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Location:Baltimore, MD
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Registered on:4/16/2008
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re: Early Retirement - Feed Me Popeyes
I'm in the process of doing so. To answer your question, look into the "Roth Conversion Ladder" as explained [link=(http://www.madfientist.com/traditional-ira-vs-roth-ira/)]here[/link]. Between that and a decent balance in taxable accounts, I should have those bridge years between early retirem...
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re: Saving money 101 - Feed Me Popeyes
Make a budget and stick to it. Invest the difference. Calculate your savings rate, then start aiming to bump it up by 1% every month until it hurts. Go through Vanguard for all non-employer based investment accounts and stick with their ETFs/funds. If you don't prefer Vanguard, be mindful of f...
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re: Compact SUV advice? - Feed Me Popeyes
[quote]the compact SUV category is overpriced, IMHO. Think long & hard about whether you need the cargo capacity, high clearance, etc before you buy. I ended up with a compact hatchback and a sedan....the compact hatch (with rear seat folded down) holds more than most small SUVs, and both cars are...
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re: How to utilize a 457B plan? - Feed Me Popeyes
The best strategy is to max it out if you can. You will: save an additional $18k pre-tax per year (on top of whatever you do with your 401/403 option), reduce your overall tax burden, and have the ability to withdraw contributions penalty-free at any time post-separation. Win, win, win 457b plan...
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re: Which Mortgage Refinance Option - Feed Me Popeyes
if you are willing to invest every cent of the ~$2,500 difference in closing costs (and let that investment grow long term) AND you itemize your taxes, option 1 if you invest the difference but you don't itemize your taxes, it's a closer call but still option 1 if you won't invest, option 2 ...
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re: Discussion about retirement spending and how much you should save... - Feed Me Popeyes
If you're interested in strategies other than the 4% safe withdrawl rate, [link=(http://www.marketwatch.com/story/which-withdrawal-strategy-should-you-use-in-retirement-2015-04-18?page=1)]this[/link] sums up Wade Pfau's scholarly [link=(http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2579123&down...
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re: Discussion about retirement spending and how much you should save... - Feed Me Popeyes
I've done an absurd amount of research on this topic for my own situation. It's quite interesting. The 4% rule is often misunderstood. It isn't 4% of the nest egg each year. It is 4% of the amount of your nest egg in the first year, which is then adjusted every year thereafter for inflation ove...
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re: any military have TSP info? - Feed Me Popeyes
I'm at: 43% C 38% S 15% I 2% F 2% G Edit: If I didn't have so much allocated to large-cap funds outside of my TSP, I'd probably be around 65% C and 15% S ...
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re: . - Feed Me Popeyes
Assuming the price is right and there are no hidden fees, I feel good about financing pretty much anything at 0%...
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re: Choose 1: Retire 15 years earlier or wait till retirement for 2x nest egg - Feed Me Popeyes
[quote]I feel sorry for yall so interested in retiring so early. A man has to work. Quit being lazy I like my job even though I was in office from 8 to 8 yesterday. [/quote] you presume to know so much and yet you know so little ...
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re: Choose 1: Retire 15 years earlier or wait till retirement for 2x nest egg - Feed Me Popeyes
Option A We are 100% pursuing this option right now....
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re: Engagement Ring Questions - Feed Me Popeyes
I went on Amazon and found a few suppliers that were offering the ring I was after, then tracked down those suppliers individually and picked from the most reputable at the price I wanted. Saved about $1k vs. the listed price on Blue Nile and ordering direct ended up being cheaper than the Amazon p...
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re: Can I get Euro at a Regions bank? - Feed Me Popeyes
[quote]Be sure to contact your bank/credit card company in advance of your travel and let them know you will be traveling out of country[/quote] this [quote]use his debit card at an ATM on arrival [/quote] and this ...
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re: Where in your house would you hide 2k in cash? - Feed Me Popeyes
Use this as an excuse to make a book safe :pimp: [link=(http://www.artofmanliness.com/2010/12/07/how-to-make-a-secret-book-safe/)]LINK[/link]...
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re: Student Loan Debt Forgviness - Feed Me Popeyes
there was a recent thread with plenty of info here: [link=(http://www.tigerdroppings.com/rant/p/56486997/student-loan-repayment-options-explained/)]LINK[/link]...
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re: somebody talk me out of this (car related) - Feed Me Popeyes
[quote]For 2% I would try to finance the entire thing. [/quote] ...
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re: Student Loan Repayment Options Explained - Feed Me Popeyes
Yeah, that's about what I've found. This from IRS Pub. 970: [quote]To qualify for tax-free treatment, for the cancellation of your loan, your loan must have been made by a qualified lender to assist you in attending an eligible educational institution and contain a provision that all or part of ...
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re: Student Loan Repayment Options Explained - Feed Me Popeyes
[quote]Currently doing this, and I printed out the IRS publication that mentions it being tax free. I'm almost 95% sure that when it comes time to write it off someone will drop the ball and issue me a 1099. At which point I will take the position it is not taxable and attach a copy of my IRS public...
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re: Student Loan Repayment Options Explained - Feed Me Popeyes
deleted ...
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re: Is buying a $24k car on $50k salary dumb? - Feed Me Popeyes
[quote]Is buying a $24k car on $50k salary dumb? [/quote] yes...
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