Recent content by BeachOrCity

People are lazy and like to lump people into categories. It’s called bias. Journalists are just as guilty as everyone else. We would all be better off if we took the time to “Judge people as individuals”.

I really don’t see an alternative to using a password manager these days if you need to be able to login from multiple locations etc. storing them on your phone or written down is less safe. I got off LastPass and on Bitwarden after lp seemed more concerned with their image and profits than...

Original goal when I graduated college and took a job was work 30 years and retire. Company took pension away…..thought id never save enough to retire after 30 yrs and thought I would have to work at least 35. Ended up doing well enough to retire at my original date, 30 years and done.

I use Libra. Works great. I imagine super fancy stuff may not work, but for m9st people it’s probably fine. You do have to get used to new menus etc. but the help is decent.

I bought into an oil partnership in September 2014. Remember what happened in October 2014? Sometimes you can’t do anything but laugh at your own timing. While you don’t get the initial write of a high quality mlp can be a decent invetsmen where most income is tax deferred these days...

My view is that dst is not a good option. They are inflexible, have many layers of fees that are anything but transparent and generally make a huge commission for whoever is selling them. I’ll say it. DSTs suck. :) I assume you know all about 1031. It’s a good option assuming and that’s a...

Most likely I am having to head up north for a few days around the 25th now so likely won’t be able to come. Have fun everyone!

DC follows federal std deduction. Dont know if your income was agi or ti??? DC charges 1/2 property taxes for seniors. DE exempts 12.5k of pension income. These calculators are oversimplified.

Lisbon year round now? Was just there in November, absolutely loved loved loved it. Hope you are well! :)

Thanks for the DM Omni...!! Did not see this new thread The 25th works for me. The 18th, have company flying into town and will most likely be with them

Just seeing this now. I literally just did this math about same age in high tax state. I am married with about 20k+ in unsubsidized price of aca We get Medicaid up to 200% fpl here, and my income floor from divvies etc is probably over 40k anyway. When I sampled aca subsidy and state tax...

To this point, that was my big surprise that I did not think thru in advance. If tips real rates rose, the tips “fund” would lose value. I would buy new or resale individual tips here, but I would not do a tips fund again. I don’t expect the real tips rate to go much higher from here, so at...

Thanks. Kind of hard after Credit Swiss to know how protected everything really is.

Anyone keep a list of banking preferreds that are cumulative? With the banking stresses ongoing I would imagine some of these could be attractive, but want to hedge my risk on divvys being paid.

Thanks Omni! Good times :). Until next year. By the way, esp appreciated that you reached out to us all directly this year so we did not miss the thread!