JonathanRoth

Jack & Barbara

JonathanRoth’s Activity

Yesterday

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Boards Post

JonathanRoth replied to the Atheist Fools board. 10:25 PM

Re: Christian Business

Going to church and learning about God and not sharing what you have learned is like seeing the best movie of your life and not telling anyone about it.

Good analogy, if you start telling people about the best movie of your life when [more]

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Boards Post

JonathanRoth replied to the RVing Fools board. 9:23 PM

Re: A new kind of slide-out

My wife would love it. However, where's the fold out furniture?

Sat Jan 24

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JonathanRoth replied to the Conservative Fools board. 2:15 PM

Re: The Michael Brown You've Never Seen

in fact they have a DUTY to arrest someone who commits a felony in front of them.

Actually the police do not have a legal DUTY to arrest anyone. Nor do the prosecutors have the legal duty to prosecute anyone.

Thu Jan 22

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Boards Post

JonathanRoth replied to the Macro Economic Trends and Risks board. 11:57 PM

Re: Swiss Franc, Obamacare, Education: Common Theme

As usual an excellent post. A friend of mine with a PhD in Organizational Development put it much more succinctly.

"With every change someone gets screwed."

Fri Jan 16

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Boards Post

JonathanRoth replied to the Retirement Investing board. 2:45 PM

Re: low yield/high dividend growth

Given I was wrong about the amount of taxes, if you're not in the position where you need the income, and your dividend tax rate is >0, then your still in a position where dividends have you paying needless taxes.

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JonathanRoth replied to the Retirement Investing board. 2:29 PM

Re: low yield/high dividend growth

Most dividends on US common stocks are taxed at the same rate as long term capital gains. That will always be a rate lower than your marginal rate on ordinary income.

I checked: [more]

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JonathanRoth replied to the Real Estate Investing board. 1:35 PM

Re: Commercial Real Estate

Adding to what Retrograde said get a copy of the last several tax returns and ask for an explanation of the differences between them and the P&L statement.

On the P&L the seller maximizes profit, on taxes they minimize profit. There [more]

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Boards Post

JonathanRoth replied to the Retirement Investing board. 1:24 PM

Re: low yield/high dividend growth

Can anyone explain the virtues of low yield/high dividend growth rate stocks for retirement income?

Dividends aren't a retired investor's friend. Earnings provide the dividends is what drives up the price, not the dividends [more]

Sun Jan 11

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Boards Post

JonathanRoth replied to the Humor and Urban Legends board. 9:35 PM

Re: The real difference between dems. and repubs.

The real difference between Republicans and Democrats

https://www.youtube.com/watch?v=5BJHPRoqDks


Yes! Your right and I'm wrong!

Fri Jan 9

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Boards Post

JonathanRoth replied to the Retirement Investing board. 7:15 PM

Re: Best Buy Now vs "Double-down"

I'd propose an alternative approach. Hopefully you have a few years left before retiring and living off of your investments, so time is on your side.

First, I'd put your current holdings and new contributions in an index fund and let it sit [more]

Tue Jan 6

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Boards Post

JonathanRoth replied to the Retirement Investing board. 5:52 PM

Re: Roth Conversion Question

Hi Metal,

I'm going to assume your math is correct and it looks like your theory is sound. My last name not withstanding, I don't have any Roth IRAs so I can't provide any specific guidance.

Unless there's overriding reasons I'd [more]

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JonathanRoth replied to the An Open Letter board. 5:03 PM

Re: An Open Letter

... you invited her to sit down in the student records section of our office. That part of the office is off limits to students.

<sarcasm>Heck, let it go, she can get fired and her daughter expelled. Why should you care? [more]

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Boards Post

JonathanRoth replied to the Retirement Investing board. 3:12 PM

Re: Roth Conversion Question

You're trying to estimate your 2015 taxes. Depending upon the elements of your income taxes can be difficult because the 2015 tax laws aren't yet known and may impact the results.

Intuit, Efile, and the IRS offer calculators for 2014 taxes, [more]

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Boards Post

JonathanRoth replied to the Retirement Investing board. 11:57 AM

Re: Roth Conversion Question

Does anyone know where I can find a calculator for 2015?

What kind of calculator? Projected taxes?

Sun Jan 4

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Boards Post

JonathanRoth replied to the Retirement Investing board. 3:09 PM

Re: Is the 4% rule still relevant?

20-Year Update: Retired at Age 38 in 1994 -- Lessons Learned
http://retireearlyhomepage.com/20year.html


Great article, thanks.

Jack

Sat Jan 3

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Boards Post

JonathanRoth replied to the Retirement Investing board. 6:40 PM

Re: Explanation needed

Contributions to IRA's comes from earned income. RMD's are not income.

Ummmm....RMDs show up as income on tax returns, so I'm not sure how you can claim this. They may not be 'earned' income, but they certainly are income, and are
[more]

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JonathanRoth replied to the Retirement Investing board. 1:01 PM

Re: Explanation needed

I wonder if that is why conversions are not allowed on RMDs. But then I don't understand why conversions are allowed at all.

Perhaps there is confusion on different aspects of IRA's.

Contributions to IRA's comes from earned [more]

Thu Jan 1

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Boards Post

JonathanRoth replied to the Living Below Your Means board. 6:34 PM

Re: Health Insurance vs Liability Insurance

Contact a lawyer specializing in this area.

You're looking at a newer area of law. My uneducated guess is pointless, the answer probably depends upon your contract and state & federal law.

Ethically & morally, which is [more]

Wed Dec 31

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Boards Post

JonathanRoth replied to the Atheist Fools board. 8:38 PM

Re: Things I'd Like to Hear in the New Year

"Hey, it was a gangbuster year for the company, thanks in part to your efforts. I've got plenty of extra budget money to spend; how would you like a new laptop?"

Being a long term techie (CS BS 76) I fully understand and [more]

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Boards Post

JonathanRoth replied to the Retirement Investing board. 4:54 PM

Re: Moving Dividend Stocks from Sheltered Accts

I know it's been hashed and re-hashed on this board (and elsewhere), and I get that I am giving up a lot of opportunity in other areas by focusing on dividends, but if I've learned anything in the last 15 years, it's that I don't have the [more]

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Boards Stats & Trivia

Big red star, 1000 posts Old School Fool
Board Posts 2929
Recs Received 4050
People who have rec'd these posts 1026
Recs to Posts Ratio (last 30 days) 4.00
Threads Started 78
Threads Started Percentage 2.66 %
Most Frequent Board Living Below Your Means
Very First Post Re: Newly Weds seek budget/Investing advice (7/29/2000)
Percentage of Posts Rec'd 46.50 %
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