u/OoPieceOfKandi

As title says I (will*) have 4 FNCs around August, and around 1mil. Points. Looking for a romantic experience for my wife and I. We enjoy outdoor activities, a sense of adventure, don't mind a long travel day (s).

I have the aspire card and surpass cards.

My wife has never stayed at an all-inclusive resort before. We aren't super keen on Mexico unless it's a great deal. Caribbean is not much more appealing to us (we grew up in FL). We live on the west coast of the US so asia travel is accessible.

My wife really wants to go to Japan. We've never been to SE asia.

I would love to see more of Africa, Turkey or southeastern Europe.

While I have not experienced it, and sure I could be swayed, I'm not sure places like Bora Bora or Maldives are the right answer because they are *the* destination, and I think we would want something more than *just* an amazing hotel. I would have a hard time relaxing for 4+ days.

We would be open to mutli-leg trip, like a 4+1 followed by 4 FNCs.

Any suggestions on a location experience?

First time caller, long time listener.

​ I am 38. Looking at building a div income sleeve that I can access in about 10-14 years. All of this would be in a taxable account and probably never go beyond 5-7% of that acct in my overall portfolio.

​ Ingredion (INGR) popped up in my research for a long-term dividend portfolio. Current valuation looks reasonable: P/E around 10, P/B around 1.4, yield around 3.3%, payout ratio roughly 30%, and current ratio above 2.

​ Thesis: boring food-ingredient business, stable demand, specialty ingredients/margin improvement, dividend looks well-covered.

​ Bear case: commodity/input-cost exposure, low growth, and maybe cheap for a reason. Acquisition of Tate&Lyle is expensive (premium). I am a little concerned with worsening weather conditions like drought or water shortages, but, not sure what to do about that.

​ Per StockAnalysis:

Valuation Ratios

- The trailing PE ratio is 9.51 and the forward PE ratio is 8.73. ​

Ingredion's - PEG ratio is 0.81.

- PE Ratio 9.51

- Forward PE 8.73

- PS Ratio 0.88

- Forward PS 0.87

- PB Ratio 1.45

- P/TBV Ratio 2.03

- P/FCF Ratio 14.16

- P/OCF Ratio 7.06

- PEG Ratio 0.81

​ Other positions in this portfolio are vti, schd, pru. I opened a position in PRU in the mid/lowish 90s. Approaching 110 puts it out of my buy window so looking for other ideas that are not held in schd.

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