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Just had the business I own valuated at around 1.2 million. Trying to decide if I should sell. Just curious what folks here think and what they could do with 1 million in a lump sum. It's my only income right now, and I've mostly been reinvesting profit to grow the business these past 3...

Forgive me if I struggle to phrase this properly but I was hoping to get a bit of help on what the implications are when selling the stock from my employee stock purchase program. Meaning I vaguely recall that there are penalties if you dont hold it a certain amount of time but I could use a...

I am not doing the clunker program, but I am starting to think about my next car. I was wondering what the folks here did when the time comes to get a different vehicle. Meaning, do you buy new or used? Pay cash or finance? Lease or own? I'm also trying to work out what a reasonable amount...

I did a quick search and didnt find anything already discussing this. I've just now started an HSA at age 38. I was wondering if there are any estimates on what I can expect to spend on healthcare after retirement? I understand they would need to be averages and highly subjective based on...

I'm trying to get a grasp on exactly what this entails now that my megacorp is doing open enrollment. My basic question is: do people here take advantage of this? We're in good health but I'm concerned about bring "safe" and fearing change when it comes to health insurance, you know? The...

I'll try to keep this very to the point but please let me know if more information is needed to give an opinion: ESPP: -Can use up to 15% after tax salary. -Buys are made each quarter and are bought at a 15% discount -Immediately vested, can sell stocks at any time. 401k: -T Rowe Price...

I'm getting this question a lot. I'm no financial guru but I do pay a fair amount of attention to the topic. So be honest, am I staggeringly naive to not be overly concerned about all this? I'm 37, have a hefty mortgage, a small HELOC an excellent combined income and most of my personal...

I noticed Pentagon Federal Credit Union mentioned several times and I was hoping to get a quick primer on them from anyone who has experience. I'm looking to refinance my home mortgage and was curious why so many here seem to endorse Pen Fed. Is it the rates or security or ... ? Finally, my...

I just wanted to hear some opinions on this. I heard the analogy and it rang true but I'm not sure if it's one of those things that sounds good but upon closer inspection is either too simplistic or outright false. Thoughts?

Stock is offered at a base price of 37.41 which is a 15% discount off the stock as of May 30th. Currently trading at 41.16. They buy quarterly. I am 100% vested when they buy and they dont buy if it's below the offer price. Note this runs 18 months. Last time around I contributed 15% of my...

So in gaming out how I want to proceed, the thought occurred to me that I can continue the corporate job for X amount of years then transition to a less demanding but less lucrative job for a while before fully retiring. Is this a common strategy? I guess an example would be the best way...

I realize this is very subjective but I'm trying to get an idea of where I'll be and I'm not sure what numbers are safe to plug in to investment calculators. Generally speaking over say a 20 year period investing in a 401k mutual fund, the 5 and 10 year returns on the funds I'm in are in the...

I'm going to pose this question verbatim how it was asked of me by my younger brother. I dont know his financial details but he is single, 30, and rents currently. He has a good job but I dont know his income or how much he has in his 401k. His question: I really dont know the answer. I've...