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    <title>jbzw's Comments</title>
    <description>jbzw's Comments RSS Syndication from SeekingAlpha.com</description>
    <link>http://seekingalpha.com/user/954818/comments</link>
    <item>
      <title>RAIT Financial: Misunderstood And Undervalued</title>
      <link>http://seekingalpha.com/article/1458101/comments?source=feed#comment-19228041</link>
      <guid isPermaLink="false">19228041</guid>
      <content>
        <![CDATA[Thanks for your article. I am also long its preferreds. ]]>
      </content>
      <pubDate>Fri, 24 May 2013 19:38:58 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your article. I am also long its preferreds. ]]>
      </description>
    </item>
    <item>
      <title>Is Fifth Street In The Wrong Neighborhood?</title>
      <link>http://seekingalpha.com/article/1443871/comments?source=feed#comment-19013221</link>
      <guid isPermaLink="false">19013221</guid>
      <content>
        <![CDATA[Thanks for your detailed article. Since FSC pays monthly, I calculate the annual rate of return as over 11%. Please continue to provide your careful analysis of these types of investments.]]>
      </content>
      <pubDate>Sun, 19 May 2013 22:09:34 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your detailed article. Since FSC pays monthly, I calculate the annual rate of return as over 11%. Please continue to provide your careful analysis of these types of investments.]]>
      </description>
    </item>
    <item>
      <title>What Will $2 Million Get You In Retirement?</title>
      <link>http://seekingalpha.com/article/1440781/comments?source=feed#comment-18990051</link>
      <guid isPermaLink="false">18990051</guid>
      <content>
        <![CDATA[Roths need to be done in a systematic fashion to spread out the taxes. However, remembe that there are no MRDS on withdrawals from Roths and withdrawals do not count as income in determining taxes on Social Security payments. ]]>
      </content>
      <pubDate>Sat, 18 May 2013 19:02:16 -0400</pubDate>
      <description>
        <![CDATA[Roths need to be done in a systematic fashion to spread out the taxes. However, remembe that there are no MRDS on withdrawals from Roths and withdrawals do not count as income in determining taxes on Social Security payments. ]]>
      </description>
    </item>
    <item>
      <title>What Will $2 Million Get You In Retirement?</title>
      <link>http://seekingalpha.com/article/1440781/comments?source=feed#comment-18989921</link>
      <guid isPermaLink="false">18989921</guid>
      <content>
        <![CDATA[Its already in place for Medicare insurance premiums!]]>
      </content>
      <pubDate>Sat, 18 May 2013 18:57:12 -0400</pubDate>
      <description>
        <![CDATA[Its already in place for Medicare insurance premiums!]]>
      </description>
    </item>
    <item>
      <title>Mid-Con Energy Update - Volumes And Distributions Set To Flow Higher</title>
      <link>http://seekingalpha.com/article/1439521/comments?source=feed#comment-18971031</link>
      <guid isPermaLink="false">18971031</guid>
      <content>
        <![CDATA[Thanks for your article. It has been strong and I am long!]]>
      </content>
      <pubDate>Fri, 17 May 2013 22:33:34 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your article. It has been strong and I am long!]]>
      </description>
    </item>
    <item>
      <title>What Will $2 Million Get You In Retirement?</title>
      <link>http://seekingalpha.com/article/1440781/comments?source=feed#comment-18924531</link>
      <guid isPermaLink="false">18924531</guid>
      <content>
        <![CDATA[Since these folks have 5 years or some before the MRD hits, they could make Roth conversions to reduce the amount of tax on the required MRDs to lessen their tax impact. As a part of that plan, they could buy higher yield bonds in their regular IRAs and convert  them in kind just before the semi-annual  interest is due. While the value of the bond is taxed on the conversion, my understanding is that the accrued interest passes without any tax. Once the MRDs hit  ( which can be managed within  the SS taxability amounts), they can alternate years to withdaw from their Roth every other year   so that their taxable income is  minimal or  close to it. Then in the next year they can contine to make Roth conversions while paying  small  quarterly payments  based on the low income and have until April of the next year to pay the complete tax. Two million gives a lot of flexibility and the couple should invest a few well spent dollars in getting some professional tax advice.  You are so correct that taxes must be considered. Thanks again.]]>
      </content>
      <pubDate>Thu, 16 May 2013 20:47:17 -0400</pubDate>
      <description>
        <![CDATA[Since these folks have 5 years or some before the MRD hits, they could make Roth conversions to reduce the amount of tax on the required MRDs to lessen their tax impact. As a part of that plan, they could buy higher yield bonds in their regular IRAs and convert  them in kind just before the semi-annual  interest is due. While the value of the bond is taxed on the conversion, my understanding is that the accrued interest passes without any tax. Once the MRDs hit  ( which can be managed within  the SS taxability amounts), they can alternate years to withdaw from their Roth every other year   so that their taxable income is  minimal or  close to it. Then in the next year they can contine to make Roth conversions while paying  small  quarterly payments  based on the low income and have until April of the next year to pay the complete tax. Two million gives a lot of flexibility and the couple should invest a few well spent dollars in getting some professional tax advice.  You are so correct that taxes must be considered. Thanks again.]]>
      </description>
    </item>
    <item>
      <title>What Will $2 Million Get You In Retirement?</title>
      <link>http://seekingalpha.com/article/1440781/comments?source=feed#comment-18909251</link>
      <guid isPermaLink="false">18909251</guid>
      <content>
        <![CDATA[Thanks for your article. However, if the couple is receiving $35,0000 per year in SS befefits, they should never run out of money if they only need an additional $56,000 per year. Indeed, they may never even have to invade their principal. ]]>
      </content>
      <pubDate>Thu, 16 May 2013 14:34:44 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your article. However, if the couple is receiving $35,0000 per year in SS befefits, they should never run out of money if they only need an additional $56,000 per year. Indeed, they may never even have to invade their principal. ]]>
      </description>
    </item>
    <item>
      <title>Bull Of The Day: Private Bancorp</title>
      <link>http://seekingalpha.com/article/1407091/comments?source=feed#comment-18517661</link>
      <guid isPermaLink="false">18517661</guid>
      <content>
        <![CDATA[Thanks for the article. I am long its preferred PVTBP with its 9.7% yield. It trades around par with carried interest.]]>
      </content>
      <pubDate>Mon, 06 May 2013 21:15:30 -0400</pubDate>
      <description>
        <![CDATA[Thanks for the article. I am long its preferred PVTBP with its 9.7% yield. It trades around par with carried interest.]]>
      </description>
    </item>
    <item>
      <title>Thompson Creek: Undervalued As Mount Milligan Approaches Completion</title>
      <link>http://seekingalpha.com/article/1407141/comments?source=feed#comment-18517541</link>
      <guid isPermaLink="false">18517541</guid>
      <content>
        <![CDATA[Thanks for your article. I am holding the TC 5/1/19 bond - Cu 884768ae2 - which currently  yields @ 12% and still trades below par.  Please keep us posted.]]>
      </content>
      <pubDate>Mon, 06 May 2013 21:11:56 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your article. I am holding the TC 5/1/19 bond - Cu 884768ae2 - which currently  yields @ 12% and still trades below par.  Please keep us posted.]]>
      </description>
    </item>
    <item>
      <title>Clarifications And Focus From  NIHD Q1 Earning Transcript Highlighted </title>
      <link>http://seekingalpha.com/instablog/4985241-tufenk/1825641-clarifications-and-focus-from-nihd-q1-earning-transcript-highlighted?source=feed#comment-18451701</link>
      <guid isPermaLink="false">18451701</guid>
      <content>
        <![CDATA[Thanks for the update!]]>
      </content>
      <pubDate>Sat, 04 May 2013 22:24:46 -0400</pubDate>
      <description>
        <![CDATA[Thanks for the update!]]>
      </description>
    </item>
    <item>
      <title>NII Holdings: A Raging Buy Emerges From Misread Of EBITDA - $13.13 Target</title>
      <link>http://seekingalpha.com/article/1398571/comments?source=feed#comment-18428741</link>
      <guid isPermaLink="false">18428741</guid>
      <content>
        <![CDATA[Thanks for your extensive review. I am long two bonds- cusips 67021bac3 and 67021bad1. The first is selling below par with a current yield over 9%.  The seond is slightly above par with a current yield of 9.6%.  Please keep us posted.]]>
      </content>
      <pubDate>Fri, 03 May 2013 21:15:06 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your extensive review. I am long two bonds- cusips 67021bac3 and 67021bad1. The first is selling below par with a current yield over 9%.  The seond is slightly above par with a current yield of 9.6%.  Please keep us posted.]]>
      </description>
    </item>
    <item>
      <title>Want To Retire Before 60? Here Is What You Need To Know</title>
      <link>http://seekingalpha.com/article/1388981/comments?source=feed#comment-18315121</link>
      <guid isPermaLink="false">18315121</guid>
      <content>
        <![CDATA[When you include social security income, you must also figure that 85% of it will be taxable income after your $ 45000 or so of additional income is paid to you. If your MRDs exceed that amount the SS money gets taxed, and throws you into a higher bracker. Add in some means tested increases in your medicare insurance premium, and the amounts continue to rise. Roths need to be considered to the max! Thanks for your article.]]>
      </content>
      <pubDate>Wed, 01 May 2013 11:26:46 -0400</pubDate>
      <description>
        <![CDATA[When you include social security income, you must also figure that 85% of it will be taxable income after your $ 45000 or so of additional income is paid to you. If your MRDs exceed that amount the SS money gets taxed, and throws you into a higher bracker. Add in some means tested increases in your medicare insurance premium, and the amounts continue to rise. Roths need to be considered to the max! Thanks for your article.]]>
      </description>
    </item>
    <item>
      <title>This Undervalued High Dividend Stock Goes Ex-Dividend This Week</title>
      <link>http://seekingalpha.com/article/1377671/comments?source=feed#comment-18296541</link>
      <guid isPermaLink="false">18296541</guid>
      <content>
        <![CDATA[Up another  30 cents today!]]>
      </content>
      <pubDate>Tue, 30 Apr 2013 21:54:20 -0400</pubDate>
      <description>
        <![CDATA[Up another  30 cents today!]]>
      </description>
    </item>
    <item>
      <title>This Undervalued High Dividend Stock Goes Ex-Dividend This Week</title>
      <link>http://seekingalpha.com/article/1377671/comments?source=feed#comment-18241141</link>
      <guid isPermaLink="false">18241141</guid>
      <content>
        <![CDATA[Excellent call. Up 70 cents today!]]>
      </content>
      <pubDate>Mon, 29 Apr 2013 16:33:48 -0400</pubDate>
      <description>
        <![CDATA[Excellent call. Up 70 cents today!]]>
      </description>
    </item>
    <item>
      <title>Methanex Is On A Roll</title>
      <link>http://seekingalpha.com/article/1379341/comments?source=feed#comment-18203091</link>
      <guid isPermaLink="false">18203091</guid>
      <content>
        <![CDATA[You sure nailed this one! The recent dividend increase is the ninth one since 2002. Thanks for sharing this one with us last year and pleased keep up the excellent posts.]]>
      </content>
      <pubDate>Sun, 28 Apr 2013 19:18:59 -0400</pubDate>
      <description>
        <![CDATA[You sure nailed this one! The recent dividend increase is the ninth one since 2002. Thanks for sharing this one with us last year and pleased keep up the excellent posts.]]>
      </description>
    </item>
    <item>
      <title>This Undervalued High Dividend Stock Goes Ex-Dividend This Week</title>
      <link>http://seekingalpha.com/article/1377671/comments?source=feed#comment-18187971</link>
      <guid isPermaLink="false">18187971</guid>
      <content>
        <![CDATA[Thanks for your article. I own this issue and am pleased with the dividend and its increase. Is it undervalued? Who knows, thats why there are buyers and sellers everyday the market is open. My view is that MCEP is a present keeper.]]>
      </content>
      <pubDate>Sun, 28 Apr 2013 10:01:05 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your article. I own this issue and am pleased with the dividend and its increase. Is it undervalued? Who knows, thats why there are buyers and sellers everyday the market is open. My view is that MCEP is a present keeper.]]>
      </description>
    </item>
    <item>
      <title>Stocks Are Trading Like Bonds: Implications For Investors</title>
      <link>http://seekingalpha.com/article/1366651/comments?source=feed#comment-18102861</link>
      <guid isPermaLink="false">18102861</guid>
      <content>
        <![CDATA[I am an income growth investor and increase my income as best as I can. Aretailguy has described the Bernake put, which cannot  last forever. Your reasons 1 and 2 set forth a good reason to include higher yield , shorter term, at or below par bonds. The Mreits and BDCs fluctuate in value and return , so that when the music stops some people will have no chairs. Common stocks pay lower dividends that are alo subject to the companies' performances. Preferred stocks are generally not yielding enough to suit me. Hence, for my situation  I have moved to the individual bonds. I am willing to accept the interest and some modest gain with the below pars, and forego possible capital appreciation in my retirement accounts. My niche is somewhat different from most other folks. Hopes this answers your question. Thanks.]]>
      </content>
      <pubDate>Thu, 25 Apr 2013 17:50:21 -0400</pubDate>
      <description>
        <![CDATA[I am an income growth investor and increase my income as best as I can. Aretailguy has described the Bernake put, which cannot  last forever. Your reasons 1 and 2 set forth a good reason to include higher yield , shorter term, at or below par bonds. The Mreits and BDCs fluctuate in value and return , so that when the music stops some people will have no chairs. Common stocks pay lower dividends that are alo subject to the companies' performances. Preferred stocks are generally not yielding enough to suit me. Hence, for my situation  I have moved to the individual bonds. I am willing to accept the interest and some modest gain with the below pars, and forego possible capital appreciation in my retirement accounts. My niche is somewhat different from most other folks. Hopes this answers your question. Thanks.]]>
      </description>
    </item>
    <item>
      <title>Stocks Are Trading Like Bonds: Implications For Investors</title>
      <link>http://seekingalpha.com/article/1366651/comments?source=feed#comment-18054041</link>
      <guid isPermaLink="false">18054041</guid>
      <content>
        <![CDATA[Thanks for your excellent article. My usual practice is to buy higher yielding bonds at or below par with maturities of four years or less. The current lower rates on preferreds and the reasoning set forth in your article caused me to substantially redeploy into bonds last year.]]>
      </content>
      <pubDate>Wed, 24 Apr 2013 19:00:40 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your excellent article. My usual practice is to buy higher yielding bonds at or below par with maturities of four years or less. The current lower rates on preferreds and the reasoning set forth in your article caused me to substantially redeploy into bonds last year.]]>
      </description>
    </item>
    <item>
      <title>Fifth Street Finance Corp.'s Upcoming Q2 2013 Income Statement Estimation</title>
      <link>http://seekingalpha.com/article/1359221/comments?source=feed#comment-18004531</link>
      <guid isPermaLink="false">18004531</guid>
      <content>
        <![CDATA[Thanks for detailed article. Please keep them coming!]]>
      </content>
      <pubDate>Tue, 23 Apr 2013 18:56:18 -0400</pubDate>
      <description>
        <![CDATA[Thanks for detailed article. Please keep them coming!]]>
      </description>
    </item>
    <item>
      <title>Earnings Season: What To Expect As REIT 1Q Earnings Reports Come In</title>
      <link>http://seekingalpha.com/article/1359861/comments?source=feed#comment-17983361</link>
      <guid isPermaLink="false">17983361</guid>
      <content>
        <![CDATA[Thanks for your comprehensive review. I own or have owned many of the preferreds issued by these companies. Please keep us informed of your reviews. ]]>
      </content>
      <pubDate>Tue, 23 Apr 2013 12:20:26 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your comprehensive review. I own or have owned many of the preferreds issued by these companies. Please keep us informed of your reviews. ]]>
      </description>
    </item>
    <item>
      <title>New Preferred Stock: Grab This 8.5% Yielder</title>
      <link>http://seekingalpha.com/article/1357211/comments?source=feed#comment-17982681</link>
      <guid isPermaLink="false">17982681</guid>
      <content>
        <![CDATA[I own them both. However, with the current market for preferreds usually paying much less than the new D, my view is that I want the D rate until 2018, as well as the C. ]]>
      </content>
      <pubDate>Tue, 23 Apr 2013 12:11:43 -0400</pubDate>
      <description>
        <![CDATA[I own them both. However, with the current market for preferreds usually paying much less than the new D, my view is that I want the D rate until 2018, as well as the C. ]]>
      </description>
    </item>
    <item>
      <title>New Preferred Stock: Grab This 8.5% Yielder</title>
      <link>http://seekingalpha.com/article/1357211/comments?source=feed#comment-17955811</link>
      <guid isPermaLink="false">17955811</guid>
      <content>
        <![CDATA[I would not buy it. It is 50 cents over par and callable at any time. The proceeds from the new D could easily be used any day to take the A . ]]>
      </content>
      <pubDate>Mon, 22 Apr 2013 19:47:52 -0400</pubDate>
      <description>
        <![CDATA[I would not buy it. It is 50 cents over par and callable at any time. The proceeds from the new D could easily be used any day to take the A . ]]>
      </description>
    </item>
    <item>
      <title>New Preferred Stock: Grab This 8.5% Yielder</title>
      <link>http://seekingalpha.com/article/1357211/comments?source=feed#comment-17930761</link>
      <guid isPermaLink="false">17930761</guid>
      <content>
        <![CDATA[Me too!]]>
      </content>
      <pubDate>Mon, 22 Apr 2013 10:20:47 -0400</pubDate>
      <description>
        <![CDATA[Me too!]]>
      </description>
    </item>
    <item>
      <title>Retirement In A World Without Social Security</title>
      <link>http://seekingalpha.com/article/1353651/comments?source=feed#comment-17915301</link>
      <guid isPermaLink="false">17915301</guid>
      <content>
        <![CDATA[In order to have a more secure retirement footing, I suggest that you ignore the possible Social Security income and plan to withdraw no percent of your capital if it is invested only in stocks. Further, I suggest that the lofty returns from Mreits are only temporary ones based on current low interest rates which is not a reliable source of great returns for the long run. Retirement income should be viewed without reducing principal, and projections of high rates of return  for the long haul is illusory. One approach is live off of the interest and dividends accumulated from the prior year so that principal is not regularly invaded. How do you accumulate the principal over time? Save more than you spend, diversify your portfolio, avoid fad investing, use some bonds and preferred stocks, and learn some tax law to find the best retirement accounts you can. Good luck.]]>
      </content>
      <pubDate>Sun, 21 Apr 2013 22:28:34 -0400</pubDate>
      <description>
        <![CDATA[In order to have a more secure retirement footing, I suggest that you ignore the possible Social Security income and plan to withdraw no percent of your capital if it is invested only in stocks. Further, I suggest that the lofty returns from Mreits are only temporary ones based on current low interest rates which is not a reliable source of great returns for the long run. Retirement income should be viewed without reducing principal, and projections of high rates of return  for the long haul is illusory. One approach is live off of the interest and dividends accumulated from the prior year so that principal is not regularly invaded. How do you accumulate the principal over time? Save more than you spend, diversify your portfolio, avoid fad investing, use some bonds and preferred stocks, and learn some tax law to find the best retirement accounts you can. Good luck.]]>
      </description>
    </item>
    <item>
      <title>A Big Market Drop Makes These Below $8 Oil Stocks Too Cheap To Ignore</title>
      <link>http://seekingalpha.com/article/1343521/comments?source=feed#comment-17764851</link>
      <guid isPermaLink="false">17764851</guid>
      <content>
        <![CDATA[Mhr-d now yields over 10% and pays monthly!]]>
      </content>
      <pubDate>Wed, 17 Apr 2013 20:29:09 -0400</pubDate>
      <description>
        <![CDATA[Mhr-d now yields over 10% and pays monthly!]]>
      </description>
    </item>
    <item>
      <title>This Energy Company Transformed Itself Overnight</title>
      <link>http://seekingalpha.com/article/1319941/comments?source=feed#comment-17761821</link>
      <guid isPermaLink="false">17761821</guid>
      <content>
        <![CDATA[Mhr-d now paying over 10%!]]>
      </content>
      <pubDate>Wed, 17 Apr 2013 19:00:45 -0400</pubDate>
      <description>
        <![CDATA[Mhr-d now paying over 10%!]]>
      </description>
    </item>
    <item>
      <title>J.C. Penney Debt Looks Intriguing -- Still Too Early To Buy Equity</title>
      <link>http://seekingalpha.com/article/1342151/comments?source=feed#comment-17672451</link>
      <guid isPermaLink="false">17672451</guid>
      <content>
        <![CDATA[Thanks for your article. Do you have any views on the other JCP related issues, HJV, JBR, and JBN?]]>
      </content>
      <pubDate>Mon, 15 Apr 2013 21:35:05 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your article. Do you have any views on the other JCP related issues, HJV, JBR, and JBN?]]>
      </description>
    </item>
    <item>
      <title>Desperately Seeking Yield Through Equities Redux: Part 10 - The Issue Of Context</title>
      <link>http://seekingalpha.com/article/1325861/comments?source=feed#comment-17508401</link>
      <guid isPermaLink="false">17508401</guid>
      <content>
        <![CDATA[Thanks for your excellent article. NRF' s new 8.5% preferred, NRFPRD began trading today around par. ]]>
      </content>
      <pubDate>Thu, 11 Apr 2013 15:45:11 -0400</pubDate>
      <description>
        <![CDATA[Thanks for your excellent article. NRF' s new 8.5% preferred, NRFPRD began trading today around par. ]]>
      </description>
    </item>
    <item>
      <title>3 Small REITs, One Large Opportunity</title>
      <link>http://seekingalpha.com/article/1307911/comments?source=feed#comment-17311381</link>
      <guid isPermaLink="false">17311381</guid>
      <content>
        <![CDATA[There is no maturity date or call schedule after the call date.  It may or may not be called in Sept. 2017. My bet would be that it will be called absent interest rate increases above its stated rate. ]]>
      </content>
      <pubDate>Sat, 06 Apr 2013 21:20:57 -0400</pubDate>
      <description>
        <![CDATA[There is no maturity date or call schedule after the call date.  It may or may not be called in Sept. 2017. My bet would be that it will be called absent interest rate increases above its stated rate. ]]>
      </description>
    </item>
    <item>
      <title>Newcastle Investment: An 8% Yield Plus A Potential 20% Dividend Increase</title>
      <link>http://seekingalpha.com/article/1322431/comments?source=feed#comment-17311321</link>
      <guid isPermaLink="false">17311321</guid>
      <content>
        <![CDATA[I recently sold out of the Series B  because of its high price over par. It is well past its call date and I expect that it will be called soon to the dismay of those currently holding it. A generous rate for preferreds selling well over par and past their call dates is not worth the capital loss on redemption in my view. ]]>
      </content>
      <pubDate>Sat, 06 Apr 2013 21:16:11 -0400</pubDate>
      <description>
        <![CDATA[I recently sold out of the Series B  because of its high price over par. It is well past its call date and I expect that it will be called soon to the dismay of those currently holding it. A generous rate for preferreds selling well over par and past their call dates is not worth the capital loss on redemption in my view. ]]>
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