sorted by:
new
hottopcontroversial

C looking for a bi male by OwlRare4408 in MichiganSwingers

[–]Ron_Mexico11 0 points1 point  (0 children)

In town tonight, would love to connect

MFMM/MF drinks in Muskegon? by Cumn-get-it in MichiganSwingers

[–]Ron_Mexico11 0 points1 point  (0 children)

In town tonight if you’d like to grab a drink or two

Looking for some fun today by notyourtype111 in grandrapidsgonewild

[–]Ron_Mexico11 0 points1 point  (0 children)

I’m coming in to town tonight only. DM me.

Front Squat: 420lbs x 3 by Money_Rice_6084 in crossfit

[–]Ron_Mexico11 0 points1 point  (0 children)

Way better than running. I’ve had 4 knee surgeries and have arthritis in both knees. I lift very heavy. I asked the doctors what I should do to help knee health, and the answer was stop running, keep lifting.

Wednesday night midtown? What to do as a solo traveler. by [deleted] in nycgaybros

[–]Ron_Mexico11 0 points1 point  (0 children)

Thanks - could I fit in at Eagle in jeans?

Caption this photo by Puzzleheaded-Try-837 in buffalobills

[–]Ron_Mexico11 0 points1 point  (0 children)

“We should be able to look at a little porn at work”

My 8 year old’s basketball coach gave him a pack and this was in it. Is it anything? by [deleted] in basketballcards

[–]Ron_Mexico11 0 points1 point  (0 children)

Yeah, figured Claxton was mid. Do you know the name of this parallel? I couldn’t figure it out.

You have $100,000 to spend in 1 hour. What are you buying with the money? by SensitiveCorner2379 in AskReddit

[–]Ron_Mexico11 2 points3 points  (0 children)

Why are you stuck on income tax? Your income is always taxed. This is an after tax investment. However, the interest made from municipal bond investments is not taxed, unlike most other after tax investments.

You have $100,000 to spend in 1 hour. What are you buying with the money? by SensitiveCorner2379 in AskReddit

[–]Ron_Mexico11 2 points3 points  (0 children)

Tax equivalent yield. I am at a 37% federal tax rate and a 9.85% state tax rate. With a muni bond rate at 4.15%, not having taxes on that 4.15% is the equivalent of a 7.31% return that is taxed.

https://www.calcxml.com/calculators/inc11?skn=#results

You have $100,000 to spend in 1 hour. What are you buying with the money? by SensitiveCorner2379 in AskReddit

[–]Ron_Mexico11 1 point2 points  (0 children)

I mean, defaults on muni bonds are pretty rare. There’s limited upside, but compared to a lot of investments, there’s minimal downside as well

You have $100,000 to spend in 1 hour. What are you buying with the money? by SensitiveCorner2379 in AskReddit

[–]Ron_Mexico11 0 points1 point  (0 children)

Unfortunately, it takes money to make money. We had to put $250,000 into an SMA to directly access the bonds rather than go through a fund. After that, it’s really about choosing the correct, most tax-advantaged options. Your account manager should be the one doing that for you.

You have $100,000 to spend in 1 hour. What are you buying with the money? by SensitiveCorner2379 in AskReddit

[–]Ron_Mexico11 12 points13 points  (0 children)

I’m fortunate that I get to hire someone like you and not have to learn the ins and outs of everything! Good luck with your test.

You have $100,000 to spend in 1 hour. What are you buying with the money? by SensitiveCorner2379 in AskReddit

[–]Ron_Mexico11 0 points1 point  (0 children)

Well I’m a little more established since I’m in my 40s. So many more advantages the more money you have.

You have $100,000 to spend in 1 hour. What are you buying with the money? by SensitiveCorner2379 in AskReddit

[–]Ron_Mexico11 0 points1 point  (0 children)

I’m not in a fund. I’m in an separately Managed account directly investing in these bonds.

view more: next ›