Recent content by djasper

In order to understand many postings here, you need to use the secret decoder ring. :rolleyes:

Oh my gosh that's quite a list of acronyms. They really do need "AFU" (Acronyms Frequently Used). Gack. I can certainly understand industry specific terms like CFP (Certified Financial Planner), but should it require a secret decoder ring to read the forum? How much more time would it take...

Who is DH? -DJ

I can't recommend Sonoma county enough. I've lived her all my life, and have always really enjoyed it. We're a quick drive to the coast, an hour from SF and Oakland, and you can drive to ski too. The weather is beautiful, and people are nice. The food - lots of great food. And, for...

I think I'm getting slightly more confused. Our AGI seems to preclude doing anything at all, but you're saying that we could do a small IRA, and the gains would not be taxed, then we could convert it to a Roth..? What's the up side? -- DJ

Thanks much for the response, and the welcome! I'm not sure I understand why we'd bother - if it's not deductible, what's the point? Or, do gains grow tax free? If so, is this a big benefit? -Dane

I'm married, and work. I max my 401k, plus my employer matches a portion. My wife is a real estate agent - no sales in 2007, so no employer sponsored retirement plan money can be set aside. (The agency offers a Keogh, which I think she could participate in IF she sold something and earned a...