Moving from central Illinois. Got a job offer today for a company in Englewood. First year salary will be 85,000 (73,000+12,000 sign-on). Realistically, after taxes, I've calculated my first year take home to be ~60,000, after which (if no raises or bonuses, only riding my salary) take home will be ~55,000. Not sure on the accuracy of that, just used smartasset.com. Source: 7 months ago

That is ordinary income taxes. If it was qualified I’d pay $0 on first $81,000 I make. You can calculate taxes with smartasset.com . Federal taxes are pretty low on mere mortals. The rich really do pay their fair share. Source: 12 months ago

I use smartasset.com Good tax calculator. Assume $100,000/ yr from JEPI/JEPQ. Married filing jointly I get effective Fed rate of 8.48% with $8481. My state is listed as eff rate of 4.87% or $4868. No FICA of course. Taxes total about 15%. Big deal. Now if you have $300,000 in dividends I would either go with qualified dividends or long term gains rate on selling shares. Source: about 1 year ago

Net (w/taxes etc): $70,000 (per SmartAsset.com) breaks down to $5,000/month net ($2,500 bi-weekly). Source: about 1 year ago

I'm not cherry-picking here. I'm picking out random cities, typing them into smartasset.com, and typing out the results as they come. Source: about 1 year ago

If your sister carries a balance month to month on her cards, she’s not using her cards responsibly and you definitely do not need her scores dragging yours down, family loyalty and all. Join Experian.com and creditkarma.com for free, to keep track of your credit reports and FICO 8 score (Experian). Source: about 1 year ago

It could be your moms, I know one of my moms credit cards from 1987 (when I was 2) shows up on mine. But I highly doubt 8 accounts are there. creditkarma.com is another place you can quickly check. Source: about 1 year ago

You're correct that the 795 score is based on Vantage 3.0. I got it from creditkarma.com and it says as much under the scores. Source: about 1 year ago

The big 3 credit agencies are scum. Do not pay them. You DO NOT need to pay them. It's free to freeze your credit (https://www.nerdwallet.com/article/finance/how-to-freeze-credit). It's free to check your credit (www.AnnualCreditReport.com). It's free to monitor your credit (creditkarma.com). Don't give them your money. Source: about 1 year ago

He can also get an approximation of his score via creditkarma.com. It won't be the same one that the landlord will use but it'll give you an idea of the ballpark he's in. Source: over 1 year ago