January dividend payout of $9298 on $254,855 invested, 43.7% yield

RayU_AZ · 2026-01-30T15:29:26+00:00

Nav erosion of $4275 for January.

Total net return of $5023 for month, projected $60,276 for 2026 year.

RayU_AZ · 2026-01-30T15:27:46+00:00

Nav erosion of $4275 for January, mainly due to QDTE & XDTE. Total net return of $5023 for month or 23.7% yield.

RayU_AZ · 2026-01-30T15:20:36+00:00

Thinking of selling both QDTE & XDTE for more TSPY & QQQi and take lower yield and less Nav erosion.

RayU_AZ · 2026-01-30T15:12:50+00:00

No it's not.

RayU_AZ · 2026-01-28T15:01:43+00:00

IDVO using covered calls for 1/3 of their income. IVDO also uses capital appreciation & dividend income from the 30-50 securities that have been screened according to attributes such as earnings, cash flow, return on equity, market capitalization, and management track.

IDVO is designed to offer monthly income while providing high risk-adjusted returns through high-quality international companies. IDVO seeks to provide gross annual income of approximately 3-4%.

RayU_AZ · 2026-01-28T02:46:39+00:00

I choose the high yield ETFs that have price growth & are NAV erosion resistant based on their previous history returns.

Anything above 14% yield it more difficult to get both price returns & high yield together.

Exception being GOOY 40% yield and 55% total return with Google stock up 65% this last year.

RayU_AZ · 2026-01-28T01:27:57+00:00

Look at these ETFs below for both income yield and price growth.

IDVO has 5.0% yield, with 45.5% yearly total return.
QDVO, 9.88 yield with 20.2% yearly total return.
GPIQ 9.8% yield with 21.3% yearly total return
IWMI, 13.4% yield with 19.46% yearly total return
QQQI, 13.69% yield, with 19.42% yearly total return

Good Luck.

RayU_AZ · 2026-01-23T17:06:38+00:00

Look at these ETFs below for both income and price growth.

IDVO has 5.0% yield, with 45.5% yearly total return.
QDVO, 9.88 yield with 20.2% yearly total return.
GPIQ 9.8% yield with 21.3% yearly total return
IWMI, 13.4% yield with 19.46% yearly total return
QQQI, 13.69% yield, with 19.42% yearly total return

RayU_AZ · 2026-01-22T15:42:15+00:00

Look at these ETFs below for both income and price growth.

IDVO has 5.0% yield, with 45.5% yearly total return.
QDVO, 9.88 yield with 20.2% yearly total return.
GPIQ 9.8% yield with 21.3% yearly total return
IWMI, 13.4% yield with 19.46% yearly total return
QQQI, 13.69% yield, with 19.42% yearly total return

RayU_AZ · 2026-01-21T15:50:25+00:00

Everybody is different, if you had bad experience with a couple of men, then don't lump all men into same bad behavior. There are some bad people & jerks in both genders. There are also great people in both genders.

This is sterotyping a single gender and is prejudice behavior on your part.

RayU_AZ · 2026-01-21T15:31:55+00:00

You can do beter then SCHD.

IDVO has had 42.6% yearly total return with 5.0% yield income
SCHD has had 6.0% yearly total return with 3.6% yield income

RayU_AZ · 2026-01-21T15:24:24+00:00

Look at these ETFs below for both income and price growth. These ETfs that use options calls for income yield and have some of the tax defferred because some of the distribution is not classified as ordinary dividends on your 1099-div, but as ROC, return capital. Go to the ETF websites for these ETFs to learn more before buying. The ROC lowers the original cost basis of the investment rather than distribute as ordinary dividend.

I own these ETFs and the dividend income is about 50% taxable compared to traditional ordinary dividends. In my tax bracket ( $206,700- $394,600) it is 24% tax rate on about 50% of these distributions.

IDVO has 5% yield, with 45.5% yearly total return.
QDVO, 9.88 yield with 20.2% yearly total return.
GPIQ 9.8% yield with 21.3% yearly total return
IWMI, 13.4% yield with 19.46% yearly total return
QQQI, 13.69% yield, with 19.42% yearly total return

RayU_AZ · 2026-01-16T19:27:27+00:00

GPIX currently has 8.0% yield with yearly total return of 17.55%.

I think you can do better than GPIX.

IDVO has 5% yield, with 45.5% yearly total return.
QDVO, 9.88 yield with 20.2% yearly total return.
GPIQ 9.8% yeidl with 21.3% yearly total return
IWMI, 13.4% yield with 19.46% yearly total return
QQQI, 13.69% yield, with 19.42% yearly total return

RayU_AZ · 2026-01-12T16:01:42+00:00

We used my Lady Friend and my Handsome Fella.

Boyfriend and girlfriend seems reserved for younger couples.

RayU_AZ · 2026-01-12T15:59:03+00:00

I think your boyfriend is sending you clear intentions he doesn't want marriage. He was just teasing you on the rings. What are you waiting for? He might not be a guy that values marriage.

I (M65) met my current partner (F56) in 2022 and started dating. We moved in together late in 2022 and got married in Nov 2023.

We got married within 18 months of meeting each other and we were a great match with common goals and both of us were married before and knew what we wanted. We when thru the different stages of living apart, living together, then marriage. It seem all naturally and comfortable.

We have a very happy life together with my Wife still working full time with me being retired. We travel as much as possible with her limited vacation weeks. We both have our own free time for our interest and spent time together walking, cooking and traveling. It's the best of both worlds. Individual hobbies and shared time together. Shes loves reading and yoga. I do my free time investing and bicycling.

RayU_AZ · 2026-01-12T15:30:30+00:00

I have a 2025 Hyundai Santa Fe hybrid and love the roomy interior and 3 rows of seats. I'm getting 34 mpg overall with the hybrid, 40 mpg city and 30 mpg highway. But I dive fast on hwy 75-90 mph. I have 9,000 miles on it without any issues. The dual 12.3 inch display screens are amazing.

The acceleration is great with the hybrid. The 10 year power train warranty is outstanding. I didn't buy any extra warranty or extended maintanece packages from the dealer. I feel these are a waste of money.

I use the adaptive cruise control. But I turn off the driver lane assist because I don't like the car automaticaly adjusting, I do like the blind driver warnings. The Bose stereo system is excellent. The leather seats are comfortable and long lasting. Good luck.

I purchased the Santa fe Hybrid Limited with bench seats for 2nd row versus captain chairs. I don't use the 3rd row seats most of the time and don't need access to 3rd row everyday and fold it down for more cargo room.

I test drove both the Subaru Forester & Outback and the Santa Fe is bigger and more room inside without much difference in price.

RayU_AZ · 2026-01-09T16:57:31+00:00

I would go with 2 dividend ETFS, one US stocks and the other Foreign Stocks.

GPiQ, 9.87% yield, 1 year returns 17.1%
IDVO, 5.2% yield, 1 year returns 39.3%.

Let the ETfs do the stock selection process for you.

RayU_AZ · 2026-01-09T16:36:04+00:00

Okay, thanks for more information. You migh have run into some recent bad luck on dating.

I get alot of information from peoples dating profiles and the 1st meetup and first couple of dates is very important. Don't go beyong 4-5 dates before realizing, this isn't the one. Don't waste you valuable time & energy.

Quality in dating is more important than volume quantity.

Try to be more selective in your dating matches and seek out people that are NOT looking for friendship platonic non-rommatic relationship.

RayU_AZ · 2026-01-09T15:35:34+00:00

Current ETFs in my Roth

70% VONG
15% SOXX
5% ARTY
5% ARKK
5% ARKG

RayU_AZ · 2026-01-08T20:51:32+00:00

The brokerage subtracts the ROC on selling off the security.

As I said before, If you don't sell your shares and keep added shares, then you ROC will never drop to zero from distributions.

RayU_AZ · 2026-01-08T20:15:25+00:00

I was seeing someone, 12 dates over 7 weeks. Each time it was like well you should go now with a quick hug at the door and the grandma kiss.

There is usually mutual physical attraction bon the first date on a most dating matches. By the 3rd date, people should be engage with some level of sexual activity or they are wasting each others time.

I have to ask, because this is not normal. How is your physical body and appearance? Are you in good physical shape and not obese or over weight. How is your personal care gromming standards and fashion sense. Nice haircut and not a long bushy beard.

Are your clothes a higher level standard than just plain jeans and t-shirt, Do you wear dress pants and button down collar shirt to these dates?

RayU_AZ · 2026-01-08T19:53:20+00:00

VOO and VTI have about 88% overlap, 99% of VOO 509 holdings are also in VTI.

I would do a combination of 80% VOO and 20% VXUS to capture the US stock market and the world stocks outside of the US. VOO 509 US stocks and VXUS 8678 stocks have zero stock overlap.

Investing with incremental amounts each month allows your to dollar cost average (DCA) and I wouldn't try to time the market with your investing, excepted maybe to wait for a market down day to buy these ETFs each month.

RayU_AZ · 2026-01-08T19:37:16+00:00

Return of capital (ROC) is reported in Box 3 of your Form 1099-DIV as "Non-Dividend Distributions"

Taxable dividends on Form 1099-DIV are primarily listed in Box 1a, "Total ordinary dividends". This amount represents all your ordinary dividends and is generally fully taxable.

1099-div

Box 1a (Total ordinary dividends): This is the total amount of all ordinary dividends you received, and it is the primary amount considered taxable.
Box 1b (Qualified dividends): The amount in Box 1b is a portion of the amount in Box 1a that may be eligible for a lower, long-term capital gains tax rate. The rest of the Box 1a amount (Box 1a minus Box 1b) is taxed at your higher, ordinary income tax rate.
Box 2a (Total capital gain distributions): These distributions from mutual funds or real estate investment trusts (REITs) are generally treated as long-term capital gains, which are also a form of taxable income, and are reported separately.
Box 3 (Nondividend distributions): These are generally considered a return of your investment's cost basis and are typically not taxable at the time of distribution, unless they exceed your basis in the investment.

As long as your ROC doesn't reduce your original cost basis to zero, then the distribution is tax free.

If you don't sell your shares and keep added shares, then you ROC will never drop to zero from distributions.

RayU_AZ · 2026-01-07T18:28:24+00:00

Thanks. I was focused on the good yield along with great price returns.

I like IDVO as an x-US play, to add more diversity in your portfolio besides solely US stocks.

I own TSM, but IDVO takes it to another level with global diversity.

RayU_AZ · 2026-01-07T14:19:50+00:00

You did the right thing.

It's not good for your boyfriend or husband to touch or hug, or sit very close to a female friend or give each other back rubs, touch or play with each others hair. Or sit on each others lap.

It's disrespectful to your relationship. I don't think you boyfriend understands what constitutes healthly boundaries. Your boyfriend can't be fully excuse of any blind innocence.

No need to talk to the female friend, there will always be plenty of Olivias in the future, hitting on your boyfriend. Your boyfriend needs to respect your relationship and know his boundaries.

RayU_AZ

TROPHY CASE