Wow, were they wrong. All those big-shot mutual fund companies and money managers talking about the virtues of ESG and DEI. Their home pages were loaded with how this was the future. Of course, it was not the future but just another way to charge customers a higher fee. What amazes me now is that […]
Will California Bond Investors Get a Taxpayer Bailout?
We live in a dangerous world where manmade disasters are as deadly as natural ones. What we’re seeing with the wildfires in California is a combination of both. It’s why, when you invest your hard-earned money, you need to think first about the return of your assets and only then about the return on said […]
Are Your IRAs Compliant with the IRS RMD?
Are you compliant with your required minimum distribution? If you turn 73 or are older, you need to take an RMD from your IRA by the end of this year. It’s calculated based on an IRS table (see Fidelity’s below)—a divisor, divided into last year’s yearend balance. That’s a lot of acronyms. Is it any […]
Freezing Cold Temps: Emergency Prep Too Late?
When it’s freezing outside, and the temperature doesn’t match your clothes, it’s time to think about preparing for the next freeze-up. In times like these, we realize how important food, water, and shelter are and how quickly things can change. And don’t get me started on the human factor. There are those looking to do […]
A Bright Beacon of Freedom, A Lighthouse…
In 2025, New Hampshire eliminated its tax on investment income, opening its doors wide open for retirees living on a fixed income. Sure, municipal bonds could do the trick, but as I mentioned a few weeks ago in my prediction for 2025, I’m no fan of munis. In New Hampshire, if you’re a skier, you […]
Your Survival Guy: “Going to Carolina in My Mind”
South Carolina, Texas, North Carolina, Florida, and Tennessee round out the top five in “Uhaul’s Growth States of 2024.” Your Survival Guy has spent time in or visited all of them. If you’re a golfer and like boating, South Carolina is hard to beat. Having spent many years golfing in Myrtle Beach with my dad, […]
Your Survival Guy’s Predictions for 2025
You know Your Survival Guy isn’t big into making predictions. Everyone’s got them, and when it comes to money, no one remembers you when you’re right, and they never forget when you’re wrong. Not my cup of tea. Which is why I predict this year will be a good year to get your fixed income […]
Survive and Thrive December 2024: Boom or Bust: “What Do You Think of Bitcoin?
Dear Survivor, If you’ve been breathing, then you’ve heard about bitcoin. Your Survival Guy is asked all the time, “What do you think of bitcoin?” Years ago, I was getting my hair cut and was asked about it. I said, “I don’t like it. I don’t see the value. I like the distributed ledger or […]
Flat Tax: The Next Step in Tax Reform
You saw during the pre-Covid era in the first Trump administration what kind of economic power the Tax Cuts and Jobs Act (aka, the Trump Tax Cuts) had on the economy. Before the introduction of the China virus, the economy was banging on all cylinders, and unemployment was extremely low. In The Wall Street Journal, […]
Your Survival Guy’s 2024 Super States: Time to Flee?
Originally posted February 29, 2024. Your Survival Guy’s 2024 Super States is in, and I wonder: Is it time to flee? Because this is the beginning stages of a tectonic shift in America. You and I know the moving vans are gassed up and running. They’re ready to leave the big, blue-blob states on both […]
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