I've posted a Guest Blog Entry at the Free from Broke site titled Playing Dominion vs. Playing the Market. Juicy Excerpt: It’s possible to finish a game of Dominion in 30 minutes.  Newcomers to the game make dumb mistakes the first time they play. They learn from those mistakes. They get better. Investing is a game that extends over 60 years of your life (if you start at age 25 and die at age 85).  By the time we figure the game out, it’s…
As a case in point, I present to you subprime auto loans, or loans given to consumers with less-than-prime credit scores (usually 550 to 619 on the FICO score scale). Having a lower credit score typically gives these folks fewer lending options, which allows lenders that are willing to work with subprime consumers to charge a notably higher interest rate, relative to prime-rated consumers. The problem is these consumers usually have subpar credit scores for a reason, and delinquency rates on these subprime and deep subprime loans are shooting higher.
“It Is Not Just That the Buy-and-Holders Get it Wrong. It Is That the Buy-and-Holders Cannot Tolerate Anyone Else Getting It Right. Buy-and-Holders Attack Those Who Advocate Research-Based Strategies Because, When People Come to See the Merits of Research-Based Strategies, It Makes the Buy-and-Holders Look Bad for Promoting the OPPOSITE of What Works. What Works Is to Always Practice Price Discipline When Buying Stocks. Buy-and-Holders Tell Investors NOT to Exercise Price Discipline (Long-Term Timing). Huh? What the F?”
According to Citigroup retail analyst David McCarthy, "[Tesco has] pulled off a trick that I'm not aware of any other retailer achieving. That is to appeal to all segments of the market".[99] One plank of this strategy has been Tesco's use of its own-brand products, including the upmarket "Finest", mid-range Tesco brand and low-price "Value" encompassing several product categories such as food, beverage, home, clothing, Tesco Mobile and financial services.[100]

The Retirement Risk EvaluatorRob pointed out the errors in the Old School safe withdrawal rate studies in May 2002. That post kicked off the biggest controversy in the history of the internet. Today, The Wall Street Journal, Smart Money and The Economist all acknowledge that Rob had it right all along. But they still don’t provide calculators that give the right numbers! The safe withdrawal rate is not a constant number but VARIES with changes in the valuation level that applies on the day the retirement begins. This calculator provides all the details you need for effective planning.

Note that TB is spread by poor sanitation and hygiene, that we can relate to the"unclean" in the passage above; and Babylon was in Iraq. And galaxy M82 is in the Great Bear constellation Ursa Major, that we can relate to Revelation 13 where the Antichrist has the mouth of a lion, feet of a bear. And the bear is the symbol of Russia, where the Antichrist Putin is in power. Also, concerning the TB bacteria discovery in 1882, see this page on how a cycle of events began in 1883.


Ekansh Mittal, Research Analyst, Katalyst Wealth, said market movement is like a pendulum; it keeps swinging between extremes. In 2017 and early 2018, smallcaps and midcaps were approaching higher extremes and now smallcaps and midcaps are approaching lower extremes. While one cannot predict market tops or bottoms, one can prepare and sow the seeds for future gains.”
Other research has shown that psychological factors may result in exaggerated (statistically anomalous) stock price movements (contrary to EMH which assumes such behaviors 'cancel out'). Psychological research has demonstrated that people are predisposed to 'seeing' patterns, and often will perceive a pattern in what is, in fact, just noise, e.g. seeing familiar shapes in clouds or ink blots. In the present context this means that a succession of good news items about a company may lead investors to overreact positively, driving the price up. A period of good returns also boosts the investors' self-confidence, reducing their (psychological) risk threshold.[60]
Early in February, I wrote on my personal Facebook page that on February 11, 2018, there would be a Sun -Jupiter square transit that is connected to the market astrophysics, and, more specifically, the stock market crash 2018. This transit usually brings market depression or reversal of direction in the period starting anywhere between 10 days BEFORE this aspect and a day or so AFTER the aspect. In fact, the October 2008 and 1962 crashes occurred exactly when Sun squared Jupiter.

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.

Pour ma part, j’ai un peu tout voulu faire tout seul car j’avais pris la décision de m’inscrire (j’avais lu toutes les infos sur leur site – peut-être un peu vite), je démarrais avec une petite somme (donc je me sentais un peu ridicule d’appeler un conseiller pour placer ~$2,000) et je voulais commencer à épargner au plus vite. J’ai juste échangé plusieurs e-mails au départ car il y a eu un peu de délai pour établir mon prélèvement automatique avec ma banque (je suppose que les institutions bancaires ne doivent pas leur faciliter la tâche) et pour le transfert de mon CELI. Leur service à la clientèle est très réactif. Plus tard, j’ai eu au téléphone le gestionnaire de portefeuille Québec de Wealthsimple basé à Montréal (Joseph Kindarji) pour faire annuler mon transfert de CELI. Tout s’est très bien passé, il a été efficace, a répondu à mes questions et il n’a pas essayé de me « vendre » autre chose.
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(10) Europe, Russia, and the Muslim world. Watch out for Russia, an increasingly negative influence could arise there. Not the type of democracy we see in the West. This relates to the Confederation of Independent States being originally a Confederation of 10 states, although I think it is more now. There is a red 10-horned beast in Revelation, that is a nasty creature. It is explained in Revelation that this is a Confederation of 10 states.
The current bull market is now in its 10th year. We have no idea when it might end and give way to a bear market. However, it’s inevitable that at some point it will. Twice during 2018 we have already seen a spike in market volatility. This inevitably leads to fears of a market crash. The truth is that a stock market crash can never really be predicted. People who predicted crashes in the past are the same people who predicted crashes in the years they didn’t happen.
On October 31, Halloween, children and adults alike enjoy playing with the frightful themes of death surrounding the feast’s mixture of Christian All Saints’ Day and Celtic pagan origins. But, in 2017, if you are one of millions of people who have investments, here’s something all too real and scary to rob you of your sleep. This Warren Buffett Indicator predicts a stock market crash in 2018.
Set forth below are eight Guest Blog Entries I have written dealing with the Valuation-Informed Indexing investment strategy or that others have written commenting on it. 1) The Risks of Buy-and-Hold Investing, at the Pop Economics blog. 2) Valuation-Informed Indexing Is Risk-Diminished Investing, submitted to Pop Economics but ultimately posted at A Rich Life. 3) When Stock Prices Crash, Where Does the Money Go?, at the Budgets Are Sexy blog. 4) Stock Market Strategy: Timing Based…
Jump up ^ Sylla, Richard (2015). "Financial Development, Corporations, and Inequality". (BHC-EBHA Meeting). As Richard Sylla (2015) notes, "In modern history, several nations had what some of us call financial revolutions. These can be thought of as creating in a short period of time all the key components of a modern financial system. The first was the Dutch Republic four centuries ago."
Thus, Buffett has not said anything specific to the effect of “the stock market will crash in 2018.” He doesn’t have to make any such statement. An expert prediction is just that: a prediction. The smarter the expert, the less tendency there is to trust forecasts and prophecies. But if you use the expert prediction as a guide to understand what’s happening, you can detect trends. Thus, you can prepare and take appropriate actions that will not leave you stranded. If the negative predictions do materialize, you can take comfort in the fact you were ready. If they don’t, you can enjoy the favorable outcome with everyone else.
2007 was the third year of drier weather and the onset of the Great Recession.  2008 and 2009 were wetter than 2007 but, then, 2010 turned drier by an inch and 2011 still drier by two additional inches.  2012 continued the short dry trend and was the driest year since 1988!  The economy indeed struggled throughout 2012 although stocks regained much of their Great Recession loss.  2013 finally reversed the drop in precipitation (don’t try to tell that to Californians) with an average gain throughout the U.S. of 1.12 inches.  Drier conditions in 2014 stalled but did not stop the gradual market rally.
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? Somehow OD missed Reagan in the 1980s and his near 5% average GDP economic increase during his 8 years in office. Reagan was following Carter's disastrous economic recession, >12% inflation, >7% unemployment presidency. Obama's economic record is debatable w/ a <3% GPD increase all 8 years. Yesterday, the Dow closed at an all time high due to a projected Trump presidency. Just trying to help, I know you wouldn't want incomplete economic data & facts. (MW) I'll give OD credit for trying to educate people on nearly 90 years of conservative government economic policy in a meme.
On October 31, Halloween, children and adults alike enjoy playing with the frightful themes of death surrounding the feast’s mixture of Christian All Saints’ Day and Celtic pagan origins. But, in 2017, if you are one of millions of people who have investments, here’s something all too real and scary to rob you of your sleep. This Warren Buffett Indicator predicts a stock market crash in 2018.
Pour ma part, j’ai un peu tout voulu faire tout seul car j’avais pris la décision de m’inscrire (j’avais lu toutes les infos sur leur site – peut-être un peu vite), je démarrais avec une petite somme (donc je me sentais un peu ridicule d’appeler un conseiller pour placer ~$2,000) et je voulais commencer à épargner au plus vite. J’ai juste échangé plusieurs e-mails au départ car il y a eu un peu de délai pour établir mon prélèvement automatique avec ma banque (je suppose que les institutions bancaires ne doivent pas leur faciliter la tâche) et pour le transfert de mon CELI. Leur service à la clientèle est très réactif. Plus tard, j’ai eu au téléphone le gestionnaire de portefeuille Québec de Wealthsimple basé à Montréal (Joseph Kindarji) pour faire annuler mon transfert de CELI. Tout s’est très bien passé, il a été efficace, a répondu à mes questions et il n’a pas essayé de me « vendre » autre chose.

I think the message here is that, near the midpoint between these two locations, is the town of Lordsburg, New Mexico, a name with a Biblical message. One way to consider numbers, in a religious sense, is to convert them to Biblical passage numbers. The midpoint is at 108.85 W, and if you consider Biblical Psalm passage 108:4,5 you have (King James Version): "For thy mercy is great above the heavens, and thy truth reacheth unto the clouds. Be thou exalted, O God, above the heavens: and thy glory above all the earth." So this Bible passage fits a comet, certainly.
"REMEMBER 1987"     The similarity with the day of Option Expiry on October 16, 1987 and today, Friday, January 15 is quite remarkable and reminds us of the extreme danger, as the stock market Crashed on Monday, October 19th. Here we are going into a three-day weekend with the markets as jittery as a Cat on a Hot Tin Roof! The Crawford Perspectives newsletter remains doubled up Short 200% (using full margin).
There are a lot of threats to the market, not the least of which is that this bull is long in the tooth and valuations have gotten quite high. However, making market predictions is an exercise in hubris. I have lost much more money than I have made in the stock market by listening to one prediction or another. These days, I try to stay diversified in good quality assets (not just stocks) and don’t base my holdings on what I think the market will do in the future.
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