Random Roger's Retirement Planning

JUNE 10, 2024

The title of today's post is essentially the question asked in a Bloomberg Article ( syndicated at Yahoo ). We've talked just a couple of times about the market becoming increasingly concentrated which just in terms of math means that a diversified strategy will lag for as long as the big names do well. The love the word ballast.

Retirement 98

Retirement Asset Allocation Math Marketing 98

Darrow Wealth Management

OCTOBER 1, 2022

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

Retirement 96

Retirement Taxes Math CFP 96

Random Roger's Retirement Planning

JUNE 30, 2024

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

Retirement 75

Retirement Math Taxes Accounting 75

Random Roger's Retirement Planning

FEBRUARY 29, 2024

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

Marketing 95

Marketing Marketing Math Portfolio 95

Clever Girl Finance

SEPTEMBER 11, 2023

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

Budgeting 104

Budgeting Taxes Transportation Healthcare 104

Darrow Wealth Management

SEPTEMBER 7, 2023

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

Wealth Management 82

Wealth Management Taxes Tax Planning Valuation 82

Mr. Money Mustache

FEBRUARY 25, 2025

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

Marketing 66

Marketing Marketing Sales Portfolio 66

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 73

Budgeting Taxes Numbers Retirement 73

Clever Girl Finance

AUGUST 14, 2022

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

Budgeting 105

Budgeting Accounting Medical Math 105

Darrow Wealth Management

MAY 22, 2023

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

Investing 102

Investing Investments Accounting Wealth Management 102

Clever Girl Finance

JULY 13, 2024

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

Budgeting 98

Budgeting Transportation Retirement Food 98

Clever Girl Finance

DECEMBER 16, 2023

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

Budgeting 96

Budgeting Retirement Accounting Taxes 96

Clever Girl Finance

FEBRUARY 21, 2024

The term personal finance ratios might give you flashbacks to math class, learning various formulas, equations, and ratios. Articles related to organized finances and financial literacy Calculate your personal finance ratios! You can use a gross figure or your actual take-home pay (aka net income) after taxes.

Assets 98

Assets Numbers Math Retirement 98

Trade Brains

DECEMBER 7, 2023

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

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Clever Girl Finance

OCTOBER 17, 2023

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

Taxes 52

Taxes Numbers Math Budgeting 52

Investing Caffeine

FEBRUARY 1, 2022

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

Math 52

Math Assets Investing Investments 52

Walkner Condon Financial Advisors

JUNE 2, 2023

And in our research for this article, we were happy to learn that we are trending in the right direction. In this regard, financial planning seems to differ from science, technology, engineering and math (STEM) careers where many women leave their jobs in their mid-thirties after a few years of experience on the job.”

Financial Planning 98

Financial Planning Planning CFP Financial Advisor 98

Brown Advisory

AUGUST 1, 2019

Indeed, a Roth conversion has the potential to generate greater wealth than a traditional IRA during an individual’s or couple’s lifetime, and it can play a meaningful role in providing tax advantages to heirs throughout their lifetime as well. RMDs from a traditional IRA are taxed as ordinary income.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

Indeed, a Roth conversion has the potential to generate greater wealth than a traditional IRA during an individual’s or couple’s lifetime, and it can play a meaningful role in providing tax advantages to heirs throughout their lifetime as well. RMDs from a traditional IRA are taxed as ordinary income.

Planning 52

Planning Distribution Taxes Accounting 52

Random Roger's Retirement Planning

NOVEMBER 19, 2023

There are some interesting comments on the article though as is often the case. Part of the math that determines options premiums is the risk free rate of return from T-bills. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Retirement 75

Retirement Accounting Math Healthcare 75

Random Roger's Retirement Planning

DECEMBER 1, 2023

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

Math 74

Math Retirement Numbers Portfolio 74

The Big Picture

MAY 9, 2023

So how do you then go from tax and audit practice to finance and investing? So I took it upon myself to go off and took a course in bond math, took another course in derivatives and realized the underlying fundamental concepts were barely, I mean, it wasn’t even high school math in most cases. Very different fields.

Assets 299

Assets Clients Investing Investments 299

Random Roger's Retirement Planning

SEPTEMBER 6, 2024

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

Retirement 45

Retirement Math Portfolio Investing 45

Clever Girl Finance

SEPTEMBER 25, 2023

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

Budgeting 52

Budgeting Taxes Accounting Transportation 52

Brown Advisory

MAY 3, 2018

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

Taxes 52

Taxes Portfolio Valuation Clients 52

Brown Advisory

MAY 3, 2018

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

Taxes 52

Taxes Portfolio Valuation Clients 52

Clever Girl Finance

JANUARY 29, 2023

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

Budgeting 119

Budgeting Retirement Assets Education 119

Random Roger's Retirement Planning

FEBRUARY 4, 2024

Today's post will look at a couple of different retirement articles that I stumbled into this weekend. The article was dismissive of hobbies and made no mention of actively volunteering. The other article was not about retiring but there is a clear an obvious parallel related to big lifetime milestones.

Retirement 40

Retirement Math Government Taxes 40

Random Roger's Retirement Planning

DECEMBER 15, 2024

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

Retirement 52

Retirement Retirement Planning Numbers Planning 52

Midstream Marketing

SEPTEMBER 24, 2019

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

Financial Advisor 52

Financial Advisor Retirement Planning Retirement Planning 52

Good Financial Cents

AUGUST 10, 2023

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

Budgeting 52

Budgeting Taxes Numbers Management 52

The Big Picture

SEPTEMBER 19, 2023

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

Assets 147

Assets Management Investing Investments 147

The Big Picture

OCTOBER 21, 2024

I’m good at math and science and you know, I always had an idea what go into business, but I felt that electrical engineering would be a good foundation. You know, I, it always, I I see different numbers all the time, so it’s always kinda like, who’s math if you will? He had been a tax lawyer. Interesting.

Numbers 147

Numbers Banking Investing Investments 147

The Big Picture

JANUARY 9, 2024

Barry Ritholtz : 00:03:34 All right, so you go to Yale Law School, you are on the law review, given your current career as a writer, did you, did you publish a, a law review article? And so the thing we were doing was sort of solving like often securities law or tax or accounting problems for people with like derivatives.

Retail 130

Retail Banking Math Management 130

Clever Girl Finance

AUGUST 2, 2022

With Individual Retirement Arrangements (IRAs), you can invest your money in a tax-advantaged way. Using a traditional IRA to turn 10K into 100K means the money you deposit may be tax-deductible. If you use a Roth IRA, you pay taxes on contributions but not on qualified distributions when you retire. IRAs or Roth IRAs.

Education 59

Education Retirement Investing Investments 59

The Big Picture

OCTOBER 17, 2023

So I, I did a math degree at Oxford, which is more pure math. You know, pure math can be very theoretical and detached from the real world, and it’s getting worse. You don’t have to pay any tax and just let the rest ride. It’s just math stick to it over long periods of time. You give out 5%.

Investing 130

Investing Investments Clients Numbers 130

Clever Girl Finance

JULY 6, 2023

Bookkeeping and accounting If you liked math in school and have a knack for numbers, you might make a great bookkeeper. A short-term rental business can help you cover the mortgage and taxes on a property and turn a profit, but it can also be risky during periods of travel uncertainty. What business is best for women to start?

Clients 105

Clients Media License Advertising 105