Tax Time & Earnings Season

For all the procrastinators out there the deadline is near.  In fact, this year I was one – completing mine yesterday.  This season brings to mind some of the best practices compiled to minimize – or delay – the tax hit, thereby maximizing disposable income published by the Dividend Diplomats.  Though geared towards wage earners, I can be considered a poster child of these practices as one migrates from the accumulation phase of investing.  Over the years the use of many of these strategies have resulted in continued savings well into retirement.  Case in point being a 2017 Federal effective tax rate of  8.04% on a six figure Adjusted Gross Income ($156 of which was earned income).  Take advantage of all of the breaks provided in life as early as possible to reap the rewards (true in investing as well).

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Rolling Unabridged Update #2

The second month of the Rolling Unabridged Monthly Portfolio (RUMP) is in the books with the results posted a few days ago.  A few were added, a couple removed and one renamed (Mr Free at 33).  No major surprises revealed themselves while the update cycle settled into the 6-9 month desired lag.  Following are the highlights, findings, questions and issues identified round.

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Rolling Unabridged Monthly Portfolio

It seems that at times I seem to be a little late to the party. In late 2013, I stumbled across investment blogs and the DGI community in particular. With a knowledge of databases, I began to enter blogs I encountered into a table followed shortly thereafter by their holdings in another table. Obviously Ferdi (DivGro) had a similar thought as in February 2014 he presented the initial Blogger’s Portfolio. Initially 31 stocks within 20 portfolios, it was subsequently expanded to its’ current form of 60 companies within 43 portfolios.

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Crisis Management

Not to belabor a beaten down topic, but as we all know the story – and in many instances rehashed – versions of the Kinder Morgan fiasco and the subsequent fallout.  A perspective I haven’t seen addressed is human nature.  In a previous life, a role I held was to design and create contingency plans for telecom networks  – and subsequently data centers – in the event of a major outage.  The obvious corollary being a massive dividend cut (i.e., catastrophic failure).

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Happy Anniversary!

One year ago marked my first post to this blog.  Along the way I’ve made new friends, shared ideas,  and debated strategy (mostly on Seeking Alpha).  And for this I thank you.

On occasion I run across posts that either beg for a rebuttal or leave me thinking.  This week had three blogs; Dividend Diplomats, Div4Son and Roadmap2Retire filling the bill. Continue reading