ESPP – sell after it qualifies as capital gain or hold? The company I work for’s parent company gives us an ESPP. Later this year, I will hit 2 years since the grant date and would qualify for selling that stock and being taxed as a capital gain. However, the stock performs pretty well, 1 year pre-tax return says 46%. Our parent company is large and mature as well. My plan was always to hold until it…

Buying a home – price around current temporary situation (ie daycare) or long-term? My wife and I both work and earn healthy salaries in stable jobs (or at least as stable as any job can be). Contributing 20% to retirement, no debt besides our current mortgage on a condo. We have a 1 year old and are planning to add to our family soon. Before that happens, we are hoping to move to a single family home in a desirable suburb. But…

Head of Household or Single? Im not sure which to file for. I have my daughter, my only dependant and we live with my boyfriend. She lived with me the whole 2024 year. We both pay our own half of rent/utilities and buy everything else seperate. If im understanding right, that is what I should filling as but I keep getting conflicting answers from every source. I’ll add any…

Fluffed W2 – extra hours worked, not paid Hi everyone, Exactly what the title claims. A little backstory: I quit same day on Jan 25th, 2024. I worked for an insurance office, an angry customer kicked in the door to my office, called me a few bad names, and I was told to apologize to the insured. I had no contact with him, nor did I ever touch his file. This was about 2 months into me w…

ARM vs fixed vs buy down? I know these questions get asked a lot, but I feel like the more I read others’ responses the more confused I get as I read pros and cons to each option. I figured I would share information about my personal situation to see if there is something I’m missing or any advice out there.. – About to close on our dream house in the next two months. Ou…

Auto loan help, advice for first time buyer So im not really too sure how the auto loan world works. I usually buy beaters for $3-$5k but my current beater is giving me issues and I just wanna stop having to deal with this. My credit between the 3 bureaus is 626-684-700 with Experian being the 626. I have my main bank which is navy federal and also USAA accounts but my navy federal is whe…

Can I maximize my foundation repair bill? Short of it is: I spent approx $21,000 to put 7 posts under my house to keep it from sinking on one side. Pretty important, but boring stuff. Can I use this massive expense in a tax-advantageous way to lessen at least some of the expense of homeownership? Thank you in advance for your knowledge. submitted by /u/jmmerphy

Pay off half or all of vehicle? So we are expecting to sell our house and have a sizable amount of equity coming our way ($70,000). With that being said, we were planning on completely paying off our last remaining vehicle with the proceeds. My question is, should we pay off the total amount of $43,717 or pay it half off, refinance it, and put that money in the market? Or is t…

0% LT Cap Gains Taxation? As I’ve been absorbing info in the various reddits, I’ve put together a thought from various input that I don’t think I’ve seen laid out quite as plainly… In order to retire early, specifically if you can’t take advantage of the Rule of 55 for 401(k)’s, would it be a viable option invest in brokerage accounts leading up to that early retiremen…

Emergency fund calculation? Do you include student loans and credit card bills? How do you calculate your emergency fund when you pay 90% of your bills via credit cards? I guess my first question is, in an emergency, would it be in an emergency like a job loss, does it make sense to continue to pay credit cards in full (if you have money to do so in your emergency fund specifically) or is it more prudent to pay the minimums…

Solo 401k, SEP IRA, or private brokerage for extra retirement? I have a 401k through my employer, but also have a small private practice that allows me to open a solo 401k or SEP IRA. I’ve maxed my contributions to my 401k and Roth IRA. I also have a small brokerage through vanguard. Because of my income, I need to put some extra money away for retirement. Which option is best for an extra 5-7k/year? Is th…

My grandma owes on her car but wants to give it to me My grandma has health issues so she can’t drive and I need a car so she discussed giving it to me but she has a loan on it. Can I get a loan on my own to buy out her loan or how does this work? Is 8k left on it and I don’t have that much outright, but I need a car I don’t have time to save. Advice? EDIT; 2017 Nissan Rogue Sport 45k miles, looks …

Why Google’s 4th Quarter Results Raise Questions for SEO & PPC via @sejournal, @martinibuster Panel of 6 search marketers share why Google’s Q4 2024 results may reflect shifts in user behavior and underlying instability The post Why Google’s 4th Quarter Results Raise Questions for SEO & PPC appeared first on Search Engine Journal.

Hackers Use Google Tag Manager to Steal Credit Card Numbers via @sejournal, @martinibuster Hackers are using Google Tag Manager to load malware into Magento sites, stealing credit card numbers during checkout The post Hackers Use Google Tag Manager to Steal Credit Card Numbers appeared first on Search Engine Journal.

Key Elements Of Technical SEO For Large Companies via @sejournal, @TaylorDanRW Discover the essential technical SEO elements and learn how to navigate complex systems and infrastructure to drive impactful changes. The post Key Elements Of Technical SEO For Large Companies appeared first on Search Engine Journal.

How much of a financial risk is it to quit my job and move cross country? Best path for doing so? Early 30s Project Manager thinking about quitting my job after I get my summer bonus and moving across the country. I have been incredibly defeated and unfulfilled in a previously satisfying role for over a year due to re-orgs and process changes. I do not believe this will improve and do not have faith in leadership to help my situation if I a…

Roth 401K plus Roth IRA I am 39 and finally hit a point where I can max both a 401K and IRA. I just got an 18k/yr bump and I’m saving every bit of it. It’s going to bring my current contribution levels up to max w/ enough left over to keep the HSA looking healthy. My understanding is that the benefit of Traditional IRA/401K’s is you can invest more money now thanks to …

Elderly mother victim of scam Happened earlier today, and I’m teetering between anger, sadness, and utter shock. My elderly mother received an email from PayPal’s fraud department alerting her to suspicious activity on her PayPal account. She called the number from the email, and after a lengthy conversation with the “PayPal Fraud Rep” on the phone, the rep managed to convin…

58 y/o, minimal investments but significant savings. How do I get her to retirement? Hello, I’m here looking for some advice and just to bounce some ideas off of people. I’m currently trying to do some retirement planning for my mom and (similar to many immigrants in the US) she knows little to nothing about investing but is incredible at saving so she has a ton of cash. Here are the highlights: – 42K in a traditional IRA – 15K…

Personal loan or credit cards first? Have two cards one $5k and the other $4k on them right now at 29%. I have a personal loan that I pay $355 (23%) on every month. There is $2900 left on the loan and have enough to pay it off (one year left for pay off). Interest on pay on both cards a month is around $300. Should I pay the loan off to free up an extra $355 a month or tackle the c…