New Post: Taxing Capital Gains: Current Law and Some Interesting Proposals fischfinancial.org/2024/08/27/t...#FischFinancial (Note: Most of this is factual, but at the end it includes my opinion. Feel free to skip that part.)
There has been lots of chatter lately about some proposals around changing how we tax capital gains, and especially around a proposal to tax unrealized capital gains. This is due to the Harris/Walz ca...
New Post: Colorado PERA’s Signal Light Report fischfinancial.org/2024/08/07/c...#FischFinancial
Colorado PERA is required by the state legislature to submit various reports on a variety of topics. One of these is the annual Signal Light Report (2024 Report PDF, based on 12/31/23 valuation), whic...
New Post: Salary Schedule Lanes: Your Million Dollar (or two or three) Decision fischfinancial.org/2024/06/16/s...#FischFinancial
Many school districts have a salary schedule for teachers where your pay increases based on a combination of the number of years you have taught in the district ("steps") and the educational level you...
New Post: Invest Half Your Raises fischfinancial.org/2024/06/16/i...#FischFinancial
In the financial literacy class I teach for educators we frequently talk about the concept of "paying yourself first." Think of "yourself" (or your future self, if you prefer) as an expense that you h...
New Post: Coloradans Can Buy a Used Tesla Model 3 for as low as $13,000 fischfinancial.org/2024/06/14/c...#FischFinancial
Yeah, I know, I write about EVs a lot for a blog focused on financial literacy for educators. Part of that reason is because of the climate emergency we are presently in that I think we should all be ...
New Post: Rebooking Southwest When the Fare Decreases fischfinancial.org/2024/05/28/r...#FischFinancial
We don't fly all that often but, when we do, it's usually on Southwest. Like any airline, there are good and not-so-good things about Southwest. One of the good things is how easy they make it to chan...
New Post: Aurora Public Schools Single-Vendor 403b Plan: Is It The Best Choice? fischfinancial.org/2024/05/25/a...#FischFinancial
I've written before about 401k, 403b, and 457b retirement plans and the similarities and differences between them. Unfortunately, many school districts offer some truly horrible 403b plans (listen to ...
New Post: Interest Rate Matters fischfinancial.org/2024/05/09/i...#FischFinancial
I continue to come across a surprisingly common misconception when I'm talking to people about finances and/or teaching my class. The misconception arises in the context of paying down debt and where ...
New Post: Paying Your Property Taxes with a Credit Card fischfinancial.org/2024/05/03/p...#FischFinancial
Our 2023 property taxes on our house were due in April. As I've written about previously, property taxes in Colorado are actually very low when compared to other states, but that doesn't mean they are...