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Larry’s 2023 Perspective
January 18, 2023Greetings to subscribers, both new and seasoned. As we begin a new year, there is some good news...
Great podcast Larry. Keep up the good work!
Thanks……..will do!
Hi Larry. I recently purchased your book and listened to the podcast… what a breath of fresh air for me. I must admit I am (soon to be ‘was’) a victim of the banks and their high cost mutual funds… plus a financial planner with fees on top of the MER’s.
I’m retired and have spent the last couple months researching options. After just finishing your Book, I now have the confidence to invest on my own. I recently set up a Direct Investing Account and will be selling the mutual funds and ‘divorcing’ the financial planner to buy Balanced ETF’s myself.
Question for you… I have some investments in mutual funds… and they’ve done well since I’ve had them the last 3 years. Altogether, they’ve have a nice gain. My question is… should I sell them all in Jan 2020 and realize the full capital gain that year? Or sell them over 2 years to spread the capital gain? I’m leaning towards option 1 to sell the mutual funds asap.
Would you mind giving me your brief advice?
Thanks
KP
Hi Ken. That is a good question. I do not know your personal situation so can’t give you a yes or no. Spreading gains over a couple of years may make sense if selling them all at once moves your marginal tax rate up a notch. You could sell some now and sell the balance in January. Good luck!
Larry
Thanks for your advice Larry.
I really like the simplicity of VBAL, as you mention on page 177 in your book.
One question… if VBAL is used in a TFSA, is there withholding taxes, since a portion of this ETF is in the US Market? Or is this withholding amount so small it’s insignificant?
Thanks again for all your incite!
There will be a small amount of US withholding tax applied to VBAL holdings in a TFSA but I think it is a small price to pay for the simplicity/convenience.
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Guaranteeing the safety of your company is crucial in today’s competitive marketplace. Among the most effective ways to secure your assets and monetary documents is by putting resources in a trustworthy commercial safe. Regardless of whether you’re keeping funds, important records, or sensitive data, a safe provides an essential layer of protection for your company.
When selecting a safe for commercial use, there can be a number of aspects to think about. First, appraise your enterprise’s protection necessities. Determine exactly what items need safeguarding and the level of protection required.
Next, consider the size and variety of safe necessary for your business. Select a safe that is matches inside your company’s space while offering adequate room for valuables. Think about whether or not the safe needs additional attributes such as heat resistance or waterproofing.
Additionally, examine the security features of the safe. Search for features such as sophisticated locking mechanisms, sturdy construction, and manipulation resistance. Consider putting resources in a safe with added protection measures such as thumbprint scanners or digital keypads.
Lastly, ensure the safe suits within your business’s budget. Establish a reasonable budget based on your security needs and explore choices that match within the limits of your monetary constraints.
To conclude, selecting the appropriate safe for your company is vital for safeguarding your assets. By assessing your security needs, taking into account the dimensions and type of safe necessary, looking into safety measures, and fixing a spending limit, you can secure maximum protection for your enterprise.
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In modern uncertain environment, safeguarding your assets is paramount to ensure a sense of security. An essential a highly effective ways to secure your belongings is by putting resources in a premium safe. From important documents to precious jewelry, a safe provides a secure storage solution for items of great value.
One of the key factors to take into account when purchasing a safe is its level of security. High-security safes are equipped with advanced locking mechanisms, such as digital fingerprints or digital keypads, to discourage unauthorized access. Additionally, the design of the safe plays a critical role in its security features. Look for safes made from strong materials like metal or metal, which offer resistance against manipulation and break-ins.
Regular maintenance of your safe is also crucial to ensure its continued effectiveness. This includes periodic inspections to check for signs of wear and tear, as well as lubricating the locking mechanism to keep it operating smoothly. It’s also important to keep the interior of the safe clean and free from dust and debris, as this can affect its performance over time.
Furthermore, consider the placement of your safe within your home or business. Opt for a location that is undetectable yet easily accessible for authorized users. Avoid placing the safe in areas prone to floods or harsh weather conditions, as this can affect its contents.
In conclusion, owning a safe is not just about having a secure place to store your valuables; it’s about taking proactive steps to protect what matters most to you. By investing in a top-notch safe and properly maintaining it, you can ensure the safety and security of your belongings for the long term.
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In modern uncertain environment, protecting your valuables is paramount to ensure a sense of security. One of the best ways to protect your belongings is by putting resources in a premium safe. From important documents to precious jewelry, a safe provides a protected storage solution for items of great value.
One of an essential consideration to think about when buying a safe is its level of security. High-security safes are equipped with advanced locking mechanisms, such as digital fingerprints or electronic keypads, to deter unauthorized access. Additionally, the construction of the safe plays a crucial role in its security features. Look for safes made from strong materials like metal or alloy, which offer protection against interference and break-ins.
Regular maintenance of your safe is also vital to ensure its continued effectiveness. This includes periodic inspections to check for signs of wear and tear, as well as oiling the locking mechanism to keep it functioning smoothly. It’s also vital to keep the interior of the safe clean and free from dust and debris, as this can affect its performance over time.
Furthermore, consider the placement of your safe within your home or business. Choose a location that is undetectable yet easily accessible for authorized users. Avoid placing the safe in areas prone to water damage or extreme temperatures, as this can damage its contents.
In conclusion, owning a safe is not just about having a secure place to store your valuables; it’s about taking proactive steps to protect what matters most to you. By investing in a premium safe and properly maintaining it, you can ensure the safety and security of your belongings for the foreseeable future.
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In today’s fast-paced planet, pressure has become a common obstacle that many persons experience. However, acquiring stress management techniques is vital for maintaining overall mental health and productivity.
In this write-up, we dive into the techniques and approaches for effectively managing stress. From mindfulness practices to time management techniques, we look into various techniques that can help people reduce stress levels and improve their high quality of life.
Productive stress management begins with self-awareness and realizing the triggers of stress. We examine techniques for identifying stressors and putting into practice approaches to address them proactively.
Moreover, we discuss the significance of relaxation techniques and self-care practices in stress management. From deep breathing exercises to engaging in hobbies and activities that bring joy, we look into ways to promote relaxation and reduce the negative effects of stress on mental and physical health.
Additionally, we investigate the role of social support and connection in stress management. Building a strong support network and seeking help from friends, family, or professional counselors can provide valuable resources for coping with stress and overcoming challenges.
In conclusion, mastering productive stress management techniques is vital for maintaining mental health and productivity in today’s busy globe. By implementing approaches for self-awareness, relaxation, and social support, individuals can reduce stress levels and lead healthier, more balanced lives. Large marquee rentals ideal for outdoor events in Phoenix
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In today’s uncertain world, protecting your assets is essential to ensure confidence. A primary a highly effective ways to safeguard your belongings is by committing in a high-quality safe. From crucial documents to valuable jewelry, a safe provides a protected storage solution for items of significant value.
One of the key factors to take into account when purchasing a safe is its level of security. High-security safes are equipped with advanced locking mechanisms, such as digital fingerprints or keyless entry systems, to deter unauthorized access. Additionally, the design of the safe plays a crucial role in its security features. Look for safes made from strong materials like iron or titanium, which offer resistance against tampering and break-ins.
Regular maintenance of your safe is also vital to ensure its continued effectiveness. This includes periodic inspections to check for signs of wear and tear, as well as lubricating the locking mechanism to keep it operating smoothly. It’s also important to keep the interior of the safe clean and free from dust and debris, as this can affect its performance over time.
Furthermore, take into account the placement of your safe within your home or business. Choose a location that is unnoticeable yet easily accessible for authorized users. Avoid placing the safe in areas prone to floods or harsh weather conditions, as this can affect its contents.
In conclusion, owning a safe is not just about having a secure place to store your valuables; it’s about taking proactive steps to protect what matters most to you. By committing in a high-quality safe and properly maintaining it, you can ensure the safety and security of your belongings for the foreseeable future.
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Guaranteeing the protection of your house is critical in today’s unpredictable times. One of the the best ways to safeguard your belongings and sense of security is by putting resources in a dependable safe. Regardless of whether you’re safeguarding money, crucial records, or treasured heirlooms, a safe offers a protected repository solution.
Regarding choosing the appropriate safe for your home, there are many elements to consider. First and foremost, evaluate your protection necessities. Determine what possessions you expect to house in the safe and the level of protection required for each and every item.
Subsequently, think about the capacity and placement of the safe. Choose a safe that suits comfortably in your residence while supplying sufficient room for your valuables. Make sure that the safe can be placed in a secure location, such as anchored to the floor or wall.
Moreover, inspect the safety measures of the safe. Seek out characteristics such as solid construction, dependable locking mechanisms, and fireproof materials. Consider putting resources in a safe with extra security features, such as biometric thumbprint scanners or digital keypads.
Finally, don’t forget to consider your budget when picking a safe. Fix a realistic budget based on your safety requirements and compare prices for options that fit within your budgetary constraints.
To conclude, selecting the correct safe for your residence is essential for keeping your belongings safe. By assessing your security needs, taking into account the dimensions and positioning of the safe, looking into security features, and fixing a spending limit, you can guarantee optimal protection for your precious possessions.
Personalized home safe solutions in Scottsdale – https://mercurylock.com/
Engaging the assistance of a disability attorney for claims related to disabilities in the city of Albuquerque carries enormous significance. Individuals who look for the support of a lawyer specializing in disabilities in court proceedings related to disabilities can obtain innumerable positive aspects and precious support in the procedure for disability claims. These lawyers retain the necessary abilities, wisdom, and expertise to successfully sail through the complications of the law system and represent for their clients’ best interests.
One of the main functions of a lawyer for disabled individuals in disability court trials entails adeptly leading and handling the court proceedings. Disability attorneys shine at maneuvering the complexities of disability court trials, which can be daunting for those unacquainted with the legal system. By utilizing the services of a disability attorney, individuals with disabilities greatly enhance their chances of success in court for disability claims.
Throughout disability claims court proceedings, a disability attorney plays a central and proactive position in providing crucial support. They dynamically collaborate with clients in compiling and submitting claims applications for disabilities, petitions, and appeals, streamlining the method and ensuring all necessary paperwork is correctly submitted. Additionally, disability attorneys extend vital support during trials regarding disabilities, utilizing their professional knowledge of legislation on disabilities and regulations to supply counsel, advice, and legal representation.
The positive aspects of engaging a disability attorney for disability claims are diverse. These legal professionals provide knowledgeable guidance and recommendations, arming their clients with a competitive edge in disability court trials. Through their thorough understanding of the judicial scenario, disability attorneys can successfully navigate the intricate network of regulations and laws regulating claims concerning disabilities, guaranteeing that their clients’ entitlements are secured and their optimal interests are advocated for.
Moreover, disability attorneys simplify the process of claiming disabilities, relieving the burden on individuals with disabilities. They serve as champions, coordinating with administrative bodies, insurers
, and other relevant entities on behalf of their clients. This holistic support permits individuals with disabilities to concentrate on their well-being and personal matters, being informed that their disability claims are being dealt with with utmost care and thoroughness.
In the setting of claims related to disabilities in Albuquerque region, it is vital to realize the special expertise presented by attorneys specializing in social security. These lawyers specialize in social security laws and rules, making them precious assets for individuals looking for social security disability benefits. Social security lawyers retain extensive expertise of the detailed laws and protocols governing social security disability claims, enabling them to provide personalized guidance and guidance to their clients.
By acquiring a attorney specializing in disabilities, individuals with disabilities gain access to a plethora of assets and aid. These legal professionals serve as dedicated supporters, persistently striving for their clients’ claims and privileges. Lawyers for disabled individuals understand the obstacles faced by individuals with disabilities and work diligently to guarantee they receive the disability benefits they are entitled to.
In conclusion, the decision to engage a disability attorney is a critical one for individuals with disabilities pursuing disability compensation in Albuquerque. These lawyers play a essential function in simplifying the legal process, optimizing the likelihood of success in court proceedings related to disabilities, and supplying knowledgeable guidance and advice tailored to their clients’ specific situation.
Securing national entitlements with a experienced national handicap lawyer
Safe shopping isn’t just about picking any box with a lock; it’s about investing in the best protection for your belongings. In today’s modern era, where security threats are persistent, having a trustworthy safe is vital. Whether you’re safeguarding cash, important documents, or sentimental items, the right safe can provide assurance like no other.
One of the most vital aspects of a safe is its build. Premium safes are made from sturdy materials such as steel or titanium, guaranteeing resistance against intrusions. Additionally, advanced locking mechanisms, such as biometric scanners or digital keypads, add an extra layer of protection to discourage unauthorized access.
Another vital feature to consider is fireproofing. Top-notch safes are engineered to withstand high temperatures and protect your valuables in the event of a fire. Committing in a fireproof safe guarantees that even in the face of tragedy, your most valuable possessions remain intact.
Beyond safety, consider the capacity and placement of your safe. Selecting a dimension that holds your belongings without being too conspicuous is crucial. Additionally, thoughtfully installing your safe in a safe yet accessible spot ensures ease without compromising security.
In conclusion, putting resources in a top-notch safe is vital for securing your important possessions. By focusing on characteristics such as build, fireproofing, and dimensions, you can secure ultimate security for a sense of security in any situation.
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