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For those who have stated they do not qualify for a Roth IRA due to the income limit phase out, there is currently a "backdoor Roth IRA" option where you are still allowed to open a traditional IRA for the full Roth IRA amount (no income restrictions) and then transfer that traditional IRA to a...

It's so much more than that.  Roth IRA distributions in retirement do not count as income, therefore it has more tax avoidance benefits as described in detail above.  Traditional IRA distributions will count as income and result in significant additional tax on your SS income beyond the...

One needs to factor in all the other Roth IRA benefits before making such equivalency statements.  Roth IRA has so many more benefits, as described above.  Once those are factored into the equation, IMHO the only thing the Roth IRA doesn't beat is free company match money in a traditional 401(k)...

I'm not familiar enough with transitioning between retirement options once in them.  You'd need to talk with an expert on that.  I'd definitely start a Roth IRA tomorrow though.

I try to fund everything as early as possible; however, the main take home point is to fund a Roth IRA as soon as you are able (but not before getting free company match money).  No reason to wait on getting a year's worth of tax free returns on your investment.

ACTUAL CONTENT TO FOLLOW: That is not clear/correct advice.  Regardless of any tax bracket differential, you should 100% be funding a Roth IRA after making sure you get all the "free" company match funds that you can in a 401(k) or equivalent.  First, Roth IRA earnings are tax free, which is...

Same here. Are you mostly in a Vanguard Mid-Cap Index Fund?

Looks like may contributing factors are likely involved, rather than a single smoking gun. Shopping $10,198.86 Uncategorized $3,878.53 - mostly ATM withdrawls... like take out $300 to goto the casino.. and many times what I win or don't lose goes back into the account later Kids $3,592.42...

Steak = Medium Rare. It's still suprising to me that a decent steak place can still get this wrong, but things happen. I do a quick poke test (not breaching the crust) when it arrives and will tell the waiter whether it's OK or not. The waiters seem to think I'm pyschic when I tell them it's...

I like my reds cooler than room temp, but not cold, as that kills the taste. I don't do a lot of whites, but I like those cold, maybe out of the fridge for 15-20 mins. Reminder that for long term storage, reds should be stored dark, and ideally less than 70F. A stack of cut PVC pipes in the...

Bouddica is the worst, since bonus Faith for forests is only a minor help early (and fairly easy to achieve without it), and religion can be a detriment to late game from diplo penalties. The Pictish warrier (fancy Spearmen) as UU is only relevent if you have no iron and are surrounded by...

Random thoughts: One item that's helped my BNW Immortal games is refusing embassies, especially giving an embassy to any militaristic civs. Giving an embassy let's them see your lands, which they immediately covet and come to claim. I propose Resolutions that the AI wants, to get the...

I also settled in on a Hyundai Sonata, but then I test drove a used Genesis and ended up buying that instead for just a couple grand more than the base Sonata (and a couple grand less than the base Sonata Turbo). Very nice car, and definitely recommend taking a look if you are investigating...

SAVE FERRIS! (by a wide margin)

Going to fire up Civ V's Brave New World and give it a go. See you next month....

Ziploc

Would have been better posted by a Miracle Max alias, but I also agree The Mountain was only mostly dead.

Remember the basics: What's your point? Why does it matter? Why should they care? What do the financials look like? Now go get it done!

Had a 2013 Gardens of Babylon red blend from the Scholium Project the other day. They are more of an experimental winemaker, and it was one of the best of this year! Scholium Principles: http://scholiumwines.com/principles.html

I use 3% as well.