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Tax Matters When Selling a House | Jonathan Pond
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Tax  Matters  When  Selling  a  House  |  Jonathan  Pond  ||  GEORgia  property  that  your  primary  residence  in  two  of  the  last  five  years  |||  investment  retirement  Financial 
15 days ago by neerajsinghvns
The Impending Big Auto/Oil Implosion Explained | In Depth - YouTube
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01:00; chart showing time taken for change from 10% adoption to 80% adoption
01:15; chart showing time taken for change from 10% adoption to 80% adoption; Phone

13:05; Year 2023 to 2025. question. confirm the year. it is a good time to be a mechanic. It is a good time to sell the ICE ( internal combustion engine) cars repair shop OR start repairing EV ( electric vehicles)
16:55; which oil companies to start shorting.
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20 days ago by neerajsinghvns
Why Boeing shareholders can look to Chipotle as the path back to stock returns - CNBC buyOpportunity buy opportunity investment retirement needsEditing
CNBC
A comparison of the Chipotle and Boeing crises reveals noted similarities, which should give Boeing investors a better sense of how long a recovery could take. Read the full story
Shared from Apple News
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5 weeks ago by neerajsinghvns
How to save more money and grow your net worth — cut down on 3 things - Business Insider
I've saved nearly $270,000 at age 28, and I'm convinced the key to growing your net worth is spending less on 3 things
Last year, I vacationed to Alaska, Florida, Colorado, New Orleans, and San Francisco. Plus ski trips to Aspen, Colorado, and Whistler, Canada.
More than I'd like to admit, I also spent aimlessly on concerts and events, spoiled my pets with way too many toys, and cannot remember a single time I turned down a night at the breweries with friends.
Now's the part of the intro where I'm supposed transition to the bad news to let you know how much debt I've racked up, and how I'm living way beyond my means.
But I have a curveball for you. Despite all those expenses, I only spent about $25,000 for the whole year.
This level of frugality allowed me to grow my net worth by $73,000 last year. (Of which, about $35,000 was investment returns and the remaining $38,000 was from saving over 50% of my income, plus employer 401(k) contributions.)
How?
I focused on just three expenses.
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I've  saved  nearly  $270_000  at  age  28_  and  I'm  convinced  the  key  to  growing  your  net  worth  is  spending  less  on  3  things  needsEditing  investment  retirement  Komal  Neha  Sonu  &  Neeraj  questionable 
october 2018 by neerajsinghvns
If you're married and near retirement consider this tax strategy
If you're married and near retirement, consider this tax-saving strategy
Darla Mercado
Ojo Images | Getty Images
Here's one good reason for the happily married to rejoice: They have better access to a tax-friendly retirement savings strategy.
Generally, a Roth individual retirement account allows savers to put away up to $5,500 (plus $1,000 if you're age 50 or older), have the money grow free of taxes and then tap it in retirement on a tax-free basis.
As useful as these accounts may be, not everyone will have access to them. Taxpayers whose modified adjusted gross income exceeds $120,000 if single or $189,000 if married won't be able to make the full contribution directly to a Roth IRA.
That's where Roth conversions come in: You take a chunk of traditional IRA dollars, pay income taxes and convert it to a Roth IRA. Income limits do not apply to conversions.
Be aware that This move is a permanent one.
The Tax Cuts and Jobs Act put an end to "recharacterizations," or the unwinding of Roth conversions that were completed after the end of 2017. If you made a Roth conversion last year and you'd like to undo it, you have until Oct. 15 to do so.
Married couples weighing a Roth conversion have an added sweetener, according to Robert S. Keebler, CPA and partner with Keebler & Associates.
He spoke at the Financial Planning Association's annual conference in Chicago on Monday.
"The income tax brackets are more favorable for married people, so convert while both spouses are alive," he said.
Here's why a Roth conversion might be a great deal for couples.
Softer brackets
The Tax Cuts and Jobs Act not only trimmed individual income tax rates across the board, it also broadened the income tax brackets for married couples.
This allows higher-income households to remain in lower brackets and be subject to friendlier top rates.
See below for a breakdown of the 2018 tax brackets for singles
Rate
Taxable Income Bracket
10% 0 to $9,525
12% $9,525 to $38,700
22% $38,700 to $82,500
24% $82,500 to $157,500
32% $157,500 to $200,000
35% $200,000 to $500,000
37% $500,000 and up
This is what the 2018 brackets are for married couples.
Rate
Taxable Income Bracket
10% 0 to $19,050
12% $19,050 to $77,400
22% $77,400 to $165,000
24% $165,000 to $315,000
32% $315,000 to $400,000
35% $400,000 to $600,000
37% $600,000 and up
A couple with taxable income of $300,000 in 2017 would have been in the 33 percent bracket. Under the current law, that same couple would be in the 24 percent bracket.
In effect, the new tax law has created "softer brackets," said Keebler.
Converting while you can
Since higher-income couples have a longer runway before they begin to hit the higher brackets, they might be in the best position to make Roth conversions now.
They pay income taxes on the amount converted, and with lower rates and wider brackets, the taxes won't sting as much now as they would have prior to the new tax law.
Bear in mind that the lower rates for individuals aren't permanent and they may revert to the old structure after 2025. The House GOP is pushing to make lower rates permanent as part of Tax Reform 2.0.
Play Video
Converting now while you can still file as a married couple is also helpful because the brackets are narrower for single people. This means it's easy for a single person to bump up into a higher tax bracket when converting their traditional IRA to a Roth.
"Why haven't people talked about doing conversions while the spouse is still alive?" asked Keebler. "Right now, it makes more sense."
Beware: Pro rata rule
Proceed with caution and work with a professional when you make a Roth conversion.
In the event you made non-deductible – or after tax – contributions to a traditional IRA and expect to convert that amount to a Roth, you could run into a tax hiccup known as the "pro rata rule."
If you already own other IRAs with pretax amounts in them, the IRS could subject you to income taxes based on the overall value of all the accounts — and not just the amount that you're converting.
What you have saved in your traditional IRAs, along with your SEP and SIMPLE IRAs, would be included in this calculation.
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This is known as the pro rata rule.
You can also get tripped up on the pro rata rule if you convert a nondeductible IRA at one point in the year and then later that same year you rollover a 401(k) into a traditional IRA.
That's because the pro rata rule considers your IRA balances at the end of the year.
More from Fixed Income Strategies:
Did a Roth IRA conversion? What you might need to do next
Answer this question right and you'll have a good retirement
Watch out for the yield curve
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If  you're  married  and  near  retirement_  consider  this  tax-saving  strategy  needsEditing  investment  Roth  traditional  IRA  401k 
october 2018 by neerajsinghvns
How much money Americans have in their 401(k) accounts
Here is how much money Americans have in their 401(k)s at every age
Kathleen Elkins | @kathleen_elk
11:24 AM ET Wed, 12 Sept 2018
Contributing to an employer-sponsored 401(k) plan is an effective way to save for retirement: You get significant tax advantages, the money is automatically taken from your paycheck before you have the chance to spend it and, often, companies offer a match, which is essentially free money.
Consistent contributions can even make you a millionaire. In fact, the number of Fidelity 401(k) accounts with a balance of $1 million or more recently hit a record of 168,000, up 41 percent from last year.
To give you an idea of how your retirement savings stack up against your peers, check out the average 401(k) balances in Fidelity accounts, as of the second quarter of 2018, broken down by age. The data was provided to CNBC Make It by Fidelity, the nation's largest retirement-plan provider:
Age 20 to 29: $11,500
Age 30 to 39: $42,700
Age 40 to 49: $103,500
Age 50 to 59: $174,200
Age 60 to 69: $192,800
Here are the average contribution rates by age, also from Fidelity:
Age 20 to 29: 6.8 percent
Age 30 to 39: 7.6 percent
Age 40 to 49: 8.4 percent
Age 50 to 59: 10 percent
Age 60 to 69: 11.1 percent
How much should I be saving for retirement?
What if I don't have a 401(k)?
If you're one of the many Americans without access to a 401(k), don't stress, and don't use that as an excuse to put off saving for retirement. You have plenty of other options, including a traditional, Roth or SEP IRA, a health savings account (HSA) or a normal investment account.
Read up on all of your options, choose an account to fund and start setting aside money for your future today.
Don't miss: 1 in 3 Americans have less than $5,000 saved for retirement—here's why so many people can't save
Like this story? Subscribe to CNBC Make It on YouTube!
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Here  is  how  much  money  Americans  have  in  their  401(k)s  at  every  age  needsEditing  401k  retirement  investment 
september 2018 by neerajsinghvns
The Washington Post: A guide to the financial crisis — 10 years later
The Washington Post
Ten questions as we look back at the Great Recession. Read the full story
Shared from Apple News
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september 2018 by neerajsinghvns
A stock-market bear signal is at a more-than-4-decade high, says Goldman - MarketWatch
A stock-market bear signal is at a more-than-4-decade high, says Goldman
Mark DeCambre
Getty Images
Goldman’s bull-bear indicator is flashing red.
A gauge of bullish and bearish momentum in the U.S. stock market is ringing alarms for strategists at Goldman Sachs.
The investment bank’s so-called bull-bear indicator, which examines five market factors, indicates that the likelihood of a bear market occurring is at its highest point since around the mid-1970s (see chart below).
Goldman analysts led by Peter Oppenheimer, chief global equities strategist, said an unusual period for Wall Street, characterized by loose monetary policy and a recent spate of fiscal stimulus has resulted in an uncannily bullish cycle for markets that is likely to come to a screeching halt.
However, the upshot of the 54-page Goldman report dated Sept. 4 isn’t that investors should panic and head for the hills, but rather that a period of lower returns should be anticipated (see chat below).
The report comes as U.S. stocks have registered a decadelong, bull rally, making it the lengthiest period of equity-market prosperity, by certain measures, with the S&P 500 index SPX, +0.27% advancing more than 320% since the depths of the financial crisis in 2009. The Dow Jones Industrial Average DJIA, -0.08% during that period, has climbed nearly 300%, while the Nasdaq Composite Index COMP, +0.23% has rallied by more than 520%, underscoring the outsize returns in the technology-and-internet related sector that has helped to buttress the broader stock market then and now.
Thus far in 2018, the S&P 500 has gained 7.6%, the Dow has climbed about 5%, while the tech-centric Nasdaq has soared by nearly 15% in the first nine months of the year. (However, the tech sector has come under severe pressure in the past week).
Goldman points out that tech performance has also coincided with strong earnings, or earnings per share, performance for tech-related stocks (see chart below):
Still, Oppenheimer, in a phone interview with MarketWatch, cautioned against interpreting the Goldman report as a staunchly bearish outlook. “We’re not flying the flag here and saying that there is going to be a deep bear market.”
He said some of the effects of any downturn may be moderated by a number of factors including an interest rate environment here and abroad that remains accommodative even as the world’s central banks aim to reset their monetary policy from financial crisis mode.
The Federal Reserve is widely expected to lift interest rates later this month at the conclusion of its two-day policy-setting gathering on Sept. 26. Oppenheimer also said that inflation remains subdued and that makes it unlikely that the Fed will feel a need to dial rates up rapidly to cool an overheated economy. “That may be one of the reason why we don’t see an economic downturn” in the cards, the Goldman strategists told MarketWatch.
Oppenheimer reiterated one line contained within the Goldman research report that reflects the unusual combination of monetary and fiscal stimulus that has given rise to such strong returns, noting that “the current cycle has been difficult to pin down” (read the excerpt from the report below):
Given such strong returns, many investors are wondering how long the economic cycle and bull market can last, and what type of conditions could follow. The difficulty in answering these questions is that the current cycle has been difficult to pin down. It has been, and remains, a very unusual cycle, making historical comparisons less reliable. The following are a few ‘unconventional’ aspects of the post financial crisis cycle that we should think about.
A 20% decline for the market, representing the typical definition of a bear market for an asset, hasn’t occurred in years (see chart below), according to Goldman, and may be halting for investors that have grown accustomed to this current phase of mostly levitating markets.
The upshot that Goldman offers to its clients: Brace for more modest to flat returns in the years ahead.
Read: Despite stock records, bears have ‘unfinished business’ with market, Morgan Stanley warns
Also read: Prepare for the biggest stock-market selloff in months, Morgan Stanley warns
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september 2018 by neerajsinghvns
Wealthy Retirement - Forever Dividend Stocks
Forever Dividend Stocks
A Wealthy Retirement Special Report:
How does a steady flow of income, 24 dividend payments a year, for an average yield of 3.21% sound?
If you love dividends and, more importantly, love to see those dividends go up every year... then you need to consider forever dividend stocks for your portfolio. These are stocks we believe you can buy and hold forever.
In this report, we will uncover our six favorite dividends stocks that have been hand selected from our Compound Income Portfolio.
The Compound Income Portfolio is designed for wealth seekers. This portfolio uses the immense power of dividend reinvestment plans (DRIPs) to compound dividends and grow wealth in a conservative manner.
The concept is very simple:
If you buy 1,000 shares of a $10 stock and receive a 4% yield, and those $400 (4% on $10,000) are reinvested... At the end of one year, you'll have 1,040 shares. Those extra 40 shares also generate dividends.
If the dividend grows 10% per year, after five years you'll have 1,227 shares.
After 10 years you'll own 1,544 shares. Keep in mind that all those shares are generating more and more dividends every year as the dividend goes higher.
After that, the compounding math is a wonder to behold...
After 10 years (presuming average market returns), your original $10,000 is now worth $31,777. The annual yield on your DRIP is 14.1%.
After 15 years, you have $58,993 (and a yield of 29.3%).
In 20 years, you're looking at $113,019... and an astounding annual yield of 62.9%!
The easiest way to reinvest your dividends is to simply tell your broker you want your dividends reinvested. Most brokers offer this service free of charge. So you can buy a stock once, pay one commission and hold it for years without paying another dime as the nest egg grows.
One thing to remember: If the stocks are in a taxable account, you will owe taxes on the dividends even if you are reinvesting them and not collecting the cash. So be sure to have enough cash set aside to pay your taxes every year.
Now that we have covered the power of compounding, let's get to the picks...
Forever Dividend Stock #1: Brookfield Infrastructure Partners (NYSE: BIP)
Our first pick is a Master Limited Partnership (MLP).
Most MLPs are energy-related. However, this one is a play on global infrastructure.
Brookfield Infrastructure Partners owns and operates electricity transmission lines in South America, timberland in North America, ports in Europe and railroads in Australia.
It pays a 4.61% yield and has raised the dividend an average of 11.36% over the past five years. Management has lifted the dividend every year for seven years. In the most recent quarter, funds from operations (FFO) – a measure of cash flow for MLPs – grew 28.08%. Recently commissioned capital projects helped boost FFO. And they will continue to do so going forward.
Over the last four quarters, Brookfield paid 68.72% of FFO in the form of dividends. It is committed to paying 60% to 70% in the future.
Forever Dividend Stock #2: Lazard (NYSE: LAZ)
Our second pick is a company that pays a 3.28% yield, raises its dividend every year and has been thriving since James Polk was president.
Lazard (NYSE: LAZ) is an asset manager and an investment bank that’s been around since 1848. It operates in 43 cities within 27 countries. Lazard is widely considered the top boutique investment bank. It even generates more investment banking revenue than some of its larger peers.
Lazard has been in the asset management business since 1953. It has $226 billion under management. Lazard operates 33 mutual funds and two closed-end funds, and offers alternative investments.
Lazard has raised its dividend every year since 2011. It currently pays $0.44 per share quarterly, which comes out to $1.76 per year
That gives us a yield of 3.28%. That’s not bad considering the company has boosted its dividend by an average of 23.12% per year over the last five years.
Forever Dividend Stock #3: Texas Instruments (Nasdaq: TXN)
Our next pick is one of the world's leading chipmakers.
Founded in 1930, and headquartered in Dallas, Texas, Texas Instruments designs, manufactures and sells semiconductors to electronics designers and manufacturers worldwide.
The company has a 2.41% yield, but has been growing the dividend at over 22.09% per year over the past five years. Though it recently raised the dividend 24%, we're going with a slightly lower growth forecast of 16.4%.
In the last twelve months, it only paid out 47.07% of its free cash flow in dividends, so it has plenty of room to continue to send more cash to shareholders.
Forever Dividend Stock #4: AbbVie (NYSE: ABBV)
AbbVie is another long-term dividend pick.
The company is a worldwide pharmaceutical developer and manufacturer. Two of its most promising drugs are Imbruvica and Humira.
Imbruvia treats chronic lymphocytic leukemia, mantle cell lymphoma and Waldenström’s macroglobulinemia, another form of lymphoma. Imbruvica is also being studied in other cancers and is expected to become one of the biggest-selling cancer drugs ever.
By 2020, Imbruvica is projected to generate between $4 billion and $5 billion in revenue annually.
And Humira is already one of most lucrative medicines on the market..
Humira, which treats rheumatoid arthritis, psoriasis and Crohn’s disease, logged $18 billion in sales last year and should do about and should do about $20 billion this year.
AbbVie’s current portfolio of drugs and its pipeline are expected to generate the second-fastest growth rate in the industry – not bad for a $157 billion company (that’s big, by the way). Among the large cap pharma dividend payers, it is first.
The tremendous growth from Humira, Imbruvica and the rest of AbbVie’s portfolio is projected to raise earnings by more than 25.4% per year over the next three years. Free cash flow is forecast to jump 20.8% in 2018. The company recently hiked its dividend by 35.21%.
It pays a solid 3.98% yield that is growing by more than 29.82% per year.
Forever Dividend Stock #5: Raytheon (NYSE: RTN)
Raytheon provides a wide range of defense products and services, from electronics systems to missile systems. It manufactures the same kind of FLIR (forwardlooking infrared) imaging technology that Boston authorities used to target the Boston Marathon bombers.
Raytheon's biggest customer by far is the United States government. But it has been increasing its international business. The company has a $2.4 billion contract to provide Qatar with Patriot Air and Missile Defense Systems.
Sequestration or a smaller defense budget could cause revenue growth to slow. But with increased international business and the plethora of lunatics parading as leaders of nations, Raytheon's business should have no problem remaining strong enough to continue to generate gobs of cash.
And as income investors, that's what we're most interested in.
In the last twelve months, Raytheon generated $3.07 billion in cash flow from continuing operations. Free cash flow – a more conservative gauge of cash flow because it takes into account capital expenditures – was $2.39 billion. The company paid out $925 million in dividends for a payout ratio of just 38.70%.
That means even if free cash flow slips, Raytheon has plenty of room to not only pay the dividend but to raise it, like it has for the past nine years.
And those raises have been substantial. Over the past five years, Raytheon has increased the dividend an average of 9.72% per year.
The stock has a yield of 1.64%. Combined with the 9.72% average annual dividend raise, it fits in perfectly within the forever dividend stock system.
Forever Dividend Stock #6: Eaton Corp. (NYSE: ETN)
With a 3.42% dividend yield that we expect to grow 12% over the next several years, Eaton Corp. (NYSE: ETN) is the perfect setup for income seekers.
Eaton produces equipment that helps customers manage power more efficiently. It’s a huge business with more than 102,000 employees in 60 countries and customers in 175 countries.
It makes flight control systems, beverage distribution tubing, switches for keypads and thousands of other products.
Over the last twelve months, Eaton generated $2 billion in free cash flow. Over that same period of time it paid out $1.09 billion in dividends for a payout ratio of 54.5%.
That payout ratio is well below our target of 75%. And free cash flow is expected to improve substantially in the future.
Over the next two years, free cash flow is projected to grow an average of 9.79% year-over-year.
It should be more than enough to pay the rising dividend each year.
The company has raised the dividend 14 times in the past 16 years and annually since 2010. It has paid a dividend every year since 1923.
Considering the company's cash flow growth estimates, we expect Eaton to increase its dividend for the next several years.
And there is special tax treatment concerning its dividend…
Eaton is based in Dublin, Ireland. Typically, U.S. investors would have foreign taxes withheld from their dividend payments and then apply for the foreign tax credit with the Internal Revenue Service (IRS).
However, Eaton’s dividend does not have foreign tax withheld if you live in the U.S.
Additionally – and this is a very attractive feature – Eaton’s dividend is mostly considered return of capital, despite the fact that it is not a partnership like a master limited partnership.
Because the dividend is considered a return of capital, most investors will not be taxed on the dividend. Instead, it will lower their tax basis.
Because the dividend is not taxed, we suggest you keep Eaton in your taxable accounts. That way you’re not taking up room in your tax-deferred accounts.
You can reinvest the dividend and let it grow tax-deferred for many years or until your cost basis is zero.
Then you’ll have to start paying taxes on it. But we’re likely looking at 12 years before that happens.
The Cure for Stock Market Volatility
We believe forever … [more]
Forever  Dividend  Stocks  needsEditing  retirement  Investment  Stock 
august 2018 by neerajsinghvns
Retirement Planning: Everything You Need to Know
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tags: Retirement Planning : Everything You Need to Know | needsEditing investment ;;;
Retirement  Planning  :  Everything  You  Need  to  Know  |  needsEditing  investment  ||  motleyFool 
march 2018 by neerajsinghvns
Warren Buffett: How He Does It
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tag: Warren Buffett : How He Does It | investment retirement philosopy method thought process ;;;
Warren  Buffett  :  How  He  Does  It  |  investment  retirement  philosopy  method  thought  process 
march 2018 by neerajsinghvns
Empower Retirement
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tags: Empower Retirement | louisiana public employees deferred compensation plan sonu stock investment ;;;
Empower  Retirement  |  louisiana  public  employees  deferred  compensation  plan  sonu  stock  investment 
october 2017 by neerajsinghvns
Investing Education & Classes: Stocks, Mutual Funds, Bonds & Portfolio Building
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tags: Investing Education & Classes: Stocks Mutual Funds Bonds Portfolio Building | howto tutorial tutorials investment stocks shares retirement school education investing Finance money reference morningstar morning star ;;;
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november 2007 by neerajsinghvns

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