@kohlspowrshopper Thanks, I will calculate the exact “one-half of self-employment tax” when I file. So for an ordinary IRA (I am not talking SEP or SIMPLE or other similar plans, such as Solo 401(k), Keogh, etc.) my max deduction is Net Profit - “one-half of self-employment tax”, and I think the rational for this could be that “one-half of self-employment tax” is already deducted once from Adjusted Gross Income (AGI) prior to IRA deduction?

Also, another BIG confusion is between 2 terms Net Profit and Net Earnings (Line 6 of Section B—Long Schedule SE (Part I - Self-Employment Tax)). Net Earnings is obtained by multiplying Net Profits by 0.9235. So your calculation for $3,000 Net Profit should be amended as follows:
$3,000 x 0.9235 = $2,770.50 (Net Earnings)
$2,770.50 x 6.2% Social Security = $171.771
$2,770.50 x 1.45% Medicare = $40.17225
One-half of self-employment tax = $211.94
So my max IRA deduction is NET PROFIT - “One-half of self-employment tax” and not NET EARNINGS - “One-half of self-employment tax”. I this a correct understand of the terms?

If my self-employed profit is $3,000 (as an example) and I pay $100 (as an example) for “one-half of self-employment tax” – then what would be my maximum allowed contribution amount to a Traditional (Ordinary) IRA (not SEP or SIMPLE, etc.). Would it be $3,000 or $2,900 ($3,000-$100)?

1.50% + APY Accounts - National:
Bank | Account Type | APY | Terms

Altra Federal Credit Union Indexed Money Market 2.31% $1,000,000
Salem Five Direct eOneSavings 1.85% None
Dollar Savings Direct Online Savings 1.80% None
All America Bank Mega Money Market 1.75% $50
Redneck Bank Mega Money Market 1.75% $50
able Banking Money Market Savings 1.70% $250
BankPurely MMA 1.70% $25,000
United Bank MMA 1.70% $1
Incredible Bank Savings 1.66% $25,000
Colorado Federal Savings Bank Savings Account 1.65% $50,000
Popular Direct Savings Account 1.65% $5,000
MutualOne Bank Savings Account 1.61% $10
FNBO Direct Online Savings 1.60% None
Live Oak Bank Online Savings 1.60% None
PurePoint Financial Online Savings 1.60% $10,000
UFB Direct MMA 1.60% $5,000
CIT Bank Premier High Yield Savings 1.55% None
Nationwide Bank MMA 1.55% $10,000
Synchrony Bank High Yield Savings 1.55% None
Northern Bank Direct Money Market Account 1.51% $25
SFGI Direct Savings 1.51% None
Discover Bank ($200 Bonus) Online Savings 1.50% None
Barclays Online Savings 1.50% None
Capital One 360 ($100 bonus) Money Market 1.50% $10,000
iGObanking MMA 1.50% $25,000
INOVA Federal Credit Union Platinum Money Market 1.50% $100,000
Marcus By Goldman Sachs Online Savings 1.50% None
My Banking Direct Money Market 1.50% $25,000
My eBanc SuperSaver MMA 1.50% $5,000
Northpointe Bank Ultimate Money Market 1.50% $25,000
Sallie Mae Bank MMA 1.50% None

1.50% + APY Accounts - Regional:
Bank | State(s) | Account Type | APY

Truity Credit Union AR, KS, OK, TX Name It Save It Savings 2.00% On balances up to $50k
Kearny Bank NJ, NY MMA Plus 1.76% $1M minimum to earn high rate
Federal Savings Bank NH, ME Premier MMA 1.75% $75k minimum to earn high rate
Heartland Bank OH MMA 1.75% $25k minimum to earn high rate
Metro Credit Union MA High Yield Savings 1.75% $25k minimum to earn high rate
Citizens State Bank TX MyCash MMA 1.65% $100k minimum to earn high rate
Unitedbank CA, CT, GA, ME, MD, MA, NJ, NY, PA, RI, TX, VA, WA MMA 1.61% $500 minimum to open
Connex Credit Union CT MMA 1.60% $100k minimum to earn high rate
PathFinder Bank NY MMA 1.60% $10k minimum to earn high rate
Amplify Credit Union TX High Yield Savings 1.55% $100 minimum to earn high rate
Beal Bank USA FL MMA 1.55% $25k minimum to earn high rate
Mercantil Bank FL, TX MMA 1.55% $25k minimum to earn high rate
Blue Hills Bank MA Premier MMA 1.50% $10k minimum to earn high rate
Clifton Savings Bank NJ Rate Raiser Checking 1.50% $1 minimum to earn (Intro Rate for 180 Days)
Hamilton Bank MD MMA 1.50% $10k minimum opening deposit and to earn high rate
New York Community Bank AZ, FL, NJ, NY, & OH MMA 1.50% $100k minimum opening deposit and to earn high rate
Sandy Spring Bank DC, MD, VA Premier MMA 1.50% $10k minimum to open, Rate guaranteed for 3 months
University Settlement Federal Credit Union NY Regular Savings 1.50% $25 minimum to earn high rate

1.50% + APY Accounts - National:
Bank | Account Type | APY | Terms

Altra Federal Credit Union Indexed Money Market 2.31% $1,000,000
Dollar Savings Direct Online Savings 1.80% None
All America Bank Mega Money Market 1.75% $50
Redneck Bank Mega Money Market 1.75% $50
able Banking Money Market Savings 1.70% $250
United Bank MMA 1.70% $1
Colorado Federal Savings Bank Savings Account 1.65% $50,000
Popular Direct Savings Account 1.65% $5,000
MutualOne Bank Savings Account 1.61% $10
FNBO Direct Online Savings 1.60% None
Live Oak Bank Online Savings 1.60% None
PurePoint Financial Online Savings 1.60% $10,000
UFB Direct MMA 1.60% $5,000
CIT Bank Premier High Yield Savings 1.55% None
Incredible Bank Savings 1.55% $25,000
Nationwide Bank MMA 1.55% $10,000
Synchrony Bank High Yield Savings 1.55% None
Northern Bank Direct Money Market Account 1.51% $25
SFGI Direct Savings 1.51% None
Discover Bank ($200 Bonus) Online Savings 1.50% None
Barclays Online Savings 1.50% None
Capital One 360 ($100 bonus) Money Market 1.50% $10,000
iGObanking MMA 1.50% $25,000
INOVA Federal Credit Union Platinum Money Market 1.50% $100,000
Marcus By Goldman Sachs Online Savings 1.50% None
My Banking Direct Money Market 1.50% $25,000
My eBanc SuperSaver MMA 1.50% $5,000
Northpointe Bank Ultimate Money Market 1.50% $25,000
Salem Five Direct eOneSavings 1.50% None
Sallie Mae Bank MMA 1.50% None

1.50% + APY Accounts - Regional:
Bank | State(s) | Account Type | APY

Truity Credit Union AR, KS, OK, TX Name It Save It Savings 2.00% On balances up to $50k
Kearny Bank NJ, NY MMA Plus 1.76% $1M minimum to earn high rate
Federal Savings Bank NH, ME Premier MMA 1.75% $75k minimum to earn high rate
Heartland Bank OH MMA 1.75% $25k minimum to earn high rate
Metro Credit Union MA High Yield Savings 1.75% $25k minimum to earn high rate
Citizens State Bank TX MyCash MMA 1.65% $100k minimum to earn high rate
Unitedbank CA, CT, GA, ME, MD, MA, NJ, NY, PA, RI, TX, VA, WA MMA 1.61% $500 minimum to open
Connex Credit Union CT MMA 1.60% $100k minimum to earn high rate
PathFinder Bank NY MMA 1.60% $10k minimum to earn high rate
Amplify Credit Union TX High Yield Savings 1.55% $100 minimum to earn high rate
Beal Bank USA FL MMA 1.55% $25k minimum to earn high rate
Blue Hills Bank MA Premier MMA 1.50% $10k minimum to earn high rate
Clifton Savings Bank NJ Rate Raiser Checking 1.50% $1 minimum to earn (Intro Rate for 180 Days)
Hamilton Bank MD MMA 1.50% $10k minimum opening deposit and to earn high rate
Sandy Spring Bank DC, MD, VA Premier MMA 1.50% $10k minimum to open, Rate guaranteed for 3 months
University Settlement Federal Credit Union NY Regular Savings 1.50% $25 minimum to earn high rate

Do you know of any other banks other than PurePoint that credit your ACH deposit the business day you initiate the transfer?

I used to subscribe and get notifications when the subject included certain keywords in the old FatWallet forums. Is this possible with PhatWallet?

1.50% + APY Accounts - National:
Bank | Account Type | APY | Terms

Altra Federal Credit Union Indexed Money Market 2.14% $1,000,000
All America Bank Mega Money Market 1.75% $50
Redneck Bank Mega Money Market 1.75% $50
able Banking Money Market Savings 1.70% $250
Colorado Federal Savings Bank Savings Account 1.65% $50,000
MutualOne Bank Savings Account 1.61% $10
Dollar Savings Direct Online Savings 1.60% None
Live Oak Bank Online Savings 1.60% None
PurePoint Financial Online Savings 1.60% $10,000
UFB Direct MMA 1.60% $5,000
CIT Bank Premier High Yield Savings 1.55% None
Incredible Bank Savings 1.55% $25,000
Nationwide Bank MMA 1.55% $10,000
Synchrony Bank High Yield Savings 1.55% None
Northern Bank Direct Money Market Account 1.51% $25
SFGI Direct Savings 1.51% None
Barclays Online Savings 1.50% None
Capital One 360 ($100 bonus) Money Market 1.50% $10,000
iGObanking MMA 1.50% $25,000
INOVA Federal Credit Union Platinum Money Market 1.50% $100,000
Marcus By Goldman Sachs Online Savings 1.50% None
My Banking Direct Money Market 1.50% $25,000
My eBanc SuperSaver MMA 1.50% $5,000
Northpointe Bank Ultimate Money Market 1.50% $25,000
Popular Direct Exclusive Savings 1.50% $5,000
Salem Five Direct eOneSavings 1.50% None
Sallie Mae Bank MMA 1.50% None

1.50% + APY Accounts - Regional:
Bank | State(s) | Account Type | APY

Truity Credit Union AR, KS, OK, TX Name It Save It Savings 2.00% On balances up to $50k
Kearny Bank NJ, NY MMA Plus 1.76% $1M minimum to earn high rate
Federal Savings Bank NH, ME Premier MMA 1.75% $75k minimum to earn high rate
Heartland Bank OH MMA 1.75% $25k minimum to earn high rate
Metro Credit Union MA High Yield Savings 1.75% $25k minimum to earn high rate
Citizens State Bank TX MyCash MMA 1.65% $100k minimum to earn high rate
Unitedbank CA, CT, GA, ME, MD, MA, NJ, NY, PA, RI, TX, VA, WA MMA 1.61% $500 minimum to open
Connex Credit Union CT MMA 1.60% $100k minimum to earn high rate
PathFinder Bank NY MMA 1.60% $10k minimum to earn high rate
Amplify Credit Union TX High Yield Savings 1.55% $100 minimum to earn high rate
Beal Bank USA FL MMA 1.55% $25k minimum to earn high rate
Blue Hills Bank MA Premier MMA 1.50% $10k minimum to earn high rate
Clifton Savings Bank NJ Rate Raiser Checking 1.50% $1 minimum to earn (Intro Rate for 180 Days)
Hamilton Bank MD MMA 1.50% $10k minimum opening deposit and to earn high rate
Sandy Spring Bank DC, MD, VA Premier MMA 1.50% $10k minimum to open, Rate guaranteed for 3 months
University Settlement Federal Credit Union NY Regular Savings 1.50% $25 minimum to earn high rate

1.5% + APY Accounts - National:
Bank | Account Type | APY | Terms

Altra Federal Credit Union Indexed Money Market 2.14% $1,000,000
able Banking Money Market Savings 1.70% $250
Colorado Federal Savings Bank Savings Account 1.65% $50,000
MutualOne Bank Savings Account 1.61% $10
Dollar Savings Direct Online Savings 1.60% None
Live Oak Bank Online Savings 1.60% None
PurePoint Financial Online Savings 1.60% $10,000
UFB Direct MMA 1.60% $5,000
CIT Bank Premier High Yield Savings 1.55% None
Incredible Bank Savings 1.55% $25,000
Northern Bank Direct Money Market Account 1.51% $25
SFGI Direct Savings 1.51% None
All America Bank Mega Money Market 1.50% $35,000
Barclays Online Savings 1.50% None
Capital One 360 ($100 bonus) Money Market 1.50% $10,000
iGObanking MMA 1.50% $25,000
INOVA Federal Credit Union Platinum Money Market 1.50% $100,000
Marcus By Goldman Sachs Online Savings 1.50% None
My eBanc SuperSaver MMA 1.50% $5,000
Nationwide Bank MMA 1.50% $10,000
Northpointe Bank Ultimate Money Market 1.50% $25,000
Popular Direct Exclusive Savings 1.50% $5,000
Redneck Bank Mega Money Market Account 1.50% None
Salem Five Direct eOneSavings 1.50% None
Sallie Mae Bank MMA 1.50% None
Synchrony Bank High Yield Savings 1.50% None

1.5% + APY Accounts - Regional:
Bank | State(s) | Account Type | APY

Kearny Bank NJ, NY MMA Plus 1.76% $1M minimum to earn high rate
Federal Savings Bank NH, ME Premier MMA 1.75% $75k minimum to earn high rate
Heartland Bank OH MMA 1.75% $25k minimum to earn high rate
Metro Credit Union MA High Yield Savings 1.75% $25k minimum to earn high rate
Citizens State Bank TX MyCash MMA 1.65% $100k minimum to earn high rate
Unitedbank CA, CT, GA, ME, MD, MA, NJ, NY, PA, RI, TX, VA, WA MMA 1.61% $500 minimum to open
Connex Credit Union CT MMA 1.60% $100k minimum to earn high rate
Amplify Credit Union TX High Yield Savings 1.55% $100 minimum to earn high rate
Blue Hills Bank MA Premier MMA 1.50% $10k minimum to earn high rate
Clifton Savings Bank NJ Rate Raiser Checking 1.50% $1 minimum to earn (Intro Rate for 180 Days)
Sandy Spring Bank DC, MD, VA Premier MMA 1.50% $10k minimum to open, Rate guaranteed for 3 months
University Settlement Federal Credit Union NY Regular Savings 1.50% $25 minimum to earn high rate

Before I sold my hot listing for $280 I had another offer for $265. I countered with $275 and received this reply. Does anyone know why the buyer couldn’t paypal $275?
Buyer: I would be able to take the $275 offer but for some reason Paypal won’t accept more than $265.55.