
Siderophore
Favorite team: | LSU ![]() |
Location: | |
Biography: | |
Interests: | |
Occupation: | |
Number of Posts: | 3338 |
Registered on: | 11/23/2010 |
Online Status: | Not Online |
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re: Jóhann Jóhannsson Dies: Composer Was 48
Posted by Siderophore on 2/10/18 at 9:44 pm
re: Orgeron was also asked if he felt his program was on the rise.
Posted by Siderophore on 2/10/18 at 9:35 pm
quote:
:goalposts:
Exactly.
I'm curious to see what future arbitrary segments he will make?
Reset the count to 0-0 after taking over, which I suppose is fair, but what's this breaking up the season with no significant changes other than what he should have been on top of since day 1?
re: LA senator reject confederate momument protection bills.
Posted by Siderophore on 6/1/17 at 2:43 am
quote:
It's like Lee vs McClellan all over again.

re: This is the Catastrophe Syndrome in slow motion
Posted by Siderophore on 11/16/14 at 4:13 pm
quote:
We must move past this and relearn how be successful without constantly comparing ourselves to Alabama
What does this even mean? This isn't like the USC crap from a few years back.
They are in our division. We are "compared" regardless of what fans do. Their success inherently means LSU's failure at some point, and vica versa.
re: Question about early Roth distributions
Posted by Siderophore on 5/11/13 at 9:25 pm
I have no idea what you could be referring to.
re: Question about early Roth distributions
Posted by Siderophore on 5/11/13 at 7:07 pm
quote:
You quoted something different, but my interpretation of my original question was.
Yeah, I quoted the part I already said in the post that you pulled your quote from that answered your question.
quote:
So I can deposit $100k in May, earn $15k on it throughout the year, and as long a I take out $94,500 by April I'm all square with the my taxes? This is what seemed to good.
You'll have to pay whatever your marginal tax rate is on the 15k, the same as if it were on a taxable account, but yeah.
Your broker might limit you, but the IRS ONLY cares about your balance on April 15.
You can add more, take out, add more, repeat ad neasam.
It only gets locked in on April 15th.
re: Question about early Roth distributions
Posted by Siderophore on 5/11/13 at 4:31 pm
quote:
You can even withdraw earnings made on this year's contributions penalty free, but I wouldn't advise it. Not going to be much compared to the risk of paperwork headache with the IRS.
Why does it sound too good to be true?
It's just treated the same as a taxable account, with earnings taxed as short term capital gains rate (as you've held it for less than a year)
re: Official S.H.I.E.L.D. TV Show Discussion Thread
Posted by Siderophore on 5/11/13 at 3:25 pm
quote:
I can't remember fully but I thought this was implied in the movie that Fury pretended he was dead to get the Avengers to come together. There was something with the trading cards.
Nah.
Just that the trading cards being on his person was faked.
That must have been pleasant conversation:
"Yay we won! And looooook who I found hiding in a closet the whole time!"
*insert comical smartass Stark play off the "in the closet" phrase*
re: Question about early Roth distributions
Posted by Siderophore on 5/11/13 at 3:16 pm
2013 contributions are only locked in on April 15 2014. .
You can withdraw and recontribute to your heart's content prior to that point. You can even over contribute as long as you pull out the excess of 5500 before April 15
You can even withdraw earnings made on this year's contributions penalty free, but I wouldn't advise it. Not going to be much compared to the risk of paperwork headache with the IRS.
Note that all this is independant of taxes.
You can file your taxes next year before recontributing to the Roth.
(This thread reminds me why I love my Roth.)
You can withdraw and recontribute to your heart's content prior to that point. You can even over contribute as long as you pull out the excess of 5500 before April 15
You can even withdraw earnings made on this year's contributions penalty free, but I wouldn't advise it. Not going to be much compared to the risk of paperwork headache with the IRS.
Note that all this is independant of taxes.
You can file your taxes next year before recontributing to the Roth.
(This thread reminds me why I love my Roth.)
re: Investment Scorecard - YTD
Posted by Siderophore on 5/10/13 at 8:48 pm
I would actually put it in their strategic equity fund first and then flesh out your portfolio.
One thing I'm doing with my long term approach is that while target date fund is a significant portion of retirement funds, it's not the primary.
I'm shooting for around 40% allocation into it.
Why?
1) I don't want to have the fund have the majority of my money (a tempting prospect as its designed as a hands off one fund option) as when it shifts allocation later in life, it will do so with no consideration of the market at the time. Might sell stocks when they are low to buy bonds when they are high.
2) I don't feel my retirement money should go that heavily conservative allocation at start of retirement. But you obviously have a need for a portion of your nest egg conservatively allocated. I'm putting enough aside that the conservate target date funds will last for at least 10 years with no additional funding. I will trickle from more aggressive stocks and holdings into that conservative income fund as I see fit.
Strategic equity is a better fit for this because of the more appropriate allocation (STAR is 40% bonds and you are too young to be that heavily into them) with a lower expense ratio to boot.
Don't be fooled by the similar returns, STAR is inflated by the low interest rates which won't last long term.
If you look prior to the 2008 crash to 2001, STAR yielded 7.4% and strategic equity yeilded 11.4%
One thing I'm doing with my long term approach is that while target date fund is a significant portion of retirement funds, it's not the primary.
I'm shooting for around 40% allocation into it.
Why?
1) I don't want to have the fund have the majority of my money (a tempting prospect as its designed as a hands off one fund option) as when it shifts allocation later in life, it will do so with no consideration of the market at the time. Might sell stocks when they are low to buy bonds when they are high.
2) I don't feel my retirement money should go that heavily conservative allocation at start of retirement. But you obviously have a need for a portion of your nest egg conservatively allocated. I'm putting enough aside that the conservate target date funds will last for at least 10 years with no additional funding. I will trickle from more aggressive stocks and holdings into that conservative income fund as I see fit.
Strategic equity is a better fit for this because of the more appropriate allocation (STAR is 40% bonds and you are too young to be that heavily into them) with a lower expense ratio to boot.
Don't be fooled by the similar returns, STAR is inflated by the low interest rates which won't last long term.
If you look prior to the 2008 crash to 2001, STAR yielded 7.4% and strategic equity yeilded 11.4%
re: What is the standard method for figuring out how much to keep in savings?
Posted by Siderophore on 5/10/13 at 2:09 pm
quote:
Those of you keeping a year's worth of cash in a savings account earning .5% could be missing out on significant gains.
This is why I disagree with the notion.
I think keeping a month or two liquid and readily assessible is ideal, then you start putting money aside in either a Roth or careful selections in a taxable account (to minimize taxes).
re: Movies that FX/AMC/Spike give new life to
Posted by Siderophore on 5/9/13 at 8:36 pm
Does Batman Begins fall under this catagory?
Shawshank does for one.
Shawshank does for one.
re: 401K increases
Posted by Siderophore on 5/9/13 at 8:20 pm
But I always believed while the two were seperate, the stock market was a reflection of consumer confidence of the economy.
re: Has anyone tried Progressive Insurance Snapshot?
Posted by Siderophore on 5/9/13 at 4:36 pm
quote:
Doesn't track speed whatsoever. You get dinged for 3 things
I promise you that thing is sending telemetry on EVERYTHING that car computer sees, from speed to time spent on certain gears to oil changes (if the car tracks that). Hell, it probably even looks at how often you kill your battery and need it jumped and how many miles you drive after a check engine light turns on.
They might only give penalties for those three, but they are data mining for everything.
The discount is as much for being a lab rat for them as it is for verification of safe driving practices.
re: Has anyone tried Progressive Insurance Snapshot?
Posted by Siderophore on 5/9/13 at 4:32 pm
quote:
I guess it assumes you are out partying and drinking.
No, it assumes that it is a higher risk to be driving during those times.
You could be drinking, you could be sleepy driving, and even if you aren't, you are on the road with those that are.
Progressive started as an data analytics company. They are fishing for more data from which they can enhance their predictive models.
I would not give them a free look into your life...
re: Did My Sister Get Ripped Off (Home Purchase)
Posted by Siderophore on 5/9/13 at 9:38 am
It might be a good deal as is for the price.
Could have gotten lower, but if they tried and someone beat them, they might have had to pay a lot more for a comparable home.
Not saying that's what happened.
Just saying there are cases where people would chose not to risk it.
Could have gotten lower, but if they tried and someone beat them, they might have had to pay a lot more for a comparable home.
Not saying that's what happened.
Just saying there are cases where people would chose not to risk it.
re: Did My Sister Get Ripped Off (Home Purchase)
Posted by Siderophore on 5/9/13 at 9:35 am
You don't honestly expect feedback analysis do you?
Because there is no way anyone can give that with the information given.
That said, there is another angle: at this point, what difference does it make?
:Hillary:
Because there is no way anyone can give that with the information given.
That said, there is another angle: at this point, what difference does it make?
:Hillary:
re: Sean Bean to Star in New TNT Spy Drama Legends
Posted by Siderophore on 5/8/13 at 1:43 pm
Dammit, I wanted to come in here and bet on the odds of him dying in the pilot.
re: Selling personal vehicle - title transfer procedures
Posted by Siderophore on 5/8/13 at 1:19 pm
quote:
According to the state's website, the 30 day requirement is to register your vehicle, not title. It specifically says you are not required to change your title to a TX title if you do not want to.
That's odd.
When I registered, they took my title and gave me a new Texas one via mail and didn't give me an option about it.
re: Selling personal vehicle - title transfer procedures
Posted by Siderophore on 5/8/13 at 9:34 am
quote:
but in tx on a tx title you dont need a bill of sale at all like LA. i know this because i have bought a few cars fom tx and all they do is sign the title over to you and your done.
I had to show my bill of sale when I registered my car FWIW.
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