Set forth below are links to eight Guest Blog Entries that I have written on the Valuation-Informed Indexing investing strategy or that others have written commenting on it (actually one is about the Passion Saving strategy of money management -- how did that one get mixed in?!). 1) Stock Volatility Kills, at the Moolanomy blog. 2) Why Long-Term Timing Works Even Though Short-Term Timing Doesn't, at the Money and Such blog. 3) We're All Better Off as a Result of the Stock Crash, at the…
Unfortunately, the Fed is fallible, just like stock market investors. If inflation -- i.e., the rising price of goods and services -- begins to heat up, the nation’s central bank could choose to get considerably more hawkish with its monetary policy. Or, in plainer English, it could get more aggressive with hiking its benchmark short-term interest rate between banks. Should that happen, interest rates for variable rate loans and mortgages would be expected to rise. This, in turn, could put the brakes on economic growth, as well as increase delinquency rates tied to variable rate loans.

Any backlash won’t come until after NASDANQ is live. The team has been working on the project since August, but Vaisman admits “it’s taking some time.” He says once the NASDANQ website launches (at a to-be-determined date, with a mobile app coming later), the algorithm will probably have to be tweaked several times before it feels accurate. Wink says the ultimate goal is to find “the equation for one meme across every website and every platform.”


Adam Sandler, Cookie Monster, and Friday: THURSDAY eting David Beckhan denuclearisation of Iran. 15:00 Agriculture and fisheries review with Ozzy Osbourne. 17:00 Visiting Fraggle Rock to discuss antisemitism in the media. FRIDAY 10:00 Rail infrastructure focus group with 14:00 Opioid crisis summit with Jim Carrey 16:00 Stock market update from The the cast of Stranger Things. and Adam Sandler Cookie Monster. After meeting with Kim Kardashian, President Trump confirms his schedule for the rest of this week:
Sornette probes major historical precedents, from the decades-long "tulip mania" in the Netherlands that wilted suddenly in 1637 to the South Sea Bubble that ended with the first huge market crash in England in 1720, to the Great Crash of October 1929 and Black Monday in 1987, to cite just a few. He concludes that most explanations other than cooperative self-organization fail to account for the subtle bubbles by which the markets lay the groundwork for catastrophe.
Set forth below are eight Guest Blog Entries discussing various aspects of the Valuation-Informed Indexing investing strategy and on the Passion Saving money management strategy. 1) The Future of Investing, at the Get Rich Slowly forum (this is actually a thread-starter at a discussion board rather than a Guest Blog Entry -- I put it forward in this form at the request of J.D. Roth, the owner of both the blog and the forum). 2) Why Buy-and-Hold Investing Can Never Work (this is actually a…
The critical point where bubbles end happens as investors begin to think that the rally is over. It is when this opinion travels deep into the system and becomes generalized that the system ends up in a crash. The paradox here is that a crash is often (and mistakenly) characterized as “market chaos.” In fact, it is the opposite: a crash reflects a highly ordered market, when everyone does the same thing (i.e. sell). A truly “chaotic” market is one where everyone is doing something different, interactions offset each other and price volatility remains low.
The blogger who owns the Bad Money Advice site has put forward a post offering reasoned skepticism re the Valuation-Informed Indexing strategy. The title of the post is The Truth About the Shiller PE. Good stuff, Frank! Juicy Excerpt #1: "I do not know that Prof. Shiller has ever gone so far as to advocate that people use cyclically adjusted PE (CAPE) to make investment decisions." Juicy Excerpt #2: "Shiller does his best to warn people off relying on CAPE, saying that it 'has to be…

Hi Craig, with only two days left now until the Brexit referendum, the statisticians are now that the chances of leaving Europe are now only 1/5. Polls and opinion are saying it’s 80% likely there will be a vote to remain (this may be directly linked to recent news events/incidents at the weekend, along with media scaremongering). Worth noting, that last week it was an even 50/50 chance for Brexit. So, do you still believe a Brexit will occur in two days time on the 23rd June 2016? And if it doesn’t would it be in the nations best interest to Br-remain?

In the 1920’s, banks were opening up at the rate of 4 to 5 per day.  There were few federal restrictions to determine start up capital needed to start up a new bank or how much of its reserve it could lend.  As a result, most of these banks were highly insolvent.  Banks were closing at the rate of 2 a day between 1923 and 1929.  Then as banks moved to invest heavily in the stock market, this proved to be a disaster when the market crashed.  By 1932, 40% of all banks were wiped out.
I’m less concerned than our friends at the Fed. Businesses are rebelling in mass against Trump’s punitive tariffs on steel, aluminum, and lumber. Trump is still blind to his own economic idiocy as I write. Given the torrent of negative press on tariffs in recent weeks, I suspect that a member or two of his retinue will force him to see the light. They’ll force him sooner than later.

Moi je cherchais à investir dans des produits plus « exotiques », c’est à dire pas juste sur le terrain de la bourse. Mon conseiller actuel n’a pas peur d’aller jouer dans ces produits (avec mon accord bien sur). On parle ici de « limited partnership » qui permet la participation dans des cies avant même leur entrée en bourse (IPO) ou encore des investissements dans des projet privés d’investissement en immobilier commercials majeurs ou encore dans des fonds d’actions accréditives 100% déductible d’impôts avec bonus donnée par les différents palliers de gouvernement.
(7) Diseases. Disease epidemics could be a worsening problem in 2018 - 2019, including Bird Flu or H3N2 Flu Influenza, and SARS could return -- I think these are diseases that could cause great problems over the next 5 years. And antibiotic resistant bacteria infections. Watch out for worsening worldwide disease epidemics in 2018-2019, including Ebola and Flu and Zika Virus. And this disease epidemic could be Ebola, or swine flu, or Flu strain H3N2 Fujian, which is a severe strain that began as an outbreak in 2003, or it could more likely be bird flu type H5N1 causing a severe epidemic in birds - chickens, ducks, etc.- but that can spread to humans. H3N2 Fujian began in Fujian Province in China, (associating it with the Red Dragon, Red China, in Revelation 12), and bird flu began in Korea in Dec. 2003, but previously there was a 1997 outbreak in Hong Kong, associating it with the dragon. The concern is that bird flu is very deadly to people, and if it mutates to spread from person to person then it could cause a deadly worldwide pandemic in 2018 - 2019. And swine flu began speading worldwide from Mexico in April 2009, see the calendar page and Flu page on it. See the King James Bible Code matrices on diseases, including the possibility of an airborne Ebola outbreak, and a deadly Swine Flu mutation.

Your thoughts are profound and most of them very well corresponds with the warnings of the Muslim saints and seers. You do not sound like” a religious maniac” at all and I think most of what you have foretold in your(Latest World Predictions for 2017) will God-willing come to pass. All of us as members of the same human family, have a duty to pray for peace, unity and happiness for the entire suffering humanity. All acts violence against innocent people across the globe ought to be condemned.
Memes, Recess, and Depression: A Short History Lesson 1928 Republicans take control of the Presidency, the House and the Senate. Followed shortly by the Great Depression, massive unemployment and a Stock Market crash. 2000 Republicans take control of the Presidency, the House and the Senate. Followed shortly by two recessions including the Great Recession, massive unemployment and a Stock Market crash. 2016 Republicans take control of the Presidency, the House and the Senate. Anyone want to guess what happens next? Real Truth Now Image from Real Truth Now
Set forth below is the text of a comment that I recently posted to the discussion thread for another blog entry at this site: “I hope that helps a bit. I have heard of the Coffeehouse Portfolio. I don’t know what the Cowards Portfolio is. I obviously get it that a three-fund portfolio would include three funds but I couldn’t tell you what those three funds would be. These questions don’t interest me too much.” So you don’t really know what is in all those portfolios as well as their strategy, yet you say that they will all lose 50% of their value and that VII is superior. I don’t say that. It’s the last 37 years of peer-reviewed research in this field that says that. I REPORT it. I am a reporter. That’s the kind of thing we do. We don’t just push smiley-face marketing slogans. We REPORT realities. What if these funds went by the name of “The Irrational Exuberance Portfolio”? Do you think that would sell? Why do you think they don’t do it that way? It’s because they want to turn a quick buck. Valuation-Informed Indexing is what works. Buy-and-Hold is what sells. It can’t all be about marketing. When millions of middle-class people see their lifetime savings wiped out, they are going to get angry. When they learn that there were people trying to tell them what the last 37 years of peer-reviewed research teaches us about how stock investing works in the real world, their anger is going to intensify. The Buy-and-Hold marketing slogans will be spoken as obscenities in those days. Not a good thing. There’s plenty of money to be made in this field telling the truth. You could have all these funds and still tell people the truth about the need to practice price discipline (long-term timing) when buying stocks and the funds would actually work and people would like them. The problem stems from the fact that we didn’t always know everything there is to know about how stock investing works, and when Shiller published his Nobel-prize-winning research, the Buy-and-Holders elected to ignore it rather than to work up the courage to say the words “I’ and “Was” and “Wrong.” Now we are in a trap. It is now 500 times harder for Bogle and the other Buy-and-Holders to say those words than it would have been to say them […]
America, Anaconda, and Isis: When your GDP growth is higher than anyone expected, ISIS is on the run, the stock market is skyrocketing, and China is cooperating with you against North Korea, but the media still says your presidency is a failure. Despite historic Democrat obstructionism, President Trump has worked with Congress to pass more legislation in his first 100 days than any President since Truman, appointed a Supreme Court Justice, withdrew from the Trans-Pacific Partnership, dismantling Obama-Era Regulations, President Trump Has Reduced The Debt By Over $100 Billion, Illegal crossings from border down 61%, Stock market has gained over 3 trillion dollars since he was electedBest numbers from small businesses since 1984, Saved jobs from going overseas such as intel, wal-mart, exxon mobil, carrier, ford, general motors, fiat chrysler, sprint, one web, and softbank. Trump has also created over 1 million private sector jobs since january more than any other president liberal maga conservative constitution like follow presidenttrump resist stupidliberals merica america stupiddemocrats donaldtrump trump2016 patriot trump yeeyee presidentdonaldtrump draintheswamp makeamericagreatagain trumptrain triggered Partners --------------------- @too_savage_for_democrats🐍 @raised_right_🐘 @conservativemovement🎯 @millennial_republicans🇺🇸 @conservative.nation1776😎 @floridaconservatives🌴
Watched CNN and CNBC for first time in years today. Then went over to Fox for a bit.. Very little info on world market crash today.. It is stunning how information is being skewed to the masses. All they were really talking about was Trump and HilLary, and oh yes those brave American terrorist beaters. The depth of denial in our country is breathtaking. I feel like I am living in an alternate reality, the world is crashing around our ears and very few seem to give a rats ass, unbelievable. Went and had two of my rifles bore sighted , zeroing them agian at range tomorrow. Bought 500.00 of emergency food, and ordered a good solar watch I have been looking at.Picking up extra 1000 rounds of Ar, and 250 rounds for my 308. Feel like I have very little time to finish preps. I also ordered a cast iron wood stove and am picking up 4 cords of wood this weekend. I hate feeling this paranoid but damn how can one take a sane look at our world and not be. God bless and protect you all in the coming weeks.

Le fonds New Canada de Mawer génère un rendement moyen annualisé net de 11.25% depuis 10 ans contre 1,16% pour l’indice de référence. Ce fonds affiche un rendement moyen net de 13,6% depuis sa création en 1988 (frais de gestion: 1,35%). Si vous patientez pendant 30 ans, vous seriez plus riche aujourd’hui (malheureusement ce fonds est fermé aux investisseurs).


I've posted a Guest Blog Entry at the Barbara Friedberg Personal Finance blog titled Predicting Stock Returns for Fun and Profit. Juicy Excerpt: My guess is that most people don’t bother trying to make long-term predictions because they assume it would take a lot of work to pull them off. Nothing could be farther from the truth. Every factor that affects the price of a broad stock index is reflected in the price of that index. So you don’t need to worry about inflation or productivity…
Set forth below are links to Guest Blog Entries I wrote dealing with the Valuation-Informed Indexing strategy and to discussion-board threads relating to the new stock investing approach: 1) What Bogle Says About Valuation-Informed Indexing, at the Balance Junkie site; 2) How Has Buy-and-Hold Survived So Long?, at the Hope to Prosper site; 3) How to Change Your Stock Allocation in Response to Valuation Shifts, at the Free From Broke site; 4) Predicting Stock Returns for Fun and…
In the United Kingdom Tesco operates a home shopping service through the Tesco.com website. In May 1984, in Gateshead, England, Mrs. Jane Snowball used a piece of computer technology called "Videotex" on her television to purchase groceries from her local Tesco shop in the world's first recorded online shopping transaction from the home.[66][67][68] As of November 2006, Tesco was the only food retailer to make online shopping profitable.[69]

“Investors” on the subreddit are granted 1000 units of NASDANQ (the name of the market they’ve created) currency when they first join, with an aim to make as much profit as possible. The meme market operates just like any other stock market – new memes that are on the rise are desirable, while when a meme is decaying, those participating in the market try and sell it off as quickly as they can.
So this is the rectified chart I did. In this one you can see Uranus hitting the Saturn in the 9th and Pluto is at 19 degrees. In this one Mars is right on the cusp of the 5th. The 5th rules gambling and we can see Venus/South Node/Sun/Mercury transiting the 7th making a roll over natal Pluto in Aquarius (7th house/legal issues) and most of those planets making an opposition to the natal Uranus in the 1st house. Neptune is also in the 8th starting to oppose the natal Mars and starting an inconjunction to natal Uranus in the 1st – lots of volatility. Transiting Saturn is also in the 5th making a trine to Venus causing constriction in gambling but it seems to suggest that once it moves past the 5th it could settle down. Now I’m going to go back to the alternate chart and see if it makes a big difference for this same period.
En faisant les choses soi-même dans la vie, on sauve généralement beaucoup d’argent, mais il y a toujours le risque de moins bien faire le travail qu’un professionnel. Par contre, dans le cas de faire des placements simples en bourse, je crois que c’est suffisamment simple et surtout très payant de le faire soi-même. On parle de probablement plusieurs dizaines de millier de dollars sur une vie.
In the 1960s, Tesco set up a non-food division, Tesco Home 'n' Wear, headed by Leslie Porter. It had stand-alone shops and departments in larger shops, and from 1975 a distribution centre in Milton Keynes. Although Tesco continued to stock non-food items the stand-alone shops were closed and the name was no longer in use when Tesco Extra was launched.[83][84][85]
Courtyard of the Amsterdam Stock Exchange (Beurs van Hendrick de Keyser) by Emanuel de Witte, 1653. The Amsterdam Stock Exchange is said to have been the first stock exchange to introduce continuous trade in the early 17th century. The process of buying and selling the VOC's shares, on the Amsterdam Stock Exchange, became the basis of the world's first official (formal) stock market.[30][31]
In a sense, it's understandable why panic occurs. In fact, one key ingredient for crashes is often panicked investors. First off, there is typically something big and scary associated with a crash. Yet, it's often temporary. It's important to remember that the markets have endured world wars, nuclear weapons, disease epidemics, inflation spikes, mass unemployment and presidential assassinations and in each case global markets have generally come back to make new highs.
If Sathya Sai Baba incarnates as Prema Sai then one of his tasks he says is to reform Christianity. I believe that this will happen and Christianity will survive into the distant future but it will be very far removed from the blind bigotry, self-righteousness, propaganda and fear mongering that we see today. Take the egotism out of it and let it’s message of love and service shine through and you are left with something worthy.

Tesco purchased the restaurant and cafe chain Giraffe in 2013 for £48.6 million.[43] In 2014, it began to open restaurants within some of its shops. The company set up Tesco Family Dining Ltd in 2014 as part of a new department called 'new food experience', including Core Cafes, Giraffe, Decks and Euphorium bakeries. That year, Tesco reached an agreement to take the in-shop cafes run by Compass Group and Elior back under its own control, so as to improve its dining offering.[44]
Thank you. I don’t get to my desk as often as I like, when I am travelling, but I have an opportunity to sit down with comments and questions this week. Your stepfather’s chart is missing from this and you need to have all the charts there if you are to figure out a three-way property or financial agreement. You also have Fortuna at 1 Scorpio in your Eighth House of houses, apartments, bank accounts, and the rest. In the middle of May, Uranus moves to 0 Taurus, right opposite your Fortuna, for the first time in your life. He will slowly cross to 1 Taurus and for most of the rest of this year, you will need to deal with a situation which is by its very nature unpredictable, erratic and hard to call – in terms of any previous experience you may have had. Just be aware of that. It’s quite true that Jupiter with all his solutions and abundant opportunities will cross your Mars at 20 Scorpio this year too and that’s worth using, but you do need to be a total realist about Uranus in Taurus. We have not seen this since the Thirties.
Rather than trying to time the market, which is incredibly hard to do and often counterproductive, it can be helpful to remember that the attractive long-term returns to the stock market include many market crashes. Depending on your measurement criteria, time-period and exactly what index you look at well-diversified portfolio have averaged returns of around 6%-10% a year over time.
Finally, sentiment. If the busboy just bought a new diesel VW with the money he made trading Apple? Keep an eye on things. There was a TV ad during the naz peak (1999?) for Schwab or whomever. FADE IN: Guy standing next to broken down car on the side of the road. Tow truck pulls up. Tow driver hooks him up and off they go. Inside the truck the passenger points to a big color picture of an island. He says “what’s that?” Tow driver says “that’s mine.” The passenger looks incredulous...”You own an island?” Tow driver smiles “well yea, I bought it with the money I made in the market…but, it’s not really just an island.” passenger bites...”Then what is it?” Driver replies…”it’s a country.”

I recently started a thread at the Early Retirement Extreme Forum titled Risk Revisited. Juicy Excerpt #1: I view the attitude toward risk that Kevin is describing (he is accurately describing the Buy-and-Hold approach) as exceedingly dangerous. In all other areas of life endeavor, we think of risk as something to be avoided. When it comes to investing, we think of risk as something to be sought out. I believe that this is why we are in an economic crisis today. We have taught millions of…

I exhaled, and Vashistha started to deliver my financial destiny.  As he sat in a chair across from me, the experience felt a bit like visiting with my shrink: yet, instead of unpacking my past with care, he gently entered into dialogue about my future. He consulted with his tablet and the chart he drew, but mostly he looked directly at me to make his statements. In his first proclamation, he determined that my wife and I will have a lasting marriage and will have twins (a boy and a girl) in the next three years. Better start contributing to some 529 plans, I thought to myself.


You were born with Aesculapia at 2 Cancer in your Fourth House of property, houses and apartments. Psyche at 1 Taurus in your Second House of banks, assets and debts. The North Node at 0 Sagittarius in your Ninth House of foreign faces and places. The South Node at 0 Gemini in your Third House of internet and negotiation. Put all that together and you have quite a story about home as an investment, home as a financial obligation, but also home as ‘home’ in the real sense of the word. When Uranus moves into Taurus in May 2018 and slowly passes 0, 1, 2 Taurus you will be directly affected by a global economic revolution, and in your own country, radical changes affecting everything from pensions to property prices. Aesculapia is about something/someone which comes back from the brink. Often this is a house or apartment you have given up on, which you either renovate back to life – or perhaps a property comes back on the market. Then we have the Gemini-Sagittarius question about foreign faces and places and the internet plays its part there too. I suspect this is about a substantial asset, as Psyche is about what lives on after you have gone, and she is in Taurus – all that you earn, own or owe. At the very heart of this cycle are your values. What you will and will not sell your soul for. Who or what you consider to be priceless. You are going to be asked to look at that very, very deeply and make a new life budget. Uranus in Taurus 15/05/2018 to 05/11/2018 starts the cycle, then it picks up again after a break during the re-entry of Uranus in Taurus 06/03/2019 – we then see this cycle extending to 06/07/2025 but you will feel it most powerfully in May, June 2018 and at the start of 2019. Bitcoin will have a massive impact on the world then and the ripples will reach you.
Sinon, les robot-conseillers, tel que WealthSimple, premettent d’établir un prélévement automatique chaque mois. Moyennant des frais de 0.5%, le robot s’occupe de placer votre argent dans les fonds, de diversifer les placements et de rééquilibrer votre portefeuille. Je n’ai jamais utilisé de telles plateformes, mais certains lecteurs disent en être satisfaits.
Une plateforme de courtage en ligne vous permettra plus de flexibilité. Toutes les grandes banques offrent une telle plateforme. Personellement, j’utilise BMO Ligne d’action. Vous pouvez faire vos recherches, mais peut-être utiliser votre banque comme point de départ. Dans tout les cas, l’institution choisie vous assistera dans le processus d’ouverture de compte.

Tax avoidance has not always related to corporation tax. A number of companies including Tesco used a scheme to avoid VAT by deeming 2.5% of purchases paid for by card to be a 'card transaction fee', which reduced the company's tax liability without changing the charge to the customer. Such schemes came to light after HMRC litigated against Debenhams over the scheme in 2005.[147]
{+/-} This is the most important market indicator.  Major financial down turns have correlated remarkably well with Mars-Jupiter-Saturn aspects.  A brief history illustrates:  The three-planet cycle correctly indicated a correction near August and December 2007.  The next Mars-Jupiter-Saturn aspect was in January 2009, correctly predicting the Great Recession.  Mars-Jupiter-Saturn again formed an aspect with one another in August 2010.  The market did reach a yearly low (9686 DJIA) the week ending July 2.  March 2011 was the next alignment, which correlated with a severe market reversal in August dropping to 10,818, and briefly breaking this low the week ending September 23, before climbing right above 12,000 by the end of the year.  There was another Mars-Jupiter-Saturn aspect peaking in July 2013 but this produced null effects.  The next market downturn was expected near February 2017 triggered by Mars opposition Jupiter.  This was realized the week ending November 4, 2016 with a short but sharp downturn.

It is hard to imagine that a tumble in stock prices—even one as dramatic as Monday’s—could shake economic sentiment enough that policy-makers would need to try to lift anyone’s spirits, given how robust economic figures have been of late. To say the fundamentals are strong tempts fate, but the fundamentals are as strong as they have been in over a decade. Of course, it is when things seem rosiest that policy-makers are most prone to underreact to a bump in the road. This crash is probably nothing. But they always are, except for the times when they aren’t.


HARRY DENT JR.: We may be starting a topping process. I’m seeing signs of that, but it hasn’t yet been proven. We ought to see the market start to go down by early next year. If it doesn’t, I’m going back to the drawing board. If the market doesn’t start crashing by late January or early February, then we aren’t topping here. But we’re saying there’s going to be a crash. It’s just a matter of when [exactly].

Hi, thanks for your work. I know you said that a couple of US ships sank already in a training exercise, but when you wrote about a big sinking event of a US boat I recalled that some time back Iran claimed to have “carrier-killer” torpedo. Not long ago after the US/Iran “Deal” was nixed Iran said it had total control of the Straights of Hormuz, and since then there seems to be radio silence concerning Iran, no news at all in the major outlets. Maybe it’s a carrier that’ll sink? Only time will tell I guess.

There was a chart floating around in early 2014 that had a 97.5% correlation between the stock market of 1928-29 and the stock market of 2013-14. That chart boldly predicted a massive stock market crash in 2014. Instead, from when the market was supposed to crash into the end of the year, stocks rose nearly 10%, and were in the middle of the longest bull market in history.
Memes, Recess, and Stock Market: A Short History Lesson 1928 Republicans take control of the Presidency, the House and the Senate. Followed shortly by the Great Depression, massive unemployment and a Stock Market crash. 2000 Republicans take control of the Presidency, the House and the Senate. Followed shortly by two recessions including the Great Recession, massive unemployment and a Stock Market crash. 2016 Republicans take control of the Presidency, the House and the Senate. Anyone want to guess what happens next? Real Truth Vow This will NOT end well.

Note: One reason why a Southern California large earthquake has not occurred is because there may be an alien UFO base off the coast of Los Angeles (LA), and the aliens may be preventing a Southern California San Andreas Fault quake which could damage their underwater base. They may be slowly releasing the earth stress to prevent a quake there. A lot of UFOs have been seen entering and leaving the deep water off the coast of L.A., so its very likely they have an underwater base there. Therefore it is unlikely there will be a major Southern California Quake in future years. Controlling earthquakes is easy for these aliens. 

TALK WITH AN INVESTMENT PROFESSIONAL. HE CAN ADVISE YOU ON OPENING AN ACCOUNT THAT MATCHES YOUR GOALS. I WOULD SUGGEST AN INDEX FUND FOR THOSE WITH LIMITED KNOWLEDGE OF THE MARKET. INVESTING IN INDIVIDUAL STOCKS IS A MIGHTY RISKY BUISNESS. THERE ARE SOME GOOD MUTUAL FUNDS BUT YOU REALLY NEED PROFESSIONAL HELP HERE, AND TAPE RECORD EVERYTHING THE SALESPERSON TELLS YOU.
The racial composition of stock market ownership shows households headed by whites are nearly four and six times as likely to directly own stocks than households headed by blacks and Hispanics respectively. As of 2011 the national rate of direct participation was 19.6%, for white households the participation rate was 24.5%, for black households it was 6.4% and for Hispanic households it was 4.3% Indirect participation in the form of 401k ownership shows a similar pattern with a national participation rate of 42.1%, a rate of 46.4% for white households, 31.7% for black households, and 25.8% for Hispanic households. Households headed by married couples participated at rates above the national averages with 25.6% participating directly and 53.4% participating indirectly through a retirement account. 14.7% of households headed by men participated in the market directly and 33.4% owned stock through a retirement account. 12.6% of female headed households directly owned stock and 28.7% owned stock indirectly.[14]
Also: August 13 1999 was the significant future date on the Aztec Sun calendar from Mexico of 500 years ago, and August 13 1999 was predicted by the Aztecs to be an important day of change for mankind, that would change the world, as described in the book: "Day of Destiny, Where will you be on August 13 1999?", by John Mini, published 1998 by Trans-Hyperborean Institute of Science.
Clear all your debts in 2018 and do whatever it takes even if you have to skip the daily coffee or even make a major property downsize. You have so much useful Jupiter action in your Eighth House and also that Nodal pass over your Fourth House of property, triggering your natural luck factors – that’s one green light after another. Watch what goes down in May, June 2018 and again in the opening months of 2019 as you are going to be buying and selling real estate in a completely different climate. Forget what used to be, or what you used to know. You are going to have a pretty wild ride through all this, but you will gain if you recognise Jupiter when he knocks on the door. He typically arrives as the right person you need, at the right time, in the right place. We can often be complacent about Jupiter moments, but they pass so quickly. Try to jump on whatever comes. And drop a coin in a wishing well.

Hi Craig, its always nice to come across someone who has a real talent for these things; my only concern is that it just seems like the world is going to hell in a hand basket… What are your thoughts on the development of a the human race over the coming centuries, do your abilities extend this far? if not, will we ever see more peaceful and prosperous times in the next coming years?? if you have already shared these thoughts before I apologise! Take Care
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The New York Stock Exchange (NYSE) is a physical exchange, with a hybrid market for placing orders electronically from any location as well as on the trading floor. Orders executed on the trading floor enter by way of exchange members and flow down to a floor broker, who submits the order electronically to the floor trading post for the Designated Market Maker ("DMM") for that stock to trade the order. The DMM's job is to maintain a two-sided market, making orders to buy and sell the security when there are no other buyers or sellers. If a spread exists, no trade immediately takes place – in this case the DMM may use their own resources (money or stock) to close the difference. Once a trade has been made, the details are reported on the "tape" and sent back to the brokerage firm, which then notifies the investor who placed the order. Computers play an important role, especially for program trading.
Memes, Recess, and Depression: A Short History Lesson 1928 Republicans take control of the Presidency, the House and the Senate. Followed shortly by the Great Depression, massive unemployment and a Stock Market crash. 2000 Republicans take control of the Presidency, the House and the Senate. Followed shortly by two recessions including the Great Recession, massive unemployment and a Stock Market crash. 2016 Republicans take control of the Presidency, the House and the Senate. Anyone want to guess what happens next? Real Truth Now Image from Real Truth Now
There will be a re-vamp of the flag. It will appear in the corner of the European nation’s flags as the stars appear in the corner of the USA Flag. (Flag not happened yet but the call for a 10/10 Correct European army has happened in November 2018. Predictions made in September 2018. See Sky News: “Donald Trump and Emmanuel Macron in frosty meeting after French leader’s call for EU army”)
The sandpile study was introduced in a 1987 paper by Per Bak, Chao Tang and Kurt Wiesenfeld, three scientists working at the Physics Department at the Brookhaven National Laboratory. Ironically, the paper was presented to Physical Review Letters a few months before the stock market crash of October 1987, still today the largest ever one-day drop. The title was "Self-Organized Criticality" and falls within a branch of mathematics known as Complexity Theory, which studies how systems can organize themselves into unexpected behaviors arising from the interaction of its smallest and seemingly independent components.
However I am anxious about the upcoming changes in may. We went ‘sale agreed’ on a house last week and are in a 6-8 week long process of buying a family home. My husband 11/03/73 bought a tiny house at the height of the Celtic tiger which has been a great burden financially and it was finally looking like we would be able to move to a modest 3 bed and settle down with our five year old ( he is mad to finally get a pet! And I can’t wait to have a garden)
The number of major store chains shutting down or downsizing is remarkable. One of the latest to fall is Toys “R” Us. Some may find consolation in the fact that one of the reasons for the crumbling of traditional brick-and-mortar stores—but by no means the only one—has been Amazon.com, Inc. (NASDAQ:AMZN). But the day could come when even this giant is slain.

August has been a study in contrasts, another month in which calm persisted in the U.S. despite jarring news flow. Daily volume dropped to an average of 6.1 billion shares, the second lowest since last October. Negative headlines flashed, from an escalation in trade tensions to emerging market turmoil to continued political chaos in Washington. Yet none was enough to rock the market out of its slumber.
“Investing isn’t rocket science,” says Janet Tyler Johnson, certified financial planner and president of JATAJ Wealth Management. “The keys to long-term investment success are globally diversifying your money, keeping costs low, and rebalancing your accounts as needed. And don’t forget the Golden Rule of investing – if you don’t understand it, don’t invest in it.”
Shadox at the Money and Such blog recently posted a Guest Blog Entry by Schroeder, a regular at John Greaney's Goon Central board. It was called A Critique of Valuation-Informed Indexing. Juicy Excerpt: A few weeks ago I published a guest post by Rob of A Rich Life. In doing so, it appears that I inadvertently stumbled into the middle of a religious war. Schroeder, a critic of Rob's, has asked me to post the critique which follows, and having read it, I thought I would share it with my…
La plupart du temps, les robot-conseillers utilisent des FNB. Et, les FNB sont composés de milliers de titres d’entreprises. Ainsi, ils reflètent le rendement du marché dans son ensemble. Ce rendement est similaire à celui des fonds communs, sur le long terme. Je me méfierais donc sérieusement des planificateurs financiers qui disent pouvoir constamment battre le marché. Donc, à mon avis, cet argument ne tient pas la route.
For example, a situation may arise in which there are apparently offsetting influences of planetary transits from benefic Jupiter and malefic Saturn to key natal planets. In those instances, an astrological analysis is perhaps better off deferring judgement until other planetary influences come in to tip the balance. In this way, the best approach is for a selective application of astrological insights at critical turning points in the market. So while it may not be clear just how a stock will move over a period of days, weeks or even months, the astrologer will be able to identify critical time windows that have a much greater likelihood of ups or downs. Knowing these times of probable market outcomes can come in very handy to the trader, even if they only occur sporadically.
A spin-off of the typical Drake meme, where famous hedge fund manager Michael Burry shows his preference for Subprime over the clothing brand Supreme. Burry is famous because he predicted the subprime mortgage crisis and made money by shorting the market. This scene is from the movie The Big Short, in which Burry is portrayed by actor Christian Bale. If you haven’t seen the movie yet, then what the hell are you doing looking at stock market memes?
Bonjour Jean-Sebastien! Je viens de terminer la lecture de vos articles et je dois dire que vous me motivez encore plus à acquérir mon indépendance financière. Étant encore relativement jeune et aux études (21 ans et en voie de commencer son MBA l’année prochaine), l’objectif semble encore loin, mais facilement atteignable avec de la motivation! J’aimerais cependant avoir votre avis sur les stratégies de placement. Comme j’ai pu constater suite à la lecture de vos articles sur l’investissement, vous privilégiez beaucoup les FNB aux autres produits de placement à cause de leurs faibles frais de gestion et vous semblez être plus réticent face aux fonds communs investis à l’aide d’un conseiller financier. Cependant, que pensez vous des fonds communs investis à l’aide de plateforme de courtage en ligne qui diminuent considérablement les frais de gestion? En investissant dans des fonds commun de série D (directement en ligne) plutôt que A (avec conseiller) les frais peuvent souvent se réduire de moitié pour tourner autour de 1%. J’aimerais avoir votre avis sur cette situation. Merci beaucoup et continuez votre bon travail! J’espère pouvoir vous rencontrer un jour et échanger sur votre expérience.
A little more than a week later, stocks sank after a tweet from the president challenged the idea that Russia’s missile defense system could shoot down American smart bombs. Investors clearly worry that Trump’s tweeted rhetoric could be taken the wrong way by one or more global leaders, leading to escalation, or even conflict. Should that happen, the stock market could tank.
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