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If Saving or Investing Money is Still Legal... - 3/30/2009 6:15:23 AM   
MasterHypnotist


Posts: 120
Joined: 6/8/2006
Status: offline 		Seriously,

What are good personal financial strategies for pre-inflationary investing if your event horizon is 10 or more years away?

Assumptions
- Person is living under their means.
- No standing debt other than mortgage and car payment(s).
- Retirement accounts are a shelter, not the investment itself. "Anything" can be put into a retirement account.

In addition, as the advice giver, do you meet the above criteria, and is this something you are doing for yourself?

Here's to Hope and Change,

MH

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 8:02:58 AM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline 		LOL.    easy.  Gold, silver, food and ammo.

easy fix

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 8:15:11 AM   
CruelNUnsual


Posts: 624
Joined: 9/28/2008
Status: offline
quote:

ORIGINAL: MasterHypnotist

Seriously,

What are good personal financial strategies for pre-inflationary investing if your event horizon is 10 or more years away?

Assumptions
- Person is living under their means.
- No standing debt other than mortgage and car payment(s).
- Retirement accounts are a shelter, not the investment itself. "Anything" can be put into a retirement account.

In addition, as the advice giver, do you meet the above criteria, and is this something you are doing for yourself?

Here's to Hope and Change,

MH




Lay low until a budget is passed. If its anything like it is now, TIPS until interest rates hit double digits then go long term Treasuries. If the budget gets pared back significantly then diversify in the stocks that have been hammered...financials in particular.

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 9:20:52 AM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline 		I am sorry, but Treasuries are all wrong.  As are stocks, particularly finance stocks.

http://www.youtube.com/watch?v=Gwa-6gC70Q8   <--- to understand the bank mess, peek at this vid.

So- there really is only 4 assets worth putting your federal reserve notes (a debt instrument) to.   You MUST delete counter party risk.  (if you want to keep your wealth)

Silver.  GOLD.  Food.   Ammo.       Paper is paper.   PAPER is PAPER.

Since the bail out- this past fall- I became interested in Silver.   As of this week- it is up 30%-40%.    Counter party risk?   none.  paper?   nope.

This post is your advice of a lifetime.   THIS is your chance.    Today.  

.[wanta earn a nice interest rate?  Loan me  funds, and "I" will invest in silver.   Ill back it up with equity- which I actually DO have in my house, if interested drop me an email.]

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 9:32:02 AM   
CruelNUnsual


Posts: 624
Joined: 9/28/2008
Status: offline
quote:

ORIGINAL: pahunkboy

I am sorry, but Treasuries are all wrong.  As are stocks, particularly finance stocks.

http://www.youtube.com/watch?v=Gwa-6gC70Q8   <--- to understand the bank mess, peek at this vid.

So- there really is only 4 assets worth putting your federal reserve notes (a debt instrument) to.   You MUST delete counter party risk.  (if you want to keep your wealth)

Silver.  GOLD.  Food.   Ammo.       Paper is paper.   PAPER is PAPER.

Since the bail out- this past fall- I became interested in Silver.   As of this week- it is up 30%-40%.    Counter party risk?   none.  paper?   nope.

This post is your advice of a lifetime.   THIS is your chance.    Today.  

.[wanta earn a nice interest rate?  Loan me  funds, and "I" will invest in silver.   Ill back it up with equity- which I actually DO have in my house, if interested drop me an email.]



As usual, youre wrong. And btw, im a financial analyst

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 11:10:23 AM   
Owner59


Posts: 17033
Joined: 3/14/2006
From: Dirty Jersey
Status: offline 		The best investment we could make is to ban any neo-con from coming within 100 feet of the SEC or any position where they might have influence over the publics` finances.....

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 11:37:20 AM   
CruelNUnsual


Posts: 624
Joined: 9/28/2008
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quote:

ORIGINAL: Owner59

The best investment we could make is to ban any neo-con from coming within 100 feet of the SEC or any position where they might have influence over the publics` finances.....


Id expand that to any politician who didnt spend at least 20 years running a substantial business and anyone who has taken PAC money or favors from  from a Wall Street firm/bank. Bye bye Barney and Chris

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 11:39:32 AM   
Lucylastic


Posts: 40310
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quote:

The best investment we could make is to ban any neo-con from coming within 100 feet of the SEC or any position where they might have influence over the publics` finances.....
quote:

ORIGINAL: Owner59

Come ze revolushun, they will be the first against the wall.


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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 12:02:07 PM   
MasterHypnotist


Posts: 120
Joined: 6/8/2006
Status: offline
quote:

ORIGINAL: CruelNUnsual

Lay low until a budget is passed. If its anything like it is now, TIPS until interest rates hit double digits then go long term Treasuries. If the budget gets pared back significantly then diversify in the stocks that have been hammered...financials in particular.


Cruel,

All right, so I had to look up TIPS. http://www.savingsbonds.gov/indiv/products/prod_tips_glance.htm and more, but that will get you in the area.

I guess short followup questions would be...

- What is the secondary market for selling TIPS before maturity, and how do you access it?

- What would be good indicators for wanting to sell, and how liquid is the market?

Thanks,

MH


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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 12:18:21 PM   
Vendaval


Posts: 10297
Joined: 1/15/2005
Status: offline 		Dig a hole in the back yard, insert a large safe, throw your money in it, stick a boulder on top of it all.  Done.

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So in this gray haze we'll be meating again, and on that
great day, I will tease you all the same."
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http://KinkMeet.co.uk

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 12:40:32 PM   
MrRodgers


Posts: 10542
Joined: 7/30/2005
Status: offline
quote:

ORIGINAL: CruelNUnsual

quote:

ORIGINAL: Owner59

The best investment we could make is to ban any neo-con from coming within 100 feet of the SEC or any position where they might have influence over the publics` finances.....


Id expand that to any politician who didnt spend at least 20 years running a substantial business and anyone who has taken PAC money or favors from  from a Wall Street firm/bank. Bye bye Barney and Chris

The only reason money flowed to any dems is because they routed the repubs 11/06. Tons of money went to the repubs when they had the majority.

Still makes my laugh to read that some think this plutocracy isn't bi-partisan. BTW, I've made 800% on Siri in the last few weeks, doubled my money on citigroup. I had a little liquid before this all went down and like the little bottom-fisher that could...could now pay of ALL of my debts.

Liquid again I may buy back into Siri for the 10 years plan which won't be 10 years because Malone and/or others may just make a tender offer. It should be a premium over 30-40 CENTS a share...ya think ?

What I like about precious metals is the lack of real volitility but it requires contracts (paper) and not the silver or gold itself. Plus, they have had a good fling already.

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 12:45:12 PM   
CruelNUnsual


Posts: 624
Joined: 9/28/2008
Status: offline 		The secondary market is pretty robust through brokers, and it will become more so as people wake up to the inflationary pressures the Democratic agenda is certain to create if passed.

When to sell is a "timing" decision like any other. The purpose is to let them appreciate while inflation is rising and then lock in long term rates when you inflation is nearing its peak. As I said in my prior post, that to me will be somewhere around long term yields of 10-11%. It was just a few years ago that the last of my 11% Treasuries from the 70s matured and there aren't many who beat that over 30 years (including gold and silver).

We are almost certainly about to enter another "Carter economy" but theres virtually no downside risk even if inflation doesnt run away...yields are so low in general that TIPS even without the inflation component are competitive. You may miss some of the eventual rebound in the equity market, but you arent going to be able to time that, and in 15-20 years you'll be sitting on great yields.

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 2:16:30 PM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline
quote:

ORIGINAL: CruelNUnsual

quote:

ORIGINAL: pahunkboy

I am sorry, but Treasuries are all wrong.  As are stocks, particularly finance stocks.

http://www.youtube.com/watch?v=Gwa-6gC70Q8   <--- to understand the bank mess, peek at this vid.

So- there really is only 4 assets worth putting your federal reserve notes (a debt instrument) to.   You MUST delete counter party risk.  (if you want to keep your wealth)

Silver.  GOLD.  Food.   Ammo.       Paper is paper.   PAPER is PAPER.

Since the bail out- this past fall- I became interested in Silver.   As of this week- it is up 30%-40%.    Counter party risk?   none.  paper?   nope.

This post is your advice of a lifetime.   THIS is your chance.    Today.  

.[wanta earn a nice interest rate?  Loan me  funds, and "I" will invest in silver.   Ill back it up with equity- which I actually DO have in my house, if interested drop me an email.]



As usual, youre wrong. And btw, im a financial analyst



LOLOL. 

...And I am the Dali Lamma!!!

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 2:19:14 PM   
CruelNUnsual


Posts: 624
Joined: 9/28/2008
Status: offline
quote:

ORIGINAL: pahunkboy



...And I am the Dali Lamma!!!



Since you can't even spell it, I highly doubt it.

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 3:39:51 PM   
DomKen


Posts: 19457
Joined: 7/4/2004
From: Chicago, IL
Status: offline
quote:

ORIGINAL: CruelNUnsual

The secondary market is pretty robust through brokers, and it will become more so as people wake up to the inflationary pressures the Democratic agenda is certain to create if passed.

Every time I see this claim I know I can write that person off as someone to respect about finance.

We just saw an enormous shrinkage of the money supply. This will lead to significant deflation if money isn't added to the economy. We learned this in the 1870's and again in 1929.

As to a safe investments at this time, the old adage is true buy low sell high. If you're in it for the longterm buy real estate and stock (I would stay out of financial services stocks due to the certainty of more mergers). If you're in it for the short term muni bonds with guaranteed, though modest, returns would be my choice.

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 4:14:54 PM   
CruelNUnsual


Posts: 624
Joined: 9/28/2008
Status: offline
quote:

ORIGINAL: DomKen

quote:

ORIGINAL: CruelNUnsual

The secondary market is pretty robust through brokers, and it will become more so as people wake up to the inflationary pressures the Democratic agenda is certain to create if passed.

Every time I see this claim I know I can write that person off as someone to respect about finance.

We just saw an enormous shrinkage of the money supply. This will lead to significant deflation if money isn't added to the economy. We learned this in the 1870's and again in 1929.





I see.  Yes the money supply has shrunk. But if you bothered to read my post I said if the current bailout and budget plans are implemented.

And if so the Obama proposed  $10 trillion  budget will be paid for how? By monetization, printing money, increasing the money supply..however you want to describe it. And when the money supply grows faster than GDP/GNP what happens?

IRMCYFI.

< Message edited by CruelNUnsual -- 3/30/2009 4:17:05 PM >

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 4:30:16 PM   
pahunkboy


Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline 		Oh god. I am going to vomit.   The deflation/inflation riddle.

The  IllumiATTI banking families,  13 of them,  who privately own the federal reserve.  Are dissolving the middle class.   Just as they have done since the 4th century.

The peon will not win.   The family will not win.  The hard worker wont win.

The winners are the international financiers who thru shell corporations plow wealth into Gold and Silver..... off shore..   While leaving the dummy portion of the company left- for the community to bail out.

'YOU ARE BEING ROBBED this very moment.
DOW 3800 by years end.

razzle dazzle smoke and mirrors.

Bean counters are a thing of the past. YOU count YOUR own beans.

No counter party risk.

Real estate has not hit bottom, and utility bills I get every money wont go down.

2 people compare today with the 70s.    A bad comparison.     We did not have 18 bail outs during that depression.     Said bail outs- mean money  must be earned to pay the bail outs.    By guess who?

The world is forever changed.   

Paper assets, are PAPER.  

Mind the counter party risk.  God knows it is a mine field.





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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 7:00:01 PM   
LookieNoNookie


Posts: 12216
Joined: 8/9/2008
Status: offline
quote:

ORIGINAL: MasterHypnotist

Seriously,

What are good personal financial strategies for pre-inflationary investing if your event horizon is 10 or more years away?

Assumptions
- Person is living under their means.
- No standing debt other than mortgage and car payment(s).
- Retirement accounts are a shelter, not the investment itself. "Anything" can be put into a retirement account.

In addition, as the advice giver, do you meet the above criteria, and is this something you are doing for yourself?

Here's to Hope and Change,

MH


Absolutely awesome questions!

1)  Today, cash is King.  (Get some).

2)  I made my best money in real estate (and so did everyone before me.....4 or 5 exceptions), and so will you if you're smart.

3)  There are always good deals in real estate (get some).

4)  Anyone that tells you they know the answers to investing....run.

5)  Real estate.  Get some.





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What I support:

A Conservative interpretation of my driving record
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Help for the truly greedy
Limited sexual deviance (of 10, 9 should be in my home)
Presumption Tax (Congressmen should be taxed t

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RE: If Saving or Investing Money is Still Legal... - 3/30/2009 10:47:23 PM   
popeye1250


Posts: 18104
Joined: 1/27/2006
From: New Hampshire
Status: offline 		I've been looking at a stock called PetroBras (PZE) the Brazillian oil company.
They discovered a huge field of oil off the Brazillian coast and from what I can gather it's bigger than the middle east!
And China is their biggest customer.
The stock is absolutely cheap by anyone's measure and you get a 5% dividend while you wait for it to go up.
Great "financials" too. Hope that helps.

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RE: If Saving or Investing Money is Still Legal... - 3/31/2009 6:03:49 AM   
MasterHypnotist


Posts: 120
Joined: 6/8/2006
Status: offline 		PAH,

I have always appreciated your well thought out, researched, documented, articulate posts. The consistency of your posts is a credit to your critical, and independent thinking. (Likewise, 059, it's as if you are different brothers from the same mother, it's almost eery, and yet comforting, at the same time.)

I hope you will not take umbrage, however, that when something comes across my screen from a credible source, that I also read or watch. Certainly I would never consider  neo-con counter party trash resources like The Wall Street Journal, Barrons, or a fee-only CFP for financial insight or advice in these obviously enlightened times. Rather, I would only consider enlightened, independent resources, such as the media home of Chris Matthews, MSNBC, whose objectivity in these turbulent times has been a true inspiration and model to us all.

Here is basic and broad stroke investment advice from MSN.com and Michael Brush, (please note, that is Brush, NOT Bush!)  http://articles.moneycentral.msn.com/learn-how-to-invest/whats-a-pe-and-9-other-dumb-questions.aspx

MH

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