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437019

437019
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  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    I too have struggled with this concept in the past. I've poked and prodded it trying to disrupt the logic. We all have - perhaps I should say - I have - a second guess or wander lust mentality: Gee, I see this portfolio that I have - it's serving me well but can't I do better? So I start looking around - what about this? That? Hmmm....

    Ultimately, I come back to this reasoning - if I have a YOC of, say, 4.5% on a given stock in my portfolio but the current yield is 2.8% am I going to move my investment out of the 4.5% YOC investment to something currently yielding 3.2% because it beats the 2.8% current yield? THAT is when YOC - for me at least - slaps me upside the head and says - HEY! STAY PUT! WHAT ARE YOU DOING? This obviously is one factor in the investment decision but it IS an important one - IMO.
    Sep 4, 2014. 09:55 AM | 8 Likes Like |Link to Comment
  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    rashbaugh - could not disagree more. I have a 4.5% YOC investment with a 2.8% current yield and I'm going to cash out and invest in something with a 3.2% yield? That's a better investment? All other factors being equal? Seriously? That's the best use of my current funds? We can each provide an example of how the math works in our favor but be real. YOC is not a "deceptive and dangerous metric" when taken in context with other metrics and weighed against objectives. Scheesh!
    Sep 4, 2014. 12:47 PM | 6 Likes Like |Link to Comment
  • 3 Reasons Why Darden Is A Better Buy Than McDonald's [View article]
    2 comments and the word/phrase (you haven't been consistent) "Obamacare" mentioned 3X. Political commentary or looking for investment information?
    Mar 7, 2013. 03:03 PM | 3 Likes Like |Link to Comment
  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    Gbear65 - "What if I sell, take over three years worth of future dividend yields NOW and reinvest the total in, say, T. Am I better off?" You are better off if, by the result of your actions, your objectives are better served. Are you after higher income NOW? If so, then yes. Are are pursuing higher income (and growing) five years from now? Maybe not - maybe you were better off staying put. Did you want/need to diversify to improve your safety zone as well as your current income? Maybe. You actually say this more succinctly in your last sentence. Point is - YOC is an important factor to consider but not the only one. I doubt the author meant anything different - especially when his other articles are considered as a backdrop.
    Sep 4, 2014. 12:32 PM | 2 Likes Like |Link to Comment
  • Unplanned Early Retirement, Part 3 - REITs In My IRA [View article]
    John, Steve Rasher (commenter above) mentions articles from Brad Thomas (contributer here on Seeking Alpha). You might want to visit his (Brad's) writings. He writes almost exclusively on REITs and, I'm sure, you'll find a wealth of information on some of his articles re structure, operations, financials, pressure points, things to watch for, etc. Plug his name in the "Search by" box at the top. Best of luck.
    Apr 30, 2014. 02:07 PM | 2 Likes Like |Link to Comment
  • 3 Reasons Why Darden Is A Better Buy Than McDonald's [View article]
    Agreed that changes in the marketplace (for whatever reason) require adjustment by business. As other commenters have stated, it's how those in the affected industry react to the changes. I was reacting to the comments that "Obamacare" was mentioned three times in two relatively brief comments and the associated "massive layoffs" and "reduction in hours" (could reduce hours and hire more people for example - again, it's how they react) appeared to me to be a bit over the top. Sounded more like political commentary rather than investment focused analytics - to me.
    Mar 8, 2013. 10:54 AM | 2 Likes Like |Link to Comment
  • Can You Retire With A $1,000,000 Portfolio? An Urgent Follow Up [View article]
    Your dead-on comment is just one reason we would all be better off with more women in Congress. Thank you.
    Jan 6, 2013. 09:49 PM | 2 Likes Like |Link to Comment
  • Waste Management: Dividend Safety Is Declining [View article]
    I believe Mr. Taylor meant that HE is a WM stockholder. Ease up.
    Jul 23, 2012. 11:45 AM | 2 Likes Like |Link to Comment
  • What's Your Story? Dividend Growth Investing's Business Model [View article]
    I believe "Planning" came up with the 10% yield from Mr Van Knapp's comment re 10% yield on cost in 10 years.
    Feb 21, 2015. 12:06 PM | 1 Like Like |Link to Comment
  • Will Portfolio Returns Support Minimum Required Distributions? [View article]
    Mr Schwartz, Agree with the prudent approach. Mr. Bionic1 makes some goods points but, along the way, there is a sweet spot where conversions that don't bump you to the next tax bracket are the best path. Taken early enough, they allow you to build positions in a Roth where you'd reap the benefit of compounding and satisfy your income needs and other wishes (e.g. legacy). Sure, you pay Uncle Sam early and lose that compounding but put yourself in a position to start building similar positions in a Roth where the income is guarded from any taxes - now or later....all things considered. After all, the article assumes even, reasonable returns. We know that won't happen but we can make reasonable decisions annually based on where the market is and where we think it's going - hey, it's the best we can do. No guarantees here. Ha!

    Also enjoy your articles and comments.
    Nov 20, 2014. 10:47 AM | 1 Like Like |Link to Comment
  • Seagate: 3 Different Insiders Have Sold Shares This Month [View article]
    Tuition
    May 20, 2014. 03:42 PM | 1 Like Like |Link to Comment
  • Starting A Retirement Portfolio For 2014? Start With These 'Surprise' Stocks [View article]
    Hello Bob,

    I am participating in my company's 401k plan since I started here and was somewhat frustrated with the ok but limited investment offerings. However, I discovered that I could transfer the balance, once per year, to a rollover account (in my case, Fidelity).

    My point is that you are indeed correct Bob that "most wage earners will be restricted by the offerings of their 401ks". However, we should check our plans to see if there are options. Care should obviously be exercised to not take the balance as a distribution that would subject the investor to taxes on the withdrawal rather than a rollover to another tax deferred vehicle.

    Thanks to all for so much great information shared through this site.
    Jan 7, 2014. 08:59 AM | 1 Like Like |Link to Comment
  • Team Alpha And The Foundations For Financial Freedom [View article]
    Regarded, Thanks for the articles and please keep them coming. SA is an awesome site due to the contributers and, to a large extent, the comments. I'm really not trying to stir the pot here but, being a large supporter of Obamacare, I wonder why would you consider it an entitlement? If I made one phone call in support of it while it was being debated in Congress I made a thousand. One of my kids just graduated from college (summa cum laude in a science), has RA, and, if it wasn't for Obamacare, would never be able to afford health insurance as it existed before. She has a per diem job paying a nice wage but her meds alone are over $4k per month. I didn't want or expect her to get anything for nothing - I wanted her to be in a position to be able to be in a position to purchase her own at a reasonable price (if that's what you mean by "entitlement" then so be it). Aside from the Medicaid expansion portion of Obamacare I'm at a loss as to why it would be considered an entitlement; and if someone wants to reduce their lives intentionally or not pull themselves up out of qualifying for Medicaid then I'm also at a loss - sure they exist but let's not get carried away on that as a distraction to my question. Again, what makes Obamacare an entitlement? I don't get it. I ask this to try to learn your perspective. You are one of the contributors that I follow so I respect your opinion and I'm not trying to be a jerk.
    Mar 25, 2013. 11:43 AM | 1 Like Like |Link to Comment
  • 2012 Oil Reserve Replacement Ratios: And The Winner Is... [View article]
    Suggest you take the politics to the appropriate venue.
    Feb 22, 2013. 11:32 PM | 1 Like Like |Link to Comment
  • A Retirement Reality: Save More, Spend Less And Invest In Dividend Stocks [View article]
    But, by all means, please verify my claim - but that's my understanding.
    Sep 24, 2012. 11:23 AM | 1 Like Like |Link to Comment
COMMENTS STATS
35 Comments
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