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Roth IRA

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Retirement Planning & Taxes: New Questions

Monday, February 25th, 2008

Tax diversity has become a more common discussion among personal finance experts in recent years. This is due not only to the plethora of tax-free, tax-advantaged, and taxable investment options that people have today, but also to the uncertainty of our future tax system.

My Wife’s Company Will Begin Offering the Roth 401(k) Next Year

Tuesday, July 17th, 2007

I found out yesterday that my wife’s company will begin offering the Roth 401(k) in January, 2008. Immediately I started thinking about whether or not it is a good deal for us. Believe it or not, it’s not a simple decision because there are numerous variables to consider. NOTE: It’s important to keep in mind […]

What Do You Do When Your Company’s 401(k) Fees Are High?

Saturday, July 14th, 2007

I received this email from a reader: JLP, I am starting a new job with a small firm that offers a 401k through Principal Financial Group. The company matches dollar for dollar up to $5000 per year. There are 17 funds in the plan including lifetime funds and funds covering all the major asset classes. […]

The Roth IRA Contribution Phaseout for 2006 and 2007

Thursday, December 7th, 2006

For 2006, the Roth IRA contribution phaseout is as follows: Filing Status: Married Filing Jointly & Qualifying Widow(er) The phaseout based on your modified adjusted gross income (MAGI) is $150,000 – $160,000 Filing Status: Single, Head of Household, or Married Filing Separately The phaseout, again based on your modified adjusted gross income (MAGI) is $95,000 […]

Roth IRA Contribution Limits

Wednesday, December 6th, 2006

Don’t forget that if you haven’t contributed to your Roth IRA yet this year, you have until April 15, 2007 to make a 2006 contribution. The maximum contribution for 2006 is $4,000 (or $5,000 if you are 50 years old or older). These amounts remain unchanged for 2007. Who Can Contribute? According to Publication 590 […]

Building Wealth on $1.67 Per Day!

Thursday, November 2nd, 2006

How’s that for a catchy title? This post was inspired by the following comment I received from a reader:

Investing Small Amounts Can Be Expensive

Wednesday, November 1st, 2006

Scottrade ticked off a lot of people when they added a $17 fee for purchases of mutual funds that aren’t included in their No-Load, No-Transaction Fee (NTF) Fund List. There is a way around most of the $17 fee but it requires systematic purchases or redemptions of at least $100, for which Scottrade will charge […]

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