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TeachEnglish

TeachEnglish
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  • Retirement Strategy: I Am Already Retired, Now What? [View article]
    @relospecialist. You are exactly correct. When bank insured CDs return 5, 6-7% with no market risk, all the individual investors will flee the market. Times indeed do change, and most people are not comfortable "playing" the market. However, for now we are stuck with being in the market (index funds and/or individual stocks) and high yield bonds as well for income.

    The all or nothing mentality I see on SA is a bit disconcerting at times. I suppose most investors are convinced their way is the only way, but there are many paths to investment. The major point is to save and invest to fund one's retirement. Some people do it by buying only growth stocks, dividend payers, or index funds.

    Like Samiamaustin, I have an investment manager, and I am diversified in ETFs, REITS, international stocks, and intermediate and high yield bonds in my IRA. He also manages my investment account and Roth. My investment account also has municipal bonds as well as the other investments mentioned.

    I read DGI columns because I have a small tradimg account that I manage that has DGI stocks. But I'm not a believer that that is the ONLY way to go.
    Once again, the key to retirement is to save, invest and be prepared.
    Dec 26, 2014. 08:52 PM | Likes Like |Link to Comment
  • Setting Up Apple's Amazing 2015 [View article]
    @adowns. Welcome to retirement. You are correct that teenagers don't wear watches, and they also are not that keen on fitness (that will take a few years), but the market for the iWatch may pull them in later because of great apps. I see the niche market for the watch the millenials and those of us who are older who are undertaking fitness in our later years.

    With APPL,it's hard to predict markets, as they tend to "create" markets.
    My students were relatively poor and couldn't have afforded an iPhone, but
    more affluent people can. It will be interesting to see if the iWatch takes off.

    I don't think I'll buy one, but I didn't think I'd own an iPhone or iPad either, and I love both of them.
    Dec 26, 2014. 05:39 PM | 1 Like Like |Link to Comment
  • Zacks' Bull Of The Day: Apple [View article]
    @trader_al. I too visited an APPL store on a Monday two weeks ago to get my 6. It was crowded but not as bad as a previous Saturday I'd been there and left because the wait was too long. They had just gotten in a shipment that morning, so I did my upgrade and left a happy camper. This is only my second iPhone, but I really like it. i also have an iPad,which I adore. I think the holiday sales will be highly successful but don't know what the stock will do short term. Long term I think Apple is a great company whose stock will do well.
    Dec 24, 2014. 12:00 AM | Likes Like |Link to Comment
  • Retirement Strategy: I Am Already Retired, Now What? [View article]
    @bernbo. RS has MO in a different portfolio. This isn't the only portfolio he writes
    about,
    Dec 22, 2014. 11:17 AM | 1 Like Like |Link to Comment
  • Retirement Strategy: I Am Already Retired, Now What? [View article]
    @moatfrog. I'm with you on not being able to resist following the stock market daily. I have a financial advisor (horror of horrors to some on here, with total yearly costs less than 1%) and look at financial markets daily.

    I also have a very small portfolio in individual dividend paying stocks. Interestingly enough, I am not nearly so nervous about those individual stocks. Perhaps that is because the portfolio is small, but perhaps it is also because the stocks I own are sound dividend payers. I follow those to take advantage of buying on dips. No oil stocks yet, but I am considering taking a look in January or February after I feel the direction of oil is on more solid footing.
    Dec 21, 2014. 02:45 PM | Likes Like |Link to Comment
  • Retirement Strategy: I Am Already Retired, Now What? [View article]
    @WmHilger. Bought a restaurant? Good luck with that one, as restaurant failures are in the 90% range, at least in Texas they are. Seriously, good luck with the restaurant, but the industry does have a high failure rate.

    What made you decide to open a restaurant?
    Dec 21, 2014. 02:27 PM | 4 Likes Like |Link to Comment
  • Apple Analysis: Free Versus Levered Free Cash Flow [View article]
    @mdsnj. It's interesting to me that share buy-backs for APPL are beng treated as negatives by analysts when they are applauded at older firms. Why so much negativty about AAPL in the press? Is it because APPL is still considered an "upstart" thatplays by its own rules and that rankles the "financial analysts?"

    Time and again the company has been counted out, only to rise from the ashes wth one revolutionary product after another. No longer is APPL a "one hit" wonder. It is a behemoth with great profit margins and products people want to own. So now this writer comes up with "share buy-backs" as a reason to discount the enormous success of the new I-Phones?

    Other writers say that that 80% of I-Phone buyers already had a previous I-Phone, whoch they present as a negative! Amazing that brand loyalty too can now be perceived as negative. I give up on these folks, as they seem to find every "trumped up" opportunity to bash one of the most successful, innovative companies of the modern era. I'll just keep on enjoying my I-Phone 6 and I-Pad.
    Dec 21, 2014. 12:49 PM | 12 Likes Like |Link to Comment
  • Update: AT&T Raises Dividend For 31st Straight Year [View article]
    Owning T is like owning a high yield bond without the risk. When one looks at places out there in today's market where one can earn 5.6% relatively risk-free, I can't think of too many companies.

    Now if and when interest rates rise again ( in my lifetime?), and CDs and money market funds pay 5 -6%, T might not have so much allure, but right now I'm going to add some shares to my small holding. I've held some for almost 5 years, and the stock has risen $5 per share. This is certainly not growth, but that nice dividend helps to add more shares. Who know what the future holds for T? Perhaps the Direct TV acquisition will help earnings growth once it's absorbed.
    Dec 20, 2014. 10:44 PM | 12 Likes Like |Link to Comment
  • Annaly Capital: The Old Squeeze Play Could Hurt This Stock [View article]
    @RS. Correct me if I am wrong, but didn't you go into NYL simply to increase dividends? That's what I remember, but I could be wrong. If so,
    I think this fear now(which seems reasonable) shows that stretching for yield in a stock that needs a perfect storm is not that good an idea for most investors. I don't own any individual NYL, but I do have some funds in REITS, and they are very interest rate sensitive, as are bonds. I think this is something we all have to keep in mind when investing in this sector.

    We have long been in such a low interest rate environment that we have forgotten the impact of higher rates, even modest ones such as the Fed is proposing. Some of these young traders have never even seen a market where interest rates are rising. How will they react?
    Dec 19, 2014. 04:14 PM | Likes Like |Link to Comment
  • Annaly Capital: The Old Squeeze Play Could Hurt This Stock [View article]
    @Cliff Wachtel. Wow. That's a scary scenario.
    Dec 18, 2014. 11:13 AM | 1 Like Like |Link to Comment
  • Retirement Planning Depends On When You Begin Your Dividend Income Strategy And/Or Your Beginning Portfolio Balance. [View article]
    @High Yield Investor. I wish you luck with your retirement plan. However, buy and hold on high yield instruments seems ill-advised. Yields will drop when high-yield runs into trouble, and it seems to me you'd have to sell the stock and try to find another high-yield instrument. I've seen some pretty big drops in my high-yield corporate bonds this year, as they are interest rate sensitive. So are REITS.

    I don't see any investment style as being risk-free, and I'm sure you don't either.
    When we make an investment plan, it is just a plan that may have to change over time. Of course any plan is better than no plan.

    Thanks for sharing. I look forward to your updates.
    Dec 18, 2014. 10:48 AM | Likes Like |Link to Comment
  • Buy Signals Triggered Today In Apple [View article]
    I'm surely enjoying my new I-Phone 6. Buy more AAPL.
    Dec 16, 2014. 03:41 PM | 13 Likes Like |Link to Comment
  • General Electric: A Bitter Pill To Swallow [View article]
    @richjoy. Thank you so much for your reply.
    Dec 15, 2014. 12:45 PM | 2 Likes Like |Link to Comment
  • General Electric: A Bitter Pill To Swallow [View article]
    @richjoy403. So you are sayinb GE is paying out too much in dividends as it is. It needs growth even to justify its current dividend? I think this is what you are saying.
    Dec 14, 2014. 08:25 PM | Likes Like |Link to Comment
  • Retirement Strategy: I Will Not Follow The Herd, Will You? [View article]
    That was the ; this is now. One can hardly predict what they will do this time, but it's like everything else in the market----a gamble. Regardless,the lesson from the last two drops was to hold on and ride it out. The market will come back eventually. It probably is not finished dropping, but it will come
    back.
    Dec 14, 2014. 10:44 AM | 2 Likes Like |Link to Comment
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