[joec]

I’ve reviewed this question many times myself in the past and have changed my view on this a while back. I used to be in the camp of 100% Roth because the goverment can only raise your taxes, but take a look at this article and some the other links in the article and you might rethink your view. I know I have. Also, a key point which is very true is job changes / layoffs, etc where you can choose at anytime when you want to do an IRA conversion to a Roth and pay low or no tax. Another good point is all the tax credits for lower income folks or middle income folks. Like the new home buyer credit, you can’t get if your income is too high.

Also, if you ever start a business, you can be looking at low taxes for a few years and do conversions every year to use up your business losses, exemptions, deductions, etc…

Unlike our parents, 30 years at the same company with a pension is very unlikely and for the overall flexibility and not being “forced” to pay taxes now, I think a regular 401k or traditional makes a lot of sense.

For people without a stable pension paying you 50 or 100k, your IRAs/401ks will probably be your only income next to social security so (check the links), you would need a pretty massive IRA before you will be in a higher tax bracket than the minimum tax rates.

http://thefinancebuff.com/2008/03/case-against-roth-401k.html

[joec]

I’ve reviewed this question many times myself in the past and have changed my view on this a while back. I used to be in the camp of 100% Roth because the goverment can only raise your taxes, but take a look at this article and some the other links in the article and you might rethink your view. I know I have. Also, a key point which is very true is job changes / layoffs, etc where you can choose at anytime when you want to do an IRA conversion to a Roth and pay low or no tax. Another good point is all the tax credits for lower income folks or middle income folks. Like the new home buyer credit, you can’t get if your income is too high.

Also, if you ever start a business, you can be looking at low taxes for a few years and do conversions every year to use up your business losses, exemptions, deductions, etc…

Unlike our parents, 30 years at the same company with a pension is very unlikely and for the overall flexibility and not being “forced” to pay taxes now, I think a regular 401k or traditional makes a lot of sense.

For people without a stable pension paying you 50 or 100k, your IRAs/401ks will probably be your only income next to social security so (check the links), you would need a pretty massive IRA before you will be in a higher tax bracket than the minimum tax rates.

http://thefinancebuff.com/2008/03/case-against-roth-401k.html

[joec]

I’ve reviewed this question many times myself in the past and have changed my view on this a while back. I used to be in the camp of 100% Roth because the goverment can only raise your taxes, but take a look at this article and some the other links in the article and you might rethink your view. I know I have. Also, a key point which is very true is job changes / layoffs, etc where you can choose at anytime when you want to do an IRA conversion to a Roth and pay low or no tax. Another good point is all the tax credits for lower income folks or middle income folks. Like the new home buyer credit, you can’t get if your income is too high.

Also, if you ever start a business, you can be looking at low taxes for a few years and do conversions every year to use up your business losses, exemptions, deductions, etc…

Unlike our parents, 30 years at the same company with a pension is very unlikely and for the overall flexibility and not being “forced” to pay taxes now, I think a regular 401k or traditional makes a lot of sense.

For people without a stable pension paying you 50 or 100k, your IRAs/401ks will probably be your only income next to social security so (check the links), you would need a pretty massive IRA before you will be in a higher tax bracket than the minimum tax rates.

http://thefinancebuff.com/2008/03/case-against-roth-401k.html

[joec]

Is your new home part of the phase 4A release homes of Chanteclair? It’d be interesting to see how prices will be when Cal West releases pricing for Andalucia and Monteluz (more new home supply in 4S). I think they will be in the 700s though with their larger lots.

[joec]

Is your new home part of the phase 4A release homes of Chanteclair? It’d be interesting to see how prices will be when Cal West releases pricing for Andalucia and Monteluz (more new home supply in 4S). I think they will be in the 700s though with their larger lots.

[joec]

Is your new home part of the phase 4A release homes of Chanteclair? It’d be interesting to see how prices will be when Cal West releases pricing for Andalucia and Monteluz (more new home supply in 4S). I think they will be in the 700s though with their larger lots.

[joec]

Is your new home part of the phase 4A release homes of Chanteclair? It’d be interesting to see how prices will be when Cal West releases pricing for Andalucia and Monteluz (more new home supply in 4S). I think they will be in the 700s though with their larger lots.

[joec]

Is your new home part of the phase 4A release homes of Chanteclair? It’d be interesting to see how prices will be when Cal West releases pricing for Andalucia and Monteluz (more new home supply in 4S). I think they will be in the 700s though with their larger lots.

[joec]

Reading this article, you get a sense that some folks feel they should just tax people 100% and see what happens. Wow, it will raise 200 trillion by 2020!

Not to mention, change Roth IRAs and tax those at 95% too since the guvment needs money.

Seriously, I doubt these ideas will pass since anyone who votes for it will be out of office next term or recalled sooner.

[joec]

Reading this article, you get a sense that some folks feel they should just tax people 100% and see what happens. Wow, it will raise 200 trillion by 2020!

Not to mention, change Roth IRAs and tax those at 95% too since the guvment needs money.

Seriously, I doubt these ideas will pass since anyone who votes for it will be out of office next term or recalled sooner.

[joec]

Reading this article, you get a sense that some folks feel they should just tax people 100% and see what happens. Wow, it will raise 200 trillion by 2020!

Not to mention, change Roth IRAs and tax those at 95% too since the guvment needs money.

Seriously, I doubt these ideas will pass since anyone who votes for it will be out of office next term or recalled sooner.

[joec]

Reading this article, you get a sense that some folks feel they should just tax people 100% and see what happens. Wow, it will raise 200 trillion by 2020!

Not to mention, change Roth IRAs and tax those at 95% too since the guvment needs money.

Seriously, I doubt these ideas will pass since anyone who votes for it will be out of office next term or recalled sooner.

[joec]

Reading this article, you get a sense that some folks feel they should just tax people 100% and see what happens. Wow, it will raise 200 trillion by 2020!

Not to mention, change Roth IRAs and tax those at 95% too since the guvment needs money.

Seriously, I doubt these ideas will pass since anyone who votes for it will be out of office next term or recalled sooner.

[joec]

One thing I’m reading that people don’t consider also is that when you buy a resale/used home, sure, you’re getting the landscaping, window coverings, any flooring upgrades for free, etc…but after 10-20 years, the design style is old and you really miss out on modern construction specs such as better insulation, full cat-5e wiring and cable all over the house, dual zone air-con, etc…

Not to mention that many folks will want to rip out all the old freebies anyways and put in their own window coverings, flooring etc so that’s a total waste of time and money to rip up and re-install.

Even 5 year old things SHOULD be pretty worthless after so many years of use. In my view, any used item is an auto 50% off already since you didn’t select or pick it compared with buying new and your own designs.

The main thing with this builder is they have very little competition now in 4S since Silhouette is completely shutdown (John Laing) and for folks who want a NEW home and a driveway, Chanteclair is the only option.

All the homes being reserved in 1 hour means they left some money on the table so it wouldn’t surprise me if pricing for the next phase goes higher.

15% is way too high I think for most folks when if comes to what MOST folks spend for landscaping.

Also, you don’t have to get hardwood floors or shutters…I personally like carpet myself.

[joec]

One thing I’m reading that people don’t consider also is that when you buy a resale/used home, sure, you’re getting the landscaping, window coverings, any flooring upgrades for free, etc…but after 10-20 years, the design style is old and you really miss out on modern construction specs such as better insulation, full cat-5e wiring and cable all over the house, dual zone air-con, etc…

Not to mention that many folks will want to rip out all the old freebies anyways and put in their own window coverings, flooring etc so that’s a total waste of time and money to rip up and re-install.

Even 5 year old things SHOULD be pretty worthless after so many years of use. In my view, any used item is an auto 50% off already since you didn’t select or pick it compared with buying new and your own designs.

The main thing with this builder is they have very little competition now in 4S since Silhouette is completely shutdown (John Laing) and for folks who want a NEW home and a driveway, Chanteclair is the only option.

All the homes being reserved in 1 hour means they left some money on the table so it wouldn’t surprise me if pricing for the next phase goes higher.

15% is way too high I think for most folks when if comes to what MOST folks spend for landscaping.

Also, you don’t have to get hardwood floors or shutters…I personally like carpet myself.

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