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If you can cite IRS publications, you know more than my CPA and I do I am 50 yo I am changing employers and new employer has a SIMPLE IRA old employer is a 401k and I also started a catch up contribution- will be maxed out if I stay (ytd contributions are $2616 401k, $1125 catch up $3778 Roth...

I just changed jobs and have some issues I have not dealt with before. Bear with long winded post I have a large 401k rollover going to my existing Roth and Rollover at etrade, by time transaction closes, account should be $260k which is most of my retirement balance. My old job had a 9%...

I had a 401k with about $11k in it which I needed to roll into my etrade IRA the 401k was with slavic 401k thru paychex the IRA is with etrade On Dec 22 I initiated the transfer I have checked etrade daily, no deposit shown today I checked slavic, it has a $0 balance how long should the...

I am a long time poster, got divorced 2x and am rebuilding. Trying to determine where I am, and where I can go. Age 47 job at mega mega corp 401k is a 9% match (90% of first 5%, plus a 5% fixed contribution into a plan which is invested just like 401k). I was maxing 401k out prior to second...

I am in the process of rebuilding credit after my divorce in 2012 knocked it down... A month ago I pulled a transunion report so I see what is on it. In general, a short sale on a house with two mortgages in 2012, plus a few joint loans my ex was late on in 2012-2013 are holding the score...

According to sources the S&P500 is 2.9% real estate. What is the difference between a REIT and what an index fund holds as a real estate investment? https://www.thebalance.com/what-is-the-sector-weighting-of-the-s-and-p-500-4579847 I own USRT ETF in my Roth and traditional IRAs, and was...

The retirement is unplanned for many thread here http://www.early-retirement.org/forums/f28/retirement-is-unplanned-for-many-98105.html Led me to a question (but did not want to hijack that thread): At what age have you been downsized, reorganized, or told to take your talents elsewhere and...

I currently work for megacorp and just started my masters of systems engineering at a local university being paid for by megacorp. I am between 45 and 50 years of age. I know on completing the masters, there is a possible salary adjustment, I doubt it makes too much of a difference in my pay...

My wife and I were debating... what is likelihood a car accident triggers enough liability/cost that owning the house is at risk? I typically carry about $300k liability on auto, then put a $1M umbrella over house. Has anyone heard of someone "losing their house" or "losing a lot of money"...

I am in the process of getting my investments in order. I have initiated 4 401k rollovers to my existing etrade account(s). 1 account is pre-tax/ traditional IRA/ rollover IRA 1 account is a Roth IRA/ Roth Rollover I have many questions, here is a little background My divorce in 2012 wiped...

Long story, short questions. The short questions is how do landlords on this board find tenants? Do you use a realtor (or list with MLS?) Do you use a property management service? Do you self list on MLS or another board (like craigslist)? How I got here... I own my house for cash, since...

A few random facts, preceded by a simple question: Question, what is a reasonable amount of time to see a new doctor in a new city after moving? I moved started a new job 130 miles away Feb 22 My house is set to close April 29 in old location My brother died of colon cancer in 2012. I was...

I march to my own drummer, very difficult to tell me what to do... I have a great new job starting Monday, and it requires me to relocate 130 miles north. There is a relocation company running point, but I am not speaking to them directly They have referred me to numerous realtors A moving...

I am transitioning from working for a Mega Corp to contracting my skills. Jan 1 2016 I will no longer have healthcare I tend to contract my time for between $30-$75 per hour, and I have "never" not had health care. Dec 31 my current plan terminates and I will either need to pay some ACA tax...

My girlfriend is working in USA on a visa. She worked here for first year without using 401k. Her 401k is VERY good 6% contribution by employer, regardless of employee 50% match up to 10% for 7-10% She told me she has to file a document with her tax return about foreign investments. Can...

I'd like to understand more of the math that goes into calculators like this. Are their any books which show the logic, returns or math behind the calculations?

I am currently in process of building my own investment portfolio after recovering from a divorce two years ago, and also help some friends and family out with their portfolios. My own portfolio is 60-40 stocks-bonds right now. I have a traditional which is 40-60 I have a Roth which is 80-20...

I am 42 yo and divorced. I use a combination of Eharmony, Tinder, It's just lunch and OK Cupid... curious what others experience with dating sites is?

Anyone have a good equation to equate salary with a 1099 rate? My math is salary/2000+$15/hr Is cost of benefits and taxes worth $15/hour?

I own my own house free and clear, worth about $200k. It is a townhouse in a good community, and my kids are 6 going to private school in same town, and I work in same town. I am divorced with 50% custody of my twin boys. I am residential parent in divorce (kids are tied to my school...

What was your cash position on the day you retired? 2 years expenses in cash? 4 years? same allocation as it was the day before you retired? As you progressed through retirement, did you lower or raise the cash position as a multiple of expenses?

I am 41 yo and about 15 years from FIRE. I can afford to save 25% of my income pre-tax. This would put me well over the 401k contribution limit for 2014. This is first year I could ever save this much. I am in a situation where I am maxing out a traditional 401k I have a Roth 401k option I...

Or is it I need to FIRE and I desire to have toys? I am currently running through the math on being able to afford an electric car (a Tesla). If a $90,000 car could last "forever" (the motor has an infinite life according to sales pitch, the battery is less known), I am considering this to be...

I am divorced, and files taxes as head of household. I am 41 yo I started a "high paying" position in March, so I am making decisions based on 9 months of income this year (I did work first 6 weeks of 2014 for a different job). If I hit my numbers, I will likely gross between $130-$150k I put...

I asked this question on facebook, and an attorney told me "it depends". So curious what kind of answers I get here. Question: If my 401k and IRA benficiaries are my kids at 50% each, and the contingent is my 75 year old father, what happens to the 401k and IRA assets if one of my kids dies...