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Paper Lions

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  1. I just checked my profile, and I haven't been here in 6.5 years. Good to see this thread is still kicking, same peeps, and that I can still use a thumb up emoticon
  2. Barnett was super solid and was even recruiting for the Hogs. Then, he was scared off by 4-star Andrew Peterson He had a good visit at UM as well, who pushed academics and alumni network. And we have a giant need for TE so he has a strong possibility of playing time immediately and for all four years.Barnett visit reaction Consider it a pittance for Mallet.
  3. Reminds me of this:Q: How do you know if someone is a Notre Dame grad?
  4. I think they get all but FisherClark is in, and Fisher is out as of 9am. Neither of those are surprises.I think Willingham is now moved to tomorrow because of weather.
  5. Wrapping up the Big Short after reading Demille's disappointing sequel to Gold Coast ("Gate House"). Anyone else think that was a let down? Probably Matterhorn next. I'm glad to see people here like it.
  6. I went bowling Saturday night and didn't drink, it wasn't nearly as bad as I thought it would be.
  7. As opposed to what, exactly?If you assume same dollars invested and a constant tax rate over timeTraditional 401k = Roth 401k > Normal after-tax brokerage investingI understood Jayrod to suggest there's no difference between a traditional 401k and a normal after-tax brokerage account, and that's not correct.
  8. This is my view as well.And both are better savings vehicles than just a normal brokerage account.
  9. This is a good illustration of why there is no difference between a Roth and Traditional 401k if you hold tax assumptions constant over time. In a plain old after-tax savings environment, you also need to tax the earnings in your after-tax calculations. How does your math account for that? Roth earnings are tax free. You're only taxed on what you are contributing.I am (still) addressing Jayrod' comment earlier in the thread that there's no reason to contribute to a 401k after you've contributed to the point that your Company matches. That's not correct.I understand Roth earnings are tax-free, and I agree with you and Dragons that there is no difference between a Roth 401k and a traditional 401k if you assume the tax rates don't change (that's why the bolded part is in the post).
  10. This is a good illustration of why there is no difference between a Roth and Traditional 401k if you hold tax assumptions constant over time. In a plain old after-tax savings environment, you also need to tax the earnings in your after-tax calculations. How does your math account for that?
  11. There is zero difference between a Roth and Traditional 401k if you hold taxes even. Perhaps that is where you are getting confused.It is not true if you are comparing 401k to just plain old after-tax savings. No offense, but if you do this for a living you should understand this.
  12. paying yourself first.You realize that you still owe taxes on what you put in and everything it earns, right?there are no pretax 401k contributions? :yes:and wtf does that have to do with paying yourself first? When you pay off your mortgage, this is coming out of money that isn't taxed already?Pretax does not mean tax free.The number of people that do not realize this baffle me.You want a real awakening, look up what happens to your qualified plans if you are to die.The benefit is that you have investment earnings on taxes you don't pay now. Yes, you pay taxes when you withdrawal. But you will have more earnings in the pool because what you invested now was pre-tax.That's the benefit of the 401k you are overlooking, and that's why it is a good idea to save in a 401k instead of just investing after-tax dollars now.