Posted by Richard on May 14, 2019
It’s a term thrown around a lot, and it sounds important: vesting. As in, being fully vested — that sounds pretty good and it is. According to the IRS, being vested in a retirement plan means ownership. All employee contributions to a retirement plan are 100% fully vested — the employee owns everything he or […]
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You are on vacation; wouldn’t it be nice to check in on the family pet? Or you are at work; it would be nice to check to see if the baby is down for a nap. The convenience of security cameras and baby monitors make them an important part of the Internet of Things (IoT). […]
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Airport torture. Enormous concourses 100-miles long. No benches. Dragging a suitcase. That crowd pushing around. The flight schedule is unreadable. The flight announcements are mumbles. By the time you haul your suitcase out of the luggage carousel, you’re finished. Something should be done. People aged 65 or older are becoming a very large group and […]
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A majority of homebuyers today research online prior to checking out a house in person, and surprisingly few listings include anything other than mediocre photos. So good photography immediately sets you apart from other sellers. If possible, it’s a good idea to hire a professional real estate photographer. Real estate photography is a specialty unto […]
Read More →Posted by Richard on April 10, 2019
Fear: The boss might steal it. Somewhere on an assembly line is a young worker who once told a reporter: I wouldn’t put my money in a 401(k) because the boss could steal it. Rest easy. In average situations, there is very little chance the boss could steal the money from a 401(k), which would […]
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Upon retirement, you don’t get a paycheck with the proper amount of taxes withheld. That’s obvious. What may not be so obvious until you retire is the amount of taxes you owe. Unlike employees, retirees write checks for their taxes, making them acutely aware of their tax burden. Of course, everything we save for retirement […]
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The home you’ve cared for and loved might seem incomparable to you, but when you sell (or get a home equity loan), someone is going to have to find a comparison. In the language of real estate and mortgage that is called comps. Comps help answer the biggest question on your mind and a lender’s […]
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Suppose for some reason you lose your phone number. Then suppose it is recycled to people with bad intent. Could the number be used to fetch passwords? Could they get into your email? You bet they could. Millions of people get new phone numbers, some of which have been used in the past by someone […]
Read More →Posted by Richard on March 14, 2019
You know the answer: They both bloom in spring. About 40 percent of home sales will be taking place from now to June, when the spring season gets people motivated to find a house, move and settle in before fall. April is the time to get your home in tip-top condition to sell. According to […]
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The Tax Cuts and Jobs Act of 2017 (TCJA) may not mean reduced taxes for every taxpayer, but it figures prominently for the American population as a whole. According to TaxAct.com and other sources, the tax rates of past years are gone. Almost every tax rate and bracket for each filing status have been changed. […]
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