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Search: Posts Made By: willowbeezer
Forum: Hi, I am... 09-23-2008, 07:43 PM
Replies: 44
Views: 5,375
Posted By willowbeezer
thanks for everyone's perspective... Life...

thanks for everyone's perspective...

Life is a set of tradeoffs and hopefully, i can find the right balance between work/financial security and family. Its nice to know that I can make it with a...
Forum: FIRE and Money 09-22-2008, 10:42 PM
Replies: 22
Views: 5,138
Posted By willowbeezer
I know a professional trader beginning to invest...

I know a professional trader beginning to invest in hard assets. Real estate and gold. If you had a sizeable nest egg and are uncertain of the solvency of some of the financials (although perhaps...
Forum: Hi, I am... 09-18-2008, 09:41 PM
Replies: 44
Views: 5,375
Posted By willowbeezer
Dex... I concur, trading is not for...

Dex...

I concur, trading is not for everyone.. I was much too conservative and got stopped out of many trades. I was lucky with my swing trades early on then got really conservative, when I...
Forum: Hi, I am... 09-18-2008, 03:33 PM
Replies: 44
Views: 5,375
Posted By willowbeezer
Nuts - going back to work

Been out sick for 2mths with pneumonia, then job got eliminated while on leave. Fortunately, I was pretty close to FIRE and wanted to give it a shot. I'm 40 and have 3 kids (9,2, 6mo), paid off...
Forum: FIRE and Money 09-17-2008, 10:01 PM
Replies: 63
Views: 6,421
Posted By willowbeezer
essentially flat ytd. reallocated to 100% cash...

essentially flat ytd. reallocated to 100% cash in june/july and have been day trading / swing trading with mixed results.

have been up to 70% equities earlier in the year but got out of...
Forum: FIRE and Money 09-17-2008, 09:28 PM
Replies: 20
Views: 2,995
Posted By willowbeezer
great advice from the others. would suggest...

great advice from the others. would suggest selectively selling those assets that matches tax losses against gains in taxable account. with the market drubbing recently, I wouldn't be surprised if...
Forum: FIRE and Money 09-17-2008, 09:22 PM
Replies: 87
Views: 8,579
Posted By willowbeezer
My vote is : dead cat bounce tomorrow. then...

My vote is : dead cat bounce tomorrow. then roll over and die again...

In any rate, staying in cash for now and if the market rises and I miss the 1st 5-10% - so be it.
Forum: FIRE and Money 09-17-2008, 08:22 PM
Replies: 144
Views: 11,606
Posted By willowbeezer
Momentum is down on the indexes. we continue to...

Momentum is down on the indexes. we continue to get bad news from the financials / housing. Credit is tightening up increasing the cost of capital for financials and businesses. job market is...
Forum: FIRE and Money 07-18-2008, 09:41 PM
Replies: 120
Views: 9,451
Posted By willowbeezer
YTD through June +2%. Down 1% from Oct highs...

YTD through June +2%. Down 1% from Oct highs (can't complain). 1.8mm in liquid assets.

entered year with about 60% stocks, now about 15% and beginning to get bullish.

lucked out with 2...
Forum: Other topics 07-03-2008, 09:59 PM
Replies: 27
Views: 2,931
Posted By willowbeezer
I had my roof redone last month. Paid about 9k...

I had my roof redone last month. Paid about 9k for the architectural ashphalt shingles with ridge venting. Had to replace about 10 sheets of plywood.

I looked through Angie's List (i think...
Forum: Stock Picking and Market Strategy 05-17-2008, 02:16 PM
Replies: 31
Views: 5,703
Posted By willowbeezer
Look at the Canadian Royalty Income Trusts...

Look at the Canadian Royalty Income Trusts (Conroys). I have Advantage Energy (AAV) and it currently yields 11.5%. There are several Conroys, so do your research. The dividends are ordinary...
Forum: FIRE and Money 05-16-2008, 11:05 PM
Replies: 33
Views: 2,669
Posted By willowbeezer
I would put in 11 hr + 2hr of commute each day. ...

I would put in 11 hr + 2hr of commute each day. Then I typically work from 10pm to 1am after I put the kids to bed. Would also put in at least 5-10 hrs on the weekends.

I was constantly...
Forum: Stock Picking and Market Strategy 05-15-2008, 04:19 PM
Replies: 8
Views: 2,495
Posted By willowbeezer
Taxes are withheld in canada (i think its 15%),...

Taxes are withheld in canada (i think its 15%), but you get a foreign tax credit to offset dollar for dollar.

Most Conroys have "tax pools" or tax loss carryforwards for many many years beyond...
Forum: Stock Picking and Market Strategy 05-12-2008, 12:12 AM
Replies: 8
Views: 2,495
Posted By willowbeezer
Canadian Income Trusts

Any thoughts on these investments. I have $100+ in AAV (Advantage Energy). Dividend yield is 10%+. Stock moved from $9 to about $12 in the last month or so with the steep rise in Nat Gas. ...
Forum: Hi, I am... 05-10-2008, 09:20 PM
Replies: 16
Views: 2,967
Posted By willowbeezer
Papadad, thanks for you post and insights. ...

Papadad,

thanks for you post and insights. good to see others in the same situation and that I'm not alone facing this. In fact, I think that is the wonderful thing about this forum.

I...
Forum: Hi, I am... 05-09-2008, 11:02 PM
Replies: 16
Views: 2,967
Posted By willowbeezer
Rambler, I concur with a moral obligation...

Rambler,

I concur with a moral obligation to repay all debts... However, I think that there are exceptions.

the inlaws have paid their min payments for 10-odd years and the balance don't...
Forum: FIRE and Money 05-09-2008, 02:56 PM
Replies: 109
Views: 49,281
Posted By willowbeezer
The intent is to show net worth, income levels,...

The intent is to show net worth, income levels, consumption levels, investment details, education fund details, etc.. when she is ready to comprehend these things (she's only 9 right now). She knows...
Forum: Hi, I am... 05-09-2008, 02:41 PM
Replies: 16
Views: 2,967
Posted By willowbeezer
charlotte, great point. for now, I view...

charlotte,

great point. for now, I view this a very low risk. We've lent money to her in the past for a home purchase and she repaid on schedule (10k).

Now we're looking at $50k but am...
Forum: FIRE and Money 05-09-2008, 11:34 AM
Replies: 93
Views: 18,705
Posted By willowbeezer
My NW is 2.3mm. 0.1mm mortgage remaining at...

My NW is 2.3mm. 0.1mm mortgage remaining at 4.875 15yr fixed.

I have always paid extra against principle but have stopped and rationalized that I could earn more in CD's. So I locked in 100k...
Forum: Hi, I am... 05-09-2008, 09:19 AM
Replies: 16
Views: 2,967
Posted By willowbeezer
Socca, thanks for you input. Actually, our...

Socca, thanks for you input.

Actually, our only current debt is a $90k mortgage (at a 4.875% fixed rate for about 7 more years without any extra payments). We pay off our "cash back" cc in full...
Forum: FIRE and Money 05-08-2008, 04:11 PM
Replies: 109
Views: 49,281
Posted By willowbeezer
I believe that kids should have some idea of...

I believe that kids should have some idea of their parents financial situation.

I recently discovered that my parents are in a financial mess. We did not know since it was taboo to discuss...
Forum: Hi, I am... 05-08-2008, 03:51 PM
Replies: 16
Views: 2,967
Posted By willowbeezer
40 yr old - rethinking priorities in life

Hi to all - This seems to be a great place to share experiences and opinions vs relying solely on advice from fee based financial planners / wealth managers.

I just turned 40, married, 3 kids...
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