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Topic: Obama Smartest, Most Honest< Next Oldest | Next Newest >
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PostIcon Posted on: Nov. 16 2012,6:01 pm  Skip to the next post in this topic. Ignore posts   QUOTE

(Common Citizen @ Nov. 16 2012,4:47 pm)
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Only an idiot would think that a bond is the only fixed income investment.

Oh god I have to hear this.. Please share.. :rofl:
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PostIcon Posted on: Nov. 16 2012,6:45 pm Skip to the previous post in this topic. Skip to the next post in this topic. Ignore posts   QUOTE

(alcitizens @ Nov. 16 2012,4:32 pm)
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Sell before Maturity & Interest Rates have gone up.
An investor buys a 10 year U.S Treasury Note with a face value of $1,000 and an interest rate of 4.26%. If the investor sells the bond before it matures and interest rates have risen 2%, he or she would only receive $863.34 (plus any interest paid before the sale).

This example basically implies that borrowing rates for the U.S. government jump 2% overnight.  And under these circumstances you are telling us that we should all be in equities?  

Do you know the price of this bond if I sell it in 5 years and rates are up 2%?  What's the price of the bond if I sell it 8 years and rates are up?

This $1,000 face value bond will pay $42.60/year in interest.  If we ignore the time value of money then it takes about 3.2 years for this bond to earn enough interest so that even if rates drop 2% this investment will not lose money for the investor.  Of course if I sell this bond 3 years from today and rates are up 2% it would be priced at $889.38, so technicially this investor is up $17.18.  Certainly not a huge return, but then not everyone should be hunting for huge returns.

Seriously, you should talk to someone before moving completely into equities.
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PostIcon Posted on: Nov. 16 2012,9:28 pm Skip to the previous post in this topic. Skip to the next post in this topic. Ignore posts   QUOTE
Bernanke has said interest rates will most likely be allowed to rise in 2014.. Not good for short term bond investments..

CC is a typical radical republican that would love to see our country crash along with the stock market because of the policies of President Obama.. He wants Obama to have a legacy like Bush already has at the expense of the American people.. :dunce:  

I think the capital gains tax should go up on the wealthy to 20% where it was before Bush..

CC thinks the wealthy won't want to make money if capital gains tax goes back to where it was under Clinton.. CC is an idiot..

He can have the returns you get in CD's and the money market.. :dunce:
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PostIcon Posted on: Nov. 17 2012,5:26 pm Skip to the previous post in this topic. Skip to the next post in this topic. Ignore posts   QUOTE

(alcitizens @ Nov. 16 2012,6:01 pm)
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(Common Citizen @ Nov. 16 2012,4:47 pm)
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Only an idiot would think that a bond is the only fixed income investment.

Oh god I have to hear this.. Please share.. :rofl:

Savings Accounts
Money Markets
CD's
Fixed annuities
Index Annuties
Immediate annuties
Privately held REIT's

To name a few...

You should really to some homework before you go spouting off.
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PostIcon Posted on: Nov. 17 2012,5:52 pm Skip to the previous post in this topic. Skip to the next post in this topic. Ignore posts   QUOTE

(alcitizens @ Nov. 16 2012,9:28 pm)
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Bernanke has said interest rates will most likely be allowed to rise in 2014.. Not good for short term bond investments..

CC is a typical radical republican that would love to see our country crash along with the stock market because of the policies of President Obama.. He wants Obama to have a legacy like Bush already has at the expense of the American people.. :dunce:  

I think the capital gains tax should go up on the wealthy to 20% where it was before Bush..

CC thinks the wealthy won't want to make money if capital gains tax goes back to where it was under Clinton.. CC is an idiot..

He can have the returns you get in CD's and the money market.. :dunce:

Are you some kind of wise guy?  Why do you lie?  Who said I wanted the stock market to go down?  It has nothing to do with Obama.  The fact is that when you raise a tax on somebody, they will take measures into their own hands and reduce their exposure to loss prior to the effective date of the tax change.  In this case, a rising cap gain tax rate.

Do you even know what the advantages are for a person to harvest their capital gains at a 15% tax rate instead of a 20% or 30%?  It's simple math.   :dunce:

There is nothing radical or Republican about that, d-bag.

My original post on this topic merely stated that IF you think the cap gains rate is going to go up, then you may want to move to fixed income.  I could give a rats arse what you do with your money...idiot.

:crazy:
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PostIcon Posted on: Nov. 17 2012,6:09 pm Skip to the previous post in this topic. Skip to the next post in this topic. Ignore posts   QUOTE
Here.  Why don't you read and learn something...and if you disagree the WSJ then you argue with them.

My Webpage

And I will stand by my statement that moving to safety may be a good idea until the harvesting is over.
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PostIcon Posted on: Nov. 17 2012,6:36 pm Skip to the previous post in this topic. Skip to the next post in this topic. Ignore posts   QUOTE

(Common Citizen @ Nov. 17 2012,6:09 pm)
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Here.  Why don't you read and learn something...and if you disagree the WSJ then you argue with them.

My Webpage

And I will stand by my statement that moving to safety may be a good idea until the harvesting is over.

Did you happen to read "unless Congress acts"?

Congress will act and stocks will soar.. You go ahead and miss out on the ride..

Your list of fixed income alternatives to stocks are a pathetic source of income at this time..
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PostIcon Posted on: Nov. 17 2012,7:37 pm Skip to the previous post in this topic. Skip to the next post in this topic. Ignore posts   QUOTE
You don't do it for the income chucklehead.  You do it to hedge against a potential stock market loss when people sell to take advantage of the current cap gain tax rate.  Why?  Because fixed income investements are more stable.  Ya dig?

Oh forget it...you're waisting my time.
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PostIcon Posted on: Nov. 17 2012,9:52 pm Skip to the previous post in this topic. Skip to the next post in this topic. Ignore posts   QUOTE

(Common Citizen @ Nov. 13 2012,7:30 pm)
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Speaking of which...

If you think the capital gains tax rates are going to go up...you best move your money to fixed income until everything blows over.

CC says:
You don't do it for income.. :dunce:
Because fixed income investments are more stable. :dunce:
You best move your money to fixed income until everything blows over. :dunce:
___

We are beyond the Bush years.. People don't need to put all their investments into a savings account drawing a 1/2 percent or less.. Not even the teabaggers in congress will do something that stupid to their own investments,
or would they.. :rofl:

Mid-terms in 2014 will be a walk in the park for Democrats if Republicans obstruct a solution to the fiscal cliff..

Poll shows Americans want deal to avert fiscal cliff

http://www.gallup.com/poll...ication
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PostIcon Posted on: Nov. 18 2012,6:49 am Skip to the previous post in this topic.  Ignore posts   QUOTE
"until the harvesting is over" accurate term. :(

--------------
:D Remember boys and girls,

Don’t be a Dick :D…

Or a “Wayne” :oops:
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