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Urbannek

Urbannek
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  • Retired Income Investors - What You Need To Know About Dividend Cuts [View article]
    I also have rules as to what I invest in and I don't invest in banks, savings and loans or insurance companies post the great recession of 2008. Realestate or anything realestate related was also on my do not invest list but since the meltdown in MREITS I started to invest in them as the valuations were complelling. The MREITS seem to be working out well although I do limit my exposure to them as I think they are a fairly high risk investment. They sure do help my dividend yield and one appreciated so much in 6 months that I sold it for a nice profit all while collecting a high dividend in the months I owned it. Right now the MREITS seem to be working out and I am very careful in what I buy. I also have learned to avoid foreign stocks due to risk factors with many foreign countries related to their politics. America equities are the safest in my experience and their certainly are plenty to chose from so why take the risk on a foreign government that may not look at property rights like we do in the US especially for foreign investors.
    Apr 19 12:53 PM | Likes Like |Link to Comment
  • Unplanned Early Retirement, Part 1 - Strategy, Stability, And Moving Forward [View article]
    Get an HSA with a high deductible. If you are healthy and do not use all the money in the HSA account when you turn 65 it can even be used like an IRA and invested. I had mine with HSA bank and they work with TD Trade so you can invest most of your HSA account dollars there just like an IRA. Your contirbution is totally tax deductible. It is a great deal. I have a lot of what was in my HSA account now at TD Trade set up with limit orders to buy stocks.
    Apr 19 05:37 AM | 1 Like Like |Link to Comment
  • Annaly Has Bottomed: Multiple Reasons To Run For The Hills [View article]
    AI is not a REIT. It is a C Corp which pays qualified dividends which is great in a taxable account.
    Apr 18 03:03 PM | Likes Like |Link to Comment
  • Annaly Has Bottomed: Multiple Reasons To Run For The Hills [View article]
    Annuity?????
    Apr 18 02:54 PM | Likes Like |Link to Comment
  • Annaly Has Bottomed: Multiple Reasons To Run For The Hills [View article]
    Excellent comment. You seem to understand big picture how MREITS work.

    By the way based on credit card offers I am getting I think interest rates will not go up until early summer 2015. At least that is what the credit card companies are betting and they have a lot of skin in the game so would have a big need to be accurate.
    Apr 18 02:26 PM | Likes Like |Link to Comment
  • Annaly Has Bottomed: Multiple Reasons To Run For The Hills [View article]
    Agreed. Already did that with one of mine bought last summer. Went up 20 percent in about 4 months. I sold it and bought something safer.
    Apr 18 02:23 PM | Likes Like |Link to Comment
  • Annaly Has Bottomed: Multiple Reasons To Run For The Hills [View article]
    Agreed and if one goes to his site he seems to mostly cover EREITS which is very different from MREITS. Annaly is an MREIT and an agency one at that.

    I don't own Annaly but own other MREITS. Bought when they became cheap. Been an OK investment so far. I have a rule MREITS must pay at least 12 percent. I need to be paid to take the MREIT risk. Annaly currently does not do that.
    I can make 10 percent or more with a good BDC and I can easily figure out their business model most of the time. MREITS not so much.
    Apr 18 02:21 PM | Likes Like |Link to Comment
  • Annaly Has Bottomed: Multiple Reasons To Run For The Hills [View article]
    I think that term BLUF is used by people who have been in the military. Only person I have ever heard use it is a retired military officer.
    Apr 18 02:13 PM | Likes Like |Link to Comment
  • Unplanned Early Retirement, Part 1 - Strategy, Stability, And Moving Forward [View article]
    You are definitely right that "retirement is a career". I am currently "in training" for that career. My real work is actually much more fun in my opinion.
    Apr 18 02:26 AM | 1 Like Like |Link to Comment
  • Unplanned Early Retirement, Part 1 - Strategy, Stability, And Moving Forward [View article]
    I am also long PSEC. It is the biggest position in my retirement accounts.
    Apr 18 02:20 AM | 1 Like Like |Link to Comment
  • 10 Monthly Pay April Dogs Hound 10% To 40% Upsides [View article]
    Yes but in what kind of account? A retirement account or just plain brokeridge account? Most REITS and BDCs dividends are taxed as ordinary income while MLPs have some tax advantages for their dividends. So generally it is best to keep BDCs and REITs in retirement accounts where they can grow tax free until you take out the money Talk to your accountant to find out the details of this.
    Apr 16 05:54 PM | Likes Like |Link to Comment
  • Are You Chasing Yield In Retirement? [View article]
    T has been doing well lately. Read somewhere that they are doing a big stock buyback which might explain their stock going up.
    Apr 15 08:17 PM | Likes Like |Link to Comment
  • 10 Monthly Pay April Dogs Hound 10% To 40% Upsides [View article]
    Look at MAIN VNR, PSEC, FSC, SCM, OAKS
    Do your own due diligence. I own all thses stocks except MAIN which I sold at a nice profit in 2012.

    MAIN is a very high quality BDC with low risk.
    VNR is an MLP

    IS this for a taxable account or a retirement account?
    What percent of dividend do you want out of it?
    Apr 15 06:09 PM | Likes Like |Link to Comment
  • 10 Monthly Pay April Dogs Hound 10% To 40% Upsides [View article]
    "Some of these with dividends & price increase I have made 40% on"

    I have done this too on some of them. FDUS and HTGC come to mind as they are the ones that I did this on most recently. Actually made 40 percent just on the stock appreciation all the while collecting about 8 percent in dividends. Seems like a great deal to me.
    Apr 14 10:09 AM | Likes Like |Link to Comment
  • 10 Monthly Pay April Dogs Hound 10% To 40% Upsides [View article]
    Totally Agree. I currently get about 10 percent out of my portfolio in dividends. Was 8 percent last year but I am getting better at this investing stuff and the MREITS got to be compellingly cheap so now getting more yield.
    I invest in a lot of the stocks Frederik writes about more so the small caps.

    Most importantly at a time like now when the market is going down I know I will get the same amount of money this month no matter what the market is doing price-wise. I don't drip so will get cash which I can invest in more great hihg dividend stocks at great prices.
    Apr 13 11:34 AM | Likes Like |Link to Comment
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