I used the Wm Bernstein strategy: Higher income/ interest producing assets in tax deferred. Especially bonds. Lesser producing/ lower tax rate/ self-deferring assets in taxable Of course when we hit 70.5, the tax bills are going to come due. But supposedly all the years of deferral have made it wort...

Paywall article, but you can see enough to get the drift, from an industry publication.

https://www.americanbanker.com/news/you ... s-fix-that

I would be 99.999% sure that Vanguard held stocks underlying the index are simple book entries for Vanguard. Apparently through the entity you brought up.

murphy_p_t wrote: ↑Wed Apr 21, 2021 7:06 am Here's a short Wikipedia relating to the subject

https://en.wikipedia.org/wiki/Cede_and_Company

Well, that's fascinating.

Are you just setting it up now, or do you already have the assets? The reason I ask is, if you already have the assets, I don't see how i can be worthwhile to move them around, given the tax consequences of the trades.

boglerdude wrote: ↑Tue Apr 20, 2021 9:22 pm When in doubt, Vanguard. Too big to fail.

That’s a perspective I had never considered.

Guilty on all counts.
Let the mostly peaceful celebrations begin.

Apple picked a very unfortunate date for their latest product reveal.

Yeah but a lot of people are jumping on the rates too.
A $300K loan at 3% for 30 years has a payment of less than $1300.

Flyingpylon and Cortopassi, my answer is YES. Spend and enjoy it. Neither of you are going to endanger your futures.

I think the inflection point occurs when, after allowing for contingencies, you can tell that you are going to have enough at the end. However you define enough.

I think "trust fund babies" are more the result of bad parenting than having a trust fund. It's hard to know what happens once significant money enters the picture. Especially for later generations that we won't be parenting. Where to store gold, and what to leave for future generations, ...

I suspect people might get worried about "oversaving" in cases where they don't like what they have to do to make the money. If you hate your job, it would make sense to not work at it a second longer than necessary, and therefore figuring out how much is 'necessary' is important. I think...

Last week I increased my D dosage. Now I’ve been not sleeping deeply. Looked it up, D can reduce melatonin. So I’m going back to the prior, lower dose.

Tyler wrote: ↑Sun Apr 18, 2021 11:14 am

I Shrugged wrote: ↑Sat Apr 17, 2021 10:00 am None of these are Fort Knox.

Getting some ideas?

I was a bit struck by the ordinariness of these buildings. Seems like a team of commandos could get in and out. Although Dave is right about employee theft.

The problem is, you can't predict the situation in which you end up. If I had known then what I know now, we would have done a lot more (things, spending) in the prime of our lives. Or would we have, really? We could always tell we were going to have "enough", as the term is used in Bogleh...

I have a lot of thoughts on this. It has become one of the cosmic questions for me. I feel like I need to write a book about it just so I can figure it out. :) If I can clarify my internal ramblings a little, I'll try to post some points, feelings, observations. I usually do that by writing anyway.

Vinny used up all the forum’s exclamation marks, and DS is out scrounging for more.

SWP Caymans: https://www.google.com/maps/place/Strategic+Wealth+Preservation/@19.2909904,-81.3729857,193m/data=!3m1!1e3!4m5!3m4!1s0x8f2586686dae0937:0x2e3c70a694aa02bf!8m2!3d19.2910694!4d-81.3726316 Das Safe, Vienna: https://www.google.com/maps/place/Safe+Wertfachvermietungs+GmbH/@48.207257,16.35452...

Moving now. it's up a hundred bucks over recent lows.

It's a very interesting article. I had no idea that if you had enough firepower you could run the IRS in circles that easily. boglerdude, well that day is surely coming. Let's recall that the OBiden-Bama era IRS targeted conservative tax exempt groups. Lois Lerner lied to Congress about it and didn'...

"over 110,000 people are currently on the waiting list for a life-saving organ transplant." So, worth the risk If these creatures have any amount of human intelligence and social skills, this is going to be hugely immoral. We don't know what it will be. Maybe the scientists do, but we don...

Scientists Create Embryos That Are Part Human, Part Monkey Plans to create this new species for organ harvesting. Jeesh! https://www.iheart.com/content/2021-04-16-scientists-create-embryos-that-are-part-human-part-monkey/?mid=609321&rid=98632467&sc=email&pname=newsletter&cid=NATIONAL...

Here's a lefty magazine's article that says that a lot of what was force fed as "the science" was probably wrong. Imagine that! Someone tell Twitter. Executive summary: You can stop sanitizing surfaces and items, and focus on airborne transmission. https://www.theatlantic.com/ideas/archive...

If there is a sea change, it's the financialization of the economy, and the casino-ization of the investment world. Do you know there are more ETFs than stocks? And Robin Hooders playing with futures, just like betting on sports. So then the question is, are there fundamentals and value somewhere un...

Don't know, but I'm buying.