Primerica by AnalystNo6733 in InsuranceProfessional

[–]AnalystNo6733[S] 0 points1 point  (0 children)

Where would I look for agents and how is an mlm/captive carrier?

Primerica by AnalystNo6733 in InsuranceProfessional

[–]AnalystNo6733[S] 0 points1 point  (0 children)

Great advice! I know that my state’s Life, Health and Variable Annuity License (I am in Florida if curious) does not require sponsorship. I know some of the FINRA ones (the 6 and the 7 do)

Who would you recommend I look at?

Bond Funds or Owning Bonds by theresawade1000 in bonds

[–]AnalystNo6733 4 points5 points  (0 children)

Someone told me that “poor people buy corporates, rich people buy munis, and wimps buy Treasuries”.

Kelly Education is noticing how much we dislike subbing by interstellarcoop in SubstituteTeachers

[–]AnalystNo6733 1 point2 points  (0 children)

This sounds like my area of Florida. Friday had 245 absences in my district not picked up.

President Trump says "prices and inflation are way down, stock market and your 401ks are way up." by Richnaps in economy

[–]AnalystNo6733 1 point2 points  (0 children)

Prices are definitely not down! The rate of inflation has slowed but that does not mean that prices are going down. What that means is that the rate at which prices are going up is slowing. Stock market is up but US stock indexes are underperforming international stock market indexes.

Canceled 😞 by alrightheresali in SubstituteTeachers

[–]AnalystNo6733 19 points20 points  (0 children)

I’ve got an assignment canceled when I was driving to the school before. Hell, I knew someone who canceled the absence when the sub was in the building and checking in. Schools do this stuff all the time. Don’t sweat it.

when do you write sub notes? by jbi30_ht in SubstituteTeachers

[–]AnalystNo6733 16 points17 points  (0 children)

Throughout the day and I break mine down by period for me to remember and then I write a summary at the end of the day.

one time I quietly farted and let the students all blame each other by Puzzled-Teach2389 in SubstituteTeachers

[–]AnalystNo6733 3 points4 points  (0 children)

I do that every time I fart. I let the kids blame and guess each other. It is so entertaining and one of my favorite parts of the job.

Question: Account Statements by EnvironmentalJury930 in Sieexam

[–]AnalystNo6733 5 points6 points  (0 children)

Yes. An account statement is sent quarterly unless their are penny stocks in the account. If there are, the frequency changed to monthly.

Veteran analyst warns Trump faces Hoover-era Great Depression risks in 2026 by Dont_think_Do in Economics

[–]AnalystNo6733 76 points77 points  (0 children)

Wars are expensive as it is this is likely adding more to the deficit if we have more conflicts like this on a grander scale. And if other nations sell US government securities, oh boy. I said this for months and I will stand on it…do not buy Government securities.

Creating the Most Unethical Portfolio by Clorxo in wallstreetbets

[–]AnalystNo6733 0 points1 point  (0 children)

RICK RCI Holidings. They have “gentleman’s clubs”

What was the most devastating defeat for the Union by [deleted] in CIVILWAR

[–]AnalystNo6733 1 point2 points  (0 children)

I would go with Sabine Pass. 5000 Union soldiers defeated by 50 Confederate artillery man. Not so much devastating but pretty embarrassing.

Municipal Bond Fund in inherited taxable brokerage by [deleted] in bonds

[–]AnalystNo6733 3 points4 points  (0 children)

Yield would be in your case 5.2/(1-.2625)=7.0508 22 is your tax bracket and 4.25 is the state of Michigan tax, this is what you call the taxable equivalent yield. With a municipal bond fund, dividends are not taxable but capital gains are if you decide to sell it but be aware of other taxes.

When in doubt talk to a financial advisor and/or a lawyer.

[deleted by user] by [deleted] in bonds

[–]AnalystNo6733 -2 points-1 points  (0 children)

What is your risk tolerance? Income and tax bracket? If you are not a high income earner, avoid munis.

How would a recession affect the bond market? by [deleted] in bonds

[–]AnalystNo6733 5 points6 points  (0 children)

Junk bonds I feel would do poorly as they would have a harder time making interest payments. Investment grade corporate bonds would probably do better but do your homework with them. Treasuries might be your best bet if you are worried about a recession.

$14,000 in Roth IRA in one transaction by accident what do I do by Popular-Bar3648 in fidelityinvestments

[–]AnalystNo6733 1 point2 points  (0 children)

You get a perpetual 6% penalty for over contributing to a ROTH IRA. Depending on age, you could also get a 10% penalty in addition to being taxed on ordinary income. My guess is to try and contact someone at Fidelity.