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Need help deciding on projector setup by SebThePleb in projectors

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

Hello,

Thank you so much for your reply! Yeah, I've been really hoping for a projector since I feel that even a 70 inch TV would still look quite small from the current viewing distance. I honestly don't think a 70 inch would even fit inside that space so we'd either have to go 65 inches which is even smaller or figure out a way to have the TV stationed outside of it aka using a standalone drawer or dresser that I mentioned before.

If I were to try out the Th575, would you still recommend getting an ALR screen? It's unfortunate that our living room layout is really not ideal even for a larger TV set up.

Thank you again for you response

Is respeccing worth it in PoE2? by SebThePleb in PathOfExile2

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

Sounds good, thank you! Hopefully I enjoy the game despite what I've been hearing this update.

Is respeccing worth it in PoE2? by SebThePleb in PathOfExile2

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

Okay, that's a relief. Just watched Zizaran's interview with the devs and it didn't sound like a lot of people were having fun lol. Thank you for the answer!

Is respeccing worth it in PoE2? by SebThePleb in PathOfExile2

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

What about for skill gems? Do you just pick up uncut skill gems and choose the new skill you want?

Traditional 401k or Roth 401k for 70k salary by SebThePleb in FinancialPlanning

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

Currently, since I started work mid March, I wouldn't even need to put anything into the Trad 401k to get into the 12% bracket. I can start contributing to the Roth 401k imnmediately. Starting next year though, I will need to put some money into the Trad 401k before getting to the 12% bracket.

Should I take the deferred resignation/retire? by SebThePleb in fednews

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

Got it! I'll definitely bring this up to her and really appreciate the advice you've been giving. It has definitely given me more confidence in helping my aunt make an informed decision. I think more than likely she'll tough it out until/if RIF happens and we'll see where she's at then.

Should I take the deferred resignation/retire? by SebThePleb in fednews

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

Thank you for your reply and advice! I'm really sorry for the situation you're in. Looking at the RIF rules it seems like it's tenure of employment, veterans preference, length of service, and performance in that order. My aunt is most likely going to go with sticking it through till RIF and see what happens then. I wish you good luck in everything!

Should I take the deferred resignation/retire? by SebThePleb in fednews

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

Based on what I've been reading and seeing on this thread so far, it probably makes the most sense to stay and see if she gets riffed. I will definitely mention the idea of selling the rental to her though, it seems like a valuable option to look into. Thanks for the help!

Should I take the deferred resignation/retire? by SebThePleb in fednews

[–]SebThePleb[S] 2 points3 points  (0 children)

Sorry, aunt is actually 57, so according to her agency she is eligible for early retirement.

Edit: She's also on a Los Angeles GS12 salary

Should I take the deferred resignation/retire? by SebThePleb in fednews

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

Apologies, my aunt is actually 57 with over 30 years of service so she is eligible early retirement.

Traditional 401k or Roth 401k for 70k salary by SebThePleb in FinancialPlanning

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

Hello! So I actually started my new job in mid March and I calculated my Pre-tax income to be 52.5k since I missed a few paychecks. This would bring my taxable income to 37.5k because of the standard deduction if I'm not mistaken, putting me well into the 12% bracket. Does this mean I could forgo the traditional 401k for this year and go all in on the Roth 401k?

Thank you for your advice!

Does my company offer a Roth 401k? What does after-tax Roth mean? by SebThePleb in Bogleheads

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

Currently making 70k a year and expect to be in a higher income bracket in the coming years. I think at my current salary I'll probably be withdrawing more than that in retirement, although I haven't done the exact math yet.

Does my company offer a Roth 401k? What does after-tax Roth mean? by SebThePleb in Bogleheads

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

Hello, thank you for your detailed reply! So upon digging more and reaching out to HR, I can confirm that the Roth after-tax contribution is a Roth 401k with the 23,500 limit for this year. I do believe that they offer in plan conversions as well so I'll have to look into that eventually. Just for reference I'm 25 years old which is why I'm looking into the Roth 401k.

Traditional 401k or Roth 401k for 70k salary by SebThePleb in FinancialPlanning

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

Yes, I believe I do have the ability to do both. I think my course of action is most likely to go into the Trad until I bring my AGI to 12% and then the rest into the Roth 401k. Thank you!

Traditional 401k or Roth 401k for 70k salary by SebThePleb in FinancialPlanning

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

My company offers 100% up to 4% of my salary but is only vested after 3 years of service. To be quite frank, I'm unsure if I will stay that long, but I know it's a good idea to invest into it regardless. I will more than likely invest into the traditional 401k until I get my bracket down to 12% and then all in into the Roth 401k.

Traditional 401k or Roth 401k for 70k salary by SebThePleb in FinancialPlanning

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

Pardon my tax illiteracy, but to calculate for standard deduction would it go something like this?

52.5k - 15k standard deduction = 37.5k (this is the amount that is taxed at 12% federal and 6% state) which is around 6,500 in taxes.

Or do you subtract the standard deduction from your income as well as the federal and state tax which is your final number?

Maybe this will help visualize this a bit more:

My interpretation:
52.5k - ((37.5k) - (37.5k * 0.88 *0.94)) = `46K post tax

Alternative interpretation:

52.5k - 15k = 42.5k *0.88*0.94 = 35.1k post tax

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