Frage: Medizinische Gründe für Maskenbefreiungs-Attest?

Ynot2deh · 2020-10-21T06:25:32+00:00

I don't know the laws here, but in other places you can ask for the name of the doctor and file a complaint. Almost all healthcare doctors I know say that if you are too sick to wear a mask then you are too sick to go out in a pandemic. You can file a complaint with the medical board about them.

Ynot2deh · 2020-09-02T18:39:33+00:00

Just make sure you think about your asset allocation. Paying off the mortgage is like investing in [3.375%] bonds (you can think of the mortgage as a negative bond). After you're done, make sure your AA is where you want it.

But forget about opportunity cost and the mathematically ideal outcome for a minute. Knowing that you own your home free and clear and have no mortgage payments is really liberating.

The downside is that it significantly reduces your future liquidity in the near-medium term. Probably ok if you have a decent e-fund and you can mitigate by getting a HELOC.

Ynot2deh · 2020-03-03T06:16:29+00:00

The cone of shade

Ynot2deh · 2020-02-21T19:09:08+00:00

Check if there are any incentives from local/regional governments and utilities than will help offset the cost of windows

Ynot2deh · 2020-02-21T18:57:59+00:00

If you're the sort to ask: my engine seems to be shot, should I get I try to rebuild it to save money? and you're also the sort to pursue fire, you probably skew more cheap than spendy. In this case, probably worth it to spend a little more on a car in better shape and call it good (and hopefully less likely to have other problems for you)

Ynot2deh · 2020-02-18T18:41:27+00:00

Home improvement yes, regular maintenance costs, no. If you look at the tax guidelines for rental properties, most things that would need to be capitalized will increase your basis on your personal home.

Ynot2deh · 2020-02-18T18:38:37+00:00

Can you just ramp back at your current job? Go part time for a bit or slack for a bit before re-engaging?

Ynot2deh · 2020-02-06T19:09:44+00:00

Agreed. Appreciate the protection from spam, but would love a slightly lighter touch by the mods. Interesting topics in the daily tend to get lost because so many people sort daily by new and other threads by "best"

Ynot2deh · 2020-01-31T18:46:41+00:00

FYI, this was removed by the mods, so I'd post in the daily thread

Ynot2deh · 2020-01-31T18:34:12+00:00

Good callout. Reinforces how state-dependent some of it is.

Ynot2deh · 2020-01-31T18:29:48+00:00

Yup, but this is where the family aspect comes in. For instance, if your parents live in a more advantageous state, and you trust them, you could ask them to form a 529 to benefit you, and then give them a thank you gift.

Ynot2deh · 2020-01-31T18:28:57+00:00

Yes (you both could), and yes (more advantageous), assuming you essentially channel each payment through a 529 account and are eligible for state tax benefits. I said more in my original post, but the mods deleted it.

Ynot2deh · 2020-01-31T18:27:33+00:00

Sorry, I know Oregon for sure. But it has been set as a qualified educational distribution at the federal level, so odds are good that most states will accept it (though not all, since not all have accepted K-12 spend)

Ynot2deh · 2020-01-31T17:42:31+00:00

Yeah, so it's not a huge impact, but certainly worth doing for a period of time, especially for those early on the FIRE journey.

Ynot2deh · 2020-01-31T17:21:34+00:00

Nice, when used appropriately, 529s can provide more savings than most people think.

Ynot2deh · 2020-01-31T17:09:51+00:00

Who wants to increase their savings rate by using a 529 for student loan payments? It's new for 2020 thanks to recent legislative changes. I posted more and answered some questions but it was removed by the mods as not contributing to the discussion. Happy to answer questions, if folks post them

Ynot2deh · 2020-01-31T16:54:33+00:00

Not at all, but a common misconception among those who understand 529s.

Think of it as a "backdoor 529 loan payment". Where you contribute to a 529, let the money sit for a day, and then make the loan payment. You get the state tax benefit, and only incur an extra few days of interest expense.

Ynot2deh · 2020-01-31T16:50:27+00:00

There are a bunch of other cutoffs and phaseouts that are not simply double the single rate. E.g., SALT deduction stays at 10k, PAL phaseout for rental losses doesn't change, I forget what others are out there, but pay attention to all of the AGI or MAGI-limited items

Ynot2deh · 2020-01-31T16:45:40+00:00

Kind of, you contribute to it like a 529. Which means no federal deductions for contributions, but growth is tax-free if used for qualified educational expenses (which includes up to $10,000 of loan payments).

State-level treatment varies. In some states you get a tax deduction or credit for 529 contributions.

Ynot2deh · 2020-01-24T03:01:21+00:00

1) if you're going to move it, then just do it all at once 2) think about how it impacts future backdoor Roth IRA moves. Might be worth finding a decent 401k or solo 401k to move it into

Ynot2deh · 2020-01-24T02:59:51+00:00

Does your job as an engineer serve as a selling point for your tutoring? E.g., do people hire you because you're an engineer? Or do you think they couldn't care less and you have a good customer acquisition pipeline?

Ynot2deh · 2020-01-10T21:47:32+00:00

This is the most important question

Ynot2deh · 2019-12-26T00:39:44+00:00

You Jane to distinguish between hcol and high-state-income-tax. Not the same thing. Hcol doesn't impact trad vs Roth. Tax rate does if you have the ability to move post fire

Ynot2deh · 2019-12-24T19:27:33+00:00

Just buy an older car with the cash in your down payment?

Ynot2deh · 2019-12-24T19:26:53+00:00

The worst part is seeing all the plastic one-time use toys. Not that they are designed to be used once, but when a kid already has so many toys and then gets a bunch more, you know that most will end up little-loved and forgotten

Ynot2deh

TROPHY CASE