Not when the person who created and named the format, also specified how the acronym was pronounced.

That’s a damn good match. If it’s a state hospital, they are probably giving that much because this is in lieu of funding a traditional pension. Is this a 403b or 457b? Or is it a grandfathered in 401k?

Just make sure you’re not overcontributing if you have two 401ks going! You’re still only allowed to contribute $19,500 (or $26,000 if 50 or older) between both of them. But since neither company knows what you have contributed to they other plan, they are not going to know when to cut you off.

Mine have dropped in value too, but they were REIT indexes, which had a mix of commercial and residential. One was US-based while the other was global, and the global one has definitely taken a bigger hit. But both still have good yields.

It’s set up like that because “sweat equity” absolutely has a value. But it’s almost impossible to compute. So if you’ve already put in your $6k/$7k into your IRA this year, and then you do work on a property that’s held by the IRA, then you have just over-contributed to your IRA. That means you’re subject to the 6%…

It could happen if your investments do really, really well. But the #1 reason people find themselves in a higher tax bracket later in life, is the death of a spouse. Once that happens both spouse’s accounts become the property of the surviving spouse, and that can make the RMDs for the survivor shoot up.

You left out one potential option. If you’re not already maxing out your annual IRA deposits, a Roth IRA can be a great place for your emergency fund. A low-cost index fund will give a better rate of return than you will get in a bank, and if you need the money you can withdraw up to the amount you deposited tax free…

He also said gas, which I think is cheaper than oil. I’m also in upstate NY and I keep my thermostat at 69 in the winter (24 hours a day) and my gas is $60/month. But my house is only 1100 sq ft. Less than half the size of yours. I do have a full basement, not included in that, but only half of it is finished and…

“I doubt many people renting homes have a mortgage with PMI so that’s out, I’ve always had to pay my utilities so that’s out, and I’ve rented plenty of places that made me do the yard work.”

“The bank will let you buy a $500k house with 100k down. Now, maybe you dont make as much money on a house. You only make 6% annually. And you have to pay a 3% interest rate. That means at the end of year one you would have 30k appreciation - 15k interest. You made $15k on your investment, rather than $8k from just…

Yep. It’s called the Streisand effect, and it’s very real. It will actually draw people to your address to see what the big deal is.

In New York State every salary and/or pension for every public employee in the state is public information that you can file a FOIL request for. No matter the salary. Even if you’re just a teenager working as a lifeguard at the city pool for the summer.

“Cops make bank, though.”

The girls are not in danger of becoming homeless. Ms. Kelly is just dating their father, but not living with him. The parents share custody and the dad uses his girlfriend as a babysitter. So sometimes the mom just cuts out the middleman and drops the kids off at the girlfriend’s apartment.

It probably was stolen, which is why the driver was willing to risk so many more infractions to avoid the stop. As others mentioned, the smell of weed by itself is not sufficient to perform an unauthorized search, but seeing the driver smoking is enough for a stop and sobriety check. I’m assuming the driver rolled…

“Well, sometimes it’s just not feasible to put your reaction vessel directly on the scale, especially if it’s attached to a stand mixer.”

Oaks, with their acorns aren’t bad. Honestly the birds and squirrels take most of them away, and what’s left is mostly the caps that just becomes mulch for the grass. And they don’t attract bugs like fruit trees. After having two pear trees, one apple tree, and one non-bearing cherry tree in my back yard, I would…

It’s like that old joke about why Scotsmen wear kilts.

Came here for the xkcd reference.

“Because . . . cats!”