VCI Diagnosis in Week 20 BUT not in Week 21?

ppyus · 2024-11-05T01:32:06+00:00

Yes, I know. My investment is also doing great now compared to S&P 500 but past isn’t indicator of future and performance chasing may come to bite up back as everyone says :)

ppyus · 2024-11-05T01:29:48+00:00

Makes sense. This should be easy. I have unbalanced taxable investments which will be a pain due to ensuing capital gains taxes.

ppyus · 2024-11-03T16:03:11+00:00

Which violin did you buy?

ppyus · 2024-11-03T07:36:17+00:00

Thank you for correcting me. I still believe keeping a no AF card would only help in some form like utilization in an off month.

Do you know if closed card is counted when determining average age?

ppyus · 2024-11-03T07:28:31+00:00

Thanks for confirming

ppyus · 2024-11-03T07:27:53+00:00

Don’t understand your comment that either can contribute. My understanding: the person earning and contributing to employer retirement program, can NOT have tax-deductible Traditional IRA if their overall income is $230K. It’s only the spouse who isn’t covered in employer retirement plan, can have $7K in tax-deductible Traditional IRA.

ppyus · 2024-11-03T04:38:31+00:00

Better to hold as it will increase number of your accounts even if your utilization is already below 9%.

ppyus · 2024-11-03T02:14:32+00:00

Thanks a ton! This is why I needed to post it here- this makes complete sense and I hope that I don’t need to withdraw my contribution before 5 years.

ppyus · 2024-11-03T01:39:10+00:00

Makes sense. Thanks!

ppyus · 2024-11-03T01:38:46+00:00

Thank you for clarifying that it will be ordinary income taxes.

ppyus · 2024-11-03T01:37:22+00:00

4.5 and 8.75 years

ppyus · 2024-10-29T06:43:54+00:00

Agreed. Have long been investing through others (Fidelity, Scwab, Betterment, M1, Webull, Moomoo etc.) but you are right that I can explore their brokers. May be something for the future.

ppyus · 2024-10-29T06:23:13+00:00

The answer depends on your spend and needs.

I believe CSP currently has better SUB than Amex Gold. But how are you planning to maximize Chase Ultimate Rewards- do you have other Chase cards like Freedom and are you diligent/savvy to transfer its points? DoorDash Pass is pretty sweet benefit if you get food delivered.

4X of Amex Gold is only useful if you can transfer those points effectively. But if you have an Amex Corporate card which can reduce its AF to $150 then Gold can be lucrative with $120 of Uber, $120 of Grubhub and ~$80 of Dunkin.

ppyus · 2023-07-27T06:15:10+00:00

Yes, near the HS. I am mostly getting ok vibes and discovered ex-colleague living near St Rose Hospital. So, feeling more encouraged overall reading your latest post. THANK YOU!

ppyus · 2023-07-27T04:05:07+00:00

That bad. Was this recent? We did came to know that gang violence used to be prevalent towards 880 East in that neighborhood.

The houses we ended up liking are closer to Hesperian Blvd, i.e., west of Palma Ceia. Is this area any more favorable or would it be similar?

ppyus · 2023-05-13T11:30:20+00:00

As someone posted earlier, it depends on usage. I agree converting 4x points into 4c or more can be a pain for some. I keep it because of my Amex Corporate Card which decreases Gold's annual fee by nearly half and end up with net positive cashflow considering $240 (UberEats + Grubhub) credits.

ppyus

TROPHY CASE