Posted on July 30, 2023 in Guide
Adjusted gross income (AGI) is a calculation used by the Internal Revenue Service (IRS) to determine your taxable income. It is calculated by taking your gross income and subtracting certain deductions and adjustments.
To calculate your AGI, you will need to gather the following information from your tax return:
Posted on July 29, 2023 in Guide
Evaluate an engineering offer's RSUs, restricted stock, options, or phantom stock by modeling vesting, liquidity, tax timing, and concentration risk.
Posted on July 25, 2023 in Guide
A target-date fund is a simple way to own a diversified retirement portfolio that becomes more conservative over time. It can be an excellent default, but the year in the fund name is not enough information to decide whether it fits you.
The SEC notes that funds with the same …
Posted on July 23, 2023 in Guide
The 5-fund investment strategy is a variation of the 3-fund and 4-fund strategies that adds a fifth fund to the mix: a real estate investment trust (REIT) fund. REITs are companies that own and operate income-producing real estate.
Adding a REIT fund to your portfolio can help to further diversify …
Posted on July 21, 2023 in Guide
A 4-fund portfolio adds an international bond fund to the familiar U.S. stock, international stock, and U.S. bond structure of a 3-fund portfolio.
That extra fund can broaden bond exposure, but it is not automatically an improvement. The right question is whether the additional diversification fits your allocation …
Posted on July 19, 2023 in Guide
A 3-fund portfolio is a simple way to own broad exposure to U.S. stocks, international stocks, and bonds. It is not a magic allocation or a promise of returns. It is a framework that makes diversification, cost control, and rebalancing easier to understand.
For a remote engineer with a …
Posted on July 17, 2023 in Guide
Build a durable long-term investing system with goals, cash reserves, a diversified allocation, automatic contributions, and a rebalancing rule.
Posted on July 16, 2023 in Guide
Amazon FBA is another side hustle you can do in your spare time.
Fulfillment by Amazon (FBA) is a service that allows sellers to outsource their product fulfillment to Amazon. This means that Amazon will store, pick, pack, ship, and provide customer service for your products.
If you're thinking about …
Posted on July 06, 2023 in Guide
Shein is a popular online retailer that sells a wide variety of fashion items at affordable prices. If you are a seller on Amazon, you can use Shein to source products for your Amazon FBM listings.
To use Shein with Amazon FBM, you will need to create a Shein account …
Posted on July 02, 2023 in Guide
In today's digital economy, programming skills are in high demand. With the right skills, you can land a high-paying job in a variety of industries. If you're looking to boost your earning potential, learning one of the most profitable programming languages is a great way to start.
In this post …