Search found 9 matches

by firedinky
Thu Feb 28, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: Latest on Yieldstreet
Replies: 17
Views: 2627

Re: Latest on Yieldstreet

It is unrealistic to expect risk free returns of 10%+. But given the collateral underlying most of these investments, the downside risk is lower than stocks. I have a 20% allocation to alternatives including cargo vessel and real estate loans through Yieldstreet and plan to add to those with the nex...
by firedinky
Wed Feb 27, 2019 2:25 pm
Forum: Investing - Theory, News & General
Topic: Peer to Peer (P2P) Lending - What are the realistic returns?
Replies: 30
Views: 3441

Re: Peer to Peer (P2P) Lending - What are the realistic returns?

I started investing in Lending Club in 2012. Mostly purchased C through F Notes and was very happy with the steady 10% + returns. However taxes were a nightmare the first year so I switched to investing through an SDIRA. Returns in the first couple years were about as expected - far better than bond...
by firedinky
Sat Oct 06, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14337

Re: What is your annual cost for health insurance?

Retired 61 yo with 58 yo wife. $212/month for subsidized platinum plated silver ACA plan. $950 deductable, $1900 max OOP, and 15% coinsurance. Thank you Cyclesafe. I could have elected unsubsidized (+2%) group health insurance from my previous employer when retiring but the cost was over $17k/year 5...
by firedinky
Sat Sep 15, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: ACA - Silver plan cost sharing worth it?
Replies: 29
Views: 2581

Re: ACA - Silver plan cost sharing worth it?

Thanks jailbert. That's an important consideration that I forgot about. I may be going bronze next year for the first time since retiring. Need to figure out what KY is doing regarding loss of cost sharing.funding.
by firedinky
Sat Sep 15, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: ACA - Silver plan cost sharing worth it?
Replies: 29
Views: 2581

Re: ACA - Silver plan cost sharing worth it?

It probably does not make sense to do Roth conversions since the effective marginal tax rate is about 25% due to loss of ACA subsidies. See: https://thefinancebuff.com/tax-calculator-aca-obamacare-subsidy.html And if you anticipate any significant medical expenses, there are big benefits to the cost...
by firedinky
Wed Aug 29, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 10050

Re: Landlord Nightmare

Kentucky recently passed a law invalidating internet emotional support animal certificates. Now you must show proof from a local therapist. What a relief. The number of emotional support pit bulls is amazing. is very difficult to find rental housing that accepts pit bulls so this has been the defaul...
by firedinky
Sun Apr 08, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 240
Views: 23734

Re: Swedroe: Look Beyond 60/40 Portfolio

Why no mention of other lending funds that are available without an advisor to accredited investors? I would guess that many members of this forum qualify for Accreditation. Funds such as Broadmark and PPR have a good track record and 11% yield. Alphaflow is newer but over 8% return. All these alter...
by firedinky
Tue Aug 08, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Computer hacked - What to do?
Replies: 16
Views: 2544

Re: Computer hacked - What to do?

One more tip for handling these calls. Don't bait the scumbag unless you don't mind disconnecting your phone. They can be very vindictive so I learned. Best to just hang up.
by firedinky
Sun Aug 06, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 13318

Re: Has the "bond bubble" caused you to change your allocation?

My asset allocation is strongly influenced by the current low interest rate high CAPE environment- 15% Alternatives (Lending Club and AlphaFlow real estate debt) returning 8%+ 25% Guaranteed income fund in 401k at about 2% return 15% Bond funds (mix of SCHZ, SCHP, and BND) 45% Stocks (50/50 US and I...