The Transitional Phase of Covid-19 We are in the Transitional Phase of Covid-19. I initially described this phase in my book From Killer to Common Cold: Herd Protection and the Transitional Phase of Covid-19, written in the summer of […]
What Are QLACs? What are QLACs and should you get one? Another “good annuity” is gaining interest: the QLAC (Qualified Longevity Annuity Contract). This is “a DIA for your IRA.” A QLAC is a Good Annuity, Too! A QLAC lets […]
A Good Annuity Comprehensive Guide to SPIAs What is a “good annuity?” It is an annuity an advanced investor might want to buy! Usually, you are sold annuities, but not so with a good annuity. When considering retirement income, should […]
W-2 Income Tax Deductions from Farming and Ranching If you have W-2 income, what tax deductions are fair game to shelter some of it? Well, of course, we are well beyond talking about the hobby rules here; you have […]
UTMA for Children from Grandparents I opened a UTMA for my first grader. Then, two days later, I opened two more for my younger twins. A Uniform Transfer Minors Act (UTMA) is the best place to put money from […]
Debt is Like a “Negative Bond” A mortgage is like a negative bond, and leverage increases risk. Jonathan Clements describes debt like a “negative bond.” He suggests if you have $100,000 in bonds and $100,000 in debt, your net bond […]
Rising Equity Glide Paths and Early Retirement Rising Equity Glide Paths are an important consideration for those facing early retirement. You have a long horizon, so you want to be aggressive. This, however, sets you up for sequence of returns […]
Cash Flow Index vs Debt Snowball? Cash flow index. Who knew there is a third strategy for debt repayment? Traditionally, Dave Ramsey followers subscribe to the debt snowball where the smallest debts are paid first to free up money and […]
In Marriage QDRO to Reduce Taxes or Invest in Real Estate An In Marriage QDRO can reduce Required Minimum Distributions (RMDs) or otherwise allow you to access money inside a 401k (say, to invest in real estate). Let’s talk about […]
