Search found 597 matches

by timid investor
Fri Mar 28, 2008 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Building the world's cleanest city
Replies: 6
Views: 2095

Strafe, I find your link interesting. Cdelena, the anti green lobby achieved that two threads about wind energy were locked. They wrote hot comments to oblige the adm. to lock the conversations. It's called rule by PC veto. Everyone has the right to not feel uncomforable about any subject at any ti...
by timid investor
Fri Mar 28, 2008 7:13 am
Forum: Investing - Theory, News & General
Topic: How often do you cange your bond/equity mix
Replies: 10
Views: 2427

100% equities does not require much tinkering.

I'll only consider bonds when my income stream changes significantly.
by timid investor
Fri Mar 28, 2008 7:10 am
Forum: Investing - Theory, News & General
Topic: How often do you look at your holdings?
Replies: 40
Views: 8657

I only check to look for suitable buying opportunities.
by timid investor
Fri Mar 28, 2008 7:00 am
Forum: Investing - Help with Personal Investments
Topic: "Socially Responsible" Funds
Replies: 36
Views: 7051

I just see it as an active mgmt marketing gimmick to distract from poorer returns.

Certainly using an emotional hook is more rational than arguing better returns vs indexing.
by timid investor
Fri Mar 28, 2008 6:17 am
Forum: Investing - Theory, News & General
Topic: How much would it cost to fix SS and Medicare right now?
Replies: 25
Views: 4557

A sure to be controversial solution ... Since nobody likes either higher taxes or less benefits, open up the immigration borders to get more taxpayers to fund our programs. I remember reading that our current immigration policy currently allows for investor and business owner classes where you simp...
by timid investor
Thu Mar 27, 2008 6:23 pm
Forum: Investing - Theory, News & General
Topic: Medicare Broke 2019
Replies: 56
Views: 9290

skywolf wrote:Social security is a giant ponzi scheme. It cannot continue in its present form.


Them's some dangerous words for this here PC reality challenged 'ahem' moderated forum. :beer
by timid investor
Thu Mar 27, 2008 9:02 am
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

The reality of a progressive future has brought us... Freedom of religion Women's rights Minority's rights Integrated schools/society Boy, I really hope for a regressive future from here... The economics are clearly not what the OP is about . Probably a bit political for Diehards. -Dave Yeah , it w...
by timid investor
Thu Mar 27, 2008 8:15 am
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

I saw the thread title "The reality of a progressive future" and thought--this being the Diehards investment forum, after all--that it might be something about how to reform our economic and business systems so that abuses like the ones now manifesting themselves can never happen again, o...
by timid investor
Thu Mar 27, 2008 7:16 am
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

Well, this kind of story certainly raises the hackles of those of us who work hard and save our money. You'd think the Council govt would require the teens and adults to work for their welfare check, as Fortnum Mason door greeters, or bell pullers in any one of the church belfries (think Quasimodo)...
by timid investor
Wed Mar 26, 2008 9:28 pm
Forum: Investing - Theory, News & General
Topic: Stocks Tarnished By 'Lost Decade'
Replies: 15
Views: 5208

nisiprius wrote:
It seems that a new market cannot begin until the last bull's heart has been broken, and typically it takes more than one crash to do the job.

--Maggie Mahar (2004), Bull!: A History of the Boom and Bust, 1982-2004


Don't look now but I think the bull market glimpses a matador. :shock:
by timid investor
Wed Mar 26, 2008 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

Wow. 32,000 pounds is about $65,000 per year. And they're unhappy with their subsidized house so want to apply for a (still subsidized) ten bedroom house. TEN bedrooms! This is a system with serious problems. Yes I fully agree with you. The only thing comforting is that the story originated in GB, ...
by timid investor
Wed Mar 26, 2008 8:54 pm
Forum: Investing - Theory, News & General
Topic: Stocks Tarnished By 'Lost Decade'
Replies: 15
Views: 5208

Re: Stocks Tarnished By 'Lost Decade'

Stocks Tarnished By 'Lost Decade' http://online.wsj.com/article/SB120649226977964203.html?mod=hpp_us_pageone Over the past 200 years, the stock market's steady upward march occasionally has been disrupted for long stretches, most recently during the Great Depression and the inflation-plagued 1970s....
by timid investor
Wed Mar 26, 2008 8:06 pm
Forum: Investing - Theory, News & General
Topic: Medicare Broke 2019
Replies: 56
Views: 9290

I don't think medicare is going away anytime soon.

Being a defacto medicare employee pretty much anyway it goes I'm going to come out smelling like roses.

This is by no means an accident , I figured this out 14 years ago as a personal solution to the problem.
by timid investor
Wed Mar 26, 2008 8:45 am
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

The ironic thing is that most "independent" folks on this forum are counting on government welfare (e.g. Social Security/Medicare) in their older years. As this thread demonstrates, condescension about taxpayer assistance does indeed seem to work best when it's limited to "what other...
by timid investor
Wed Mar 26, 2008 7:53 am
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

What do you think about significant (multigenerational) portions of the population completely living off of your taxes. What do I think? The same as I did 15 years ago. In 1993 there were 15 million Americans on welfare and most didn't need to be on it. It was rediculous. Today I believe the number...
by timid investor
Wed Mar 26, 2008 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Would you use a Vanguard Target Retirement fund?
Replies: 37
Views: 9711

No use for them, unless I were already retired.
by timid investor
Wed Mar 26, 2008 6:25 am
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

james22 wrote:
timid investor wrote:You believe a technologically perfect world is possible and all within 200 yrs?


I believe within 50.

Let's get back to the point of the story.
What do you think about significant (multigenerational) portions of the population completely living off of your taxes.
by timid investor
Tue Mar 25, 2008 9:21 pm
Forum: Investing - Theory, News & General
Topic: February existing home sales fell 23.8%..not up.
Replies: 9
Views: 2210

Random Musings wrote:But...... that nice lady on T.V. told me that housing prices double every ten years.......

They better have a discussion with Shiller.

RM

hmm I've seen many 100yr old homes.
not too sure about that one either
by timid investor
Tue Mar 25, 2008 9:12 pm
Forum: Investing - Theory, News & General
Topic: Not The America It Used To Be / $1000 Gold / Bubble Economy
Replies: 6
Views: 1907

jpsfranks wrote:
lasttoknow wrote:Diehards is full of forecasters forecasting that index funds are the place to be!


I also confidently forecast that Earth is the planet to live on.


Soon to be the moons of uranus, if AGW is correct. :mrgreen:
by timid investor
Tue Mar 25, 2008 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

If you imagine a future where reasonably complex AI/Expert Systems can handle farming, service jobs, most labor jobs, etc, you have pretty huge output with very few workers. The eventual answer in a technologically perfect world is 'all of them. 'I'm not really talking in the next 10 years, I'm try...
by timid investor
Tue Mar 25, 2008 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

I don't know if now is really the time, but eventually if we don't collapse as a civilization and automation and productivity continue to rise, there won't be need for any but the most motivated and skilled works to continue working if they don't want to. I think the inevitable long-term answer is ...
by timid investor
Tue Mar 25, 2008 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: The reality of a progressive future?
Replies: 39
Views: 6618

The reality of a progressive future?

Meet the families where no one's worked for THREE generations - and they don't care Known as the "Shameless" family among horrified neighbours, the McFaddens "boast" three generations of adults who are not working. All ten members of the clan share a council house and live off b...
by timid investor
Mon Mar 24, 2008 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: How much does everyone save for retirement?
Replies: 55
Views: 14530

I hope the sage comments of MossySF resonated with at least some of you (though I recognize that to much of consumption America, the comments aren't going to make much sense). I know I feel very fortunate that I realized early on how little a relationship between spending money and happiness there ...
by timid investor
Mon Mar 24, 2008 9:31 pm
Forum: Investing - Theory, News & General
Topic: Bear stearns today, what about insurance companies?
Replies: 2
Views: 1019

Bear stearns today, what about insurance companies?

Are they next, informed speculations please?
by timid investor
Mon Mar 24, 2008 9:06 pm
Forum: Investing - Theory, News & General
Topic: Another Reason to Hold Bonds
Replies: 47
Views: 10062

100% bonds... somebody needs to lay off the LSD :thumbsdown
by timid investor
Mon Mar 24, 2008 9:01 pm
Forum: Investing - Theory, News & General
Topic: Market timer's margin call
Replies: 283
Views: 67173

Just remember meeting a margin call is essentially buying higher, you just did it unknowingly in the past.
by timid investor
Mon Mar 24, 2008 8:47 pm
Forum: Investing - Theory, News & General
Topic: Do you regret saving too much when you were younger?
Replies: 70
Views: 17565

mlebuf wrote:You don't have to live a life of great depravity
Best wishes,
Michael


Yes , but I've found it much more fun :shock:
by timid investor
Mon Mar 24, 2008 8:42 pm
Forum: Investing - Theory, News & General
Topic: Do you calculate yearly annual returns for your portfolio?
Replies: 13
Views: 3085

I only calculate positive years, it's a self esteem issue. :lol:



No , seriously I plan to do so going foward especially after I get direct control of my pension fund assets. 8)
by timid investor
Mon Mar 24, 2008 8:34 pm
Forum: Investing - Theory, News & General
Topic: Ratio of value of home to net worth?
Replies: 23
Views: 5709

I don't own the home yet, chase finance does(well at least last month it did).
by timid investor
Mon Mar 24, 2008 8:26 pm
Forum: Investing - Theory, News & General
Topic: Fed could gain from $29B Bear Stearns investment
Replies: 14
Views: 2334

definition: quasi-governmental agency

1)If it loses money it's the taxpayers burden.
2) If it makes a profit it goes wholly to officers of member banks offshore accounts for further credit to:Emperors Club and it's affiliated entertainment specialist's. :sharebeer
by timid investor
Mon Mar 24, 2008 8:11 pm
Forum: Investing - Theory, News & General
Topic: How advisors *should* charge
Replies: 67
Views: 9815

Most investors will steer away from known charges only.

Uninformed investors will simply not be aware of the hidden and indirect charges affecting the portfolio.
by timid investor
Mon Mar 24, 2008 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Last hope in a weak economy? Mom and Dad
Replies: 21
Views: 4508

My son was fired from his position in his late 20s, which is a lot different than one in their 40s and 50s, but I would still use the same tactic. He had been fired about three months before he told us. He was near being broke. We helped him move from his home a couple of hundred miles away to retu...
by timid investor
Mon Mar 24, 2008 7:48 pm
Forum: Investing - Theory, News & General
Topic: They have my sympathy
Replies: 1
Views: 920

They have my sympathy

Many of those in the high-end foreclosure market were traditionally good borrowers with strong credit scores, unlike the profile of the typical subprime borrower. Still, the same gaffes occurred on the lending approval side, as people were given excessively high loans, based on the presumption that...
by timid investor
Sun Mar 23, 2008 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put excess funds in 401K or ROTH IRA?
Replies: 3
Views: 1272

Why not max both 401k and roth IRA?
by timid investor
Sun Mar 23, 2008 8:21 pm
Forum: Investing - Theory, News & General
Topic: Average Return these last 10 years
Replies: 24
Views: 4903

Re: oh well

I would have assumed that most people would have a tally of their % return year by year and could average them by hand pretty easily, but if not oh well. Yeah, that doesn't work well. If you have -20% and +20%, the compounded average is not 0. You'd go from 1000 to 800, to 960. I mean, it's not bad...
by timid investor
Sun Mar 23, 2008 8:02 pm
Forum: Investing - Theory, News & General
Topic: Where are all the great managers?
Replies: 26
Views: 4836

The only way these managers can hope to beat the broad market indexes is to value/small tilt, stray outside their benchmarks and make big sector/stock bets. This strategy entails more risk. There is no free lunch but the vast majority of investors don't know that. The managers get their fat fees re...
by timid investor
Sun Mar 23, 2008 7:23 pm
Forum: Investing - Theory, News & General
Topic: Would you buy your new home for cash instead of mortgage?
Replies: 31
Views: 5884

opportunity cost is expensive.
by timid investor
Sun Mar 23, 2008 7:16 pm
Forum: Investing - Theory, News & General
Topic: Market timer's margin call
Replies: 283
Views: 67173

In my experince anything over 165% of market is asking for trouble and you indeed will be forced to "market time" just to survive.

That being said I think market timer is on the right track.

But hey I'm the one 110% in emerging markets with no finance education except home econ in HS.
by timid investor
Sun Mar 23, 2008 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: How much does everyone save for retirement?
Replies: 55
Views: 14530

6% to get the 3% match. Maybe I am young and naive, but I don't see the reason to have to scrounge for most of your life just to have millions upon millions at retirement. It seems that with decent salary (say 80k/yr) one would accumulate a significant amount with the standard 6/3 match at retireme...
by timid investor
Sun Mar 23, 2008 12:31 pm
Forum: Investing - Theory, News & General
Topic: Sleeping better. It's calmer during the day, too!
Replies: 8
Views: 2581

It's a painful lesson to learn because it's about the only endeavor I can think of where putting forth time, effort and taking action(entrepreneurship) is not rewarded but punished.
by timid investor
Sun Mar 23, 2008 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Disaster preparedness
Replies: 34
Views: 6960

I guess there are advantages to being butt ugly and smelly :lol: Oh, that was clever. The facts are that 26,000 people were sheltered in the Superdome. There were six deaths. Four of natural causes, one drug overdose and one suicide. Many thousands more were at the convention center. There were fou...
by timid investor
Sun Mar 23, 2008 10:39 am
Forum: Investing - Theory, News & General
Topic: Market timer's margin call
Replies: 283
Views: 67173

Psteinx and Jay, An investor using tax loss harvesting can improve on the ERP. In my case, I estimate the benefit of tax loss harvesting as comparable to receiving a free at-the-money put of a long duration with every purchase of 3-4 shares of equity. This is due to cap losses offsetting ordinary i...
by timid investor
Sun Mar 23, 2008 10:09 am
Forum: Investing - Theory, News & General
Topic: On the need for Regulation in the US Economy
Replies: 22
Views: 4472

Fantumzone wrote:Would the current crisis been prevented if Glass-Steagall had not been repealed ?
I thought the current crisis was due to 1)Excess liquidity by fed and 2) Derivatives


It doesn't matter goverment regulation is always about fighting the previous war not the next one.
by timid investor
Sun Mar 23, 2008 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Disaster preparedness
Replies: 34
Views: 6960

Valuethinker wrote: There were a lot of stories of rapes, doubtless some did occur. But given how hopeless and inept the authorities were, and the numbers involved, that isn't a huge number.

I guess there are advantages to being butt ugly and smelly :lol:
by timid investor
Sun Mar 23, 2008 9:36 am
Forum: Investing - Theory, News & General
Topic: On the need for Regulation in the US Economy
Replies: 22
Views: 4472

Re: Well

From the votes so far, people suggest that the SEC should be the ones to do the work. And by all the comments that I have read in the press, it seems pretty well agreed that the SEC is not really doing anything at this time. We read of Bernanke in the Fed and Barney Frank in the Congress. But we ar...
by timid investor
Sun Mar 23, 2008 9:32 am
Forum: Investing - Theory, News & General
Topic: Wow, Bear Stearns goes for only $2 per share, and in stock
Replies: 64
Views: 12791

Why do we care, BS was soo last week?
by timid investor
Sun Mar 23, 2008 9:26 am
Forum: Investing - Theory, News & General
Topic: On the need for Regulation in the US Economy
Replies: 22
Views: 4472

You mean they don't regulate it already. :shock:

I'm afraid the actual solution will be much worse than the imaginary problem.

The aproach of govt fairness is if one person doesn't like it , tinker with it til nobody likes it.
by timid investor
Sun Mar 23, 2008 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Disaster preparedness
Replies: 34
Views: 6960

blood_donor wrote:I think a prudent thing to do is to own a case or three of MREs just in case. I have 2 cases sitting in the basement, which I hope to never need to eat, but it makes me feel warm and fuzzy that they are there.


MRE's are gourmet compared to C-rations, I was really impressed with the changes.
by timid investor
Sun Mar 23, 2008 12:19 am
Forum: Investing - Help with Personal Investments
Topic: How much does everyone save for retirement?
Replies: 55
Views: 14530

I'm not saving anything, that's da gubbermints responsibility :wink:
by timid investor
Sun Mar 23, 2008 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Emerging markets help
Replies: 16
Views: 3303

I'm sorry I made an implicit assumption and attributed it to the study,. That being, one would not readily reduce leverage on down market days. I think consistently unwinding leverage, locking in losses is a bit much to ask from even the best of discretionary traders regardless of intentions. IOW, I...

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