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Forum: FIRE and Money 11-15-2021, 09:46 AM
Replies: 93
Views: 6,492
Posted By capjak
Wow, better than the S&P 500 etf ITOT which is up...

Wow, better than the S&P 500 etf ITOT which is up 25% this year thus far so

you made more than $450,000 after fees on your 1.8 million this year alone.

Congrats

If they can show you their...
Forum: FIRE and Money 09-17-2021, 11:31 AM
Replies: 126
Views: 7,352
Posted By capjak
My mom spent 6 years in assisted living and 6...

My mom spent 6 years in assisted living and 6 months in nursing home that made me look into LTCi. The biggest risk is going in at a young age or needing nursing care for a long time.
Forum: FIRE and Money 09-17-2021, 11:30 AM
Replies: 126
Views: 7,352
Posted By capjak
I purchased a One America Policy with accelerator...

I purchased a One America Policy with accelerator and 3% inflation rider. I think the 20 year pay vs everything upfront may be good for flexibility as if things change (for example: government...
Forum: Active Investing, Market Strategies & Alternative Assets 08-03-2021, 03:56 PM
Replies: 12
Views: 1,827
Posted By capjak
I did not look at each fund in detail but ...

I did not look at each fund in detail but

1. You are tilted heavily toward tech
2. Guessing that the three funds selected overlap on several companies (i.e. duplicate)

VTSAX contains all...
Forum: FIRE and Money 08-03-2021, 03:36 PM
Replies: 60
Views: 4,889
Posted By capjak
If it's a good dining place absolutely we go. ...

If it's a good dining place absolutely we go.

Dinner and Entertainment for free......

Disclaimer: We are professional Plate Lickers.........
Forum: FIRE and Money 07-19-2021, 09:48 AM
Replies: 43
Views: 5,671
Posted By capjak
Some follow this general guide (Variable...

Some follow this general guide (Variable Withdrawal Rate), you will not run out of $$$ prior to expiring, however you may underspend or have to cut back in years the market decreases...
Forum: FIRE and Money 04-20-2021, 06:38 AM
Replies: 21
Views: 1,919
Posted By capjak
1. Yes Do the plan and disclose, I have done...

1. Yes Do the plan and disclose, I have done this several times over the years, it can give things to ponder (you do not need to follow the advice but you should fully investigate it either way)
...
Forum: FIRE and Money 04-16-2021, 04:27 PM
Replies: 82
Views: 9,877
Posted By capjak
I kind of like the VPW model which insures you do...

I kind of like the VPW model which insures you do not ever run out of money but you may have some swings in amount you can spend each year.
...
Forum: FIRE and Money 04-14-2021, 01:14 PM
Replies: 20
Views: 1,899
Posted By capjak
VTI (US Stock) VXUS (Non US Stock) or ...

VTI (US Stock)
VXUS (Non US Stock)

or

VT Vanguard Total World Stock Index Fund ETF
Forum: FIRE and Money 04-08-2021, 03:49 PM
Replies: 14
Views: 2,629
Posted By capjak
I have 3 MYGAs (Deferred Fixed Annuity) purchased...

I have 3 MYGAs (Deferred Fixed Annuity) purchased in last 6 months from Stan the Annuity Man.

5 year from Mut. of Omaha 2.65%
5 Year from Americo 3.05%
7 Year from Midland Life 3.5%

2 ...
Forum: Technology, Media & e-Gadgets 03-25-2021, 06:25 PM
Replies: 3,169
Views: 240,680
Posted By capjak
We lived in Silicon Valley in the 80s and 1 of us...

We lived in Silicon Valley in the 80s and 1 of us was an engineer the other in biotech. Those were some exciting times and that series captures it well.
Forum: FIRE and Money 03-25-2021, 07:02 AM
Replies: 23
Views: 2,743
Posted By capjak
MYGAs/Fixed Annuity/Defferred Annuity/SPIA are...

MYGAs/Fixed Annuity/Defferred Annuity/SPIA are all good products if they meet your need and have typically have no fees (fee baked into the interest rate/return, just like a CD but without the FDIC...
Forum: Active Investing, Market Strategies & Alternative Assets 03-16-2021, 08:41 AM
Replies: 539
Views: 63,824
Posted By capjak
Am I missing something why would someone pay...

Am I missing something why would someone pay 25.75 for AILLL today?
Forum: Active Investing, Market Strategies & Alternative Assets 03-15-2021, 12:40 PM
Replies: 539
Views: 63,824
Posted By capjak
Friday after the market was closed so no...

Friday after the market was closed so no opportunity to get out.
Forum: Active Investing, Market Strategies & Alternative Assets 03-13-2021, 12:02 PM
Replies: 539
Views: 63,824
Posted By capjak
Sock drawer is getting a lot smaller.....2500...

Sock drawer is getting a lot smaller.....2500 shares....

My cost basis is 1000 at $26 and 1525 at $26.25

Held since 2015.
Forum: Active Investing, Market Strategies & Alternative Assets 03-13-2021, 08:50 AM
Replies: 539
Views: 63,824
Posted By capjak
This is the email alert I got: Fixed Income...

This is the email alert I got:

Fixed Income Full Call Alert

Fidelity Investments.



Legal Information
Forum: Active Investing, Market Strategies & Alternative Assets 03-12-2021, 06:48 PM
Replies: 539
Views: 63,824
Posted By capjak
Fidelity Alert that AILLL is part of a Full...

Fidelity Alert that AILLL is part of a Full Call......

Not happy........
Forum: FIRE and Money 03-12-2021, 03:34 PM
Replies: 20
Views: 1,389
Posted By capjak
My portfolio asset allocation is based on all my...

My portfolio asset allocation is based on all my funds (taxable/tax deferred and tax free). I can not tell from your post if this is specific for tax deferred only or your entire portfolio. IMO...
Forum: COVID-19 | Containment Area 03-12-2021, 03:28 PM
Replies: 66
Views: 2,904
Posted By capjak
As someone that has developed serology tests for...

As someone that has developed serology tests for a long time.....

typically the immune system takes 14 days to illicit measurable IgG and/or IgM antibody and can hang around at a measurable level...
Forum: FIRE and Money 03-11-2021, 04:43 PM
Replies: 81
Views: 6,638
Posted By capjak
I think of the pension as a bond replacement of...

I think of the pension as a bond replacement of sorts, and therefore it allows a person to be a little more aggressive if they want to with the rest of their assets. In addition it keeps some people...
Forum: FIRE and Money 03-10-2021, 11:41 AM
Replies: 75
Views: 5,133
Posted By capjak
Get a new car, with the new safety features. If...

Get a new car, with the new safety features. If it saves you or some else their life it will pay for itself.

Dump the old one...not needed.....why pay the insurance/upkeep.
Forum: FIRE and Money 03-06-2021, 04:40 PM
Replies: 22
Views: 1,177
Posted By capjak
I wouldn't let taxes keep me from my asset...

I wouldn't let taxes keep me from my asset allocation. I would put Bonds in taxable if that is what your investment plan asset allocation would require. Right now the taxes on even taxable Bond...
Forum: FIRE and Money 02-07-2021, 10:59 AM
Replies: 7
Views: 601
Posted By capjak
I have 3 MYGAs with other companies and if that...

I have 3 MYGAs with other companies and if that is the product you are looking at especially only a 3 year period than I would be comfortable using them.
Forum: FIRE and Money 01-18-2021, 08:02 AM
Replies: 14
Views: 1,330
Posted By capjak
What is your asset to annual expense ratio? ...

What is your asset to annual expense ratio?

>25? >33? >50?

IF you have a portfolio that is 50x your annual expenses or greater sequence of return is probably not an issue if you are at 25...
Forum: FIRE and Money 01-11-2021, 10:30 AM
Replies: 48
Views: 6,480
Posted By capjak
If you have 100x expenses than I guess it doesn't...

If you have 100x expenses than I guess it doesn't matter what you do.

But a strategy may be to purchase deferred or immediate annuity to purchase a baseline income that meets most of your...
Showing results 1 to 25 of 645

 
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