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Nice Joy

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General Finance
Minimalism, investing, TSP, FIRE
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Gilbert, Arizona, United States
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DIK (Dual Income, Kids)
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Latest Blog Posts

Most of us are confused about these two terms.  I was…..Here is a link to visual illustration to explain the differences. Tax deduction vs tax credit In the above example, I calculated tax based on “Married filing jointly status”      Most common tax credits Earned Income Tax Credit American Opportunity Tax Credit Child and Dependent … Continue reading "Tax D​eduction VS Tax Credit" The post Tax D​eduction VS Tax Credit appeared ...
Posted: Feb 09 2018 @ 12:23 AM
IRA Limit  for  55 and younger  5,500 IRA limit for 55 and older     6,500 Three kinds of IRA to choose from, based on your eligibility. 1  ROTH IRA    [No immediate tax benafit] Contribution faces out after AGI 189,000 for married filing jointly and can’t contribute if AGI is more than 199,000. Contribution … Continue reading "IRA Limits and Eligibility 2018" The post IRA Limits and Eligibility 2018 appeared ...
Posted: Jan 12 2018 @ 3:08 PM
If your 2018 property taxes are assessed, then paying those before 12/31 will let you deduct that amount when filing taxes in 2017. If you wait until next year, then you may not be able to deduct it as your standard deduction is going to be way higher by then. For example, if you owe 5,000 … Continue reading "Should I​​ Pay 2018 Property Tax Now" The post Should I​​ Pay 2018 ...
Posted: Dec 28 2017 @ 10:17 PM
  Note taxable income is calculated by deducting IRA, 401K, 403b, HSA, medical and dental premiums and standard deductions from your gross income [Assuming your total deductions are less than standard deductions] MARRIED INDIVIDUALS FILING JOINT RETURNS AND SURVIVING SPOUSES. TAXABLE INCOME                             … Continue reading "Tax Brackets 2018" The post Tax Brackets 2018 appeared first on Curry-Finance. ...
Posted: Dec 28 2017 @ 4:47 PM
  Heare is the link to the final tax bill signed by president Trump   https://www.congress.gov/115/bills/hr1/BILLS-115hr1eas2.pdf The post Final Tax Bill 2018 appeared first on Curry-Finance. ...
Posted: Dec 28 2017 @ 1:59 PM
We do a lot of shopping these days especially during the holidays like Christmas. The more you buy, the more taxes you pay which can be huge if you are a typical American consumer. Most of us spend around 8% in tax for the stuff you buy unless you live in the states like Alaska that don’t make you pay … Continue reading "Pay No Tax When Shopping Online" The post Pay No Tax When Shopping ...
Posted: Dec 18 2017 @ 1:35 PM
There are three options. Single payment Monthly payments Life annuities   Single payment You can withdraw your entire TSP account balance in a single payment. You may roll over to investment firms like Vanguard for more flexibility, but you will be paying more fees.Monthly payments. Two ways to do this. Monthly payments computed by the … Continue reading "TSP Withdrawal Options After Retirement" The post TSP Withdrawal Options After Retirement appeared ...
Posted: Dec 07 2017 @ 4:47 PM
  Try Amazon Prime 30-Day Free Trial Shop Amazon – Give the Gift of Amazon Prime Amazon.com – Read eBooks using the FREE Kindle Reading App on Most Devices Join Amazon Kindle Unlimited 30-Day Free Trial AmazonFresh Shop Amazon – Used Textbooks – Save up to 90% Shop Amazon Outlet – Clearance, Markdowns and Overstock … Continue reading "Amazon Products Worth Considering" The post Amazon Products Worth Considering appeared first on ...
Posted: Nov 28 2017 @ 12:08 AM
          Are you wondering if you are going to benefit from the new tax reform? Here is a tool to find out. First, from your gross pay deduct Nontaxable wages   [Dental, medical, HSA, Uniform allowance etc] Tax-deferred wages    [401-k, 403-b, TSP contributions] This calculation will give you Taxable income.   … Continue reading "2018 Tax Reform, What it means to you?" The post 2018 Tax Reform, ...
Posted: Nov 23 2017 @ 7:22 PM
Tsp charges you very lower fees compared to any other investment firm. Higher expenses are a massive drag on your investment return. Here is an example Let’s assume that you have 250000 invested, adding 18000 yearly and expecting an 8% gain. Tsp charges you 0.038 % of your account balance/year while the other firm charges you … Continue reading "Number one reason to keep your money in TSP" The post Number one ...
Posted: Nov 22 2017 @ 1:16 PM


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