CEO of Drink Coffee & Profit
Nov 3, 2026
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6 min read
A capital gains distribution does not make you richer. It decides which year you pay tax on gains the fund realised for you.
Nov 2, 2026
5 min read
The market can price a date on the calendar. In 2022 it could not price the eight days it took to settle the House.
Nov 1, 2026
4 min read
The composite 5.51% resets in six months. The fixed 1.40% stays with the bond for thirty years.
Oct 31, 2026
A sale in one account and a purchase in another, and the deduction disappears.
Oct 30, 2026
Two agencies decide your January payment, and they do not announce on the same day.
Oct 29, 2026
Two deadlines, one letter, and a subsidy pinned to a plan you do not own.
Oct 28, 2026
Gas households save about $640 worth of winter. Electric households pay $1,196 and rising.
Oct 27, 2026
A variable rate tied to prime reprices with no notice, and the increase reaches the balance you already carry.
Oct 26, 2026
Oregon starts at $1 million and Massachusetts at $2 million. A paid-off house and one life insurance policy can clear those lines.
Oct 25, 2026
With the 30-year fixed at 7.32%, refinancing cannot cut your payment. A recast can, if you ask for it by name.
Oct 24, 2026
The FTC restored the older, narrower rule on February 12. Around 35 states now carry the protection instead.
Oct 23, 2026
3 min read
A Roth conversion must clear by December 31 and cannot be reversed. Two days of delay costs a full year on the five year clock.
Oct 22, 2026
Between 3% and 5% of homeowners appeal their assessment, and 30% to 50% of those win something. The deadline sits on the spring notice, not the bill.
Oct 21, 2026
A three month Treasury bill pays 4.10% and a five year note pays 4.94%. Staying short is a position, not a pause.
Oct 20, 2026
SAVE is gone, the final notices are going out, and the fallback plans set your bill from your balance instead of your paycheck.
Oct 19, 2026
Seventy million of them now exist. The seed money waits until a parent claims the account, and the tax rules start at eighteen.
Oct 18, 2026
Premiums rose 24% in three years. Raising your deductible to $2,500 saves about $292 a year, and small claims can raise your rate for years.
Oct 17, 2026
Couples under $98,900 of taxable income pay 0% on long-term gains this year. Selling and rebuying can reset your cost basis before December 31.URL Slug: zero-percent-capital-gains-harvesting
Oct 16, 2026
With card rates near 19.7%, moving $6,500 to a 0% card can save about $1,075. Here is why new purchases on that card can still charge interest.
Oct 15, 2026
Enhanced premium credits expired and the 400% poverty-line cliff is back. Here is how one extra dollar of income can cost thousands in premium help.
Oct 14, 2026
Benefit tax thresholds of $25,000 and $34,000 were never indexed. Here is how an extra $1,000 IRA withdrawal can create $1,850 of taxable income.
Oct 13, 2026
The Part D cap rises to $2,400 and the deductible to $700. Here is why the cheapest premium is not always the cheapest plan.
Oct 12, 2026
The 2027 family HSA limit is $9,000 plus $1,000 at 55. Medicare Part A backdates up to six months, so stop contributing before you apply.
Oct 11, 2026
Americans averaged 11 hours without power in 2024, and the 30% home battery credit ended December 31. Here is when backup power pays.
Oct 10, 2026
Non-accredited savers can now buy private shares, capped at 10% of income or net worth. The real cost is the lock-up, not the minimum.
