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Cody Mercurio

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    • Our HOA fees increase a flat 10%.

      Post: The condo, HOA, senior citizen conundrum

      Link to comment from April 19, 2026

    • It is good not to have any debt.

      Post: The $8,000 Cost of Peace of Mind

      Link to comment from January 20, 2026

    • I like to use AI for my research. Here are some AI generated facts in regard to the number of listed exchange stocks in USA. *****AI Overview The number of US public stocks has dropped drastically: from around 8,000+ in the 1990s (peaking near 8,800 in 1997) down to roughly 4,000-4,900 by late 2024/2025, representing a decline of about 50% due to regulatory costs, M&A, and private capital alternatives, with a trend continuing into 2025.  1990s (Peak Era) 

      • ~8,000 - 8,800+ Companies: The US stock market had significantly more publicly listed companies, peaking around 1997. 
      2025 (Current Trend)
      • ~4,000 - 4,900 Companies: The number has roughly halved since the late 90s.
      • Wilshire 5000: Even broad indexes show this, with the Wilshire 5000 dropping from 5,000 to around 3,600 stocks.
      • Specific Exchanges (2025): Nasdaq had about 3,450, NYSE ~2,200, and OTC ~6,500 listings. 
      Why the Decline?
      • Regulatory Burden: Post-Sarbanes-Oxley, compliance costs have deterred companies from going public or staying public.
      • Mergers & Acquisitions: Many public companies have been absorbed by larger entities.
      • Rise of Private Capital: More funding options exist outside of public markets, allowing companies to stay private longer. 

      Post: The Incredible Shrinking — Stock Market?

      Link to comment from December 17, 2025

    • The issue with Aunt IRMAA is that once you hit a certain dollar amount one finds oneself kicked up into the the next much higher payment level. For example, our income was $12 above the next payment level for IRMAA triggering an additional $140 per month. If the Aunt IRMAA increase were similar to marginal tax bracket increases it would seem fair (to me). Now, I see we are nearing the next higher IRMAA level. It would be frustrating to earn a few extra dollars in income but need to pay hundreds more per year as a result.

      Post: IRMAA 2026 Of course it is fair

      Link to comment from November 2, 2025

    • If there is any truth to the presidential cycle theory then next year will be the 2nd year for this president and could inflict a major market downturn.

      Post: Is The Stock Market Overvalued?

      Link to comment from October 18, 2025

    • I think a method to use to keep people working longer is for the federal government to offer a $2000 tax credit against federal income taxes for anyone working full time past their 65th year. Some states with low unemployment rates could offer a similar tax credit against state income taxes.

      Post: Worried? Concerned? Confident? About the future of Social Security and Medicare

      Link to comment from March 25, 2025

    • Realize that if you ar born in the United States that you have already won the lottery. The rest is up to you!

      Post: What life lessons would you like to pass on to the next generation?

      Link to comment from November 23, 2024

    • More important than the dividend is the corporation's payout percentage. When reviewing a stock I always check the payout ratio. Personally, I prefer companies that have less than a 50% payout ratio. I don't understand how some companies cannot cover the shareholder dividend payment from free cash flow and do not suspend or cut the dividend.

      Post: Don’t Dis Dividends

      Link to comment from November 9, 2024

    • I live in a 55+ development and find a good number of my fellow neighbors are driving fancy high priced vehicles, such as the Bentley, Porsches, and Mercedes What some of them do is rent the vehicle for a few years to enjoy the car. After they get the Bentley out of their system the leasee will move onto another fancy automobile.

      Post: Quinn is considering buying a Bentley

      Link to comment from September 8, 2024

    • Well, I'll be damned! It turns out to be one hell of a great country in which to live, after all. As a baby boomer, I think there is always opportunity in this great nation. Regardless of our occasional economic dislocations this is the best economic machine that mankind has been able to develop, so far. I am still in disbelief that our unemployment rate is below 4% for so long.

      Post: Youth May Triumph

      Link to comment from May 17, 2024

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