Clever Girl Finance

FEBRUARY 6, 2023

The term personal finance ratios might be giving you flashbacks to math class. In mathematical terms, a ratio is essentially a way to compare two numbers to each other. Since personal finance is all about numbers, that can come in handy in many ways! However, their value tends to fluctuate more so it’s not a stable number).

Numbers 74

Numbers Assets Retirement Budgeting 74

Random Roger's Retirement Planning

JULY 9, 2023

Generally speaking, pensions are less viable than they used to be, the math doesn't work as well. The only pension I am remotely close to is the Arizona Public Safety Personnel Retirement System. The concept of pensions is that they provide a security net to retired workers. Is he right? Is he wrong?

Retirement 46

Retirement Math Management Taxes 46

Random Roger's Retirement Planning

FEBRUARY 29, 2024

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. That just isn't the reality.

Marketing 75

Marketing Marketing Math Portfolio 75

Random Roger's Retirement Planning

DECEMBER 1, 2023

A quick excerpt from a post a couple of weeks ago about retirement misconceptions. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. Part of the math that determines options premiums is the risk free rate of return from T-bills.

Math 58

Math Retirement Numbers Portfolio 58

Walkner Condon Financial Advisors

JUNE 2, 2023

CFP Board certificant data makes one thing clear: “the issue of the low number of women CFP® professionals is primarily a problem of attraction, and not one of retention. women tend to live longer, making it much more important to plan for a longer retirement) or a subjective one (e.g. Whether it’s an objective topic (e.g.,

Financial Planning 98

Financial Planning Planning CFP Financial Advisor 98

Random Roger's Retirement Planning

NOVEMBER 21, 2023

The way my new firm is set up, I could outsource everything, for a fee, and the way this was positioned, I think there might be a decent number of advisors who do just that. So using simple math, the total return is 34% versus 72% for the common. They talked about how outsourcing model construction can save advisors a lot of time.

Portfolio 73

Portfolio Asset Allocation Math Compliance 73

Clever Girl Finance

AUGUST 2, 2022

Let’s look at one tried-and-true way of multiplying your assets: retirement accounts. How to turn 10K into 100K through investing in retirement accounts. Although it may not sound glamorous, retirement accounts are a solid means of increasing your money. IRAs or Roth IRAs. without penalties. Similar to the 401(k) is a 403(b).

Education 59

Education Retirement Investing Investments 59

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. So I applied to Maryland State retirement.

Assets 141

Assets Management Portfolio Investing 141

Clever Girl Finance

FEBRUARY 21, 2024

The term personal finance ratios might give you flashbacks to math class, learning various formulas, equations, and ratios. In mathematical terms, a ratio is essentially a way to compare two numbers. Since finance is all about numbers, that can come in handy in many ways especially when making financial calculations!

Assets 77

Assets Numbers Math Retirement 77

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. Income annuities are a great way to provide people with the confidence they need to know that they will have a guaranteed amount of income during their retirement years.

Financial Advisor 52

Financial Advisor Retirement Planning Retirement Planning 52

The Big Picture

JANUARY 24, 2023

I mean, those were the — that’s what got people all excited and — RITHOLTZ: That’s venture capital numbers. KLINSKY: Well, that is — and it was kind of venture capital numbers because the dollars were so small. RITHOLTZ: Right. I mean, so you just have to live through all this stuff. I was the next senior.

Investing 257

Investing Investments Numbers Banking 257

Clever Girl Finance

DECEMBER 16, 2023

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. Once you know your weekly or monthly income, you can do the simple math of calculating how much 70% would be. Consider some of these ways to save.

Budgeting 72

Budgeting Retirement Accounting Taxes 72

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.

Budgeting 72

Budgeting Taxes Numbers Retirement 72

Clever Girl Finance

JANUARY 29, 2023

This is very important for retirement, and knowing what your target net worth by age should be will help you better understand how to reach your personal financial goals. Any medical debt, personal loans, or back taxes are also considered liabilities. Your retirement savings and investment portfolio should be well established by now.

Budgeting 114

Budgeting Retirement Assets Education 114

Sara Grillo

MAY 8, 2023

They go crazy and paint it with BS statements like: Tax-free guaranteed income Can’t lose money asset Upside potential with downside protection Privatized banking Be your own bank Remember that there is a floor to the crediting rate, but that doesn’t mean you can’t lose money. Here’s why that stinks.

Insurance 59

Insurance Clients Financial Advisor Accounting 59

Clever Girl Finance

FEBRUARY 10, 2023

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. You start off with your after-tax income , which represents 100% of what you have to work with, and then you work out the different spending groups from there.

Budgeting 97

Budgeting Taxes Transportation Healthcare 97

Good Financial Cents

AUGUST 10, 2023

Suddenly, you find yourself entering a world where numbers come alive, swirling and dancing to the beat of hourly wages and annual salaries. 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.

Budgeting 52

Budgeting Taxes Numbers Management 52

Clever Girl Finance

SEPTEMBER 11, 2023

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. You start off with your after-tax income, which represents 100% of what you have to work with, and then you work out the different spending groups from there.

Budgeting 81

Budgeting Taxes Transportation Healthcare 81

Random Roger's Retirement Planning

JUNE 3, 2023

One is that a politician who votes to cut benefits or raise the retirement age will probably lose some voter support. If congress does nothing, then starting in 2034 incoming payroll taxes would cover 80% of retiree payouts implying a 20% cut. Cutting benefits and raising taxes are the two most talked about way to fix it.

Retirement 54

Retirement Taxes Math Accounting 54

The Big Picture

AUGUST 8, 2022

ANAT ADMATI, PROFESSOR OF FIANCE AND ECONOMICS, STANFORD GRADUATE SCHOOL OF BUSINESS: So, my journey starts where I took a lot of math. I was good in math and I love the math. So, I was kind of, in my romantic mind when I was in my early 20s, I was going to take but not give back to math, that kind of thing.

Banking 195

Banking Government Insurance Taxes 195

The Big Picture

AUGUST 29, 2023

And it worked out and had multiple job offers coming out of school from a number of different insurance companies. I had a number of relationships that I built up and had another job lined up in New York City. Also being cognizant of the tax implications of trading activity. I thought that was a really interesting story.

Portfolio 130

Portfolio Investing Investments Numbers 130

The Big Picture

MAY 9, 2023

He co-chairs a number of the asset management investment committees. So how do you then go from tax and audit practice to finance and investing? So I interviewed with a bunch of banks, got a number of job offers by the end of the week, and joined Goldman Sachs in October 1998. What can I say about Julian Salisbury?

Assets 286

Assets Clients Investing Investments 286

Good Financial Cents

SEPTEMBER 29, 2022

However, by doing a little math, you can easily determine your hourly wage from your annual salary. Calculate the number of hours you work in a year: 40 Hours per week X 52 weeks = 2080 Hours per year. represents your gross hourly rate before taxes or other deductions. How Much Is $55000 a Year After Taxes? Biweekly Pay.

Budgeting 64

Budgeting Taxes Transportation Insurance 64

The Big Picture

JUNE 6, 2023

And they do that for 35 years tweaking numbers I go you won, you won the game. Number one, everybody has credit cards, everybody misunderstands how to use them, and there are actually some secret perks that people have no idea about. In fact, here’s the phone number you call, and you will get your $37 fee waived.

Accounting 130

Accounting Numbers Budgeting Financial Counseling 130

The Big Picture

AUGUST 15, 2023

Or at least the top, pick a number, 30, 40%. So for a taxable investor, hedge funds generally aren’t tax efficient. And when you look at the assets that are invested, the three trillion in hedge funds, I would guess that north of 90% of that are in institutions that don’t pay taxes. I don’t remember the number.

Management 130

Management Investing Investments Government 130

The Big Picture

DECEMBER 6, 2022

It has to be such a different set, the retirement planning is different, the safety net is different. People in Spain when I was growing up in the ‘80s and ‘90s, they expect to just retire and have the government give them like a paycheck every month. You have the liquidity, the tax efficiency, the transparency.

Clients 152

Clients Investing Investments Management 152

The Big Picture

SEPTEMBER 12, 2022

I wasn’t that typical person that did a number of, you know, internships during the summer, had that …. I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature. there’s a big focus on how do we optimize for tax efficiency, too.

Clients 286

Clients Wealth Management Investing Investments 286

The Big Picture

MARCH 27, 2023

So you retire in 2018. RITHOLTZ: There’s safety in numbers. RITHOLTZ: The whole concept of whisper numbers, which we still use the phrase, but it doesn’t really exist anymore. The numbers are correct. RITHOLTZ: All be fair, they’ve put up some pretty good numbers lately. MIELLE: Correct.

Assets 274

Assets Investing Investments Management 274

Good Financial Cents

AUGUST 19, 2023

That might sound like an exaggeration, but if you crunch the numbers – just as we’ll be doing a little bit – you’ll realize that a million-dollar policy might be just what you need. EXPERT TIP That brings us back to simple math – multiplying your annual income times the number of years your family’s living expenses will need to be covered.

Insurance 97

Insurance Insurance Coverage Medical Certified Financial Planner 97

The Irrelevant Investor

AUGUST 9, 2018

These numbers are so incomprehensibly large that they lack any meaning. The median retirement account balance of people ages 56 to 61 is just $25,000. Whatever else happened, retired policemen and firefighters and teachers would be paid. It's like saying that Pluto is 4.67 billion miles away from the earth. The top 0.1%

Economics 52

Economics Distribution Investing Investments 52

The Big Picture

MARCH 21, 2023

You can use this in a number of ways. And that’s a pretty good number. RITHOLTZ: So like the 40 percent number, what are the odds of this happening? Stocks usually make 10 percent a year, and don’t hold me to any of these numbers. What you’re going to earn on that money is an important number.

Valuation 161

Valuation Investing Investments Numbers 161

The Big Picture

JUNE 20, 2023

That’s a shocking number. I think there’s a number we have in the book, maybe $70 million or something in fees to take care of. RITHOLTZ: Really, that’s a big number. It’s very hard to, you know, getting numbers on this stuff, they really don’t want to help. They knew the numbers.

Insurance 141

Insurance Healthcare Retail Medicine 141

Good Financial Cents

APRIL 19, 2023

The idea of passive income is to supplement, augment or get you out of your job so you can retire, travel, or spend more time with loved ones. The term “turnkey” means the numbers have been crunched, the home may have been rehabbed, and may already include tenants! Passive Income is all about protecting your time. Side hustles.

Accounting 105

Accounting Investing Investments Media 105

The Big Picture

NOVEMBER 15, 2022

Let Mr. Market do his thing and we’ll find out how we did when we get ready to retire. Hey, show me companies where the board has at least two women on it, or you could tilt towards value, or you could tilt towards small cap, or you can use it for tax loss harvesting or philanthropy. It’s still a fairly small number.

Management 268

Management Assets Portfolio Investing 268

The Big Picture

AUGUST 23, 2022

And I was kind of intrigued and so I said, can we discuss it, and he laid it out on a conference table and I said, what’s this number? And then I said, what’s this number down here, and he said, this is last year’s earnings. And that number was $160 million. So, I did the math, 20 million times a hundred.

Government 312

Government Banking Numbers Investing 312

The Big Picture

AUGUST 22, 2023

SUNSTEIN: Well, when you say directly, that’s true, except the number of meetings I had with President Reagan was zero. The number of mediated interactions I had with President Reagan was about five, and the amount of work that I did for the president was basically every day. SUNSTEIN: Yes. RITHOLTZ: And his staff.

Economics 245

Economics Media Government Numbers 245