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I really don't understand why everybody is commenting "CC fees have been already baked into prices, why charge fees now?". Read the news. Businesses, especially restaurants, have been ransacked by higher costs. Labor either with min wage increases or people just refusing to work (restaurants...

Interesting utoob vid yesterday about the new treasuries in the quarterly refunding announcement: * $125B offering, of which 107.8B to refund existing and new cash raise of $17.2B... so 86% goes to refi old debt. * New issues skewed to short dates to keep the rates on 10year + from rising and...

I went to sell a 25 CDs at Fidelity (CUSIP 90355GDS2) this morning. The screen popped up that there was no market for this CUSIP and that I would have to request a quote, which was not unexpected. I get a quote of $98.783... significantly below the 3rd party price of $101.202. Again, not...

I bought one of the Eagles DVDs that mixed in a little documentary that included the Don Felder expulsion. It wasn't 3rd party it was a straight Eagles release... it's packed away in a moving box somewhere or I'd point to the title. It was surprising that their own DVD laid it bare that the...

I bought some physical in 2008/9 and have added etf OUNZ (supposedly can redeem for physical) and 2x leveraged UGL in pre-tax accounts to try to inflation barbell what is otherwise all fixed income. The upswing is nice. But I don't have enough allocated to it to be able to say I'm "winning"...

The extra 1% cashback vs. the Fidelity/Elan Visa card will easily cover the $50 gold fee. And the card has the capability for virtual card #'s with Fidelity's doesn't. https://www.zerohedge.com/technology/how-can-robinhood-afford-3-cash-back-its-new-credit-card

It's based on full year income, BUT, your subsidy amount may change. My wife went on Medicare 3/1. Based on tips found here, I had split our ACA policies into two individual policies when we enrolled in ACA last year for 2024, instead of 1 joint plan. I was expecting to just cancel her ACA...

My parents signed up for Science Care (believing they were donating their bodies to science). When mom died it was 1 phone call while I was at the hospice facility and Science Care handled pickup and death certificates. No pre-pay. $0 costs. Includes optional free return of cremains of the...

Add up the number of years you expect to collect (life expectancy - age of benefit start). Multiply that by your annual benefit amount = total benefits you expect to collect. Divide total expected benefits by (life expectancy - current age) = average benefit you expect to collect over your...

Nobody is using Colon Blow??

Fidelity's bond pages have some new/recent quirks... a couple of days ago it started with the YTW=YTM.... before that they were different values. So I'm assuming its a bug. Not a recent problem on Fidelity bond yields are values for the extremely short maturities... the extra $1 per thousand...

Fidelity's own bond analysis tool (not in FullView) can't figure out the credit rating on CD's and groups them in "other". One thing to check is the different ratings agencies score on the same bonds. FullView might be using Moody's which doesn't have a BBB score (and seems to actually rate...

But I don't start until age 75 and even though the tool collected birthdate it has me starting at age 73.

since you're considering replacing it with REITs, an attorney once suggested 1031 into a Delaware Statutory Trust. Too exotic for my blood but might be worth it for you with the size of the tax hit.

based on projections, you can pad your profit by cutting the cocoa with coca.

That tool doesn't seem to take into account the "new" RMD start ages... I don't have to start until 75 but the tool is still starting at 73.

If you sent a copy via email, the copy is probably still in your sent folder. I don't know anything about that specific phone number so I'm not saying it's not a scam. But be aware that these "scam/spam caller databases" are just people clicking to report a number... and sometimes people are...

This link should take you to Table III in IRS pub 590 https://www.irs.gov/publications/p590b#en_US_2022_publink100090310 Divide your total IRA+401K balances (seperate calc for your spouses IRAs) by the number in the table for your age (ex 27.4 at age 72) for your first years RMD.

Google "synthetic risk transfer"... the "new" mechanism for banks to keep doing what they're doing while spinning of the risk to others.

This has been on "alternative news sites" for almost a year. Suddenly. In the last 24 hours. The news is full of stories walking it back: "U.S. regulators are expected to significantly reduce the extra capital banks must hold under a proposed rule that has drawn aggressive pushback from...

Costco has ASE tubes of 20 today for $550 ($27.50 each). S&H included. No CC fee. 2% cash back on the credit card. 2% costco "rebate". No sales tax (depending on your state). Can't beat that at apmex/sdbullion/jmbullion.

An easy transition depends a lot on if it was their idea to move or not and the individual personality. If they were "forced" in (in denial that they needed to) they're likely just going to sit and bitch no matter how nice the facility/staff/food. My observation might be biased with dad having...

No signed disclaimers required at Fidelity for their FBTC ETF. Fido does have it's own separate digital assets "group" that requires a special account signup. My gambling money (actually a barbell to UST/CD/GSE bonds) is up 34% since January.

Do you really believe that the cattle on over 1M acres (just one of the fires) were loaded up and moved out of harms way in less than 2 days? The ranchers opened gates and cut fences to allow the cattle a chance to get out of the way, but the fire moved so fast estimates are over 10,000 head...

If your going to use the parents dying age, you need to do more than "Subtract 2-3 years for the final fatal illness and that is your QTR". Dad's been dazed and confused for at least the last 10 years. 11 years ago I noticed that both parents were just struggling day-to-day with the results...