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Marginal tax rates represent the percentage applied to each additional dollar of income within a specific tax bracket, not the taxpayer’s entire earnings. The article explains how the U.S. progressive system works, using a 2025 single‑filers example where a $195,000 income faces a 24 % top bracket but an effective rate of about 20 %. It contrasts this with flat‑tax regimes, highlighting that only the income above a bracket’s threshold is taxed at the higher rate. Understanding marginal rates aids tax planning and financial decisions.
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If you hold two unrelated jobs, you can make salary‑deferral contributions to a SIMPLE IRA for each employer. The IRS permits multiple SIMPLE IRAs as long as the employers are not affiliated, but the combined contributions must stay within the...
Polymarket now prices a 98% chance that Fed governor Stephen Miran will dissent from the upcoming Federal Reserve decision, up from 89.1% after the Iran war began. The odds surge highlights heightened market focus on any deviation from the committee’s...
🚨 NEW POST 🚨 Latest OPEC+ production data heading into the Iran War, as well as estimates of how much production has already been shut in across the Gulf By my tally we're currently sitting at ~8.5 MMbpd confirmed shut it, with...
The “1% more” rule advises increasing retirement contributions or savings by 1% each year or after each raise. Behavioral economists Shlomo Benartzi and Richard Thaler designed the hack to be painless, and modern 401(k) auto‑escalation features stem from this concept....
Gas in the U.S. is now up 25% since the war began and 21% from a year ago. Source: WSJ
Preparation for liquidity crisis to minimize repo/money market volatility that are threatening credit spreads due to oil spike and growth contraction from Trump trapping US-Israel War on Iran. #HYOAS “The Fed now holds about $358B in Treasury bills. That’s higher than the...
The piece highlights a widening gap between realized equity volatility and the higher implied volatility priced into options, suggesting market complacency. It warns that clearing existing puts and VIX call positions ahead of the upcoming FOMC meeting and QOPEX could...
The long-term history of the Baltic Dry Index (BDI), the benchmark measure of global dry bulk freight rates. It tracks what it costs to ship commodities like: * Iron ore * Coal * Grain * Bauxite * Steel inputs Because these commodities sit at the very beginning...
Most traders blame their entries, indicators, or strategy. But the truth is… You lose before the trade even starts. Markets operate like an auction. Once you understand: • Price rotation • Value areas • Market structure Tools like VWAP and Volume Profile finally make sense. Comment “I’m in” and...
Vistra Corp (VST) rose 0.9% to $160.41, edging toward its year‑to‑date breakeven level after a prolonged slump. The stock's buy‑to‑open put/call ratio surged into the 90th percentile, crossing 1.0—a signal that has occurred only eight times in the past three...
1-month realized vol is still above 3-month realized vol. That keeps the market in a high-volatility regime, which forces vol-control funds to reduce equity exposure as volatility rises. If 1M realized vol drops back below 3M realized vol, systematic strategies will be...
The U.S. pharmacy sector is shedding more than 2,000 stores since 2022, with Walgreens targeting 1,200 closures, CVS 1,170 and Rite Aid exiting entirely after its 2023 bankruptcy. These closures free up prime corner parcels typically 7,000‑14,000 sq ft, which remain highly sought...
BAX hits 52‑week low $16.99 (-49%). EPS miss, rev beat, CFO exit and margin pressure; neutral $24 PT. Risk: execution & profit recovery. Trade: accumulate small near $17 to $24. — Viktor Kopylov, PhD, CFA More insights: t.me/si14Kopylov
Asset allocation in defined‑contribution (DC) core menus is shifting markedly. Target‑date funds now command roughly 40% of DC assets and could top 50% by 2030, crowding out traditional core options. Meanwhile, non‑default allocations are increasingly concentrated in U.S. large‑cap equities...
Silver just made a massive breakout, and the next explosive move could start any day. If you’ve been waiting for a “better entry,” this is the moment the market often doesn’t give you one. Meanwhile, gold & silver mining stocks (GDX...
Kevin Hassett told CBS’s Face the Nation that the US economy will not be harmed by the US‑Israel‑Iran conflict, citing abundant domestic oil production and a steep decline in futures‑based oil prices. He argued the temporary 20% disruption to global...
The S&P 500 has 3 headwinds right now. Most investors are only watching one. Here's what all 3 are, and the single indicator for each that tells you if it's getting better or worse 🧵
A $10 jump in oil prices, driven by geopolitical risk, has jolted global equities but left U.S. stocks surprisingly resilient. The United States, now a net oil exporter with most imports from Canada and Mexico, experiences a lagged impact on...
ROIC, and ROA and ROE are the strongest predictors of stock performance. Each measures how efficiently a company converts capital into profits. Interest Coverage (EBIT / interest expense) captures financial strength and ability to service debt. Markets reward companies that: • generate high...
Are you still broke at 30? Time to flip the script and build real wealth. Start here: • Grow yourself: Level up skills to boost your income. • Spend smart: Cut unnecessary fluff—every dollar counts. • Save aggressively: Aim for that...
The European exchange‑traded product market crossed the $3 trillion AUM mark last year, buoyed by $390 billion of fresh inflows and a 69 % rise in ETF investors over two years. A panel at the Exchange conclave walked participants through the full lifecycle...
YieldMax XOM Option Income Strategy ETF (XOMO) generates weekly distributions by selling call options on Exxon Mobil stock, delivering an eye‑catching 30% dividend‑equivalent yield as oil prices surge above $100 and market volatility spikes. The fund’s income stems from option premiums,...
The A/D line is my least favorite breadth metric… but it’s still one I look at. The main issue I have with it is that it doesn’t capture the severity of moves. It simply counts up vs down. So if 100 stocks are...
Bernstein upgraded The Cigna Group (CI) to Outperform on March 12, 2026, setting a $358 price target. The upgrade reflects expectations that the Pharmacy Benefit Manager reform bill, an FTC settlement, and announced PBM model changes will lift the stock...
Broward Health secured a $97 million loan from UMB Bank to construct a six‑story, 114,000‑square‑foot medical office in Deerfield Beach, featuring 75 exam rooms focused on cardiovascular, neuroscience and orthopedics. The facility, adjacent to the Broward Health North campus, is slated...
The 401(k) industry is confronting a shift toward phased retirement as longer, healthier lives reshape employee expectations. Only 7% of employers offer formal phased‑retirement programs, yet 40% of workers want them, and 33% of baby boomers are postponing full retirement...
Financial experts emphasize that steady, low‑cost habits often outperform risky, high‑return strategies for retirement. The article outlines seven practices—including automating 401(k) and IRA contributions, conducting regular insurance audits, opting for store brands, negotiating service fees, purging promotional emails, consistently paying...
Fubon Financial Holding reported a record‑high year for 2025, posting the top net profit and earnings per share in Taiwan's financial holding sector. All three banking units, along with Fubon Securities and Fubon Insurance, delivered record earnings, while Fubon Bank...
OCI N.V. delivered its second‑half and full‑year 2025 unaudited results, reporting a 6% revenue increase and an 8% rise in net income despite ongoing geopolitical instability. CFO Beshoy Guirguis outlined the financial highlights, while CEO Hassan Badrawi emphasized employee safety and previewed...
Take a look at these two charts together. One is income concentration (Top 10% share of consumption v Bottom 80%), the other is equity market concentration (S&P 500 Growth vs Value weight). In the last 15 years, surplus flowed to capital,...
My take on the effect of the US-Israel war on India: "It will hit India particularly hard if the price of oil hits $120 / barrel or $200 / barrel because India is the third largest oil importer in the world."...
Food writer Apple Mandy shares a budgeting method that leaves one blank slot on a grocery list for a single off‑list snack purchase. The "blank space" trick lets her satisfy cravings while keeping the overall cart disciplined and under budget,...
Properties are getting into contract pretty quickly. Here's a look at pendings over the past week in the Sacramento region. The good stuff goes quickly if it's priced well, but overpriced stuff will sit. https://t.co/FkJxfXf4uo
$SATS working on the right side of its new base and trying to get back above its 50-day moving average. Chart courtesy of @marketsurge @IBDinvestors #IBDPartner https://t.co/91XEuEGmgG
The U.S. 10‑year Treasury yield is projected to climb into a 4.25‑4.5% band before easing back toward 4%, driven by higher nominal and real yields after the war’s shock. Even as the conflict winds down, inflation expectations remain structurally elevated,...
Charlie Munger: "It’s probably a natural part of the modern economic system that the old moats stop working." 2020 Daily Journal AGM AI eliminating or reducing the effectiveness of some moats is inevitable. New moats being created in an AI...
HALO stocks — Heavy Assets, Low Obsolescence — are being sold as a new AI-proof strategy. But Goldman's own data shows the trade tracks value vs. growth almost perfectly. A familiar rotation with a fresh acronym. I've taken a closer...
📉CBOT May soybeans have plunged the daily 70-cent trading limit after weekend U.S.-China talks - touted as successful - were viewed unfavorably (possible Trump-Xi meeting delay, mention of non-soybean row crop purchases). CBOT May bean oil was also limit down....
Sell-side is fading the war-inflation trade in the front end. The consensus? High energy prices are a growth killer, not a long-term inflation driver. For now, the tape is happy to ignore them.
I’ll be presenting this slide during a speech tomorrow to the Texas Agricultural Cooperative Council. Three of the world’s poorest countries — combined population: 1.8B people — will be hammered by the shutdown of LNG shipments through the Strait of...
Without mentioning the company @Lemonade_Inc once, @McKinsey puts out a strong buy recommendation for $LMND. Link in next post https://t.co/HNNT5cRiNy
🆕 Adviser links: searching for tax alpha, the AI threat, and the challenge of goal setting. https://t.co/9J3UbREYin chart: https://t.co/DlD779WvsT https://t.co/kv9j0u0L9q
US Dollar $USD About to correct? Far above moving average ribbons. Dollar down = Bullish commodities. https://t.co/BLfBbDOCMp
Oil shock is reversing (Strait clearing narrative), curve flattening continues (rate hikes priced in), credit widening (HY spread breakout), and rent collapse vindicates office REIT pressure. De-escalation moves favor equities; watch if $94 oil holds or bounces.
💥 We lost about 32% of world traded crude oil supplies. 💥 Rerouting and SPR may cover up to 40% of it AT BEST. Anyone who thinks the rest of the oil industry can stretch its production to cover the GAP knows...
Scoop: Millennium has redeemed its investment from Scopia Capital just over a year after backing the equity long-short hedge fund manager with $1 billion https://t.co/DPmCnhwZl5
"Dan Pickering...said that while the spot market price for oil was up 65 per cent at $99, it was only up 17 per cent for 2027 and 12 per cent for 2028....not high enough for most producers to get returns...
Gas prices reach highest level since October 2023 as oil holds above $100 per barrel; US stocks jump https://t.co/voUmM6Kcb0
A positive for this market is how recent catalyst gaps have been acting. $DELL $CAVA for example
