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I recently set up an LLC that I will use for consulting/advisory services. I've set up a seperate checking account and gotten an EIN. Wondering if anyone has experiences they can share in regard to taxes. I know that I will owe 15.3% on income to cover both sides of FICA + Medicare. I...

Does anyone have experience with State Farm insurance? We're revisiting out insurance situation. State Farm is coming in cheaper by far than our current providers. They are also willing to step up on umbrella coverage where others are not. Anyone have experience with them in terms of...

I'm continuing my fixed income education and I am really struggling with the math of Make Whole Calls, particularly for bonds trading below par. Consider this bond quoted by Schwab: CUSIP: 71654QCK6 BBB Rated Price: $87.00 Coupon: 5.35% Maturity: 2/12/2028 MWC Continuous YTM: 9.1% YTW: -- %...

Effective January 1, 2024 I am a free man! I wouldn’t let myself post anything until it was totally signed … and it is! ;D I posted in 2022 that I had moved towards the exit. ( https://www.early-retirement.org/forums/f26/a-big-step-towards-the-door-113757.html ) By late summer my BS...

I’m continuing to plan a five year fixed income ladder. My goal would be equal weighted rungs, with a consistent credit quality mix of: Treasury/CD: 40% Corporate: 50% High Yield: 10% I’m intending to use Blackrock’s iBonds as a way to get guaranteed YTM and diversification. On inspection...

Hi. DW is excited to go to Africa. She's begun to consider locations, etc. Egypt is certainly on the list and then its off to a safari in one or more locations. I'm somewhat intrigued by maybe a couple days at one of the coast locations. She's started researching locations and tours. We...

Hi. Would love some input from people experienced with somewhat complicated insurance situations. We've recently moved to a stage of life where we are co-signing on kids apartments and we've bought a vacation property that we rent out. The vacation property is inside of an LLC with its own...

Looking for advice from people with experience renting vacation homes. We recently bought a beach house (:dance:) and are renting it 10 weeks/year to defray some of the operating costs. The asset/expenses/insurance are all run through an LLC. We set this up on a bit of a crash program so I'm...

DW and I think we have found our target beach house (:dance:) but we've decided to take a different approach to the asset which will cause me to spend more than planned. To raise the cash needed, I'm doing tax-efficient selling. Specifically: I want to sell 720 shares of QQQ in various lots...

I like to think about big financial things in advance (what ifs) so as to avoid decision making in the moment). This is in the what-if category... Not long ago we had a number of threads that bonds yields were so low it was essentially impossible to make real returns on bonds. Real yields...

So this is an interesting -- and disconcerting -- article. Apparently a few Chinese banks have gotten themselves in a bad spot and are refusing to allow customers to withdraw money. Led to protests and an ugly clash with the police. Small banks but still disconcerting. Particularly as two...

So, I took a big step towards the exit yesterday. I'm wrapping up an expat assignment and have been in career discussions about what job I will take on when I get home. A couple weeks ago my boss asked me to think about the "job after the next job." Go one more time in a senior operating role...

This is a thoughtful article on the relative risk/return of holding bonds vs. equities during periods of extended rate hikes. Basic gist is that rates tend to depress the performance of other asset catgories and the risk/return of holding bonds is actually better than most alternatives during...

Having just turned 50 and with FIRE getting close in the headlights, I'm doing a very structured review of my AA. As many will know: I am a passionate indexer and AA... ...but the shocking concentration of Apple, MSFT, Google, AMZN and TSLA within the big indices has my attention. I did my...

Hi. DW and I plan to buy a beach house next fall, so I'm stock pilling money for a down payment. With inflation running, figuring out what to do with money that is explicitly set aside for shorter term needs is a conundrum. (I've posted on that overall question before, don't want to rehash...

Warning: I'm starting this thread for fun. The approaches discussed are not ideas typical investors should seriously consider let alone actually execute. This is intended for the finance geeks who like thinking about/discussing this stuff. With that disclaimer out there... I've made a...

Hi all. This is a high class problem...but its still a problem.... I normally stash bonds and REITs in my IRAs...but I've hit the point where my allocations to those asset classes are greater than what I can keep in those accounts. Suggestions on how to handle? Seems like the options are...

Hi. We're living through a reminder that life is uncertain and I thought it would be a valuable reminder for others as well. My wife came very close to dying over the last month. Five weeks month ago my healthy, 48 year spouse looked at me and said "I have a chill." It was the day after her...

Hi all. I just noticed that Schwab's TIPS ETF appears to have stopped paying its dividend this year. Anyone know anything about this one? I completely missed it. Thanks

Does anyone know of a good tool that can help find an optionable stock/ETF with a high correlation to another stock? For example, if i wanted to hedge exposure to Stock A by buying puts on Stock or ETF B?

Anyone who's read my posts knows that I'm firmly committed to establishing and following an AA, I don't try to time the market, etc... But I have a lot of time on my hands suddenly and the market volatility is spectacular. So I'm thinking of setting up a "for fun" trading account with a modest...

Sorry for yet another Roth Conversion thread, but I didn't see an old one that was on point for my specific question: So, my question: I have traditional IRAs, but I paid taxes on the principle when it went in because I also have a 401K that I max annually. I now have funds that are...

I just spent time combing through the wreckage. One thing that popped out at me was the opportunity do some tax loss harvesting. I normally think of this as a year-end activity. Looking back, I have some ETFs/Funds where everything I've purchased in the last 3 years is underwater right at...

As I watch US government yields implode, and even flirt with negative territory, I start to wonder at what point holding to an asset allocation becomes a version of the greater fool theory? Asset allocation/rebalancing is about managing risk and hopefully creating some counter-cyclicality. But...

Hi all. As some of you may recall, my family and I recently moved to the UK for work. Amazing amount of stuff to settle into as an expat. One thing I didn't see coming was that with every credit card, paypal, bank, amazon, and other service in the universe now requiring an SMS verification to...