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Forum: FIRE and Money 06-04-2021, 11:53 AM
Replies: 41
Views: 3,710
Posted By catotx
These are annualized numbers. For example, if you...

These are annualized numbers. For example, if you loan out $10k of ARKG, you will get approximately 10000*2%/360 = $0.56 a day.
Forum: FIRE and Money 06-04-2021, 07:34 AM
Replies: 41
Views: 3,710
Posted By catotx
I signed up the FPL program with Etrade for my...

I signed up the FPL program with Etrade for my IRA a few months ago. All of my ARKG shares in the account are on loan shortly after I signed up. The net yield I get is around 2%.

Another holding,...
Forum: FIRE Related Public Policy 03-11-2021, 07:35 AM
Replies: 49
Views: 5,439
Posted By catotx
This is the "cliff" for the stimulus...

This is the "cliff" for the stimulus checks.
Forum: Health and Early Retirement 03-11-2021, 07:30 AM
Replies: 133
Views: 12,106
Posted By catotx
Your income of $43,000 puts you at 3.37x the...

Your income of $43,000 puts you at 3.37x the poverty line. Using the updated KFF calculator, you would not need to pay more than 6.93% of $43,000 = $2979.90 for the SLCSP.

The SLCSP costs $927.57...
Forum: Health and Early Retirement 03-10-2021, 10:42 AM
Replies: 133
Views: 12,106
Posted By catotx
Exactly right. I modeled the marginal bracket...

Exactly right. I modeled the marginal bracket versus the Roth conversion amount for a family with $60k in dividends ($45k QDI) and $10k in interest income.

The Federal marginal bracket starts at...
Forum: Stock Picking and Market Strategy 02-25-2021, 03:20 PM
Replies: 48
Views: 5,125
Posted By catotx
Thanks. If only Fidelity would also sell MYGAs...

Thanks. If only Fidelity would also sell MYGAs from insurers with AM Best ratings in the Good and Excellent category. I think they currently only sell from insurers with Superior ratings.
Forum: Stock Picking and Market Strategy 02-25-2021, 07:00 AM
Replies: 48
Views: 5,125
Posted By catotx
Just curious, does Fidelity list the MYGA as one...

Just curious, does Fidelity list the MYGA as one of your holdings in your TIRA? Or was the money simply withdrawn and you don't see it when you logon to Fidelity?
Forum: FIRE and Money 02-18-2021, 06:46 PM
Replies: 24
Views: 1,174
Posted By catotx
I bought quite a few MYGAs, starting last summer....

I bought quite a few MYGAs, starting last summer. I used them to replace matured CDs due to the dismal CD rates.
Forum: FIRE and Money 02-11-2021, 07:06 AM
Replies: 22
Views: 4,106
Posted By catotx
Thanks. It's not really a deal killer for me...

Thanks.

It's not really a deal killer for me if I was going to open the TID. But it just provides more flexibility if TID allows external pulls/pushes. It could also allow one to go around any...
Forum: FIRE and Money 02-10-2021, 09:05 PM
Replies: 22
Views: 4,106
Posted By catotx
Thanks. I think I wasn't clear in my second...

Thanks.

I think I wasn't clear in my second question. Must all the transfers be initiated from the TID website? Or can they also be initiated from your bank, e.g. Ally bank.
Forum: FIRE and Money 02-10-2021, 07:40 PM
Replies: 22
Views: 4,106
Posted By catotx
Can anyone with the Toyota Income Driver (TID)...

Can anyone with the Toyota Income Driver (TID) account comment if check books are offered? Can you also pull or push money into the TID account externally? Thanks.
Forum: Stock Picking and Market Strategy 01-29-2021, 09:28 PM
Replies: 48
Views: 5,125
Posted By catotx
In case anyone is interested, Canvas Annuity, an...

In case anyone is interested, Canvas Annuity, an affiliate (or subsidiary) of Puritan Life of America, is offering MYGAs with the following rates

3-yr 2.75%
5-yr 3.25%
7-yr 3.5%
...
Forum: Health and Early Retirement 10-24-2020, 10:26 AM
Replies: 94
Views: 7,823
Posted By catotx
Thanks for the tip!

Thanks for the tip!
Forum: FIRE and Money 09-19-2020, 05:33 PM
Replies: 221
Views: 22,070
Posted By catotx
I'm in the process of buying this MYGA and I...

I'm in the process of buying this MYGA and I suspect the rate won't last very long. Once in a while, there would be a MYGA offering that stands out but it will only last for a month or two. For...
Forum: FIRE and Money 09-17-2020, 09:17 AM
Replies: 221
Views: 22,070
Posted By catotx
I use Blueprint Income...

I use Blueprint Income https://www.blueprintincome.com/fixed-annuities
Forum: FIRE and Money 09-16-2020, 08:58 PM
Replies: 221
Views: 22,070
Posted By catotx
I have bought a few MYGAs in the past few months,...

I have bought a few MYGAs in the past few months, the latest being Americo's 5-yr MYGA at 3.2%. Americo is rated A by AM Best.

Another caveat about MYGAs is their punishing early withdrawal...
Forum: FIRE and Money 07-12-2020, 08:06 PM
Replies: 15
Views: 1,135
Posted By catotx
Switch over to Marcus. They have eliminated the...

Switch over to Marcus. They have eliminated the monthly 6-withdrawal limit

"Due to a change in federal law, you are now free to make more than six withdrawals or transfers from your Online Savings...
Forum: FIRE and Money 06-28-2020, 06:09 PM
Replies: 20
Views: 1,122
Posted By catotx
If you have investments at a brokerage firm, you...

If you have investments at a brokerage firm, you can take a margin loan. This is what I used. I took a margin loan from Interactive Brokers to purchase my current home before selling the old house....
Forum: FIRE and Money 06-26-2020, 06:10 PM
Replies: 14
Views: 1,088
Posted By catotx
That's a reasonable option. At the 5-yr...

That's a reasonable option.

At the 5-yr term, I do see a 2.75% Jumbo MYGA from Mutual of Omaha (A+ AM Best).
Forum: FIRE and Money 06-21-2020, 05:57 PM
Replies: 19
Views: 1,340
Posted By catotx
I agree with earlier comments that you can...

I agree with earlier comments that you can simplify the portfolio.

It looks like your target equity/bond is about 55/45. Given that you already have a strip mall, I would not add the REIT fund.
...
Forum: FIRE and Money 06-20-2020, 03:17 PM
Replies: 14
Views: 1,088
Posted By catotx
Yes it is $250k for my state. This link has...

Yes it is $250k for my state.

This link has a summary for comparison

https://www.annuityadvantage.com/resources/state-guaranty-associations/

But for confirmation, it's better to check with...
Forum: FIRE and Money 06-20-2020, 11:48 AM
Replies: 14
Views: 1,088
Posted By catotx
Thanks. I would definitely stay below my state's...

Thanks. I would definitely stay below my state's limit, regardless of which insurer I go with.
Forum: FIRE and Money 06-20-2020, 11:12 AM
Replies: 14
Views: 1,088
Posted By catotx
I'm doing some comparisons for 3yr MYGA at the...

I'm doing some comparisons for 3yr MYGA at the $50k level

Oceanview Life A- 3.00%
Fidelity & Guaranty Life A- 2.25%
Delaware Life A- 2.25%
Oxford Life A- 2.10%
North American A+ 1.95%

The...
Forum: FIRE and Money 06-20-2020, 10:35 AM
Replies: 14
Views: 1,088
Posted By catotx
I use the Blueprint Income website which provides...

I use the Blueprint Income website which provides similar comparisons.

https://www.blueprintincome.com/fixed-annuities

I share your concerns about a new insurer with an AM Best A- rating. On...
Forum: FIRE and Money 06-20-2020, 09:11 AM
Replies: 14
Views: 1,088
Posted By catotx
Thank you for your insight. It gave me something...

Thank you for your insight. It gave me something to think about.
Showing results 1 to 25 of 192

 
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