BruceCM’s Activity

Wed Dec 24

NL

Boards Post

BruceCM replied to the Retirement Investing board. 4:23 PM

Re: 70-1/2 IRA Charitable deduction is back

This provision, as well as many other 'tax extenders', are only extended for one year, 2014. This means that to get the tax benefit from those extenders involving discretionary actions (such as directing one's RMD to a qualified charity) must be [more]

NL

Boards Post

BruceCM replied to the Retirement Investing board. 3:08 PM

Re: Moving Dividend Stocks from Sheltered Accts

There is a strategy discussed out there in dividend cyberspace that deals with holding low yield/high dividend growth rate stocks beginning 7 to 10 years pre-retirement, so that by the time you reach retirement, their yield will have climbed to the [more]

Fri Nov 21

NL

Boards Post

BruceCM replied to the Real Estate Inv. Trusts: REITs board. 6:07 PM

Re: ARCP Common & Preferred

Here's a bit of fundamental info on the ARCP commons


2012 2013

Revenue $16.8MM $236MM
Net OpCF $6.0MM -$7.0MM
Dividends paid $8.4MM $165MM

According to the NAREIT web site, for 2013, 78% of ARCP's [more]

Sat Nov 15

NL

Boards Post

BruceCM replied to the Retirement Investing board. 7:42 PM

Re: Roth conversion on RMD not allowed

Large IRAs continue to be a problem
A major problem for those who didn't manage them down in size in their pre RMD years.

Basically you have to pay the taxes and there is no path around it.
For some, the tax bill will [more]

Fri Nov 14

NL

Boards Post

BruceCM replied to the Retirement Investing board. 9:16 PM

Re: Roth conversion on RMD not allowed

No, you do not have RMDs. Actually, you won't have an RMD until your required beginning date of April 1 of the year following the year you reach 70.5. You can certainly set up periodic auto withdrawals from your IRA, and its up to the custodian [more]

Sun Nov 9

NL

Boards Post

BruceCM replied to the Retirement Investing board. 10:40 AM

Re: 457(b) Plan?

Neil
I think your interpretation is correct.

Don't forget your IRAs. If you're making too much to be able to deduct TIRA contributions, then contribute to your Roths. Remember, a young couple can stuff $11,000 (5,500 each) per year into [more]

Fri Nov 7

NL

Boards Post

BruceCM replied to the Retirement Investing board. 8:36 PM

Re: 457(b) Plan?

I agree with the above. Non-government 457(b) plans, as your wife's hospital plan would be, are owned by the employer, not by the employee, just as Sec. 409(A) deferred comp plans are.

But have these ever defaulted? Well, yes, they have. [more]

Sun Nov 2

NL

Boards Post

BruceCM replied to the Dividend Growth Investing board. 1:56 PM

Re: Advice

You really need to provide actual numbers.

You say its a low 5 figures...I'll use $30,000.

You don't give the frequency of income needed...I'll assume monthly

You don't say how much income she'd like this to produce...lets [more]

Wed Oct 22

NL

Boards Post

BruceCM replied to the Real Estate Inv. Trusts: REITs board. 8:55 PM

Re: Intentions to call UBP-D

Sesameball
Thanks for the heads up and a chance to do a bit of research and replacement planning.

I haven't dug into the details on any potential replacements yet, but running my eye down the DividendYieldHunter's list of preferreds, and [more]

NL

Boards Post

BruceCM replied to the Dividend Growth Investing board. 4:49 PM

Re: Up stocks

The two line items I specifically mentioned in my last post are both found on the Cash-Flow Statement, not on the Earnings Statement.

No, non-cash expenses are NOT posted on the statement of cash flows. They are usually used to [more]

NL

Boards Post

BruceCM replied to the Dividend Growth Investing board. 12:18 PM

Re: Up stocks

Kelbon

Thanks for your feedback and your assessment. I always find these kinds of exchanges informative. But I think you misunderstand the difference between the Statement of Cash Flows (SOCF) and the Earnings Statement. The Earnings [more]

Mon Oct 20

NL

Boards Post

BruceCM replied to the Dividend Growth Investing board. 11:01 AM

Re: Up stocks

I don't know where you get your data, but it is demonstratively, and significantly, wrong.

Actually, the numbers are correct...they're just correct for the wrong expense (D/A). Here is the table for the Interest [more]

NL

Boards Post

BruceCM replied to the Real Estate Inv. Trusts: REITs board. 9:25 AM

Re: REIT Preferreds: Sell today or hold forever

I understand your philosophy of investing for income alone, but does that mean no trading?

Generally, a security held for its long term reliable income will not be sold over one's lifetime, unless one of the following [more]

Sun Oct 19

NL

Boards Post

BruceCM replied to the Dividend Growth Investing board. 11:41 AM

Re: Up stocks

Unfortunately, I cannot get the Excel table to configure using the 'pre' tag (it comes out too jumbled), and I don't have the patience this AM to type it all in by hand...

But using COP as an example, they have been able to grow revenues [more]

Fri Oct 17

NL

Boards Post

BruceCM replied to the Real Estate Inv. Trusts: REITs board. 10:04 PM

Re: jpc for income

One suggestion to answer your question on the income CEF you mention, is to download the abovementioned eBook on income investion for retirement and go to chapter 7 on alternative income securities. One of the chapters sections is on CEFs for long [more]

NL

Boards Post

BruceCM replied to the Real Estate Inv. Trusts: REITs board. 2:08 PM

Re: REIT Preferreds: Sell today or hold forever

I think the issue of To Keep or not to keep will be determined by your investment method used to meet investment objectives: If you are using portfolio total return and modern portfolio theory, then the arguments for interest rate sensitivity [more]

NL

Boards Post

BruceCM replied to the Dividend Growth Investing board. 1:05 PM

Re: New Free e-book on Pure Income Investing

gd
I love it when random events are timely! If nothing else, it is a good omen...whatever superstitious lean that may have...

I have a request for you (and others). As you go through and construct your income portfolio and note points [more]

Wed Oct 15

NL

Boards Post

BruceCM replied to the Retirement Investing board. 9:07 PM

Re: Free e-book:Pure Income Investing for Retire

Joel
Wow...you are the hardware guy! Good info!

For a dedicated reader I like the Kindle DX. Nice large reading screen and perhaps one of its greatest benefits is you can read it in bright direct sun light, as it is not back-lit. But [more]

NL

Boards Post

BruceCM replied to the Retirement Investing board. 12:26 AM

Re: Free e-book:Pure Income Investing for Retire

Joel
Thanks for the feedback.
Sounds like you own most of the hardware.
The print publishing requires a minimum 300 DPI resolution. With 85 graphs, tables and charts (all .jpg file inserts) makes for a large file.

BruceM

Tue Oct 14

NL

Boards Post

BruceCM replied to the Real Estate Inv. Trusts: REITs board. 2:02 PM

Re: Free e-book on Income Investing

thank you Bruce. I've been reading your posts forever on this board and give you alot of the credit for what I know about income investing. My portfolio is full of dividend paying stocks providing a nice income for me.

LuckyDog
[more]

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Boards Stats & Trivia

Big red star, 1000 posts Old School Fool
Board Posts 1887
Recs Received 5724
People who have rec'd these posts 662
Recs to Posts Ratio (last 30 days) N/A
Threads Started 119
Threads Started Percentage 6.31 %
Most Frequent Board Real Estate Inv. Trusts: REITs
Very First Post Re: Bond Funds (6/11/2001)
Percentage of Posts Rec'd 70.22 %
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