Random Roger's Retirement Planning

DECEMBER 3, 2024

There was an article on LinkedIn (via Abnormal Returns) by Victor Haghani that dug into the math working against leveraged ETFs. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

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Harness Wealth

MAY 13, 2025

Filing taxes in Idaho requires a clear understanding of the specific forms and regulations that apply to residents and non-residents alike. Navigating the tax landscape can be complex, but having a comprehensive guide to Idaho tax forms can simplify the process significantly. Obtaining Idaho tax forms is straightforward.

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Taxes Electronics Compliance Commission 52

Harness Wealth

MAY 18, 2025

Filing taxes in Utah requires a clear understanding of the specific forms and regulations that apply to residents and non-residents alike. Navigating the tax landscape can be complex, but having a comprehensive guide to Utah tax forms simplifies the process significantly. Obtaining Utah tax forms is straightforward.

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Harness Wealth

MAY 19, 2025

Filing taxes in Louisiana requires a clear understanding of the specific forms and regulations that apply within the state. Unlike federal tax forms, Louisiana tax forms are tailored to meet the unique tax laws and requirements set forth by the state government.

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Taxes Electronics Compliance Consulting 52

Harness Wealth

MAY 17, 2025

Filing taxes in Delaware requires a clear understanding of the specific forms and regulations that apply to residents and non-residents alike. Navigating the tax landscape can be complex, but having a comprehensive guide to Delaware tax forms can simplify the process significantly.

Taxes 52

Taxes Tax Planning Electronics Compliance 52

Harness Wealth

MAY 19, 2025

Filing taxes in Minnesota requires a clear understanding of the specific forms and regulations that apply to residents and non-residents alike. Navigating the tax landscape can be complex, but having a comprehensive guide to Minnesota tax forms can simplify the process and help ensure compliance with state tax laws.

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Taxes Tax Planning Compliance Education 52

WiserAdvisor

JUNE 27, 2025

The goal of this article isn’t to scare you. And a tax-efficient withdrawal strategy that won’t sabotage your nest egg early. Outliving your savings Here’s the math: the earlier you retire, the longer your savings have to last. Control your tax bracket early in retirement. Letting those Roth accounts grow tax-free.

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Harness Wealth

MAY 18, 2025

Filing taxes in Ohio requires a clear understanding of the specific tax forms mandated by the state. Unlike federal tax forms, Ohio tax forms are tailored to meet the unique tax regulations and requirements set forth by the Ohio Department of Taxation. Why Ohio Has State-Specific Tax Forms Each state in the U.S.

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Taxes Compliance Electronics Tax Planning 52

Harness Wealth

MAY 18, 2025

Filing taxes in Illinois requires a clear understanding of the specific forms and procedures mandated by the state. Unlike federal tax filings, Illinois has its own set of tax forms designed to capture state-specific income, deductions, and credits. Obtaining Illinois tax forms is straightforward.

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Taxes Electronics Tax Planning Compliance 52

Harness Wealth

MAY 14, 2025

Filing taxes in Hawaii requires a clear understanding of the specific forms and procedures unique to the state. Unlike federal tax forms, Hawaii tax forms are tailored to meet the state’s tax laws and regulations, ensuring residents and non-residents alike comply with local requirements.

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Random Roger's Retirement Planning

JANUARY 6, 2025

The Wall Street Journal had an article about the fear common to retirees about outliving their money. If that money is in an IRA, that is going to change your math considerably due to having to withdraw all of that inherited IRA within 10 years. We've looked at this quite a few times. What's the risk to Social Security income?

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Darrow Wealth Management

OCTOBER 1, 2022

However, if the goal is to pay off a mortgage before retirement to spend would-be mortgage payments on other things during retirement, the math may not work out. After-tax cost of borrowing and hurdle rates. Without itemizing, most charitable gifts carry no tax benefit for example. The after-tax return on a 5% investment is 3.8%

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Random Roger's Retirement Planning

APRIL 22, 2024

Jason Zweig wrote an article titled How Not to Invest in the Bond Market. The article devoted a good amount of space to bond market math, focusing on the pain of owning the iShares 20+ Year Treasury ETF (TLT) and bond funds in general. The title of course piqued my interest. This quote from Jason surprised me.

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Darrow Wealth Management

SEPTEMBER 7, 2023

Pros and cons of exercising stock options in a pre-IPO window If you are new to the tax implications and basics about exercising stock options, please read this article first. Unfortunately, for those tax savings to materialize, the post-IPO stock price at sale must be considerably more than the pre-IPO valuation at exercise.

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Random Roger's Retirement Planning

FEBRUARY 29, 2024

I am less interested int he fund than this excerpt from the beginning of the article. The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

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Random Roger's Retirement Planning

NOVEMBER 22, 2024

As I read the FT article, I had a thought about how to try to make the fund work as part of diversified portfolio, not the entire portfolio. The way Portfolios 1 and 2 are weighted, the math works for being a 60/40 portfolio and then from there we add portable alpha/capital efficiency/return stacking.

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Clever Girl Finance

SEPTEMBER 11, 2023

Articles related to the 50-30-20 budget Leverage the 50-30-20 budget today! And don’t worry if math isn’t your thing because we’ve included 50 30 20 budget spreadsheet ideas to help you stay on top of your budgeting strategies. Know what your income is To get started, you need to figure out your after-tax income.

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Random Roger's Retirement Planning

JUNE 30, 2024

The latest retirement disaster article from Yahoo focuses on 55 year olds who have a "median savings of less than $50,000." We've gone over the math before that starting as late as 55 can catch a lot of the way up if they can afford to save a very high percentage of their income. Anyone else skeptical about that $50,000 figure?

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Mr. Money Mustache

FEBRUARY 25, 2025

Its just basic math. I decided to try this for precisely the reasoning above: by allocating money across more categories than just US stocks and automatically rebalancing, we should be able to see slightly higher returns with slightly lower volatility, and some tax advantages as well. What if the Earnings are Rising?

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Good Financial Cents

JULY 3, 2023

Calculation Breakdown Let’s break down the math to find out how much you could earn annually with a $30 hourly wage: Consider an average workweek of 40 hours and an average year consisting of 52 weeks. Keep in mind that this calculation represents the gross annual salary, not accounting for taxes, insurance, 401K, or deductions.

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Budgeting Taxes Numbers Retirement 73

Clever Girl Finance

AUGUST 14, 2022

In this article, we will discuss everything you need to know about sinking funds - the why, the what, and the how. Self-employment tax. Another sinking fund example would be a fund you set up for your taxes. If you run your own profitable business, you can expect to owe money to the IRS in the form of self-employment tax.

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Budgeting Accounting Medical Math 105

Darrow Wealth Management

MAY 22, 2023

Again just using simple math, this presumes the par value will roll over each month and reinvest at the same rate to get to the annual yield. Article written by Darrow Wealth Management President Kristin McKenna, CFP® and originally appeared on Forbes. Compare that to the stated yield of 5.6% on a 1-month T-bill, which is roughly.467%

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Investments Investing Accounting Wealth Management 105

Clever Girl Finance

DECEMBER 16, 2023

Articles related to budgeting methods Give the 70-20-10 budget a try! Figure out how much money you make in after-tax income. More accurately, 70% of your take-home pay, or net income after taxes, not pre-tax income. 401(k)s offer the opportunity to save for retirement before taxes.

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Budgeting Retirement Accounting Taxes 98

Clever Girl Finance

JULY 13, 2024

More articles related to budgeting Save more money with the 60/30/10 budget! The math may not work for your income right away Unless you have a very large income, this budget could be challenging without some major lifestyle and financial changes. It includes the money you earn after you account for taxes.

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Budgeting Transportation Retirement Food 98

Trade Brains

DECEMBER 7, 2023

In this article, we guide you through the list of top personal finance courses designed for beginner to intermediate-level learners. The course covers an introduction to personal finance, credit cards, life insurance, health insurance, investment instruments, loans, income tax and planning, budgeting and building a strong portfolio.

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Clever Girl Finance

OCTOBER 17, 2023

What about after taxes and benefits? How much an hour is 45000 a year after taxes? Articles related to $45k a year is how much an hour Build your career plan to earn $45k a year and beyond! Some fall under different tax situations that can affect your take-home amounts. Luckily, in this article, we’ll be looking at both!

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Taxes Numbers Math Budgeting 52

Investing Caffeine

FEBRUARY 1, 2022

Math Matters. I did okay in school and was educated on many different topics, including the basic principle that math matters. This article is an excerpt from a previously released Sidoxia Capital Management complimentary newsletter (February 1, 2022). Source: Calafia Beach Pundit. www.Sidoxia.com. Slome, CFA, CFP®.

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Math Assets Investing Investments 52

Random Roger's Retirement Planning

DECEMBER 1, 2023

A commenter on a Yahoo article in italics and my reply if he'd have asked me in regular font. Part of the math that determines options premiums is the risk free rate of return from T-bills. I am manually reinvesting the dividends, I started doing that before reading the article last week by Rida.

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Math Retirement Numbers Portfolio 74

Random Roger's Retirement Planning

SEPTEMBER 6, 2024

Barron's dusted off the retirement bucket playbook in an article while also arguing that a 5% withdrawal rate in retirement can now be considered safe versus the more common 4%. The way the math works out, 4% has a success rate in the low 90's based on simulations and has never failed looking backward. Always read the comments.

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Clever Girl Finance

SEPTEMBER 25, 2023

After all, taxes and expenses can eat into your income before you even have a chance to make a budget! Calculating $15 an hour per year after tax Expert tip: You can stretch your income by investing! Articles related to $15 an hour is how much a year Make your $15 an hour paycheck work for your lifestyle!

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Budgeting Taxes Accounting Transportation 52

Brown Advisory

MAY 3, 2018

As we discuss in this article, this approach has directly contributed to our outperformance during the most recent period of rising interest rates dating from the end of 2015. MUNICIPALS AND RISING RATES Simple math dictates that when yields rise, fixed-rate bond prices fall. investment-grade tax-exempt bond market.

Taxes 52

Taxes Portfolio Valuation Clients 52

Brown Advisory

MAY 3, 2018

As we discuss in this article, this approach has directly contributed to our outperformance during the most recent period of rising interest rates dating from the end of 2015. Simple math dictates that when yields rise, fixed-rate bond prices fall. investment-grade tax-exempt bond market. MUNICIPALS AND RISING RATES.

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Taxes Portfolio Valuation Clients 52

Clever Girl Finance

JANUARY 29, 2023

If you are curious about how much savings you should have by what age , you'll find references to this throughout the article. Any medical debt, personal loans, or back taxes are also considered liabilities. Best net worth calculator by age Why not make the math simpler when finding net worth? Your liabilities are your debts.

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Budgeting Retirement Assets Education 119

Random Roger's Retirement Planning

DECEMBER 15, 2024

Bloomberg had an article titled As Gen-X Nears Retirement, Many Fear They Can't Afford It-Now or Ever. The article profiled a half dozen Gen-Xers ranging from 45-60. The article tried to scare readers about Social Security getting cut but gave no detail or context. That is Rooster. Rooster loves duck toys.

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Retirement Retirement Planning Numbers Planning 52

Midstream Marketing

SEPTEMBER 24, 2019

They spend hours writing articles and finally hit that “Submit” button… only to not get anywhere near the number of leads that they thought they would. Other times, it’s because those articles were created without a real SEO strategy behind them. If, of course, they were even able to generate leads at all.

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Good Financial Cents

AUGUST 10, 2023

In this article, we will unravel the mystery behind the figure of $35. Paid Time Off for Hourly Employees Earning $35 per Hour How Much Is $35 An Hour After Taxes? It doesn’t include deductions like taxes, insurance, 401K contributions, etc. This is the gross amount before any taxes and deductions are applied.

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Budgeting Taxes Numbers Management 52

The Big Picture

SEPTEMBER 19, 2023

One, one is true and I’ve always said is that I wanted people to stop, ask if I could doing math. And no one asked me if I can do math anymore with a degree from Booth, particularly in econometrics and statistics. So people really ask you, you take French and can you do math. Two reasons. There was a good equity rebound.

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