Investing For The Long Term

Best Rates for CDs

2010-07-10T18:56:00.000-07:00

"Highest CD Rate Survey + Current US Treasury Rates" Current Table at => Very Best CD Rates Term as of 7/10/10 Highest Rate (APY) Where? (Click link for Full Rate Sheets) Vanguard Daily 0.09% Vanguard Prime Money Market Fund 6 Month CD

Bernie Madoff Vs Social Security

2010-03-29T20:47:00.000-07:00

Al W posted this observation on our facebook "Investing for the Long Term" forum: Under the guise of "Stuff you can't make up", kirk posted a parody about ObamaCare. There is more to financial burden that just health care. How about Social Security? Subject: Bernie Madoff Vs Social Security Why did Bernie Madoff go to prison? To make it simple, he talked people into investing with him

Best CD Rates, Treasury Auction Schedule & Unemployment Rate

2009-11-06T09:49:00.001-08:00

Best CD Rates - Survey of Largest US Banks Bank CD Rates - APY in %as of 11/04/09 for $10,000 6- Mo 11-13 Mo 18-Mo

Financial Weapons of Mass Destruction

2009-02-10T09:08:00.000-08:00

James Kenney (Fort Lauderdale, FL) wrote on our facebook "Investing for the Long Term" forum:I'm sure it is all very confusing so that the middle class can taken yet again by the very-rcih and their political lackeys. As far as I can understand it things will spiral down as long as real estate prices continue to decline. The toxic assets include the collateralized debt obligations (CDOs) which

Desert Home Prices Falling Fast

2008-09-30T21:13:00.000-07:00

Case-Shiller is out with their home price index again today and I thought I'd take a look at the desert cities of Phoenix and Las Vegas.Prices generally fell faster in July than in previous months with only 6 of the 20 cities reporting home price gains. New home sales data indicates that the higher-priced homes were harder hit. Jumbo mortgages are proving to be hard to get at reasonable rates.

Bear Market Statistics

2008-09-07T06:56:00.000-07:00

This graph shows the DJIA and the S&P500 are currently at bear market levels less then 2% above their July 2008 lows. Us asset allocators have our fingers crossed that the S&P500 does not make a fifth lower low in a ongoing bear market.The NASDAQ is showing relative strength at 4% above its bear market low set in March 2008. The worry with the NASDAQ is it broke the potentially bullish trend of

Denver and Minneapolis Home Prices

2008-08-27T18:08:00.000-07:00

S&P is out with the new Case-Schiller Home Price Index for June. In May, 7 of the 20 cities in the index showed an increase in average sales price from April. In June, 9 of the 20 cities showed a price increase. Some of this is a result of normal seasonal patterns, but I believe it provides further proof that the worst of the home price declines are behind us.Two of the cities that show an

Home Price Forecast

2008-07-29T20:01:00.001-07:00

The Case-Shiller home price index fell again for the month of May. Home prices nationwide are down about 16% in the past 12 months. For most Americans, their home is their biggest investment. For them, a 16% decline in 12 months is brutal. An estimated 3 million homes will be foreclosed in 2008. That is flooding a real estate resale market that is now running at about 4.5 million homes per

S & P Earnings Estimates Update

2008-07-27T17:53:00.000-07:00

S&P operating earnings estimates as posted by S&P for ‘08 and ’09. Operating earnings estimates continued their downward slide, accelerating this past week as reports poured in. The 2009 estimates, IMO are not to be believed. They project a 193.1% earnings growth in financials. Want to buy land in Florida? Report Dt 2008 2009 08/07/2007 106.59 <-------2008 high … 01

S&P Earnings Estimates

2008-06-17T12:01:00.000-07:00

Runner Twentysix wroteS&P operating earnings estimates as posted by S&P for ‘08 and ’09.Operating earnings estimates drifted over the past 2 weeks as few companies are now reporting. It is just drips and drabs right now. Reporting will pickup in earnest about the middle of July......…………....2008………200908/07/2007…106.59 <-------2008 high…01/14/2008…100.3201/22/2008….99.2101/

ECRI Says Inflation Pressure Fell in May 2008

2008-06-06T11:23:00.000-07:00

ECRI says U.S. inflation pressures slipped in May, as disinflationary moves in measures of jobs, loans and vendor performance offset inflationary moves in interest rates and commodities prices, a report said on Friday.The Economic Cycle Research Institute's U.S. Future Inflation Gauge (FIG), designed to anticipate cyclical swings in the rate of inflation, slipped to 116.7 in May from 116.9 in

S&P500 Operating Earnings Estimates

2008-04-24T13:38:00.000-07:00

Runner Twentysix posted this recap today in our Bob Brinker Discussion Forum on Facebook.S&P operating earnings estimates as posted by S&P for ‘08 and ’09.Earnings continue their long running decline............. 2008………20098/7/2007...106.59 <-------2008 high …01/14/2008.100.3201/22/2008..99.2101/29.2008….99.0002/05/2008….99.8602/12/2008….99.5102/19/2008….98.9902/26/2008….98.6303/04/2008….96.5503

Coupon Code for Vita-Mix Blender Seen At Costco

2008-04-21T11:14:00.000-07:00

$25 Discount Code Click for Special Code for (Free standard shipping) when you order.

March Inflation Data Good News for TIPS and I-Bonds

2008-04-16T09:02:00.000-07:00

I posted two articles worth reading. They are: Wednesday, April 16, 2008I-Bond Rates To Soar on High Inflation Data.Tuesday, April 15, 2008March Inflation Up on Higher Energy and Food Costs Vanguard's TIPS index fund (VIPSX) was up 11.59% in 2007 and is up 4.74% YTD in anticipation of these high inflation readings. With inflation expected to moderate, I don't expect to see this level of

Chart: DOW Daily Closing Values

2008-02-07T07:14:00.001-08:00

Some people believe the market will correct to test the DJIA high of 1999/2000 at 11,722 from above. I've indicated it with the dashed green line on this chart. Click Chart for Full Size viewing You can see from the chart that the dashed green "support line" was resistance in 2006. The DOW rallied from a bear market bottom in 2002 to this resistance line in 2006 then made a significant correction

How The Stock Market Works

2008-02-05T06:04:00.000-08:00

This short explanation was posted today by Jerry S. in our Facebook discussion group "Investing for the Long Term."Once upon a time in a village, a man appeared and announced to the villagers that he would buy monkeys for $10 each.The villagers seeing that there were many monkeys around, went out to the forest, and started catching them. The man bought thousands at $10 and as supply started to

Ric Edelman radio show recap 1-12-08

2008-01-13T15:18:00.000-08:00

The show covered many recurring topics but also focused on some timely information. As usual Ric shared his thoughts on keeping our minds on the long term goals and tuning out the short term noise. Major topics this week were 401(k) plans & ETFs. A follow up to the off shore question of two weeks ago. Other topics were capital gains, IRAs, college saving, mortgages, and life insurance. I enjoyed

Ric Edelman radio show recap 12-29-07

2007-12-30T09:28:00.000-08:00

This week’s show had a wide array of topics and valuable information. 2007 was quickly reviewed noting the volatility, money new year resolutions were also discussed. A few client questions about suspect ads and solicitations were shared. Taxes were also a topic including information on the AMT relief bill passed on the last day congress was in session. Also covered were loans, college savings,

Ric Edelman radio show recap 12-8-07

2007-12-09T11:53:00.000-08:00

Ric opened by sharing some statistics that demonstrate not all Real Estate values are dropping across the Nation. For example according to Forbes magazine in Salt Lake City prices have climbed over the past year by 22%. Redding PA up 11%, Glen Falls NY up 11%, Cumberland MD up 9%, Binghampton NY up 20%, Spokane WA up 10%, Salem OR up 17%. Ric wonders if the angst is affecting as many people as

Sy Harding Confirms MACD Buy Signal

2007-12-07T08:08:00.000-08:00

It was reported today on the "Sy Harding" forum in the facebook group "Investing for the Long Term" that Sy Harding had returned to a fully invseted position on on November 28, 2007. Click chart to see full sized chart courtesy of stockcharts.comRunner Twentysix wrote 17 minutes ago: Sy confirmed his date this morning saying on this mornings blog entry:"Our Seasonal Timing Strategy entry signal

Ric Edelman radio show recap 12-1-07

2007-12-02T08:46:00.000-08:00

Ric had another show with a wide range of topics. They probed how to find out what all the costs of investment advice is and buying a foreign IPO. He also cover designating beneficiaries for an IRA, positioning your funds for retirement distributions, and need for life insurance. Perhaps the best call was from an elderly couple that may have been making a big mistake to save some paper work.

Ric Edelman radio show recap 12-1-07

2007-12-02T05:52:00.000-08:00

Ric Edelman radio show recap 11-17-07

2007-11-18T14:23:00.001-08:00

Ric is officially worried about the market. Not the stock market, he is worried about the Money Market. If you have money in a Money Market account you are not alone. Currently about $3 Trillion are in Money Market Funds in the U.S. $11 Trillion are in Mutual Funds so over 25% is in Money Market Funds. Money Market Funds are in many cases replacing bank accounts as they offer better yield than

ECRI interview on bloomberg radio

2007-11-17T06:56:00.000-08:00

Tom Keene of Bloomberg radio interviewed Lakshman Achuthan on Friday November 16, 2007. I thought it was a very good as it went into greater detail than you often get in a short few minutes on TV.ECRI is cautious on Europe, indicators show profits, inventories, capital, employment, and interest rates have Europe looking worse. They have been going down for some time

Ric Edelman radio show recap 11-10-07

2007-11-11T08:53:00.000-08:00

Ric opened the show this week sharing a few simple questions a shockingly high percentage of investors got wrong on a survey by Deloitte Consulting. These were investors, not people off the street. One of the questions was; If you had $100 and received 2% interest after one year how much would you have? One out of three got it wrong. He then mentioned the stock market recent downward volatility,

Bob Brinker Update for November 11, 2007

2007-11-10T20:22:00.001-08:00

Allan Coleman reports in the facebook "Bob Brinker Discussion Forum" on today's "Moneytalk with Bob Brinker" that Bob Brinker is still bullish and the S&P500 is in Bob's buy zone:Jack Sxxxx asked:I missed the show today...my computer didn't record it. What did Brinker have to say about the market today?????????????/ JackAllan Coleman (no network) replied to Jack's post 21 minutes ago.Bob didn't

Does The Stock Market Follow The Business Cycle?

2007-11-08T13:42:00.000-08:00

"Looking ahead, we're facing a broad based slowdown in economic growth, but have plenty of room to slow without slipping into recession"By Lakshman Achuthan(This is one in a series of occasional opinion columns by market participants.)NEW YORK (Dow Jones: 3-November-2007)--Last February, U.S. stocks suffered their worst one-day loss since September 2001, prompted by a major sell-off in Chinese

New I-Bond Rates, November 2007 reset

2007-10-17T07:49:00.000-07:00

Posted on our Facebook Forum by Runner Twentysix October 17, 2007.All data is in to estimate the new variable reset beginning in November for existing I-Bonds.The CPI-U history for the six month reset period (Mar. 2007-Sep. 2007) is as follows:Mar. CPI-U 205.352Apr. CPI-U 206.686May. CPI-U 207.949Jun. CPI-U 208.352Jul. CPI-U 208.299Aug. CPI-U 207.917Sep. CPI-U 208.49The Sep. jump in CPI was large

BND: Info on Vanguard's Total Bond ETF

2007-10-10T07:03:00.000-07:00

Phil asked this question in our facebook Bob Brinker Discussion Forum:Phil Bradford (Inland Empire, CA) wrote 14 hours ago:The total bond ETF by Vanguard, symbol BND, has been discussed for a simplified fixed income allocation. For the life of me, I can not find out its duration. Can someone tell me what the duration of this bond ETF is?Thanks.I replied to Phil's post:You replied to Phil's post

Allan Coleman's "GNMA Table" & Junk Bond Fund (VWEAX) Update

2007-09-24T07:57:00.000-07:00

Allan Coleman posted on our Facebook Forum Sep 23, 2007 at 3:39 PM:Here is your purchase , Tom , along with miine of the Vanguard GNMA fund on Friday at $10.17 a share .For the Record :$9.91 - " codfish " , and " hoover26 "$9.93 - Capt. Kirk , " codfish " , " Moonlight " for a substantial purchase , " retiredinprescot " , " runner26 " for a definite second purchase , and myself for a second

The Yield Curve as a Leading Indicator

2007-09-22T11:52:00.000-07:00

So, Recession or No Recession that is the question. My interpretation of the Dynamic Yield curve is we will not have a recession. There were many instances in the last year or so where the yield curve inverted (in 2006 feb., mar., nov., dec. & in 2007 jan., feb. ) but the limited duration and relatively low interest rates due to Foreign Capital inflows were among the mitigating factors which

ECRI's WLI data shows some stabilization in September

2007-09-21T08:02:00.000-07:00

Posted on our Facebook Forum by Lakshman Achuthan September 21, 2007.Latest WLI data shows some stabilization in first half of the month.NEW YORK, Sept 21 (Reuters) - A weekly gauge of future U.S. economic growth slipped in the latest week weighed down by slower housing activity and softer industrial commodity prices, while its annualized growth ticked up, a research group said on Friday.The

I Bond rates, where are they headed

2007-09-19T07:10:00.000-07:00

Posted on our Facebook Forum by Runner Twentysix September 19, 2007.As of today, September 19 2007, we are now 5/6 of the way through the next reset period for I-bonds. For the second month in a row, there was a DROP in the CPI-U. The CPI-U history for the first 5 months of the reset period (Mar. 2007-Sep. 2007) is as follows:Mar. CPI-U 205.352Apr. CPI-U 206.686May. CPI-U 207.949Jun. CPI-U

Allan Coleman's High Yield (VWEAX) Junk Bond Fund Buy

2007-09-18T12:23:00.000-07:00

Posted on our Facebook Forum by Allan Coleman September 18, 2007Before noon, PST, Allan Coleman wrote:I just came from the Vanguard web site and placed an order for $101k in the Vanguard Admiral class High - Yield ( junk ) bond fund ( VWEAX ) at the close today .Since I've been discussing this for awhile now , I decided to put my money where my mouth is and walk my talk . As usual when I 've done

WLI Edges up, growth rate down

2007-09-14T08:37:00.000-07:00

NEW YORK, Sept 14 (Reuters) - A weekly gauge of future U.S. economic growth edged up due to higher stock prices, lower interest rates and stronger housing activity but annualized growth hit its lowest since last October, a research group said on Friday.The Economic Cycle Research Institute, an independent forecasting group, said its Weekly Leading Index edged up to 140.6 in the week ended Sept. 7

Allan Coleman's Sept 11, 2007 GNMA Update

2007-09-12T07:48:00.000-07:00

Posted on our Facebook Forum by Allan ColemanAllan Coleman wrote:As expected , the navs of our favorite Vanguard GNMA funds ( VFIIX & VFIJX ) DROPPED to $10.24 share price at the close today . The bond market traders may be finally getting the message that Bernanke and the Fed may ONLY cut rates by a quarter point next week and started pricing treasuries accordingly taking some profits now before

National Do Not Call Registry Renewal

2007-09-12T07:19:00.000-07:00

DaveD reminded us in our forum "The Art of Making Do" that you need to renew your "Do Not Call" registration every five years. (Request Invitation to our facebook discussion group.)Dave wrote:Unless you like chatting with folks a dinner time.https://www.donotcall.gov/Register/Reg.aspxI think its every 5 years wehave to do this national and localMore information from https://www.donotcall.gov/

Allan Coleman's Sept 10, 2007 GNMA Update

2007-09-10T20:00:00.000-07:00

Posted on our Facebook Forum by Allan ColemanAllan Coleman wrote:As expected , the navs of our favorite Vanguard GNMA funds ( VFIIX & VFIJX ) went UP to $10.26 today .Observations : VFIJX = 4.28% ytd with a 5.24% yield$404k of GNMAs purchased at an average price of $9.95 since June 22nd of 2006 is now worth $426,710.36VMMXX = 3.60% ytd with a 5.09% yield On my radar screen is the Vanguard High -

Allan Coleman: GNMAs Correction

2007-09-08T07:21:00.000-07:00

Posted on our Facebook Forum by Allan ColemanAllan Coleman wrote:Sep 7, 2007 at 6:15 PM: CORRECTION / ADDITION :Above post should say , June 22nd , " 2006 " . I made my first purchase on June 22nd of last year , 2006 . The other three buys were this summer . All purchases were for $101k .Sep 8, 2007 at 5:44 AM: GNMA yields :Overnite , the yield in the Vanguard Admiral class GNMA fund ( VFIJX )

Allan Coleman: GNMAs UP today

2007-09-07T15:21:00.000-07:00

Posted on our Facebook Forum by Allan ColemanAllan Coleman wrote on Sep 7, 2007 at 3:21 PMGNMAs UP today :The nav prices of our favorite Vanguard GNMA funds ( VFIIX & VFIJX ) closed UP to $10.25 today . This is an 8 cent increase and the biggest increase I've ever seen before in one day was 7 cents several times in the past .Recent obeservations : VMMXX = 3.55% ytd with a yield of 5.10%VFIJX =

Finisar: Q1 2007 Results

2007-09-07T14:20:00.000-07:00

More Finisar Charts here9/11/07: I moved the Finisar article to here, updated it with more analyst comments then submitted it to SeekingAlpha where they say it is best I only have it in one place. Disclaimer. I accumulated Finisar in my Newsletter Portfolio [ http://xrl.us/MoreInfo ] between $1.01 and $1.99 and still hold it today in both my newsletter and personal accounts.

Hits4Pay Users Group

2007-04-01T06:34:00.000-07:00

sign up now!Thank you for joining Hits4Pay.com through my referral link. My name is Kirk, and I am glad to have you in my team.First off, I want to let you know it works and Hits4Pay will pay you when you earn $25. I've been earning checks for many years now.I just want to remind you that you can log in to your Hits4Pay account and read paid emails from the Internal mailbox. This allows you to

Robert Taylor October 2006 Xyber9 Buy Signal

2006-10-02T10:34:00.000-07:00

The author of Paradigm and creator of “Xyber9 Forecasts” has a buy signal on the market. Robert Taylor, author of Paradigm, a book about the "Xyber9 forecasts" that use gravity to time the stock market, has a major buy signal for October 5th, 2006.Taylor has an exceptional record and his book is a good read.Here are some of his graphs:Calls 1987 top nearly to the day and got back in close to the