CA
Xtrackers California Municipal Bonds ETF
stock NASDAQ

The amount of pessimism is Reddit is unmatched!
Everything is a culmination of privilege , rich parents and being lucky according to Reddit with no mobility ladder.
I am in my early twenties and a CA, and trust me I have seen countless of my friends from extreme lower stratas doing amazing in the their life even at this age just on the basis of their hard work.
Not everything is luck. Lots of it just comes down to taking enough assymitrical risks and something eventually paying off. And creating a base to take those risks if there aren’t any be it through degrees or even skilling up initially

LA , CA
Figueroa street
🥴😩

If you don’t think the Iranian leadership and a large chunk of their population are not continually thinking of ways to kill the “Great Satan” (for you people that are in CA or simply not paying attention that’s the U.S. and they don’t care how you vote only what’s on your passport) and have not already killed off considerable numbers using their umbrella of different groups with which to hide you need to get off the couch. Not to mention all the terrorism funded by them throughout the world then you just have your head in the sand. Iran’s government is always actively looking to kill Americans period, end of story. They are actively trying to build missile that will reach us. Any country that will kill 100’s of thousands of their own people for marching or holding the wrong views will have absolutely no issue killing us once they can do effectively do so in large numbers in the U.S. we shouldn’t wait for that day. All I’m saying.

Yea you can do this financial engineering with a First Lien + HELOC second too. But it would be manual and you have to actively be involved I reckon. But worth it if you have a first mortgage with a low rate. It not the above HomeFree Mortgage would be great option. As always, run the numbers and then let decide what you want to do. If you are in CA, let me know!

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Talk to me when gas is less that $6 a gallon in CA.

If you want backup income put GPIQ in taxable Brokerage account and VGT SCHD in a roth or other retirement account. The reason for this is taxes and withdrawals. IF you want access to the dividend income you cannot access it in retirment accounts. For taxable brokerage accounts to is no restriction to accessing dividend income.
Now people will tell you not to have dividends in a taxable account They assume all dividends are taxed at the income tax rate. But GPIQ generates about 80% ROC dividends This basically means the 80% of the dividends will not be taxed of about 10 year. The remaining 20% is taxed at the long term capital gains rate. In the 11 year and after that the income is taxed at the long term captial gains tax rate. Worst case only 20% of the dividend income is taxed. This is effectively a 80% tax discount over the work income / interest tax rate. I would recomend also turning off dividend reinvestment. This will cause the dividend to appear in money market acount were you can either spend the money or reinvest it for more dividned income. YOU keep about 6 months of living expenses in the money market account as your emergency cash fund. And eventually you can use the cash to pay the yearly deposit into a Roth.
Now for your taxable you can use a lot of dividend funds the generate qualified dividends. I am currently using QQQI (similar to GPIQ), and SPYI 11% yield, EMO 8%, UTF 7%, UTG 6.4% and NAC 7% (A CA municipal bond fund which is tax free for me) And PFF 6%. All these pay monthly and are taxed at low rates.
The Roth is a grate account for retirement or long term investing. You could have VGT, SCHD, SCHG GPIX. and any other north or divided funds you want. I have enough growth in my taxable and 401K to my roth is mostly Dividend funds that are not tax effficient like ARDC 9%, PBDC 9%, CLOZ 8%, PFFR 8%, JAAA 5.5%

Your plan sounds reasonable. Just keep in mind that safe harbor rules in CA are different > $1M and the quarterly payments are not 25% each.

At $625k AGI in California, your federal bracket hits 37%. SGOV and VUSXX shield you from state tax, but federal tax still takes a big bite out of that yield. A CA muni fund like VCTXX is double tax-exempt, giving you a higher after-tax yield than treasuries at your income level. For your FIRE timeline, $140k spend puts your target around $3.5M to $4M. With $3.15M invested after tax reserves, your base generates around $190k in an average 6% return year. Your capital is doing almost all the heavy lifting now, so dragging out DCA in your retirement accounts isn't necessary when lump sum beats DCA 70% of the time.

Result aane ke baad sab CA ban jaate.
It is how the world works. I don't like the concept of quick commerce in general but still
if zepto ki valuation as of now 10 billion hoti , then the same people will be praising zepto for not accepting the offer

I think TD Direct Investing is recommended for CA residents.

183 day rule getting exploited to its maximum.
What you are reading is saying that there are 246 billionaires that are *tax residents* of CA. There could be thousands more that spend significant amounts of time in CA.

The safe gave up a few more goodies this week! We've got certified gold, a rare low-mintage Swiss of America bar, a beautiful Tudor Beast proof, and a small herd of silver dollars looking for a new home. We've also got the usual polymer-based waterfowl and some fresh Coccinellidae looking for a new habitat. Whether you're stacking, collecting, or just enjoy buying shiny things to get FREE Duckies, there's something here for you. Scroll down and see what catches your eye!
A few things to note before we get started....
**📷 I will gladly take additional pictures for any item**. I would rather take 5 minutes to send pictures than have an unhappy customer.
⚠ Drop a comment then, **YOU send ME a Chat**.
Always make sure you are chatting with the person who made the post and not an imposter. I may be slow to respond but I will respond.
🏁 🏃‍♀️🏃‍♂️ **BIN comments are ignored**,
Just chat me and say you want to BIN and you will probably get a **no-haggle discount**! I am old and slow sometimes so it may take a while for me to respond, but I will respond.
💲 **Feel free to make offers if my prices are off**.
Offers will be considered for unsold items, and they will be considered quicker if sent with a comp. Just remember **My "No-haggle discounts" are available for those who qualify** so offers are cool, a constant back and forth or "what's your best price" is not. **🤡** Clowns who send unrealistic **lowball offers** **get the ❌**
Alright [**Here is the Proof**](https://imgur.com/a/ZPyiahl), now let's get to the sale
\----------------------------------------------------------
# Gold
* [**1997-W 1/4 Gold Eagle Proof NGC PF70** ](https://imgur.com/a/JdH6ta2)**- $1125 Shipped**
* [**2010-W 1/2 Gold Eagle Proof NGC PF70**](https://imgur.com/a/50qPHFd) **- $2145 Shipped**
* [**1907 $10 Liberty NGC MS63**](https://imgur.com/a/8i3ARtd) **- $2180 Shipped**
\----------------------------------------------------------
# Tudor Beast
* [**2025 Greyhound of Richmond Proof** ](https://imgur.com/a/NEgyRCQ)**- $165 Shipped**
\----------------------------------------------------------
# Vintage Swiss of America
* [**11.18 Swiss of America Bar**](https://imgur.com/BK5k6rn) (AE estimated mintage < 1,000) - **$1100 Shipped**
\----------------------------------------------------------
# Peace Dollars and a Morgan
**Sold as a lot only**
* 1x 1922 ICG MS63 Peace - ~~$85.00 (Bid)~~
* 1x 1923 ICG MS63 Peace Dollar - ~~$85.00 (Bid)~~
* 1x 1891-O Raw/Junk - ~~$44.56( Melt)~~
**Both Peace Dollars and Morgan for $190 shipped**
# ----------------------------------------------------------
# Polymer Based Waterfowl
* Yellow Duckies - **FREE**
* Sparkle Duckies - **FREE**
* May-Glow-In-The-Dark Duckies - **FREE**
🦆 **Free Polymer based waterfowl** is included with every package
# Bonus Injection-Molded Coccinellidae!
🐞 **Free Polymer-Based Coccinellidae** is ALSO included with every package this week!
\----------------------------------------------------------
📦 **Shipping is included in most prices**, but if not then $6 for ground or $11-$12 for priority depending on size
🔒 Will split **Registered Shipping** on large orders or for buyers who prefer lower risk
👨 Will always use a **Middle Man** and split the tip
💵 Payment accepted via most **non-crypto** methods (CA,V,PPFF, and Z)

In very high brackets and certain income situations, the tax treatment *and* ability to defer gains can be very beneficial. Even for me in CA, BOXX is the best risk-adjusted option and has pretty significant upside if I only realize in a "bad" income year (the most likely scenario for an eFund to be used).
Obviously everyone should do their own math to see if worthwhile and consider the downside if the IRS gets involved. 

Hello! I’m a CA local government employee. I’m trying to add my Mission Square 457b account to Schwab just so I can keep track of everything in once place. Every time I try, I keep getting the error message in the image below. Would appreciate some insight if anyone else has encountered this issue!!

I do VUSXX but I’m in CA (high tax state). I don’t really bother about shopping rates. It’s good enough and that’s not really where I’m getting the real returns anyway (that’s for low cost index funds).

I read in one day that a CA will read in a month.
That doesn't mean anything to me, if suggestions are not based on solid research.😂
Don't take it wrong way but CA and investing don't correlate automatically, except you have invested a bunch of time in scratching reports.

Cause i am CA and you are my article 🤣

3 to 12 month treasurys and CA municipal money market fund

Hey I did it there with Elite plan. Also because i myslef am an expert at ITR2 for my foreign assets, i caught the mistakes of the CA. And their team also wrote wrong corporate NPS. That too i corrected but at least the whole thing got filled up quickly. I was on phone audio call with the expert and together, we went across the main foreign asset sectiosn and CG and OS to see if the calculations were correct. Their software-operated TTBR rate calcs for my INKR stocks were all wrong but then I checked and saw that even INDmoney gave all wrong calcs. Either way, I let it be. Thank you so much.