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bee

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  • I have access to the individual stock evaluations, too. I'm not sure if ALL of them are human-written. But they are more specific than almost all of the fund-AI-generated drivel. @hank @Crash, Where do you turn to for individual stock evaluations…
  • First New Episode of 2025: Part 1 was broadcast on December
  • Their site is operational on my phone log-in. Maybe a log-in issue from your device?
  • Q. How does inflow/outflow/trading play a dynamic in the OEF/EFT share price? I wonder if share price is more about inflows (euphoria), outflows (pessimism) and trading (daily inflow/outflow) than fundamentals. @ybb report the AAII investor senti…
  • ... I think I understand bees First part, but not the TLH. TLH would occur if one took RMDs (in kind) early (these holdings became taxable) and then there was a market swoon causing the "taxable RMDs" to incur a loss. I hope I am thinking this throu…
  • @stillers, Please indulges us with your "pay no tax" strategies. With your RMDs being 16 years away and retirement starting in 2012 or at age 45, I am all ears. Congratulations.
  • I'm playing this game by bundling cap gains into some years and ordinary income into others. A few techniques to bundle ordinary income - Do Roth conversions in "ordinary income years". - Buy short term (1 year or less) CDs/T-bills in "cap gains …
  • I thought I'd share a few articles on RMD Withdrawal strategies: the-best-way-to-take-required-minimum-distributions-rmds 8-strategies-for-optimizing-rmds-from-iras
  • Do we have owners of Victory funds in the forum? https://investor.vcm.com/products/mutual-funds/mutual-funds-list The Victory Tickers with a "U" as in USAGX were once upon a time USAA mutual fund offerings. USAA mutual funds moved (were sold?) t…
  • @dtconroe, do you have Medicare or Medicare Advantage? Once you start Medicare, you cannot contribute to hsa, But you can continue to draw from hsa. My question was misdirected to @dtconroe. It should have been to @bee. Yes. Began paying medicar…
  • @BaluBalu My apologies... great minds think alike! I would encourage you re-posting as you mentioned in your post. Thanks for seeing this as a duplicate.
  • When "other" becomes a bigger part of the funds make up I look for "another" fund.
  • Note however that the Adjusted Gross Income threshold is only $84,000 for eligibility to use these services. Only $84k AGI? 70% of taxpayers qualify... looking forward to the day when I don't qualify. I must remember the saying, "No one ever went b…
  • Just got off the phone with TRPRice. @$250K AUM they offer access to their closed funds such as PRWCX @$500K AUM they offer access to their institutional share class funds such as TRAIX @BaluBalu is that your understanding?
    in PRWCX vs. ITRIX Comment by bee January 9
  • PRWCX vs (TCAF+PRCFX) If you can't own PRWCX, maybe consider owning a combination of TCAF/PRCFX. Using a percentage of the eft TCAF in combination with a percentage of PRCFX one can approximate the same portfolio as PRWCX. PRWCX allocation chang…
    in PRWCX vs. ITRIX Comment by bee January 9
  • There is lot of new work by Blanchett (author of the linked paper in OP), Pfau, etc that suggests a mix of lifetime income (see what I just did?), income streams (Social Security, pension - if any) and portfolio withdrawals. They also have been fa…
  • Dec 21st Episode: First Eagle Global Fund’s Matthew McLennan is finding value in unexpected places and holding gold for stability in an uncertain world. https://wealthtrack.com/investing-in-a-high-risk-world/
  • Dec 12th Episode Warren Pierson, Co-Chief Investment Officer of Baird Advisors and portfolio manager of the top-rated Baird Aggregate Bond Fund, explains the newfound popularity of bonds. Dec 14th Episode: Great investor David Giroux has cut way…
  • interesting; Some of Google's rivals are producing chips with a larger number of qubits than Google, but Google is focused on making the most reliable qubits it can, Anthony Megrant, chief architect for Google Quantum AI, said in an interview.
  • Wonder if that might change the POG? Crypto would prefer that the POG stay as high as possible. crypto-plot-against-americas-gold-reserves/
  • Nov 23 Episode: Part 2 with Jason Zweig “The investor’s chief problem – and even his worst enemy – is likely to be himself.” – Benjamin Graham, The Intelligent Investor
  • I found this article interesting and thought it fit nicely into this thread: When a company is getting ready to pay a dividend, it announces in advance the date that it will be paid. That’s called the “payable date.” For logistical reasons, it sets …
  • Nov 16th Episode: On the publication of its 75th anniversary edition, The Intelligent Investor Editor Jason Zweig shares the timeless & still timely wisdom of what Warren Buffett calls “the best book on investing ever written.” ACTION POINT…
  • Yesterday, XLU (energy Utility companies) was one of the few "Green shoots" in the "Red Sea" of the Market. https://barchart.com/etfs-funds/quotes/XLU/overview Energy Sector and AI: utilities-backdoor-play-ai-trade
  • Nov 9 Episode: Part 2 - Veteran portfolio manager and strategist Bob Doll reflects on what’s changed and what still works in the rapidly changing markets of his forty-plus-year career. ONE INVESTMENT DOLL: QUALITY WITH A MOAT Financial tran…
  • The market is all about politics. Taxation, monetary policy, trade policy, the deficit: all matter a lot more than random quarterly results. The problem is predicting the future. Yes politics...politicians...they are very much the spoon that stirs …
  • interesting CC usage strategy: how-much-cash-back-can-you-earn-from-rotating-category-king-cards/
  • Retirement plans COLA adjustments for 2025: 2025-cost-living-adjustments-retirement-plans
  • @Observant1, I have also noticed "prepared food Tax" or "Meal tax"... as much as 12%. https://taxfoundation.org/blog/meal-taxes-prepared-food-restaurant/ Then there's often a variety of suggested tip amounts 18% - 22%. Now this CC 3% surcharge.…
  • Much like the CC transaction fee that the tax collector charges for using you CC to pay your taxes, more and more merchant are passing the CC transaction fee along in your bill. Many just add it after you hand them your credit card and neglect to m…
  • Nov 1 Episode: Bob Doll on investing in what he calls a “high risk, momentum-driven bull market.”
  • Food for Thought... @msf popcorn for thought @WABAC highlighted: Americans believe they need to save an average of $1.8 million for retirement @ a 4% SWR that $1.8M would provide $72K of income for spending. Seems like a reasonable retirement spend…
  • From @BaluBalu linked article: The late season strike of Hurricane Helene and Hurricane Milton in Florida could have caused ILS prices to return again to HARD market pricing seen in the first quarter of 2023. But like Ian in 2022, the hurricane trac…
  • @hank. Santa wrote back... five letters... COALX
  • from the memo: In my view, the thought process set forth in this memo leads to the conclusion that investors should increase their allocations in this area if they are (a) attracted by returns of 7-10% or so, (b) desirous of limiting uncertainty and…
  • Thanks @yogibearbull. I'd like to add (since I just turned 65): 2025 standard deduction over 65 There's an additional standard deduction for taxpayers 65 and older and those who are blind. For 2025 that additional amount is $1,600 ($2,000 if unma…
  • Trade will continue to evolve: supply-chain-latest-new-neutrals-and-geopolitics?srnd=homepage-americas
  • Part 2 with Christine Benz:
  • @msf, Interesting Chart. I do remember paying for college tuition with a part time job back in the 1980's... now college tuition equates to taking out a mortgage. I'd argue that "food away from home" has had a higher increase than the chart sugg…
  • Zero or low costs for all our meds too (Optum, Costco, CVS) The good news is that starting in 2025, drug costs will be capped at $2,000, so exposure isn't unlimited. I am learning (first year of Medicare) that there are payment phases with Part D. …