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drcarl

drcarl
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  • Should You Invest In International Hedged Equity ETFs? [View article]
    Yes, I echo DAG: Thanks for the information. These are markets we need to participate in, but dollar value changes make that challenging.
    May 22, 2015. 08:57 AM | Likes Like |Link to Comment
  • General Electric's Future Dividend Growth [View article]
    I am pulled in different directions by GE. Your analysis is solid, and the "frozen" dividend will probably be followed by sub-double-digit growth. But richjoy makes a solid case for holding in pursuit of total returns. So I do what I have typically done, split the difference. I sold about half my holdings! This brings GE down to one of my lower-third allocations. It used to be a top holding.
    May 22, 2015. 08:49 AM | 1 Like Like |Link to Comment
  • WSJ Economists' May Forecasts For 10-Year Yields And The Fed Funds Rate [View article]
    Thanks Doug. Really great data. I am on the very low side of the 10 year forecast (1.8 in 2017) because I see (1) slow economic growth that (2) keeps core inflation low.

    I think the Fed will experiment with a policy rate rise and the market will teach the Fed that low inflation is more important than policy moves in setting rates, especially longer rates.

    Just my view.
    May 20, 2015. 08:58 AM | Likes Like |Link to Comment
  • 3 Tips To Those Retiring Over The Next Year [View article]
    I know the feeling. I expected dinner for what I suffered!
    May 18, 2015. 02:32 PM | Likes Like |Link to Comment
  • 3 Tips To Those Retiring Over The Next Year [View article]
    Oh crap, I was unlucky I guess. Well, as others have noted, I only lasted one painful year!
    May 18, 2015. 02:31 PM | Likes Like |Link to Comment
  • 3 Tips To Those Retiring Over The Next Year [View article]
    Sorry, I am at my knowledge limit in describing the surcharge.
    May 18, 2015. 02:30 PM | Likes Like |Link to Comment
  • 3 Tips To Those Retiring Over The Next Year [View article]
    The surcharge about which I wrote is an actual increase in Medicare payments. The "additional tax on income" which you mention is an additional income tax item on "unearned" investment income of certain kinds. (I think I have this second thing right, someone correct me if I am wrong.)
    May 18, 2015. 02:29 PM | Likes Like |Link to Comment
  • Ready To Break Into The Market? Get Immediate Exposure With These Closed-Ended Funds [View article]
    The comments by Jon Peter are spot on. A new investor should be wary of CEFs. Their leverage gives them volatility that can be much greater than other investments, even individual equities.
    May 18, 2015. 09:06 AM | 1 Like Like |Link to Comment
  • 3 Tips To Those Retiring Over The Next Year [View article]
    One other Medicare detail that some readers may need: Medicare has a surcharge on high incomes. It starts for couples with adjusted gross incomes (AGI) above $170,000. To determine this Medicare looks at the most recent tax form you have filed, which for most people, is two years prior to your 65th birthday (2013 if you turn 65 in 2015).

    To the AGI, Medicare adds back tax-free interest earnings. AND IT INCLUDES WITHDRAWALS FROM IRAS AND OTHER TAX ADVANTAGED PLANS.

    The surcharge is a sliding scale starting at $170,000 on this modified AGI. It is an expensive surprise if you make a large taxable withdrawal from an IRA for some big purchase. We bought a house two years prior to my 65th birthday and ouch! For a year we paid the surcharge. I now manage our withdrawals to stay under than limit. I suggest you start that management process two years prior to 65.
    May 17, 2015. 08:45 AM | 12 Likes Like |Link to Comment
  • Realty Income Corp.: Collecting Monthly Dividends [View article]
    I don't like piling on, but you made another error. Realty Income closed on January 2, 2015 at $48.62. It is most definitely NOT down $10.00 since the start of the year as you state in your opening.
    May 16, 2015. 08:37 AM | 4 Likes Like |Link to Comment
  • Chevron Vs. Exxon Mobil: Setting The Dividend Growth Record Straight [View article]
    Eric, this is a terrific article. I give a special shout out to the data - it is clear and extremely well presented. Thank you.

    I find it interesting that Exxon could freeze for 10 quarters, but show steady annual increases. Makes me reconsider the CCC list.
    May 13, 2015. 08:03 AM | 3 Likes Like |Link to Comment
  • General Electric: Making Hay While The Sun Shines [View article]
    Doc47 is right on the money, to use apt cliche. I cannot accept a dividend freeze; I will gradually sell all holdings as opportunities for alternative investments can be uncovered.
    Apr 28, 2015. 08:50 AM | 2 Likes Like |Link to Comment
  • Chevron A Buy Ahead Of Earnings On Friday [View article]
    I am using 2 cents/quarter in my financial planning and valuation. I am a pessimist on this, I know. I have reduced my holdings, from 7% to 3% of my portfolio.

    I like the company, don't get me wrong, but valuation of energy investments must follow the prices of their raw materials and their ability to price products. With OPEC so aggressively seeking market share, I think only the strong will survive. CVS will be a survivor, but I think we will see a long, hard road ahead.
    Apr 28, 2015. 08:46 AM | 1 Like Like |Link to Comment
  • Rich Kinder: 'The Kinder Morgan Game Plan Is Still On Track' [View article]
    Thank you, UP, for the update. The first sentence of your last paragraph should be memorized by all MLP investors. I am one, but I am fully prepared for the tax bomb. I get payments tax free today, but I will pay taxes on them later (it is held outside a Roth). I accept that, but only because I am aware of the (big) tax implications.

    It is kind like the old "riding a tiger" story. The experience is fun, but getting off is hard.
    Apr 19, 2015. 08:36 AM | 1 Like Like |Link to Comment
  • Rich Kinder: 'The Kinder Morgan Game Plan Is Still On Track' [View article]
    Hi Harry!

    I hope you are right about the $2-plus guesstimate!
    Apr 19, 2015. 08:26 AM | 1 Like Like |Link to Comment
COMMENTS STATS
319 Comments
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