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MartyFL

MartyFL
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  • Why I Sold Apple And Bought Yahoo [View article]
    civ-e,
    I agree with you. "My Yahoo" had been rendered so utetterly useless to be worthless. Same thing for their new mail, calendar and groups.

    It seems that the author is judging Yahoo by fancy talk from a new CEO rather than evaluating the destruction of Yahoo's core products. Traffic comes from users. Meyer seems to want to revamp Yahoo to be like Google.Many of those customers are now going elsewhere including myself. If users wanted Google functionality they would have switched. This reminds me of when Home Depot made the mistake of hiring Nardelli who went about destroying the customer experience but getting Wall Streets praise cause they only looked at the bottom line. The bottom line suffers longer term when you abandon your customers as Yahoo/Meyer are doing.
    Feb 3 02:25 PM | 5 Likes Like |Link to Comment
  • Are You Really Ready To Retire? [View article]
    RS, I own that fund as well. Just beware it is not a safe fund in the traditional sense. Certainly not a safe substitute for bank deposits, money markets etc. It is invested in bonds of low quality firms that are often backed by assets making them somewhat more secure than other junk bonds. Funds/bonds like that have been bid up over the past few years as many have been searching for yield wherever they can find it. As result, many companies have refinanced and issued these bonds with covenants and terms far more favorable to the issuer than the buyer. In a severe market downturn, this fund would probably decline in value more than you earn in a year.

    Just something to make sure you and others are aware of that.
    Jan 27 10:03 AM | 3 Likes Like |Link to Comment
  • ETFs Concentrating Risk In Time For The Next Crisis [View article]
    Thanks Huey!
    Jan 18 04:10 PM | 1 Like Like |Link to Comment
  • ETFs Concentrating Risk In Time For The Next Crisis [View article]
    Huey, Thank you for the link to the ETF article on Investopedia. It was an excellent refresher.

    Would you mind elaborating on how Vanguard ETFs differ, especially on differences of tax and capital gains issues.

    Thank you.
    Jan 18 01:18 PM | Likes Like |Link to Comment
  • Can You Retire On Less Than $1 Million? [View article]
    That would be as good as hitting Lotto! I could live on the income that would generate for my lifetime.
    Jan 17 11:13 AM | Likes Like |Link to Comment
  • Why Banks Aren't Lending To Homebuyers [View article]
    Banks don't have to keep fixed rate mortgages. They can either sell them to Freddie or Fannie or they can even mitigate the interest rate exposure with interest rate swaps.
    Jan 16 10:28 AM | Likes Like |Link to Comment
  • Dave Van Knapp Positions For 2014: The Best Dividend Growth Stocks Will Pay Out More This Year [View article]
    Dave, Very nice interview.

    I agree with you that many companies do waste some earnings. Big egos and money burning a hole in their pocket along with loads of executive suite MBAs who think they are just so smart find ways of pissing away our (us owners) hard earned cash on stupid acquisitions that frequently never meet the stated cost savings or stock buybacks at peak prices. Management that is focused on sharing the earning with the owners are the ones I prefer.
    Jan 10 12:32 PM | 1 Like Like |Link to Comment
  • UBS ETRACS Launches AMU As AMJ Replacement [View article]
    Bob, I own two with different brokers.
    Scottrade reports AMJ as interest.
    Fidelity reports MLPI as dividends.

    It may not matter much if one has them in a lower tax bracket or in a tax deferred account.
    Dec 18 12:52 PM | Likes Like |Link to Comment
  • DEE-Fense, DEE-Fense, DEE-Fense [View article]
    Many of those floaters are tied to Libor which will not be moving up much if at all for quite some time. Not all rates will move up the same even if the Fed slowly reduces it's purchasing program. And then rising rates could slow the economy causing rates to fall after a short time. We have a long time to go before we have a robust economy dictating significantly higher rates.
    Dec 18 12:48 PM | Likes Like |Link to Comment
  • The Role Of Preferred Equity In A DGI World [View article]
    Very nice post that did a nice job of laying out the risks.

    There are some Fixed/Floating preferrered that pay 6 - 7% for 5 or 10 years and then pay floating + 400 - 500 bps over Libor after that. I swapped into some of them to reduce my duration from the fixed (likely perpetual) ones. Assuming rates move upward including short rates in the next 5 - 10 years I figure these may wind up paying more down the road. PNC, USB, MS & C are some of the issuers.

    What are your thoughts on them?
    Dec 6 11:26 AM | 1 Like Like |Link to Comment
  • Retirees: What Is The Best Choice For A Small Income Portfolio? [View article]
    Maybe,
    I do believe it is up to the brokerage firm if they will allow the security transfer. My parents were at a full service broker (I know) and the broker at least saved them money on this type of transaction and made sure we knew that he was saving them a commission.
    Nov 16 01:02 PM | 1 Like Like |Link to Comment
  • Retirees: What Is The Best Choice For A Small Income Portfolio? [View article]
    My parents used to transfer securities from their IRAs into regular account to satisfy their RMD. Never, ever had a tax issue. There is no regulation preventing one from doing just that.
    Nov 16 12:02 PM | 1 Like Like |Link to Comment
  • The Upside Is Better Than The Downside: An Analysis Of Vanguard's VYM [View article]
    They've gotten too big to care. Our way or the highway.
    Oct 26 12:14 PM | 1 Like Like |Link to Comment
  • For Maximum Total Return, Go For Growth [View article]
    That's a great question!!! It's easy to get carried away and hold on too long with a great growth stock once the big growth is over. Often the stock price has gotten way ahead because it was pricing in continued mega growth going forward and may flat line for a long time once that growth settles down or worse. Microsoft, Home Depot, Lotus are a couple of examples of ones that slowed or died after massive growth.
    Oct 26 11:28 AM | Likes Like |Link to Comment
  • For Maximum Total Return, Go For Growth [View article]
    Just about every site on the internet does that, some more than others.

    For those interested, you can help protect yourselves by installing and using Firefox as your browser. It has many more add-ins to use to try to protect yourseft than Internet Explorer.

    Once you do so, here are a few free add-ins to consider (I use most of them). You can always remove them if you don't like them. You will be incredibly surprised to see how much tracking is going on. Both Albine & Ghostery prevent Twitter, Facebook, Linkedin and Google+ from tracking the sites visit. It's amazing how much they snoop.

    Ghostery
    Abline TACO
    Add Block Plus (for a while SA was preventing the use of the site if it was operating on the site)
    NoScript
    RefControl
    BetterPrivacy

    You can selectively control which sites most of those will operate on and/or individually control which ad/tracking programs you allow.

    On some sites including online banking, a "tracker" or two may be needed to enable functionality. You'll have to spending some time tweaking it if you find the site is not operating as expected. You will be pleasantly surprised at the results.
    Oct 26 11:14 AM | 3 Likes Like |Link to Comment
COMMENTS STATS
369 Comments
301 Likes