As I sign of my psychic genius, I will predict your New Year's Resolutions. They are: 1. I will save or earn more money. 2. I will become more healthy. 3. I will be less cluttered and more organized. Hopefully I can help with the first one … [Read the rest]
Free 8-Week Membership At Bally’s Gym
Posted on January 5, 2007 // 13 Comments
Last updated: February 23, 2012
If Real Estate Prices Are Cyclic, Where Are We Now?
Posted on January 4, 2007 // 21 Comments
I'd say I'm somewhere between anxiety and denial now. If you can't tell, I'm thinking of buying a house in a large West Coast city sometime late in 2007. Hurry up despondency! :) This chart would be funnier if it didn't hit so close to home. … [Read the rest]
Last updated: January 4, 2007
Controversial Rent vs. Own Housing Calculator
Posted on January 4, 2007 // 25 Comments
The Center for Economic and Policy Research (CEPR), a non-governmental economic think-tank, is very upfront about its views on the housing bubble. For a clue as to what they are, check out this article titled "The Menace of an Unchecked Housing … [Read the rest]
Last updated: January 15, 2016
Does Your Income Vary? Get Around Roth IRA Income Limits
Posted on January 3, 2007 // 8 Comments
In my post about Roth IRA conversions, commenter JT pointed out a good way to get around the Roth IRA income limits if your income varies from year to year. Simply put contribute to a non-deductible Traditional IRA, and wait until your modified AGI … [Read the rest]
Last updated: January 3, 2007
Redeemed Savings Bond Online
Posted on January 3, 2007 // 6 Comments
As suggested by my When Should You Redeem I Savings Bonds Calculator, I redeemed a $5,000 I-Bond purchased in October 2005 on Tuesday. I ended up receiving $298 in interest over a holding period of 14 months (I bought at the very end of October). … [Read the rest]
Last updated: January 3, 2007
Taking Advantage of After Christmas Clearance Sales
Posted on January 3, 2007 // 8 Comments
We just cleaned up at the After-Christmas sale at a local drugstore chain (Longs Drugs). They had everything marked down for 10 cents each! We stocked up on enough tissue paper, holiday gift bags, and rolls of wrapping paper to last us for years … [Read the rest]
Last updated: January 3, 2007
My Traditional to Roth IRA Conversion Decision Process
Posted on January 1, 2007 // 25 Comments
For the best site that I've found to the Traditional-to-Roth IRA conversion process (and more clear than the IRS instructions), see the Fairmark guide. Reading through it, you can see there are a ton of variables to consider, including evaluating … [Read the rest]
Last updated: April 22, 2015
2006 Financial Goals Final Recap – How Did I Do?
Posted on December 31, 2006 // 4 Comments
A year ago I set myself some specific financial goals to reach in 2006. Let's see what I managed to accomplish: Separate business and personal financial worlds. Done, I have separate business checking accounts and credit cards, and I run all of … [Read the rest]
Last updated: December 31, 2006
Pentagon Federal Offering 3-Year CDs at 6.25% APY
Posted on December 28, 2006 // 22 Comments
Pentagon Federal Credit Union is now offering a generous 6.25% APY rate on it's 3, 4, 5, and 7-year CDs (they call it a Money Market Certificate). These rates probably won't last, so if this looks good to you you may want to jump in now. These … [Read the rest]
Last updated: October 23, 2016
Guest Post on Preventing Lifestyle Inflation
Posted on December 28, 2006 // 2 Comments
J.D. of GetRichSlowly was looking for some guest authors during his break, so I submitted a short piece on How To Prevent Lifestyle Inflation, or the vicious cycle of Earn More, Spend More. We are successfully living on one income right now, but … [Read the rest]
Last updated: November 22, 2015
Myths About Marginal Tax Rates Explained
Posted on December 28, 2006 // 19 Comments
Taxes are always confusing, and marginal tax rates are no exception. Although I am no accountant, here are some clarifications on how to use the 2006 tax bracket table I just posted. First, it should be noted that it is for taxable income, not … [Read the rest]
Last updated: February 27, 2007
What’s My Marginal Tax Rate Bracket For 2006?
Posted on December 27, 2006 // 10 Comments
I keep having to look these up, so here are the tax brackets for 2006. Marginal Tax Rate [Taxable Income] Single Married Filing Jointly 10% $0-$7,550 $0-$15,100 … [Read the rest]
Last updated: January 5, 2016
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