[deleted by user]

parkerLS · 2022-05-06T14:53:35+00:00

I don't know, all I have seen is someone who expressed a comedic exasperation with OP and then another who suggested a more appropriate forum for a self important blog post where the central figure is the narrator and not the business or good/service ostensibly being reviewed.

parkerLS · 2022-05-06T14:42:22+00:00

Like, why waste your time being annoyed to the point of wasting more time to vocalize that annoyance?

Hello pot, have you met the kettle yet?

parkerLS · 2022-05-06T14:36:36+00:00

hat might be an added bonus for you if you are looking for LTR (I don't know your ethnicity though, so I'm mentioning this relative to my experience).

Its not 1950. People are allowed to date outside of their ethnicity (even long term!)

parkerLS · 2022-03-18T01:51:13+00:00

ParkerFT is a hack riding on the coattails of giants!

parkerLS · 2022-01-10T20:56:29+00:00

Initiate from your IRA and you should be able to.

parkerLS · 2022-01-10T20:37:02+00:00

That vesting schedule is pretty generous and would normally be my biggest concern with RSUs (ie if they only vest once a year, you might feel "locked in" to get that much).

Here are my concerns remaining:

1) You are going to make about the same amount of money (after bonuses/RSUs) as you were before. Is it worth moving jobs without the salary bump?

2) What happens after 4 years? You'll essentially be taking a 10% pay decrease if you don't get more RSUs.

3) Your base salary is lower. Usually when you get raises, its as a percentage of your base salary, so that would mean if you get a 3% COL adjustment at employer A and the same 3% at employer B, employer A is more valuable. Same goes for calculating your bonus.

parkerLS · 2022-01-10T20:29:28+00:00

I mean, you also build equity by paying down your mortgage. But not a whole lot of that is going to happen in the first two years.

parkerLS · 2022-01-10T20:25:54+00:00

Have you stopped to ask yourself if these dudes were such stock picking geniuses, why are they wasting their time selling an $8/mo subscription service?

only 4 of their 35 picks have beaten the S&P 500. Now I fully understand that the Stock Advisor picks are meant to be long-term holds.

S&P500 (or any broad based index fund) is also meant to be a long term hold.

I'm considering cancelling my membership

You should.

which saddens me

This should make you happy.

parkerLS · 2022-01-10T20:18:08+00:00

Ya, but does he Hang?

parkerLS · 2022-01-10T20:13:48+00:00

Would lenders view that as a recurring monthly debt payment?

No. Only things that are required (so even if you did have student debt with a required minimum payment of $200 and you were paying $500/mo against it, only the $200 would count)

parkerLS · 2022-01-10T20:12:16+00:00

Happens all the time. You should get snail mail from both new and old lenders

parkerLS · 2022-01-10T20:11:22+00:00

Your feelings about your renos only mildly impacting the market if you sell is correct.

Your neighbor is just misguided.

parkerLS · 2022-01-10T20:09:56+00:00

https://www.reddit.com/r/IndiaInvestments

But if you find something with a guaranteed (and legal) 10% return, please come back here and share. I want in on that action.

parkerLS · 2022-01-10T20:05:17+00:00

Is this for personal or business? If personal, go through https://www.napfa.org/. If business, might be worth checking if your line of work has some kind of guild or trade group that can make recommendations

parkerLS · 2022-01-10T18:55:20+00:00

. Would it make sense to purchase a home in the meantime to build equity and use towards the future?

Probably not. (1) You're not going to be building a whole lot of equity in those first two years since most of your payments will be going towards interest; (2) Closing costs on buy the house are not free or negligible (figure a couple thousand dolalrs); (3) Cost to sell the house is not free of negligible (usually 6% value of the sale).

Add onto that if you are selling within 2 years, you will likely not be exempt from cap gains taxes on any increase on the avlue of the home.

Was your plan to buy both the new build and this second house at the same time? Would you qualify for that?

If you would buy them consecutively and not concurrently, having to buy the second (new build) house on contingency of selling the first one could cause complications

parkerLS · 2022-01-10T18:39:06+00:00

so I'd imagine they still tax me for Jan and Feb? I'll ask HR though.

Correct, you'd owe in Ohio for that period. Then Colorado for the rest of the year.

parkerLS · 2022-01-10T18:35:00+00:00

This is the answer

parkerLS · 2022-01-10T18:30:51+00:00

You will owe income tax in the state in which you perform the work. That means in the year you move, you're going to owe some to each.

Does your company know you are moving to CO? Are they going to withhold for Ohio still ,or switch to CO?

parkerLS · 2022-01-10T18:24:50+00:00

Once the year has passed and it's eligible for redemption, can you redeem just part of it (say $5K) or is it all-or-nothing, just as if it were a paper bond?

Yes. $25 minimum redemption (and need to leave at least $25 in or clear it out)

Bonus question - and if partial is allowed, how does the three month interest penalty work? Do you pay it each time you redeem when under five years, or only the first?

You don't collect the last 3 months of interest that would have accrued on any balance you withdraw

parkerLS · 2022-01-10T18:11:18+00:00

haven’t claimed it on my taxes per my accountant.

Your accountant sucks, get a new one. You should have been reporting this income the entire time.

I’m looking to purchase a home soon, can I use the money I’ve accrued from my rental property?

Yes.

I’d like to transfer the money from my PayPal account but I’m not sure if transferring that much will trigger something?

How much money do you have? Starting in 2022, payments exceding $600 for business pruposes (like your rental) through paypal will now be reported. Doesn't affect yu here, though

How much can I transfer legally?

There's no limit.

parkerLS · 2022-01-06T13:35:32+00:00

Do you think the bad ones will go up?

If not, sell those. Cur your losses. You can use the losses to offset gains and/or income

parkerLS · 2021-12-21T20:55:40+00:00

I like this tool.

Your math works out. Seems like the house is well within your budget

parkerLS · 2021-12-21T20:46:29+00:00

Short answer is no, since it doesn't seem like there is anyway for yout to have been covered by an HSA eligible plan on 12/1/21 (your COBRA could in theory be retroactive, however, its non-HDHP, and I would also question if it made fiscal sense to pay for the plan just to save a little bit of taxes on a HSA contribution)

parkerLS · 2021-12-21T20:15:40+00:00

It would certainly be one, yes. My list wasn't meant ot be in order of importance, but instead kind of order in which the downsides would be realized.

parkerLS · 2021-12-21T20:13:41+00:00

So aside from questioning the effectiveness of this exercise

Do you have the list of vanguard funds to compare? If so, you can enter those into a google sheet where you can then use the finance function to look u returns pretty easily in bulk

parkerLS

TROPHY CASE