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Messages - ADG

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1801
General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 04:02:33 PM »
I'm just helping him understand that if he wants to go down a certain road there are still right ways and wrong ways. I'm not against investing. I do it myself and I enjoy it. But it's a passion and I know that in order for me to beat the market I need to take on added risk primarily leverage. I also have multiple index funds which are very well and consistently funded.

I appreciate the advice...




Using a simple Time Value of Money equation your 15k at an average market return of 8% over 40 years would be $325,868. As the saying goes Think before you Swim.

Ill take that option!!! how do i do that?

1802
General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 03:23:30 PM »
thanks for your advice?

Because im doing this for a first time. Is there some place where i can go to double check my portfolio

1803
General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 03:17:09 PM »
whats TD?

1804
General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 03:12:19 PM »
Just to give you an example, my portfolio (mostly Roth money with a little Coverdell too) that I have invested based on Future Advisor's recommendations is sitting at a >9% return YTD, which has only been 4 months. Contrast that with the best performing of the major indices this year (S&P) at ~6.8% on the year. I'm paying no commissions or fees because of the ETF's they use.

Obviously this is a small (perhaps even tiny) sample size, and my investment horizon is extremely long, but it should give you some food for thought.

Did you set up your protfolio by your self ( meaning just with future advisor)?

1805
General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 03:04:54 PM »
I read other articals that are against index funds . with proof showing that the only make money on 10-20 days of the year. while loosing on all the other. so yes if you would look at the anual history it may have made money but you have to be in on all the bad days aswell ... The name of thwe aurther was rick edelman in "the lies about money" . He disproves mutual funds...

1806
Just Shmooze / Re: Kol Yisrael Areivim Insurance
« on: April 28, 2015, 02:54:47 PM »
Yes i donate.
Its important to point out this is not Life insurance.

1808
General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 02:40:29 PM »
I wouldnt do index funds... thats kind of like giving up... Its meant for ppl like me that dont know what they are doing. I may fall into the category but i wont let my money fall into it.
 
Does 15k justify hiring a firm to manage my money?
 

1809
General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 02:24:51 PM »
yes not everything on red. But i also find it pointless to lock up "little " amount even on "great" interest rates.

I am looking to make money but not put it on red. Looking for a risky but worth the risk kind of investment.

Thanks for your advice.
Sorry for my unprofessional terminology...:) 

1810
General Discussion / Re: Money Market Fund, Annuities, Etc
« on: April 28, 2015, 02:03:06 PM »
You're not going to find anything with a firm commitment to pay that kind of return. It's not realistic in a world were negative yields for sovereign debt are considered normal.

Roth accounts can be fantastic for many people. If you're paying little to none in the way of taxes now you theoretically could put money in at a 10% tax rate and then qualify for a non-refundable savers credit of 50% of your deposit up to $2,000 and that would refund any tax you paid.

You're making a mistake focusing on yield, a very perilous mistake. I can name you plenty of funds with high yields. But when there is a grab for yield you will by necessity be buying into lower quality assets. This would greatly increase the odds of a loss of principal. There are REITs that can yield over 10% and there are numerous commodity stocks that yield over 5% (thank to recent pullbacks). All carry significant investment risks though.

If you have a very long term (10-20 years) horizon the typical number thrown out these days is to expect 6-8% return over time.

From your situation it sounds like you may need the money in a few years. Others can opine what you should invest in. I would strongly suggest that you consider putting the money into a Roth due to the aforementioned Saver's credit which can provide a "return" of as much as 50% of your contributed capital. This capital can be withdrawn tax free and any returns can be withdrawn for qualified expenses (typically education, healthcare or first time housing).

You could probably also throw some money into an HSA if you're planning to use the money anyway for healthcare expenses and that would provide a tax deduction if you move into a higher tax bracket in the coming year.

Why is that true? Isnt it just the same on any risk vs. reward scale

any recommendation as to what to invest in through a roth acount?
 

1811
Destination Guides And Trip Planning / Re: South Florida Master Thread
« on: April 27, 2015, 11:27:37 AM »
Thanks for the info

1812
Just Shmooze / Re: The *OFFICIAL* UPS Thread
« on: April 26, 2015, 04:45:32 PM »
PSA The UPS Method is a prank that is meant to be a joke or the other way around. Dont be discouraged their is plenty of MS out there it just wont be as easy and dont forget to post it after you succeed...

1813
Destination Guides And Trip Planning / Re: South Florida Master Thread
« on: April 26, 2015, 03:02:53 PM »
I am looking for 10 bedrooms(could be to separate places in same neighborhood) from 25-29 of june near a shull . Any advice ( hold the sarcasm) is appreciated.   

1814
Looking for a villa in florida near a shul for june 25-29 . 10 bedroom min.
Prices are outrages on airbnb ect... any Ideas or leeds for a economic option?

Thanks

1815
Just Shmooze / Re: The funny/strange/interesting video thread...
« on: April 24, 2015, 05:12:16 PM »
was something removed on this page?
how inappropriate was it?

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