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Humpty_dumpty
Moderator Username: Humpty_dumpty
Post Number: 39104 Registered: 02-2009
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 03:26 pm: |
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Vjawarrior:solvay bank checking account 4% apy.
aa 4% gains meedha tax? |
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Vjawarrior
Legend Username: Vjawarrior
Post Number: 39381 Registered: 02-2014 Posted From: 69.193.105.226
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 03:15 pm: |
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Rebel: ettu Min 2.5% guaranteed tax free return Colorado 529 stable value lantivi research cheyyi
legess.. solvay bank checking account 4% apy...ee bochulo 529 plans waste Power starrrrrrrrrr will rockkkkkkkkkkkkk |
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Rebel
Hero Username: Rebel
Post Number: 17222 Registered: 02-2008 Posted From: 76.184.231.151
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 03:10 pm: |
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Ramji 4 years lo college ki 529 stable value fund lo ettu Min 2.5% guaranteed tax free return Colorado 529 stable value lantivi research cheyyi |
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Mano
Side Hero Username: Mano
Post Number: 2378 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 03:10 pm: |
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Rebel:never mix investment with insurance antaru
Term alone is not good... mix of Term and IUL with Long Term Care is good |
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Rebel
Hero Username: Rebel
Post Number: 17221 Registered: 02-2008 Posted From: 76.184.231.151
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 03:07 pm: |
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Term life is good - never mix investment with insurance antaru If no 401k Contribution then it is taxed at ur highest bracket -24% + U save that and while withdrawal its taxed from bottom.. 401k +hsa+roth+529 Mundu ee tax advantage accounts vadukunnaka ee ramji baba ni advice adugu |
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Ramjirao
Side Hero Username: Ramjirao
Post Number: 3876 Registered: 02-2019 Posted From: 152.51.56.1
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 02:59 pm: |
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//IUL with Long Term Care teesuko... future protect for health care issues. How much does it cost?? How to buy Munis?? |
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Mano
Side Hero Username: Mano
Post Number: 2375 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 02:56 pm: |
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Ramjirao:also 401K maxout chesukuni balance money savings vunte avi Munis lo pettochemo kathaa
yes... good option |
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Mano
Side Hero Username: Mano
Post Number: 2374 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 02:55 pm: |
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Ramchander:Anna IUL ante enti , entha invest cheyochu, Municipal bonds ekkada petochu Roth IRA ella set cheyali...Loudaladhi ella cheyalo telidhu ivvani
Bro...a family member is a certified professional... I deal my investments with him. You too find out a financial/insurance agent who can guide you with the plans that suit your needs. Dealing anything more on public forums is not good. I've seen couple of bitter expriences from some members who were mislead. I don't sell or I'm a financial advisor.... I do not have any intentions to share any services or details further... All I recommend is go with a right mix and diversify your investments. Know more about 401k withdrawals how and when will they be taxed. IUL with Long Term Care teesuko... future protect for health care issues. |
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Ramjirao
Side Hero Username: Ramjirao
Post Number: 3873 Registered: 02-2019 Posted From: 152.51.56.1
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 02:39 pm: |
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Mano:As I said earlier...you need to have a right mix of 401k (tax deferred), IUL, Roth IRA, Muncipal Bonds (Tax free) 401k with drawals will be taxed in future and there is a mandatory withdrawal after 70-1/2 age.
How do we invest in Munis which are secure? what do u think about iShares National Muni Bond ETF (MUB, $110.67)?? also 401K maxout chesukuni balance money savings vunte avi Munis lo pettochemo kathaa Can I put money in Munis for 4 years and sell them whan I need for my son's college? |
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Rediff
Comedian Username: Rediff
Post Number: 1348 Registered: 12-2006 Posted From: 204.64.147.248
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 02:39 pm: |
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Twitter, aa details evo naa rediff.bt @gmail ki kooda fwd cheyavaa konchem |
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Ramchander
Comedian Username: Ramchander
Post Number: 1810 Registered: 02-2018 Posted From: 72.78.71.192
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 02:36 pm: |
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Mano:As I said earlier...you need to have a right mix of 401k (tax deferred), IUL, Roth IRA, Muncipal Bonds (Tax free) 401k with drawals will be taxed in future and there is a mandatory withdrawal after 70-1/2 age.
Anna IUL ante enti , entha invest cheyochu, Municipal bonds ekkada petochu Roth IRA ella set cheyali...Loudaladhi ella cheyalo telidhu ivvani |
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Mano
Side Hero Username: Mano
Post Number: 2373 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 02:34 pm: |
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Rebel:401k is best Stop giving your email ids like sheep
Mano:Bhayya... your retirement investments have to be diversified... don't put everything in 401k. Keep one thing in mind... after retirement whatever you take from 401k is TAXED based on your withdrawals. You are deferring taxes now that's all. Investment some in real estate... but I recommend you to look into IUL. Growth is tax free.
As I said earlier...you need to have a right mix of 401k (tax deferred), IUL, Roth IRA, Muncipal Bonds (Tax free) 401k with drawals will be taxed in future and there is a mandatory withdrawal after 70-1/2 age. |
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Speaker
Side Hero Username: Speaker
Post Number: 5954 Registered: 01-2019 Posted From: 184.151.127.65
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 04:15 pm: |
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Twitter:genl ga pettanu ..asale kalikalam evadni nammatledhu janalu
jaffalokam..Anthe.. Inform, Amuse, Confuse, Evoke.. |
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Twitter
Legend Username: Twitter
Post Number: 67089 Registered: 10-2009 Posted From: 66.194.212.183
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 04:13 pm: |
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Speaker:Neeyavva..nuvvu mosaalu chestunnavani evvadannadehaa..Jagrattha ani warning icchaa anthe..
adhi neeku kadhule annai ..genl ga pettanu ..asale kalikalam evadni nammatledhu janalu  |
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Speaker
Side Hero Username: Speaker
Post Number: 5950 Registered: 01-2019 Posted From: 184.151.127.64
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 04:04 pm: |
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Twitter:
Neeyavva..nuvvu mosaalu chestunnavani evvadannadehaa..Jagrattha ani warning icchaa anthe.. Inform, Amuse, Confuse, Evoke.. |
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Twitter
Legend Username: Twitter
Post Number: 67088 Registered: 10-2009 Posted From: 66.194.212.183
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 04:00 pm: |
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actually looking for putting some money in 529 or equivalent plan , these plans seems so good , thought why not and started my deligence ..and this is part of that anuko btw aa mosalu scam lu cheyalante aa blood veru breedu veru undali mana valla kadhu |
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Twitter
Legend Username: Twitter
Post Number: 67087 Registered: 10-2009 Posted From: 66.194.212.183
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 03:57 pm: |
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Speaker:nuvvedo avvado konkiska online spam kaani...evvado butta lo paddattu unnaav..
ehes they are too good to believe that is why taking help of db people, ilanti group okati choosthe dhanlo holes bayataki padathai ani na prayathnam . nenu cash cheskune dhuruddhesam em ledhu |
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Humpty_dumpty
Moderator Username: Humpty_dumpty
Post Number: 39086 Registered: 02-2009
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 02:31 pm: |
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i am with rebel ji majority (+80%) of target date funds offered in a 401k plan are indexed funds pick funds with low expense and stick to it |
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Ramjirao
Side Hero Username: Ramjirao
Post Number: 3821 Registered: 02-2019 Posted From: 152.51.56.1
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 02:06 pm: |
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Rebel:https://www.financialsamurai.com/how-much-should-one-have-in -their-401k-at-different-ages/
Hmm. Naa age ki not even at low end. started in 401K bit latee and also modatlo used to keep just 2-3K per year and No employer match since last 12 years. that effected negatively |
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Siloan
Legend Username: Siloan
Post Number: 65458 Registered: 03-2008 Posted From: 132.174.100.203
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 02:04 pm: |
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Rebel:401k is best Stop giving your email ids like sheep
ok |
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Acf
Side Hero Username: Acf
Post Number: 4524 Registered: 01-2008 Posted From: 171.161.160.10
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 02:03 pm: |
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what is IUL? please share details to me as well gangleader@gmail.com. thanks |
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Speaker
Side Hero Username: Speaker
Post Number: 5922 Registered: 01-2019 Posted From: 192.197.178.2
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 02:01 pm: |
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Twitter:
nuvvedo avvado konkiska online spam kaani...evvado butta lo paddattu unnaav.. be careful n watchfulll... Inform, Amuse, Confuse, Evoke.. |
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Rebel
Hero Username: Rebel
Post Number: 17219 Registered: 02-2008 Posted From: 76.184.231.151
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 01:57 pm: |
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Cool_indian:
median individual personal income in US is 32K Valla ki fidelity link. |
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Cool_indian
Side Hero Username: Cool_indian
Post Number: 4266 Registered: 02-2008 Posted From: 108.253.242.151
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 09:35 am: |
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Rebel:https://www.financialsamurai.com/how-much-should-one-have-in -their-401k-at-different-ages/
Even the low end numbers/age and way too high. I dont think those numbers are realistic or close to an average saver. Here are some numbers by FIdelity (largest 401K operator) https://www.cnbc.com/2019/06/19/how-much-money-americans-in- their-40s-have-in-their-401ks.html |
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Twitter
Legend Username: Twitter
Post Number: 67086 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 08:39 am: |
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Mamamiya786:
@Mav will let you know when i get it . |
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Rebel
Hero Username: Rebel
Post Number: 17218 Registered: 02-2008 Posted From: 76.184.231.151
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 08:23 am: |
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Mamamiya786:
https://www.financialsamurai.com/how-much-should-one-have-in -their-401k-at-different-ages/ |
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Rebel
Hero Username: Rebel
Post Number: 17217 Registered: 02-2008 Posted From: 76.184.231.151
Rating:  Votes: 1 (Vote!) | | Posted on Thursday, June 20, 2019 - 08:20 am: |
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401k is best Stop giving your email ids like sheep |
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Mamamiya786
Megastar Username: Mamamiya786
Post Number: 26151 Registered: 06-2008 Posted From: 69.109.128.225
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 08:08 am: |
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Twitter:ccdbtwitter@gmail.com ki oka mail ivvu brother mahattharamaina plans dhorikinai ee madhya i can share with you
a twitter share with me too , mamamiya786@yahoo.com Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt. Jagan|Modi| |
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Maverick
Legend Username: Maverick
Post Number: 74753 Registered: 01-2008 Posted From: 73.53.118.42
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 08:05 am: |
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Twitter:
interested. cheppu webinar eppudo bitnbyte at gmail There's a cacophony in the truth, A melody in lies and it accompanies one on every journey, From the lows to the highs |
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Twitter
Legend Username: Twitter
Post Number: 67085 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 07:58 am: |
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Anthamidhya:From what I have read about IULs, they seem to have lot of fees. Twitter please elaborate on how they are better with 5% fee on the premium you pay?
this is a myth guys , the plans i am looking at are 1/10th of the existing fees. They are cheap and global indexed you never loose money . I am planning to keep a webnair to clear all these concepts. if interested just send an email I will arrange this , just for education purpose. |
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Anthamidhya
Junior Artist Username: Anthamidhya
Post Number: 658 Registered: 02-2017 Posted From: 70.119.103.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 07:14 am: |
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From what I have read about IULs, they seem to have lot of fees. Twitter please elaborate on how they are better with 5% fee on the premium you pay? For most people who are financially not savvy ( 10th fail in OT baasha, nothing wrong all of us are modani in some field ), first is to max out 401k - more so if you are single worker in your family. Next comes tax balancing acts but if you are single breadwinner 401k nee max cheyyalemu since there will be expenses. I suggest talking to a financial planner unless you are comfortable sharing your details and discussing more with me. 401k lo muusukoni low cost index fund lo pettukoovarame. |
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Fargo
Hero Username: Fargo
Post Number: 15716 Registered: 04-2012 Posted From: 75.168.105.129
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 06:29 am: |
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Twitter:
twit can u 3mail me too please Vellanki@gmail.com |
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Komaranna
Hero Username: Komaranna
Post Number: 12181 Registered: 07-2010 Posted From: 73.247.189.194
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 05:16 am: |
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twitter sorry ... chantichantodu@gmail ki mial peettu |
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Bezawada_rowdy
Junior Artist Username: Bezawada_rowdy
Post Number: 344 Registered: 02-2014 Posted From: 68.9.196.253
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 02:55 am: |
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Perfect thread on perfect time @Twitter Pease email me salimfakuu@gmail.com Desam ithe manadhi kani manushule parayivallu |
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Anthamidhya
Junior Artist Username: Anthamidhya
Post Number: 657 Registered: 02-2017 Posted From: 70.119.103.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 02:10 am: |
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Mano:
IULs are front loaded with high fees kada. Aren’t we better off with term life n investing the difference in index elsewhere. Can you share the fees if you bought an IUL ? |
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Mano
Side Hero Username: Mano
Post Number: 2372 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 11:55 pm: |
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Ramchander:PA-529
I don't recommend this.... |
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Mano
Side Hero Username: Mano
Post Number: 2371 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 11:28 pm: |
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Mamamiya786:What is IUL
Indexed Universal Life... it's an insurance with lots of benefits |
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Ramchander
Comedian Username: Ramchander
Post Number: 1796 Registered: 02-2018 Posted From: 72.78.71.192
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 10:51 pm: |
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Chaala confusing ga undhi kadha brothers UFFF so 401k plus PA-529 inka extra emi cheyochu |
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Mamamiya786
Megastar Username: Mamamiya786
Post Number: 26149 Registered: 06-2008 Posted From: 69.109.128.225
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 10:51 pm: |
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Mano:Make an ideal balance of your portfolio with Real Estate (rental income is taxed), 401k (tax deffered but will be taxed at the time of withdrawal), IUL, Roth IRA & Municipal Bonds (all are tax free). This combination should be ideal for everyone.
40k lo naku already pedda contribution emi ledu .. ...so maxing out is not a big thing anukuntunna ..atlest for next 3/4years.. I will look into municial bonds and real estate . .. Roth ira eligibilty andariki vundadu .. What is IUL Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt. Jagan|Modi| |
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Junior_no1
Legend Username: Junior_no1
Post Number: 30566 Registered: 09-2014 Posted From: 223.238.17.19
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 10:49 pm: |
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Vjawarrior:I saved 55k like this in 1.5 years
ijiaaa ok 10k 2 Rs interest ki iyyochuga Technologytho Dongatanam chese Party |
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Mano
Side Hero Username: Mano
Post Number: 2370 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 10:43 pm: |
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Forgot to mention about RMD... after 70-1/2 years of age... you are mandated to make a certain minimum withdrawal from your 401k... SSN benefits along with this will put you again into tax bracket. Make an ideal balance of your portfolio with Real Estate (rental income is taxed), 401k (tax deffered but will be taxed at the time of withdrawal), IUL, Roth IRA & Municipal Bonds (all are tax free). This combination should be ideal for everyone. |
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Mano
Side Hero Username: Mano
Post Number: 2368 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 10:29 pm: |
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Mamamiya786:but confusion ga .. vudi .. some friends say to inverst in real estate and stocks also . I have to decide , if i really want to max out every year from now on.
Bhayya... your retirement investments have to be diversified... don't put everything in 401k. Keep one thing in mind... after retirement whatever you take from 401k is TAXED based on your withdrawals. You are deferring taxes now that's all. Investment some in real estate... but I recommend you to look into IUL. Growth is tax free. |
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Mamamiya786
Megastar Username: Mamamiya786
Post Number: 26148 Registered: 06-2008 Posted From: 69.109.128.225
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 10:21 pm: |
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Anthamidhya:haiyya, the rate at which you are contributing you should be able to take out ~200k per year at retirement ( assumptions being invested in indexed fund for 30 more years with 7% return ) exact ga kaavaali ante tell current total balance in 401k n how many more years do you have before retirement .
ei pace ( max out ) continue cheyya galigite super anukuntunna ... but confusion ga .. vudi .. some friends say to inverst in real estate and stocks also . I have to decide , if i really want to max out every year from now on. i will contact you next month , after i revisit every thing. for now break for 10 days to db . Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt. Jagan|Modi| |
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Mano
Side Hero Username: Mano
Post Number: 2367 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 10:10 pm: |
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Vjawarrior:bajaj alliance lo investing 5 years nunchi...1 crore cover... 36 laks pay chesaanu ippati varuku...now account value at 46lacs... i plan to do this for next 10 years...
Are you US Citizen? Did you let Indian Insurance company know that you are a US Citizen? There are restrictions... check before you pursue further |
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Ramchander
Comedian Username: Ramchander
Post Number: 1793 Registered: 02-2018 Posted From: 72.78.71.192
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 08:59 pm: |
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Thanks a lot brothers very informative..Deeni batti emi ardham ayindhi ante Zero knowledge on investing naaku |
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Anthamidhya
Junior Artist Username: Anthamidhya
Post Number: 647 Registered: 02-2017 Posted From: 70.119.103.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 08:15 pm: |
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Mamamiya786:
Bhaiyya, the rate at which you are contributing you should be able to take out ~200k per year at retirement ( assumptions being invested in indexed fund for 30 more years with 7% return ) exact ga kaavaali ante tell current total balance in 401k n how many more years do you have before retirement . Also, check ss website for your ss benefits- it will tell you how much you will get in retirement per month, my guess is 6-10k which should only increase as you continue working since it takes your best 10years of pay to compute. Btw, you can do some math like this on 401k website too but if finance bores you I can do it for you ): You can send an email to my db connected with more details |
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Mamamiya786
Megastar Username: Mamamiya786
Post Number: 26146 Registered: 06-2008 Posted From: 69.109.128.225
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 07:13 pm: |
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Anthamidhya:2x your salary by 40 t
ok.. this may not be difficult . some other friend said , 500k is good. even if we put 18 to 20 k per year from now on , it will be 40 k by 60 .. if there is a growth .. we are good. atleast 10k sure ga pettali . Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt. Jagan|Modi| |
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Twitter
Legend Username: Twitter
Post Number: 67084 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 06:37 pm: |
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Musafir:
auto correct lo edho porapatu aindhi le oggei dora.. |
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Musafir
Side Hero Username: Musafir
Post Number: 2910 Registered: 10-2018 Posted From: 50.240.249.187
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 06:11 pm: |
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Twitter:Your
You are. Intlo pillalaki cheppi cheppi burra vachi poyindi. Praying for something implies that, despite God's omniscience, he doesn't already know what you want. |
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Vjawarrior
Legend Username: Vjawarrior
Post Number: 39358 Registered: 02-2014 Posted From: 69.193.105.226
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 05:49 pm: |
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Twitter: Your doing good bro.. Bloomberg plans kooda untai choodu
need to see...i never knew we have these kind of plans here Power starrrrrrrrrr will rockkkkkkkkkkkkk |
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Twitter
Legend Username: Twitter
Post Number: 67082 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 05:38 pm: |
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Vjawarrior:
Your doing good bro.. Bloomberg plans kooda untai choodu |
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Vjawarrior
Legend Username: Vjawarrior
Post Number: 39357 Registered: 02-2014 Posted From: 69.193.105.226
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 05:27 pm: |
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Twitter: yes IUL is what i want to suggest , 770 plans are good if we design it properly
bajaj alliance lo investing 5 years nunchi...1 crore cover... 36 laks pay chesaanu ippati varuku...now account value at 46lacs... i plan to do this for next 10 years... Power starrrrrrrrrr will rockkkkkkkkkkkkk |
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Twitter
Legend Username: Twitter
Post Number: 67081 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 05:20 pm: |
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Mano:401k is just deferring tax to later date.... instead go with IUL... look to Tax Free... such as Indexed Universal Life and other options
yes IUL is what i want to suggest , 770 plans are good if we design it properly |
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Twitter
Legend Username: Twitter
Post Number: 67080 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 05:19 pm: |
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Vjawarrior:18k per person is max naa
sam vunkl 19k chesad kadha update avvaledha |
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Twitter
Legend Username: Twitter
Post Number: 67079 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 05:18 pm: |
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Fargo:60 lopu pothee mana spouse or kid ki eppudu ostayi? entha % ostayi?
She can rollover into her 401k a.c or she can take lump sum (taxable) or life time payout option . if she can wait until 70.5 yrs then it is all tax free . chaala options unnai. |
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Vjawarrior
Legend Username: Vjawarrior
Post Number: 39356 Registered: 02-2014 Posted From: 69.193.105.226
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 05:08 pm: |
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Mamamiya786:45k every year for now
18k per person is max naa...so 36k...9k matching aaa? Power starrrrrrrrrr will rockkkkkkkkkkkkk |
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Anthamidhya
Junior Artist Username: Anthamidhya
Post Number: 646 Registered: 02-2017 Posted From: 70.119.103.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 04:43 pm: |
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Mamamiya786:
need to have 2x your salary by 40 to maintain similar life style as of now. But if you are doing 40k each year you should be good |
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Mano
Side Hero Username: Mano
Post Number: 2365 Registered: 07-2018 Posted From: 72.82.157.197
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 04:13 pm: |
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Ramchander:
401k is just deferring tax to later date.... instead go with IUL... look to Tax Free... such as Indexed Universal Life and other options |
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Fargo
Hero Username: Fargo
Post Number: 15715 Registered: 04-2012 Posted From: 205.167.199.122
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 04:10 pm: |
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Twitter:
60 lopu pothee mana spouse or kid ki eppudu ostayi? entha % ostayi? |
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Fargo
Hero Username: Fargo
Post Number: 15714 Registered: 04-2012 Posted From: 205.167.199.122
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 04:07 pm: |
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Musafir:
Musafir:Withdraw chesetappudu you only pay taxes on the amount withdrawn. Potentially, if you take 80K, 9525 10% 952.5 29175 12% 3501 41300 22% 9086 80000 16.92% (Effective tax rate) 13539.5
Below 60 chesina anthena bro? |
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Mamamiya786
Megastar Username: Mamamiya786
Post Number: 26142 Registered: 06-2008 Posted From: 69.109.128.225
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 04:04 pm: |
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Anthamidhya:
yes ..both matchig plans ... But any way .. usual ga 401k lo entha vunali at the time of retirment .... lets say you don't have to pay for home , car etc.. Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt. Jagan|Modi| |
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Anthamidhya
Junior Artist Username: Anthamidhya
Post Number: 645 Registered: 02-2017 Posted From: 70.119.103.67
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 03:59 pm: |
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Mamamiya786:
how are you maxing our at 45k? Isn’t limit 19k ? Or are you referring to your wife’s plan n matching amounts as well? |
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Mamamiya786
Megastar Username: Mamamiya786
Post Number: 26141 Registered: 06-2008 Posted From: 204.193.85.20
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 03:19 pm: |
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idi oka pedda question naku ... nenu last year max out chesamu first time (both). ei year kuda ade process lo vunnamu . correcta , kada ane confusion lo nenu max out chestunna prastutaniki .. 45k every year for now. Ei year end lopu decide cheyali .. continue cheyala vadda ani. But one things 45k ki 10 to 12 k tax katti aroud 35k nuvvu vadukovachhu ...12 bokka plus any employer contribution. Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt. Jagan|Modi| |
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Emc2
Legend Username: Emc2
Post Number: 78637 Registered: 03-2008 Posted From: 216.81.81.80
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 02:20 pm: |
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please invest with me, safe and secure, 15 to 25% annual return It's ok
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Komaranna
Hero Username: Komaranna
Post Number: 12180 Registered: 07-2010 Posted From: 206.80.128.22
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 01:18 pm: |
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twitt naku guda mail ettu.... chantoduchanti@gmail.com |
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Eureka
Junior Artist Username: Eureka
Post Number: 400 Registered: 06-2013 Posted From: 204.145.114.6
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:47 pm: |
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Twitter anna, can you post those plans here plz |
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Twitter
Legend Username: Twitter
Post Number: 67077 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:25 pm: |
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Itzpetergriffin:konchem light veyagalaru...
https://www.irs.gov/retirement-plans/plan-participant-employ ee/retirement-topics-required-minimum-distributions-rmds |
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Musafir
Side Hero Username: Musafir
Post Number: 2886 Registered: 10-2018 Posted From: 165.225.34.114
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:17 pm: |
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Ramchander:Cool, so max out better
Thing is, you can always scale back whenever necessary. So little risk in contributing a little extra now. Praying for something implies that, despite God's omniscience, he doesn't already know what you want. |
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Itzpetergriffin
Comedian Username: Itzpetergriffin
Post Number: 1704 Registered: 04-2012 Posted From: 63.241.111.230
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:16 pm: |
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Twitter: there is something call RMD (Required Minimum Distribution) adhi cheyakapothe
konchem light veyagalaru... |
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Twitter
Legend Username: Twitter
Post Number: 67076 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:11 pm: |
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Brightlife34:And if you redeem in a timely fashion you will escape with little tax
Yes this is one trick so many people miss and IRS wont let people know , there is something call RMD (Required Minimum Distribution) adhi cheyakapothe tax latho sampestharu ..but most of the people ignore these things. |
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Rgb
Side Hero Username: Rgb
Post Number: 6064 Registered: 06-2014 Posted From: 108.35.188.15
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:10 pm: |
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Max out really depends on how much money you need. Generally its good to contribute as much as you can Also if your employer is matching to lets say 6%, make sure you contribute as much |
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Musafir
Side Hero Username: Musafir
Post Number: 2885 Registered: 10-2018 Posted From: 165.225.34.114
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:09 pm: |
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Twitter:, it is tax deferred anthe .
Withdraw chesetappudu you only pay taxes on the amount withdrawn. Potentially, if you take 80K, 9525 10% 952.5 29175 12% 3501 41300 22% 9086 80000 16.92% (Effective tax rate) 13539.5 In stead of paying 22% or 25% or more depending on where your tax bracket is, you eventually end up paying lower taxes. And on top of it, you take advantage of employer match and steady growth. Praying for something implies that, despite God's omniscience, he doesn't already know what you want. |
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Twitter
Legend Username: Twitter
Post Number: 67075 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:07 pm: |
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Vjawarrior:free money vastundi gaa guru...put in by the company
i am not saying completely ditch the contribution oka 50% post tax investments cheskodam better. entha raise aina 2001 or 09 repeat authe matte kadha guru .. market situation ki affect avvakoodadhu mana investments , it has to be indexed. |
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Ramchander
Comedian Username: Ramchander
Post Number: 1789 Registered: 02-2018 Posted From: 96.90.43.181
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:06 pm: |
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Brightlife34:And if you redeem in a timely fashion you will escape with little tax
Anna can you eloborate |
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Brightlife34
Side Hero Username: Brightlife34
Post Number: 3822 Registered: 11-2017 Posted From: 172.58.173.117
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:05 pm: |
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Twitter:
Crop vache time ki income undadu kada if you retire And if you redeem in a timely fashion you will escape with little tax And ofcourse 6-7% equity return observed historically till you retire |
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Ramchander
Comedian Username: Ramchander
Post Number: 1788 Registered: 02-2018 Posted From: 96.90.43.181
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:05 pm: |
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Biggboss:Actually ee tax bracket lo unna if you don�t have any investments like me, Oka house Konu and max out 401k
cool thanks anna  Twitter:ccdbtwitter@gmail.com ki oka mail ivvu brother mahattharamaina plans dhorikinai ee madhya i can share with you
Sure brother ippude email chesthanu Musafir:If you already have 20% down payment, another 15-20K in cash, and can make home payments with only one salary, max out.
Cool, so max out better .. Thanks anna...Twitter anna why is 401k bokka? |
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Vjawarrior
Legend Username: Vjawarrior
Post Number: 39344 Registered: 02-2014 Posted From: 69.193.105.226
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:04 pm: |
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Twitter:401 k lo dabbul veyyadam brokka , it is tax deferred anthe .. seed meedha tax veyakunda crop meedha tax vese trap adhi ..dont waste your money there guys
free money vastundi gaa guru...put in by the company Power starrrrrrrrrr will rockkkkkkkkkkkkk |
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Twitter
Legend Username: Twitter
Post Number: 67074 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:03 pm: |
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Biggboss:ANnayi share with me too, I am in the market for term insurance too biggboss.ccdb@gmail.com
sure |
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Biggboss
Hero Username: Biggboss
Post Number: 11438 Registered: 08-2017 Posted From: 172.58.37.109
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:02 pm: |
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Twitter:
ANnayi share with me too, I am in the market for term insurance too biggboss.ccdb@gmail.com |
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Musafir
Side Hero Username: Musafir
Post Number: 2884 Registered: 10-2018 Posted From: 165.225.34.114
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:01 pm: |
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Ramchander:house kondhamu
If you already have 20% down payment, another 15-20K in cash, and can make home payments with only one salary, max out. Praying for something implies that, despite God's omniscience, he doesn't already know what you want. |
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Twitter
Legend Username: Twitter
Post Number: 67073 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:01 pm: |
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401 k lo dabbul veyyadam brokka , it is tax deferred anthe .. seed meedha tax veyakunda crop meedha tax vese trap adhi ..dont waste your money there guys |
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Vjawarrior
Legend Username: Vjawarrior
Post Number: 39342 Registered: 02-2014 Posted From: 69.193.105.226
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:00 pm: |
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Biggboss: Actually ee tax bracket lo unna if you don�t have any investments like me
lol...nuvvu hyd lo oka range lands koonav gaa Power starrrrrrrrrr will rockkkkkkkkkkkkk |
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Twitter
Legend Username: Twitter
Post Number: 67072 Registered: 10-2009 Posted From: 136.56.55.91
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 12:00 pm: |
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Ramchander:Better antara ante max investment ledhu aa investment vere daani payna better aa Best way to invest ardham aithaledhu
ccdbtwitter@gmail.com ki oka mail ivvu brother mahattharamaina plans dhorikinai ee madhya i can share with you |
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Biggboss
Hero Username: Biggboss
Post Number: 11437 Registered: 08-2017 Posted From: 172.58.37.109
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 11:59 am: |
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Ramchander:Top tax bracket ante entha anna? Iddaru working house kondhamu ani chusthunamu..
Actually ee tax bracket lo unna if you don’t have any investments like me, Oka house Konu and max out 401k |
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Ramchander
Comedian Username: Ramchander
Post Number: 1787 Registered: 02-2018 Posted From: 96.90.43.181
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 11:56 am: |
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Vja anna maaku stocks ledhu..
Biggboss:ddaru working and no other investment and if you are in the top tax bracket just max out
Top tax bracket ante entha anna? Iddaru working house kondhamu ani chusthunamu.. |
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Vjawarrior
Legend Username: Vjawarrior
Post Number: 39336 Registered: 02-2014 Posted From: 69.193.105.226
Rating:  Votes: 2 (Vote!) | | Posted on Wednesday, June 19, 2019 - 11:43 am: |
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make sure u max out and also maxout on ur stocks given by ur company on discount.. I saved 55k like this in 1.5 years Power starrrrrrrrrr will rockkkkkkkkkkkkk |
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Biggboss
Hero Username: Biggboss
Post Number: 11436 Registered: 08-2017 Posted From: 172.58.37.109
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 11:42 am: |
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Iddaru working and no other investment and if you are in the top tax bracket just max out |
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Ramchander
Comedian Username: Ramchander
Post Number: 1786 Registered: 02-2018 Posted From: 96.90.43.181
Rating: N/A Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 11:40 am: |
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Better antara ante max investment ledhu aa investment vere daani payna better aa Best way to invest ardham aithaledhu |