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Favorite team:LSU 
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Number of Posts:534
Registered on:2/1/2005
Online Status:Not Online

Recent Posts

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re: Talk me out of a 7 Year - Adjustable Rate Mortgage loan - Maderan
Don't be afraid of the ARM just because of its bad reputation. We really benefited by using an ARM for our first house that we knew we were going to be out of in 5 years. We looked at what a 30 year fixed loan payment and amortization schedule would have been. Then we looked at ARMs but paying ex...
Posted on Money Talk
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re: Can't Hardly Wait vs American Pie - Maderan
Have to go with Empire Records or Mallrats over either of CHW and AP....
Posted on Movie/TV Board
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re: 401k matching question - Maderan
[quote]Companies handle this in any number of ways. A few years ago, it became somewhat en vogue for employers to withhold 401k contributions until a single specific timeframe. Obviously, this gave the employer additional leverage over the employee as the employee would lose earned contributions in ...
Posted on Money Talk
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re: Looking to buy a Galaxy S5 - Maderan
Check out swappa.com I have used it before for phones and liked my experience. It will let you find the phone you are looking for for your carrier. You will be paying the used market rate for the phone based on supply and demand. Also a good place to sell your old phone. We have gotten much m...
Posted on Tech Board
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re: 401k matching question - Maderan
They have until they file taxes the following year (including extensions) to make the deposit. Some companies may make it on a payroll by payroll basis but it is up to the employer. ...
Posted on Money Talk
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re: The best line in movie history. - Maderan
A couple I've always liked. Not the best but haven't seen them yet. "Hey. You're talking to my guy all wrong. It's the wrong tone. Do it again and I'll stab you in the face with a soldering iron." Joe Dirt [link=(https://www.youtube.com/watch?v=jWsFbybkgHM)]LINK[/link] -Have you ever transc...
Posted on Movie/TV Board
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Nebraska Syndrome - Maderan
I worry about us having what I am going to call "Nebraska Syndrome". Nebraska fired Frank Solich in 2003 after a 10-3 season. He had a 75% win percentage in his tenure of 6 years. The fan base believed that he couldn't get them past the mediocrity of not having a perfect record. Since then the have ...
Posted on Tiger Rant
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re: Benefits of a Roth 401K vs a Traditional 401K? - Maderan
The other advantage of the Roth is tax you can contribute more on a net basis if you can afford to. $18,000 in pretax contributions is not equal to $18,000 in Roth contributions....
Posted on Money Talk
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re: Alternative data in investing: Hedge Funds use JCPenny parking lot data to trade - Maderan
This is a pretty common industry practice for most major stores. ...
Posted on Money Talk
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re: The Food Lab: Foolproof Onion Rings - Maderan
Wet batter onion rings are not good....
Posted on Food and Drink
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re: Advice for my son's soccer development. [wall-o-text] - Maderan
I have a bit of a different opinion than some of the above. I would probably say to leave him in U-10. It is better for him mentally at that age to be the dominant player and built on that confidence as he gets older. I don't think playing a kid up is a good idea unless he will still be one of the t...
Posted on Soccer Board
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re: inheritance question - Maderan
No annuity. Way better off elsewhere. ...
Posted on Money Talk
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re: Backdoor Roth IRA contributions- IRS step transaction treatment - Maderan
Very low chance of that ever happening. It is only applicable in tax court and can't just be assessed by the IRS. They would have to catch it during an audit (low chance of audit, lower chance they find it) and then decide it was worth applying the rule to by taking you to tax court. Essentially...
Posted on Money Talk
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re: Ready to do a single 401k, need advice.. - Maderan
SEP is SEP-IRA. SEP is employer contributions only and there are no employee contributions. It does not affect your ability to contribute to a Roth IRA which is an individual contribution and not associated with an employer sponsored plan. ...
Posted on Money Talk
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re: 401k rollover question - Maderan
Ignore above. You are not taxed on rolling over into an IRA. You can, of course, invest all of your own money. You will be taxed on any distributions you take. ...
Posted on Money Talk
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re: Ready to do a single 401k, need advice.. - Maderan
Find someone who is fee only. Loads have zero place in a retirement account, or really any investment account. Depending on the future of your organization(will you have other employees?) and the amount you want to contribute you may want to go with a SEP instead of a solo k. For 2015 SEP li...
Posted on Money Talk
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re: U.S. soccer making changes to youth set up - Maderan
There will be a lot of kids playing up in the first few years....
Posted on Soccer Board
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re: Dinner recommendations in NYC and Boston - Maderan
If you like sushi go to o ya in Boston. Pricey but awesome. One of my favorite places anywhere and not like anything you will get at a typical sushi restaurant....
Posted on Food and Drink
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re: A cool story bro about bob Pettit..... Or not - Maderan
Nah, he is super nice. Nothing to see here....
Posted on Tiger Rant
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re: Are music ringtones trashy? - Maderan
I have been using the Knight Rider theme song for about a decade. No voice over just the music....
Posted on O-T Lounge
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