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Forum: Hi, I am... 01-09-2017, 07:49 PM
Replies: 120
Views: 14,044
Posted By Options
Good catch! Let me add Silent Generation to...

Good catch! Let me add Silent Generation to those I am grateful to.
Forum: Hi, I am... 01-09-2017, 06:37 PM
Replies: 120
Views: 14,044
Posted By Options
I am one boomer who will be forever grateful for...

I am one boomer who will be forever grateful for the many sacrifices and gifts left by your generation (named "The Greatest Generation" for good reason) for all those that followed:
...
Forum: Life after FIRE 01-09-2017, 03:12 PM
Replies: 53
Views: 4,645
Posted By Options
+1 Student Loans and Older Americans...

+1
Student Loans and Older Americans (https://www.nextavenue.org/student-loan-crisis-facing-older-americans/)
Forum: FIRE and Money 01-09-2017, 02:35 PM
Replies: 2
Views: 893
Posted By Options
What you describe has been called the "leapfrog"...

What you describe has been called the "leapfrog" technique and has been discussed extensively in the BH forum and also by Michael Kitces. It's not at all that hard, but if you're going to do it, you...
Forum: FIRE and Money 01-09-2017, 02:21 PM
Replies: 76
Views: 6,589
Posted By Options
My retirement spending is approx the same every...

My retirement spending is approx the same every year based on a budget well in advance, with some categories turning somewhat deflationary. The deflation is offset by spending more in other...
Forum: FIRE and Money 01-09-2017, 11:21 AM
Replies: 63
Views: 6,234
Posted By Options
Thanks for this post. I actually only paid about...

Thanks for this post. I actually only paid about $28 for TA for fed/state as I pre-ordered, but have been considering FreeTaxUSA. Only thing that has held me back is I can't find enough reviews...
Forum: FIRE and Money 01-09-2017, 11:15 AM
Replies: 8
Views: 1,363
Posted By Options
Better yet, you could use the "leapfrog method"...

Better yet, you could use the "leapfrog method" wherein you convert at the beginning of the year, then convert again later in the year as the market falls. Then you reconvert the "losers" at the end...
Forum: FIRE and Money 01-09-2017, 11:07 AM
Replies: 10
Views: 1,353
Posted By Options
+1 First year, I had to manually input large...

+1
First year, I had to manually input large carryover losses which I took from prior year's taxes completed by accountant. Did the same after moving from TT to TA. Thereafter, carryover losses...
Forum: Hi, I am... 01-08-2017, 12:23 PM
Replies: 120
Views: 14,044
Posted By Options
When I wrote earlier that boomers should really...

When I wrote earlier that boomers should really get out of the way, I was not referring to those who add value in the workforce, but instead to those boomers with antiquated thinking systems. I find...
Forum: Hi, I am... 01-08-2017, 10:59 AM
Replies: 120
Views: 14,044
Posted By Options
It's happening now: ...

It's happening now:

https://www.bloomberg.com/news/articles/2017-01-06/older-americans-are-retiring-in-droves
Forum: FIRE and Money 01-07-2017, 10:49 PM
Replies: 41
Views: 3,880
Posted By Options
Emphasis added Brilliant! $646 total taxes...

Emphasis added

Brilliant! $646 total taxes on $263K in conversions. Sweet. This also means by age 70 fully 85% of your PF will be tax-free while simultaneously shielded from the negative impact...
Forum: FIRE and Money 01-07-2017, 08:06 PM
Replies: 41
Views: 3,880
Posted By Options
Yes, I posted that $2 of every $3 is in taxable,...

Yes, I posted that $2 of every $3 is in taxable, so my strategy works for me. You don't have to convert a substantial portion of your IRA to roth, but again, if you don't find it worth your time,...
Forum: FIRE and Money 01-07-2017, 07:56 PM
Replies: 41
Views: 3,880
Posted By Options
Emphasis added This not correct and is a...

Emphasis added

This not correct and is a misleading statement to make. People tend to make generalized statements when they are unwilling to do the hard work to educate themselves. Particularly...
Forum: FIRE and Money 01-07-2017, 07:44 PM
Replies: 41
Views: 3,880
Posted By Options
Allan Roth has stated that investing is easy but...

Allan Roth has stated that investing is easy but tax management is hard. If I found it not worth my time, I definitely wouldn't do it, either. Yes, I found it hard at first (when I was planning out...
Forum: FIRE and Money 01-07-2017, 06:31 PM
Replies: 63
Views: 6,234
Posted By Options
Interesting. I used TT before TA and I don't...

Interesting. I used TT before TA and I don't recall it being more user-friendly. I actually find TA to be user friendly and very easy to understand. The price doesn't hurt, either.
Forum: FIRE and Money 01-07-2017, 06:17 PM
Replies: 41
Views: 3,880
Posted By Options
You've missed the point. Ordinary income...

You've missed the point.

Ordinary income from working before retirement places one in a higher (and sometimes highest) tax bracket (versus post-retirement) thereby impacting LTCG and dividend tax...
Forum: FIRE and Money 01-07-2017, 06:05 PM
Replies: 7
Views: 1,779
Posted By Options
Careful: correlation does not at all necessarily...

Careful: correlation does not at all necessarily mean causation.

I don't read anything with the word "prediction", "predictor", "forecast", etc. in it. Click bait. Financial porn. Noise. ...
Forum: FIRE and Money 01-07-2017, 05:53 PM
Replies: 41
Views: 3,880
Posted By Options
What?? Not in the least. Income before...

What?? Not in the least. Income before retirement is taxed as ordinary income, the most disadvantageous tax situation to be in. Implementing tax management strategies post-retirement allows one to...
Forum: FIRE and Money 01-07-2017, 12:46 PM
Replies: 58
Views: 4,852
Posted By Options
I converted 3 funds at $20K each for a total...

I converted 3 funds at $20K each for a total conversion of $60K in January, and recharacterized the two losing funds each at $20K, which left me with my original intended conversion of $20K (plus...
Forum: FIRE and Money 01-07-2017, 12:18 PM
Replies: 58
Views: 4,852
Posted By Options
Converting roths while tapping taxable and...

Converting roths while tapping taxable and delaying SS is one strategy for what is known as tax bracket management, in an attempt to smooth out taxes over the PF life. Regarding future tax law...
Forum: Other topics 01-07-2017, 12:03 PM
Replies: 105
Views: 6,808
Posted By Options
Add The Limited to the list: The Limited is...

Add The Limited to the list:

The Limited is closing all remaining stores by Sunday; all online sales are final | cleveland.com...
Forum: Other topics 01-07-2017, 11:54 AM
Replies: 52
Views: 4,252
Posted By Options
Strategic Simplicity in all things, for one. A...

Strategic Simplicity in all things, for one. A very well thought out IPS for another. Annuitization. Regular detailed discussions with my estate's executor is yet another. Highly optimized...
Forum: FIRE and Money 01-07-2017, 11:47 AM
Replies: 63
Views: 6,234
Posted By Options
Here's a review of popular tax software: The...

Here's a review of popular tax software:

The Best Tax Software | The Wirecutter (https://thewirecutter.com/reviews/best-tax-software/)

Personally I've been a satisfied Taxact user for the past 3...
Forum: FIRE and Money 01-06-2017, 06:42 PM
Replies: 58
Views: 4,852
Posted By Options
Emphasis added Good point. I am personally...

Emphasis added

Good point. I am personally viewing delayed SS as longevity insurance acting like [-]an annuity[/-] the best annuity deal you can get, based on my personal odds of living longer. ...
Forum: Other topics 01-06-2017, 06:22 PM
Replies: 5
Views: 767
Posted By Options
These are my exact 3 classes. So why do you need...

These are my exact 3 classes. So why do you need software to calculate? Only reason I use a spreadsheet is because TIRA contains the 3 asset classes and I calculate the % of each class within it. ...
Showing results 1 to 25 of 1495

 
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