The year of investing in my sight
Funkyart
6 years ago
last modified: 6 years ago
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Funkyart
6 years agoRelated Discussions
This Year's Investment
Comments (7)I believe aahostas had Stitch in Time for $35? Or maybe it was Mango Tango. I tried to get my two teenaged kids to buy it for me for father's day but they opted for Spartacus instead, which was about $20 from Hilltop. There is some movie parody of "300" involving Sparta, they thought was real funny to have a hosta named Spartacus, kept shouting "I am Spartacus!". I told them any of the three choices would be great. I'm not up on all of this current entertainment stuff. So they got off cheap, and had fun at the same time which is the most important thing anyway. Dave...See MoreSad sight at a friend of my Moms...
Comments (1)Can she afford maybe a drip system, Leafwatcher? If you haven't already, maybe you could suggest it to her. It IS a sad story. Sounds like a huge bummer. I'm just thinking at the keyboard, not trying to sound like a know-it-all or anything. Drip irrigation is the first thing that jumped to the forefront of my thoughts when I read your post. I hope they can recover. Regards, Don B....See MoreHow to let others influence your investment income this year
Comments (4)After I'd bought some equity-based mutual funds, for that fabled "diversification", I decided that I didn't like the fees that I was paying to the managers - darn near as high as the income tax that I paid on on the average rate of gain (but some of the growth was deferred until I sold, of course). By the way ... when you own mutual funds that produce capital gain, in a regular account (not one of the tax-deferred retirement account ones) you must keep track of not only what you paid in the first place, but add all of those payiouts that they reported to you from time to time, usually annually, as the years went along, as they were reinvested. When you sell, your "cost" (for calculating capital gain) wasn't just the amount of your original investment, but included all of those distributions, that were reinvested. If you don't add those (usually annual) reinvested amounts ... you'll be paying tax on them twice - if they're outside of a tax-deferred retirement account! I decided some time ago that I prefer to buy individual stocks myself. On some of the stocks that I own, I used to be taxed at a low rate on dividends, and that rate was reduced even farther, recently. If I earn those dividends in a tax-deferred retirement account, I have no tax liability on the dividends currently, an advantage. But ... when I cash out, I pay tax at regular rate on every dollar ... so I lose the tax advantage that I would currently enjoy if they were taxable now. When I borrow to invest, for solid stocks, aiming at the long term - to fund that retirement - I use the current dividends that the stocks bought with the borrowed funds produce, plus some of the ones earned by the shares that I'd bought with my cash, to pay the interest on the loan ... and that interest is deductible. So I end up paying next to no tax on those dividends, or even gain a bit. When I take money our of my retirement account - taxed on every dollar, at full rate. When I sell some of my regular stocks (the non-tax-deferred-retirement-account ones), I deduct the amount that I invested originally (plus the reinvested dividends, if I have been using a dividend-reinvestment plan) anddeduct that from the amount of the proceeds of sale to find tha capital gain. I pay at regular rate on half of that capital gain ... but I get half of it free of tax. It makes sense, in this country, to keep bonds, GICs, etc. where the number of dollars originally invested won't grow, and the regular earnings are interest, that's taxed at top rate, in those tax-deferred retirement avccounts. Not equities, and certainly not Canadian equities. I'm nearing 80 years of age, and I have about 80% of my assets in equity-based investments ... and that suits me well. Good wishes to you for increasingly wise use of your income ... plus assets. ole joyful...See MoreOur first hummingbird sighting of the year! Spring rituals.....?
Comments (16)I just bought 20 epiphyllim cuttings and Connie Mayer (draon fruit) cuttings. I had many epiphyllims and also Connie Mayer in the past. Lost Connie Mayer when strong wind blew it off the porch and feral hogs ate it and my epis washed away in the flood. After I ordered the cuttings...I realized I have no where to overwinter them. The house on the bayou had a huge sun porch. So I will have to figure out something by this winter. I have seen a couple of hummingbirds here already this spring. We have Eastern Blue Birds nesting in the lean to of the new barn. I am most excited about the antique roses I bought last fall Rabbits severely chewed them but they have recovered and are blooming now. It is the best time to start rose cuttings and I have about a dozen rooted and more on the way. And it is waterlily time, and that is always exciting for me. After more than 50 years, they are still my favorite. Living in East Texas now, I am finding new plants and trees to identify. Much more diversity in plants here than on the coast. It's a fun time for me....See MoreFunkyart
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