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  • Forward 1 Month T-Bill Rates Show April 2021 Peak At 3.47%, 5 Months Earlier And 0.02% Higher Than Last Week [View article]
    Please write an article discussing when should someone take a lump sum and when to take a monthly payment. This is a very complicate issue. The main one is interest rate and the foreword projections of the rate. There are plenty of books and articles on when you should start taking social security but very few on the issue of taking lump sum or monthly income. If monthly income what option should one take.
    Jul 25, 2014. 12:56 AM | Likes Like |Link to Comment
  • Why This Is The Most Hated Bull Market Of All Time - Understanding The Folly Of Financial Engineering [View article]
    The total tax the rich pay is minimum.
    Because all others pay a lot more in sale tax, social security tax, medicare tax exercise tax etc etc etc
    That is why Warren Buffer said his tax rate is lower than his secretary.
    Jul 24, 2014. 11:29 PM | 13 Likes Like |Link to Comment
  • Forward 1 Month T-Bill Rates Show April 2021 Peak At 3.47%, 5 Months Earlier And 0.02% Higher Than Last Week [View article]
    Thank you very much for this article and especially the tables. Now I can use the table to project what the lump sum payment for my wife's retirement benefit will be in 2 to 3 years.

    Yes I understand that is what the current calculation indicates and it will change on a daily basis. But at least I have the most accurate projection as of today.
    Jul 24, 2014. 11:11 PM | Likes Like |Link to Comment
  • Are Growth Stocks Appropriate For Retirement Portfolios? [View article]
    Growth stock should always be part of any retirement holdings. The only question is how much should you hold. That depend on how much asset you have compare with what you required for your spending need.
    If you only have enough for your spending I would hold 30% bond equivalent and 50% dividend and 20% growth. If you have 2 times what you need to spend I would hold 10% band equivalent 30% dividend and 60% growth.
    If you only have half what you need to retire I would go all in and 100% growth.
    Jul 24, 2014. 01:27 AM | Likes Like |Link to Comment
  • Your Feelings Are Killing Your Profits - The Fix Is Easier Than You Think [View article]
    There is no method that is perfect for timing the market.
    Mine is simply using a 12 to 15% drop to sell and wait for a 12 to 15% increase before getting back. I modify it by looking at the fundamental environment to see if the situation has changed. This seems to work well for me to avoid the majority of the down market and capture the majority of the bull market.
    Today I will be watching any drop of 10% very closely and if that is caused by interest rate actually going up I will get out of the market completely. I have too much gains in the last 5 years and it is not worth it for me to take more risk.
    Jul 24, 2014. 01:15 AM | 2 Likes Like |Link to Comment
  • Home Prices Are Historically Overvalued Yet Again [View article]
    You have very little knowledge about investment.
    And I have no real estate business connections
    Jul 23, 2014. 05:15 PM | 3 Likes Like |Link to Comment
  • Krugman's Latest Debt Denial: Why His Two Magic Numbers Don't Cut It [View article]
    Stockman is a smart man. But he has a political agenda. If you read everything he said it is obvious his political goal was there. He lie when he was in power and he will continue to do the same as long as it suits his political goal.
    Jul 23, 2014. 04:07 PM | 2 Likes Like |Link to Comment
  • Home Prices Are Historically Overvalued Yet Again [View article]
    There is another way to look at the housing price from an investment point of view. There are kind of finite amount of money floating in the US and in the world. Central banks in the US and Japan and the EU is still printing money and so there are more each month. Those money has to go somewhere. Just to make it simple and look at the 3 biggest assets to be invested in the US namely stock, bond and real estate. Bond is now almost have no way to gain significantly due to historical low interest rate. That leave real estate and the stock market.

    The stock market in the past 6 years have increased a lot more than real estate. So relatively speaking real estate is not as expensive as stocks. As I have posted before you have to make a choice between all of the "bad" choices in front of you with your money. Today if you are in the SF bay area I would say housing is a better bet than all the other "bad" choices.
    Jul 23, 2014. 03:38 PM | 1 Like Like |Link to Comment
  • Home Prices Are Historically Overvalued Yet Again [View article]
    You are wrong again.
    Houses were never sold in a day ever even in SF bay area.
    Houses were never sold above list price as much as it is now in the SF bay area.
    Jul 23, 2014. 03:26 PM | 1 Like Like |Link to Comment
  • Home Prices Are Historically Overvalued Yet Again [View article]
    the drop in housing price is due to the mortgage problem.

    If the price of the housing is the main problem than housing price today will not be higher than before the drop. The fact is housing price in most areas with job are now higher than before the crisis. Even areas that has little job increases are back to 90% of the pre crisis price. Only area like Detroit that is hopelessly shrinking have not recover that much
    Jul 23, 2014. 03:22 PM | 1 Like Like |Link to Comment
  • Home Prices Are Historically Overvalued Yet Again [View article]
    You miss one big reason why the housing market in the US where jobs are available is going up. The housing price in the US is very low compared with most countries. Why do you think so many cash offer for houses in California by Asians oversea? Because they are cheap compared with most good areas in Asia.
    Today in the SF bay area 95% of all houses on sale are sold over the list price. Most have multiple offer that are all cash. The house on my right listed at 1.65 was sold in one day. My in laws house have 2 offer that is over the list price in one day and one is all cash. It is very difficult to buy a house without at least 50% down because most sellers will not accept your offer. New millionaires (a few hundred a week) from all those ipo tech companies also help. Location location and location and that is what is happening in the SF bay area. Housing trends usually are long and I do not expect the uptrend to stop in the near future.
    The housing collapsed in 2008 is due to mortgage problem not the price of the house. Today most of the houses are sold for more than 20% down with about half of them all cash.
    Jul 23, 2014. 02:02 AM | 4 Likes Like |Link to Comment
  • Should You Add Wal-Mart Or Target To Your Portfolio For Dividend Growth? [View article]
    Before you buy Target you should look carefully on its Canadian operation which is a big loser for Target. Do your own research. I believe it will be a big problem for the next 2 years and I do not see any way out. It has no plan using the internet and that is a big mistake.
    Jul 9, 2014. 07:49 PM | 2 Likes Like |Link to Comment
  • Yon On Demand +6.3% after firm discloses stake [View news story]
    YOD hit a high of 7.35 after they pump it up in Feb from around 2.5. Then drop to a low of 1.32 in May.
    I have posted here and said it is another scam. Please research the firm back all the way to a few years ago when they were traded at >250. That business went bankrupt and someone did a reverse merger. All the old business now is gone and the new one has almost no revenue (less than my business)
    Jul 9, 2014. 04:05 PM | 2 Likes Like |Link to Comment
  • Is Dow 17,000 Dangerously High? This Comprehensive Review May Surprise You! [View article]
    An excellent article.
    There are many ways to look at what is overvalue and fairvalue or undervalue.
    I am not going to say any angle of looking at it is right or wrong. All I am saying is buying and holding stock today seems like the best choice out of all the bad choices and we must pick something.
    The key is interest rate. Not just interest rate in the US but also in EU, Japan and China. EU and Japan will not raise rate for at least 12 months and may be as long as 5 years. China and the US is also not in a position to raise the rate much in the next 12 months. So where are all the money going to invest? Not only that more money is being printed in EU and in the US. Japan is buying stocks like there is no tomorrow as a government policy. (pension funds buying stocks and selling bond to the government)
    I just hold my nose and hold on to my 80% stock position.
    Jul 9, 2014. 03:44 PM | Likes Like |Link to Comment
  • RadioShack Is Not As Bad As Everybody Thinks [View article]
    I am standing on my prediction radio shack will no long be here in 3 years max.
    Jul 9, 2014. 01:24 PM | Likes Like |Link to Comment