oh. well proceed then. people get the shits for all different reasons. Seems you are just in a shitty cycle.SAWCE wrote: ↑Tue Feb 05, 2019 12:49 pmNever heard that before. The source is often going to be a single food, not all food, or a virus/bug.. I had a solid this morning after eating normal all day yesterday. I even got McDonald's as some comfort food last night 2 triple cheeseburgers instead of my scheduled beef and rice meal.
OT 15: New Year, New Poo
D Griff wrote: ↑Tue Feb 05, 2019 12:50 pmSAWCE wrote: ↑Tue Feb 05, 2019 12:49 pm
Never heard that before. The source is often going to be a single food, not all food, or a virus/bug.. I had a solid this morning after eating normal all day yesterday. I even got McDonald's as some comfort food last night 2 triple cheeseburgers instead of my scheduled beef and rice meal.
i'd like to live that life.
I dont know last time i did mcdoe. Tacobell was a few weeks ago with
- goIftdibrad
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fair point.D Griff wrote: ↑Tue Feb 05, 2019 11:49 amCommish checks get taxed out the ass... so trying to mitigate that a bit... plus it's just more money than I need, will be placing some in savings account as well.Big Brain Bradley wrote: ↑Tue Feb 05, 2019 11:11 am
i dont think so, just stay under the max.
side note:
you would likely serve yourself better by saving the cash in a non tax deferred account so you can use it. You can alsays roth ira it later if you cnage your mind and get the tax beni.
sure its easier, but the point of money is to make it work for you; if saving for a house or something the money could be better suited outside 401k land now vs later but what do i know im justdubshow wrote: ↑Tue Feb 05, 2019 12:50 pmole CPA fax here. Its easier to have deferred taxes from your employers. 401k limits are ~$18k. roth is $5500. Thats a huge difference. Retroactively adjusting your AGi is just a pita.Big Brain Bradley wrote: ↑Tue Feb 05, 2019 11:11 am
i dont think so, just stay under the max.
side note:
you would likely serve yourself better by saving the cash in a non tax deferred account so you can use it. You can alsays roth ira it later if you cnage your mind and get the tax beni.
brain go brrrrrr
The reality is I should probably do more savings for . just want to reduce the tax load a little bit.Big Brain Bradley wrote: ↑Tue Feb 05, 2019 1:19 pmfair point.
sure its easier, but the point of money is to make it work for you; if saving for a house or something the money could be better suited outside 401k land now vs later but what do i know im just
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sound logic, however just cause they take a big bite out of a big comission check does not mean that you wont get some back at return time if your agi overll is lower. IE, big comission (or ot for us plebs) bumps you to higher bracket for that period so your rate is higher for that check. On the year it ballances and you will get some of it back that was taxed at the higher rate.D Griff wrote: ↑Tue Feb 05, 2019 1:54 pmThe reality is I should probably do more savings for . just want to reduce the tax load a little bit.Big Brain Bradley wrote: ↑Tue Feb 05, 2019 1:19 pm
fair point.
sure its easier, but the point of money is to make it work for you; if saving for a house or something the money could be better suited outside 401k land now vs later but what do i know im just
Also, you can use the roth to fine tune your agi for tax defered shit. IE, if you are 2k over and bumped into the next bracket, take some savings and put into the roth to get you back to that lower bracket.
brain go brrrrrr
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5500 limit? Holy hell that sucks. Are there penalities if you go over? Or is it a hard cap? Curious because the military roth limit is 19k.dubshow wrote: ↑Tue Feb 05, 2019 12:50 pmole CPA fax here. Its easier to have deferred taxes from your employers. 401k limits are ~$18k. roth is $5500. Thats a huge difference. Retroactively adjusting your AGi is just a pita.Big Brain Bradley wrote: ↑Tue Feb 05, 2019 11:11 am
i dont think so, just stay under the max.
side note:
you would likely serve yourself better by saving the cash in a non tax deferred account so you can use it. You can alsays roth ira it later if you cnage your mind and get the tax beni.
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i think you just don't get the tax deferred benefit. IE you can put in more than 5500, but you would be a fool to.Barnes93cb wrote: ↑Tue Feb 05, 2019 2:11 pm5500 limit? Holy hell that sucks. Are there penalities if you go over? Or is it a hard cap? Curious because the military roth limit is 19k.
brain go brrrrrr
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hmmm thats crazy. I guess thats another benefit to me working for the .govBig Brain Bradley wrote: ↑Tue Feb 05, 2019 2:15 pmi think you just don't get the tax deferred benefit. IE you can put in more than 5500, but you would be a fool to.Barnes93cb wrote: ↑Tue Feb 05, 2019 2:11 pm
5500 limit? Holy hell that sucks. Are there penalities if you go over? Or is it a hard cap? Curious because the military roth limit is 19k.
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Can't you still withdraw from 401k for a first-time home buy? IIRC you haven't owned one yet, so maxing out the 401k could also be savings if you decide to use it for that later.D Griff wrote: ↑Tue Feb 05, 2019 1:54 pmThe reality is I should probably do more savings for . just want to reduce the tax load a little bit.Big Brain Bradley wrote: ↑Tue Feb 05, 2019 1:19 pm
fair point.
sure its easier, but the point of money is to make it work for you; if saving for a house or something the money could be better suited outside 401k land now vs later but what do i know im just
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but his future life mate has, and her shit becomes his shit unless they buy before marriage.troyguitar wrote: ↑Tue Feb 05, 2019 2:19 pmCan't you still withdraw from 401k for a first-time home buy? IIRC you haven't owned one yet, so maxing out the 401k could also be savings if you decide to use it for that later.
BUT, also a 10% penalty for early withdrawal even though its 'allowed'. Maybe thats what they waive for first time? either way it gets added to your taxable income for the year, so if its a large sum, you are going to get taken to the cleaners either way.
brain go brrrrrr
Nah, I think he's right, you can "borrow" from it without penalty for a home purchase... but that seems like a lot of hoops to jump through, especially when savings accounts actually pay out reasonably well.Big Brain Bradley wrote: ↑Tue Feb 05, 2019 2:49 pmbut his future life mate has, and her shit becomes his shit unless they buy before marriage.troyguitar wrote: ↑Tue Feb 05, 2019 2:19 pm
Can't you still withdraw from 401k for a first-time home buy? IIRC you haven't owned one yet, so maxing out the 401k could also be savings if you decide to use it for that later.
BUT, also a 10% penalty for early withdrawal even though its 'allowed'. Maybe thats what they waive for first time? either way it gets added to your taxable income for the year, so if its a large sum, you are going to get taken to the cleaners either way.
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Most cases, you can "borrow" from it for anything you want. The amount you can borrow is quite a bit less than the account's value, but there's no penalty for doing so. There's usually an interest rate applied, but in the case of my company, the interest just went back into your account which wasD Griff wrote: ↑Tue Feb 05, 2019 2:57 pmNah, I think he's right, you can "borrow" from it without penalty for a home purchase... but that seems like a lot of hoops to jump through, especially when savings accounts actually pay out reasonably well.Big Brain Bradley wrote: ↑Tue Feb 05, 2019 2:49 pm
but his future life mate has, and her shit becomes his shit unless they buy before marriage.
BUT, also a 10% penalty for early withdrawal even though its 'allowed'. Maybe thats what they waive for first time? either way it gets added to your taxable income for the year, so if its a large sum, you are going to get taken to the cleaners either way.
I looked into it extensively when we bought our current house and was worried we wouldn't sell our old house on time.
Desertbreh wrote: ↑Tue Oct 10, 2017 6:40 pm My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.
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We've done this the past few years to pretty good effect. Big Roth infusion = another couple grand of tax refund. if/how that will work this yearBig Brain Bradley wrote: ↑Tue Feb 05, 2019 1:57 pmsound logic, however just cause they take a big bite out of a big comission check does not mean that you wont get some back at return time if your agi overll is lower. IE, big comission (or ot for us plebs) bumps you to higher bracket for that period so your rate is higher for that check. On the year it ballances and you will get some of it back that was taxed at the higher rate.
Also, you can use the roth to fine tune your agi for tax defered shit. IE, if you are $Xk over and bumped into the next bracket, take some savings and put into the roth to get you back to that lower bracket.
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It may be different for married couples?Big Brain Bradley wrote: ↑Tue Feb 05, 2019 2:15 pmi think you just don't get the tax deferred benefit. IE you can put in more than 5500, but you would be a fool to.Barnes93cb wrote: ↑Tue Feb 05, 2019 2:11 pm
5500 limit? Holy hell that sucks. Are there penalities if you go over? Or is it a hard cap? Curious because the military roth limit is 19k.
Our tax guy has me move $6500 to a Roth and the Mrs $5500.
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and they're one of the cheapest menu there anymore, last time they got their price increased was back in 2011 where it went from 5.25 to 5.30.
Nephew of a a few first gen immigrant on DFD, resident turk, and ex nazi egg lover now driving a middle class mom mobile.
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so I wiped the shit out of my entire GTI with the chemical guys quick detailer and 8 microfibers, I caught salt in my mouth in the process.
Nephew of a a few first gen immigrant on DFD, resident turk, and ex nazi egg lover now driving a middle class mom mobile.
This seems like way more work than just washing it?MexicanYarisTK wrote: ↑Tue Feb 05, 2019 4:31 pm so I wiped the shit out of my entire GTI with the chemical guys quick detailer and 8 microfibers, I caught salt in my mouth in the process.