this breakout is something the insurer will never let you see .
this is the prudential bond linked index . it promises you a guaranteed 5.50% at a time rates were zero .
it’s linked to a bond index and you get the higher of the guaranteed amount or the index
of course the index amount has...
only assets we are interested in is our liquid assets we use to set our spending goal posts each year
that gets added to our income streams like ss and pension
taxes not taken out because it’s a traditional have a future tax liability.
taxes are an expense no different then any other expense .
if you have a roth you paid those taxes up front and that money is gone .
it no longer plays a roll in net worth .
on the other hand the traditional will...
throw in a decade or two of social security and or pension too .
these are all the reasons i never take part in threads about net worth comparisons….its really useless comparing when everyone adds in different things .
my feeling is unless everyone is comparing apples to apples ,i dont...
the less the number of years you are in the smaller the balance. those years are starting years .
so 2024 means year to date , 2023 means starting in 2023 to 2024 , 2022 means starting in 2022 to 2024 ,etc
called state farm yesterday to get a price on all my insurance needs .
been with geico 50 years and wanted to check rates .
i pay 2300 a year for our 2023 lexus rx500h , an 80k car in queens in nyc
no tickets no accidents two drivers .
they quoted me 6k ….we didn’t go any further
the thinking that spending drops. is not exactly correct .
the studies showed that those who had discretionary spending tended to spend in a smile shape .
so a lot of what wasn’t done or bought tended to pay for a lot of other stuff they did do and use
however those who didn’t have much...
new york is the same as the federal…we have a tax cliff though .
go over the limit by just 5% and you loose the entire exemption and the estate is taxed from dollar one .
many years ago new york was lower and we needed a pair of disclaimer trusts to pass 2x the limit
so after seeing what we are paying in nyc for a 1 million dollar umbrella from geico i shopped for insurance yesterday .
we pay 700 for 1 million in liability
few insurance companies will insure my car a 2023 lexus rx500h , paid 80k.
i pay about 2300 a year for it in insurance with two...
i am on trulicity for my diabetes.
that had me lose about 30 lbs the last six months , which i didn’t need to loose so it hurt my weight lifting a lot .
i was talking to a fellow at the gym a few weeks ago who also is diabetic.
he asked if i use sugar free coffee creamer , and i said yes ...
i bought a 2023 lexus rx500h which takes premium so i pay a dollar a gallon more . but because it’s a hybrid it gets 22-25 mpg .
so i put in about 8-10 gallons a week .
not to bad .