I'm thinking of deploying all my funds to the 20-year. It'll let me live well for the rest of my life at least at today's dollar value. Sound crazy? Of course I don't have to hold it for 20 years, if what I'm thinking comes along (stagflation or worse) I can sell and reload. I'm 71 years old.
So I've looked at this website which tells me which categories I am in for Medicare deductions from my social security:
https://www.ssa.gov/benefits/medicare/medicare-premiums.html
I am in the $342,000 up to $410,000 category but I'm curious if they are using gross income applied to those figures? or IRS taxable income when using the above figures?
I ask as I have an account with him and I used them for silver flatware melt & assay years and years ago, right around COVID maybe and found them to be above board. Now I'm thinking of sending some gold their way and I'm curious if anybody's done business with them lately, and where you satisfied with your assay?
I ask as I have an account with him and I used them for silver flatware melt & assay years and years ago, right around COVID maybe and found them to be above board. Now I'm thinking of sending some gold their way and I'm curious if anybody's done business with them lately, and where you satisfied with your assay?
I tend to roast darker most of the time, and I use the mocha master for a coffee machine. This is a manual machine, no timers, no temperature settings or any of that stuff. You (burr) grind the coffee, put it in the hopper and you can slow down the drip or cut it off completely to let the coffee sit for a bit but you get my drift, it's analog; it's claim to fame is a perfect temperature every time for the water, it's got one heck of a boiler in it. On the side of the water container, it's marked in liters and in cups. The liters side is accurate. The cup side not so much: see where it's marked 2 cups?, that's a full 16 oz of water. I don't know what they're calling a cup but it's certainly not 8 oz. That said I have been using a standard level Starbucks measure per 4 oz., so thats 50g of coffee for 16 oz of water. And this makes a strong cup'o coffee. Anyone else using this kind of strength/beans per cup, a true 8 oz cup?
I think this is right, correct me if I misunderstand this. Is it not true that if I buy say, the two-year note, that having held it at least 30 days I can trade against it in a marginable account?
Who else here has taken advantage of this on the secondary market? It's paying 6.15% and another person here on Reddit has recommended this as the core/ballast of a good retirement bond ladder.
I'm at that point; I'm 70+. All I need now is income, my days as an active "investor" are pretty much over and I guess what I'm asking for are "what would you do?" thoughts as much as anything else. I can live pretty well w/just going to the Treasury auction and buying 4mo. Tres. and roll them over UD (until death) but I'd like more than that which brings me to the subject of TIPS. My short list: TIPS, CSHI, VTIP, SCHP, STIP, and TIPA. Other ideas welcome but first: would you put all your eggs in one basket? The 4mo. Tres. is paying 3.94% and won't likely change in the near future. Warsh et. al. will see to that. Having done this for almost 50 years has taught me to expect the worst and be grateful for anything else so is it crazy to trust an idea like this? Would you do it? This is 3.5M in funds.
PS Thank you for this community, so many other platforms are so judgemental... Reddit is underestimated.
It seems very stable, and it'll get me about 1% better than I'm getting with SUTXX. I don't have an IRA/401K, nor have to deal with RMDs. I need this monthly, any other suggestions welcome.
I had to look at what our Medicare cost breakdown is from SS and I'm paying $44 more (part c as of this year) than my wife apparently and yet we both have the same United Healthcare program. Why is that? She is 69 this year.
I thought I had a post going about this but maybe not, or it got deleted.
I have been thinking of plan to buy 6-month treasuries next month in August. I think I understand this right in that I won't be paying tax on the interest accrued for those treasuries until they mature in 2027. My main concerning is of course not losing a day's interest in the process with the notion of rolling them over into other treasury vehicles (3 or 6 mo.? rinse and repeat?) and keep the interest earned out of the process and have it automatically swept back into SUTXX so's to use for income. Does this sound feasible?
Because of my income in 2025 and 2026, I will be kicked into the next to the highest Medicare payments/deduction bracket for 2027 and 2028 or at least that's my understanding. My question is, won't those increase to charges for my wife and myself be automatically deducted from our SS payments? And how, if it all will we be notified of these changes? My income will go back to something closer to normal for the 2027 calendar year but if I understand it right, because of my income for 25/26, I'll be paying those higher charges for 27 and 28. We file our taxes jointly.
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"Cuvee Rita" 2023 (Chilean,
Maipo Valley)
Big blackberry, coco forward on the pallet. Well-rounded with low acidity/decent tannins. This is a great DD in my opinion and you can have it at Costco for a whole $12.99. as an aside I'm always impressed by the bottles that are used by the folks in South America. They're heavy as an anchor! Empty, you could throw this bastard through a plate glass window. The claw you see me using to go through the seal is one I made myself from an old piece of lumber mill bandsaw blade and some antler. I hardened it well past Rockwell 55/60 with a steep angle on the cutting edge so's to get through pretty much anything in its way. It'll break champagne wire easily as well.
So these bottles came from winekey.com and my first order from them was okay. Nothing to write home over but their "Letterhead Pinot 2025" (and low and behold if you look on the back they are the ones bottling it) was a nice wine although I thought a little over priced for what it was: a very light bodied one with decent aroma and it rested well on the pallet however nothing out of the ordinary. This stuff however, the 2023 Stolo, I poured down the sink. Really how often does somebody try to sell you a $35 bottle of badly made wine?, but that's what this is. There's no balance, no body and a sourness to it (for lack of a better word) that you just won't tolerate. Beware of these folks. May I add this company is but one of a slew of mail-order wine concerns that constantly pop up on my Instagram feed. I'm done with them.
My 13-year-old kitty has taken to sitting in front of a mirror. He sleeps in front of it, he gazes into it, this is all started just here recently. He is quite the old kitty though so maybe that's normal.
Granted, I invented it myself but I like it.
"erudicity"
Definition: a person or persons exhibiting erudite behavior, to be used in both past and present tense.
Please feel free to shoot holes in this at will.
A Carneros... Anyone else tried it? And so what did you think?
As far as I can tell, the AARP income tax calculator for anybody, including seniors like me is no longer available for free? Am I right on this?
ISO (like everyone else of course) just a little better yield then I'm getting from short-term US treasuries in SUTXX. I have looked into some of these foreign bond funds and I swear, I don't think they're as dangerous as some of the domestic stuff we are offered. What do you folks think of HYEM?
My Behmor 1600 + stops heating completely if I try to change profiles in the middle of a roast. Is this common? I thought you should be able to do that right? If I try to change profiles whichever one I push begins to blink, even if I go back to the original profile.