Thoughts on Cash: Rising from the fog of COVID | F. Marc Ruiz: Your Thoughts on Cash

I ordered and paid for a new garage door in the first week of February this year. Last Monday the garage door should finally be delivered. It didn’t arrive, and now we’re hoping for next week.

My wife called an airline the other day to resolve some travel issues for an autumn trip. The automatic “On Hold” message said your waiting time would be 77 minutes. She decided to hang up and try another time; the problems remain unsolved.

Customers tell me that furniture deliveries take three or four months. Headlines say that new cars, when they can be found, are flying off the lots and used car prices are about as high as new cars.

Sometimes it feels like we are collectively “on hold” at the moment when it comes to consumer goods and services. In the post-COVID world, things that we took for granted, like inventory and customer service, just don’t seem to apply before the pandemic.

I could use a variety of recent economic statistics to support my point, but I don’t think I have to as most of us have now seen these phenomena firsthand.

In the post-COVID economy, it turned out to be a lot easier to stimulate demand than to restore supply. Our modern on-demand economy is a marvel of technology, transportation and logistics, but as we find out, it only takes one flaw in the chain to turn an impressive process into a closed mess, and with the productivity of productivity “Work at home” is falling through the floor, it seems as if nobody is picking up the phone to listen to customer problems, let alone solve them.

Expensive Annie: My spouse didn’t thoughts spending my cash, however now that she makes greater than me she has an issue sharing

I’ve been married for 20 years. When my wife and I got married, I was the sole breadwinner. I had a very good job and had a pretty comfortable life. My wife stayed home and raised our children. In 2008 technological advances made my work obsolete. I had to start over and reinvent myself in a different industry. We struggled financially for years; it was difficult and weighed on our marriage. Today I have a full time gig and I make decent money and a side business that is fine. My wife has a full-time job and a part-time job, and she makes almost double mine.

My problem is this. In all the years that I have been the sole breadwinner, my salary has been “our money”. Now that she makes the lion’s share, her salary is “her money”. She expects me to pay my expenses with my own salary. For example, I recently had an expensive car repair done. She bought me the money, but she wants me to pay her back. It doesn’t matter that my car was our only car for a long time and that she added half the kilometers and the wear and tear herself.

I just feel taken advantage of – as if she has forgotten the sacrifices I made all those years ago. It really makes me angry. I mentioned it to her before and she got better for a while, but now her attitude is back to what it was before I mentioned anything.

Annie, I’m not charging. I’ll pay my share. Only sometimes, when there is a major unexpected expense, do I need a little help. I don’t feel after everything I’ve done and gone through together that I should be embarrassed about asking for money. What should I do? – Husband of a forgetful wife

Dear HTAFW: Adjustments to settings require regular coordination. Gently remind her of your previous conversation and let her know that you noticed the problem reappeared. She was receptive to your feedback last time; it will probably be this time too. This is one of the most valuable goods a couple can share: a willingness to listen to each other and try to change accordingly.

And to distract answers from people who think a married couple should always pool their entire fortune: Yes, it can be difficult to merge lives without pooling their finances, but it is possible and more and more couples are choosing to do so. Some have found a good balance with a “you, me, us” approach – sharing a bank account for household expenses and utilities and things like car maintenance, while each has a separate bank account for discretionary expenses. You and your wife might consider trying this for more harmony.

Dear Annie: After reading the letter about office workers trying to address a coworker with body odor, I wanted to let people know what worked for me after struggling with embarrassing BO for decades. I shower daily, wash with lever soap, shave my armpits every day, and apply witch hazel on my armpits when they are dry. I also spin through four different deodorants (three of which are for men, even though I’m a woman). It took several years to do this every day before I no longer had a problem. – Stuck with him

Dear Stuck With It: Witch Hazel, which can lower the pH of the skin and make bacteria difficult to thrive, is a smart idea here, and it can be kept in a spray bottle for easy spraying, no cotton balls or pads needed.

view previous ‘Dear Annie’ columns

Ask Me Anything: A Year of Advice From Dear Annie is out now! Annie Lane’s debut book – with favorite columns on love, friendship, family, and etiquette – is available in paperback and e-book. visit for more informations. Send your questions to Annie Lane at


5 Desi-Fashion Pizza Recipes That Will Blow Your Thoughts

Do you remember the first time you experimented with the toppings on your homemade pizza? You felt like a Michelin-starred chef, didn’t you? The first time you threw in extra mushrooms because you ran out of peppers, or added a different type of cheese to the base because plain mozzarella didn’t seem enough. If we have learned something from making pizza at home, there are endless ways to reinvent and reinvent your pizza. And while you’re at it, how about giving it a desi-fusion twist? Yes you heard us In this list we have put together some of our fancy but drooling recipes for you. From base to topping, there are many ways you can modify your pizza with ingredients that are right around you.

5 Desi Style Pizza Recipes That Will Blow You Away:

1. Naan Veggie Pizza

Leave the pizza base behind for our own naan and watch the magic unfold. Naan, an Indian sourdough bread, makes a great base for homemade pizza. Throw in some cheese, vegetables and a sauce of your choice and you’re good to go. Click here for the recipe.

Throw away the pizza base for our own naan

2. Kebab and paneer pizza

Italian pizza has a Mughlai twist to it. This laden pizza features smoky hot searchh kebabs as well as diced paneer, onions, cheese, and a whole load of spices and herbs. Have you already sipped? Click here for the recipe.

3. Uttapam pizza

If there is one dish that could qualify as “Indian Pizza” it has to be our dear Uttappam. Although it’s made in a pan and is much crispier, both delicacies share some strikingly similar characteristics. This Uttapam pizza comes with good quality carrots and tomatoes. Here is the recipe of the South Indian recipe with a twist.

This Uttapam pizza comes with good quality carrots and tomatoes

4. Kuttu Atta Pizza

Wait what ?! Our humble Kuttu Ka Atta (or buckwheat flour) could also be used as a pizza base? It turns out that this recipe, which also includes your other “pizza essentials” like mozzarella, sauce, and cottage cheese, can give your pizza a healthy, high-fiber upgrade. Click here for the recipe.

5. Jalebi-Rabri Pizza

In the mood to experiment, you’d love this “sweet surprise”. Thin, crispy pizza base with crispy jalebis and silky rabri. Best of all, you can’t stop at a disc. Here is the recipe.

Try these pizza recipes and let us know how you liked it in the comments below.

(This content, including advice, contains general information only. It is in no way a substitute for qualified medical opinion. Always consult a specialist or your own doctor for further information. NDTV is not responsible for this information.)

About Sushmita SenguptaSushmita has a strong penchant for food and loves all things good, cheesy, and greasy. Her favorite pastimes other than discussing food include reading, watching movies, and watching TV shows.

Thoughts on Cash: The renewed consideration to inflation | F. Marc Ruiz: Your Thoughts on Cash

In my professional opinion, the Federal Reserve has been able to aggressively expand the money supply in the economy not only because of the disinflationary forces of the 2008-2009 financial crisis, but also because of the globalization trend which tends to lead to a decline in the workforce and cost of production as well as some demographic trends in western Countries where the baby boom generation was spending less money when they retired and the giant millennial generation had not yet entered their highest-earning lifetime. These three trends together gave the Fed plenty of room to create and integrate new money into the economy without leading to a general rise in prices, also known as inflation.

Then came COVID, which in many ways resembled a combination of a natural disaster and a public policy crisis. On the natural disaster side, the COVID crisis was rapid, deep and temporary, much like a hurricane or earthquake. On the public order side, governments forcibly reduced economic activity to control the virus, resulting in a political disaster similar to a major war or permanent budget shutdown.

Lessons from the 2008-2009 period, the Fed, having had no inflation for the past decade, felt comfortable adding an unprecedented amount of new money to the economy and markets, and the federal government had learned from the perceived political as well Failures from 2008-2009 also got on the train, making direct payments to businesses, public services and households. Simply put, a lot of money being spent on many people in many ways.

Thoughts on Cash: What the bond market is telling us | F. Marc Ruiz: Your Thoughts on Cash

What does all this possibly mean? Well, yield, or interest rates in their purest form, are an indicator of economic growth and potential inflation. Traditionally, returns will tend to be higher when investors believe the economy is likely to grow, and prices of goods and services are likely to rise as a result. A move from 0.51% to 1.38% could logically be interpreted to help investors become more familiar with the post-COVID economic recovery.

On the same side of the coin, credit spreads are also an indicator of investor confidence in the economy. When investors feel that the economy is slowing, they become more concerned about companies defaulting on their bonds and demand more returns on buying those bonds. The opposite can be said when investors think the economy is likely to grow. In this case, the risk of default decreases and credit spreads narrow, also known as narrower.

What we have right now are rising bond yields and tighter credit spreads, two signs that investors expect a decent post-COVID economic recovery if vaccines are used. All of this makes sense, but that’s where the “academic” lesson in bond returns ends.

In the real world, financial markets are heavily manipulated by the Federal Reserve and the economy is about to receive another major economic boost from the federal government. Since the dark days of March 2020, the US Federal Reserve has been making billions in “asset purchases” every month, and this week, those asset purchases are not ending anytime soon, according to Jerome Powell, chairman of the Fed.

Thoughts on Cash: Take a practical have a look at the way forward for power | F. Marc Ruiz: Your Thoughts on Cash

There may be occasional spikes in oil and natural gas prices, and stocks of carbon fuel companies can rebound on a regular basis, but as far as I can see, the future in this area is not promising. This doesn’t mean that companies that produce, transport, use, and refine carbon fuels will stop generating profits and dividends for decades, but the growth story is over in my opinion. I see these companies as a so-called “value trap”.

However, the world will not stop using energy. I know the promise of renewables is compelling, but in a power hungry world, both sun and wind pose serious challenges. After what happened to the frozen wind power grid in Texas this week, I think it will be difficult to find future capital or even government interest in big winds. Of the two technologies, you will not find me as an investor when I look at windmills. I like solar a lot better.

What I like about solar energy is that costs are falling and service capabilities are evolving. I can think of some kind of microgrid system where within a decade most new homes and even commercial buildings have an integrated solar power system that reduces reliance on the carbon powered grid. This vision leaves a lot of room for entrepreneurship and that is why I am open to looking for new investment opportunities in solar. Solar panels, lithium batteries, and solar service providers are all on my radar.

Thoughts on Cash: Time to take one other have a look at the Roth IRA | F. Marc Ruiz: Your Thoughts on Cash

The motivating factor for this second look is the likelihood that under the new Democratic regime in Washington, the attractive tax rates introduced under the previous administration will likely drift higher, but not until next year due to COVID.

With a little math and some reasonable assumptions, I think it might be possible to conduct some kind of tax arbitrage where a Roth switch in 2021 would make investors, especially those granted deferment from the RMD, pay taxes in the EU In the current low interest rate environment, higher tax rates can be expected for themselves or their beneficiaries in the future.

It’s hard to overstate how attractive current tax laws are to families in the $ 80,000 to $ 125,000 income range, which is a very common range for many retirees. By using a Roth IRA conversion to fill those attractively low tax brackets and essentially moving money to a Roth IRA tax haven, potentially less attractive tax rates for retirees and their final beneficiaries can be avoided in the future.

This information is not a substitute for specific individual tax advice. We encourage you to discuss your specific tax issues with a qualified tax advisor. Traditional IRA account holders need to give some thought before a Roth IRA conversion. Above all, this includes income tax consequences for the converted amount in the year of conversion, redemption restrictions from a Roth IRA and income restrictions for future contributions to a Roth IRA. If you need to make a Minimum Required Distribution (RMD) in the year you convert, you must do so prior to converting to a Roth IRA. Marc Ruiz is an asset advisor and partner of Oak Partners and a registered agent of LPL Financial. Contact Marc at Securities offered through LPL Financial, member FINRA / SIPC.