Home > COUGH. Sniffl, sniff.

COUGH. Sniffl, sniff.

May 21st, 2012 at 07:29 pm

That's me. All day long. I guess it'll get worse before it gets better.

Naturally, when I'm feeling my lowest is when i get more work to do.

My real estate client has already given me a 2nd sales brochure to do in addition to the first, which I only just began. I am thrilled to have the work. Both are luxury home subdivisions. I usually interview the builder, often the sales manager appointed to market the property by the real estate company, and then I do my writeup.

It's just a little hard to really go at it because my energy level is zilch and I don't feel much like talking, let alone intelligently.

I should be all over it now since I go back to my p/t job Wed/Thurs/Friday so won't have time to interview anyone.

Ah, well.

I got a big $3 settlement from a class action lawsuit involving KFC.

It's raining now. Good for the garden.

Thinking more about what to do about an IRA contribution this year. I have never missed making the full contribution on any year, but that's because, since I always had ample savings, I would simply sell taxable mutual funds and transfer the money over to my Roth.

I could do the same this year, though I'm nervous about doing so as my income is so low. Also, all my taxable money is stuck in an international fund, which is way down due to what's happening in Europe. So i'd be selling at a big loss.

I have only so much free cash on hand and at some point in the next few years, I imagine I'll need a new car. Once unemployment runs out, if I'm still lacking a salaried position, I may be needing that taxable lump sum to live on. So I don't know. I think I will take the risk and contribute to the Roth anyway, since I could withdraw without penalty if I needed to.

2 Responses to “COUGH. Sniffl, sniff.”

  1. Petunia 100 Says:

    I think you should sell 6k of your international fund and send that 6k to your Roth. The money will grow tax-free and you will realize a nice taxable loss. To avoid a wash sale, buy into a different international fund (assuming you don't need to re-balance into a different asset class). For example, if you own Total International in taxable, buy International Value inside your Roth. Wait out the 31 days and exchange back to Total International if that is what you prefer.

    Hope you feel better!

  2. rob62521 Says:

    Hope you didn't spend that "huge" settlement all in one place! Hope you are feeling better.

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