Celodurismo
Celodurismo t1_jaexhg1 wrote
Reply to comment by Houlio599 in VFIAX Transaction fee through Charles Schwab? by Houlio599
You should take another look at the transactions screens too, somewhere along the way when you were buying the fund it definitely told you there was a fee, but you must've missed it. So figure out where that information is so you can look for it next time.
Celodurismo t1_jaeez0w wrote
Growing ~4% isn't nothing and it's a hell of a lot better than putting this into the market and potentially not having it next year when you need it.
HYSA, money market funds, CDs are your options
Celodurismo t1_jaeep1i wrote
Reply to Vanguard Target Funds sound safe but seem risky because of the high stock percentage by Late_Following8526
>Vanguard Target Funds have *way* less than your age in bonds
Cause "your age in bonds" is a way to simplify it for people doing it themselves.
Target funds will not increase their bond allocation so linearly. You're young, you don't want your funds tied up in bonds. Hell, many people recommend identifying the correct target date fund for your retirement, and then adding another 10 years to it to keep it from overallocating bonds too quickly.
Celodurismo t1_jaee4qd wrote
>Should the company have cut separate checks for severance and leave encashment? I believe the severance and leave encashment are being recognized as bonuses and taxed accordingly.
They can do that, or they can lump them together. It's their choice. Lumping them together benefits you in that while you pay extra taxes now, you won't end up owing taxes.
This happens with bonuses too. It's annoying, but you'll get some of it back when you file your taxes. You have no options here.
Celodurismo t1_j6owe2m wrote
Reply to comment by This_Neighborhood511 in Down payment refund on car by This_Neighborhood511
>once I get the paperwork
Bro you got the paperwork already, they gave you a copy when you got the car. Did you get rid of it?
Celodurismo t1_jebuffe wrote
Reply to comment by GuidanceParticular42 in Is reskilling / starting a new career worth it in my situation? 30 years old. by GuidanceParticular42
Checkout OMSCS if you haven’t already. It’s an affordable online MS from GT. No other program has the variety of classes at such a low price, not to mention a great reputation. With a stem BS you shouldn’t have too much trouble getting in. May have to take a prerequisite (DS&A) to improve your chances.
I’d avoid the post bacc path just because of their crazy prices. Definitely avoid bootcamps.
You’re in a rough position because you really need income. I’m tempted to say go bartend part time and do OMSCS “fulltime”. In two years, possibly less, you could be on your way.