User Profile

[cypher1]

I cleaned up old work Favorite links in browser that no longer existed, or just didn't need. Ended up organizing by work benefits, tools/references,...

[cypher1]

I'd argue the opposite for 2020 and college students taking time off. If those students are not taking classes or not working during a pandemic, what...

[cypher1]

Glad to hear from ya, TH! Hope you're doing well....

[cypher1]

I'm down to three CCs, but mainly use two for rewards. The third I set up to pay for monthly subscriptions to WSJ and Spotify at least it has some activity...

[cypher1]

Nice! I'm still sitting on 200 shares around 12.13 basis in Taxables. Just letting it ride for awhile.

[cypher1]

My default is Taxact online which I've used for years now. I paid 34.99+ for Premier since I had capital losses to report, + 44.99 for state. If you...

[cypher1]

Is that a shed or a studio? How big is it? Looks great!...

[cypher1]

I hardly buy new clothes, so whatever I replace I'm willing to spend a little more on quality depending the item. I recently picked up some thinner wool...

[cypher1]

Just filed with Taxact after quadruple checking my work. Getting back almost 3300 from Fed and owe 265 to State. I won't expect that large of refund...

[cypher1]

I don't max my 401K either, but still max Roth. In order to do so I'd have to contribute 22% of my gross, which recently I bumped contribution from...

[cypher1]

Currently only a mortgage. But at 19 I had a small student loan (3K) from dropping out of school. A couple personal loans (under 3K) for car purchase...

[cypher1]

I've always used Excel, which I keep one main file for various bank accounts (though I don't include investments accounts).

As for tracking...

[cypher1]

I was only one year into my first house (no other debts), and just wanted to be better with managing money and stumbled upon this forum and Bogleheads....

[cypher1]

Simple reaction or opinion: by living way above their means. Or by applying instant gratification versus saving and paying for an item in full. Or maybe...

[cypher1]

I haven't filed yet, but just entered most of my info (waiting on Vanguard statement for loss). I'll owe 400 to state (typical), and expected to owe...

[cypher1]

I'm being generous when I say my ideal would be 7-8%, but conservatively more like 5-6%. Also I'm at 90/10 for portfolio. If someone is set for 70/30...

[cypher1]

Note to self: When I decide to put my house up for sale, first offer to sell to LAL for $199k more than the asking price.

But in all seriousness,...

[cypher1]

I agree, it doesn't have to be only one or the other. I do believe peace of mind for no debt is underrated. On top of the fact of retirement is less...

[cypher1]

Focusing on AS degree in Accounting, with current semester classes are Managerial Accounting, Statistics for Business and Economics. Last two semesters...

[cypher1]

Not gonna lie, if I could still use my BB pearl with compact qwerty keyboard, I would. I got so used to that configuration that i would text messages...