Idaho Pension PERSI – Why does it not sound as good as it seems? I just got a new job with the state of Idaho. I took a slight pay cut but feel in the next year I will be back to my same take home pay due to the health benefit for the family being so good (once I get a raise). The issue I am having right now is the pension plan. I contribute 7%. My employer contributes 12%. I looked at the equation for retire…

Sibling Turning Into a Dependent My brother is 68 (I’m 65), seems to earn next to nothing, and seems headed toward being dependent on me for life. He’s in Ontario Canada. I’m in the U.S. His pattern is to say nothing until he’s about to be evicted and to then ask me for money. He did that last year. When I asked by how much his expenses exceeded his retirement income, he respon…

First job out of college- how to pay off debt I graduated from a four-year university and currently have about $27,000 in student loans. I’ve been employed for a few months now and have started contributing $500 to my individual brokerage account and another $500 to my student loans using the debt snowball method. However, the minimum payment for my student loan account is approximately $16…

40 and trying to catch up Hi there! I am turning 40 next month and am feeling very behind in savings. I spent my 20s bouncing around a lot and working mostly service and freelance jobs. At 33 I finally found a career that I enjoy, provides good work life balance, and some feeling of security. I work at a large state University which provides a pension and great retiree h…

I’m an idiot. Rolled my 401(k)s into my new employers plan and regretting my decision. So, as the post heading says, I am an idiot and do not know enough about personal finance. The least I could’ve done was a cursory search of Google or Reddit before I made this decision but alas, here we are. I had multiple 401(k)s out there from past employers and decided it would be nice to have them all in one place. The old 401(k)s were at P…

11 SEO Tips To Boost Your Restaurant Visibility In Search via @sejournal, @coreydmorris Looking for ways to boost your restaurant’s visibility online? Check out these 11 proven SEO strategies to increase your online presence and attract more customers. The post 11 SEO Tips To Boost Your Restaurant Visibility In Search appeared first on Search Engine Journal.

Roth vs. traditional IRA & HSA I am 63. Everything is paid off. I am still working. I have traditional IRA ( with IRA CDs), Roth IRA , HSA, and savings including CDs. I was hard headed due to higher interest rates, focused on CDs and maxing out IRA & HSA, with my least focus on Roth. Is the case for Roth that since withdraws not taxed, my focus should be on Roth first? Should…

Can’t figure out if I have a HSA Hi all, I opened my Roth Ira(target date fund) this week and funded for 2024, will fund for 2025 soon. I understand that I need to take advantage of all tax free retirement accounts before I go to a regular brokerage account and voo and chill lol (I learned a lot these last few days) I have no 401k – employer doesn’t offer one Now I can’t figu…

SEO Keyword Research: 18 Of The Biggest Mistakes You Must Avoid via @sejournal, @sejournal Don’t overlook the importance of SEO keyword research. Learn about common mistakes to avoid and how to prioritize search intent for better results. The post SEO Keyword Research: 18 Of The Biggest Mistakes You Must Avoid appeared first on Search Engine Journal.

How much rent is too much? Apartment hunting and could use some advice on if one deal makes sense over the other. For reference my gross monthly income is 5272 and my take home is 4068. I understand that the goal is rent be no more than 30% of your gross income. But looking at things annully theres not much of a difference. Im looking at two apartments; Option 1: $1400/mo…

A financial question with minimalism in mind I would like to start by stating how grateful I am for my situation, as I know many are not so fortunate. I’m 27 years old, and my lovely fiancé and I are about 6 months from having the rest of our student loans paid off. We have an incredible income (I’m an ICU PA-C, and she’s a social worker) and we gross about 185,000 annually before taxes. …

Google Shows How To Fix LCP Core Web Vitals via @sejournal, @martinibuster Expert from Google’s Chrome team shows how to fix LCP scores. LCP will never feel difficult again The post Google Shows How To Fix LCP Core Web Vitals appeared first on Search Engine Journal.

Selling double trigger RSUs Hello, I’ve been working for a private company for the past few years. As a part of my compensation I am receiving a double trigger RSUs. Triggers are vesting period (already finished) and company acquisition/IPO (not finished, they plan to do that in about 3 years) I’m no longer interested in the future of this company and I would like to cach …

Seeking Advance on Long Term Portfolio Strategy Hi all, I am a 23 year old who lives at home and has about $60,000 saved up, 10k in a MMF and the rest ready to invest. I’m a 1099 hence the SEP IRA. Would really love some feedback on my strategy. It’s purposefully high risk as I’m young and want to maximize long term returns, less concerned about volatility. I do not believe crypto is an inves…

Prior year HSA contributions If you have a HDHP in 2024 but not one in 2025 can you make a contribution to your HSA characterized as a 2024 contribution between 1/1/25 and your tax filing deadline? Assuming you are still under the contribution limit for 2024. submitted by /u/Aggressive-Leading45

How To Leverage GA4 For The Analysis Of International SEO Strategies via @sejournal, @gemmafontane Maximize the effectiveness of your international SEO strategies with GA4. Analyze key metrics and dimensions to refine your approach and drive better results. The post How To Leverage GA4 For The Analysis Of International SEO Strategies appeared first on Search Engine Journal.

Question about retirement accounts Hey everyone, Today I set up my first real retirement account with my employer through fidelity. I don’t recall choosing my account type but fidelity asked me how much I would like to put toward my Roth and how much I would like to put towards my 401k, yet I can only find one account on fidelity with the correct employer. I’m just really confus…

Moving back in with my parents I’ll make this very concise, I am 19f and moved out in September of 2024 and now I want to move back home. My rent is $1570 for a one bedroom, plus utilities which are about $60 every month. My car note is $530 and I buy groceries, pay for gas, have 3 credit cards and also have a cat lol. The bills are starting to pile up and I’m finding it so h…

How to allocate bonus money? Hello! I am expecting to receive a $15K bonus come February, and im trying to figure out the best way to allocate. My wife and I currently have: $3K in credit card debt $13,000 owed on 1 car ($245/month payment) $12K in low interest federal student loans (currently not paying on IDR plan). $1K in emergency fund $35K in retirement 401K/Pension…

HSA Provider bumped my individual limit to family, I’m single I accidentally over-contributed to my HSA in 2024—$250 over the individual limit of $4,150. I reached out to my HSA provider to ask how I could either get a refund or roll over the excess to 2025. To my surprise, the agent simply changed my contribution limit to $8,300, which is the family limit! I kept questioning if this was even legal since I…