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Just Win Baby

Member Since 14 Apr 2003
Offline Last Active Today, 09:01 PM
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Topics I've Started

Roth 401K?

04 February 2014 - 01:16 PM

So I'm starting a new job in a few weeks, and the company offers both a traditional, pre-tax 401(k) option and a Roth 401(k) option. The overall IRS contribution limit is the max total contribution, and it can be split any way the employee wants between the two options.

 

Obviously, in a traditional 401(k), contributions are not taxed, but withdrawals are taxable. Any contributions to the Roth 401(k) would be taxed first, and would thus lower take home pay, but then withdrawals would never be taxed.

 

In the past, I have always attempted to contribute the maximum amount (up to the IRS limit) to a traditional 401(k). Then in some years, I made an additional contribution to a Roth IRA. But there was no real choice to be made there. All of my 401(k) contributions had to go into a traditional IRA, meaning all other income that I had to consider contributing to an IRA had already been taxed.

 

Here, if I go the Roth 401(k) route, my contributions will be made after federal, state, Social Security, and Medicare taxes have been taken out.

 

I'm leaning towards putting all of my contribution into the Roth 401(k). Just wondering if anyone has experience with this decision and can articulate any pros and cons I haven't addressed.


Stars not showing up

04 February 2014 - 05:59 AM

The star to identify a thread I have posted in stopped showing up yesterday. Clicking on the circle at the left to jump to the first unread post is not working either.


PPR Redraft Tight End Tiers

18 July 2013 - 08:39 AM

New Bloom article: AN EARLY LOOK AT TIGHT END TIERS IN REDRAFT PPR LEAGUES

 

Didn't see another thread that seemed like a good place to discuss this article and the general topic of redraft TE tiers.

 

A few comments:

 

1. Bloom prefers Allen over Fleener, and there are many who agree. I'm with Bruce Hammond on this one and believe Fleener will outscore Allen this year. There isn't much discussion on these two in the article, but perhaps we can discuss the situation here.

 

2. The article characterizes Moeaki as a deep sleeper and doesn't mention Fasano or Kelce at all. Similarly, Dodds' default Draft Dominator rankings have Fasano ranked as TE #50 and Kelce ranked as TE #72. But Moeaki is currently rehabbing injury and is #3 on KC's TE depth chart, behind Fasano and Kelce. Meanwhile, there are rumors that Moeaki could be traded. I'm interested in others' thoughts on the KC TE situation, as the FBG take on it right now seems off base to me.

 

3. The article identifies Gates as a TE2 depth play. In 15 games last season, Gates finished as TE13 in PPR, less than 3 points behind TE12 (i.e., a #1 TE). The season before that, he was TE7 in 13 games, and he was a top 4 TE for 7 straight seasons before that. He just turned 33, so IMO he is not too old to rebound back to a #1 TE. The entire San Diego offense imploded last season, and there are many reasons to believe it will be better this year. I think Gates is being underrated for redraft purposes.

 

That should be enough to get some discussion started.


Logged out on iPhone

13 May 2013 - 06:09 PM

Starting within the past few days, I have to log in every time I visit FBG forums on my iPhone, even though I check the box for the site to remember me. What gives?

Dynasty Rosters

03 November 2012 - 02:15 PM

Posted this in the Dynasty Rankings thread:

I'd be interested in looking at some of the rosters of those that contribute heavily to this thread and seeing some commentary from the owners about how they built the rosters and their outlook moving forward. And discussion about that... maybe like a version of the in season dynasty trades thread.

And I'd love to get some comments on my roster from the savvy dynasty posters here. But I know that is frowned upon. I avoid the AC forum, and I assume there isn't much dynasty activity there, especially not quality activity.

Anyone else interested in this? If so, how best to go about it?

It got some favorable reaction, so I'm starting this thread for that discussion.