| Author |
Message |
 Topic: Lifetime Annuity and my 401k |
PapaGeek
Replies: 16
Views: 52221
|
 Forum: Retirement Planning Posted:
Tue Nov 24, 2015 9:07 am Subject: Lifetime Annuity and my 401k |
I think a more important aspect to your retirement planning is the avoidance of the tax humps that occur when your taxable income reaches the 25% level in retirement.
Not really, those 'humps' are ... |
| Topic: Lifetime Annuity and my 401k |
PapaGeek
Replies: 16
Views: 52221
|
Forum: Retirement Planning Posted:
Sun Nov 15, 2015 7:04 pm Subject: Lifetime Annuity and my 401k |
OldGuy,
I’m not sure why you are saying “Not really” to the concept of paying 46.25% or 55.5% federal tax.
My issue is not what was my tax rate was for the entire $120,000 of income, but what is ... |
| Topic: Lifetime Annuity and my 401k |
PapaGeek
Replies: 16
Views: 52221
|
Forum: Retirement Planning Posted:
Sun Nov 15, 2015 1:26 pm Subject: Lifetime Annuity and my 401k |
I think the key to safe retirement is not to, as the old cliché says, put all of your eggs in one basket!
Our current plan would have 49% of our savings in IRA accounts, 28% in the cash value of ou ... |
| Topic: Should I convert my Standard IRA to a ROTH IRA? |
PapaGeek
Replies: 13
Views: 47343
|
Forum: Retirement Planning Posted:
Sun Nov 15, 2015 10:50 am Subject: Should I convert my Standard IRA to a ROTH IRA? |
| I have been investigating this a lot over the last 4 months. From what I can gather, if you use the IRA funds to pay the taxes, the only thing that really matters is your tax bracket when you convert ... |
| Topic: Should I convert my Standard IRA to a ROTH IRA? |
PapaGeek
Replies: 13
Views: 47343
|
Forum: Retirement Planning Posted:
Tue Sep 08, 2015 11:29 pm Subject: Should I convert my Standard IRA to a ROTH IRA? |
| Half of $28,000 is $14,000 plus the $40,000 of ‘other’ income is a total of $54,000 and the 1993 amendment set the 85% level to start at $44,000 for a married couple. From $32,000 to $44,000 was taxe ... |
| Topic: Should I convert my Standard IRA to a ROTH IRA? |
PapaGeek
Replies: 13
Views: 47343
|
Forum: Retirement Planning Posted:
Tue Sep 08, 2015 7:51 pm Subject: Should I convert my Standard IRA to a ROTH IRA? |
Thanks for the response oldguy,
I looked at it a different way. To make the example easier to follow, let’s say your tax bracket is 25% and your State bracket is 8.33% for a total of 33.33%, one t ... |
| Topic: Should I convert my Standard IRA to a ROTH IRA? |
PapaGeek
Replies: 13
Views: 47343
|
Forum: Retirement Planning Posted:
Tue Sep 08, 2015 5:28 pm Subject: Should I convert my Standard IRA to a ROTH IRA? |
I hope I am not breaking any Money Talk rules with this post. If I am, just report it to the op and I’ll notice the infraction when I see the post disappear.
I am preparing a web page for a local i ... |
| Topic: Avoiding huge taxes when you significant other dies |
PapaGeek
Replies: 3
Views: 20552
|
Forum: Retirement Planning Posted:
Thu Jun 11, 2015 10:28 pm Subject: Avoiding huge taxes when you significant other dies |
I’m 68 and my GF is 59. I’m retired and she is thinking of what age to retire.
What we are concerned about is how to structure our retirement nest eggs not just for retirement income, but to insur ... |
| Topic: Investment Learning Courses |
PapaGeek
Replies: 14
Views: 14882
|
Forum: Investing, Stocks and Bonds Posted:
Sun Nov 02, 2014 11:55 am Subject: Investment Learning Courses |
| As Wino says, 'investing' and 'playing the market' are way different. Eg, if you invest in the generic broad US market (SP500 Index), $5000/year @ 11% for 30 years, never sell, simply accumulate, it ... |
| Topic: Investment Learning Courses |
PapaGeek
Replies: 14
Views: 14882
|
Forum: Investing, Stocks and Bonds Posted:
Sat Nov 01, 2014 2:30 pm Subject: Investment Learning Courses |
| I got my original education from InvesTools. A reasonable start for beginners and they do have an excellent website for investigating your decisions, but, it is expensive! It’s not that the website ... |
| Topic: Your thoughts on a personal investment strategy program! |
PapaGeek
Replies: 7
Views: 5856
|
Forum: Investing, Stocks and Bonds Posted:
Sat Nov 01, 2014 10:20 am Subject: Your thoughts on a personal investment strategy program! |
| As my logon name indicates, I’m a computer geek! Actually I’m a recently retired Software Engineer whose last job was database management for a large Hedge Fund where one of their strategies was tren ... |
| Topic: Technical Indicators for Mutual Funds? |
PapaGeek
Replies: 9
Views: 7749
|
Forum: Investing, Stocks and Bonds Posted:
Wed Oct 22, 2014 1:51 am Subject: Technical Indicators for Mutual Funds? |
Tue Oct 21, 2014 8:35 pm
We took a sharp bounce off the lower Bollinger band, the simple moving average is still negative but turning neutral, and the MACD is now touching as if it is going to cros ... |
| Topic: Short Term Covered Calls |
PapaGeek
Replies: 10
Views: 7789
|
Forum: Investing, Stocks and Bonds Posted:
Mon Oct 20, 2014 5:17 am Subject: Short Term Covered Calls |
| I started my stock trading back in 2006 when I attended the Investools seminar. I did fairly well then decided to get into options and found out that the only option I was allowed to get into in my I ... |
| Topic: Short Term Covered Calls |
PapaGeek
Replies: 10
Views: 7789
|
Forum: Investing, Stocks and Bonds Posted:
Sun Oct 19, 2014 8:40 pm Subject: Short Term Covered Calls |
Would anyone like to talk about short term covered calls?
The following illustration shows how the demand for options created by the option traders artificially inflates the time value of options w ... |
| Topic: What is the downside to a Select Income Fund? |
PapaGeek
Replies: 26
Views: 26441
|
Forum: Investing, Stocks and Bonds Posted:
Sun Oct 19, 2014 8:29 pm Subject: What is the downside to a Select Income Fund? |
| I just want to say thanks to all who responded to this thread. The feedback was good. It confirmed most of my doubts, but did not mention any negatives that I had not already considered, so I’m goin ... |
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