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| Favorite team: | Auburn  |
| Location: | |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 2026 |
| Registered on: | 4/11/2019 |
| Online Status: | Not Online |
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re: Question about Tax on Retirement Accounts
Posted by Niner on 5/11/23 at 12:16 pm
[quote]Brokerage accounts are not retirement accounts, [b][u]so withdrawals are taxable at your ordinary income tax rate.[/u][/b][/quote]This is not correct.
Roth IRA/401k = tax-free withdrawals
Traditional IRA/401k/403b = [b][u]taxed at ordinary income tax rate[/u][/b]
Brokerage accounts = no ...
2
re: Wife using maiden name as middle name
Posted by Niner on 3/29/23 at 6:38 am
My buddy's wife kept her middle name solely for the reason that if she used her maiden name her initials would have been arse...keeping her middle name now they are ACS....
re: Simultaneous music stream
Posted by Niner on 3/29/23 at 6:35 am
[quote]Step one: find four friends[/quote][img]https://media.giphy.com/media/TS4yZSZ69BJOUkicvW/giphy.gif[/img]...
Simultaneous music stream
Posted by Niner on 3/28/23 at 5:45 pm
Let's say a group of people want to put in earbuds and listen to music at the exact same time from their phones - not Bluetooth. I think I've seen people have silent concerts somehow?
How does one do this?...
re: I don't understand the love for Roth IRAs
Posted by Niner on 3/27/23 at 5:35 am
[quote]Bruh, you saying you can name one couple making $30k a month now that’s gonna be cool living on 6k a month in retirement?[/quote]
Never said that. You're making a lot of assumptions you don't realize here.
Just because someone is in a certain bracket does not in any way mean they are sp...
re: I don't understand the love for Roth IRAs
Posted by Niner on 3/26/23 at 7:20 pm
The big driver is fear of assumed future tax increases. While that could be the case, making a decision on what you think tax rates will be in retirement is not a wise way to make a decision today.
The fear-mongering on my local radio station about the death knoll of future tax rates makes me wan...
re: Am I okay with my current financial situation to join a country club?
Posted by Niner on 3/24/23 at 12:08 pm
Don't over-complicate it.
If you can meet your short- and long-term goals while also paying to go to your country club, then do it if you want. Like someone else said, if you join and feel like it's too much, resign your membership. Problem solved.
Consider also how much quicker you might be a...
re: Old Recruiting Thread: RIP insiders
Posted by Niner on 3/15/23 at 8:56 am
[quote]4* WR Nick Marsh will visit the 24th per 247[/quote]Looks oddly familiar...like a winner, frankly.
[img]https://i.postimg.cc/R0PDh1df/nick-marsh.jpg[/img]...
re: Stock Market Question
Posted by Niner on 3/10/23 at 6:48 pm
[quote]Oh look here’s the dumbass[/quote]el Gaucho trolling is like the pictures at doctors offices back in the day that you had to study for a minute to see the picture. But once you see it, you can't unsee it....
re: Investment advice 10k
Posted by Niner on 3/10/23 at 7:21 am
[quote]Stocks haven’t done shite for me since 2021.[/quote]Brother - you're going to be disappointed often if you rely on 2-year historical averages...expand that to 6-10 years and a much brighter horizon will appear....
re: Anyone marry a girl so she could get a green card?
Posted by Niner on 3/9/23 at 2:47 pm
[img]https://th.bing.com/th/id/OIP.s3edHXGSbj7IV9YbTRMzOgHaE8?pid=ImgDet&rs=1[/img]...
re: New Google Chrome search?
Posted by Niner on 3/8/23 at 1:15 pm
I've been using Edge/Bing search for years now with no problems. Come to the dark side.
[img]https://media.giphy.com/media/5bGYUuT3VEVLa/giphy.gif[/img]...
re: How much do you have built up in CC points/rewards?
Posted by Niner on 3/6/23 at 12:01 pm
As others have said, if you're just getting cash back, there is no financial reason to leave them on the card.
I got sign-on bonus a couple years ago with my Chase Sapphire with the intention of using the points for our 10-year anniversary this year. 130k points later and we're going to an all-in...
re: What is best android password keeper?
Posted by Niner on 3/6/23 at 11:57 am
[quote]I just can never understand the logic of using these services. If you start with the assumption that EVERYTHING will get hacked at some point, then how can it be smart to concentrate all your passwords in one place?
[/quote]I'm not sure I understand the question. Who assumes EVERYTHING will ...
re: What is best android password keeper?
Posted by Niner on 3/6/23 at 9:49 am
I just started using Keeper after the LastPass debacle and I have zero complaints so far. Works perfectly on my Pixel 6 Pro and browser extension.
One interesting thing it does better than any other password manager I've used is walking you through creating a new password for a site that requires...
re: Old Recruiting Thread: RIP insiders
Posted by Niner on 1/20/23 at 12:46 pm
[img]https://media.giphy.com/media/FBlO0UE671oE8MbXUL/giphy-downsized-large.gif[/img]...
re: How long for funds to settle in Trad IRA prior to ROTH IRA recharacterization?
Posted by Niner on 1/20/23 at 10:21 am
[quote]Above phaseouts, both working. Cannot contribute to Roth IRA directly and cannot deduct Traditional IRA contributions.[/quote]OK then you are doing:
Non-deductible IRA contribution > Roth conversion
You can convert as soon as the cash settles in the account from your non-deductible cont...
re: How long for funds to settle in Trad IRA prior to ROTH IRA recharacterization?
Posted by Niner on 1/19/23 at 12:40 pm
[quote]I think it would be a recharacterization…it’s $6500 for 2023 and nothing else is in the Trad IRA. No other Trad IRAs.[/quote]A recharacterization only references contributions you change your mind about, like an IRA contribution that you want to recharacterize to a Roth contribution, which do...
re: Intermediate Excel training
Posted by Niner on 1/10/23 at 9:58 am
[quote]instead to start with a specific project or outcome you want[/quote]I'll echo this. There are too many videos to choose from if you have no direction.
I use excel multiple hours a day usually. I would consider my abilities advanced, but there are some "advanced" capabilities of Excel I don...
re: First impressions of Montgomery offense
Posted by Niner on 12/29/22 at 10:00 pm
[img]https://media.giphy.com/media/EVVQHgeeJ1HA35jOUD/giphy.gif[/img]...
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