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($30,000 x 33.33).
THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
'SELL BY', 'USE BY', & 'BEST BEFORE' DATES GUIDELINES Use By Date, or “Shelf Life”. A ‘use by date’ is the product manufacturers recommended date to use the product in order to still get peak quality. After that date, the product quality could decline, and if proper storage measures aren’t used, your health could be CAN YOU SHOP AT COSTCO WITHOUT A MEMBERSHIP? YES! HERE ISIS THERE A FREE COSTCO MEMBERSHIP?UNFORTUNATELY, THERE IS NO FREE COSTCO MEMBERSHIP, DAY PASS, GUEST PASS, OR TRIAL PERIOD WHERE YOU CAN WALK UP TO THE DOOR AND GET SOME KIND OF MAG...BUYING ALCOHOL AT COSTCO WITHOUT MEMBERSHIPI WAS NOT ABLE TO FIND ANY OFFICIAL COSTCO MESSAGING ON THIS, BUT IT APPEARS FROM MY RESEARCH THAT COSTCO ALLOWS ALCOHOL SALES TO NON-MEMBERS (OF L...BUYING PRESCRIPTIONS AT COSTCO WITHOUT MEMBERSHIPPRESCRIPTION DRUG SALES, LIKE ALCOHOL, ARE HIGHLY REGULATED. AND COSTCO AND OTHER MEMBERSHIP STORES MUST OFFER EQUAL ACCESS AND PRICING FOR PRESCRI...GET FOOD FROM THE COSTCO FOOD COURT WITHOUT A MEMBERSHIPI’VE SEEN MANY SITES THAT GIVE THE TIP THAT YOU CAN GET FOOD FROM THE COSTCO FOOD COURT RESTAURANT WITHOUT A MEMBERSHIP, BUT ONLY IF IT IS AN OUTDO...USING COSTCO OPTICAL SERVICES WITHOUT A MEMBERSHIPYOU CAN GET AN EYE EXAM AT COSTCO OPTICAL. HOWEVER, TO BUY GLASSES AND/OR CONTACTS, YOU DO NEED A COSTCO MEMBERSHIP.NON-MEMBERS CAN PURCHASE FROM COSTCO.COMNON-MEMBERS CAN PURCHASE FROM COSTCO’S WEBSITE, COSTCO.COM, AT ANY TIME. THERE IS A DOWNSIDE, HOWEVER:THE FOOD OFFERING ON COSTCO.COM IS EXTREMELY...THE COSTCO CASH CARD CAN BE USED BY NON-MEMBERSCOSTCO ALSO HAS A CASH CARD (FANCY NAME FOR A GIFT CARD). WITH A COSTCO CASH CARD, ANY NON-MEMBER CAN SHOW THE CARD TO GET IN THE DOOR AND USE IT T...SHOPPING AT COSTCO DISCUSSION1. WHAT ARE YOUR FAVORITE COSTCO SHOPPING HACKS? 2. WHAT ARE YOUR FAVORITE ITEMS AT COSTCO?RELATED POSTS: 1. SAM’S CLUB VS. COSTCO REVIEW 2.THE CO...
Non-Members Can Purchase from Costco.com (with a 5% Surcharge) Non-members can purchase from Costco’s website, Costco.com, at any time. There is a downside, however: If you are not a member, you will be charged a 5% surcharge over posted THE COSTCO LIQUOR CABINET: A COSTCO ALCOHOL, WINE, & BEER As a decade-plus Costco customer and occasional beer, wine, and spirits consumer (responsibly and in moderation, of course), I had always found the Costco liquor selection to be somewhat under-developed over the years. 5 REASONS TO SWITCH TO A REEL MOWER Here are 5 great benefits that push reel mowers have over gas powered mowers (as well as some caveats to be aware of if you make the switch). 1. Push Reel Mowers are Cheaper than Gas Powered. Push reel mowers range in price from $80 to $200. Most are below $125. 20SOMETHINGFINANCE.COM How to Get the New FCC $50 Per Month Federal Broadband Subsidy. The U.S. Federal Communications Commission (FCC) is launching a new federal emergency broadband subsidy for lower income households to help them bridge the digital gap. The combined $9.2 billion . SOLO 401K BASICS FOR SELF-EMPLOYMENT INCOME (FOR 2020 & 2021) To recap, the maximum 401K contribution for employees is $19,500 in 2020 and 2021. Individuals age 50 or older can make an additional $6,500 catch-up contribution in 2020 and 2021. Contributions can’t exceed 100% of compensation. This maximum is a combined maximum between any other employer 401K and your Solo 401K. AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT American Rescue Plan Breakdown on Checks, Unemployment, ACA, Child Tax Credits, & More. President Biden will sign a huge new COVID relief bill, officially named the “ American Rescue Plan Act of 2021 ” (full text), into law very shortly. The new $1.9 trillion plan offers significant funding for assistance to low and middle income households THE COST OF WATERING YOUR LAWN Maybe $10 or so. Water from utilities in the U.S. is cheap. Ridiculously cheap to the point that cost is typically not a factor (when you drill down into your water bill, sewer and storm water surcharges make up the majority of your total utility cost). Heating water is a whole other story. SAFE WITHDRAWAL RATE: HOW TO CALCULATE HOW MUCH YOU NEED Once you have this number, multiply the spend by 33.33 to calculate how much you would need (100% of your portfolio ÷ by your withdrawal rate of 3% = 33.33). If your annual spend is $30,000, for example, your required portfolio number for retirement would be $1 million($30,000 x 33.33).
THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
'SELL BY', 'USE BY', & 'BEST BEFORE' DATES GUIDELINES Use By Date, or “Shelf Life”. A ‘use by date’ is the product manufacturers recommended date to use the product in order to still get peak quality. After that date, the product quality could decline, and if proper storage measures aren’t used, your health could be CAN YOU SHOP AT COSTCO WITHOUT A MEMBERSHIP? YES! HERE ISIS THERE A FREE COSTCO MEMBERSHIP?UNFORTUNATELY, THERE IS NO FREE COSTCO MEMBERSHIP, DAY PASS, GUEST PASS, OR TRIAL PERIOD WHERE YOU CAN WALK UP TO THE DOOR AND GET SOME KIND OF MAG...BUYING ALCOHOL AT COSTCO WITHOUT MEMBERSHIPI WAS NOT ABLE TO FIND ANY OFFICIAL COSTCO MESSAGING ON THIS, BUT IT APPEARS FROM MY RESEARCH THAT COSTCO ALLOWS ALCOHOL SALES TO NON-MEMBERS (OF L...BUYING PRESCRIPTIONS AT COSTCO WITHOUT MEMBERSHIPPRESCRIPTION DRUG SALES, LIKE ALCOHOL, ARE HIGHLY REGULATED. AND COSTCO AND OTHER MEMBERSHIP STORES MUST OFFER EQUAL ACCESS AND PRICING FOR PRESCRI...GET FOOD FROM THE COSTCO FOOD COURT WITHOUT A MEMBERSHIPI’VE SEEN MANY SITES THAT GIVE THE TIP THAT YOU CAN GET FOOD FROM THE COSTCO FOOD COURT RESTAURANT WITHOUT A MEMBERSHIP, BUT ONLY IF IT IS AN OUTDO...USING COSTCO OPTICAL SERVICES WITHOUT A MEMBERSHIPYOU CAN GET AN EYE EXAM AT COSTCO OPTICAL. HOWEVER, TO BUY GLASSES AND/OR CONTACTS, YOU DO NEED A COSTCO MEMBERSHIP.NON-MEMBERS CAN PURCHASE FROM COSTCO.COMNON-MEMBERS CAN PURCHASE FROM COSTCO’S WEBSITE, COSTCO.COM, AT ANY TIME. THERE IS A DOWNSIDE, HOWEVER:THE FOOD OFFERING ON COSTCO.COM IS EXTREMELY...THE COSTCO CASH CARD CAN BE USED BY NON-MEMBERSCOSTCO ALSO HAS A CASH CARD (FANCY NAME FOR A GIFT CARD). WITH A COSTCO CASH CARD, ANY NON-MEMBER CAN SHOW THE CARD TO GET IN THE DOOR AND USE IT T...SHOPPING AT COSTCO DISCUSSION1. WHAT ARE YOUR FAVORITE COSTCO SHOPPING HACKS? 2. WHAT ARE YOUR FAVORITE ITEMS AT COSTCO?RELATED POSTS: 1. SAM’S CLUB VS. COSTCO REVIEW 2.THE CO...
Non-Members Can Purchase from Costco.com (with a 5% Surcharge) Non-members can purchase from Costco’s website, Costco.com, at any time. There is a downside, however: If you are not a member, you will be charged a 5% surcharge over posted THE COSTCO LIQUOR CABINET: A COSTCO ALCOHOL, WINE, & BEER As a decade-plus Costco customer and occasional beer, wine, and spirits consumer (responsibly and in moderation, of course), I had always found the Costco liquor selection to be somewhat under-developed over the years. 5 REASONS TO SWITCH TO A REEL MOWER Here are 5 great benefits that push reel mowers have over gas powered mowers (as well as some caveats to be aware of if you make the switch). 1. Push Reel Mowers are Cheaper than Gas Powered. Push reel mowers range in price from $80 to $200. Most are below $125. HOW TO APPLY FOR EMERGENCY COVID RENTAL ASSISTANCE Buried deep within the text of the 2nd COVID relief bill passed in December and the American Rescue Plan signed this March, without any real fanfare or press among the relief payment checks, expanded unemployment benefits, and the expanded Child Tax Credit, is approved COVID emergency rental assistance and homeowner assistance.Combined, over $45 billion has been SOLO 401K BASICS FOR SELF-EMPLOYMENT INCOME (FOR 2020 & 2021) To recap, the maximum 401K contribution for employees is $19,500 in 2020 and 2021. Individuals age 50 or older can make an additional $6,500 catch-up contribution in 2020 and 2021. Contributions can’t exceed 100% of compensation. This maximum is a combined maximum between any other employer 401K and your Solo 401K. SAVE 6% OF YOUR HOME PRICE WHEN SELLING FOR SALE BY OWNER Save 6% of your Home Price when Selling For Sale by Owner. Real estate transactions typically involve two agents: These agents provide a service and need to put food on the table, so compensation in the form of commissions are involved. In residential real estate, commissions for the transaction are usually 3% to the listing agent and 3% to the EDUCATION TAX CREDITS & DEDUCTIONS: UPDATED FOR 2020 & 2021 Also, the student had not completed the first four years of post-secondary education – so grad students cannot take this credit. Credit Amount (for 2020/2021): up to $2,500 of the cost of tuition, fees and course materials paid during the taxable year per eligible student. Tax credit can be received for 100% of the first $2,000, plus25% of
THE CHILD TAX CREDIT (UPDATED FOR 2020 & 2021, FOR This article has been updated for the 2020 and 2021 calendar and tax years. As part of the Tax Cut & Jobs Act (tax reform) and American Rescue Plan Act of 2021, there have been notable changes to the Child Tax Credit, with a fairly significant new Child Tax Credit expansion in 2021 (see 2021 Child Tax Credit payment details here).Those changes impact the 2020 and 2021 tax year years and beyond. 7 STEPS FOR AN AWESOME CHEAP WEDDING 4. Get your Own Wedding Caterer. I hate typical wedding reception food. You get a choice of one or two plates of generic bland food usually pre-made by a mediocre chef at best. And the couple will usually end up paying $40, 50, or 60 a head for that, plus another $10 or so for silverware plates and linen. HOW TO SEND TEXT MESSAGES VIA EMAIL (SMS & MMS): LIST OF This may not be news for a lot of people, but you can send text messages via email, for free, to most major cellular providers. This tip is stellar in that it is part stupid frugal trick (save money on texting from your cell phone by emailing for free), part productivity (you can probably type faster from a normal QWERTY keyboard than a phone), and part tech geek. WHY EYEGLASSES ARE SO EXPENSIVE & HOW TO PAY LESS 60 Minutes had a really interesting piece on the Italian eyeglass manufacturer Luxottica that helps explain why.. Luxottica now manufactures just about every major designer eyeglass brand in the market – Gucci, Prada, Ray Ban, Oakley, Michael Kors, Armani, Tiffany & Co, Polo, Ralph Lauren, Versace, Chanel, Chaps, Paul Smith,Vogue, etc., etc
SERVICE ENGINE LIGHT: YOUR MECHANIC'S DIRTY LITTLE SECRET Troubleshoot the Check Engine Light, for Free. Even if you find a good mechanic, if you’re like me, you shiver at the thought of paying hundreds of dollars for major vehicle repairs.Even more, you dread paying $100 just to have your mechanic “take a look” at your vehicle to tell you that nothing is wrong with it when you see the “service engine soon” light. INTERVIEWER ASKING FOR REFERENCE TO CURRENT SUPERVISOR? I have never heard of a prospective employer asking for current supervisor as a reference, let alone DEMANDING it. From what I understand (and confirmed with a colleague in recruiting at my very discerning employer) is that most employers will not even checkreferences until a
20SOMETHINGFINANCE.COM How to Get the New FCC $50 Per Month Federal Broadband Subsidy. The U.S. Federal Communications Commission (FCC) is launching a new federal emergency broadband subsidy for lower income households to help them bridge the digital gap. The combined $9.2 billion . THE CHEAPEST NEW CARS OF 2021 (TOP 10 INEXPENSIVE VEHICLES The Chevy Trailblazer and last year’s Hyundai Venue are exciting newer entrants to this list. And the Spark, Soul, and Mirage are still all high value returnees at their price points. Without further ado, here are the top 10 cheapest new cars of 2021. 2020 & 2021 TAX BRACKETS (IRS TAX RATES) & STANDARD DEDUCTIONS The IRS has released the 2021 tax brackets (a bracketed rate table for the IRS federal income tax rates) and standard deduction amounts, and there are a number of inflation adjustments over the 2020 tax brackets and standard deductions. THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT American Rescue Plan Breakdown on Checks, Unemployment, ACA, Child Tax Credits, & More. President Biden will sign a huge new COVID relief bill, officially named the “ American Rescue Plan Act of 2021 ” (full text), into law very shortly. The new $1.9 trillion plan offers significant funding for assistance to low and middle income households COMCAST XFINITY RAISES THEIR MODEM RENTAL FEE AGAIN. STOP Stop Paying it. They did it again. In January of 2020, Comcast Xfinity raised their modem rental fee to $14, up from $13 previously. This makes Xfinity’s annual modem rental fee $168! If you have opted for the “Xfinity xFi”, as of late 2020, your cost is now $25/month ($300 per year)! The new modem rental price increases quietly hit THE COST OF WATERING YOUR LAWN Maybe $10 or so. Water from utilities in the U.S. is cheap. Ridiculously cheap to the point that cost is typically not a factor (when you drill down into your water bill, sewer and storm water surcharges make up the majority of your total utility cost). Heating water is a whole other story. 5 REASONS TO SWITCH TO A REEL MOWER Here are 5 great benefits that push reel mowers have over gas powered mowers (as well as some caveats to be aware of if you make the switch). 1. Push Reel Mowers are Cheaper than Gas Powered. Push reel mowers range in price from $80 to $200. Most are below $125. INTERVIEWER ASKING FOR REFERENCE TO CURRENT SUPERVISOR? I have never heard of a prospective employer asking for current supervisor as a reference, let alone DEMANDING it. From what I understand (and confirmed with a colleague in recruiting at my very discerning employer) is that most employers will not even checkreferences until a
THE COSTCO LIQUOR CABINET: A COSTCO ALCOHOL, WINE, & BEER As a decade-plus Costco customer and occasional beer, wine, and spirits consumer (responsibly and in moderation, of course), I had always found the Costco liquor selection to be somewhat under-developed over the years. 20SOMETHINGFINANCE.COM How to Get the New FCC $50 Per Month Federal Broadband Subsidy. The U.S. Federal Communications Commission (FCC) is launching a new federal emergency broadband subsidy for lower income households to help them bridge the digital gap. The combined $9.2 billion . THE CHEAPEST NEW CARS OF 2021 (TOP 10 INEXPENSIVE VEHICLES The Chevy Trailblazer and last year’s Hyundai Venue are exciting newer entrants to this list. And the Spark, Soul, and Mirage are still all high value returnees at their price points. Without further ado, here are the top 10 cheapest new cars of 2021. 2020 & 2021 TAX BRACKETS (IRS TAX RATES) & STANDARD DEDUCTIONS The IRS has released the 2021 tax brackets (a bracketed rate table for the IRS federal income tax rates) and standard deduction amounts, and there are a number of inflation adjustments over the 2020 tax brackets and standard deductions. THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT American Rescue Plan Breakdown on Checks, Unemployment, ACA, Child Tax Credits, & More. President Biden will sign a huge new COVID relief bill, officially named the “ American Rescue Plan Act of 2021 ” (full text), into law very shortly. The new $1.9 trillion plan offers significant funding for assistance to low and middle income households COMCAST XFINITY RAISES THEIR MODEM RENTAL FEE AGAIN. STOP Stop Paying it. They did it again. In January of 2020, Comcast Xfinity raised their modem rental fee to $14, up from $13 previously. This makes Xfinity’s annual modem rental fee $168! If you have opted for the “Xfinity xFi”, as of late 2020, your cost is now $25/month ($300 per year)! The new modem rental price increases quietly hit THE COST OF WATERING YOUR LAWN Maybe $10 or so. Water from utilities in the U.S. is cheap. Ridiculously cheap to the point that cost is typically not a factor (when you drill down into your water bill, sewer and storm water surcharges make up the majority of your total utility cost). Heating water is a whole other story. 5 REASONS TO SWITCH TO A REEL MOWER Here are 5 great benefits that push reel mowers have over gas powered mowers (as well as some caveats to be aware of if you make the switch). 1. Push Reel Mowers are Cheaper than Gas Powered. Push reel mowers range in price from $80 to $200. Most are below $125. INTERVIEWER ASKING FOR REFERENCE TO CURRENT SUPERVISOR? I have never heard of a prospective employer asking for current supervisor as a reference, let alone DEMANDING it. From what I understand (and confirmed with a colleague in recruiting at my very discerning employer) is that most employers will not even checkreferences until a
THE COSTCO LIQUOR CABINET: A COSTCO ALCOHOL, WINE, & BEER As a decade-plus Costco customer and occasional beer, wine, and spirits consumer (responsibly and in moderation, of course), I had always found the Costco liquor selection to be somewhat under-developed over the years. AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT American Rescue Plan Breakdown on Checks, Unemployment, ACA, Child Tax Credits, & More. President Biden will sign a huge new COVID relief bill, officially named the “ American Rescue Plan Act of 2021 ” (full text), into law very shortly. The new $1.9 trillion plan offers significant funding for assistance to low and middle income households SIMPLE IRA BASICS FOR SELF-EMPLOYMENT INCOME (2020 & 2021) SIMPLE IRA Contribution Limits. As an employee, you can put all of your net earnings from self-employment in to a SIMPLE IRA, up to a $13,500 maximum in 2020 and 2021 in salary reduction contributions. Those 50 or older can make a catch-up contribution of an additional $3,000 in 2020 and 2021. Separately, you can also match yourself asemployer
7 STEPS FOR AN AWESOME CHEAP WEDDING 4. Get your Own Wedding Caterer. I hate typical wedding reception food. You get a choice of one or two plates of generic bland food usually pre-made by a mediocre chef at best. And the couple will usually end up paying $40, 50, or 60 a head for that, plus another $10 or so for silverware plates and linen. WHY EYEGLASSES ARE SO EXPENSIVE & HOW TO PAY LESS 60 Minutes had a really interesting piece on the Italian eyeglass manufacturer Luxottica that helps explain why.. Luxottica now manufactures just about every major designer eyeglass brand in the market – Gucci, Prada, Ray Ban, Oakley, Michael Kors, Armani, Tiffany & Co, Polo, Ralph Lauren, Versace, Chanel, Chaps, Paul Smith,Vogue, etc., etc
TATA NANO PRICE, MODELS, SPECS, & MORE The Tata Nano was released in India for the price of $2,000 US Dollars (Update: in 2021, it looks like the Tata Nano price is about $3,243 USD for the base Nano GenX XE model). It will easily carry the title of world’s cheapest car – by far. The Nano is garnering lots of news attention as being a ‘Contrarian’ vehicle. HOW TO SEND TEXT MESSAGES VIA EMAIL (SMS & MMS): LIST OF This may not be news for a lot of people, but you can send text messages via email, for free, to most major cellular providers. This tip is stellar in that it is part stupid frugal trick (save money on texting from your cell phone by emailing for free), part productivity (you can probably type faster from a normal QWERTY keyboard than a phone), and part tech geek. USE YOUR FSA, HSA, OR HRA TO PAY FOR OTC MEDICATIONS The ability to use HSA, FSA, and HRA funds for non-prescribed OTC items was (unfortunately) removed in 2011, with the exception of prescribed medications. Now, it’s back. Examples of common eligible medications include pain relievers, allergy medication, cough medicine and drops, sleep aids, eye drops, stomach/intestinal remedies,medicinal
CREDIT KARMA REVIEW
My Credit Karma Review. Ever since I first used Credit Karma in my 10 free financial services post (and yes, you can get a free Credit Karma account for life), I’ve had many curious friends and readers ask me questions about them.That prompted me to write this Credit Karma review and update it frequently. It’s worth noting that Credit Karma was recently purchased by Intuit (owners of THE COST OF MANUAL TRANSMISSION VS. AUTOMATIC TRANSMISSION Fast forward to today, and manual transmission vehicles are going virtually extinct. I’ll take a look at the fuel efficiency, MSRP savings, and replacement costs of manual transmission vehicles compared to automatic to determine whether or not buying a manual is still worth it or whether its best to let the stick go the way of thedodo.
SEP IRA CONTRIBUTIONS AS AN EMPLOYER OR INDIVIDUAL? On the surface, this is confusing (and the IRS does not cover this well on their site), but the short answer to the question is, you can contribute to a SEP IRA both as an employer and an individual (with some caveats). As a self-employed individual (i.e. a contractor, fully self-employed, or someone who earns a side-income), think of a SEP IRA as a Traditional IRA with the added ability to 20SOMETHINGFINANCE.COM How to Get the New FCC $50 Per Month Federal Broadband Subsidy. The U.S. Federal Communications Commission (FCC) is launching a new federal emergency broadband subsidy for lower income households to help them bridge the digital gap. The combined $9.2 billion . THE CHEAPEST NEW CARS OF 2021 (TOP 10 INEXPENSIVE VEHICLES The Chevy Trailblazer and last year’s Hyundai Venue are exciting newer entrants to this list. And the Spark, Soul, and Mirage are still all high value returnees at their price points. Without further ado, here are the top 10 cheapest new cars of 2021. 2020 & 2021 TAX BRACKETS (IRS TAX RATES) & STANDARD DEDUCTIONS The IRS has released the 2021 tax brackets (a bracketed rate table for the IRS federal income tax rates) and standard deduction amounts, and there are a number of inflation adjustments over the 2020 tax brackets and standard deductions. THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT American Rescue Plan Breakdown on Checks, Unemployment, ACA, Child Tax Credits, & More. President Biden will sign a huge new COVID relief bill, officially named the “ American Rescue Plan Act of 2021 ” (full text), into law very shortly. The new $1.9 trillion plan offers significant funding for assistance to low and middle income households COMCAST XFINITY RAISES THEIR MODEM RENTAL FEE AGAIN. STOP Stop Paying it. They did it again. In January of 2020, Comcast Xfinity raised their modem rental fee to $14, up from $13 previously. This makes Xfinity’s annual modem rental fee $168! If you have opted for the “Xfinity xFi”, as of late 2020, your cost is now $25/month ($300 per year)! The new modem rental price increases quietly hit THE COST OF WATERING YOUR LAWN Maybe $10 or so. Water from utilities in the U.S. is cheap. Ridiculously cheap to the point that cost is typically not a factor (when you drill down into your water bill, sewer and storm water surcharges make up the majority of your total utility cost). Heating water is a whole other story. 5 REASONS TO SWITCH TO A REEL MOWER Here are 5 great benefits that push reel mowers have over gas powered mowers (as well as some caveats to be aware of if you make the switch). 1. Push Reel Mowers are Cheaper than Gas Powered. Push reel mowers range in price from $80 to $200. Most are below $125. INTERVIEWER ASKING FOR REFERENCE TO CURRENT SUPERVISOR? I have never heard of a prospective employer asking for current supervisor as a reference, let alone DEMANDING it. From what I understand (and confirmed with a colleague in recruiting at my very discerning employer) is that most employers will not even checkreferences until a
THE COSTCO LIQUOR CABINET: A COSTCO ALCOHOL, WINE, & BEER As a decade-plus Costco customer and occasional beer, wine, and spirits consumer (responsibly and in moderation, of course), I had always found the Costco liquor selection to be somewhat under-developed over the years. 20SOMETHINGFINANCE.COM How to Get the New FCC $50 Per Month Federal Broadband Subsidy. The U.S. Federal Communications Commission (FCC) is launching a new federal emergency broadband subsidy for lower income households to help them bridge the digital gap. The combined $9.2 billion . THE CHEAPEST NEW CARS OF 2021 (TOP 10 INEXPENSIVE VEHICLES The Chevy Trailblazer and last year’s Hyundai Venue are exciting newer entrants to this list. And the Spark, Soul, and Mirage are still all high value returnees at their price points. Without further ado, here are the top 10 cheapest new cars of 2021. 2020 & 2021 TAX BRACKETS (IRS TAX RATES) & STANDARD DEDUCTIONS The IRS has released the 2021 tax brackets (a bracketed rate table for the IRS federal income tax rates) and standard deduction amounts, and there are a number of inflation adjustments over the 2020 tax brackets and standard deductions. THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT American Rescue Plan Breakdown on Checks, Unemployment, ACA, Child Tax Credits, & More. President Biden will sign a huge new COVID relief bill, officially named the “ American Rescue Plan Act of 2021 ” (full text), into law very shortly. The new $1.9 trillion plan offers significant funding for assistance to low and middle income households COMCAST XFINITY RAISES THEIR MODEM RENTAL FEE AGAIN. STOP Stop Paying it. They did it again. In January of 2020, Comcast Xfinity raised their modem rental fee to $14, up from $13 previously. This makes Xfinity’s annual modem rental fee $168! If you have opted for the “Xfinity xFi”, as of late 2020, your cost is now $25/month ($300 per year)! The new modem rental price increases quietly hit THE COST OF WATERING YOUR LAWN Maybe $10 or so. Water from utilities in the U.S. is cheap. Ridiculously cheap to the point that cost is typically not a factor (when you drill down into your water bill, sewer and storm water surcharges make up the majority of your total utility cost). Heating water is a whole other story. 5 REASONS TO SWITCH TO A REEL MOWER Here are 5 great benefits that push reel mowers have over gas powered mowers (as well as some caveats to be aware of if you make the switch). 1. Push Reel Mowers are Cheaper than Gas Powered. Push reel mowers range in price from $80 to $200. Most are below $125. INTERVIEWER ASKING FOR REFERENCE TO CURRENT SUPERVISOR? I have never heard of a prospective employer asking for current supervisor as a reference, let alone DEMANDING it. From what I understand (and confirmed with a colleague in recruiting at my very discerning employer) is that most employers will not even checkreferences until a
THE COSTCO LIQUOR CABINET: A COSTCO ALCOHOL, WINE, & BEER As a decade-plus Costco customer and occasional beer, wine, and spirits consumer (responsibly and in moderation, of course), I had always found the Costco liquor selection to be somewhat under-developed over the years. AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT American Rescue Plan Breakdown on Checks, Unemployment, ACA, Child Tax Credits, & More. President Biden will sign a huge new COVID relief bill, officially named the “ American Rescue Plan Act of 2021 ” (full text), into law very shortly. The new $1.9 trillion plan offers significant funding for assistance to low and middle income households SIMPLE IRA BASICS FOR SELF-EMPLOYMENT INCOME (2020 & 2021) SIMPLE IRA Contribution Limits. As an employee, you can put all of your net earnings from self-employment in to a SIMPLE IRA, up to a $13,500 maximum in 2020 and 2021 in salary reduction contributions. Those 50 or older can make a catch-up contribution of an additional $3,000 in 2020 and 2021. Separately, you can also match yourself asemployer
7 STEPS FOR AN AWESOME CHEAP WEDDING 4. Get your Own Wedding Caterer. I hate typical wedding reception food. You get a choice of one or two plates of generic bland food usually pre-made by a mediocre chef at best. And the couple will usually end up paying $40, 50, or 60 a head for that, plus another $10 or so for silverware plates and linen. WHY EYEGLASSES ARE SO EXPENSIVE & HOW TO PAY LESS 60 Minutes had a really interesting piece on the Italian eyeglass manufacturer Luxottica that helps explain why.. Luxottica now manufactures just about every major designer eyeglass brand in the market – Gucci, Prada, Ray Ban, Oakley, Michael Kors, Armani, Tiffany & Co, Polo, Ralph Lauren, Versace, Chanel, Chaps, Paul Smith,Vogue, etc., etc
TATA NANO PRICE, MODELS, SPECS, & MORE The Tata Nano was released in India for the price of $2,000 US Dollars (Update: in 2021, it looks like the Tata Nano price is about $3,243 USD for the base Nano GenX XE model). It will easily carry the title of world’s cheapest car – by far. The Nano is garnering lots of news attention as being a ‘Contrarian’ vehicle. HOW TO SEND TEXT MESSAGES VIA EMAIL (SMS & MMS): LIST OF This may not be news for a lot of people, but you can send text messages via email, for free, to most major cellular providers. This tip is stellar in that it is part stupid frugal trick (save money on texting from your cell phone by emailing for free), part productivity (you can probably type faster from a normal QWERTY keyboard than a phone), and part tech geek. USE YOUR FSA, HSA, OR HRA TO PAY FOR OTC MEDICATIONS The ability to use HSA, FSA, and HRA funds for non-prescribed OTC items was (unfortunately) removed in 2011, with the exception of prescribed medications. Now, it’s back. Examples of common eligible medications include pain relievers, allergy medication, cough medicine and drops, sleep aids, eye drops, stomach/intestinal remedies,medicinal
CREDIT KARMA REVIEW
My Credit Karma Review. Ever since I first used Credit Karma in my 10 free financial services post (and yes, you can get a free Credit Karma account for life), I’ve had many curious friends and readers ask me questions about them.That prompted me to write this Credit Karma review and update it frequently. It’s worth noting that Credit Karma was recently purchased by Intuit (owners of THE COST OF MANUAL TRANSMISSION VS. AUTOMATIC TRANSMISSION Fast forward to today, and manual transmission vehicles are going virtually extinct. I’ll take a look at the fuel efficiency, MSRP savings, and replacement costs of manual transmission vehicles compared to automatic to determine whether or not buying a manual is still worth it or whether its best to let the stick go the way of thedodo.
SEP IRA CONTRIBUTIONS AS AN EMPLOYER OR INDIVIDUAL? On the surface, this is confusing (and the IRS does not cover this well on their site), but the short answer to the question is, you can contribute to a SEP IRA both as an employer and an individual (with some caveats). As a self-employed individual (i.e. a contractor, fully self-employed, or someone who earns a side-income), think of a SEP IRA as a Traditional IRA with the added ability to 20SOMETHINGFINANCE.COM Personal finance site, with articles & tips for young professionals &the young at heart.
2020 & 2021 TAX BRACKETS (IRS TAX RATES) & STANDARD DEDUCTIONSTHE CHILD TAX CREDITHOW TO DO YOUR TAXESAVERAGE TAX REFUNDTAX ALLOWANCES The IRS has released the 2021 tax brackets (a bracketed rate table for the IRS federal income tax rates) and standard deduction amounts, and there are a number of inflation adjustments over the 2020 tax brackets and standard deductions. THE CHEAPEST NEW CARS OF 2021 (TOP 10 INEXPENSIVE VEHICLES Each year, I enjoy researching and publishing a ranking of the cheapest new cars sold in the U.S. market. This article ranks the top 10 cheapest new cars of 2021, by price (MSRP, but I’ve also included factory invoice pricing as well). AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT This new COVID bill is a huge addition to the growing list of COVID-relief measures that include the CARES Act legislation passed last March and a smaller 2nd COVID relief bill passed in December.. The bill has the rare broad public support of 76% of Americans, including large majorities of both Democratic and Republican voters.In addition to the popular vaccine and school re-opening THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
5 REASONS TO SWITCH TO A REEL MOWER Having used both push reel mowers and gasoline powered mowers, the two offer completely different experiences. In fact, I just switched to a Fiskars push reel mower.. I can tell you, without hesitation, I prefer the push reel mower vs. other alternatives. THE COST OF WATERING YOUR LAWN The cost if you live in a rural area (well &septic) are even less, but the maintenance and upkeep costs certainly skyrocket. The only problem with converting to mostly gardens is that it needs to be done with anexacting eye.
COMCAST XFINITY RAISES THEIR MODEM RENTAL FEE AGAIN. STOP They did it again. In January of 2020, Comcast Xfinity raised their modem rental fee to $14, up from $13 previously. This makes Xfinity’s annual modem rental fee $168! If you have opted for the “Xfinity xFi”, as of late 2020, your cost is now $25/month ($300per year)!
THE MEXICAN FISHERMAN" PARABLE, ITS ORIGIN STORY For those curious, the story has been adopted and modified with a decided (and appropriate) American flavor over the years, but it appears that the origin of “The Mexican Fisherman” story was through a short story “Anekdote zur Senkung der Arbeitsmoral” (“Anecdote concerning the Lowering of Productivity”), published by a German writer, Heinrich Böll, in 1963. THE COSTCO LIQUOR CABINET: A COSTCO ALCOHOL, WINE, & BEER As a decade-plus Costco customer and occasional beer, wine, and spirits consumer (responsibly and in moderation, of course), I had always found the Costco liquor selection to be somewhat under-developed over the years. 20SOMETHINGFINANCE.COM Personal finance site, with articles & tips for young professionals &the young at heart.
2020 & 2021 TAX BRACKETS (IRS TAX RATES) & STANDARD DEDUCTIONSTHE CHILD TAX CREDITHOW TO DO YOUR TAXESAVERAGE TAX REFUNDTAX ALLOWANCES The IRS has released the 2021 tax brackets (a bracketed rate table for the IRS federal income tax rates) and standard deduction amounts, and there are a number of inflation adjustments over the 2020 tax brackets and standard deductions. THE CHEAPEST NEW CARS OF 2021 (TOP 10 INEXPENSIVE VEHICLES Each year, I enjoy researching and publishing a ranking of the cheapest new cars sold in the U.S. market. This article ranks the top 10 cheapest new cars of 2021, by price (MSRP, but I’ve also included factory invoice pricing as well). AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT This new COVID bill is a huge addition to the growing list of COVID-relief measures that include the CARES Act legislation passed last March and a smaller 2nd COVID relief bill passed in December.. The bill has the rare broad public support of 76% of Americans, including large majorities of both Democratic and Republican voters.In addition to the popular vaccine and school re-opening THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
5 REASONS TO SWITCH TO A REEL MOWER Having used both push reel mowers and gasoline powered mowers, the two offer completely different experiences. In fact, I just switched to a Fiskars push reel mower.. I can tell you, without hesitation, I prefer the push reel mower vs. other alternatives. THE COST OF WATERING YOUR LAWN The cost if you live in a rural area (well &septic) are even less, but the maintenance and upkeep costs certainly skyrocket. The only problem with converting to mostly gardens is that it needs to be done with anexacting eye.
COMCAST XFINITY RAISES THEIR MODEM RENTAL FEE AGAIN. STOP They did it again. In January of 2020, Comcast Xfinity raised their modem rental fee to $14, up from $13 previously. This makes Xfinity’s annual modem rental fee $168! If you have opted for the “Xfinity xFi”, as of late 2020, your cost is now $25/month ($300per year)!
THE MEXICAN FISHERMAN" PARABLE, ITS ORIGIN STORY For those curious, the story has been adopted and modified with a decided (and appropriate) American flavor over the years, but it appears that the origin of “The Mexican Fisherman” story was through a short story “Anekdote zur Senkung der Arbeitsmoral” (“Anecdote concerning the Lowering of Productivity”), published by a German writer, Heinrich Böll, in 1963. THE COSTCO LIQUOR CABINET: A COSTCO ALCOHOL, WINE, & BEER As a decade-plus Costco customer and occasional beer, wine, and spirits consumer (responsibly and in moderation, of course), I had always found the Costco liquor selection to be somewhat under-developed over the years. AMERICAN RESCUE PLAN BREAKDOWN ON CHECKS, UNEMPLOYMENT This new COVID bill is a huge addition to the growing list of COVID-relief measures that include the CARES Act legislation passed last March and a smaller 2nd COVID relief bill passed in December.. The bill has the rare broad public support of 76% of Americans, including large majorities of both Democratic and Republican voters.In addition to the popular vaccine and school re-opening 7 STEPS FOR AN AWESOME CHEAP WEDDING A few years ago, my wife and I got married. At the time, we had little money to put towards our wedding. A lot of thought, negotiation, andeven a little
SIMPLE IRA BASICS FOR SELF-EMPLOYMENT INCOME (2020 & 2021) 2020 & 2021 overview of SIMPLE IRA accounts for side hustle & self-employment income: contribution limits, deadlines, calculator,rollovers, & more.
CREDIT KARMA REVIEW
My Credit Karma Review. Ever since I first used Credit Karma in my 10 free financial services post (and yes, you can get a free Credit Karma account for life), I’ve had many curious friends and readers ask me questions about them.That prompted me to write this Credit Karma review and update it frequently. It’s worth noting that Credit Karma was recently purchased by Intuit (owners of USE YOUR FSA, HSA, OR HRA TO PAY FOR OTC MEDICATIONS CARES Act OTC Medication & Feminine Hygiene Product Qualified Medical Expense Changes. One of the lesser known but potentially high impact COVID-19 relief measures within the Coronavirus Aid, Relief, and Economic Security (CARES) Act, passed by Congress, is that you can once again use Flexible Spending Account (FSA), Health Savings Account (HSA), or Health Reimbursement TATA NANO PRICE, MODELS, SPECS, & MORE What is the Tata Nano’s Price? The Tata Nano was released in India for the price of $2,000 US Dollars (Update: in 2021, it looks like the Tata Nano price is about $3,243 USD for the base Nano GenX XE model). It will easily carry the title of world’s cheapest car – by far. THE COST OF MANUAL TRANSMISSION VS. AUTOMATIC TRANSMISSION Fast forward to today, and manual transmission vehicles are going virtually extinct. I’ll take a look at the fuel efficiency, MSRP savings, and replacement costs of manual transmission vehicles compared to automatic to determine whether or not buying a manual is still worth it or whether its best to let the stick go the way of thedodo.
HOW TO SEND TEXT MESSAGES VIA EMAIL (SMS & MMS): LIST OF This may not be news for a lot of people, but you can send text messages via email, for free, to most major cellular providers. This tip is stellar in that it is part stupid frugal trick (save money on texting from your cell phone by emailing for free), part productivity (you can probably type faster from a normal QWERTY keyboard than a phone), and part tech geek. SEP IRA CONTRIBUTIONS AS AN EMPLOYER OR INDIVIDUAL? On the surface, this is confusing (and the IRS does not cover this well on their site), but the short answer to the question is, you can contribute to a SEP IRA both as an employer and an individual (with some caveats). As a self-employed individual (i.e. a contractor, fully self-employed, or someone who earns a side-income), think of a SEP IRA as a Traditional IRA with the added ability to INTERVIEWER ASKING FOR REFERENCE TO CURRENT SUPERVISOR? I have never heard of a prospective employer asking for current supervisor as a reference, let alone DEMANDING it. From what I understand (and confirmed with a colleague in recruiting at my very discerning employer) is that most employers will not even checkreferences until a
20SOMETHINGFINANCE.COM How to Get the New FCC $50 Per Month Federal Broadband Subsidy. The U.S. Federal Communications Commission (FCC) is launching a new federal emergency broadband subsidy for lower income households to help them bridge the digital gap. The combined $9.2 billion . MY FIDELITY HSA ACCOUNT REVIEW (UPDATED 2021) If you’ve completed research in an attempt to find the best HSA account, you’re probably well aware that it is a bit of the “Wild West” out there.Because health savings accounts (HSAs) are still a relatively new type of investment account (they didn’t exist prior to 2003), they have been slow to get the attention and resources of the big players in the investment brokerage world. 2020 & 2021 TAX BRACKETS (IRS TAX RATES) & STANDARD DEDUCTIONS The IRS has released the 2021 tax brackets (a bracketed rate table for the IRS federal income tax rates) and standard deduction amounts, and there are a number of inflation adjustments over the 2020 tax brackets and standard deductions. THE CHILD TAX CREDIT (UPDATED FOR 2020 & 2021, FORWHAT IS THE CHILD TAX CREDIT?THE CHILD TAX CREDIT IS A SIGNIFICANT TAX CREDIT FOR THOSE WITH QUALIFIED DEPENDENT CHILDREN UNDER AGE 17 (MORE ON QUALIFICATIONS IN A BIT).THE CHI...WHAT IS THE “ADDITIONAL CHILD TAX CREDIT”?THE NAME IS SOMEWHAT CONFUSING, BUT THE ADDITIONAL CHILD TAX CREDIT MEANS THAT IF YOUR INCOME IS BELOW A CERTAIN THRESHOLD AND YOU HAVE SUFFICIENT...HOW DO I CLAIM THE CHILD TAX CREDITIF YOU HAVE QUALIFYING CHILDREN, IN ADDITION TO FILLING OUT THE APPROPRIATE LINES IN YOUR 1040 FORM, YOU WILL ALSO WANT TO SUBMIT IRS SCHEDULE 8812.2017 CHILD TAX CREDIT INCOME LEVELS & PHASEOUTTHE CHILD TAX CREDIT IS LIMITED IF YOUR MAGI IS ABOVE A CERTAIN AMOUNT. THE AMOUNT AT WHICH THIS PHASE-OUT BEGINS VARIES DEPENDING ON YOUR FILING S...THE 2018 CHILD TAX CREDIT AMOUNTAS WRITTEN, THE CHILD TAX CREDIT WILL BE INCREASED TO $2,000 PER QUALIFYING CHILD AND WILL BE REFUNDABLE UP TO $1,400, SUBJECT TO PHASEOUTS. THE BI...2018 CHILD TAX CREDIT INCOME LEVELS & PHASEOUTPHASEOUTS, WHICH ARE NOT INDEXED FOR INFLATION, WILL BEGIN WITH ADJUSTED GROSS INCOME OF MORE THAN $400,000 FOR MARRIED TAXPAYERS FILING JOINTLY AN...WHAT IS A “QUALIFIED CHILD” FOR THE CHILD TAX CREDIT?A QUALIFYING CHILD FOR THIS CREDIT IS SOMEONE WHO MEETS THE QUALIFYING CRITERIA OF SIX TESTS: AGE, RELATIONSHIP, SUPPORT, DEPENDENT, CITIZENSHIP, A...CAN YOU CLAIM A CHILD TAX CREDIT IN THE YEAR THE CHILD WAS BORN?AFTER LOOKING AT THE ‘RESIDENCE TEST’ ABOVE, I WAS LEFT WONDERING WHETHER OR NOT YOU COULD CLAIM THE CHILD TAX CREDIT IN THE YEAR THE CHILD WAS BOR...TAX CREDITS FOR CHILD CAREIN ADDITION TO THE CHILD TAX CREDIT, THERE ARE ALSO TAX CREDITS FOR CHILD CARE THAT YOU SHOULD LOOK INTO, IF YOU’VE PAID FOR CHILDCARE.RELATED POS...
This article has been updated for the 2020 and 2021 calendar and tax years. As part of the Tax Cut & Jobs Act (tax reform) and American Rescue Plan Act of 2021, there have been notable changes to the Child Tax Credit, with a fairly significant new Child Tax Credit expansion in 2021 (see 2021 Child Tax Credit payment details here).Those changes impact the 2020 and 2021 tax year years and beyond. IRA & HSA CONTRIBUTION DEADLINES EXTENDED TO NEW TAX I wanted to share a new noteworthy follow-up to the IRS’s 2021 federal tax filing deadline extension to May 17. The IRS has now officially announced that the HSA contribution deadline, the IRA contribution deadlines (both Traditional and Roth), and the deadlines for a few other tax-advantaged accounts (Archer MSAs and Coverdell ESAs) have been moved to the same new extended tax deadline THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
DEDUCTIBLE JOB SEARCH EXPENSES (UPDATED 2021) Update: Job-search expenses are no longer deductible for tax years 2018 through 2025 due to the Tax Cuts and Jobs Act (TCJA) that Congress signed into law on December 22, 2017 – as the 2% miscellaneous deduction will be removed. See IRS publication 529 for more details. What follows is for the tax years prior to 2018. THE COST OF WATERING YOUR LAWN Maybe $10 or so. Water from utilities in the U.S. is cheap. Ridiculously cheap to the point that cost is typically not a factor (when you drill down into your water bill, sewer and storm water surcharges make up the majority of your total utility cost). Heating water is a whole other story. WHERE SHOULD I INVEST SHORT-TERM SAVINGS? When I dig deeper, I often find that the context behind the question is that the person asking has a short-term goal that they are saving up for (i.e. grad school, down payment on a home, wedding, vehicle, etc.), and they don’t want their savings to sit and decay, without earning a return on investment. 5 REASONS TO SWITCH TO A REEL MOWER Here are 5 great benefits that push reel mowers have over gas powered mowers (as well as some caveats to be aware of if you make the switch). 1. Push Reel Mowers are Cheaper than Gas Powered. Push reel mowers range in price from $80 to $200. Most are below $125. 20SOMETHINGFINANCE.COM How to Get the New FCC $50 Per Month Federal Broadband Subsidy. The U.S. Federal Communications Commission (FCC) is launching a new federal emergency broadband subsidy for lower income households to help them bridge the digital gap. The combined $9.2 billion . MY FIDELITY HSA ACCOUNT REVIEW (UPDATED 2021) If you’ve completed research in an attempt to find the best HSA account, you’re probably well aware that it is a bit of the “Wild West” out there.Because health savings accounts (HSAs) are still a relatively new type of investment account (they didn’t exist prior to 2003), they have been slow to get the attention and resources of the big players in the investment brokerage world. 2020 & 2021 TAX BRACKETS (IRS TAX RATES) & STANDARD DEDUCTIONS The IRS has released the 2021 tax brackets (a bracketed rate table for the IRS federal income tax rates) and standard deduction amounts, and there are a number of inflation adjustments over the 2020 tax brackets and standard deductions. THE CHILD TAX CREDIT (UPDATED FOR 2020 & 2021, FORWHAT IS THE CHILD TAX CREDIT?THE CHILD TAX CREDIT IS A SIGNIFICANT TAX CREDIT FOR THOSE WITH QUALIFIED DEPENDENT CHILDREN UNDER AGE 17 (MORE ON QUALIFICATIONS IN A BIT).THE CHI...WHAT IS THE “ADDITIONAL CHILD TAX CREDIT”?THE NAME IS SOMEWHAT CONFUSING, BUT THE ADDITIONAL CHILD TAX CREDIT MEANS THAT IF YOUR INCOME IS BELOW A CERTAIN THRESHOLD AND YOU HAVE SUFFICIENT...HOW DO I CLAIM THE CHILD TAX CREDITIF YOU HAVE QUALIFYING CHILDREN, IN ADDITION TO FILLING OUT THE APPROPRIATE LINES IN YOUR 1040 FORM, YOU WILL ALSO WANT TO SUBMIT IRS SCHEDULE 8812.2017 CHILD TAX CREDIT INCOME LEVELS & PHASEOUTTHE CHILD TAX CREDIT IS LIMITED IF YOUR MAGI IS ABOVE A CERTAIN AMOUNT. THE AMOUNT AT WHICH THIS PHASE-OUT BEGINS VARIES DEPENDING ON YOUR FILING S...THE 2018 CHILD TAX CREDIT AMOUNTAS WRITTEN, THE CHILD TAX CREDIT WILL BE INCREASED TO $2,000 PER QUALIFYING CHILD AND WILL BE REFUNDABLE UP TO $1,400, SUBJECT TO PHASEOUTS. THE BI...2018 CHILD TAX CREDIT INCOME LEVELS & PHASEOUTPHASEOUTS, WHICH ARE NOT INDEXED FOR INFLATION, WILL BEGIN WITH ADJUSTED GROSS INCOME OF MORE THAN $400,000 FOR MARRIED TAXPAYERS FILING JOINTLY AN...WHAT IS A “QUALIFIED CHILD” FOR THE CHILD TAX CREDIT?A QUALIFYING CHILD FOR THIS CREDIT IS SOMEONE WHO MEETS THE QUALIFYING CRITERIA OF SIX TESTS: AGE, RELATIONSHIP, SUPPORT, DEPENDENT, CITIZENSHIP, A...CAN YOU CLAIM A CHILD TAX CREDIT IN THE YEAR THE CHILD WAS BORN?AFTER LOOKING AT THE ‘RESIDENCE TEST’ ABOVE, I WAS LEFT WONDERING WHETHER OR NOT YOU COULD CLAIM THE CHILD TAX CREDIT IN THE YEAR THE CHILD WAS BOR...TAX CREDITS FOR CHILD CAREIN ADDITION TO THE CHILD TAX CREDIT, THERE ARE ALSO TAX CREDITS FOR CHILD CARE THAT YOU SHOULD LOOK INTO, IF YOU’VE PAID FOR CHILDCARE.RELATED POS...
This article has been updated for the 2020 and 2021 calendar and tax years. As part of the Tax Cut & Jobs Act (tax reform) and American Rescue Plan Act of 2021, there have been notable changes to the Child Tax Credit, with a fairly significant new Child Tax Credit expansion in 2021 (see 2021 Child Tax Credit payment details here).Those changes impact the 2020 and 2021 tax year years and beyond. IRA & HSA CONTRIBUTION DEADLINES EXTENDED TO NEW TAX I wanted to share a new noteworthy follow-up to the IRS’s 2021 federal tax filing deadline extension to May 17. The IRS has now officially announced that the HSA contribution deadline, the IRA contribution deadlines (both Traditional and Roth), and the deadlines for a few other tax-advantaged accounts (Archer MSAs and Coverdell ESAs) have been moved to the same new extended tax deadline THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
DEDUCTIBLE JOB SEARCH EXPENSES (UPDATED 2021) Update: Job-search expenses are no longer deductible for tax years 2018 through 2025 due to the Tax Cuts and Jobs Act (TCJA) that Congress signed into law on December 22, 2017 – as the 2% miscellaneous deduction will be removed. See IRS publication 529 for more details. What follows is for the tax years prior to 2018. THE COST OF WATERING YOUR LAWN Maybe $10 or so. Water from utilities in the U.S. is cheap. Ridiculously cheap to the point that cost is typically not a factor (when you drill down into your water bill, sewer and storm water surcharges make up the majority of your total utility cost). Heating water is a whole other story. WHERE SHOULD I INVEST SHORT-TERM SAVINGS? When I dig deeper, I often find that the context behind the question is that the person asking has a short-term goal that they are saving up for (i.e. grad school, down payment on a home, wedding, vehicle, etc.), and they don’t want their savings to sit and decay, without earning a return on investment. 5 REASONS TO SWITCH TO A REEL MOWER Here are 5 great benefits that push reel mowers have over gas powered mowers (as well as some caveats to be aware of if you make the switch). 1. Push Reel Mowers are Cheaper than Gas Powered. Push reel mowers range in price from $80 to $200. Most are below $125. HOW TO APPLY FOR EMERGENCY COVID RENTAL ASSISTANCE Buried deep within the text of the 2nd COVID relief bill passed in December and the American Rescue Plan signed this March, without any real fanfare or press among the relief payment checks, expanded unemployment benefits, and the expanded Child Tax Credit, is approved COVID emergency rental assistance and homeowner assistance.Combined, over $45 billion has been 529 PLAN OVERVIEW (UPDATED FOR 2021) The money you put in a 529 account is considered a gift and, as such, qualifies for the annual $15,000 individual, $30,000 married filing jointly (2020 and 2021) gift tax exclusion. That is, you can contribute up to $15,000 annually (or $75,000 if you carry forward for the next 4 years), per beneficiary, without incurring any gift tax. SOLO 401K BASICS FOR SELF-EMPLOYMENT INCOME (FOR 2020 & 2021) To recap, the maximum 401K contribution for employees is $19,500 in 2020 and 2021. Individuals age 50 or older can make an additional $6,500 catch-up contribution in 2020 and 2021. Contributions can’t exceed 100% of compensation. This maximum is a combined maximum between any other employer 401K and your Solo 401K. EDUCATION TAX CREDITS & DEDUCTIONS: UPDATED FOR 2020 & 2021 Also, the student had not completed the first four years of post-secondary education – so grad students cannot take this credit. Credit Amount (for 2020/2021): up to $2,500 of the cost of tuition, fees and course materials paid during the taxable year per eligible student. Tax credit can be received for 100% of the first $2,000, plus25% of
DEDUCTIBLE JOB SEARCH EXPENSES (UPDATED 2021) Update: Job-search expenses are no longer deductible for tax years 2018 through 2025 due to the Tax Cuts and Jobs Act (TCJA) that Congress signed into law on December 22, 2017 – as the 2% miscellaneous deduction will be removed. See IRS publication 529 for more details. What follows is for the tax years prior to 2018. SAM'S CLUB VS. COSTCO COMPARISON: MY REVIEW (UPDATED 2021) Sam’s Club return policy. Winner: Costco (slight edge). Both Costco and Sam’s Club have refreshingly generous return policies, which makes shopping at either a huge perk. For starters, both offer full refund on the cost of membership if you are unsatisfied with it. Both offer return of items at any time. 'SELL BY', 'USE BY', & 'BEST BEFORE' DATES GUIDELINES Use By Date, or “Shelf Life”. A ‘use by date’ is the product manufacturers recommended date to use the product in order to still get peak quality. After that date, the product quality could decline, and if proper storage measures aren’t used, your health could be EQUIFAX CLAIM EMAIL: IT'S LEGIT & NOT A SCAM, SO TAKE ACTION Equifax Claim Email: It’s Legit & Not a Scam, So Take Action. Back in July, I highlighted how readers could file a claim for up to $20,625 in the Equifax Class Action settlement for the massive Equifax hack that impacted 147 million Americans. While that amount was surely unattainable for most, as I stated, a respectable $375 seemedplausible
THE ONE-TIME IRA TO HSA ROLLOVER TRANSFER: IS IT WORTH IT? The maximum amount you can roll over from an IRA to an HSA is equal to the maximum HSA contribution in a given year. You read that right. In 2021, for example, the maximum amount you can contribute to an HSA is: Individual Plan: $3,600 (+ a $1,000 “catch-up” contribution if age 55+) Family Plan: $7,200 (+ a $1,000 “catch-up CAN YOU SHOP AT COSTCO WITHOUT A MEMBERSHIP? YES! HERE IS Non-Members Can Purchase from Costco.com (with a 5% Surcharge) Non-members can purchase from Costco’s website, Costco.com, at any time. There is a downside, however: If you are not a member, you will be charged a 5% surcharge over posted 20SOMETHINGFINANCE.COM Personal finance site, with articles & tips for young professionals &the young at heart.
MY FIDELITY HSA ACCOUNT REVIEW (UPDATED 2021) If you’ve completed research in an attempt to find the best HSA account, you’re probably well aware that it is a bit of the “Wild West” out there.Because health savings accounts (HSAs) are still a relatively new type of investment account (they didn’t exist prior to 2003), they have been slow to get the attention and resources of the big players in the investment brokerage world. THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
7 STEPS FOR AN AWESOME CHEAP WEDDING 5. Plan your Own Wedding. Planning a wedding is a lot of work. It’s also a huge cost saver and incredibly rewarding. Planning the wedding yourself allows you to find out what all vendor costs are and getcomparisons.
'SELL BY', 'USE BY', & 'BEST BEFORE' DATES GUIDELINES Why ‘Sell By’, ‘Use By’, & ‘Best Before’ Dates Matter. When playing the ‘is it still good?’ game with your food and its shelf life, it’s fairly easy to jump to your own conclusions about what ‘Sell by’, ‘Use by’, and ‘Best if Used by’ mean. SAM'S CLUB VS. COSTCO COMPARISON: MY REVIEW (UPDATED 2021) I had always been curious about Sam’s Club, but had never given the chain a chance.With an American Express promotion giving targeted AmEx customers a free Sam’s Club membership (in the form of a statement credit), we had nothing to lose. So, we decided to give it try, in the hopes that it could provide some nice staple complements to the items we regularly stock up on at Costco. HOW TO GET RID OF XFINITY TV BOX & DVR FEES WITH A ROKU OR After recently completing a 2-year contract with Comcast Xfinity, I went through another round of price negotiations and came out much better for it. Through the negotiation process, I was able to drop the total price of my cable TV, HD DVR, high-speed internet, and Xfinity Mobile (see my Xfinity Mobile review here) package to under $95 per month – roughly a 34% cost savings versus my end-of THE COST OF WATERING YOUR LAWN The cost if you live in a rural area (well &septic) are even less, but the maintenance and upkeep costs certainly skyrocket. The only problem with converting to mostly gardens is that it needs to be done with anexacting eye.
5 REASONS TO SWITCH TO A REEL MOWERWHY A REEL MOWERRIDING REEL MOWERELECTRIC POWERED REEL MOWERPUSH REEL MOWER PARTSCOMMERCIAL REEL MOWERBEST PUSH REEL MOWER REVIEW Having used both push reel mowers and gasoline powered mowers, the two offer completely different experiences. In fact, I just switched to a Fiskars push reel mower.. I can tell you, without hesitation, I prefer the push reel mower vs. other alternatives. INTERVIEWER ASKING FOR REFERENCE TO CURRENT SUPERVISOR? I have never heard of a prospective employer asking for current supervisor as a reference, let alone DEMANDING it. From what I understand (and confirmed with a colleague in recruiting at my very discerning employer) is that most employers will not even checkreferences until a
20SOMETHINGFINANCE.COM Personal finance site, with articles & tips for young professionals &the young at heart.
MY FIDELITY HSA ACCOUNT REVIEW (UPDATED 2021) If you’ve completed research in an attempt to find the best HSA account, you’re probably well aware that it is a bit of the “Wild West” out there.Because health savings accounts (HSAs) are still a relatively new type of investment account (they didn’t exist prior to 2003), they have been slow to get the attention and resources of the big players in the investment brokerage world. THE COST OF AIR CONDITIONING VS. A FAN The Cost of Air Conditioning Vs. Fans. According to the article: a good window AC unit runs on 1.2 kilowatts and costs 14 cents an hour to run; a three-ton central air unit (a common cooling system), runs on about 3 kilowatts and costs about 36 cents an hour to run; a good ceiling fan?It draws only 30 watts to run, costing about 1 cent perthree hours of use
7 STEPS FOR AN AWESOME CHEAP WEDDING 5. Plan your Own Wedding. Planning a wedding is a lot of work. It’s also a huge cost saver and incredibly rewarding. Planning the wedding yourself allows you to find out what all vendor costs are and getcomparisons.
'SELL BY', 'USE BY', & 'BEST BEFORE' DATES GUIDELINES Why ‘Sell By’, ‘Use By’, & ‘Best Before’ Dates Matter. When playing the ‘is it still good?’ game with your food and its shelf life, it’s fairly easy to jump to your own conclusions about what ‘Sell by’, ‘Use by’, and ‘Best if Used by’ mean. SAM'S CLUB VS. COSTCO COMPARISON: MY REVIEW (UPDATED 2021) I had always been curious about Sam’s Club, but had never given the chain a chance.With an American Express promotion giving targeted AmEx customers a free Sam’s Club membership (in the form of a statement credit), we had nothing to lose. So, we decided to give it try, in the hopes that it could provide some nice staple complements to the items we regularly stock up on at Costco. HOW TO GET RID OF XFINITY TV BOX & DVR FEES WITH A ROKU OR After recently completing a 2-year contract with Comcast Xfinity, I went through another round of price negotiations and came out much better for it. Through the negotiation process, I was able to drop the total price of my cable TV, HD DVR, high-speed internet, and Xfinity Mobile (see my Xfinity Mobile review here) package to under $95 per month – roughly a 34% cost savings versus my end-of THE COST OF WATERING YOUR LAWN The cost if you live in a rural area (well &septic) are even less, but the maintenance and upkeep costs certainly skyrocket. The only problem with converting to mostly gardens is that it needs to be done with anexacting eye.
5 REASONS TO SWITCH TO A REEL MOWERWHY A REEL MOWERRIDING REEL MOWERELECTRIC POWERED REEL MOWERPUSH REEL MOWER PARTSCOMMERCIAL REEL MOWERBEST PUSH REEL MOWER REVIEW Having used both push reel mowers and gasoline powered mowers, the two offer completely different experiences. In fact, I just switched to a Fiskars push reel mower.. I can tell you, without hesitation, I prefer the push reel mower vs. other alternatives. INTERVIEWER ASKING FOR REFERENCE TO CURRENT SUPERVISOR? I have never heard of a prospective employer asking for current supervisor as a reference, let alone DEMANDING it. From what I understand (and confirmed with a colleague in recruiting at my very discerning employer) is that most employers will not even checkreferences until a
2020 & 2021 TAX BRACKETS (IRS TAX RATES) & STANDARD DEDUCTIONS The IRS has released the 2021 tax brackets (a bracketed rate table for the IRS federal income tax rates) and standard deduction amounts, and there are a number of inflation adjustments over the 2020 tax brackets and standard deductions. EDUCATION TAX CREDITS & DEDUCTIONS: UPDATED FOR 2020 & 2021 Many readers of this site are completing school for the first time or plan to go back to school to further their education. So, I’ve compiled a list of education tax credits and deductions for 2020 for those completing their tax returns and looking ahead to 2021. CAPITAL LOSS TAX DEDUCTIONS: AN OVERVIEW (2020 & 2021) What is a Capital Loss Tax Deduction? The tax implications of selling an investment are usually thought of and discussed in a negative light. At the same time, selling an investment for a loss is almost universally seen as a bad thing. DONATION RECEIPTS FOR CHARITABLE TAX DEDUCTIONS If you itemize your taxes, you should definitely deduct your charitable contributions!. 2020 Update: with the CARES Act legislation providing a number of financial COVID relief measures, there is a relevant 2020 update on this information.There is a new $300 donation deduction provision for those who claim the standard deduction (in addition to those who itemize). THE CHILD TAX CREDIT (UPDATED FOR 2020 & 2021, FOR This article has been updated for the 2020 and 2021 calendar and tax years. As part of the Tax Cut & Jobs Act (tax reform) and American Rescue Plan Act of 2021, there have been notable changes to the Child Tax Credit, with a fairly significant new Child Tax Credit expansion in 2021 (see 2021 Child Tax Credit payment details here).Those changes impact the 2020 and 2021 tax year years and beyond. THE ONE-TIME IRA TO HSA ROLLOVER TRANSFER: IS IT WORTH IT? So when I found out there is a little-known clause in the tax code that makes it possible to roll over Traditional IRA funds to an HSA (technically referred to as a “qualified HSA funding distribution”), I immediately decided to explore further.. What I discovered, I’ll share with you now. SERVICE ENGINE LIGHT: YOUR MECHANIC'S DIRTY LITTLE SECRET Hello, you seem like a person who is up front and honest, that is why I would like to ask you a question , and I hope you might be able to help, I bought a used car, I traded in mine ,and gave the guy cash, so all together I ended up paying like $5500, for a 1999 lexes, nice car motor is wonderful, but about 2 months down the road the check engine light when on , and so did the traction light CAN YOU SHOP AT COSTCO WITHOUT A MEMBERSHIP? YES! HERE IS Just check out some of the Costco prices that I highlighted in my best warehouse deals post in comparison to the reputably inexpensive Trader Joe’s:. Kirkland organic quinoa: 4.5 lb., $11.99, $2.66/lb. (compared to $3.49/lb. at Trader Joe’s) Organic frozen broccoli: 4 lb. bag, $5.99, $1.49/lb. (compared to $2.49/lb. at Trader Joe’s) SEP IRA CONTRIBUTIONS AS AN EMPLOYER OR INDIVIDUAL? On the surface, this is confusing (and the IRS does not cover this well on their site), but the short answer to the question is, you can contribute to a SEP IRA both as an employer and an individual (with some caveats). As a self-employed individual (i.e. a contractor, fully self-employed, or someone who earns a side-income), think of a SEP IRA as a Traditional IRA with the added ability to HOW TO GET A COSTCO MEMBERSHIP FEE REFUND, POST ANNUAL Last year, I asked and examined the question of: “Is the Costco membership fee worth it? In my case, the standard Costco membership is worth every penny. Between the savings from notably discounted gasoline, bulk volume consumer staples, and high-quality house brand products like Costco’s Kirkland alcohol offerings and Kirkland dog food & cat food – I’m saving hundreds of dollars in__
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THE SOCIAL SECURITY OVERVIEW FOR EVERYONE UNDER AGE 62 __ Last updated: October 13, 2019 __ 5 Comments Social Security: An Overview I’ve been crafting this Social Security overview for the last 3 years. Seriously. It has taken me that long to get it to the level … MAINSTREAM FREE STOCK & ETF TRADING IS HERE TO STAY. DOES IT MATTER? __ Last updated: October 6, 2019 __ No Comments It seems like every 6 months or so there is big financial investment industry news that is reflective of the industry race to the bottom on price. Well, here … LIFE MEETS FORCED JOB RELOCATION __ Last updated: September 30, 2019 __ 11 Comments I’ve been with my employer for a faithful 12+ years. And it’s been a good run. I’ve performed well. Well enough to be the highest revenue generator globally in … EQUIFAX CLAIM EMAIL: IT’S LEGIT & NOT A SCAM, SO TAKE ACTION __ Last updated: September 22, 2019 __ No Comments Back in July, I highlighted how readers could file a claim for up to $20,625 in the Equifax Class Action settlement for the massive Equifax hack that impacted 147 … WHERE TO GET CHEAP OR FREE FLU SHOTS __ Last updated: September 15, 2019 __ 146 Comments The 2019 – 2020 flu season is here and it could be a bad one. Should you get a flu shot? There are many good reasons to… Onaverage, …
PERSONAL FINANCE SHORTCUTS __ Last updated: September 11, 2019 __ 3 Comments Being a personal finance writer, I often get approached with questions that imply that I am sitting on a secret hot tip that will lead the inquisitor to personal … DON’T QUIT YOUR JOB JUST BECAUSE YOU DON’T LIKE IT __ Last updated: September 30, 2019 __ 6 Comments I write about financial independence here fairly often. I do so because I truly believe that obtaining it (and the wonderful gift of time that it provides) can give … HOW TO PREPARE FOR A RECESSION (& ENHANCE YOUR LIFE) __ Last updated: September 30, 2019 __ 12 Comments Try not to freak out too much, but you should be aware that there are a number of troubling economic indicators that are flashing bright redright now that …
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