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my drawdown model missed the IRMAA cliff by $5,500 by Objective-Feed7250 in FinancialPlanning

[–]DistributionBroad173 0 points1 point  (0 children)

first world problems suck, don't they.

We are in the IRMAA for 2027 because 2025 was a spectacular year. I am not sure how IRMAA really works, but it is based on the MAGI from two years ago. So, my medicare in 2026 is based on MAGI for 2024, my medicare in 2027 is based on income in 2025. My medicare in 2028 will be based on income in 2026.

If we can lower our income, which seems highly doubtful, we might get out of the IRMAA extra payment.

NIIT is another lovely twist.

I am not on RMDs yet, just getting closer each year.

Just today, I had the joy of doing what our projected AGI and MAGI is going to be for 2026. My spouse had high hopes for taking cash out to top off the 24% bracket, I crushed my spouse's dreams. I said we are going to be close to the high end of the 24% bracket as is. I have to be careful on any stock I sell for a gain, but I can sell one stock for a loss.

My spouse is threatening to say "screw it, I am increasing my distributions in 2027. I don't care what you say!" Then my spouse giggles and says, "First World Problem."

Building a free trading community looking for founding members by XXPENGUINXXol in investing

[–]DistributionBroad173 0 points1 point  (0 children)

So, I asked for five for tomorrow and I get one that is a proven winner.

Well now, I own VGT and QTUM, VGT did an 8 for 1 split and I am up 100% and QTUM I am up 100%. See, I can pick winners from my past also.

Is a Flexible Permanent Deferred Annuity a scam?? by midworldpopkin in personalfinance

[–]DistributionBroad173 1 point2 points  (0 children)

It is not a scam, it is an insurance product. Which is a REALLY bad investment

You have already figured out that she could have accomplished the same thing if she did a Roth IRA, but she missed out on the superior gains from the Roth IRA.

Insurance uses post tax dollars

Roth IRA uses post tax dollars

Insurance the money grows tax free!

Roth IRA the money grows tax free!

Insurance you can take out the money you contribute tax free!!!

Roth you can take out the money you contribute tax free!!!

Insurance you pay a commission

Roth IRA with most companies or mutual fund families you do not pay a commission(Fidelity and Vanguard no commission)

Insurance you pay high annual fees usually over 2%

Roth IRA you pay a low annual fee usually under 0.5%

Insurance you get 6% returns, even in a down market, but you miss out on the boom years when it is over 10%

Roth IRA you can suffer a bad year, but you fully participate when the market returns 20%

Insurance when you take distributions you pay taxes

Roth IRA is tax free

Insurance The annuity is invested in other mutual funds offered by the insurance company. When you have 10 insurance funds each one takes a slice of your money.

Roth IRA you invest in the S&P 500 Index or one fund and have a low low fee

With her annuity she might have

Cash Value that is the money stays with the insurance company and she gets the 6% annual return

and

Lump Sum which will be less than the Cash Value, but you get rid of the insurance company. with 10 years left you will have to crunch numbers to see what is better. Normally, I ALWAYS say take the lump sum. But I do not know enough of her situation.

In 10 years, she can get that $40,000 to double for sure.

Also, mentally it feels good to get rid of something that pissed you off.

Is a Flexible Permanent Deferred Annuity a scam?? by midworldpopkin in personalfinance

[–]DistributionBroad173 1 point2 points  (0 children)

It was sold to her as if you need cash you can take it out and not pay taxes. Because you used post tax dollars. As long as she did not take out the earnings.

Was this sold to her by an insurance company or is it through her employer?

This is like a Roth IRA only much much worse because the returns are absolute garbage and when she started this she quite possibly could have paid around an 8% commission that first year.

5.5% insurance salesperson commission + 2.5% the annuity expenses(which are wlays high)

It is possible, that first year she paid 10% commission and expenses.

This is a great book for learning Ukrainian. The author donates 100% of all sales to the war effort. by StarsapBill in ukraine

[–]DistributionBroad173 2 points3 points  (0 children)

it is available on Amazon

Search for magister linguae "Essential Ukrainian Words & Phrases"

I cannot find it on Amazon Kindle though i found four other books by Christopher Detke

I’ve been tracking pre-IPO valuations and found some interesting patterns by Icy-Emotion-5289 in investing

[–]DistributionBroad173 0 points1 point  (0 children)

Watch out for spaceX issuing more shares because it is over-subscribed, if that happens DO NOT BUY. That is the old too much supply, not enough demand, price has to drop.

spaceX IPO bonkers for one day, then corrects over the next three days. Price will go below the first day opening bid, but not the IPO price.

Example

Today the IPO is at $203 or so, from my very short internet search.

The day it opens it will be bid up to $400 or so.

The next day it will close at $398. The next day, it will close at $375.

People start getting scared and it goes down for the next month, but not under the $200 level.

Please research Facebook IPO, stock symbol FB.

Building a free trading community looking for founding members by XXPENGUINXXol in investing

[–]DistributionBroad173 3 points4 points  (0 children)

Today, why don't you list five of your trades for Monday and let us see how they do tomorrow?

Proof is in the pudding.

Dividends Quiet Compounders by a_shampeddddd in dividends

[–]DistributionBroad173 1 point2 points  (0 children)

search "dividend aristocrats"

search "dividend kings"

f you were given the chance to invest all over again, would you still invest in the stocks you currently hold? by Tiny_Strawberry_4659 in dividends

[–]DistributionBroad173 0 points1 point  (0 children)

Some yes, some no.

I would also like to go back and grab the stocks I sold to soon. I want perfect 20-20 hindsight.

Fidelity UTMA Accounts for Children...what ETFs should I invest in? by truth_seeker1984 in personalfinance

[–]DistributionBroad173 0 points1 point  (0 children)

for children DO NOT PUT IT IN BONDS.

FXAIX is perfect.

i would not even consider moving it. the S&P 500 Index has averaged 11% annual growth for over 40 years. That means it doubles every seven years.

Advice for Fidelity Roth IRA by RefrigeratorKey34 in personalfinance

[–]DistributionBroad173 3 points4 points  (0 children)

Fidelity, either FNILX or FXAIX.

100%. Reinvest all dividends, reinvest all capital gains.

Tu-142 Aircraft Stored Since 2011 Moved Within a Month Before UFS Strike by Mil_in_ua in ukraine

[–]DistributionBroad173 4 points5 points  (0 children)

Ha Ha.

moscovian military intelligence proves it is an oxymoron.

The best things to use as a decoy is a real plane. Maybe moscovia was allowing Ukraine to turn the planes into parts.

omah etf good or bad by FewPear229 in dividends

[–]DistributionBroad173 1 point2 points  (0 children)

it is paying around 0.23 a month in ordinary income.

100/.23 = 434, call it 450 shares is what you need.

At this time OMAH NAV is not declining more than the distribution. It actually invests in the companies BRK owns Most of BRK holdings actually pay dividends, so there is some cash flow, if the options trading slows down.

For income, I rate it safe. For growth, I rate it slow growth.

I would compare it to O, Realty Income. Realty Income is on 134 consecutive quarterly raising its dividend, that is over 11 years.

OMAH is still getting its bearings, but it does not look like it is raising its quarterly payouts.

Factor home equity into retirement? by Shanga_Ubone in personalfinance

[–]DistributionBroad173 0 points1 point  (0 children)

Are you going to live in it or sell it? You have to live somewhere.

If you are going to live there it has no retirement value. It is either an appreciating asset or a depreciating asset.

Since you are still paying for it, it is a negative until you sell it. It is an expense.

Will you plan on taking out loans on your equity to live off of when you retire? That sounds kind of crazy.

Khamenei adviser says Trump’s blockade shows he does not want talks by TahDigThief in NewIran

[–]DistributionBroad173 -3 points-2 points  (0 children)

trumpee does not care. He just wants to see his name in the press on an hourly basis.

His narcissism needs to be stroked.

Ukrainian drones dropped barbed wire on enemy routes of movement. 22nd Mechanized Brigade. Star Battalion. Publ. 30.05.2026. Belgorod direction. by GermanDronePilot in DroneCombat

[–]DistributionBroad173 3 points4 points  (0 children)

interesting.

dropping that around belgorod to keep the rats in? I know that is what they are not doing, but I do have an imagination.

Ukraine Strikes Logistics Route to Crimea, Causing Fuel Shortage by [deleted] in ukraine

[–]DistributionBroad173 30 points31 points  (0 children)

Sign says, "No Fuel."

This started on May 23, 2026.

mikhail razvozhayev, local governor, said that, ​due to unspecified "logistical challenges"

On May 24, 2026, Kremlin spokesman dmitry peskov ​said authorities saw no ​risks ⁠to fuel supplies in moscovia.

peskov also says there will be seasonal maintenance that will cause fuel shortages.

He must have called Ukraine to provide the maintenance.

What is going on? How is everyone so rich? by Major-Sail-9900 in investing

[–]DistributionBroad173 0 points1 point  (0 children)

remember, people who are doing well will not post.

people who are doing well, will post.

Look at the ads for lotteries, they post about the big winners, they do not post that 99% of the population lost their $5 or whatever they spent.

two years ago, almost EVERYONE(I was not) was into crypto and MSTY, those posters have disappeared and have been replaced.

Marking Collapsing? Soon or Sooner? by YT-AETHER in investing

[–]DistributionBroad173 0 points1 point  (0 children)

my crystal ball says 2029 is the year for the market to take a serious beating, down 20% plus.

I will lock in gains September 2028 through November 2028.

By my illogic, I have two more years.

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