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  • ETN Showdown: MORL Correlations And Strategies [View article]
    mts,

    "...the links have now been rewritten using bitly. I'm guessing SA did that to track clicks?"

    The text editor that SA uses has a maximum allowed length for a character array that does not include a space. Any character array without embedded space that exceeds this length is truncated and ended with elipses (...). Many URLs exceed this length, so to avoid corruption of URLs, the SA text editor automatically converts them to bitly format.

    I tried your first link and I also saw just code; looks like Java to me. Your second link is to a table. Your third and fourth links are to charts.
    May 2, 2015. 12:01 PM | 2 Likes Like |Link to Comment
  • Straight Talk On The 4% Rule [View article]
    Paul,

    "Once the RMD reaches 15%, 20%, or more..."

    The RMD reaches 14.93% at age 99. Its maximum is 52.63% at age 115.

    The growth in the RMD percentage is fairly steady throughout. It starts at 3.4% at age 71 and reaches 7.04% at age 98. From there it increases again erratically, reaching 14.29% at age 114.

    To avoid spending any of your capital, your total portfolio yield must increase at least as fast as the RMD increases. I am very sure I will not have the mental capacity to do this when I am in my late 90s, assuming I get there. Time to think about plan B.
    May 2, 2015. 11:35 AM | 7 Likes Like |Link to Comment
  • Straight Talk On The 4% Rule [View article]
    The immediate annuity calculator is here[1].

    If you want to estimate what the size of a conservative bond portfolio would have to be to generate your pension income, divide your pension income by the 10 year Treasury constant maturity yield[2].

    [1]http://bit.ly/1EKiVnD
    [2]http://bit.ly/1Jsj1Eq
    May 1, 2015. 11:05 PM | 5 Likes Like |Link to Comment
  • Straight Talk On The 4% Rule [View article]
    Paul,

    An investor does not have to dig into principal when taking an RMD. The distribution can be taken in-kind. If you have the cash to pay the tax, then you still have your principal and it is still generating income. If you must sell some of the principal to pay the tax, you still have most of your distribution intact.
    May 1, 2015. 09:47 PM | 7 Likes Like |Link to Comment
  • Mr. Market Is Trying To Send Us A Message About Omega Healthcare [View article]
    Why are you quoting P/E for REITs? P/E is the wrong valuation measure. P/FFO is the correct measure.
    May 1, 2015. 09:43 PM | 3 Likes Like |Link to Comment
  • Straight Talk On The 4% Rule [View article]
    Ultrabase,

    If the dividend return does not keep up with spending then capital appreciation must be the source of your income. In that case, you will dip into principal. The only way you can avoid spending principal is to spend only the income generated by the principal.
    May 1, 2015. 03:55 PM | 12 Likes Like |Link to Comment
  • Straight Talk On The 4% Rule [View article]
    I include all of our Social Security pensions. I have no safety fears. Full support for Social Security in Congress is guaranteed by the fact that the largest voting bloc in the country, made up of those who are most likely to vote, are Social Security beneficiaries.
    May 1, 2015. 03:46 PM | 9 Likes Like |Link to Comment
  • Mr. Market Is Trying To Send Us A Message About Omega Healthcare [View article]
    Robert,

    Very good question!
    May 1, 2015. 03:36 PM | 1 Like Like |Link to Comment
  • Straight Talk On The 4% Rule [View article]
    Interesting and disappointing that Israelsen did not study 100% stocks. I also did not see any mention of pensions in either study. If pensions had been included, there would have been much less need to own fixed income, and more chance of long term success, especially in our world of ZIRP where bonds and CDs yield very little.
    May 1, 2015. 01:48 PM | 8 Likes Like |Link to Comment
  • Mr. Market Is Trying To Send Us A Message About Omega Healthcare [View article]
    charliezap,

    My chart above makes your point.
    May 1, 2015. 10:33 AM | 1 Like Like |Link to Comment
  • Mr. Market Is Trying To Send Us A Message About Omega Healthcare [View article]
    Mighty MO is a case in point. Mr Market got it wrong for decades, but finally seems to be getting it right.
    May 1, 2015. 10:32 AM | Likes Like |Link to Comment
  • Mr. Market Is Trying To Send Us A Message About Omega Healthcare [View article]
    I am sure your reasoning is sound.
    May 1, 2015. 10:30 AM | 1 Like Like |Link to Comment
  • Mr. Market Is Trying To Send Us A Message About Omega Healthcare [View article]
    Agreed, 2013 was a wonderful buying opportunity. I am hoping this develops into more of the same.
    May 1, 2015. 10:28 AM | Likes Like |Link to Comment
  • Mr. Market Is Trying To Send Us A Message About Omega Healthcare [View article]
    rosenose,

    Excellent advice: don't sell. Trading is a good way to lose money. I own all of yours plus EPR, HCN, LTC, LXP. I have yield targets for buying more and dry powder to spare. While I wait I collect dividends in my IRA - income is what I want.
    May 1, 2015. 10:27 AM | Likes Like |Link to Comment
  • Mr. Market Is Trying To Send Us A Message About Omega Healthcare [View article]
    Look at a comparative chart between VNQ and some of its constituents[1]. Some are stronger than VNQ and some are weaker - big surprise. As a group they are under selling pressure. The drop in OHI is a combination of company specific issues and the general market attitude to equity REITs.

    [1]http://on.mktw.net/1EI...
    May 1, 2015. 10:18 AM | 2 Likes Like |Link to Comment
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