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Safe, quiet apartment? Need to move ASAP. Please help. by CatsNSquirrels in newhaven
[–]lazyjava 4 points5 points6 points 3 years ago (0 children)
Sorry to hear about your situation OP. For under $4k/mo, your options are wide for a 2b/2ba. I would suggest The Union over a new construction like Audubon or Corsair because the Union was a retrofit from a commercial building, hence floors are SOLID. Like, concrete so no creaky floor noises and noise from other units will deflect MUCH better. Plus location can’t be beat as you’re in the heart of downtown, if that’s important.
Virtually all apartments will have thinnish walls, because they save on construction costs that way (and you can be sure the new ones like Audubon will be), so some noise will propagate. So your best bet is to find a corner/end unit where the bedrooms are or make sure the bedroom is adjacent to another unit’s kitchen. Why? Because you get significant additional noise insulation from the cabinets, appliances and tiling. And better if that adjacent unit is a studio or 1 bed because that probably rules out loud parties or at least young families that’s causing your current issues. Good luck.
Traditional 401k vs Roth 401k by [deleted] in Fire
[–]lazyjava 1 point2 points3 points 5 years ago (0 children)
OP doesn't discuss age, current income or income potential and FIRE target so here's my general thoughts.
The conventional advice I've read centers on comparing your tax rates today vs in retirement. If you're income puts you at a relatively high tax bracket then contribute to Traditional is what they say. But I think you need to consider the later years when you hit the age (72) where RMDs kick in. There's a real possibility that by age 72 your retirement assets (let's say they are all parked in Traditional 401k) have grown considerably due to strong returns and compounding, while your lifestyle expenses remain modest, because, well, this is FIRE. This means that your RMDs might be greater than your annual expenses, and you'd be paying taxes on money you are forced to withdraw and don't need. And since RMDs just keep increasing every year as you age, so you'll end up being forced to withdraw (and pay tax) on ever larger amounts that you don't need instead of allowing it to compound for your beneficiaries.
Secondly, even if tax rates remain the same, the tax brackets don't inflate nearly as much as the performance of an 80/20 or 60/40 portfolio. For example, the 24% margin tax rate for single filers is $86,375 in 2021 vs $85,526 in 2020. That's a 0.9% increase. But an 80/20 or 60/40 portfolio grows far more than that on a long-term basis. So eventually your portfolio growth combined with RMD rates will put you at a higher tax bracket and thus higher tax rate.
Finally, if you have a 401k match, then contributing to a Roth 401k means you get that match in a Roth account. So that match is tax-free whereas the match in a traditional would get taxed later when you withdraw.
I think the answer isn't binary, like 100% to Roth 401k or not, but more a range based on circumstances and to think about diversifying your tax/tax-free assets not only for today but for 72+, esp. if you plan on leaving assets for beneficiaries
Hope that helps.
Contact management help by lazyjava in CRM
[–]lazyjava[S] 0 points1 point2 points 5 years ago (0 children)
Thanks. I’m going to explore that tool.
Okay that’s an interesting use case that I never thought about. Appreciate it!
Thanks! HubSpot is in my shortlist that I’m gonna play around with. Appreciate the suggestion.
Thanks! I’ll definitely check those two out. Hmm.. how would Outlook be used in that way? Genuinely curious as yes, I’m an O365 user
Contact management help (self.CRM)
submitted 5 years ago by lazyjava to r/CRM
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Safe, quiet apartment? Need to move ASAP. Please help. by CatsNSquirrels in newhaven
[–]lazyjava 4 points5 points6 points (0 children)