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  • Kinder Morgan Energy Partners: I Will Not Stop Buying [View article]
    Long KMP, KMI, KMR, KO... all in an IRA - collecting some dividends in cash, reinvesting some dividends (compounding & double compounding) increasing Yield on Cost - I don't fret over K-1's...
    Apr 10 03:56 PM | 1 Like Like |Link to Comment
  • Blue Chip Stocks Yielding Over 4% Today [View article]
    "There is no Canadian withholding of taxes on regular IRAs or Roth IRAs..."

    "The account you hold the securities in should be properly registered as a Roth IRA."

    "I have had no issues at all with my Canadian dividends paid to my IRA at Vanguard."


    Can you clarify, from your perspective, whether or not these holdings must be in a "Roth IRA" or are Traditional and Roth IRAs both exempt from the tax withholding?

    Thank you very much.
    Dec 11 01:19 PM | Likes Like |Link to Comment
  • When Bonds Are Better Than Dividend Stocks (And Vice Versa) [View article]
    For 5 to 7 years of income + the Sleep Well At Night (SWAN) consideration, a bond ladder seems very appropriate vs. say a Money Market in an IRA. This could also help one worry less about market ups and downs even if you're focus is on dividends / dividend growth for income.

    It's hard not to peak at your portfolios NAV. and it's hard not to experience fear in some circumstances, especially if you forget to turn the TV off. :)

    Great article BTW.
    Nov 19 03:33 PM | 2 Likes Like |Link to Comment
  • Can Plains All American Pipeline Be The New Kinder Morgan Energy Partners? [View article]
    Long KMP, KMR, KMI, EPD, OKS.

    Is there an KMR equivalent for PAA?

    Also, IFTreasury Yields rise, would that somehow have a negative effect MLPs, REITS, Utilities?
    Oct 19 02:24 PM | 1 Like Like |Link to Comment
  • Retirees: Should You Consider A Dividend Growth Income Index? [View article]
    Thank you Be Here Now - This caught my eye -

    BSCH - ..."designed to represent the performance of a held-to-maturity portfolio of U.S. dollar-denominated investment-grade corporate bonds"...

    BSJG - ..."designed to represent the performance of a held-to-maturity portfolio "...

    When I had a larger portion of my portfolio in bonds, I built Bond Ladders using BBB+ to AAA rated Corporate Bonds and always held-to-maturity. I have considered building new ladders, even with the lower coupon payments, but am a bit frustrated with Fed intervention and the distortion effects on coupon rates.

    I remember reading about Guggenheim BulletShares (BSCH) and thought it sounded like a good place for cash - much better than Money Market. I appreciate the memory jog on that one.

    IBDB also looks good.

    Do you have a favorite or do you put equal amounts in each ...? Just curious.

    Appreciate the ideas.
    Oct 17 03:33 PM | Likes Like |Link to Comment
  • Retirees: Should You Consider A Dividend Growth Income Index? [View article]
    PendragonY -

    7 years is excessive compared to the norm, i.e. based on what I've read in the past..

    I factored in SS income & a couple of small pensions (thought it, but didn't write it above). This reduces the dollars that I need to withdraw from my IRA.

    I wrote above - "I keep 7 years of expenses in cash.".

    I should have said I keep 7 years of IRA withdrawals in cash.

    I use SS, 2 small pensions + what I need to withdraw in addition, from my IRA to cover expenses.

    This is still probably too much cash to keep on hand, but I'll tell you, I sleep really well + I don't worry so much about moving out of bonds and into investments that carry more risk.

    If the sky falls and bargains abound, I have a choice of whether to buy (thinking 2008 / 2009) or continue to hold the cash. In the past I was always close to 100% invested and never had any dry powder to take advantage of those most opportune times. That made me nervous.

    I hear and appreciate the message about losing money to inflation by keeping money in cash. I have been thinking about a good safe, liquid place to put this money, that can at least keep up with inflation. I haven't figured that out yet, so I'm open to suggestions.

    Oct 16 08:07 PM | Likes Like |Link to Comment
  • Retirees: Should You Consider A Dividend Growth Income Index? [View article]
    I keep 7 years of expenses in cash. I maintain that cash amount with coupon payments from the few remaining individual corporate bonds that I own + when these bonds mature, from the cash that is returned to me from my initial bond purchases.

    I have modified my portfolio to include a significant shift to Dividend Paying / Dividend Growing Stocks. When the bonds have all reached maturity, I will likely stop reinvesting dividends to the degree that I need to maintain my 7 years of expenses in cash.

    In the mean time, I have watched my Dividend Yields grow to a point that they will more than cover my current & hopefully future needs.

    I pay some attention to NAV & a bit more to TR, but my primary focus is on building & increasing cash payments from Dividend Yield & Dividend Growth.

    Note: I haven't ruled out buying bonds at some point in the future, provided they return to some degree of normalcy. I actually haven't ruled anything out & will do whatever it takes to stay afloat. It's my job.
    Oct 15 03:22 PM | 1 Like Like |Link to Comment
  • Retirees: Should You Consider A Dividend Growth Income Index? [View article]
    "Folks that are retired need two things:
    1) current income (from current yield) high enough to meet their expenses; and
    2) dividend growth high enough to counteract the erosion of purchasing power caused by inflation. "

    Simple & profound!

    That's it, in a nutshell.
    Oct 15 01:37 PM | 2 Likes Like |Link to Comment
  • 10 By 15: What Happens With Low-Yield High-DGR Stocks [View article]
    Using Unclephool / Chowder reference from above & assuming you are choosing CCC type companies-

    6%IY and 6%DGR -- 8 years
    5%IY and 7%DGR -- 10 years
    4%IY and 8%DGR -- 12 years
    3%IY and 9%DGR -- 14 years
    2%IY and 10%DGR -- 17 years

    Looks like the "Sweet Spot" might be 2.5% minimum IY up to around 5% IY + a corresponding DGR to reach the minimum number 12 or 8 (Chowder Rule) + dividend reinvestment, if you can.

    Oct 2 06:48 PM | Likes Like |Link to Comment
  • Do Retirees Need A Dividend ETF Or A Portfolio Of Individual Stocks? - Part 4 [View article]
    Thank you very much Chowder.

    This information will be very useful when I review / re-balance my holdings & look for opportunities to add, take away, place in the penalty box, replace - generally improve my portfolio.

    Take care.
    Sep 27 06:57 PM | 1 Like Like |Link to Comment
  • Do Retirees Need A Dividend ETF Or A Portfolio Of Individual Stocks? - Part 4 [View article]
    Top Notch article & comments.

    Without CCC, Chowder Rule & Morningstar ****'s I would have a much tougher time managing my investments.

    For those of you who use the Chowder Rule - I'm curious if anyone reduces or replaces holdings if/when a stock falls below 12 or 8 respectively?
    Sep 26 03:16 PM | Likes Like |Link to Comment
  • Beating Back Fear For Income Investors [View article]
    Dividend Dashboard is exactly right.

    I started dividend investing in 2008. Vanguard has an option named "Personal Performance" --> View month-by-month data as a table. One of the columns in this table is "Income return". After a couple of years of a slow conversion (maybe not so slow) to dividend investing, I started to see what was before hidden in the fog (not enough time / data to give a reading). A "dividend dashboard" of sorts. Now that I can see monthly data for the past 5.5 years it's my new addiction vs. "Total Assets".

    Here's how that (income from investments) column looks today -

    2008 - $19,105
    2009 - $34,874
    2010 - $44,962
    2011 - $49,478
    2012 - $55,536

    Anyway, I found Seeking Alpha back then, started following you and a few of the "well knowns" on this site and never looked back - except to see how my income continues to grow each year.

    Thanks for another fine article Dave.
    Jul 2 10:25 PM | 3 Likes Like |Link to Comment
  • The Case Against Buying Low And Selling High [View article]
    Really enjoyed this article Tim.

    I always look forward to reading your articles as they reinforce & clarify aspects of my personal investing strategy.

    Comments are easy enough to filter for added value and perspective e.g. Be Here Now's comment above.

    I often (not always) speed read through commenter names and only read comments from those I have read in the past and have a true interest in what they have to say. This saves time and filters out some of the "noise".

    Looking forward to your next article.

    Long: CVX, GIS, JNJ, MO, PEP, PG
    Jun 14 12:37 PM | 1 Like Like |Link to Comment
  • The Peter Lynch Approach To Dividend Cuts [View article]
    I have my portfolio in seeking alpha & check "Get daily portfolio summary". I scan the headlines for my primary portfolio and my watch list for anything related to dividends.

    Might not be the best way to get timely news about dividend activity, but it seems good enough for me.

    I would be interested in methods other people use.

    After reading further down in comments... DVK notes David Fish CCC list notes in RED - dividend freezes. I have a monthly reminder in place to check the CCC document as well.

    That should pretty much cover it, eh?
    May 28 12:55 PM | 3 Likes Like |Link to Comment
  • Best Bond Investment Strategy: 'Just Say No!' [View article]
    VWELX has an expense ratio of 0.25% vs. IHGIX at 1.08% + 5.5% load for IHGIX.

    VWELX is 33% in bonds with average maturity 8.9, average duration 6.01 - doesn't seem too risky IMO. Other opinions would be appreciated.

    I guess I would be more inclined to cherry pick and add to my "Dotcom Mutual Fund" some of the top holdings from either of these funds and add them to my watch list to buy on the "great pullback". Expenses on my fund are 0% ($2 for buy transaction at Vanguard) and dividend yield is higher than either of these funds.

    Long: VWELX
    May 27 01:22 PM | Likes Like |Link to Comment