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NV_GARY

NV_GARY
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  • The Roth Advantage No One Talks About [View article]
    TF17-
    James Lange uses the same valuation in his books- perhaps you are familiar with him.
    G
    Feb 27, 2015. 01:50 AM | Likes Like |Link to Comment
  • The Roth Advantage No One Talks About [View article]
    djean-
    You should be concerned that in the future, the tax is likely to go up on IRA withdrawals. If I can squirrel away as much as possible in my ROTH at today's 'lower' rate, I'll come out ahead and it can be passed on tax free.
    ROTHs should win in the long run, unless you think taxes won't go up -ha.
    G
    Feb 27, 2015. 01:48 AM | 1 Like Like |Link to Comment
  • Impeccable Quality, But There Are No Bargains Today In The S&P 500 Consumer Staples Sector: Part 8 [View article]
    Simply-
    Interesting site
    thanks-
    G
    Feb 27, 2015. 01:23 AM | Likes Like |Link to Comment
  • Impeccable Quality, But There Are No Bargains Today In The S&P 500 Consumer Staples Sector: Part 8 [View article]
    jaimie-
    PE is 25% above historical- per FastGraphs and way over FV of about 61.50 or less. If it came down to paying at the premium level of the PE- it would be about $69. But, I believe Chowder said he'd buy if he wasn't full-up.
    G
    Feb 27, 2015. 01:18 AM | Likes Like |Link to Comment
  • Impeccable Quality, But There Are No Bargains Today In The S&P 500 Consumer Staples Sector: Part 8 [View article]
    218-
    The pop-up blurb next to the PE says it is a trimmed PE- the average of the period of year selected, with the high and low not used.
    G
    Feb 27, 2015. 01:13 AM | Likes Like |Link to Comment
  • Dividend Growth Investors: I Have A Few Questions [View article]
    small-
    I forgot to mention that cash from divs in the IRA can be pulled, if available, to be used as the RMD- transferred to the taxable acct-- whatever works best.
    G
    Feb 27, 2015. 12:41 AM | Likes Like |Link to Comment
  • Dividend Growth Investors: I Have A Few Questions [View article]
    User-
    thanks- it just seems it would have been clearer if the 90,000 inflation (which also happens to be the same as the divs) had not been tacked onto the 3,000,000 (3,090,000) -- that threw me.
    Good luck-- I might be able to use this some way.
    G
    Feb 26, 2015. 11:55 PM | 1 Like Like |Link to Comment
  • Dividend Growth Investors: I Have A Few Questions [View article]
    Small-
    I hope I understand the Q relating to selling the poorer ones. My intent is to use them /or some of it to pay the tax on the RMD- since I have the majority of equity dollars in my IRA, I doubt that I can convert everything, I will be forced into increasing RMDs each year and have to pay tax after. Anything I don't need to spend can go to pay for tax on conversions too.
    I am trying to stay in the 15% bracket doing this. The tricky part is what gets converted!! I see an argument for a poor performer that is down in value, but might well gain a lot in the ROTH-- basically a cheap move as an RMD, but a gainer in the long run.

    I'm don't understand the comment about you sharing the worry of RMD tax (?)
    thanks for your comment-
    G
    Feb 26, 2015. 11:49 PM | Likes Like |Link to Comment
  • Dividend Growth Investors: I Have A Few Questions [View article]
    Buy & hold-
    Sorry- I forgot about being all in taxable--that works too- just pay the tax on the dividends. Sounds fine.
    G
    Feb 26, 2015. 11:40 PM | Likes Like |Link to Comment
  • Elevate My Market [View article]
    Yellen clearly indicated increased rates in June???? More than a few people have quite a different view of that. We won't have long to wait on that 'prediction'.
    G
    Feb 26, 2015. 03:22 PM | Likes Like |Link to Comment
  • Dividend Growth Investors: I Have A Few Questions [View article]
    User-
    Is everything in a ROTH? Otherwise, RMDs will change all numbers.
    G
    Feb 26, 2015. 02:54 PM | Likes Like |Link to Comment
  • Dividend Growth Investors: I Have A Few Questions [View article]
    User-
    Thanks- seems like a great plan. I don't understand how inflation increases your balance:
    "Applying inflation to my beginning capital it would be $3,090,000 at the end of my first year...."
    Otherwise, I get the numbers-- although I guess they are simplified, since 3% of dividends and the & growth don't happen all at once-- they're incremental thru the year.
    G
    Feb 26, 2015. 02:52 PM | Likes Like |Link to Comment
  • Dividend Growth Investors: I Have A Few Questions [View article]
    positive-
    That's the old argument, but an index is far from the same thing as 50 selected stocks of the 'best'. The S&P 500 has a lot of poorer stocks mixed with the best- but feel free to pay a fee to own them all- with a lower div rate. I hope your 'limited' number works for you--how many is that?
    G
    Feb 26, 2015. 02:33 PM | 1 Like Like |Link to Comment
  • Dividend Growth Investors: I Have A Few Questions [View article]
    Bob-
    Thanks for a thought provoking article- per usual.

    I'm thinking that of the 55 equities that I have, I will reduce between 6 and 12 of the stocks that I have money 'parked' in for the higher dividends they pay. Eventually, I see about 30 being easier to keep track of, but I will have to find homes for money from their sale and for the cash on-hand presently. Of course, I can see having 50 stocks if I can get the quality at a good price--it's just pretty difficult right now--but I can wait.

    I am taking RMDs, and presently plan to do in-kind transfer of poorer fairing stocks to my taxable, keeping those that I feel might improve and sell off others for investable/spendable cash. This would let my winners run more, and winnow-out the lesser ones. If the poorer ones were to continue to go down in the taxable, I might get a little tax benefit from taking the loss (on the new basis).

    G
    Feb 26, 2015. 02:25 PM | 2 Likes Like |Link to Comment
  • Dividend Growth Investors: I Have A Few Questions [View article]
    buyandhold-
    Bob mentioned RMDs also- you know eventually even you will have to sell unless you move everything into ROTHs- right? Imagine, selling ;-)

    Also- if Bob is needing to fund retirement or fund things now, he is asking about how to sell....
    G
    Feb 26, 2015. 02:12 PM | Likes Like |Link to Comment
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