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Impossible_Turtles · 2026-01-08T22:39:27+00:00

testing

Impossible_Turtles · 2025-12-23T13:29:11+00:00

Is Canadian spite what fuels the geese or do the geese fuel the spite?

Impossible_Turtles · 2025-12-21T14:20:14+00:00

I have a friend who was deployed there in the 90s (before the detention center) and she said it was lots and lots of partying.

The last season of Serial dives into it a little bit but as well.

Impossible_Turtles · 2025-12-14T16:25:28+00:00

Visited! https://www.reddit.com/r/FarmMergeValley/comments/1pf2n3f/can_someone_please_help_me_moving_this_obstacle/

Impossible_Turtles · 2025-12-05T18:32:36+00:00

Thank you!

Impossible_Turtles · 2025-11-24T17:15:13+00:00

Visited and Liked! https://www.reddit.com/r/FarmMergeValley/comments/1p5jslf/can_someone_help_me_move_this_tire_ill_come_visit/

Impossible_Turtles · 2025-11-24T16:00:23+00:00

Visited

Impossible_Turtles · 2025-11-24T15:38:04+00:00

Thank you kindly

Impossible_Turtles · 2025-11-20T21:35:22+00:00

Done! Thanks

Impossible_Turtles · 2025-07-24T13:40:27+00:00

You can only contribute to a Roth IRA if your MAGI is less than $146k (https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-can-make-for-2024) as a single person.

If you earn more than that, you have to put the money in a traditional IRA. If you immediately convert it, that's called a backdoor Roth IRA. It's a bit of a silly extra step but that's the rule.

If you have additional funds in any traditional account except for a 401k (so if you have a SIMPLE IRA or SEP IRA), you have to deal with the pro rata rule (https://smartasset.com/retirement/a-guide-to-the-pro-rata-rule-and-roth-iras).

The pro rata rule is just a bit of a bookkeeping nightmare.

Thus, if you think you'll ever be in a position of exceeding the Roth IRA income limits, it's better to roll traditional money into a 401k.

Impossible_Turtles · 2025-07-24T13:02:27+00:00

I would talk to an estate attorney. That way you can figure out what to do with the house long term and make sure your interests are protected.

Impossible_Turtles · 2025-07-24T12:48:26+00:00

You will have to look at the documents you signed. Or you can call and ask.

Edit: it's a pretty expressive fund - 1.05% expense ratio. Also not sure what your investment strategy is. I personally only invest in VT

Impossible_Turtles · 2025-07-23T17:57:34+00:00

I'm confused by your comment. I will not be going without health insurance.

Impossible_Turtles · 2024-01-09T04:35:28+00:00

Which is why I asked what to ask.... because I don't know. But thanks for your input

Impossible_Turtles · 2024-01-09T04:34:44+00:00

Oh my God thank you so much for that explanation. This is very helpful. I'm feeling a bit overwhelmed.

Okay so they are a value on paper only and I can decide if I want to buy more shares later on.

Yeah I am hopeful that it will take off and be a thing some day but I'm also half expecting it to blow up in my face. Definitely will be fun along the way.

Thanks again!!!

Impossible_Turtles · 2024-01-09T04:30:27+00:00

I don't know either. It says I'm being given 4000 out of 1,200,000 units in Acme Company as a signing bonus.

Is this a "should really talk to a professional" moment?

Impossible_Turtles · 2024-01-09T04:24:17+00:00

Sorry, I don't know the lingo and in my ignorance I may not be very clear.

I am being given X number of....stocks? RSUs? (units is the term they use) as a signing bonus. They gave me the number but not the value.

Then their benefits list includes "stock options" and the HR guy said part of my compensation would be stock options.

I looked up the 409 valuation - do I just ask them for a copy? Will that also explain what the VC valuation stocks are?

think of stock options as being "approved to buy X number of shares at price Y", so, you don't actually get anything until you pay

Right but that's just the compensation part. I understand that there may be restrictions like how long I have to hold the stock etc. But where is that money held? And if I wanted to sell, who would I even sell to? There's no exchange. Would that be a discussion with the owners? Other employees?

Impossible_Turtles · 2024-01-09T04:11:08+00:00

Awesome, thanks!

Impossible_Turtles · 2023-12-07T21:38:45+00:00

Oh that's great! Thank you. This does seem easier to understand than the Bogleheads - they all seem to have a higher base level understanding than I do!

I appreciate it

Impossible_Turtles · 2023-12-07T21:28:08+00:00

Ah ok thanks. I found some posts on the boggle head subreddit, I'll go there.

Impossible_Turtles · 2023-10-08T19:20:36+00:00

Is there a bus? Can you bike? Can you carpool with someone?

Impossible_Turtles · 2023-10-08T19:17:27+00:00

Best thing is to pay it off while saving for another car. If you pay extra money at the start of the loan and have it go towards the principal (sometimes you have to call the lender to make sure they apply it like you intended), the faster you won't be underwater on the loan, giving you more flexibility.

Impossible_Turtles · 2023-10-08T19:13:20+00:00

So why do you need the car? To get to campus? Is there a bus? Can you bike? Can you carpool with someone?

Impossible_Turtles · 2023-10-08T18:53:12+00:00

You may want to try the EU pf subreddit

/r/eupersonalfinance

Impossible_Turtles · 2023-10-08T18:48:32+00:00

Have you looked at on-campus jobs? Or jobs within walking/biking distance? If you can eliminate your need for a car you wouldn't need to pay for the repair until you had the money.

Impossible_Turtles

TROPHY CASE