Blue Horseshoe

I'm trying to open a brokerage account for my wife & I that ultimately avoids probate and receives a 100% step-up in cost basis at the time of death.

TD Ameritrade has suggested that I open one of the following: Joint Tenants (with Rights of Survivorship), or a Community Property account.

My understanding is that a Joint Tenant account avoids probate, but only 50% of the assets experience a step-up in cost basis at the time of death. A Community Property account would receive a 100% step-up in cost basis at the time of death, but 50% of the account would wind up in the deceased's estate. Is it possible to avoid that by attaching a Survivorship agreement to the account, or should I subject the account to probate and have my will designate her as the beneficiary?

Bigger picture, does account titling even really matter in a community property state? Aren't all assets (excluding gifts and inheritance) accumulated after the date of marriage considered community property?

TIA

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how does Blue Horseshoe feel about it?

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Meh

I have the E8. I absolutely love my machine, but the upkeep can sometimes be a PITA.

Make sure you consider the maintenance costs. The filters, cleaning tablets, milk system cleaner, etc.... it can add up.

1/4 cup Creole mustard
1/4 cup plus 2 tablespoons fresh parsley divided
1/4 cup plus 2 table spoons mayonnaise, divided
1 teaspoon paprika
1 clove garlic, minced
8 ounce lump crabmeat
1 & 1/4 cups panko bread crumbs, divided
1 teaspoon lemon zest
2 teaspoon fresh lemon juice
1 teaspoon Dijon mustard
1/2 teaspoon Creale seasoning
2 large eggs, lightly beaten and divided
1/4 cup olive oil
Garnish: lemon zest, fresh parsley

1. In a medium bowl, whisk together Creole mustard, 1/4 cup parsley, 1/4 cup mayonnaise, paprika, and garlic. Cover and refrigerate until ready to serve.

2. In a medium bowl, combine crabmeat, 1/3 cup bread crumbs, lemon zest and juice, Dijon mustard, Creole seasoning, 1 egg, remaining 2 tablespoons mayonnaise. Shape mixture into 6 patties. Dip in remaining egg, and dredge in remaining bread crumbs. Refrigerate for 30 minutes.

3. In a large nonstick skillet, heat oil over medium heat. Add patties, and cook until golden, about 3 minutes per side. Serve with remoulade sauce. Garnish with lemon zest and parsley, if desired.

I've linked the letters from HoldCo Asset Management to FNBC's board of directors. HoldCo owns a sizable amount of FNBC debt, and has built a considerable short position in the stock to hedge their long position.

First letter dated August 12, 2016 LINK

Second letter dated August 17, 2016 LINK

Third letter dated October 25, 2016 LINK

Hancock is the holding company that owns and operates Whitney Bank and a few other subsidiaries.

From the description of the fundraiser

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If you feel helpless, but want to play a small part in easing the burden of #AltonSterling's family, consider donating to this scholarship fund for his 15-year-old son (and his other kids).

*ALL* funds raised will go to Alton Sterling's family.

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From GoFundMe's Terms & Conditions

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We do not and cannot verify the information that Campaign Organizers supply, nor do we guarantee that the Donations will be used in accordance with any fundraising purpose prescribed by a Campaign Organizer or Charity. We assume no responsibility to verify whether the Donations are used in accordance with any applicable laws; such responsibility rests solely with the Campaign Organizer or Charity, as applicable. While we have no obligation to verify that the use of any funds raised is in accordance with applicable law and these Terms of Service, we take possible fraudulent activity and the misuse of funds raised very seriously.

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It absolutely blows my mind that people would donate to this campaign, even though the sponsor has no obligation to give it to the family.

It used to be majority students, but recently... lets just say they relaxed the credit requirements to get a lease.

On the sell side, the CFA designation carries more weight than an MBA. Most shops will prefer their analysts to be charter holders, or in the process of obtaining the designation.

Just to clarify, the roles of analyst and associate are flipped between ER & IB. In IB, analysts are usually lower in seniority, and associates are higher up in the food chain. In ER, the analyst is more senior and leads a team of associates that cover a particular sector or industry.

The salary range is really wide. It really depends on your experience, the employer, and how much revenue your research generates through the trading desk. Some banks now charge a flat fee for their research instead of a commission based model, so base salary is relatively low, with substantial annual bonuses based on performance.

It's really difficult to pinpoint a specific figure. I would expect base salary between 60k-80k, with total compensation between 80k-120k.

The price movements we are seeing today probably has a lot to do with short sellers covering their positions.