Search found 123 matches

by naha66
Tue Oct 10, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14734

Re: Dividends vs. Capital Gains for Spending Needs?

I make less than the median American wage and dividends are a problem for me. Why? They are an inefficiency which costs me extra money at tax-time, because California taxes me 6% on my dividends. Another apples to oranges case i pay no state taxes where I live. It not my fault you live in Californi...
by naha66
Tue Oct 10, 2017 1:21 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14734

Re: Dividends vs. Capital Gains for Spending Needs?

I make less than the median American wage and dividends are a problem for me. Why? They are an inefficiency which costs me extra money at tax-time, because California taxes me 6% on my dividends. Another apples to oranges case i pay no state taxes where I live. It not my fault you live in California...
by naha66
Mon Oct 09, 2017 11:01 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14734

Re: Dividends vs. Capital Gains for Spending Needs?

I love dividends! Well, not exactly, but I do tilt toward dividend paying stocks in my portfolio. I simply do so in my Roth IRA. Value stocks tend to be more likely to pay a dividend as compared to growth stocks, and I own Vanguard’s small cap and mid cap indexes in my Roth IRA. I also own the REIT...
by naha66
Sat Sep 23, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 11884

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

I agree with Larry on this one. Plus, high dividend stocks are likely overvalued due to behavioral aspects-i.e. there are lots of people who irrationally prefer them. Because dividend stocks have interest rate term exposure, falling interest rates have been a significant headwind for dividend stock...
by naha66
Mon Sep 18, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 4989

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

Is is fact that the average bull market is 9 years and growth is 4%. We still haven't hit 9 and growth is still about 2%.
by naha66
Sun Sep 17, 2017 8:30 am
Forum: Investing - Theory, News & General
Topic: Investing in a Low-Return World: Howard Marks' 6 options
Replies: 44
Views: 4029

Re: Investing in a Low-Return World: Howard Marks' 6 options

Let me know when the low returns get here, then I'll make a pick. You know what it might start tomorrow or maybe 5 years from now, who knows.
by naha66
Fri Sep 01, 2017 1:55 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 36203

Re: Michael Kitces 4% rule podcast on Madfientist

Recently, I've been tracking the yield of my portfolio both in terms of dollars and %. Its been more of a curiosity; but lately I've started thinking about it as an income floor that the portfolio can generate, while anything over that as supplying variable income. To put numbers on it, say 2% is t...
by naha66
Thu Aug 31, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Absolute noob when it comes to investing needs advice
Replies: 80
Views: 4768

Re: Absolute noob when it comes to investing needs advice

+1 on the annuity He in Otar's red zone. In fact I would buy one now for enough to reach his $1500 income needs, and invest the rest in something safe with about a 50/50 allocation. Then sometime in early 70-75 look at buying another one if needed for inflation. I would also look at moving to a LCOL...
by naha66
Mon Jul 10, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 16758

Re: Dividend Misunderstandings & Only Spend Return

A major point in the dividend debate is the fact that dividends are taxed at a higher rate than capital gains . Most people think that the money will be better spent by the taxpayers than the government. I think that some investors believe that they will spend the profits better than the folks who ...
by naha66
Fri Jul 07, 2017 1:52 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 16758

Re: Dividend Misunderstandings & Only Spend Return

6. Aversion to "selling" - it feels like a loss of assets. As long as the number of shares doesn't go down then I don't feel like I am decumulating. Coda. If the company is buying back stock you are actually *accumulating* even though it won't feel like it. [/b] The only problem with buying back sh...
by naha66
Tue Jul 04, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand this preferred stock
Replies: 11
Views: 1096

Re: Help me understand this preferred stock

I have traded preferred stocks for a couple decades but never owned this one. The issuing company, Chico's FAS , is a women's apparel enterprise. The preferreds are callable at $25 per share in 2023 and 2025 respectively. You can find more detailed information on the links below from http://www.qua...
by naha66
Sun Jun 18, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 132
Views: 13372

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

Do you want $300 a month that you don't pay any taxes on? Or do you want $600 a month that you pay $300 a month taxes on leaving you with $300 a month to spend? Why do smart people make statements like this, not everybody is in the same tax bracket/situation. These blanket statement are bad, you ne...
by naha66
Sun Jun 11, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Financial Advice for a Widow
Replies: 21
Views: 2669

Re: Seeking Financial Advice for a Widow

Single Premium Immediate Annuities are about the only annuities recommended on the forum. Consideration might be given to so called longevity insurance. All such products have drawbacks and are not for everyone but they are worthy of consideration particularly with the disappearance of the employer...
by naha66
Mon May 29, 2017 4:12 am
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 6618

Re: Retiring in southern college town

Barefootgirl wrote:
It's not like the south is really that different, anyway.
From my point of view, it's quite different, but less so in college towns and most of Florida.

I am looking forward to leaving.





:beer I've have a beer when you leave :D
by naha66
Thu May 25, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 40
Views: 6415

Re: Ally 1 Day Transfer

I spoke to Ally today since I was not seeing 1 day transfer as an option for one of my external bank accounts, but was seeing for another. They informed me that in order to qualify for 1 day transfers, you must have transferred at least $200 every 60 days and their system only checks this every 3 m...
by naha66
Tue May 16, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 8008

Re: How Old Habits Can Sabotage Retirement

Hmmm. There are better ways to ensure prudent spending in retirement while allowing investors to maintain the psychological comfort of a wall between capital and income. One is by “managed payout” funds that pay a percentage of their value, such as an annual 4% “income,” in installments specified b...
by naha66
Mon May 15, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 1029

Re: Safe, low volatility ETFs with monthly dividend payout

Can anyone recommend one or more safe, low volatility ETFs with monthly dividend payouts? Thanks. I don't know what your definition of "low volatility" covers. Short term bond funds (above) have the lowest volatility but the lowest dividends. An Intermediate bond fund will pay out more, b...
by naha66
Sat May 13, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: recent widow needs help with life insurance payout options
Replies: 44
Views: 3567

Re: recent widow needs help with life insurance payout options

If I am hearing people correctly it sounds like Option #3 (Life Income) is not "the deal of a lifetime", i.e. I thought collecting $356,000 if I live to age 85 sounded like a huge amount of money, but maybe it's not.. I wouldn't go so far as to say it's the "deal of a lifetime",...
by naha66
Tue May 09, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: S. Korea (Seoul+DMZ tour+?), 1 week in mid-May
Replies: 13
Views: 1648

Re: S. Korea (Seoul+DMZ tour+?), 1 week in mid-May

Wow, Korean food lousy? I think it's a highlight of a trip to Korea. It's worth investing some time to learn about it before you go. With a week, you won't have time to venture too far from Seoul, especially with a day spent at the DMZ. You might try a day trip to Suwon fortress and a day at the Ko...
by naha66
Mon May 08, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 258
Views: 39020

Re: Kotlikoff: When Should you Take Social Security?

Its their retirement, so they should do what makes them happy. However, I have found that many folks on this board are predisposed to collect at 70 and pretty much blow off any opposing collection strategies.

I have a minor child, I would be dumb to wait.
by naha66
Sun May 07, 2017 2:50 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3808

Re: Deceptive Billing by Dermatologist?

DW contacts local dermatologist practice to inquire about having a few lesions frozen as a cash / customer pay transaction. She is given a number as a flat fee for freezing up to xx number of lesions. She arrives at office and again explains her reason for visiting and pays up front the flat fee. O...
by naha66
Sun Apr 30, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3808

Re: Deceptive Billing by Dermatologist?

Let me play the Devil's advocate. A patient goes to a dermatologist for self paid cosmetic work. During the exam the the dermatologist sees a lesion which is a possible melanoma (serious skin cancer). But because the patient was there for only the cosmetic work she disregards it. The lesion indeed ...
by naha66
Sat Apr 01, 2017 1:02 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 13006

Re: Do you use lifestrategy/ asset allocation funds?

'm looking at Ishares AOM iShares Core Moderate Allocation ETF, being a Expat(us citizen) not suppose to own mutual funds. Schwab says I can own these. I'm at Scottrade now pending their merger with Ameritrade and they don't like expats. Anybody have thoughts on these etf"s. AOM looks like 40/6...
by naha66
Mon Jan 30, 2017 1:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 133
Views: 31278

Re: Vanguard's Wellesley Income fund is incredible

Dottie57 wrote:Is OP taling about Wellesley or Wllington? Wellesley is not 60/40 stocks to bonds but. About 33/66 according to Vanguard site. Wellinton is the on which is 60/40.


Read the OP again.
by naha66
Sat Jan 28, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Help with mother-in-law's finances
Replies: 34
Views: 3000

Re: Help with mother-in-law's finances

I don't know what you people are reading, her expenses are only 30k a year. If she take the annuity her monthly short fall is $820, take 6k out of the 401k(+a little extra to cover taxes). As for the downsizing comment Why? She is going to be making 45k plus a year and the $1680 annuity. 265K in a 4...
by naha66
Fri Jan 20, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Diversified Equity Fund (VDEQX) on taxable
Replies: 9
Views: 878

Re: Vanguard Diversified Equity Fund (VDEQX) on taxable

I would look at VEIPX(Vanguard Equity-Income). Not everybody has to worry about investments in taxable.


https://www.portfoliovisualizer.com/bac ... sisResults
by naha66
Sat Jan 07, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Income funds
Replies: 26
Views: 2633

Re: Income funds

FARFX appears to be closed to new investors, maybe you mean FIXRX? In my personal opinion the Fidelity "income replacement" funds are just silly. It's hard to think of a situation in which they make sense. You can come up with scenarios, but you have to think about them. The big problem i...
by naha66
Sat Dec 10, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX, VWELX, VWINX - keep or sell?
Replies: 4
Views: 823

Re: VDIGX, VWELX, VWINX - keep or sell?

They are closing VDIGX to new money because too much $$ is going in it. Vdigx it is a very popular fund just not on this board. VDIGX has outperfomed VTI for the past 15 years.


http://performance.morningstar.com/fund ... ture=en_US
by naha66
Tue Nov 08, 2016 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio adjustments?
Replies: 3
Views: 627

Re: Portfolio adjustments?

Zero deb t Single Fed tax 15% state tax 3.51% Nebraska,spend 10 months living overseas 61 retired 45/55(counting cash) Less than 20% international mid 6 figures SS 62\1675,66/2/$2230, 70/$2950 Taxable 55% Cash 16% at capital one money market at !% Veipx 19% Vanguard Equity-Income Bnd 15% Bsv 5% Van...
by naha66
Sat Nov 05, 2016 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio adjustments?
Replies: 3
Views: 627

Portfolio adjustments?

Zero deb t Single Fed tax 15% state tax 3.51% Nebraska,spend 10 months living overseas 61 retired 45/55(counting cash) Less than 20% international mid 6 figures SS 62\1675,66/2/$2230, 70/$2950 Taxable 55% Cash 16% at capital one money market at !% Veipx 19% Vanguard Equity-Income Bnd 15% Bsv 5% Van...
by naha66
Sun Oct 30, 2016 12:02 am
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 7330

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calculat...
by naha66
Sat Oct 29, 2016 11:49 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 7330

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calculat...
by naha66
Sat Oct 29, 2016 11:40 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 7330

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calculat...
by naha66
Thu Oct 27, 2016 9:30 pm
Forum: Investing - Theory, News & General
Topic: Part one of two parter on dividend strategies via active funds
Replies: 5
Views: 767

Re: Part one of two parter on dividend strategies via active funds

Since I can't buy DFA funds without a advisor, What are your fees? I could not find them on your site.
by naha66
Fri Oct 14, 2016 2:33 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 164
Views: 21168

Re: Larry Swedroe's New Book is Available Now!

Naha66, "Financial Porn" is a pretty strong statement. The TSMers can certainly argue whether diversifying across factors is worth the increased costs, complexity, tracking error. But describing a Larry Swedroe book as "Financial Porn" is really completely out of line. As I'm su...
by naha66
Thu Oct 13, 2016 8:43 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 164
Views: 21168

Re: Larry Swedroe's New Book is Available Now!

This is financial porn for the vast majority of us, The book is for the financial geeks of the board, will it really make much of difference. I don't think so.
by naha66
Fri Oct 07, 2016 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Foresters Life? [Life Insurance]
Replies: 43
Views: 3595

Re: Foresters Life?

I corrected the typo - these are Deferred INCOME Annuities not INDEX ALL annuities are garbage. That's basically an immediate annuity. Post a link to the prospectus and I'll dissect it. Putting money into an immediate annuity (AKA income annuity) is like deciding that taking a vacation at age 65 is...
by naha66
Tue Oct 04, 2016 11:41 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 6358

Re: Mitsubishi ductless heating/cooling unit

I have the Mitsubishi mini-split system in our new addition. I cannot believe how cool in makes the new 12X20 room. In just 5 minutes if I turn on the AC it works great. This unit is not noisy at all, very quiet. It does blow air like a breeze so don't put it in direct flow of where you are sitting...
by naha66
Sun Oct 02, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Desktop vs. Laptop Computer
Replies: 56
Views: 5204

Re: Desktop vs. Laptop Computer

Desktop is the best if you have tablets already. Desktops last longer, are easier/cheaper to fix and upgrade.
by naha66
Wed Sep 28, 2016 10:09 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 55
Views: 9872

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

rattlenap wrote:Yes, Warren Buffett actually stated on more than one occasion this is what he would recommend for the average investor. Whether he is right or not is anybodies guess.


Show me where he is quoted saying this, and when he is not talking about his wife's trust.
by naha66
Mon Sep 26, 2016 5:26 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 55
Views: 9872

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index Where did he recommend that? I only saw where he instructed the trustee for his wife's assets to invest his wife's assets that way after he is gone. +1 I think either people can't read or don't bother.
by naha66
Fri Sep 16, 2016 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Met life Modified Annunity Contract
Replies: 21
Views: 2239

Re: Met life Modified Annunity Contract

Hey boglefeet (JoeyMarket) if you don't know the the terms of the annuity you have no business telling him what to do. Lets Wellsroad report back on the terms of annuity and some of the poster on this site that know annuities can give him suggestions. To make the blanket statement this annity is ba...
by naha66
Wed Sep 14, 2016 3:38 am
Forum: Investing - Help with Personal Investments
Topic: Met life Modified Annunity Contract
Replies: 21
Views: 2239

Re: Met life Modified Annunity Contract

Hey boglefeet (JoeyMarket) if you don't know the the terms of the annuity you have no business telling him what to do. Lets Wellsroad report back on the terms of annuity and some of the poster on this site that know annuities can give him suggestions. To make the blanket statement this annity is bad...
by naha66
Wed Sep 07, 2016 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 6886

Re: Early Retirement - Planning Questions ... UPDATE

Her 401k at work (not available until she is 65 per 401K plan.

Is this true? I have never heard of this, not even a roll over when you leave for any reason?
by naha66
Wed Sep 07, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: PDT. What is this fund?
Replies: 15
Views: 1379

Re: PDT. What is this fund?

Seems PDT is a relatively high cost, high risk, leveraged closed end fund that has performed well in an environment of generally decreasing interest rates when many investors are grasping for yield . There appears to be few competitors in this sector of the closed end arena. This fund may not perfo...
by naha66
Wed Sep 07, 2016 6:27 am
Forum: Investing - Help with Personal Investments
Topic: PDT. What is this fund?
Replies: 15
Views: 1379

Re: PDT. What is this fund?

It may have high fees but the manager has earned it. I used to own it, hindsight wish i hadn't sold it.

http://performance.morningstar.com/fund ... ture=en_US
by naha66
Tue Aug 30, 2016 11:53 pm
Forum: Investing - Theory, News & General
Topic: Farmland investing
Replies: 35
Views: 5136

Re: Farmland investing

We own a large family farm in Nebraska and, like mentioned in previous posts, farmland prices have cycles and we currently are near peak bubble price levels (it currently is 10% down from the peak in mid-2013). This particular farmland bull market started in 2005 with the approval of the Renewal Fu...