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Go Back   FZ1OA Message Board > FZ1 & Fazer Owners Association > "Off Topic" Discussion

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Old 01-28-2016, 01:52 PM   #161
ER^NPILOT
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We already have those items covered... So, my dreams are much wetter...
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Old 01-28-2016, 01:56 PM   #162
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We already have those items covered... So, my dreams are much wetter...
So, you're getting a boat?

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Old 01-28-2016, 02:50 PM   #163
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If I tried, the Dow would go to 20K in no time. Maybe I should, just to help the rest of you out
Thanks man. I'd appreciate it.

On a similar note I make a nice side living washing my car. Whenever farmers need rain they send me a little something and I wash my car guaranteeing a nice downpour soon thereafter.

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Old 01-28-2016, 03:50 PM   #164
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I suspect you'll be washing it this Saturday, then, Pat?

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Old 01-28-2016, 04:38 PM   #165
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So, you're getting a boat?

-T
No... A kiddie pool

And three more motorcycles
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Old 01-28-2016, 09:43 PM   #166
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I suspect you'll be washing it this Saturday, then, Pat?
That depends on what's in tomorrow's mail.

You see, I can also not wash my car.

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Old 01-29-2016, 10:44 AM   #167
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I'd prefer not to turn my sprinklers back on. Please wash the car at your earliest convenience. So long as that earliest convenience is before EOD Saturday. Thank you!

-T
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Old 01-29-2016, 05:45 PM   #168
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I've submitted applications for Social Security and Medicare. Easy street, here I come!
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Old 02-02-2016, 09:02 AM   #169
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I've submitted applications for Social Security and Medicare. Easy street, here I come!
From all of us still paying taxes, you're welcome.
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Old 02-02-2016, 12:53 PM   #170
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From all of us still paying taxes, you're welcome.
The thing that is sometimes overlooked is one's Social Security payments are calculated by their earnings history. Sam paid into the system, it is only right he is due what was promised him. Social Security is not an "entitlement" it absolutely is owed. Spoken like a guy over 50 eh?

Back to the economy, the stimulus measures taken by the Fed and its counterparts around the world were unprecedented. There was an urgent (and well founded) sense of "act now, figure it out later" during the financial crisis. Asset bubble reinflation was the response to that huge shot of adrenaline, but if we are honest, we all knew the Fed was just kicking the can down the road. We did not care at the time, as the situation was so urgent.

We are now down the road and the can seems to have slowed greatly or even stopped rolling. Welcome to the next exaggerated drop on our government sponsored economic thrill ride. With this in mind, my investments were downshifted from Balanced to Conservative after the August '15 dump, when October rolled around and gave an opportunity to lighten up on equities.

Overall about 15% cash, 30% in stocks, the rest in dividend paying preferred stock ETFs and bonds. Would be just fine with a 5% average return from here on out. That would be great, actually!
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Old 02-05-2016, 03:48 AM   #171
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On the otherside of the pond, the market is in freefall predominately due to the slowdown in China, cash term rates are under 3%, the only shining light is equities in health and property, some of the mining stocks have dropped 30 - 40 %, with credit rating downgrades and less dividends, good time to be retired.........not
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Old 08-07-2016, 02:46 PM   #172
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You mean the year of 11% returns?

It's been a great summer.
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Old 08-08-2016, 04:07 PM   #173
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You mean the year of 11% returns?

It's been a great summer.
Yes it has. And stocks have done well for the last 7 years, too.
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Old 08-08-2016, 04:42 PM   #174
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Yes it has. And stocks have done well for the last 7 years, too.
Indeed... Wallstreet loves this administration
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Old 08-09-2016, 02:27 PM   #175
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You mean the year of 11% returns?

It's been a great summer.
S&P 500 YTD is 6.3% Congrats on hitting 11% YTD!
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Old 08-09-2016, 03:54 PM   #176
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S&P 500 YTD is 6.3% Congrats on hitting 11% YTD!
Personally, I find the 5 and 10 year average annual returns on the S&P much more relevant.

At the end of 2015, a year in which the S&P was down −0.73%, the average annual return for the preceding 5 years was 12.56% and the average for the preceding 10 years (which includes, of course, the 2008 debacle) was 7.30%.

Numbers like that are why Warren Buffett has advised his wife to invest her fortune in S&P index funds after he passes on to that great trading floor in the sky.
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Old 08-09-2016, 04:45 PM   #177
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Personally, I find the 5 and 10 year average annual returns on the S&P much more relevant.

At the end of 2015, a year in which the S&P was down −0.73%, the average annual return for the preceding 5 years was 12.56% and the average for the preceding 10 years (which includes, of course, the 2008 debacle) was 7.30%.

Numbers like that are why Warren Buffett has advised his wife to invest her fortune in S&P index funds after he passes on to that great trading floor in the sky.
Exactly. Nobody can consistently beat the S&P, so that's why most of my investments are in a VERY LOW cost S&P 500 fund. Paying someone to "manage" my money for 1% of MY investments to perform worse than the S&P over the long term makes no sense to me.
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Old 08-09-2016, 04:54 PM   #178
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Even my boring dividend paying preferred stocks are up over 7%, plus paying their 6% in dividends, for a combined return of over 10% YTD. Everything is at all time highs now, bonds too. Everything moves together and is highly correlated, going to cash gives no return and carries a risk for inflation. Stick to the personal allocation targets, rebalance, take the long view. Vanguard's balanced fund (VBIAX) and similar Wellesley funds are favorites for this semi old dude.

Did raise a little more cash today though, up from 15% in my prior post to around 25% now. Part of that is I have to take RMDs on my deceased brother's 401K and I believe in the "bucket" system - taking them from cash instead of being forced to sell investments at a possibly bad time.

This has been an interesting year that has flummoxed a lot of supposedly smart people who try to outfox the market. Better to stay invested to your risk tolerance, sleep at night and let it ride. Gotta love that someone in a simple low cost index fund is kicking the asses of a host of fancy "smart money" types. All this makes me wonder about all those fancy folk and what good are they really?

That said, my risk tolerance goes down when the market makes new highs. Seems prudent to be a little cautious here. Not selling it all and running for the hills panic or anything, but cautious, with a little more in cash and less money on the table now, to be deployed later. I still had cash to deploy in early 2009, and that worked out very nicely for me. Was not an easy trade though - my hand was literally shaking. Worked out nicely though. Gotta be in the market to get the gains, but you also have to have cash available to buy cheap when there is blood in the streets too...
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Old 08-09-2016, 09:44 PM   #179
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I have very boring, very low cost Admiral funds at Vanguard. Nothing fancy. I doubt the market will carry these gains through December... But that is okay, I need a discount to buy big again.
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Old 08-09-2016, 09:53 PM   #180
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When everyone talks about these low cost Vanguard funds; which ones are you using? I'm holding VOO.
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