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Search: Posts Made By: pfleming
Forum: Health and Early Retirement 06-07-2012, 08:25 AM
Replies: 17
Views: 2,443
Posted By pfleming
I've kind of gotten here with my FT position. I...

I've kind of gotten here with my FT position. I was feeling pretty good about the job, but this week the funk is back. I prefer to work when no one else is around, crank up the radio/mp3 player and...
Forum: FIRE and Money 04-28-2012, 08:46 AM
Replies: 34
Views: 4,445
Posted By pfleming
The Savings and Loan crash was precipitated by...

The Savings and Loan crash was precipitated by changing the rules on what an S&L could do.

The breakdown of the financial industry was precipitated by reducing or eliminating the restrictions on...
Forum: FIRE and Money 04-06-2012, 09:13 AM
Replies: 3
Views: 2,952
Posted By pfleming
Ducky911 is pretty close and I'm assuming the S...

Ducky911 is pretty close and I'm assuming the S corp sale referenced was for no "gain". The question is do you have a gain or did you sell your percentage at no gain (other than previously taxed...
Forum: Other topics 04-04-2012, 07:24 AM
Replies: 21
Views: 1,974
Posted By pfleming
I have done my own from day one. My oldest...

I have done my own from day one. My oldest daughter's return I did while she was younger and only had investment investment income. I also did her first W-2 return. Of course, she became unemployed...
Forum: Active Investing, Market Strategies & Alternative Assets 04-03-2012, 10:04 PM
Replies: 21
Views: 6,003
Posted By pfleming
You stated that you have a fairly hefty amount of...

You stated that you have a fairly hefty amount of assets. Are they throwing off taxable, tax free or deferred tax income? Are you going to hold the agency REITs in taxable, non-taxable or tax...
Forum: Active Investing, Market Strategies & Alternative Assets 04-03-2012, 07:35 AM
Replies: 21
Views: 6,003
Posted By pfleming
The interest on this loan, if you use the...

The interest on this loan, if you use the interest tracing rules to apply it to investment interest, is deductible up to the amount of ordinary investment income you receive. The maximum equity debt...
Forum: Hi, I am... 04-02-2012, 07:21 PM
Replies: 16
Views: 4,861
Posted By pfleming
Hmm. Although I use the terms system and timing...

Hmm. Although I use the terms system and timing it really is a macro view. I'm not against DCA, in fact I think that's the best way to accumulate. The investment method, or what to invest in, is...
Forum: Hi, I am... 04-02-2012, 12:52 PM
Replies: 16
Views: 4,861
Posted By pfleming
Actually I was talking about two different...

Actually I was talking about two different things. Real estate would be in a family partnership if I were to do it "big". The macro market timing applies to investments held within an IRA or other...
Forum: Hi, I am... 04-02-2012, 08:05 AM
Replies: 16
Views: 4,861
Posted By pfleming
No more feedback? I was hoping to get a bit more...

No more feedback? I was hoping to get a bit more discussion on this investment timing plan.
Forum: Other topics 03-27-2012, 07:07 AM
Replies: 15
Views: 2,096
Posted By pfleming
That's one recursive acronym I hadn't seen before...

That's one recursive acronym I hadn't seen before and I'm familiar with quite a few. I like png for its lossless quality but wonder how popular it really will become over time since GIF is now patent...
Forum: Other topics 03-26-2012, 10:01 PM
Replies: 15
Views: 2,096
Posted By pfleming
Huh. I thought is stood for Portable Network...

Huh. I thought is stood for Portable Network Graphic(s) (https://www.libpng.org/pub/png/)
Forum: Active Investing, Market Strategies & Alternative Assets 03-25-2012, 10:15 AM
Replies: 29
Views: 3,887
Posted By pfleming
This is probably the best explanation I have read...

This is probably the best explanation I have read regarding why bonds behave the way they do inversely to the rate.
Forum: Young Dreamers 03-22-2012, 08:05 PM
Replies: 6
Views: 1,928
Posted By pfleming
I find it cool that you are looking far enough...

I find it cool that you are looking far enough ahead that you know when you can retire.
Why do you state that you will have a 13 year gap? Is there some kind of restriction on your accounts other...
Forum: FIRE and Money 03-22-2012, 07:47 PM
Replies: 17
Views: 2,529
Posted By pfleming
Bond basis moves inverse to the interest rate. If...

Bond basis moves inverse to the interest rate. If you are concerned with loss of basis perhaps individual bonds held to maturity using bond ladders might be a better? I may be blurring the...
Forum: FIRE and Money 03-21-2012, 08:57 PM
Replies: 37
Views: 151,449
Posted By pfleming
Some of the tax exempt part of this comes from...

Some of the tax exempt part of this comes from the fact that "someone else" is paying the premiums. I can't speak to exactly what his approach was, but the Crummey Trust (think I spelled that right)...
Forum: Hi, I am... 03-21-2012, 08:40 PM
Replies: 16
Views: 4,861
Posted By pfleming
My personal back-testing (for years with...

My personal back-testing (for years with consistent data) shows:
3/1997 - 8/1998: 30.14%
8/1998 - 7/1999: -4.15% (the only losing period before investment change)
7/1999 - 6/2000: 10.26%
6/2000 -...
Forum: Hi, I am... 03-21-2012, 08:12 PM
Replies: 16
Views: 4,861
Posted By pfleming
I thought I had read about that. That doesn't...

I thought I had read about that. That doesn't invalidate the research that I've personally done in regards to returns based upon that specific part of his "preachings". Wade Cook is serving time for...
Forum: Hi, I am... 03-21-2012, 07:24 AM
Replies: 16
Views: 4,861
Posted By pfleming
CMH I do have a plan that is in the very early...

CMH I do have a plan that is in the very early stages of thought. There are some super deals out there right now, it's just a matter of building up the cash needed. At some point I would probably...
Forum: Hi, I am... 03-20-2012, 07:07 AM
Replies: 16
Views: 4,861
Posted By pfleming
I had a rental quite some time ago that I did...

I had a rental quite some time ago that I did manage myself. Interestingly, it was in an area where the real estate agents would actually show it, but not manage or collect a fee for getting it...
Forum: FIRE and Money 03-19-2012, 05:35 PM
Replies: 37
Views: 151,449
Posted By pfleming
Life insurance done how most people do it will be...

Life insurance done how most people do it will be added to your estate upon death. If your estate is large enough to worry about estate taxes, setting up a life insurance trust can move the proceeds...
Forum: FIRE and Money 03-19-2012, 05:10 PM
Replies: 43
Views: 4,377
Posted By pfleming
What? I'm sure that makes tbone a trader - not a...

What? I'm sure that makes tbone a trader - not a day trader. Cause if tbone's not a trader, I'm not a trader and I thought I was :)
Forum: FIRE and Money 03-18-2012, 11:45 AM
Replies: 43
Views: 4,377
Posted By pfleming
I haven't had to think about this particular...

I haven't had to think about this particular issue for myself since my assets are pretty much confined to my IRA. Does your tax software allow you to import your transactions in csv/text format? I...
Forum: FIRE and Money 03-18-2012, 09:16 AM
Replies: 43
Views: 4,377
Posted By pfleming
I had to look back at some old statements...

I had to look back at some old statements (currently trade options in my IRA so no 1099-B) and I can confirm that at least in 2001 and 2002 I had to use my statements, not the 1099-B, for my options...
Forum: FIRE and Money 03-18-2012, 08:36 AM
Replies: 43
Views: 4,377
Posted By pfleming
@utrecht your broker should give you the option...

@utrecht your broker should give you the option to export to csv or excel. TDAmeritrade has the option to directly export the current year trades into HRB or Turbo Tax online. I'm thinking that most...
Forum: Other topics 03-12-2012, 06:00 PM
Replies: 24
Views: 2,537
Posted By pfleming
Trust Fund Penalties are always personal...

Trust Fund Penalties are always personal liability. No corporate shield. The only way to not have personal liability is to not have had anything to do with payroll, but a director may have a hard...
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