Search found 471 matches

by not4me
Mon Dec 10, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Great Personal Loss – Guidance and Financial Questions
Replies: 18
Views: 2230

Re: Great Personal Loss – Guidance and Financial Questions

1st & most important is extending sincere sympathy. I know no words from me can help with that grief. In addition to previous posts...I wasn't clear on whether she was employed at time of death, but there may have been some form of life insurance (group or individual) through her employer. Any compa...
by not4me
Mon Dec 10, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: USLT Ultrashort Term Bond
Replies: 6
Views: 445

Re: USLT Ultrashort Term Bond

Not the 1st thread I've seen lately on use of ultrashort funds & you might be well served to review those. One in particular brought out that some didn't understand the differences between funds, especially those that had larger amounts of floating rate holdings. Since FLRN & FLOT both fit that cate...
by not4me
Mon Dec 10, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: US Treasuries vs Munis in taxable
Replies: 21
Views: 3558

Re: US Treasuries vs Munis in taxable

This may have been covered as I didn't read everything, but I didn't see in my skimming. Considerations may be too small to tilt the scales as well. 1st, & I think this might apply more to ETFs than funds, is to consider liquidity. If you have some degree of flexibility on how quickly you can exit, ...
by not4me
Mon Dec 10, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Capital Gains and Basis
Replies: 2
Views: 305

Re: Capital Gains and Basis

Just a word of caution. While in most cases you get a step-up in basis at death, it isn't always the case. You should determine & understand what the cost basis was when it was titled in your name. Depending upon when you inherited these, the account holder may be of assistance. 2nd, some mutual fun...
by not4me
Fri Dec 07, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Help with ReClaimed Funds
Replies: 4
Views: 242

Re: Help with ReClaimed Funds

It actually is in ComputerShares. The funds were custodial so her name was on them as well. It’s weird how it’s workung, they just appear in the ComputerShares account, no contact or anything. There is a good chance that a lot of the cash we are getting are unclaimed dividends from awhile ago, but ...
by not4me
Fri Dec 07, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Help with ReClaimed Funds
Replies: 4
Views: 242

Re: Help with ReClaimed Funds

I don't think it is a dumb question & not sure I have the best answer. To start with, I'd make sure that the state didn't receive them & pass them along. If not, I'd look on web site for that company (like an ATT) & find their transfer agent & contact them. Many use Computershare & you might be able...
by not4me
Fri Dec 07, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Preferred stock vs. cd vs. common
Replies: 4
Views: 347

Re: Preferred stock vs. cd vs. common

Looking for some advice regarding preferred stocks in electric utilities. I am am currently retired living very well off pensions. My ira holding are mostly in 12 quality electric companies. I’m investigating moving toward preferred stocks in this sector versus common. I’m not interested in voting ...
by not4me
Tue Dec 04, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Yield Curve = Inverted
Replies: 58
Views: 5951

Re: Yield Curve = Inverted

...This: ...An inversion of the 2- and 10-year yields has been a reliable recession indicator in the past. Not all inversions have led to a recession, but recessions have always been preceded by inversions, according to Michael Schumacher, the director of rates at Wells Fargo. I'd like to see the d...
by not4me
Tue Dec 04, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Selling stock +?
Replies: 7
Views: 843

Re: Selling stock +?

Vulcan721 wrote:
Mon Dec 03, 2018 9:56 pm
However, I wonder if it will be a tax nightmare if they are sold.
If you donate the shares to a charity, the cost basis is no longer important -- whether you give them all away or in part.
by not4me
Tue Dec 04, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA Avoidance Strategies
Replies: 20
Views: 1669

Re: IRMAA Avoidance Strategies

As a number of posters have mentioned there is a range of possibilities that you should be able to see where you should avoid worrying about the IRMAA and just save the thousands in taxes, but the point of this excercise is to show if you focus on just "living off the income" you won't likely do ei...
by not4me
Mon Dec 03, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA Avoidance Strategies
Replies: 20
Views: 1669

Re: IRMAA Avoidance Strategies

No, what I was saying is that by reducing the dividend and interest income in favor of captial gains, you could reduce your AGI. Both of the above are essentially a "redefinition of risk" in the traditional sense, so if you can't buy into that you can't reduce your bond allocation. That's why I sai...
by not4me
Mon Dec 03, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA Avoidance Strategies
Replies: 20
Views: 1669

Re: IRMAA Avoidance Strategies

strategies that possibly produce less taxable income in retirement for the same investment risk. I'm having trouble understanding what you are suggesting. I think you are trying to contrast 2 portfolios, one being VTI. I'm not clear on the other. I get that shifting from bonds to stocks in taxable,...
by not4me
Mon Dec 03, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: [Deleted]
Replies: 7
Views: 780

Re: Please Help: Receiving Farm Land

My family has owned/invested in farm land for generations. I will eventually receive some of this land, though I am not familiar with farm management. As they age, my parents often talk about how burdensome farm management has become, but they don't want the profits to be eaten up by paying a farm ...
by not4me
Sat Dec 01, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Difference between Vanguard Div. Growth vs. Dividend Appreciation
Replies: 3
Views: 651

Re: Difference between Vanguard Div. Growth vs. Dividend Appreciation

The 'Appreciation' fund is geared toward companies that have a history of growing dividends. The 'Growth' fund is aimed at companies that have the 'ability & commitment' for dividends, presumably regardless of the past. You can also look at the top 10 holdings & see there is a difference. Whether th...
by not4me
Sat Dec 01, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: [Understanding volatility in ultrashort bond funds]
Replies: 49
Views: 5208

Re: Ultrashort bond funds in freefall

Defaults and downgrades activity could be much more prevalent at times, and over a given period credit spreads can widen (and hurt performance over that period, if rapid enough). But over a normal period like this, investors had a pretty decent time, I would say, for what it does and the risk. Hope...
by not4me
Fri Nov 30, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: [Understanding volatility in ultrashort bond funds]
Replies: 49
Views: 5208

Re: Ultrashort bond funds in freefall

So an "ultrashort bond fund" made of floating rate bonds and one made of fixed rate bonds are completely different animals? OP said he was going to research & I hope he will & report back and/or someone who knows more than I will give better explanation. My take is that most floating rate bonds (& ...
by not4me
Fri Nov 30, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: [Understanding volatility in ultrashort bond funds]
Replies: 49
Views: 5208

Re: Ultrashort bond funds in freefall

Now, why would securities with maturities of 1 month to five years end up with a duration of 0.15 years? nisiprius, don't know if you read my previous post in this thread, but I noticed you didn't really acknowledge the distinction between the two funds you posted on in regards to one being floatin...
by not4me
Fri Nov 30, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Lost in Trees on Roth conversion and IRMMA
Replies: 16
Views: 1335

Re: Lost in Trees on Roth conversion and IRMMA

Didn't try to validate your numbers, but I sensed you were more interested in whether you touched all the bases. Since you didn't mention this, I'll ask if you considered any asset allocation adjustments? That is, as conversions occur, change where your growth is expected. Without knowing the nature...
by not4me
Fri Nov 30, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: [Understanding volatility in ultrashort bond funds]
Replies: 49
Views: 5208

Re: Ultrashort bond funds in freefall

I don't think that's it. Timeline is wrong. These supposedly have "ultrashort" duration, though there seems to be some trick to that that I don't understand. It's (mostly) something else, but I don't know what. I'm not sure that I have the answer, but wondering which timeline you are looking at whe...
by not4me
Thu Nov 29, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 1619

Re: When to cash in EE Savings Bonds

Adding to the comment about semiannual crediting of interest & also the rate currently in effect...May 2019 the interest will again be adjusted & for the dates mentioned, the new rate will be 85% of the 6 month average of 5 year Treasury security yields. That will then be in effect until November 20...
by not4me
Wed Nov 28, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange VG variable annuity for fixed deferred annuity?
Replies: 2
Views: 400

Re: Exchange VG variable annuity for fixed deferred annuity?

One question I have is how close you are cutting it if you stay with just the Vg VA....that is, how far can the value fall before pain starts. Don't have to get into actual numbers as much as saying "if it falls more than x% at time of annuitization....". Also, without getting overly complex, you ca...
by not4me
Wed Nov 28, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Assuming vs Inheriting an IRA
Replies: 8
Views: 760

Re: Assuming vs Inheriting an IRA

I'm not sure I understand the facts. Does the beneficiary have an existing (non-inherited, non-ROTH) IRA? If there is one, my understanding is the IRA from the deceased can be rolled into it & RMDs continue as they would otherwise. I'm also assuming there are no trusts involved & only one beneficiar...
by not4me
Mon Nov 26, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Private mortgage and estate planning
Replies: 9
Views: 647

Re: Private mortgage and estate planning

I've handled a number of estates where a beneficiary was in debt to the decedent and was always successful in distributing the note to the obligor/beneficiary as part of the beneficiary's share . It would avoid potential problems if this was specified in the will. Gill I think this & other post sho...
by not4me
Mon Nov 26, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting accounts as a beneficiary - potential issues and practical tips?
Replies: 32
Views: 2173

Re: Inheriting accounts as a beneficiary - potential issues and practical tips?

I believe I've heard some states don't let brokerage accounts get released either & maybe until state tax folks say they are satisfied as well on possible estate tax (realizing again that is state specific & not so much on "bank" accounts)? I've never heard of that, do you have a citation? Admitted...
by not4me
Mon Nov 26, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Contributing MLP to DAF .. any special considerations?
Replies: 1
Views: 150

Re: Contributing MLP to DAF .. any special considerations?

I briefly tried to find an IRS reference on this to see if my mind is recalling correctly -- but didn't find one easily. I think in this case the deduction is limited to how much the MLP would sell for today less original amount invested. For example, say you invested $10k at some point in the past ...
by not4me
Mon Nov 26, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Financial Advisor (Advice Please!)
Replies: 16
Views: 2023

Re: Inheritance and Financial Advisor (Advice Please!)

~610k in nonqualified annuity thru Jeff Nat. 540k is the cost-basis so roughly 70K in gains. Average expense ratio of my funds in Jeff Nat is 85 basis points. This is on-top of 75 basis points to advisor. I believe only other fee for annuity is flat $240 Jeff Nat fee but I could be wrong on this. S...
by not4me
Mon Nov 26, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Private mortgage and estate planning
Replies: 9
Views: 647

Re: Private mortgage and estate planning

I've handled a number of estates where a beneficiary was in debt to the decedent and was always successful in distributing the note to the obligor/beneficiary as part of the beneficiary's share . It would avoid potential problems if this was specified in the will. Gill I think this & other post sho...
by not4me
Mon Nov 26, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting accounts as a beneficiary - potential issues and practical tips?
Replies: 32
Views: 2173

Re: Inheriting accounts as a beneficiary - potential issues and practical tips?

Some miscellaneous thoughts...much harder to generalize & give concrete suggestions to cover all possibilities. Some things are state dependent or based on type of investment, etc. If beneficiary is a spouse, differs from non-spouse. Transfer on death is different than "just" beneficiary. Are there ...
by not4me
Sat Nov 24, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance questions.
Replies: 17
Views: 2092

Re: Inheritance questions.

]Yes,I am also the executor of the estate. I do have copies of both death certificates. Has the court named you executor? or are you saying this because the will nominates you as executor? Lawyer should help you understand the process. You mentioned contacting your lawyer -- have you also checked w...
by not4me
Fri Nov 23, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Helping elderly Mom with finances
Replies: 45
Views: 3495

Re: Helping elderly Mom with finances

OP, 1st of all, sounds to me that you've got a good grip on this & I know it is a difficult situation that won't be quickly resolved. 2nd, I'll readily admit I didn't read everything & apologize if already touched on. It really gets to how much of their financial lives are joint. I saw where an elde...
by not4me
Fri Nov 23, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Is this considered capital gains or income?
Replies: 27
Views: 2164

Re: Is this considered capital gains or income?

In addition to much of what has already been said, however it is handled needs to be consistent between you & the business. That is, brother's books need to reflect the same approach. Would be interested to know if he plans to issue a 1099, K1, etc....

& congrats!!
by not4me
Fri Nov 23, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 713
Views: 162790

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

Anyone have any thoughts as to using the new BAR ETF for their gold position within the Permanent Portfolio? The expense ratio looks cheap. Not as big as GLD and IAU, but cheaper. Is there a reason not to use BAR over GLD or IAU? The reason not to use BAR would likely be due to the liquidity of BAR...
by not4me
Fri Nov 23, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Inherited Tax Loss
Replies: 10
Views: 987

Re: Inherited Tax Loss

I'm neither a lawyer nor cpa & so take this advisedly.... I'm not so sure that it being a private reit is as key to understanding this as that it sounds as if you are "inheriting" via a trust. The private reit aspect may help explain the delay. I believe that if there a cap losses remaining after la...
by not4me
Wed Nov 21, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: % cash allocation for real-estate
Replies: 6
Views: 494

Re: % cash allocation for real-estate

I think when people hear "real estate" then they think different things. Many, if not most, on the forum think of either publicly traded REITs or being a landlord for a single family house. If you are including "loans to flippers", that might be part (albeit a very risky part) of your "bond" allocat...
by not4me
Wed Nov 21, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative/Clean Energy Investing
Replies: 13
Views: 1031

Re: Alternative/Clean Energy Investing

Greetings everyone, This is a great forum and I have found lots of success and helpful investment advice here. I have learned that when picking mutual/index funds it is better to pick broad market as opposed to sector specific. That being said, I have been very interested in clean energy and there ...
by not4me
Wed Nov 21, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: GE bonds
Replies: 19
Views: 1789

Re: GE bonds

I inherited a $50,000 GE bond 5 years ago. At the time, it was trading at around $55,000 and paid 5%, or $2,500/year and had a 2023 maturity date. I'd never owned a bond (only bond funds) and held on to it--I thought: wow, this is pretty cool! Today its value is $43,937. In hindsight, I guess I sho...
by not4me
Wed Nov 21, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13089

Re: Can someone explain what's going on [with the stock market]?

There may be a way to see it (trade flow) but I believe you have to pay for the data. The stock exchanges regularly sell this data, but you have to pay to see it. So as to be a bit more exact, this may be getting too exact! I think you are right that you have to pay to see ALL, but to illustrate th...
by not4me
Wed Nov 21, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 713
Views: 162790

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

Anyone have any thoughts as to using the new BAR ETF for their gold position within the Permanent Portfolio? The expense ratio looks cheap. Not as big as GLD and IAU, but cheaper. Is there a reason not to use BAR over GLD or IAU? The reason not to use BAR would likely be due to the liquidity of BAR...
by not4me
Wed Nov 21, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 27
Views: 2689

Re: Inflation

I see rates rising, talk about inflation but where is inflation really going to come from? When you say "rates" are rising, are you talking about the Fed actions? If so, those are short term interest rates -- not to be confused with long term interest rates or inflation rates...or am I missing your...
by not4me
Wed Nov 21, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: Alternative Categories in the Portfolio theory model, REITs, Commods, ETC?
Replies: 7
Views: 738

Re: Alternative Categories in the Portfolio theory model, REITs, Commods, ETC?

I think all of these have some advocates. Commodities is a broader term that you might search for that at times includes gold, oil, etc. Look for threads on Permanent Portfolio and/or Golden Butterfly as well. These can give broader understanding as to why some feel them necessary.
by not4me
Wed Nov 21, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Ownership in family business
Replies: 13
Views: 1496

Re: Ownership in family business

As others recommend, I'd get a trusted adviser that can be taken into confidence & also bring some fresh, objective ideas after knowing more detail. Be sure that all perspectives are considered. You didn't mention some things such as whether you have a spouse that buys in, if this is a major or mino...
by not4me
Wed Nov 14, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help or Advice on Land Purchase
Replies: 8
Views: 784

Re: Help or Advice on Land Purchase

I'd like to see a little more info before suggesting too much. You mentioned being the "only child interested " -- I take that to mean that you have siblings. They may not be interested in the land, but not overly happy with these terms. How this affects your parents overall estate may be important....
by not4me
Wed Nov 14, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 26
Views: 3066

Re: Annuities

I’d look at this in two parts. One part is whether to use an SPIA as part of your retirement strategy. Assuming that is a option you choose, then the second part is when & how. Without getting overly complicated or trying to time the market, you may want to consider taking the IRA option now. I’d be...
by not4me
Mon Nov 12, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question: How to include farm rental income in my model?
Replies: 9
Views: 594

Re: Asset allocation question: How to include farm rental income in my model?

I've always considered the farm to have a low correlation with returns on both stocks and (to a lesser degree) fixed income, and that strikes me as a good thing. So as to be clear upfront, I would recommend advice Radaudit gave upthread. But to clarify why I say that…I see problems with focusing to...
by not4me
Thu Nov 08, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Stock Delisted, what now?
Replies: 10
Views: 1951

Re: Stock Delisted, what now?

Just a caution since the contrarian thesis I put at the end of my post was just an example of how one could spin it. I personally wouldn't stay in it and would try to sell OTC. I don't know anything about the company & will largely echo jminv's thoughts. I just found this to be an interesting situa...
by not4me
Thu Oct 25, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Investing vs. Index Funds
Replies: 19
Views: 1908

Re: Dividend Investing vs. Index Funds

I'll add my voice to the chorus. I'll point out that all ETFs have an associated index, but that doesn't really equate to index investing. I'd start by telling them there really aren't any stock funds returning over 5% today because there isn't a market for funds that have that much risk. (That may ...
by not4me
Thu Oct 25, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: fund "closed to new investors"
Replies: 3
Views: 559

Re: fund "closed to new investors"

There are different "levels" of closing & those rules are really set by the fund company...in this case T Rowe Price. Sometimes they close to new retail customers, but allow new customers through 401ks, institutional shares etc. Some companies that hold the account might let certain customers access...
by not4me
Thu Oct 25, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Is emerging markets investable?
Replies: 51
Views: 2981

Re: Is emerging markets investable?

Is China the extent of your concern? If so, there are ETFs available that exclude China. I think the broad answer to your question is 'yes, it is investable' Is it a good choice to exclude? Not for most people. But, for you, you are the only one who can determine if whatever has led you to exclude t...
by not4me
Thu Oct 25, 2018 7:17 am
Forum: Investing - Theory, News & General
Topic: Effect of Federal Funds Rate on bond yields
Replies: 20
Views: 1501

Re: Effect of Federal Funds Rate on bond yields

I thought that yields on bonds were only caused by changes in prices of a bond (i.e. from the buying and selling of bonds) - not the other way around. Let me try to say this another way. When a bond is initially issued, the coupon payment is set & doesn't change. There is a mathematical relationshi...
by not4me
Thu Oct 25, 2018 6:41 am
Forum: Investing - Theory, News & General
Topic: Stocks, Inflation, and the Strategic Implications
Replies: 25
Views: 2357

Re: Stocks, Inflation, and the Strategic Implications

While very interested in the topic, I doubt whether the 70’s are that relevant to today. Of course stocks suffered then as correct me if I am wrong, but wages generally kept up with inflation didn’t they. This touches on really several parts. 1st, I was hearing OP suggest that commodities were redu...