zol’s Activity

Fri Mar 21

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Boards Post

zol posted to the Ask The Headhunter board. 10:05 AM

What does Professionalism look like?

Interesting article in the Harvard Business Review about cultural biases regarding professionalism:
[more]

Mon Mar 17

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Boards Post

zol replied to the Retirement Investing board. 2:44 PM

Re: Roth 401k vs. traditional 401k

Once I see the info that DD brings home, I'll let you know if there are any more questions, but the Roth 401k certainly sounds like the way to go for her.

One thing she may want to check is whether she can invest differently for the [more]

Fri Mar 14

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Boards Post

zol replied to the Ask The Headhunter board. 1:08 PM

Re: Professional Degree?

Back to the OP, I have worked in academia, gov't, and industry with lots of PhD's primarily in engineering. I've never heard of something called a PD in engineering.

The OP provided a link to a program and it was the first time I [more]

Mon Mar 10

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Boards Post

zol replied to the Retirement Investing board. 3:53 PM

Re: Commodity ETFs

Jeff,

You can find other ETFs under the same category here: [more]

Fri Feb 28

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Boards Post

zol replied to the Retirement Investing board. 5:20 PM

Re: Is this a sin, or being practical?

It is wrong to think about cutting back for other life priorities? Am I sinning against Fool-kind? Or is that just the way life goes?

Don't concern yourself with sinning against Fool-kind. Your priorities do not need to be approved [more]

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zol posted to the Retirement Investing board. 9:02 AM

The most popular retirement investments

Vanguard posted late last year that 51% of workers in the retirement plans they administer are invested in target-date funds. One of the reasons may be that 68% of the plans they manage have target-date funds as the default option. I was expecting an [more]

Tue Feb 25

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Boards Post

zol replied to the Tax Strategies board. 2:42 PM

Re: Poll: Tax on internet purchases

Many online places now charge sales tax and what your CPA would be asking me to do is determine which online purchases have and have not charged sales tax. I pay these bills with credit card and I don't keep sales receipts for either online or any [more]

Fri Feb 21

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Boards Post

zol replied to the Tax Strategies board. 2:21 PM

Re: Savings question - where to put it

Sure, but most of the conversation was focusing on making after-tax contributions to tax-deferred accounts such as a 401k or Traditional IRA. Roth IRAs are already getting after-tax dollars, but contributions to those are bound by income limits, [more]

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Boards Post

zol replied to the Tax Strategies board. 2:09 PM

Re: Savings question - where to put it

What kind of paperwork is required for after tax 401k contributions?

None for the employee, except to verify that the plan's numbers are correct. The plan must track after-tax contributions separately, but beyond that there's no [more]

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Boards Post

zol replied to the Tax Strategies board. 12:50 PM

Re: Savings question - where to put it

Another option for the OP may also be non-deductible contributions to a traditional IRA. If no other money is in traditional IRAs they can make a conversion to Roth and deal with documenting it at tax time one year at a time.

I [more]

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zol replied to the Tax Strategies board. 12:15 PM

Re: Savings question - where to put it

If you are allergic to paperwork, don't do an after tax 401k contribution. Just invest the money in an ordinary account. You have way more control over the investments and the paperwork for that is highly common and [more]

Tue Feb 18

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zol replied to the Living Below Your Means board. 7:34 PM

Re: I just saved a bunch of $$$...

I switched to the new Mobile Share plan that they have been touting on TV - $160 before tax for 4 lines with unlimited text & talk and 10 GB shared data. I'm waiting to see how much it will be with my corporate discount.

I originally had [more]

Mon Feb 17

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Boards Post

zol replied to the Retirement Investing board. 6:25 PM

Re: Asset Allocation

Guaranteed ordinary results is not necessarily a bad thing. Much better than decidedly poor results.

I think that's what the OP found out the hard way and is now planning to move to Vanguard. The truth of the matter is that for [more]

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Boards Post

zol replied to the Retirement Investing board. 4:45 PM

Re: Asset Allocation

I'm trying to figure out if this is "tongue in cheek."

Bob,

I believe joelxwil is talking about two concepts:

(1) Momentum investing - "You need to be in those assets that are moving [more]

Sat Feb 15

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Boards Post

zol posted to the Living Below Your Means board. 4:32 PM

I just saved a bunch of $$$...

by switching to a lower data plan.

A few weeks ago someone was asking about wireless phone plans. One of the challenges is determining how much data is needed. I have AT&T and can see usage per line. Since we were nowhere near the amount [more]

Fri Feb 14

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Boards Post

zol replied to the Living Below Your Means board. 12:58 PM

Re: How dumb can they be in NC?

Did your governor echo the warnings each of the other times, too? Was there no difference between previous times and this time?

I bet this time was different, warning of much more serious conditions.


The governor's press [more]

Thu Feb 13

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Boards Post

zol replied to the Living Below Your Means board. 2:56 PM

Re: How dumb can they be in NC?

A lot of people, bosses and others, showed no sense. And it is disappointing, especially after the Atlanta debacle was so well publicized!

Here is the thing, when the Atlanta debacle was happening, we (in NC) were home with the kids [more]

Mon Feb 10

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Boards Post

zol replied to the Living Below Your Means board. 6:07 PM

Re: Your favourite places to buy sheets and pill

When we buy sheets, I like to touch and feel them. So, ordering online would not be an option for me. But, if you decide to do that, I do not recommend Kohl's online. Their fulfillment was slower than molasses this last holiday season. I have had [more]

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zol replied to the Tax Strategies board. 3:28 PM

Re: 401k rollover

...it might be possible to roll the old 401k money into the new 401k plan. That would leave you able to continue your Backdoor Roth contribution plan as you have been doing in the past. It also has the advantage of allowing you to access all of [more]

Sat Feb 8

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Boards Post

zol replied to the Tax Strategies board. 3:48 PM

Re: 401k rollover

If the 401K balance is very low, you may be forced to take a distribution. I doubt if that applies to you.

Not applicable to me as I have maxed out contributions every year.

Will you have access to a [more]

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Three stars, 500 posts Old School Fool
Board Posts 733
Recs Received 473
People who have rec'd these posts 282
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Threads Started 108
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Very First Post Re: I-Club Woes (8/27/1998)
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