Today marks 26 days since the start of the war with Iran. So far, my investments have lost around $30k in value. That is a big number. You could buy a new car with that or make a down payment on a house. It doesn’t sound as bad if I
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Zero Refund Zero Tax
Since I had no earned income in 2025, my tax refund is zero dollars. My investment income was less than the standard deduction, so I didn’t have to pay any tax. This is the 5th year in a row with zero refund and zero tax. In 2025 I did not
Continue readingTrump’s War with Iran
As of today (March 8th, 2026), Trump’s war with Iran has pushed my investment portfolio down by almost $15,000 in the past week. I asked Google AI if the president has the power to declare war on another country and this was the answer: “No, the U.S. President does not
Continue readingDivorced Spouse/Survivor Benefits
My girlfriend has reached her full retirement age for Social Security. But she wants to delay her application until she turns 68. The monthly payment would increase by $89. Since her ex-husband is still alive, and they were married for more than ten years, she could apply for divorced spouse
Continue readingArby’s Gift Cards
I want to put out a warning about the trouble we had trying to use an Arby’s gift card. The gift card was for $50 and was obtained from an online casino. I have cashed out many gift cards, but this was the first one for Arby’s. With your online
Continue readingBitcoin Has Lost Its Way
I have been watching Bitcoin from the beginning and currently do not have any money in it. The original vision was that it would be a decentralized digital currency. That means removing the need for central banks or government control. But as soon as they allowed crypto ETFs and options
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