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MikeM
I know you are not a fan of his, Mona (understatement :) )
Another Bills fan!!! Junkster just sent me a note saying the same. GO BILLS! They will be right down the road from me when training camp starts next week at St. John Fisher College. But tickets sold out in hours, so I won't be going. Are you from the area, Western NY?
http://www.theatlantic.com/business/archive/2014/05/which-states-are-givers-and-which-are-takers/361668/
This looks like the site David got his chart from.
https://wallethub.com/edu/states-most-least-dependent-on-the-federal-government/2700/#red-vs…
davidmoran, I'm little slow. Does your graphic mean SC gets almost $8 in federal money for every $1 they pay in taxes? Not sure how to read your chart.
Thanks Graust , I checked out their web site. I can't find where to find their fee structure, which usually keeps me from going anyplace other than the credit union I'm at not (no fees). I sent them an email asking what fees applied to their HSA's.
"For those that don't have our back, we're taking names, we will make points to respond to that accordingly,"
Can threatening other countries be good in the short or long run? Hard to tell the difference between Russians and Americans nowadays. I …
Crash , fwiw, I've given up trying to guess the region or country or sector that will do well in the next 12 months. I've decided to leave that to the people (managers) I'm paying through the funds I chose. Not sure what international fund you may b…
Thank you bee. I will look at what's available. I've considered keeping 2 accounts, the saving one that I use for today's expenses and one more as a retirement investment vehicle.
PRESSmUP , for what it's worth, my Schwab financial guy told me Schwab does not offer HSA accounts. Digging a little more, I found none of the big supermarket brokerages do. I have not found a good place to set up an HSA that can invest in much else…
Thanks for the feedback PRESSmUP . Sounds like you have a plan. I 2nd bee's fondness of HSA's. I think they are the best tax free (on both ends) investment going.
Hi Skeeter. No, Schwab is one of the few that do not charge a direct fee for their robo. They make their money by using mostly Schwab ETFs. The other rub against them though, is they generally, by industry standards, have higher then competitors all…
To me, etf's are for trading and are usually held in accounts where wrap fees apply.
Hi Old_Skeet , just curious why you think this. ETF's being like index funds certainly can be used for long term investments, just like index funds with slightly b…
PRESSmUP , just wondering why you believe having equal funds between taxed and tax free accounts is a benefit as opposed to most all in tax free. I understand in your case the taxed account came from inheritance so there was no choice, but it doesn'…
I think the funds available are a very small part of the total return outcome over time. Putting together a good diverse portfolio and not screwing things up by trying to time the market will be 90% of your profit. I see index funds and a nice balan…
Decided to read a little about why. Seems my 1st thought of the higher credit insured being more reliable at making payments is not at the top of the list. You guys are correct. Basically, it is that people with good credit don't file (as many) clai…
To decree that the homes of people with higher credit scores burn down less frequently than those with lower credit scores seems pretty tenuous to me.
I don't think it has anything to do with claims for houses burning down or the # of accidents som…
Mark , with your post I decided to give CreditKarma a try. It was very easy to register and it is a nice site. I sent the investopedia to my son for him to think about. He said "I've been using it for a while now". I'm always a step behind that kid …
"if you get entertainment value out of these funds, that's fine. Otherwise it's a lot of research work for something that will not make a noticeable impact on your portfolio."
mfs, the most profane one liner I've read here in a long time. Actually …
I agree with your assessment Hank. I most definitely believe your #1 and 5 points to be the reason Hussman's fund and all long/short funds in general are not worth investing in. You have to be correct getting out and you have to be right again when …
Unless of course you said what you did because you were trying to rub it in
Sorry, kind of... but not really rubbing it in. Just trying to point out Hussman's investment style is exactly what you pointed out, and I agree with, that those pessimistic…
One suggestion to think about Puddenhead, if your buy-out is taxable and you want to put it into retirement savings, a Roth IRA would be a better idea than a regular IRA, at least for the Roth IRA yearly max (not sure what it is now). If you get it …
Puddnhead , I worked for a once great company, once the darling of the DOW, that downsized every year for almost 20 years. Went from 100k+ employees world wide to now just a few thousand. At different times they offered both buy-outs that were taxed…
DSEUX: I guess I'm not sure how it would work compared to domestic DSENX. DSENX buys undervalued sectors from the S&P 500. Pretty clear and straight forward. CAPE picks from a somewhat stable group of U.S. stocks. Companies in a sector somewhat …
Yes, and that public investment record reflects exactly your statement... how talented a forecaster one has to be year after year as the market is going up, to say the sky will fall?
DSEUX is an interesting fund ONLY because of the success of DSENX. In my opinion, there is absolutely no reason to jump into this fund now. Way way way to early. If it is doing better than FMIJX after 3 years I may consider it.
how talented a forecaster one has to be year after year as the market is going up, to say the sky will fall? Less and Less talented with higher and higher probability of being right. While of course most people only remember the last forecast (sic) …
Hi Crash. I'm certainly in the rank amateur club too, but the fund certainly fits with the buy low sell high mantra. The perfect value/contrarian style I have tried to use myself with out much success. This fund does it for me with a fairly simple …
DSENX is also a big part of my portfolio, but no scheme works all the time. I'm a little worried when value-stock trends subside this fund will feel some slower days. But, don't blame you for piling on while it is running strong.
Actually David I …
Bingo Mark! And throw in all the misconceptions that were popping up in the last month or 2 in social and news media from who knows who and who knows where (Russia tampering with our democratic process maybe?? no maybe's...), and lets be real, voter…
Thanks again skeeter. So if the manager holds every bond (in theory, of any duration) to maturity the mutual fund can not lose money. If for some reason the manager does not hold to duration, in a rising interest rate market, they will have to sell …
Hi Old_Skeet. I appreciate your response. All the research I've done around bond "funds" is they do not act like a single bond purchase, and it does not matter if "you" hold the fund longer. Basically you are not holding the "fund" to maturity and l…
AMJVX is only 41% bonds. How does this fit with fixed income bond funds? M* classifies it as a 30-50% allocation fund.
Bonds: low duration to me just means you will lose less than longer duration. But you are still going to lose. I think you have …
Great fund imho. Especially if you want to be a bit more risk conscious in a volatile sector like Emerging Markets, as I do. fwiw, the only diversified EM fund I need in my portfolio.
Curious, has the fund or manager performed in a manner that you…
I'm happy to say in 2016 my ~ 60% eq :25% bond :10% cash:5% gld, Charles Schwab Intelligent Portfolio returned 11.8%. So far so good on the robo. Not sure what it will do in a down year, but I'm sure to find out at some point. Maybe 'direly' soon.
Not sure what your time frame is for up. Miner stocks have had a good year on their roller coaster ride as shown above by TGLDX ( I think TGLDX is one of the very few if not only PM fund that does hold a very small amount of real gold), up around 40…
