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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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Wonderful. 18 pages of crap that has not one thing to do with Baja. You guys have outdone yourselves.
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Barry A.
Select Nomad
Posts: 10007
Registered: 11-30-2003
Location: Redding, Northern CA
Member Is Offline
Mood: optimistic
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Dennis---------It's not "crap", and it effects Baja as well as every other place in the world.
Oxxo (I think) ---- The MSCI WORLD INDEX has averaged that amount (14.9%) annually long term prior to late 2007. Obviously, with the down turn of the
recent past it is a little lower now, but I can't seem to find out what it is now (but I did not look too hard, either). Find a portfolio manager
that uses the MSCI WORLD as their benchmark, check to see if they match it, or better yet 'beat it' long term, and invest with him/her and let them do
the work. That is what I do. I use the services of KEN FISHER INVESTMENTS, and have for some time. I also use the info from Fisher to manage my
self-managed portfolio, and pretty much duplicate his returns.
Make sure that your money is held in a separate acct. from your Manager (like Schwab) so that you don't have a "Berney Madoff". experience.
That's it. http://www.liquida.com/page/20635268/
If you decide to go with FISHER, let him know that I sent you as he pays me to refer people to him. (I am serious)
incomes of the 1% vs the 99%----http://www.liquida.com/page/28419270/
US Census info----http://www.census.gov/hhes/www/income/data/incpovhlth/2010/index.html
Barry
[Edited on 10-31-2011 by Barry A.]
[Edited on 10-31-2011 by Barry A.]
[Edited on 10-31-2011 by Barry A.]
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oxxo
Banned
Posts: 2347
Registered: 5-17-2006
Location: Wherever I am, I'm there
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Mood: If I was feeling any better, I'd be twins!
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Quote: | Originally posted by Barry A.
Find a portfolio manager that uses the MSCI WORLD as their benchmark, check to see if they match it, or better yet 'beat it' long term, and invest
with him/her and let them do the work. |
Thanks Barry, I will do that and give it a whirl. If it works, then I can teach the less fortunate than I, to do the same thing. It doesn't cost me
anything and yet it improves the lives of others. I guess that's the difference betqween a liberal and a conservative.
Quote: | If you decide to go with FISHER, let him know that I sent you as he pays me to refer people to him. (I am serious) |
No, I am going to randomly pick one of the unemployed at Occupy Wall Street as my referral. No offense and I hope you understand. If the system
works for that person, then I would tell them to pick another unemployed person as their referral, not I. That way the profits keep circulating.
When it comes down to it, maybe that's the real difference between a liberal and a conservative.
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Barry A.
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Posts: 10007
Registered: 11-30-2003
Location: Redding, Northern CA
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Mood: optimistic
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Quote: | Originally posted by oxxo
Quote: | Originally posted by Barry A.
Find a portfolio manager that uses the MSCI WORLD as their benchmark, check to see if they match it, or better yet 'beat it' long term, and invest
with him/her and let them do the work. |
Thanks Barry, I will do that and give it a whirl. If it works, then I can teach the less fortunate than I, to do the same thing. It doesn't cost me
anything and yet it improves the lives of others. I guess that's the difference betqween a liberal and a conservative.
Quote: | If you decide to go with FISHER, let him know that I sent you as he pays me to refer people to him. (I am serious) |
No, I am going to randomly pick one of the unemployed at Occupy Wall Street as my referral. No offense and I hope you understand. If the system
works for that person, then I would tell them to pick another unemployed person as their referral, not I. That way the profits keep circulating.
When it comes down to it, maybe that's the real difference between a liberal and a conservative. |
Using someone else as a "referral" is an excellent idea, but unfortunately for legal reasons that won't work. I have a written agreement with Fisher
Investments about referring prospective clients to them, and compensation is circuitous and only occurs when FI actually excepts a new client, and
even then I am not directly paid--------my portfolio is enhanced, and/or Fee's waived, or something like that---------I can't remember exactly how
that works, but it is complicated because of numerous regulations.
Good Luck.
Barry
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Iflyfish
Ultra Nomad
Posts: 3747
Registered: 10-17-2006
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Quote: | Originally posted by David K
You know what people?:
The liberals are always going to blame business (corporations) and want to take other peoples' money (taxes) so a big nanny government can take care
of them and their new age projects (global warming, green whatever, close public lands to the public, etc.). In power, they want to get as many people
to be receiving government aid as possible, as an insurance card for their re-election.
The conservatives are always going to blame big government and want to keep what they worked hard for, and get people off their butts or back to their
families for help. They believe the constitution isn't something that needs to be changed, but instead is the instructions for how this republic is to
be operated. Government's duties are limited to protecting the people from force or fraud and to create an atmosphere that allows business to prosper
and create oportunity for everyone.
Liberals believe compassion is people receiving government assistance.
Conservatives believe compassion is people no longer needing government assistance!
Maybe some of you never realized that conservatives are the 'good folks' who want America to be better for EVERYONE or just fell for the Michael Moore
types that say how bad America is?
One thing for sure, I don't think liberals are the 'open minded' bunch who seek truth, because when facts are provided, they always go back to the
same old name calling.
If George Bush spending a billion dollars on bailouts was bad, how does Obama spended 3 billion or more make it good???
It is easy, but you have to wake up some day and proclaim your independence.
The more money taken from you (taxes), the less freedom you have.
One party wants you to keep more of your money (and use it, which creates jobs), and the other party wants you to give government more of your money
(or take it from people who earned it).
I wish we could all be friends, and do what we love, and help each other, too. We don't need someone 3,000 miles away pretending to be our friend,
telling us what to do, and replacing local communities with federal control.
Choose Freedom!
No Reply Required, but think about it... before we loose any more of this once great and free country!
Thank you for your time.
David
(I ask that if you do respond to this post, copy none or all of it, and not a just piece, out of context) |
David
The "good folks" have opposed all intervention in global warming claiming it does not exist. This head in the sand belief, funded by Corporate
Interests, has inhibited the development of technology to fight this very real problem allowing Europe and Asia to eat our lunch in those fields.
Skeptic finds he now agrees global warming is real
http://hosted.ap.org/dynamic/stories/U/US_SCI_CLIMATE_SKEPTI...
By SETH BORENSTEIN
AP Science Writer
WASHINGTON (AP) -- A prominent physicist and skeptic of global warming spent two years trying to find out if mainstream climate scientists were wrong.
In the end, he determined they were right: Temperatures really are rising rapidly.
The study of the world's surface temperatures by Richard Muller was partially bankrolled by a foundation connected to global warming deniers. He
pursued long-held skeptic theories in analyzing the data. He was spurred to action because of "Climategate," a British scandal involving hacked emails
of scientists.
Yet he found that the land is 1.6 degrees warmer than in the 1950s. Those numbers from Muller, who works at the University of California, Berkeley and
Lawrence Berkeley National Lab, match those by the National Oceanic and Atmospheric Administration and NASA.
He said he went even further back, studying readings from Benjamin Franklin and Thomas Jefferson. His ultimate finding of a warming world, to be
presented at a conference Monday, is no different from what mainstream climate scientists have been saying for decades.
One-quarter of the $600,000 to do the research came from the Charles Koch Foundation, whose founder is a major funder of skeptic groups and the tea
party. The Koch brothers, Charles and David, run a large privately held company involved in oil and other industries, producing sizable greenhouse gas
emissions.
Muller's research team carefully examined two chief criticisms by skeptics. One is that weather stations are unreliable; the other is that cities,
which create heat islands, were skewing the temperature analysis.
There is no reason now to be a skeptic about steadily increasing temperatures, Muller wrote recently in The Wall Street Journal's editorial pages, a
place friendly to skeptics. Muller did not address in his research the cause of global warming. The overwhelming majority of climate scientists say
it's man-made from the burning of fossil fuels such as coal and oil. Nor did his study look at ocean warming, future warming and how much of a threat
to mankind climate change might be.
Still, Muller said it makes sense to reduce the carbon dioxide created by fossil fuels.
Edited for brevity.
Iflyfish
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Iflyfish
Ultra Nomad
Posts: 3747
Registered: 10-17-2006
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Quote: | Originally posted by Barry A.
Fish-------to me the truth is that the Admin./Fed. has really very little it can do to help, other than stay out of the way. But they can hinder
improvement by discouraging business, mostly small business, from moving ahead and hiring again (bla bla bla). This is what they have been doing, and
you know all the reasons why that is true as I KNOW you have been listening. (more blaw, bla, bla)
Most of the Tea Party rally's here in Redding, Ca are small business people saying this exact same thing, many of them my friends.
Barry |
WASHINGTON (AP) -- Key proposals from the Republican presidential candidates might make for good campaign fodder. But independent analyses raise
serious questions about those plans and their ability to cure the nation's ills in two vital areas, the economy and housing.
Consider proposed cuts in taxes and regulation, which nearly every GOP candidate is pushing in the name of creating jobs. The initiatives seem to
ignore surveys in which employers cite far bigger impediments to increased hiring, chiefly slack consumer demand.
"Republicans favor tax cuts for the wealthy and corporations, but these had no stimulative effect during the George W. Bush administration, and there
is no reason to believe that more of them will have any today," writes Bruce Bartlett. He's an economist who worked for Republican congressmen and in
the administrations of Presidents Ronald Reagan and George H.W. Bush.
As for the idea that cutting regulations will lead to significant job growth, Bartlett said in an interview, "It's just nonsense. It's just made up."
Government and industry studies support his view.
The Bureau of Labor Statistics, which tracks companies' reasons for large layoffs, found that 1,119 layoffs were attributed to government regulations
in the first half of this year, while 144,746 were attributed to poor "business demand."
http://hosted.ap.org/dynamic/stories/U/US_REPUBLICANS_QUESTI...
Iflyfish
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oxxo
Banned
Posts: 2347
Registered: 5-17-2006
Location: Wherever I am, I'm there
Member Is Offline
Mood: If I was feeling any better, I'd be twins!
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Quote: | Originally posted by Barry A.
Using someone else as a "referral" is an excellent idea, but unfortunately for legal reasons that won't work. I have a written agreement with Fisher
Investments about referring prospective clients to them, and compensation is circuitous and only occurs when FI actually excepts a new client, and
even then I am not directly paid--------my portfolio is enhanced, and/or Fee's waived, or something like that---------I can't remember exactly how
that works, but it is complicated because of numerous regulations. |
Barry, stop making excuses. You are going to get some benefit from a referral, regardless of what the actual agreement is. Take that referral fee
(however it is paid) in a like amount of money, pick an unemployed person at random, and help them invest it in the same manner as when you started
out. It doesn't cost you anything in your portfolio. A referral fee is in effect "free" money to you. Help someone who is less fortunate than you
by teaching them how to invest. Yes, let's get everyone off the public social assistance programs by teaching them how to be successful on their own.
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Barry A.
Select Nomad
Posts: 10007
Registered: 11-30-2003
Location: Redding, Northern CA
Member Is Offline
Mood: optimistic
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Fish-------I just read that article cited and "linked" above------I saw no input from the Supply-Side of the issue----NONE!!!
To me, without both sides being presented, it is simply an interesting article from one side of the arguement. I would need to read comments and
testimony from the Art Laffer group of economists before making ANY decision on the validity of what this article is saying.
As for "Climate Change"-------yes, it is happening, and it will continue to happen as it always has. Do you really think that the cost benefit ratio
of "man" trying to fight it is exceptable? I don't.
Barry
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Barry A.
Select Nomad
Posts: 10007
Registered: 11-30-2003
Location: Redding, Northern CA
Member Is Offline
Mood: optimistic
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Quote: | Originally posted by oxxo
Quote: | Originally posted by Barry A.
Using someone else as a "referral" is an excellent idea, but unfortunately for legal reasons that won't work. I have a written agreement with Fisher
Investments about referring prospective clients to them, and compensation is circuitous and only occurs when FI actually excepts a new client, and
even then I am not directly paid--------my portfolio is enhanced, and/or Fee's waived, or something like that---------I can't remember exactly how
that works, but it is complicated because of numerous regulations. |
Barry, stop making excuses. You are going to get some benefit from a referral, regardless of what the actual agreement is. Take that referral fee
(however it is paid) in a like amount of money, pick an unemployed person at random, and help them invest it in the same manner as when you started
out. It doesn't cost you anything in your portfolio. A referral fee is in effect "free" money to you. Help someone who is less fortunate than you
by teaching them how to invest. Yes, let's get everyone off the public social assistance programs by teaching them how to be successful on their own.
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I have tried to do that, several times-----help people, that is. I am not a patient man, nor would I be a good teacher. In ALL cases people agreed
to do what I said I thought they should do, and then did nothing!!! I even once called a friend here in Redding from Hawaii when the Market made a
dramatic shift, telling her NOW is the time to shift your money from "cash" into the Market---------she said "YES, OK, I will do it"-------and later I
found she did nothing. Very discouraging. But I still tell people my story, and my beliefs, and then what they do with that info is totally up to
them. I don't even want to know.
By the way, so far I have NOT been able to steer anybody to FISHER that actually became a client------many people are soooooo hesitant to do much of
anything to help themselves, apparently------an attitude that I think is reinforced by the mainstream media, and politicians of the liberal
pursuation. All very frustrating as I see them flounder and sink further into dispair, knowing how they could reverse that. (sigh)
Barry
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Barry A.
Select Nomad
Posts: 10007
Registered: 11-30-2003
Location: Redding, Northern CA
Member Is Offline
Mood: optimistic
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Since I brought up Ken Fisher's name in previous posts I thought I should do some research on the net to see if there were any negative
voices---------WOW, yes there are!!! There was one site that had dozens of folks howling that "Fisher lost me money"-----all centered around the
period between mid-2007 to late 2008 and into 2009. Duhhhhhhhhhhhh, EVERYBODY (almost) in the Market during that time "lost money"--------what in
the world did these people expect??????? And then some proceed to disect what happened by spending hours researching all the 'what if's' and seeing
where Fisher "went wrong", and then they actually publish their "findings" on the net, or to magazines, all crying "foullllll" and "how nasty and
despicable" this "fraud" is---"this Fisher guy"-----"if not a crook, then certainly a despicable human being for misleading all these poor unfortunate
folks that came to him" for God-Like wisdom. Good Gawd, what garbage!!!!!
Amazing what people get upset about, and then instantly want to blame somebody else-------and cry "sue, sue, sue". I could not keep from
laughing-------these folks must ALL be Democrats, but of course I have no proof of that.
Just wanted you all to be aware---------FISHER is not God!!!!
Barry
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JoeJustJoe
Banned
Posts: 21045
Registered: 9-9-2010
Location: Occupied Aztlan
Member Is Offline
Mood: Mad as hell
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Quote: | Originally posted by Barry A.
Dennis---------It's not "crap", and it effects Baja as well as every other place in the world.
Oxxo (I think) ---- The MSCI WORLD INDEX has averaged that amount (14.9%) annually long term prior to late 2007. Obviously, with the down turn of the
recent past it is a little lower now, but I can't seem to find out what it is now (but I did not look too hard, either). Find a portfolio manager
that uses the MSCI WORLD as their benchmark, check to see if they match it, or better yet 'beat it' long term, and invest with him/her and let them do
the work. That is what I do. I use the services of KEN FISHER INVESTMENTS, and have for some time. I also use the info from Fisher to manage my
self-managed portfolio, and pretty much duplicate his returns.
Make sure that your money is held in a separate acct. from your Manager (like Schwab) so that you don't have a "Berney Madoff". experience.
That's it. http://www.liquida.com/page/20635268/
If you decide to go with FISHER, let him know that I sent you as he pays me to refer people to him. (I am serious)
incomes of the 1% vs the 99%----http://www.liquida.com/page/28419270/
US Census info----http://www.census.gov/hhes/www/income/data/incpovhlth/2010/index.html
Barry
[Edited on 10-31-2011 by Barry A.]
[Edited on 10-31-2011 by Barry A.]
[Edited on 10-31-2011 by Barry A.] |
Warning "Baja Nomad" members Barry A's so-called Ken Fisher investment strategies are very very risky, especially given the typical age of "Nomad"
members since so many members are of retirement age, and shouldn't be in equities 100 percent like Ken Fisher, and Barry A claims he blindly
follows Fisher's advice in his own portfolio.( a good rule of thumb is using the opposite of your age. If your 30 than perhaps 70 percent of your
holdings should be in stocks, and if your 70 than only 30 percent of your holding should be in stocks depending on your risk factors. The rest put in
fixed instruments like bonds, CDs, annuities safe from market risk, and even a little gold.)
It's especially bad to be 100 percent in stocks in this trading environment since Bush almost brought the USA to a full blown depression in 2007 and
most growth stocks fell at least 50 percent until Obama stimulated the economy and the stocks came roaring back with US government, FED action, and
program trading that propped up many US stocks.( US car companies are good examples
Many say the other shoe is ready to drop, and the US economy remains very shaky and economies around the world are even worse, and those smaller
European countries if they go belly up can hurt financial markets in the US.
It's very careless to take a one size approach to all investors like Fisher Investments tends to do to make money for themselves, and could care less
about their investors members. ( Ken Fisher does look like he is the real deal, and knows a lot about trading stocks, but that doesn't mean the
typical investor should blindly follow Fisher)
Stocks have historically been the best place to put your money like Real Estate, but look what happened to real estate. This is a whole new world, and
past behavior on stocks doesn't guarantee future results. You need to thread carefully in this trading environment:
From Wikipedia where a Fisher salesman talked a retired client to roll the dice and put all her money in risky stocks, which promptly lost half their
value, and went against the retired women's own investment goals:
____________________________________________
Controversies related to Fisher Investments Inc.
On July 7, 2011, Bloomberg News reported that, according to an interim arbitration award, "Fisher Investments Inc. may have to pay damages of $376,075
for breaching its fiduciary duty to a retired investor", Sharyn Silverstein. According to the arbitrator, Karen Wilcutts, Silverstein contacted Fisher
Investments to request a copy of a free book. According to Bloomberg: "In conversations with Fisher representatives in 2007 Silverstein made it clear
that she and her husband, Seth, intended to take withdrawals from their investments after her husband retired, which he was planning to do at the end
of that year, the [interim award] said. When her assigned investment counselor with the firm drew up her recommended portfolio... he entered that she
had no income needs from her portfolio and that her only objective was to increase the value of her investments at the time of her death. The
Silversteins have no children and therefore have no need to leave an inheritance, the award said." Fisher Investments pressured Silverstein, aged 64,
into liquidating all of her fixed income investments, and investing them in equities. In the arbitrator's words,
Fisher simply made the same recommendation to Ms. Silverstein that it makes to the vast majority of its clients: 100 percent equities benchmarked
to the MSCI World (MXWO) index.
Silverstein reportedly lost about $376,075 of her initial investment of $876,357.
[Edited on 10-31-2011 by JoeJustJoe]
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Barry A.
Select Nomad
Posts: 10007
Registered: 11-30-2003
Location: Redding, Northern CA
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Mood: optimistic
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Good post, JoeJoe, and certainly a legit point of view.
I went to Fisher BECAUSE he mirrored my phylosophy on investing, not because I was "following" him. Yes, it is more risky than mattress stuffing, but
most "conventional-wisdom" investments for we "older" folks are a guaranteed way to slowly and painfully lose money over time, thru inflation, and I
think flawed. But you are certainly right that many can't stand the volatility of staying fully invested, but that is an emotional decision, not a
sound financial decision, to me at least. I want max. return for my invested buck, and I maintain a 20 year plus time horizon so don't really care
about Market fluxuations as long as long term I make money. I only take 3% of my gross investments out each year to live on, and the principal it
will certainly out-last me unless the entire Market blows up (which is possible, of course), outlast my wife, and hopefully my kids and grandkids if
properly invested (like I hope I have done). If the Market blows up, then all bets are off, and I am not sure I want to be around if that happens.
But, your points are certainly the conventional wisdom and well stated.
Barry
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MrBillM
Platinum Nomad
Posts: 21656
Registered: 8-20-2003
Location: Out and About
Member Is Offline
Mood: It's a Zip-a-Dee-Doo-Dah Day
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Peligrosa
WARNING !
Danger - Danger - Danger.
Taking advice from Lebanese Land-Scam Con-Artists is FAR MORE DANGEROUS than anything else one might do.
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mtgoat666
Select Nomad
Posts: 18400
Registered: 9-16-2006
Location: San Diego
Member Is Offline
Mood: Hot n spicy
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Quote: | Originally posted by Barry A.
Good post, JoeJoe, and certainly a legit point of view.
I went to Fisher BECAUSE he mirrored my phylosophy on investing, not because I was "following" him. Yes, it is more risky than mattress stuffing, but
most "conventional-wisdom" investments for we "older" folks are a guaranteed way to slowly and painfully lose money over time, thru inflation, and I
think flawed. But you are certainly right that many can't stand the volatility of staying fully invested, but that is an emotional decision, not a
sound financial decision, to me at least. I want max. return for my invested buck, and I maintain a 20 year plus time horizon so don't really care
about Market fluxuations as long as long term I make money. I only take 3% of my gross investments out each year to live on, and the principal it
will certainly out-last me unless the entire Market blows up (which is possible, of course), outlast my wife, and hopefully my kids and grandkids if
properly invested (like I hope I have done). If the Market blows up, then all bets are off, and I am not sure I want to be around if that happens.
But, your points are certainly the conventional wisdom and well stated.
Barry |
barry,
you approach is sound, but you are probably in unique position with a govt pension to fall back on. most people don't have defined benefit pension
plans to fall back on when wall st robber baron brokers game the market next time to fleece their clients.
nothing like selling mortgage-backed securities to your investment clients at same time you are betting on the securities to fail -- real win-win
scenario there!
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Iflyfish
Ultra Nomad
Posts: 3747
Registered: 10-17-2006
Member Is Offline
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Quote: | Originally posted by Barry A.
Fish-------I just read that article cited and "linked" above------I saw no input from the Supply-Side of the issue----NONE!!!
To me, without both sides being presented, it is simply an interesting article from one side of the arguement. I would need to read comments and
testimony from the Art Laffer group of economists before making ANY decision on the validity of what this article is saying.
As for "Climate Change"-------yes, it is happening, and it will continue to happen as it always has. Do you really think that the cost benefit ratio
of "man" trying to fight it is exceptable? I don't.
Barry |
In fairness to Barry A. I post a link to the Laffer Group and its history of Supply Side Economics.
http://web2.uconn.edu/cunningham/econ309/lafferpdf.pdf
Read here about the impact of the Bush Tax Cuts on Economic Growth.
http://moneywatch.bnet.com/economic-news/blog/maximum-utilit...
Laffer makes interesting reading and I would encourage people to take the time to read him. Theories are one thing and outcomes are another.
Iflyfish
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mtgoat666
Select Nomad
Posts: 18400
Registered: 9-16-2006
Location: San Diego
Member Is Offline
Mood: Hot n spicy
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Quote: | Originally posted by MrBillM
WARNING !
Danger - Danger - Danger.
Taking advice from Lebanese... is FAR MORE DANGEROUS than anything else one might do. |
please explain why lebanese-american advice is less trustworthy than irish-american advice.
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wessongroup
Platinum Nomad
Posts: 21152
Registered: 8-9-2009
Location: Mission Viejo
Member Is Offline
Mood: Suicide Hot line ... please hold
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Thanks to all ... a very interesting discussion on "investing" approaches...
It is a big game... if ya play... and it's based on your tolerance to "risk"... some play loose ... other conservative...
Myself ... I'm conservative in my investing... go out of the market... Nov 2006..upon retirement..
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mtgoat666
Select Nomad
Posts: 18400
Registered: 9-16-2006
Location: San Diego
Member Is Offline
Mood: Hot n spicy
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can your employees afford to purchase your products?
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JoeJustJoe
Banned
Posts: 21045
Registered: 9-9-2010
Location: Occupied Aztlan
Member Is Offline
Mood: Mad as hell
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Quote: | Originally posted by mtgoat666
Quote: | Originally posted by MrBillM
WARNING !
Danger - Danger - Danger.
Taking advice from Lebanese... is FAR MORE DANGEROUS than anything else one might do. |
please explain why lebanese-american advice is less trustworthy than irish-american advice. |
Oh BTW JoeJustJoe(me) is not an Lebanese-American and You Goat aren't Mexican-American. Goat comes off as a white latte drinking liberal.
I'm a Chicano who was born in LA.
I have worked in the financial services department wearing many different hats over the years off and on, and I have seen it all and have heard it all
too, and it's all mostly BS.
Nobody has a crystal ball, and it's rare the best money mangers could beat a blind folded monkey throwing darts and using that method to pick stocks.
The monkey wins most of the time.
I'm pretty much out of the market right now, except for my current holding that I rarely sell. But I am pretty good at evaluating stocks, trading
strategies, and potential scams. I can usually spot them miles away.
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mtgoat666
Select Nomad
Posts: 18400
Registered: 9-16-2006
Location: San Diego
Member Is Offline
Mood: Hot n spicy
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Quote: | Originally posted by JoeJustJoe
Goat comes off as a white latte drinking liberal.
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is that an insult? or a compliment? or meant to be neutral descriptive?
what is bad about whites, lattes and liberals?
when does starbucks begin serving eggnog lattes??
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