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#52 - The Best Way to Manage Your Stimulus Check and the Future Impact on the Budget
Let’s take a scenario and say a family of four is making under $160,000 AGI. This means that $5,600 ($1,400 per person) will be sent out.
David Mulonas
Mar 28, 20217 min read


#51 - The Netflix Show Marriage or Mortgage: We Provide Finance Tips and How to Manage the Budget
People want the wedding and the house for the future. The wedding is a one-day event that will be in memory for years to come.
David Mulonas
Mar 22, 20216 min read


#50 - Relationships, Personal Finance and Divorce. When is the Right Time to Discuss the Budget?
Here's one golden rule: Never judge a book by its cover or one's net worth based on the car he or she may drive.
David Mulonas
Mar 15, 20218 min read


#45 - The 401(k) and the Roth 401(k) Review
The max contribution for the 401(k) and the Roth 401(k) is $19,500 yealry. If you're over 50, you can add $6,500 in catch up contributions.
David Mulonas
Feb 8, 20218 min read


PFT #8 - Personal Finance Tip of the Week: Realized Capital Gains and Losses From Stock Ownership
For most assets the capital gain tax rates that are held for less than a year, are treated as ordinary income as if you earned a paycheck
David Mulonas
Feb 3, 20212 min read


#43 - To Trust or Not to Trust: How to Protect Your Investments and Your Estate
Trusts supersede a will when there is discrepancy. Most attorneys recommend that you have a will and a trust for backup protection.
David Mulonas
Jan 25, 20216 min read


#42 - How to Get Employer Health Insurance When Having a Domestic Partner or a Civil Union
A domestic partnership is when two people live together and are involved in an interpersonal relationship living as if they're married.
David Mulonas
Jan 18, 20215 min read


Podcast #41 - Are You Ready for a Big Move Into the Tiny House Movement?
A tiny house is defined as a dwelling unit with a maximum 400 square feet of floor area, excluding lofts.
David Mulonas
Jan 11, 202110 min read


PFT #3 - Personal Finance Tip: FSA Funds - Use Them or Lose Them
If you don’t spend your FSA money by January 1st your account value will go to zero dollars. So stock up on supplies to use that money
David Mulonas
Jan 1, 20212 min read


Podcast #3 - 401(k) Withdrawals and Loans
When you take a 401(k) withdrawal, you'll face a 10% penalty if you're under the age of 59.5 years of age
David Mulonas
Oct 25, 20207 min read


#24 - What is Debt-to-income Ratio and to Use it When Purchasing or Refinancing a New Home
DTI is used as a measure for loan approval. We'll this explain simple calculation to be prepared when applying for a mortgage or refinance.
David Mulonas
Sep 15, 20205 min read
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