Roth IRA Conversions

Taxable income tends to increase for many retirees at 73, when those born between 1950 and 1959 are required to take withdrawls from traditional retirement accounts.

The new headline 5.27% I bond rate only applies to new bonds. Your new rate for an existing I bond is likely much lower, and you may be better off cashing it out for a CD.

• If you've held your I bond for at least a year, you can move your funds to a better-paying CD. The issue date of your bond can tell you the optimal time to cash in, with 15 months being the sweet spot for many 2022 bond purchasers.

• But what has an even bigger impact this cycle is that anyone buying a new I bond between November 2023 and May 2024 will receive a fixed-rate component of 1.30%.
  That is notably higher than the 0.00% fixed rate assigned to I bonds purchased last year, and explains why new I bonds purchased today will pay a higher rate of 5.27% for the initial six months, while 2022 I bonds will only pay 3.94%.

An exploration of the remarkable consequences of using Boltzmann's 1870s probability theory and cutting-edge 20th Century mathematics in economic settings. An understanding of risk, market stability and economic inequality emerges.

The lecture presents two problems from economics: the leverage problem "by how much should an investment be leveraged", and the St Petersburg paradox. Neither can be solved with the concepts of randomness prevalent in economics today. However, owing to 20th-century developments in mathematics these problems have complete formal solutions that agree with our intuition. The theme of risk will feature prominently, presented as a consequence of irreversible time.

A lecture by Dr Ole Peters

The transcript and downloadable versions of the lecture are available from the Gresham College website:
http://www.gresham.ac.uk/lectures-and-events/time-for-a-change-introducing-irreversible-time-in-economics

Yet it's also the most popular.

When it comes to international investing, the most popular vehicle out there is the iShares MSCI Emerging Markets Index (NYSE: EEM), with an astounding $41.7 billion worth of assets. Yet aside from the facts that the iShares MSCI Emerging Markets Index has been around since 2003 and that iShares is pretty good at marketing, there are two very good reasons why this ETF should not be the most popular for investors to gain emerging markets exposure.

If you own EEM or are thinking about owning EEM, then this should prompt you to ask: Are the fastest-growing parts of the world's emerging markets over the next few years going to be export manufacturing, outsourcing, banking, and globally priced commodities? And will the fastest-growing emerging markets companies be mega caps? While there's something to be said for the retail banking sector in underbanked markets such as India and Brazil, the rest of it is nonsense. Those sectors are historically where emerging markets have been; not where they're going.

An InfoGraphic on how to use The Bucket Strategy to develop a retirement income stream in the "withdrawal phase" (a different approach than "accumulation").

https://www.theretirementmanifesto.com/how-to-build-a-retirement-paycheck/

With meme stocks, on the other hand, that’s exactly what’s happening: The small investors on the r/Wallstreetbets subreddit are taking part in a conscious collective effort to drive the prices of these stocks up.

How are they doing it? By embracing companies that Wall Street, for good reason, hates: beaten-down firms in legacy businesses with weak economic fundamentals. The Redditors don’t love these companies because they think their future prospects are genuinely great, even if in most cases there’s been some catalyst that suggests the underlying business could improve going forward. Instead, what meme stocks all have in common is that they start off with a cheap stock price and a relatively low market cap, and they’re heavily shorted, meaning that hedge-fund managers are betting that these stocks are going to fall. (GameStop, for instance, was and still is one of the most heavily shorted stocks on Wall Street.)

The Retirement Planning Show, hosted by David Kopyc, can be heard every Saturday morning from 8:00 A.M. – 9:00 A.M. and Sunday Evenings 8:00 PM - 9:00 PM on News Talk Radio AM 810 and 103.1 FM.

Symbol: VDIGX
Vanguard Dividend Appreciation ETF (VIG)

All taxpayers who earn less than $157,500, or $315,000 for a married couple, can now deduct 20 percent of the income they receive via a pass-through businesses from their overall taxable income. If taxpayers earn above those amounts and aren’t service professionals, they must meet tests to take the full deduction -- the size of their deduction depends on how much they pay in employee wages or how much they’ve invested in capital like real estate.