No you don't. Its only for filing you have to be accurate. Its always best to get a refund vs pay. My Salary and income varies quite a bit. But increasing your dependent by 1 will help, and add or subract each year depending on how much you need to pay or get back. If you have not enough taken out you could get penalized. I always shoot to get back $1000.

Increase the number of dependents to have less taxes taken out. I would increase it by one and see how the year ends up.

So interest rate and length of time is way to high. This is not a good deal. Sometimes putting 1/4 down on a vehicle can lower your interest rate down dramatically. Also, it is possible to become upside down on a loan, so I would not take a auto loan out for more than 48 months.

Well keep on paying off debt to become free. I would see if I could borrow a car from a family member until the debt is paid off, or get a car from one who is looking to upgrade.

For them yes. What is your partner doing to improve her credit? I hate to say it but some people never learn about money and finances and it is beyond them. In such cases, a lot of times it is cheaper in the long run to buy them something simple and let them have it, vs financing. Never give them money directly.

Consider acquiring a used car with cash. Your partner has bad credit, if they get a car on credit their interest rates will be close to 23% and you will likely be bailing them out.

It would be worthwhile to take care of housing first. I'm concerned about your partners low credit score. It would be best, if your credit is good to go for housing alone if your income is good enough. Getting housing with no debt will help. How is your car? Can you share a car for awhile?

Issue I see is that management is not use to it and would forget you paid the rent since everyone else is month to month.

However, it worked out for Howard Hughes who built the Spruce Goose. He paid 50 years rent upfront for a warehouse to store it in long beach.

I did this. I had a home office that was in my bedroom. However, I could only claim about 100 sq ft of a 300 sq ft bedroom for business. You can also divide the square footage of the space by the total house and claim a percentage of utilities as well. For me I kept track but I ended up doing the standard deduction.

I would not take a volkswagon to a honda dealership for repair. I would take it to a mechanic ( independent ) that deals with VWs. It's just that honda mechanics rarely work on VWs.

You cannot sell right away. You will need to hold a couple weeks for the brokerage to get and release the shares.

Also during blackout periods you cannot sell. Usually black out periods are about the quarter of the time but it varies on the company.

Yes. The other period is blockout period where you cannot sell shares. Usually this period is aligned with earnings or a big company announcement that might be known internally so they will not let you trade during that period.

Our company last year had bonus's they handed out to help stop the bleeding, and on the back side. They only gave meager raises to employees.

There is a lag on when can sell them. Companies will give you a windows on when you can sell the stock. Usually the trading window is blocked before earnings. It takes usually a week or 2 before the period of ESPP ends and before you have the shares to sell. It is possible for the stock to go down in that 2 week period, so there are NO guarantees. I always do ESPP when I can because it is a good investment long term, as long as they company is solid. I usually hold for over a year to reduce my tax burden.

You will be house and car poor. 1/8th your gross income on mortgage and 1/8th your income on car+car insurance. That should be a budget that should allow you to 15% your income for 401K

It matters on out of pocket costs for the year. For a PPO plan, I pay $770 a month next year, and HDHP is roughly $650 a month for family plan. PPO pays 100% after $2000 spent in network for family and $1000 per person. $250 per person and $500 per family is the deductable. HDHP is $2500 and $5000 before they cover 100%

I should also say this is our costs and not the full plan costs. Cost of my PPO plan is $18000 a year but my employer picks up 2/3rds the cost.

We use PPO + FSA instead of HSA.. We have a family and healthcare expenses can get high. Also PPO + FSA covers 90% while HSA covers 80% so for us PPO is better. I can see for a single person that is healthy HSA would be beneficial, then if you start to have multiple health issues switch to a PPO the next year.