re: Talk me out of a 7 Year - Adjustable Rate Mortgage loan - Maderan on 2/10/16 at 4:08 pm
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...Jump to Post - View Topic - Replies (0)
re: 401k matching question - Maderan on 1/13/16 at 9:43 am
[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 ...Jump to Post - View Topic - Replies (0)
re: Looking to buy a Galaxy S5 - Maderan on 1/13/16 at 9:38 am
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...
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re: 401k matching question - Maderan on 1/13/16 at 9:33 am
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. ...Jump to Post - View Topic - Replies (1)
re: The best line in movie history. - Maderan on 12/14/15 at 2:37 pm
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...
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Nebraska Syndrome - Maderan on 11/20/15 at 9:31 am
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 ...
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re: Benefits of a Roth 401K vs a Traditional 401K? - Maderan on 11/17/15 at 2:08 pm
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....Jump to Post - View Topic - Replies (0)
re: Alternative data in investing: Hedge Funds use JCPenny parking lot data to trade - Maderan on 11/13/15 at 2:11 pm
This is a pretty common industry practice for most major stores. ...Jump to Post - View Topic - Replies (0)
re: Advice for my son's soccer development. [wall-o-text] - Maderan on 9/16/15 at 11:29 am
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...
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re: Backdoor Roth IRA contributions- IRS step transaction treatment - Maderan on 9/9/15 at 1:48 pm
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...Jump to Post - View Topic - Replies (0)
re: Ready to do a single 401k, need advice.. - Maderan on 8/28/15 at 3:19 pm
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. ...Jump to Post - View Topic - Replies (1)
re: Ready to do a single 401k, need advice.. - Maderan on 8/28/15 at 2:31 pm
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...Jump to Post - View Topic - Replies (2)
re: Dinner recommendations in NYC and Boston - Maderan on 6/26/15 at 10:28 am
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....
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