Search results

I'm going through some papers and found a note card with these investment tips I wrote down and I'm trying to figure out the source. Ring any bells? Book, podcast, perhaps who talks this way? I tried several AI searches of the text without any results: -Markets Average a 14% decline once...

People seem to talk a lot about Trump winning the election and walking away from all his legal woes and becoming a tyrant - but what they don't talk much about, which I find more interesting is: What happens when he loses? Things probably for sure will happen: He will claim voter fraud and...

I notice a pattern that JP Morgan offers a lot of callable CDs, and then always calls them really early. (For example: 2 years callable, and then call in 6 months). They seem to be a company that consistently does this. It’s as if they have no idea how much money they will need. Your theories?

Most tax information assume you have earned income from a job, but what if you don’t? What if you only have 2 sources of income: LTCG and Non-Qualified Dividends. How are they ’stacked’? For example, Assume you have both LTCG $44,000 (no fed taxes), and $44,000 Non-qualified dividends (marginal...

I'm not a tax whiz, but I also don't have a complicated financial life (no deductions, no kids, own my home). I'm living on long term cap gains and cash out about $50,000 a year. This year I stumbled by forgetting my dividends and ended up with $60,000 income/investment total. I just did my...

I've read several articles on how long to wait before you shred old tax records, but a lot of it has to do with deductions, debt, home loans, business or employment income. Since I'm fire, own my home, have no debt, and live on investments and I don't deduct anything - can you think of any...

I have about $300 of return on a CD in my credit Union and will continue to accumulate more over time. I assumed I could just transfer that interest into my CR checking account, but they won't let me do that online. I have to do it with a representative. Is this normal? Where does CD...

Normally I would say it makes sense to cash out the amount of capital gains under $44,000 to live off of for 0% federal taxes. But every year I get tripped up by three unexpected income streams with different tax rates that feel like elusive numbers: A) dribbles of royalty income by multiple...

I'm helping a friend who is trying to figure out if they can retire (have people look at their numbers/situation) - and I thought this would be a good place to refer them to, to get feedback - but I'm not seeing what sub-forum they should post in (?) Most look like investment strategies - and...

For some reason I'm not "getting it" with Fidelity website. All I am trying to do is buy CDs. My acct says I have plenty of $, but when I go to buy a CD, it says I don't have enough (3 x less). My ultimate goal: Buy CDS and when they come due, have the cash flow back into a bucket where I can...

Maybe it's obvious, (I can't find it) but when I look at my positions tab on my fidelity account to see info from CDs -I can't find it. Instead, there are multiple columns of information I have no interest in. They have todays gain, loss, 52 week range, last price - which assumes I'm...

I recall (but can't find it now) an investment strategy for stepping up your basis in mutual funds by selling ones with large unrealized gains, and rebuying them again the next day to step up your basis. There was a certain condition where there was an advantage of doing this, but now I can't...

I've been reading some articles on Intermittent fasting and the positive health benefits. I started trying it this week in an 8 hour time window, but it feels like I just have to rush eating in hour 7 (even when I'm not hungry). But if I don't, I'm miserable later. Your thoughts? It seems...

[UPDATE: Question was answered] I just saw this message when trying to buy a CD on Fidelity: For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution issuing the CD will generally be counted toward the aggregate limit (usually...

Tell me if my figures are correct. I am trying to figure out what is the max amount I can out my mutual fund gains and still have no tax due for (2023 rates): -Amount of $ long term gains I can cash out with no 0 tax liability (based on tax table): 44,625+ -Standard deduction 13,850 = Total...

Are these the proper steps to transfer Vanguard SEP (with CDs) to Fidelity? Tell me if my steps are correct in moving assets of my VG Sep Ira to Fidelity Sep Ira. Inside the VG brokerage Sep account I have: -1 Mutual fund (Let's call it "Fund A") -Money Market fund, -Settlement fund and...

Hi, I'm on the fence of whether to join Costco. They won't let me "try it out" - I have to become a member. My challenge is I don't own a car. I can ride my bike there, but probably couldn't haul much back. I could take Uber, or ask for a ride as a back up plan. Is it worth it? More than...

Ok I know this forum tends to slip up and be snarky- but be nice because I’m a beginner at CDs and have questions I can't find answers to on searches. I'm also ER, so I think it's better to ask here than other forums. I'm trying to understand (beyond a surface level) the concept of brokered...

Isn't calling an interest rate a "coupon" similar to calling a computer a "typewriter"? Why doesn't the financial industry update the language with the times, since physical coupons are not used anymore? Just Nostalgia? To confuse people?

Riddle me this. "Brokered CDs are technically not FDIC-insured. However, the broker’s underlying CD purchase from the bank is insured. That makes it essential to buy them from a financially sound company." https://www.investopedia.com/terms/b/brokered-cd.asp My main interest in CD's is the...

I was visiting a friend awhile back she was stunned I didn't know how to run a dishwasher (I've never lived with one). Even with her How-to instructions it seemed like a hassle to 1) figure out if the items inside were dirty or clean, since they all are shiny, 2) having to load it 3) having to...

I did several searches on the forum but can't find the answer: Is there a way to set my profile to coordinate the time zone of the post? I don't what time zones the the forum is going by, but it seem very different than mine.

I've been doing research on what stock Index fund at Fidelity is similar to Vanguard Total Stock Market VTSAX - and it seems a lot of people compare it to Fidelity Zero Total Market Index FZROX. But when I look at the 6 month return, it is almost a 6% difference (!), Vanguard being higher. Is...

Forgive if this has been answered 100 times but I searched and can't find the answer. I have an ibond (I have not cashed out) but did not get a 1099 this year for the interest. I thought whenever you buy an ibond, you still have to pay annual interest taxes on it no matter what year you cash...

Do you know of any podcasts, books, films that talk about how things are actually getting better in the world? I found these 3 books that have facts and figures about things we assume are getting worse, such as health, homeless, education, wealth - but they are actually getting better. We are...