a medical expense report at an interval you decide. Find Bradford's tax reduction newsletter online and a sample plan is free when you sign up for the letter...
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Money Talk
re: Solo 401(k) Add the Spouse question - GoIrish02
Add a section 105 health reimbursement plan instead, combined with a high deductible health plan, which allows you to pay 100% of all medical expenses (high deductible and all premiums) and contribute the maximum to an hsa each year as your spouse's sole source of remuneration. A section 105 rei...
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Money Talk
re: My pathetic and inadequate 17/18 year retirement window. Advice Welcomed. - GoIrish02
Roth 401k is superior to an SEP, as you can defer $18,000 in income plus the same profit sharing amount as an SEP....
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Money Talk
re: Car buying situation-Need advice - GoIrish02
[quote] Then get a burner phone and list on Craigslist.[/quote] I use Google voice for everything I sell on craigslist. You should be able to at least break even on a Honda. Get coach guidry and/or offer 3% over invoice, but not on a pilot. I looked at one last week and was very disappointed...
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Money Talk
re: About to be self employed...should I go LLC? - GoIrish02
[quote]an additional tax return (you'll still file personal taxes, plus the corporate taxes), it will cost you to incorporate[/quote] Schedule C is your friend. No need to file corporate returns or elect S corporation status to get the limited liability protection of an LLC. S corporation status ...
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Money Talk
re: Retiring at 50 - how do you calculate how much you need? - GoIrish02
[quote]$3.5 million in financial assets, minimum. [/quote] I was having this discussion with my dad recently and we came up with $3 million today. Based on a 4-6 percent annual withdrawal rate, this sum would yield $140,000 ~ $180,000 per year forever and not erode the principal sum. This is ...
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New Orleans Saints Talk
re: Where are the Loomis threads? - GoIrish02
[quote] We need more bad boys on this team. [/quote] Who know how to tackle, instead of doing commercials for 5 minute oil change. Sorry for the thread hijack, just pissed at Vaccaro. Even the bad boys get soft under this regime....



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New Orleans Saints Talk
re: Bobby is so wasted - GoIrish02
Turn it on, he's naming names... Unloading on the O Line right now...



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Posts By GoIrish02
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