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This is exactly my concern. I asks but doesn't seem to report the answer to the IRS on any of the tax return print outs. It is probably just checking to make sure that I am not over the income limit for contributions to a Roth IRA. It also asks about traditional IRA Contributions but it does...

Hi, I would like to file my tax return for 2005 now. But then cotribute to my 2005 Roth Ira before april 15th. Is this a no-no or because it doesn't affect my tax return is it OK? Will I have to amend my return if I do? Obviously if I contributed to a Traditional IRA it would affet the return...

I am a IT support tech in a rural school district in Utah. I work 10 months a year and get all of June and July off. I am also off every day that the kids are the rest of the year. For example the last day of school for christmas break is December 17 and I don't go back to work until January...

I work for a Rural School District and they offer all three plans. They seem to prefer the 401k because they match contributions to it. And no other employee paticipates in either the 457 or 403b but it is still offered. I currently max both my wifes and my ROTH and 401K. And was thinking of...

I have the option of both a 401k and a 403b and a 457b at work.  Can I contribute $13,000 to each for a total of $39,000 or can I only contribute $13,000 total and split it between either how ever I like, or all to one or the other?

I am a long standing lurker to this board. I rarely post but enjoy the info on this board every week. I would like to second the call for ***** to be banned. He is definately a troll. And never seems to have anything important to say that isn't self agrandizing. If himself is included in the...

Along with the contact explosives I have always thought you should take the air bags out of the steering wheel and replace them with 6 inch steel Spikes. This would make driver more responsable in their decisions.

Go to europe! This is an easy answer. Try not to think of all the years that money would compound. But I would definately pick the trip.

Re: Hope for those who likely will have no pension Hi, I am a 23 and just got 5 years into a State Retirement system. But I have very little faith that my pension will be there when I am 65. Like social security I am acting like it won't happen for me. But even if it did pull through, right now...

Re: Balancing when Asset Classes are across tax bo Well you can move from Taxable to the IRA but just $3000 per year. That eliminates one repeation. Unless your bonds and TIPS out earn your stocks by more than $3000 per year.

newellcr, I actually shoot to only use the 1.75% withdrawal rate. This demands that I save more/longer before I can FIRE. Or live on less. I will choose to Save more so that I can have enough of a nest egg that I can get by on only 1.75%. The reason for this is that once I retire I want to move...

The ATW trip I imagine will take all 6 months allowed. Usually they allow 6-12 stops on your trip around. So I would want to spend 2-4 weeks in each place and really get to know the people, culture, and geography. Johngalt, you say you would hate it but why would you hate it? Do you hate to...

I use a return of 6%. I get this from a 10% return minus 4% inflation. I am only 23 and have a 17 year accumulation phase so I am 100% into stocks. I use the 4% inflation number because my parents lived through times in which 3% inflation would have been a joke. So I am a little pessamistic that...

I Re: Young Dreamer Reporting for Duty Hi cut-throat, I plan to travel around the world when I retire. I do travel extisively right now. But I only get 2 Months off each summer being on a 10 month contract. So I can't do an around the world trip justice with only 2 months. But each summer until...

Hi, I am 23 and a network administrator for public Ed. I have the dream of retiring by 40. I will have 20 years in the state retirement system then. I have worked for the government since I was 16. I bought a house first of this year and will have it payed off in 4yrs and 3 mons. I am a very...

Do you really want to retire or are you just afraid of being out of work and calling unemployment retirement. Just a simple calculation of 3-4% of your nest egg each year will tell you that is a very small amount to live on each year. But there are people around the world that live on much less...