misc.invest.financial-plan Google Group

Re: Is it time to re-enter the stock market?

mhaus...@googlemail.com (Turtle) — Sat, 07 Nov 2009 20:34:57 UT

Hallo BB,
Why should returns on bonds or bond funds be low .
The interest rate from the FEDs is still low.
As longs as they are low bonds bring good returns.
If inflation comes and the FEDs are forced to up the interst rates than
bonds will suffer.
CU
John

Re: Is it time to re-enter the stock market?

ya...@nospam.net (Yadda) — Sat, 07 Nov 2009 18:06:34 UT

on 11/4/09 11:30 AM Morgan said the following:
Too cautious? The volatility is off the charts in bonds and stocks.
The Big Boy Banks are back to helping others lever up (with taxpayer
money) to bet on currency, carry trade, and commodities. How can oil be
$80/barrel in the USA with ~18% unemployment and horrible car sales?

Re: Is it time to re-enter the stock market?

ya...@nospam.net (Yadda) — Sat, 07 Nov 2009 18:04:14 UT

on 11/7/09 6:56 AM Yadda said the following:
Also in a period (i.e. years) of continuing write downs it is
unconscionable to use operating earnings for the CNBC talking heads.
Reported Earnings (that include write offs) are the critical measure in
this economy as companies can run out of funding very quickly.

Re: Is it time to re-enter the stock market?

ya...@nospam.net (Yadda) — Sat, 07 Nov 2009 12:56:46 UT

on 11/4/09 11:30 AM Morgan said the following:
Looks like a big crash is coming across all asset classes. The tsunami
will be Option ARMs, Commercial Real Estate, and Leveraged Commodity and
Carry Trade. Probably not until early next year as the FED/Treasury
will be propping up the economy on funny money until the moment of

Re: Medicare question

avrum...@verizon.net (Avrum Lapin) — Thu, 05 Nov 2009 23:27:39 UT

In article <8n16f5t3po367obuh22v5e0grj2r0 gd...@4ax.com>,
Everyone (except those on MedicAid) will pay the same "1st tier" part B
premium - $96.40 for those who were in Medicare Pt B in 2009, $110.50 if
you join Medicare in 2010. The $96.40 will remain in effect until at
least 2012 and any increase after that will be limited to the COLA

Medicare question

skip5700removet...@yahoo.com (HW Skip Weldon) — Thu, 05 Nov 2009 17:20:28 UT

Medicare has just announced new premium bands for 2010. Essentially,
beneficiaries whose adjusted income exceeds the target amounts
($85,000 single, $170,000 joint) will see steep premium hikes.
Current beneficiaries whose income is under those thresholds will not
see a premium increase for 2010. Rather, the increase that would have

Re: Is it time to re-enter the stock market?

lianci...@gmail.com (Morgan) — Wed, 04 Nov 2009 17:35:11 UT

If the stock market declined by 50% tomorrow, that convention wisdom
would still be correct. The key word here is "long term". Short timers
always get screwed, boom or bust.
Timing is just as you say, 'lucky'. Not repeatable!
Ignore these experts, there are no experts in the stock market, I only
see wary old men, worried middle aged men and enthusiastic young

Re: Rolling into an employer plan to postpone RMDs

lianci...@gmail.com (Morgan) — Wed, 04 Nov 2009 17:35:10 UT

I don't have any advice I can give, but tell that guy fair play, he
sounds like a devil of a worker. Better suggest giving him a 'hobby'
after he retires, or else he'll be very unhappy (and a lot of hard
workers die after they retire, if they 'slow' gradually, they stand a
very good chance of improving their life expectancy. Look into this,

Re: Is it time to re-enter the stock market?

lianci...@gmail.com (Morgan) — Wed, 04 Nov 2009 17:30:38 UT

I know what you mean, but I suggest using P/E10 as your ratio, where
you average the earnings for the last ten years for your 'E', you
can't really rely on using P/E except when the market has been normal
for a while, they can be highly subjective.

Re: Is it time to re-enter the stock market?

lianci...@gmail.com (Morgan) — Wed, 04 Nov 2009 17:30:40 UT

Hello Skip,
The crash changed nothing. Once in while the market goes crazy, this
is to be expected. Right now people are a little too cautious for
their own good.
=== bitchy comments begin here ==
Once every 20-50 years, you expect to get around two crazy periods
where 20 years of gains get wiped (out of 18 - 48 other 20 year time

Re: how to analyze property performance

camg...@att.net (Cam) — Tue, 03 Nov 2009 10:22:27 UT

The way I look at it isn't necessarily the way your CPA looks at it.
Do your taxes correctly. I find it easiest to lump all the recurring
expenses/income together and all the one time expenses/income
together.
So I consider the monthly principal payment to be a recurring
expense. The principal (paydown) gain when I sell a one time income.

Re: how to analyze property performance

pleasenos...@microsoft.com (Wallace) — Tue, 03 Nov 2009 10:25:10 UT

news:2009110212363043042-dwzimm@telusnet...
I understand "buy and hold", that's for darn sure. I also know that as long
as you are holding something, you should manage it well. so, annual
analysis is wise.
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Re: how to analyze property performance

dwz...@telus.net (Don) — Tue, 03 Nov 2009 02:55:59 UT

Yes, that is true. If you invest in rental property, you have to plan
in advance about cash flow and allow for vacancies, repairs, etc. It is
best to make a big down payment, so that mortgage payments do not eat
up all the cash from rentals. If you can't afford a big down payment,
go for a lower-priced property where you can afford one. But that kind

Re: how to analyze property performance

m...@invalid.com (Will Trice) — Tue, 03 Nov 2009 02:05:07 UT

Don wrote:
What do you want to compare it to? I would think that as long as you
use consistent measures for your comparisons, the measure you use is
arbitrary. When I had residential rental property, I used total return.
I neglected depreciation since that would be recovered in a sale of
the property. This may not apply if your investment property is commercial.

Re: how to analyze property performance

dwz...@telus.net (Don) — Mon, 02 Nov 2009 20:35:41 UT

Those concerns may be interesting and productive for those who have the
time and resources to spend on them, but I suspect they may be putting
too much emphasis on current performance of real estate investments, as
opposed to long-term appreciation. I get the impression it is sort of
like being concerned with the current dividends and short-term