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Gratian

Gratian
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  • Why I Will Start Social Security At Age 62 [View article]
    TAS,

    I am also one of those that will receive an offset SS amount even though I pay my full SS each payday. It is what it is...................... thanks to our politicians.

    I'll take my offset reduced SS at age 62. Best wishes, gratian
    Aug 26 08:00 PM | Likes Like |Link to Comment
  • Dividend Growth Investors, Prepare To Boost Your Returns [View article]
    Dale,

    I do believe that those are in or near the retired life cycle, that have a solid pension and/or annuity, SS income, plus the dividend income, no debt, will have a "better" chance of riding though the next big one.

    Talk is cheap, so we will just have to wait and see how someone that never experience a major depreciation of portfolio value will react.

    Those that are a little early in the life cycle with a spouse, kids, mortgage and other expenses need to have a solid financial strategy to ensure they can make it though the next major recession

    This is a good time to allow the cash allocation to melt up as the market continues to melt up, at least in my humble opinion.

    Anyway, the market has a funny way of sucking in every plug nickel before heading in the other direction.

    Best wishes, gratian
    Aug 26 07:42 PM | 1 Like Like |Link to Comment
  • Preferred Issues, Puts And Silver As Defensive Positions Over The Next Several Months [View article]
    Henry,

    Enjoyed the article and agree that preferred's are another way of spreading the love in the portfolio. I like to keep around a 10% allocation within my exchange traded income allocation.

    Also, a great ideal to take some off the table during fair weather instead of waiting for foul weather to return.

    Best wishes, gratian
    Aug 25 06:41 PM | Likes Like |Link to Comment
  • ArcelorMittal Down, But Not Out [View article]
    Stephen,

    Thanks for the article, I do not own the common, but I do own ARCELORMITTAL NOTE 06.75000% 02/25/2022 ISIN #US03938LAX29, purchased at a nice discount several years ago and have not noticed any price movement. So far so good.

    Best wishes, gratian
    Aug 21 06:27 PM | Likes Like |Link to Comment
  • Should You Buy American Realty Capital Properties Instead Of Realty Income? [View article]
    Yep! Long ARCP and ARCPP. $17 is a nice target for those that are long and not short, right?????
    Aug 20 04:26 PM | Likes Like |Link to Comment
  • 2 Key Tests For The True Dividend Growth Investor [View article]
    Ron,

    I believe a lot of folks show a lot of bravado when we have a long running bull market like this last leg of a triple top. A lot of folks commenting in this thread were not even a self directed investor even in the last meltdown.

    99% of the folks are going to panic during the next major meltdown. If your one of the 1% that is going to watch every dime of your appreciation from the last 3 years go down the toilet, then great for you!

    A bull market has a way of sucking in every last plug nickel, a long with plenty of complacent attitudes. Happen in the past, it will happen again in the future.

    Best wishes, gratian
    Aug 20 03:55 PM | 1 Like Like |Link to Comment
  • 2 Key Tests For The True Dividend Growth Investor [View article]
    CPA,

    Your right!

    Some folks do have to invest 100% of every dollar owned to make the same amount of money as those who do not invest 100% of every dollar owned.

    Best wishes, gratian
    Aug 20 03:44 PM | Likes Like |Link to Comment
  • 2 Key Tests For The True Dividend Growth Investor [View article]
    SDS,

    The following link is for the Tiger 21 folks portfolio allocation.

    http://bit.ly/1rUZrDG

    Tiger 21 folks average around 11% cash or cash equivalents, but they are well diversified into other asset classes and industries.

    If someone is less diversified then they need to modify the cash allocation to fit the increased risk.

    As for me, I include my cash or cash equivalents as part of my holdings. I like to use a %, but as you know the big box brokerage houses that make a living from more cash invested recommend anywhere from 6 months to a year. WSJ just had an article on the benefit of a cash for emergencies and/or opportunities.

    It is the duty of each investor to review there particular risks and life cycle to determine an adequate cash position and strategy.

    Best wishes, gratian
    Aug 19 07:14 PM | Likes Like |Link to Comment
  • 2 Key Tests For The True Dividend Growth Investor [View article]
    Rich,

    Glad you back :)

    Good lord willing, I hope to be a round during the next major meltdown to see if some of these folks are as tough as they talk. It will be very interesting.

    Best wishes, gratian
    Aug 17 08:06 PM | 2 Likes Like |Link to Comment
  • Build A 'Whatever Happens' Portfolio... Now [View article]
    Joseph,

    Excellent reply to the buy and hold strategy and I agree it would be very tough for most folks to watch this level of depreciation of portfolio value.

    Enjoyed the article.

    Best wishes, gratian
    Aug 17 09:41 AM | 1 Like Like |Link to Comment
  • 2 Key Tests For The True Dividend Growth Investor [View article]
    Smarty,

    I think I said plenty on the subject, gave some very, very simple examples.

    So folks just need to make sure that when some of these investors state they are 100% equities or 100% tulips or 100% whatever, that they are not counting cash outside of "invest-able cash" or "emergency cash".

    In other words, an individual could state they are 100% invested with 100k in equities and 100k in EF, which of course is misleading.

    My allocations does include all my cash or even cash equivalents. In my humble opinion one should count emergency fund "EF" as cash and as a separate bucket as part of your overall AA strategy.

    There has been a lot of debate over the years whether checking or savings account cash should be excluded, but then most would count CD's, I bonds, etc... as part of cash of your overall AA.

    Anyway, different strokes for different folks. gratian
    Aug 16 09:43 PM | Likes Like |Link to Comment
  • 2 Key Tests For The True Dividend Growth Investor [View article]
    chowder,

    Thanks, I figure you were only 100% of your invest-able money.

    Best wishes, gratian
    Aug 16 08:23 AM | Likes Like |Link to Comment
  • 2 Key Tests For The True Dividend Growth Investor [View article]
    droleht,

    "I don't see a need for an emergency fund."

    No reason for us to discuss anything.

    Wish you the best in the future.gratian
    Aug 16 08:22 AM | Likes Like |Link to Comment
  • 2 Key Tests For The True Dividend Growth Investor [View article]
    cpa,

    Well......... pensions are melting away and most public servants are moving (at least the new folks) are moving to 401k type plans, but we will put that aside.

    New federal employees have TSP which is a 401k type plan along with a small supplement pension. States are moving to similar type plans.

    If I was someone new coming into government public service, I would definitely have ROTH IRA's along with a taxable trust account as additional insurance. It's fairly popular for folks to screw public servants and break promises.

    Your the only one that can decide that a 3 to 4% cash allocation fits your comfort level and whether you have adequate resources to weather any down cycle or emergency situation.

    Best wishes, gratian
    Aug 16 08:19 AM | Likes Like |Link to Comment
  • 2 Key Tests For The True Dividend Growth Investor [View article]
    Paul W.,

    You have some good points, in your case just give the % amount of standby cash in comparison of your overall portfolio.

    Best wishes, gratian
    Aug 16 08:03 AM | Likes Like |Link to Comment
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