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Schwab’s forthcoming direct indexing platform might be worth a look for the merely affluent

April 11, 2022 by indyfinance Leave a Comment

Become a Patron! All the way back in 2020 I offered some speculative predictions about the future of so-called "direct indexing." This is the logical end point of the proposition, promoted by the tax-evasion industry, that by swapping between closely-correlated-but-not-identical securities, those with taxable investments can generate capital losses that can be used to offset … [Read more...] about Schwab’s forthcoming direct indexing platform might be worth a look for the merely affluent

First time homebuyer savings accounts, part 3 (Alabama, Mississippi, Montana)

August 17, 2021 by indyfinance Leave a Comment

Become a Patron! This is my third and final post about first-time homebuyer savings accounts, a tax dodge that seems to have swept the nation a few years ago, with several states setting up similar-but-not-identical versions of the gambit, with vastly varying value based on income restrictions, time and contribution limits, investment options, and of course the state income … [Read more...] about First time homebuyer savings accounts, part 3 (Alabama, Mississippi, Montana)

First-time homebuyer savings accounts, part 2 (Virginia, Colorado, Minnesota, Iowa, Idaho)

August 16, 2021 by indyfinance Leave a Comment

Become a Patron! I recently wrote in detail about the first-time homebuyer savings account tax deduction offered by the state of Oregon, and promised a followup with an assessment of similar accounts offered by other states. If you haven't read that post, then you should probably start there, since the concepts I describe there will be helpful as I skim through the remaining … [Read more...] about First-time homebuyer savings accounts, part 2 (Virginia, Colorado, Minnesota, Iowa, Idaho)

Oregon first-time home buyer savings accounts: is the juice worth the squeeze?

August 3, 2021 by indyfinance 2 Comments

Become a Patron! One of the most interesting things about the US banking system is just how decentralized it is. While most developed nations have just a handful of major banks, the United States pairs those nationwide behemoths with thousands of smaller banks and credit unions that may serve an area as small as a single city or county. Of course, in the 21st century … [Read more...] about Oregon first-time home buyer savings accounts: is the juice worth the squeeze?

Two quirks to watch for when reporting 2020 unemployment compensation

April 8, 2021 by indyfinance 1 Comment

Become a Patron! There has been a fair amount of confusion and chaos around changes made to the taxation of unemployment compensation in the American Rescue Plan, so as I'm finishing up preparing my own 2020 taxes, I want to draw readers' attention to one very important and one very minor consideration when reporting unemployment insurance benefits received in 2020. What's … [Read more...] about Two quirks to watch for when reporting 2020 unemployment compensation

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