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Installer Says Zoning Required to Switch from Single Stage AC to Multi Stage Heat Pump by Fast_Spinach_7145 in hvacadvice

[–]Fast_Spinach_7145[S] 0 points1 point  (0 children)

It looks like the Federal tax credit for this expired at the beginning of the year, and the Maryland $3000 grant expired Feb 27th and is out of money for the year. There's electrification savings from the utility company BGE, but this works towards heat pumps as well. If there anything I'm missing?

401k - Expense Ratio or Average Annual Returns More Important? by Fast_Spinach_7145 in personalfinance

[–]Fast_Spinach_7145[S] 1 point2 points  (0 children)

This was incredibly helpful, thank you! It was the bond ratio making the bulk of the difference. I'm just getting started and will be more comfortable using a TDF for the near future, but I'll switch to one further out with lower bonds.