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  • My Roth Conversion Odyssey (Part 2) [View article]
    I am retired and in the 4th year of doing these conversions. I plan the amount so that our taxable income ends up at the top of the 15% tax bracket (married, filing jointly). One reason that I haven't seen mentioned for starting this process ASAP is that the tax bracket cut-offs are much lower if one of us dies, which would make most or all of the IRA withdrawals/RMDs/conve... taxable at 25% rather than 15%.
    Jan 26, 2015. 03:53 PM | 3 Likes Like |Link to Comment
  • Deere Is Ready To Bounce Back [View article]
    "The population of the Americas will rise to 1.2 billion by the middle of the century from the current level of 958 million."
    Maybe this was fixed from the original version of the article, but it seems correct now, where "Americas" would include the 2 continents, N & S.
    Dec 6, 2013. 06:33 PM | Likes Like |Link to Comment
  • The Launch Of This New Portfolio Could Bring Us Closer To 'Alpha' [View article]
    I like most of your dividend picks, but I am wondering about the calculated dividend yield of 3.72% for this portfolio. I put your table into a spreadsheet and came up with only 2.3%. I realize that they is some rounding of percentages, but are you figuring the average yield on just the part of the portfolio that has dividends? Can you clarify this? Thanks.
    Oct 7, 2013. 06:24 PM | Likes Like |Link to Comment
  • A Better, Low Risk Strategy To Beat The Market [View article]
    Just as a warning, I find that the leveraged ETFs are tricky to stay in for long, even the indexes. As a simple illustration of the math, if the market was up 10% for 3 days in a row, a 1X ETF would gain 33%, while the 3X ETF would gain 120% (notice that it is better than the "expected" 99%, due to compounding.) If the market was down 9% for 3 days in a row, the 1X ETF would lose 25%, while the 3X would lose 61% (also better than the "expected" 75%.) Counter-intuitively however, if you string these 6 days together (in any order, by the way), the 1X ends up even, while the 3X ends up losing 15%. So, in a choppy, volatile market the 3X ETF performs much worse than you might expect.

    Even with this, it still may be that the system described will work.
    Jan 23, 2013. 06:47 AM | 2 Likes Like |Link to Comment