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Favorite team:LSU 
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Number of Posts:548
Registered on:2/1/2005
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re: Question regarding my IRA investment fees - Maderan
High fees but that isn't always the end of the story. Performance is net of fees so if you have the option of a cheap fund with ok performance or an expensive fund with top tier performance the expensive one could still be the better option. For those less inclined to doing their own research I w...
Posted on Money Talk
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re: The cost of $100 million - Maderan
I have to agree that the MLS is a positive for US soccer but it still is way too limited to have great effect. Our biggest challenge is geography and the infrastructure needed. Both Germany and England are roughly the same size as the state of Louisiana. England has roughly 5300 clubs and 7000 t...
Posted on Soccer Board
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re: 2016: Volvo XC60 vs Acura MDX vs Toyota Highlander - Maderan
2016 Honda Pilot...
Posted on O-T Lounge
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re: $250,000 income qualifies you for subsidized housing - Maderan
Not in NOLA for a family with several kids. In the Burbs maybe....
Posted on O-T Lounge
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re: $250,000 income qualifies you for subsidized housing - Maderan
[quote]This is such shite. I just want to reiterate that[/quote] :lol: I agree, not my actual expenses but it isn't inconceivable either. The car notes are only for prices in the mid 40ks so some of the keep up with the Jones types will be stretched even further. I also don't see any value in pay...
Posted on O-T Lounge
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re: $250,000 income qualifies you for subsidized housing - Maderan
New Orleans. $3,000 for a home payment equates to a $560,000 house with 20% down and a mortgage balance of around $450k plus annual taxes and insurance. If you are looking in a nice area here that is hardly a high price. Top private schools are all 18k+ per kid....
Posted on O-T Lounge
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re: $250,000 income qualifies you for subsidized housing - Maderan
[quote]So lets say you have a real nice house= $2500 a month note Nice cars- $1,000 a month note two little shits private school if needed= $1500 a month cable bill-$200 a month cell phone=$200 a month electricty=$200 a month gas= $250 a month groceries=$500 a month [/quote] Reality is mor...
Posted on O-T Lounge
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re: I made a costly mistake on last year's tax return..... - Maderan
They can be converted right away but...you want to avoid any issues with Step Transaction Doctrine. This Doctrine basically states that if the separate steps of non-deductible IRA contribution and subsequent conversion are done in rapid succession, there is a risk that, if caught, the IRS and Ta...
Posted on Money Talk
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re: Roth IRA not elegible for contribution - Maderan
Back door Roth will not reduce your taxable income....
Posted on Money Talk
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re: I made a costly mistake on last year's tax return..... - Maderan
If you can't contribute then you still can convert to a Roth. Make your contributions to a nondeductible Traditional IRA (made with after tax dollars so no tax deduction). Let the funds sit in that account for more than a month and then do a Roth conversion on the account. The conversion is a nontax...
Posted on Money Talk
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re: Life has no meaning anymore - Maderan
Actually life has never had a meaning or purpose. But that should be freeing and not depressing. Fill you life with love and you will be happy. Focus on anything else and life will never be as sweet as you could make it....
Posted on O-T Lounge
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re: DOL fiduciary standard rule - opinions from investors/advisors? - Maderan
The rule is much more about qualified plans (401k, profit sharing, etc) than accounts (IRA). It is going to impose fiduciary standards on the advisors selling qualified plans. It will essentially force them to go the fee route and align their decisions and recommendations with the interests of p...
Posted on Money Talk
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re: Secured LOCs: What is the point? - Maderan
Very low lending rates. Cheap access to capital. Easy way to pay off higher interest debt. ...
Posted on Money Talk
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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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