I am 60 years old,retired, have a retirement pension and income from dividends stocks, some mutual funds.
It's a little late in the day for me (60 years old) ....but trying to grow my dividend stock positions. Investing about 30 years, mostly with mutual fundsbut lowering my exposure. The last 4 years I have change my interest to dividend paying stocks.
Very conservitive investor.....preservation of capital
About 50% assets in traditional ira, 20% in roth ira, 30 individual money.
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Mon Jul25, 16 SPY Down
Mon. Jul18, 16 SPY Down Perf +.5% in 10 wks
Mon. Jul11, 16 SPY Down Perf +1.1% in 9 wks
Tue. July 5, 16 SPY Neutral Perf +2.4% In 8 wks
Mon. Jun27, 16 SPY Down Perf + 2.4% In 7 wks
Mon, Jun 20, 16 SPY Down Perf + 6.5% In 6 wks
Mon, Jun 13, 16 SPY Down Perf + 3.83% In 5 wks
Mon, Jun 6, 16 SPY Down Perf + 2.47% In 4 wks
Tue, May 31, 16 SPY Down Perf + 2.18% In 3 wks
Mon, May 23, 16 SPY Up Perf + 2.04% In 2 wks
Mon, May 16, 16 SPY Down Perf -0.26% 1st wk
When will long-term investors have any cash to deploy? If you believe in their mantra, most of them think people should be nearly fully invested nearly all of the time - it is rare to have a long term Buy and Hold investor to keep 30% in cash for buying opportunities. How much of a loss are you willing to suffer waiting for a recovery? 10%, 20%, 30%?
Do the numbers and see what kind of gain you will need to recoup to the break even point on several loss levels to get an idea of how long you may need to wait. For example a 30% loss requires a 43% gain to get back to the break even. A 20% loss takes a 25 % GAIN to get back to even.$100,000 - 20% = $80,000 . 80k X 25% = 20,000 +80k =100K
There are few assets like PM's that are liquid and have NO counterparty risk. If you know of any that perform that function please post it for all to see.
The fact of the matter is that some people ONLY save any money because of Precious Metals. If it were not for their gold and silver many would not have any money saved or invested. They would have Beanie babies or some other fad item. The people that I sell Silver Eagles to are much happier ten years later when they bought those coins made of PM's for their grandchildren (or whomever) when they find out the $8 - $12 bucks they spent is worth more than they paid.And the recipient learns a valuable lesson from it. There are good gifts and not so good gifts. Silver Eagles rank near the top of the list. Don't underestimate the power for people to develop good savings habits using PM's . It's fundamental.
Our welfare system is a huge drain on the economy .Those of us working for a living instead of voting for a living see huge holes in our paychecks every week.
As unfortunate as it is to know that cuts to foodstamps and welfare will likely cause a bit of suffering, it’s not the job of the government to forcibly remove money from the pockets of hard working Americans in order to take care of those who won’t work.
Granted, there are some people who genuinely need the help, and those folks get dragged into the mud with the abusers, which isn’t fair to them.
Now, just because the government shouldn’t be “helping” those in need, doesn’t mean we as Americans should forego kindness and charity. Quite the opposite. Americans are some of the most generous people on the planet, but unfortunately, that generosity gets quelled when the government is involved.Without the government in the way, regular every day individuals like you and me need to step up and start helping those who are in dire straits. That’s how this country used to be long before all of the social welfare programs, and it’s what made our nation so wonderful.
If the government insists on being “helpful,” they can start by reducing taxes and ridiculous regulations that overburden small business owners, which will free them up to expand their companies and hire new workers.
....................................................................................................................................................... Let's say 50 years ago, 1964, your grandfather bequeathed you an inheritance worth $1,000, which he put in a pretty box with your name on it. At this moment, you are about to open that box… Would you be happy to find his personal check dated 1964 made payable to you; would you rather find ten $100 Federal Reserve Notes; or would you prefer to find that thousand bucks in the form of 4,000 silver quarters, the steady constant value of 715 ounces of silver, with a current dollar number north of $12,500? Would your choice be the same if you were putting your wealth away today for an heir to receive in ten, twenty, or fifty years?
Financial contagion happens at both the international level and the domestic level. At the domestic level, usually the failure of a domestic bank or financial intermediary triggers transmission when it defaults on interbank liabilities and sells assets in a fire sale, thereby undermining confidence in similar banks. An example of this phenomenon is the subsequent turmoil in the United Statesfinancial markets. International financial contagion, which happens in both advanced economies and developing economies, is the transmission of financial crisis across financial markets for direct or indirect economies. However, under today's financial system, with large volume of cash flow, such as hedge fund and cross-regional operation of large banks, financial contagion usually happens simultaneously both among domestic institutions and across countries. The cause of financial contagion usually is beyond the explanation of real economy, such as the bilateral trade volume.
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Martin Vlcek is a full-time investor and analyst who has been actively investing and managing money for more than 15 years. Martin has an Economics degree. Martin’s investment philosophy is to hold a truly diversified portfolio of investments across asset classes with low or negative correlation and a positive carry if possible. His primary stock investment focus is on undervalued small-cap stocks with favorable risk-to-reward ratio and upcoming catalysts.
Martin became a full-time investor and money manager after a 15-year career in online marketing where he was one of the pioneers of the pay-per-click search. Martin later held managerial positions at several Fortune 500 companies and also managed his own startup company.
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carefully investing but more often investigating; have had 6 decades of remembered losses in both public markets and private placements. Still a board member of a nonprofit and still holding shares in companies seeded long ago but not yet having reached their investor exits. Trying to be thoughtful about investments and enjoying the experience. Becoming less current all the time, likely finding me to be a doddering old fuddy duddy for anyone reading what I post here.
Full time independent day-trader/swing-trader and money manager, starting this process in 2001. I continue to research and glean from others, in particular identifying the "doers", who have gone before me. I tip my hat to their many contributions, especially my father.
I conclude that I must be an optimist entrepreneur with analytical gifting. For now, I know what "Wall Street" represents, and non-random patterns repeat, everyday. Wall Street goes long and short in the "spread" they create. I'm only a follower. I use my proprietary systems/technical indicators to avoid resorting to tea leaves, typically.
I find the contraction/expansion component of supply-demand economics simply fascinating. Albert Einstein said,"nothing happens until something move's". Stock's "price" move daily, things are happening. I am an avid student of "algorithms/technical analysis". I like how an indicator in its innate simplicity can reveal price "moving", in it's three observable directions, up, sideways or down. My struggle, as a trader, is with the management of the conscious mind and its incessant wanting to hijack the 'process' of trading. Therefore, to counter this mutiny I have become an ardent "practitioner" of technical analysis systems, in conjunction with developing a "managed mindset" that trades process.
I day-trade and swing-trade, taking long or short positions, allowing the market to dictate its emphasis, not mine. I follow the technical more closely in the micro trade, yet, always coupled together with the fundamentals in micro and macro trading perspectives. Essentially, this is my style, today. Remember: I merry heart is good for all approaches to life and markets.
My academic background is Physics, worked in the oil industry for a large international oil services company in the early 1980's and then resigned to do an MBA. After a stint at a Venture Capital company, eventually ended up at one of the investments. Over the last 4 years have focussed on Biotech, essentially on de-risked buyout candidates as Big Pharma tries to re-invigorate their product pipelines. I also play what appear to be misunderstood and oversold situations, and although for the most part these have worked out to be very profitable there have been situations where I have gotten it wrong from a timing perspective.