tag:blogger.com,1999:blog-5093516850393706942.post2966164370895021318..comments2024-03-27T00:32:56.636-07:00Comments on Asset-Grinder: I just constructed a $192,000 ETF income producting ETF portfolio for Grandma OlgaAsset-Grinderhttp://www.blogger.com/profile/10563675122942032357noreply@blogger.comBlogger11125tag:blogger.com,1999:blog-5093516850393706942.post-55400513984279899072015-12-22T00:43:46.345-08:002015-12-22T00:43:46.345-08:00can lam webbạn là người đam me kinh doanh.? bạn đa...<a href="http://htsolution.vn/tin-tuc/can-lam-web/m16.ht" rel="nofollow">can lam web</a>bạn là người đam me kinh doanh.? bạn đang cần cho mình một website chất lượng.? Yên tâm hãy đến với HTSolution mọi vấn đề của bạn đều được chúng tôi giải quyết hãy yên tâm đặt niềm tiên ở chúng tôi nhé. <a href="http://htsolution.vn/thiet-ke-web/thiet-ke-website-ban-ve-may-bay-online/33.ht" rel="nofollow">Thiết Kế Website Bán Vé Máy Bay Online</a>công ty hoặc tổ chức của bạn trên website vào bất cứ lúc nào và từ bất cứ nơi đâu, chỉ với một chiếc máy tính kết nối vào internet.<br /><a href="http://htsolution.vn/thiet-ke-web/thiet-ke-website-trang-tri-noi-that/32.ht" rel="nofollow">Thiết Kế Website Trang Trí Nội Thất</a>Với một môi trường internet năng động, bùng nổ, linh hoạt, Bạn dễ dàng thay đổi và cập nhật các thông tin lên website.<br /><a href="http://htsolution.vn/thiet-ke-web/website-ban-my-pham/30.ht" rel="nofollow">thiết kế website bán mỹ phẩm</a>à tất nhiên, nỗ lực làm thiết kế website để cung cấp những thông tin chất lượng cao của Bạn sẽ mang lại kết quả tốt đẹp.<br /><a href="http://htsolution.vn/thiet-ke-web/thiet-ke-website-gia-re-o-dau-tphcm/28.ht" rel="nofollow">Thiết Kế Website Giá Rẻ Ở Đâu TPHCM</a>Đã có rất nhiều doanh nghiệp, công ty hay cá nhân đã thành công nhờ vào việc biết khai thác những tiềm năng trên mạng Internet.<br /><a href="http://htsolution.vn/thiet-ke-web/thiet-ke-website-chuyen-phat-nhanh/52.ht" rel="nofollow">thiết kế website chuyển phát nhanh</a>Thiết kế web chuyển phát nhanh giá rẻ phục vụ cho những doanh nghiệp, cá nhân hoạt động trong lĩnh vực chuyển phát nhanh<br /><a href="http://htsolution.vn/thiet-ke-web/thiet-ke-website-cong-trinh-xay-dung/50.ht" rel="nofollow">thiết kế website công trình xây dựng</a>Mỗi doanh nghiệp đều cần quảng bá thương hiệu, sản phẩm và hình ảnh, đối với Khách hàng hoạt động kinh doanh trong lĩnh vực xây dựng công trình<br /><a href="http://htsolution.vn/thiet-ke-web/thiet-ke-website-khach-san/53.ht" rel="nofollow">thiết kế website khách sạn</a>Ngoài ra Quý khách có thể thêm một số chức năng cần thiết với công ty xây dựng của mình <a href="http://htsolution.vn/tin-tuc/nang-cap-va-chinh-sua-website/m9.ht" rel="nofollow">nâng cấp website</a>Bạn đang cần thiết kế website nhằm quảng bá cho doanh nghiệp, công ty hoặc cá nhân mình. <a href="http://htsolution.vn" rel="nofollow">cong ty thiet ke web</a>HTSolution là một công ty thiết kế website chuyên nghiệp cà chất lượng nhất, chúng tôi luôn đem đến cho các bạn những sản phẩm chất lượng và uy tiến hàng đầu <a href="http://htsolution.vn/thiet-ke-web/thiet-ke-website-chuyen-nghiep/26.ht" rel="nofollow">thiết kế website chuyên nghiệp</a>Xây dựng cơ sở dữ liệu dựa trên ý tưởng thiết kế <a href="http://htsolution.vn/dich-vu/thiet-ke-website.ht" rel="nofollow">nơi nào thiết kế website giá rẻ</a> Đưa ra cho quý khách những lựa chọn gói website và hosting tương ứng. Để Đáp ứng đủ nhu cầu của khách hàng, không gây sự lãng phí cũng như thiếu hụt tài nguyên website.thoitrangmimifrhttps://www.blogger.com/profile/15436182304834488706noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-89054695779775415272014-07-01T11:26:27.047-07:002014-07-01T11:26:27.047-07:00Can you explain to me what is a better option and ...Can you explain to me what is a better option and why?Asset-Grinderhttps://www.blogger.com/profile/10563675122942032357noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-27844637932024678692014-07-01T11:21:24.817-07:002014-07-01T11:21:24.817-07:00Why use ETF in this scenario? ETF are typically fo...Why use ETF in this scenario? ETF are typically for frequent trading. Just curious.Anonymoushttps://www.blogger.com/profile/14874584115777402696noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-41257697398484088332014-06-28T13:40:59.380-07:002014-06-28T13:40:59.380-07:00Thanks for droppin by Debs. I used your blog and a...Thanks for droppin by Debs. I used your blog and a couple others to base my plan of attack on my friends debt.Your site was very helpful and thank you for that! I went through my friends current debts and interest rates. We went through his expenses. We then set forward a plan to drastically cut down his expenses and set priority to certain debts like his overdraft bank account first followed by his credit cards. He was in denial of his debt so long that avoidance was his main way of dealing with it. I told him he had to fully commit or I wouldn't help him which thankfully he did.<br /><br />It was amazing on how much of a needless consumer he was. Monthly fees to so many services he didn't even use and top tier fees to everything he actually used. I am pushing him to start his own blog so he can self motivate and get some support but not sure if he up to that quite yet.<br /><br />Good Day and Grind On!Asset-Grinderhttps://www.blogger.com/profile/10563675122942032357noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-13691790708351542902014-06-28T09:31:09.264-07:002014-06-28T09:31:09.264-07:00Grandma Olga is lucky to have you do all of this f...Grandma Olga is lucky to have you do all of this for her. You are a great SIL! It sound quite reasonable especially given the size of her nest egg is on the smaller side. I'll be interested to know if she is able to lower her expenses like you are hoping. <br /><br />Thanks for showing your buddy my post the other day. I would love to see a write up on him. You are a great friend to help him as well. I would like to similarly counsel people on this type of thing, once I retire. Unfortunately between work and blogging and family commitments, I'm pretty full up but it is a goal and dream of mine. Speaking of family commitments, I have to sign off now to go to babysit my grandson. TTYL AG! Happy Canada Day!debt debshttps://www.blogger.com/profile/06166825965827672820noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-1433929812797371982014-06-26T17:34:19.952-07:002014-06-26T17:34:19.952-07:00 I was stressed out because it was a lot of work. ... I was stressed out because it was a lot of work. Past couple weeks I read up a lot about etf,s , Meetings with Olga trying to draw out her wants and needs.<br /><br />The problem is I take the task very seriously and I often tripe check all my numbers and picks. I as well love to crunch numbers, ratios, what ifs and most of all calculating yields and money projections. I do enjoy the work and I consider it quite the learning experience.<br /><br />Also recently I have been asked to help my friend get out of deep debt. It has also taken up quite a bit of time. He is a great guy but drowning in 3 maxed credit cards, 2 bank accounts in overdraft and a maxed out credit line plus his mortgage. Maybe I will make a post about him soon if there is interest.<br /><br />Thanks for droppin by WE. <br />Keep on crunching on and good day to you sir!Asset-Grinderhttps://www.blogger.com/profile/10563675122942032357noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-79737100730742305962014-06-26T15:52:53.990-07:002014-06-26T15:52:53.990-07:00Why were you so stressed? Because someone's ac...Why were you so stressed? Because someone's actual financial well-being was on the line (other than your own)? I personally enjoy running numbers, crunching numbers, running ratios, what-ifs, contingencies, etc. - so I hope you weren't stressed about that side of it!<br /><br />Familial brownie points are a nice thing to have, however if you were so stressed out about it I hope no one else in the family comes knocking on AG's door!<br /><br />Thanks for including all the specific math. That really gets us Wallet Engineers going!<br />WE#1Wallet Engineershttps://www.blogger.com/profile/04116295538595677882noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-89452295131579377312014-06-26T14:59:58.662-07:002014-06-26T14:59:58.662-07:00Thanks buddy.
Ultimately the best route to go wou...Thanks buddy.<br /><br />Ultimately the best route to go would have been lower cost index or select funds for capital appreciation but then we woul have to incur more capital gains out of the withdrawls and also it would require more management from me. At that point I could just in theory ditch all the funds and go into individual equities but then again my management would increase.<br /><br />Tough to find the right balance managing peoples wants and needs.<br /><br />See you on the yakezie boards!Asset-Grinderhttps://www.blogger.com/profile/10563675122942032357noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-57026716059847821112014-06-26T13:25:59.304-07:002014-06-26T13:25:59.304-07:00I think you've found a good balance of diversi...I think you've found a good balance of diversification and income for grandma Olga. You may not be a financial professional but I bet you could outperform most portfolio managers out there :) At her age capital preservation is more important than growth. <br /><br />I recently heard on the news that large institutional investors have lagged in performance compared to retail investors. Hedge funds, pension funds, and university endowment funds have only returned about 10% in 2013, while the average small investors in the U.S. who are mostly exposed to the stock market index, have done much better because the S&P500 returned 30%. But over the long run a more balanced approach like what the CPP IB is doing will create more wealth because managing a portfolio is about weighing the risks against the possible gains. Many retail investors are not properly diversified. <br /><br />Congrats on joining the challenge. Have fun in the forums, and good luck :) <br /> Liquid Independencehttps://www.blogger.com/profile/11691759486047111147noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-37206876167115296192014-06-26T08:24:45.829-07:002014-06-26T08:24:45.829-07:00The BMO US covered call etf is new this year. As f...The BMO US covered call etf is new this year. As far as ishares core series I like them at those low Mers. But they are basically index funds so Vanguard probably a better choice with even lower or matched rates really. When different but similar funds are between .10% diff in Mer they are often interchangeable and personal preference.<br /><br />Thanks for doppin by R2R!Asset-Grinderhttps://www.blogger.com/profile/10563675122942032357noreply@blogger.comtag:blogger.com,1999:blog-5093516850393706942.post-86810310914337250932014-06-26T07:17:56.371-07:002014-06-26T07:17:56.371-07:00Thats a very good mix of ETFs, Asset-Grinder. I am...Thats a very good mix of ETFs, Asset-Grinder. I am surprised that Grandma Olga wanted to go all equities - I wonder if its just a sign of the times considering the all-time highs in the market. I am glad you managed to convince her to go with a better allocation - the mix of 46% bonds and 54% equities looks well balanced. Good call on keeping about 2 years of expenses in cash as well. Im sure it wasnt easy building a portfolio for someone other than yourself. I get questions from some people asking for investing tips and I always try to warn them that I am no expert and they should do their own research.<br /><br />I like the ETF picks as well...I didnt know BMO had a US covered call ETF now and will have to take a look at that one. I was considering one of the covered call ETFs for my wife's portfolio. Did you have a look at the 'core' series of ETFs from iShares? What are your thoughts? I looked at them once briefly and wasnt sure what the 'core' really meant and seemed more like a marketing ploy.<br /><br />Looking forward to reading the monthly updates on this portfolio.<br /><br />regards<br />R2RRoadmap2Retirehttps://www.blogger.com/profile/14379818667071736766noreply@blogger.com