Rube Baker

@JohnBolaris what are your models projecting for snowfall In Philly area this weekend? Seeing 7-8” on apple weather . Love your work

@MeasureTwiceMNY This includes capital gains on the sale of a primary home outside of the gain that is excluded?

Many early retirees will pay $10,000s more for health insurance in 2026 by harvesting capital gains for "free." Net long-term capital gain, even when taxed within the 0% LTCG bracket, is still 100% included in modified adjusted gross income (MAGI) for purposes of determining Premium Tax Credit (PTC) eligibility. Imagine realizing $100 extra LTCG and being required to pay back $20,000 in excess advance PTC!

@T_Gatzemeier How do you bill the flat fee monthly?

1. Flat fee (paid monthly): This is paid from cash flow. It's great for high earners or those looking for financial and tax planning without a ton of investable assets. Investment: $8,000 + (depending on complexity) 2. Asset-based fee: This fee is paid from investment accounts. It is great for those wanting to offload investment management and integrate financial and tax planning. Investment: 0.80% or less 3. [NEW!] Flat Fee Project: Not ready for ongoing advice and planning? This is great for those without a ton of complexity who want a comprehensive financial plan with everything they need to do to implement right now. Investment $4,000 - $6,000 (one-time cost)

People still think financial advisors get paid commissions. I mean, this still exists, but it's not how I would want to pay my financial advisor. My firm offers the following ways to pay for financial advice...

@realEstateTrent Dry cleaner is non negotiable for every deal? No matter length of time from when it was in the property?

Every 100 strip mall deals: 95 eliminated right away just based on price per foot and aerial. 5 left. 3 have / had a dry cleaner. 2 left. 2 / 100 worth digging into. Looking at deals constantly. 7 deals done in 2024.

@Daniel_Rapaport Didn’t make a putt for Scottie when he needed it

Aaaaaand Furyk sends him to the bench for Saturday morning.

@MattVincenziPGA John Daly

@shanebacon this in the running for psycho scorecard for 2024? Buddy passed along this morning

@T_Gatzemeier *at the federal level. May still be capital gains tax at the state level.

FYI - You can take up to ~123k in capital gains and pay no tax in 2024 (assuming no other income). The 0% tax bracket is up to $94,050 before the 15% cap gains tax kicks in. When you add the standard deduction of $29,200 (MFJ), this can get you to ~$123k tax-free!

@Budgetdog_ They may owe $0 in capital gains within the taxable brokerage if their taxable income falls below a certain level

Here's an example: Let's say you invest $300 a month for your kids into a 529 and Taxable Brokerage. At 18... Both accounts will have $134,820. They'll have to pay $10,509 to use the funds in the taxable brokerage though.

As an adult... The only account where you get tax free withdrawals is the Roth IRA. The caveat is... You can't access those funds before the age of 59 1/2 without penalty.

@MeasureTwiceMNY One of the biggest value add on with our clients is reviewing their home/auto/umbrella policies each year and getting them properly insured.

Do you work from home? Your auto insurance company probably assumes you're still driving as much as you did pre-COVID. Review your policy to review their mileage expectations. I just reduced my auto insurance premiums by 25% by updating the actual mileage (odometer reading)!

@markcecchini Personally feel like funding a taxable investment account with the flexibility of investment options and use of funds outweigh the 3.07% PA state tax deduction and lack of investment options within the 529 plan.

Truly blown away by the response here -- very much appreciate all the words of congratulations PS. 529s are not a scam folks -- they are a top option re: funding for education, everyone's situation is different PSS. you can open one before the child is born under your name and change beneficiary when the baby is born and gets a SSN ;)

@TheJacobTurner Can you use HSA savings to paying assisted living or in home health care costs tax free? Or is % taxable?

I made an $8,300 contribution to my HSA this week. It gives me a tax deduction, tax-free growth, and tax-free distributions. My path to turning this account into a $2,000,000 self-funded long-term care policy:

It's Trea's turn, and he wants a lucky fan to have one of his bats! RT for a chance to win // atmlb.com/3Zs4KSk

Let's keep up the Fan Appreciation Day celebration! 🥳 Dylan Covey wants to give these cleats to one of YOU! RT for a chance to win // atmlb.com/3Zs4KSk

Want to hit a Schwarbomb? We think this bat can help with that RT for a chance to win one of @kschwarb12's bats! // atmlb.com/3Zs4KSk

The BCIB wants to give his 3 SIGNED bats a new home! RT to win @JTRealmuto's bats // atmlb.com/3Zs4KSk

No-no Mike Lo has an extra pair of Vans cleats that he wants to give to a lucky fan! 👟 RT to win // atmlb.com/3Zs4KSk

It's officially Fan Appreciation Day and Stotter gave us one of his bats to give to one of YOU! 🫶 RT to win // atmlb.com/3Zs4KSk

Good morning! What better way to celebrate a walk-off with another Fan Appreciation giveaway? Ranger was kind enough to gift these beauties from his locker! RT to win // atmlb.com/3Zs4KSk

Kicking off Fan Appreciation Day a little early and helping @tai_walker gift you something special straight out of his locker! RT for a chance to win one of his gloves! He even signed it for you ☺️