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  • GlaxoSmithKline Is Moving Forward After Woeful Performance [View article]
    I just want to point out the ethnic of the company.
    It was accused by an insider for a big corruption situation in China in an email.
    The company hire an investigator but did not disclose to him what that email said.
    After the investigator finished his report he found out about the email.
    Then he said as far as he can tell what the email said was true.
    5 top executive in China are under house arrest and not allowed to leave the country.
    Jul 8 10:31 PM | Likes Like |Link to Comment
  • Getting The Returns Without The Risk [View article]
    usually very few people use 10 year ladder and 10 year cd is not common.
    The reason for using ladder is to have cash every year and usually it is 5 to 7 years because stock market usually recover within 7 years
    Jul 8 10:07 PM | Likes Like |Link to Comment
  • Getting The Returns Without The Risk [View article]
    Most people I know of including myself use laddering CD which is risk free and very easy to do in any stock accounts. It is better than treasuries for 1 to 7. It is a lot more difficult to do with corporate bonds. Muni is between treasury and corporate bonds and may be a good alternative for those who live in high tax states.
    Jul 8 04:29 PM | 1 Like Like |Link to Comment
  • A Recession, Under-Reported Inflation And A Run On Gold [View article]
    "If you deflate the nominal GDP by 3%, then you get a much larger drop in GDP growth, about a 6% drop"

    Well If I use the same logic the US would have been in a long recession since 2007 and never get out.
    Jul 5 04:27 PM | 4 Likes Like |Link to Comment
  • Correction 2014: Are You Prepared? [View article]
    The author may very well be right this time. But I just want to point out he has similar position on hedging as far back as in January 2012. It is always hedging and hedging against the bull market since his first article.
    Jul 5 04:24 PM | Likes Like |Link to Comment
  • A Recession, Under-Reported Inflation And A Run On Gold [View article]
    This author and their group have being saying the same thing to buy GOLD at the time including when gold was at its high. How well have you been doing if bought gold at 1900 and see it drop to the low and now at 1300? While the SPY is up over 40% during that time.
    Jul 5 04:13 PM | 6 Likes Like |Link to Comment
  • McDonald's: Should Investors Be Worried [View article]
    I can tell you for sure none of my grand sons want McDonald. They want in and out.
    Jul 3 12:06 AM | 2 Likes Like |Link to Comment
  • John Hussman: The Delusion Of Perpetual Motion [View article]
    I highly recommend all to read the book Clash of the financial pundits. It covers a lot of the pundits including the most recent clash in Herbal life. When it come to timing of the market there have never been anyone who can do it for more than 3 to 5 years. Some did it for more than one time and then eventually fall completely wrong.
    That does not means you should not do something if you see situations that is bad. If you have money to invest now you may want to wait and not jump in. If that is a large lump sum you may just wait by only putting in 5% of the amount every month. If you believe the bear market is here already then cut your stock allocation down to 70% and sit there and wait. Do not rebalance and wait until you see a bull market has started and then go back to 100% stock. This type of conservative adjustment will guarantee you will at least grow at 70% of the market and most likely 100% of the market.
    Jul 2 03:38 PM | Likes Like |Link to Comment
  • Dividend Update - June 2014 [View article]
    I am very sure you will save enough and will have a lot of asset as you continue your life. As I have said many times it is not how much you make that is important it is how much you save that counts.

    I just have one suggestion for you as a young man. If you live in an area of growth you should also look into investing in a house. My number one rule for young investor is to buy the most expensive house in the best area that you can afford. The reason is due to the leverage you have in owning a house. Lets say you buy a 300,000 house and put 60,000 down. If the house increase in value at 5% a year you will double you money in about 4 years. (assuming your house payment is about the same as your rental cost)
    Jul 2 12:14 AM | Likes Like |Link to Comment
  • RadioShack Is Not As Bad As Everybody Thinks [View article]
    I agree and that is want I did for many years buying electronic parts form them. But since they build a new Fry electronics one mile from my house I no longer need to go to Radio Shack.
    The only chance for Radio Shack is to improve this segment of business.
    Jul 1 08:47 PM | 1 Like Like |Link to Comment
  • The Consumption Drag: What It Means For Investors [View article]
    I agree in general with this article.

    I like to add a few more points.
    First and most import is that not only wages or income is growing very slowly but most of them are given to the top 1% and top 20%. Income to the bottom 80% are more likely to be spent and those that go to the top 1% or 5% are more likely "not spent" but invested.
    Second point is many people are scared in the last few years into putting away a few money dollars for emergency situations. So the saving rate today is slightly higher than in the past 20 years.
    Thirdly the bottom 80% who like to spend money do not have as much means to borrow money to spend.
    Jul 1 08:41 PM | 6 Likes Like |Link to Comment
  • John Hussman: The Delusion Of Perpetual Motion [View article]
    This is happening in Japan already. The Japanese government pension plan is now buying stocks like there is no tomorrow and selling the Japanese government bond back to the central bank (because no one else will buy them). So it is like the central bank is buying all the stocks.
    Jul 1 08:27 PM | Likes Like |Link to Comment
  • John Hussman: The Delusion Of Perpetual Motion [View article]
    I like simple ideas and methods to look at complicated situations. The simple problem today is what are you going to do with your money with all the BAD choices in front of you. The answer is that you have to pick the best out of all the BAD options.

    In the late 80's I was with a company in the south where discrimination is the norm. A VP of marketing (the only woman in the top 20% of the company) was lay off or fired. She immediately took a part time job that paid her like 40% of what she use to made. People in the company comment that she should not have done that. She is smart enough to know unless she move to another area she is not going to find another job that will pay her well. She pick an option out of all BAD options in front of her.

    All I am saying is putting money in the stock market now is the best option out of bond, cd, cash, gold etc. It has already been the best outcome in the last 5 years. Just in 2014 the return in SPY is about 7%. If you cash out now it beats your investment in say 3 year treasury for the next 3 years.

    No one can predict what the market will do tomorrow. But I can say for 99% certainty that interest rate in US, EU and Japan will not go up much in at least the next 6 months. So I am going to take the BAD decision of 80% invested in stock.
    Jun 30 01:42 PM | 2 Likes Like |Link to Comment
  • RadioShack Is Not As Bad As Everybody Thinks [View article]
    I am going to add my 2 cents using my usual common sense on the street observation.

    I have purchase a lot of stuff from Radio shack in the past and I have not even step into their store in the past 5 years. One of the reason why I use to visit them was they carried some stuff that normally hard to find in other stores. That is no long true and they almost never have good prices.

    There is nothing they can do to attract me to step into their store now and I am going to buy online or at Fry electronic.
    Jun 27 01:06 AM | Likes Like |Link to Comment
  • The Best Passive Retirement Strategy In The World [View article]
    In general I think this is a very good strategy.
    I plan to use some similar strategy once my wife retired.
    The more money you have to spare the more you should use this type of passive strategy.

    I added one complication to the plan. Instead of just spending the said 75K I have 2 buckets for expenses. One bucket I established when you retired for extra traveling or hobby expense you want to do in the first few years of retirement when you are still very healthy and able to do a lot of thing. This bucket of money is not needed for any future considerations. Another bucket is what I call my current expense bucket. It is like the 75k you are spending each year. This bucket is want you can spent this year and if there is left over you move them into the first bucket for any extra spending. Also instead of the fix 75k I have an amount adjusted by inflation and also by age (using life expectancy tables)

    For most people you also have social security that pay you a big part of your expense and it is adjusted for inflation also. If you are careful you do not need to be that conservative about investing in the stock market.

    Example. A couple at 70 may have say 60,000 from social security. Let say you want to have 120000 to spend a year and you only need 60000 more from your other funds. At this level if something really bad happen in the stock market you can probably cut back your expense to 90000 a year and still not a really big problem that you cannot handle. What I am saying is that you may be in a situation you can afford more risk than you think.
    Jun 27 12:57 AM | 1 Like Like |Link to Comment