smerka member

Here are my thoughts if anyone cares. First the government makes you takes RMDs from 401ks and traditional IRAS, because they are tax deferred, not because they want to tell you when to take out your… (View Post)

I would replace it now. Water heaters are supposed to Have some maintenance done yearly, namely clearing that valve. Now that we have kids, we use a lot more hot water between the dishwasher and show… (View Post)

I really like Vanguard. They don't have offices (except in AZ) but you can talk to advisors over the phone. As a result, many of their funds have really low expenses. If you have more than $10,0… (View Post)

Well first you need a new accountant. I could see you losing the Earned Income Tax credit, but the Child Tax Credit does not phase out until a pretty high income. And EIC goes away once a MFJ couple … (View Post)

First of all, you either don't understand how the tax penalty is calculated or you make $90,000 a year. And if you make $90,000 a year, you have a spending problem and/or a priorities problem be… (View Post)