myFinancialExcellence @myFinExcel
My passion is Financial Literacy - Helping people make really good money decisions. Licensed Insurance, Securities, Certified Financial Education Instructor. myfinancialexcellence.com Knoxville, TN Joined February 2020-
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BREAKING: Fulton County, Georgia, acknowledges that 3,600 ballots from the 2020 election audit were duplicated; now the discrepancy has been turned over to the GA Attorney General for investigation. Another “right with conspiracy” comes true!
What has your home buying experience been like or have you observed?
What has your home buying experience been like or have you observed?
I hope so!
JUST IN: Mortgage demand is now down 50% from pre-pandemic levels and at its lowest level since 1994. From its peak in 2021, mortgage demand is down ~64%. Current mortgage demand is ~75% below the 2005 peak. The most incredible part of this? Mortgage rates are still only at…
🚨Breaking Tax News🚨 Retirement-related inflation adjustments have just been released by the IRS. Key numbers for 2024 include... 🔸IRA contribution limit: $7,000 (⬆ $500) 🔸401(k) salary deferral limit: $23,000 (⬆ $500) 🔸Max SEP IRA contribution: $69,000 (⬆ $3,000) 🔸Max…
"Homes unaffordable in 99% of nation for average American" A lot of regular people ask me why I care so much about dry topics like monetary policy, debt & fiscal stimulus THIS is why It's because they impact our destiny far more than most realize cbsnews.com/news/homes-for…
It’s just … unbelievable.
The capital gain exclusion amount on home sales has never been indexed for inflation. Since 1997! I wrote about that, and the importance of keeping good records on home improvements. morningstar.com/personal-finan…
Thanks for the analysis.
There is more financial information available at our fingertips than ever before yet I see fewer and fewer examples of "financial success" in personal planning. It's because information isn't knowledge. Financial Knowledge is "CORRECT BELIEF" about how money really works.
Proper Insurance protection - an often overlooked part of personal finance and especially here on FinTwit and all the "gurus" holding themselves out as experts. I have a saying - Protection First, Full and Forever.
Fintwit: “Invest in this or that to be rich. It’s easy - you are stupid if you don’t”. Ever notice actual financial professionals who can actually affect a security or asset doesn’t do this? Only unlicensed and unregulated amateurs on here.
True. They want tax paying “robots”. Government is in the human life value farming business. Too bad so many of us participate and enable this.
True. They want tax paying “robots”. Government is in the human life value farming business. Too bad so many of us participate and enable this.
Most people Complicate personal finance. My blog points out 7 simple essentials to financial security. myfinancialexcellence.com/blog-posts/7-e…
Important. 👇🏻
Fantastic veterans breakfast - my group was able to donate the food for over 50 veterans. Pictured here is a quilt donation for a veteran - wrapped in the love of a grateful nation! #patriotism #Veteransfirst
FinTwit tossing around the 4% rule as if it’s some kind of birthright. Sequence of return risk is real. Ie 2000-2010. forbes.com/sites/robertpa…
Headed out to help feed the veterans at a Vet Breakfast in Knoxville. Donating some American flags while I’m at it.
While personal credit card debt topped 1 trillion… …Hardship withdrawals from 401k plans surged 36% in the second quarter of 2023 over 2022 according to Bank of America (representing 4 million participants as a statistical pool).
Traditional budgets kind of suck if you think about it. The Cash Flow Pattern is much better. #budgeting myfinancialexcellence.com/blog-posts/wha…
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@lawrencekingyo @Brigantia201 Lost my dad last week.
Lesson you don't want to learn late: Never take your parents being alive for granted.
@InvestingDDS Depending upon your age investing your 401K and comparing it to the S&P 500 might not be appropriate as it would suggest a 100% allocation to US stocks. That said, your performance does sound bad. You may have the option to move your 401k into a self directed IRA. Worth checking.
@brianportnoy 1. An investment is not a financial plan: Mention the various financial planning areas that go beyond choosing investments. 2. Keep Finance Personal: Reiterate that every financial plan is different, not one-size-fits-all 3. Financial planning isn't just for people with $$$
BREAKING: Fulton County, Georgia, acknowledges that 3,600 ballots from the 2020 election audit were duplicated; now the discrepancy has been turned over to the GA Attorney General for investigation. Another “right with conspiracy” comes true!
It's already been more than four years ago that Jeffrey Epstein was murdered in his cell, and the cover-up has held all this time. A lot of powerful people have engineered this stonewall around all those involved. And now these alarming efforts by one of the most influential…
@DefiyantlyFree The Republican party is done. It's time for patriots to represent patriots
@CubbardCommando @PhilipBLee @DefiyantlyFree King, it's called mass-mail-in voting. They flipped the election process on its head into a month long mail poll. That is fraudulent in itself. Mail-in has been banned by many countries for decades for good reasons. It's a perversion of democracy papers.ssrn.com/sol3/papers.cf…
Donald Trump was the only Republican to ever get 75 million votes and the only incumbent president in this countries history to get significantly more votes the second time around and not win the oval. Now I am a person who has a functioning brain, so I know for sure that a…
I just went to vote. Half way through the explanation from one of the helpers that their machines have been switching votes all day so I should double check my ballot.... I just held up my hand and explained........ "then I'm not voting on the machine."...I continued...." If…
What has your home buying experience been like or have you observed?
Many homebuyers are priced out. Income requirements for homebuyers to afford a median priced home in the US are at a staggering $115,000/ year. This is up 50% from the start of the pandemic!
I hope so!
Lower Bond Yields Ahead? Nearly 60% of Bank Of America fund managers think so.. Contrarian or right on money?
While mortgage rate are up sharply, 90% of borrowers have rates below 5%. This is exactly why housing supply is near its lowest levels in history. Without a return of supply, affordability will get worse. Follow us @KobeissiLetter for real time analysis as this develops.
JUST IN: Mortgage demand is now down 50% from pre-pandemic levels and at its lowest level since 1994. From its peak in 2021, mortgage demand is down ~64%. Current mortgage demand is ~75% below the 2005 peak. The most incredible part of this? Mortgage rates are still only at…
@NotAlexSheppard This is absolutely unconscionable! I have no idea ever how those individuals involved the prosecutors, judge and FBI agents can sleep at night ever. The fact that not one child rapist from Epstein island has been arrested and charged. And yet the federal government has moved…
🚨Breaking Tax News🚨 Retirement-related inflation adjustments have just been released by the IRS. Key numbers for 2024 include... 🔸IRA contribution limit: $7,000 (⬆ $500) 🔸401(k) salary deferral limit: $23,000 (⬆ $500) 🔸Max SEP IRA contribution: $69,000 (⬆ $3,000) 🔸Max…
"It's different this time" 😏
Great time to be a #PensionEconomist Today’s #FinancialPost headline (PS. One of our many international business students just asked me if #Alberta is part of #Canada. Prophetic, no?)
I quit eating bread products several months ago and had the following outcomes. 1. I drifted down to my ideal BMI without any conscious dieting. 2. My continuous full-body inflammation and aching that I assumed was age-related disappeared completely. 3. My sinuses opened…
@ScottAdamsSays That diet works for a lot of people. I love carbs (and dairy) and feel great, but don’t have them in large portions.
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