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  1. Since we're talking estate planning... If I do go to a lawyer, what should I already have done, what do I need to bring, and what questions should I be prepared to answer at a consultation so that I can make productive use of the time? Also, how do I pick an estate lawyer?
  2. Round 9: Smerz - Flashing Round 10: Miguel - So I Lie I'll stop here as work is crushing me but thanks all for sharing; I have a TON of new music to listen to now.
  3. Sorry for slacking. Round 2: Twin Shadow - Johnny & Jonnie Soundtrack to my summer. 80s dub influences. Plus I'm a sucker for a sax solo. Round 3: Kali Uchis - Telepatia More summer vibes. Pool sitting music. Round 4: Amyl and the Sniffers: Guided by Angels "This video is the equivalent of being the only one on coke while all your mates are on weed" Round 5: Shannon and the Clams: Year of the Spider Found through a prior FBG draft.
  4. This. And if you regularly make charitable contributions, you can lump give this year (IE pay forward your expected giving over the next few years this year). One way to do this is through a donor advised fund. After funding the DAF, that money is no longer yours and is earmarked to give to charity but you get to decide to which charities and when. Fidelity and Vanguard both offer DAFs, which makes it easy to donate appreciated shares. Lumping is also a good strategy to lower tax burden if you regularly give but not enough to meet the standard deduction. By lumping 2-3 years worth's of contributions into one tax year you can exceed the standard deduction and get "credit" for at least some of your giving.
  5. WSJ Editorial Board’s Contrarian Take: [quote]The Food and Drug Administration gave hope to millions of Americans suffering from Alzheimer’s disease on Monday by approving Biogen’saducanumab, the first treatment shown to slow cognitive decline. Credit to Acting Commissioner Janet Woodcock for resisting pressure from the public-health left who campaigned against the drug… …The FDA’s approval offers much-needed reassurance to U.S. drug makers that it won’t bow to political pressure and let biotech breakthroughs go to waste.[/quote]
  6. Enjoyed the EHT small batch quite a bit. Well balanced with vanilla caramel cherry and bread notes with a medium body and minimal burn. Easy drinker that I’d love to pick up for home consumption if I could ever find it.
  7. Thanks guys will try the EHT. The Stagg Jr sounds like it might be bit much for me proof-wise.
  8. Halp! Urgent bourbon advice needed. The below are all on the bourbon menu of a restaurant I’m headed to tonight, all $16-20: Stagg Jr $20 Eagle Rare 10 $16 EH Taylor Small Batch $16 Elmer T Lee $18 Which one should I pick and why? I’ve never had any Buffalo Trace product (can’t find in my neck of the woods). The bourbons I’ve enjoyed the most are Woodford Double Oaked and 4 Roses Single Barrel. TIA!
  9. You have to sign up for a treasury direct account: https://www.treasurydirect.gov Not sure if it’s been mentioned but the annual $10k I bond limit is per SSN. So for a married couple you can buy $20k in I bonds yearly. The only way to get paper I bonds is by requesting as your tax refund or for overpayment. And it’s a $5k limit.
  10. I have also been accumulating I bonds and will plan to buy at the end of May. These beat any HYSA, CD, or short term bond fund by a mile. I bonds are great for any funds where your goal is reasonable liquidity and capital preservation. Here's an article in which one financial writer presents how to use them as an 11 month CD. A few more details on them: 1. You get credited interest for the entire month, regardless of purchase date, so buying at the end of the month is preferred 2. Interest earned is state and local income tax exempt 3. Interest earned is also federal income tax free if used for 'qualified higher education expenses', though income limits apply All that said, your money is probably better off in dogecoin.
  11. Sorry about your restaurant and happy to hear you made it through! Bonds are ballast for your portfolio and a source of "dry powder" if you have the stomach to rebalance during stock market drawdowns. For an early accumulator they are not as important as closer to retirement. And as a small business owner I am guessing you have some debt, which can be thought of as negative bonds. Hopefully you have a large emergency fund and if that is the case than no bonds is reasonable. But high dividend stocks are not bonds and I don't think there's any evidence that they are less prone to big drops than the broader market. Vanguard's high dividend yield fund (VYM) did worse vs it's S&P fund (VOO) during the big drawdowns in March 2020. So don't expect them to be "safer" than your indexes in your IRA (assuming you have total market funds). And don't forget taxes. They are a major factor in returns. Dividends are basically forced capital gains. If you want to implement a dividend-focused strategy it makes more sense to do it in your tax-protected space as you won't pay any taxes on dividends. One way to do this is to sell off lots of your indexes in your IRAs and buy equivalent amounts of the same index in your taxable. Then use the freed up cash in your IRA to invest in the dividend stocks you like. Index funds are also easier to tax-loss harvest (which you can only do in your taxable accounts) than are individual securities.
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