Recession and inverse yield


Here, be aware of the new changes. I am on my way to the office. I don’t have time to arguments right now. :sweat_smile::sweat_smile::sweat_smile::sweat_smile:

All Together

2018 2019 Increase
Limit on employee contributions to 401k, 403b, or 457 plan $18,500 $19,000 $500
Limit on age 50+ catchup contributions to 401k, 403b, or 457 plan $6,000 $6,000 None
SIMPLE 401k or SIMPLE IRA contributions limit $12,500 $13,000 $500
SIMPLE 401k or SIMPLE IRA age 50+ catchup contributions limit $3,000 $3,000 None
Highly Compensated Employee definition $120,000 $125,000 $5,000
Maximum annual additions to all defined contribution plans by the same employer $55,000 $56,000 $1,000
Traditional and Roth IRA contribution limit $5,500 $6,000 $500
Traditional and Roth IRA age 50+ catchup contribution limit $1,000 $1,000 None
Deductible IRA income limit, active participant in workplace retirement plan, single $63,000 – $73,000 $64,000 – $74,000 $1,000
Deductible IRA income limit, active participant in workplace retirement plan, married filing jointly $101,000 – $121,000 $103,000 – $123,000 $2,000
Deductible IRA income limit, spouse is active participant in workplace retirement plan $189,000 – $199,000 $193,000 – $203,000 $4,000
Roth IRA income limit, single $120,000 – $135,000 $122,000 – $137,000 $2,000
Roth IRA income limit, married filing jointly $189,000 – $199,000 $193,000 – $203,000 $4,000
FSA Contribution Limit $2,650 $2,700 $50


:laughing::laughing::laughing::laughing::laughing: I love to give people a hard time. Specially when the lack of manners come to play.

Tonight, it was a prosperous night, the best in 30 years, a solar guy introduced me to 2 clients. Both are 39-45 yo. I got to roll over a $208K from a 401K into an annuity to avoid the 10% penalty, from there will do an immediate withdrawal of $40K per year to put into an IUL, so the taxes won’t increase their tax bracket. Then, open 4 IULs for their wives and sisters, 2 Worker’s comp audits from a chain of restaurants and furniture stores. Same 2 clients for the 10% tax deduction from gross income. Then an audit of both cost segregation, plus credits on hiring employees, plus deferring capital gains for 30 years on a property being sold for $3.5M. Then, solar panels, and energy saving programs for both businesses. Reduction of credit cards fees, there’s more as we discover their incomes and needs. Not bad for about $125K in commissions. :laughing:

I think I will retire after these deals. :smile::smile::smile::smile:

But, here I am, I lost track of the importance of numbers, I was discussing a $6K a year contribution, it is petty stuff. Not worth anybody’s nor my time. WTH was I thinking? :laughing:

I just wish good luck seeing the present crash of the stock market, about 1,500+ points lost in a few days, I hope you get a prosperous return in your investment. You will need the best of lucks, really!

I gave you above the scenarios of how to prepare for the retirement so your SS check doesn’t get taxed.
Use it or lose it.

The end.


Yield curve steepened a little bit. 2/10 is now +20 bps. Was as low as +11 early this month. 2/5 is no longer inverted.


1-2-3 year is now decidedly inversed. What can this mean? Will Fed start decrease rate in 2020 and 2021?

1-5 and 1-7 are also inverted.

It seems that Powell has made a mistake and overshot. He should stop here and no more rate increase for the next 10 years.


FED won’t do anything about this simple yield curve inversion, but market needs to change, either make the yield curve up or break up like downturn…


Almost inverted.