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Old 11-30-2012, 06:04 PM   #41
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nah, i will start looking once i retire..
Better than all caps in any event. Luckily we don't have any of those folks.
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Old 11-30-2012, 06:08 PM   #42
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being lefty and typing with one finger is a disability lol
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Old 12-01-2012, 01:52 AM   #43
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Originally Posted by Gearhead Jim View Post
Have we ever had a time when the government has so aggressively forced interest rates down so much for so long?
Hasn't Japan done that? Not an expert here, so YMMV.
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Old 12-01-2012, 06:10 AM   #44
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I have some $ sitting on the sidelines, and I've been researching Wellington, Wellesley, and the 3 fund portfolio for my taxable $. I'm waiting until the fiscal cliff settles after Jan 1 to pull the trigger, but I may alter my AA to include more Wellington (which is +/- 65/35) since I'll still be working part time for a year. But it also seems like I can blend the 3 fund portfolio to closely resemble Wellington, so I need to do more research.
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Old 12-01-2012, 09:26 AM   #45
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Hasn't Japan done that? Not an expert here, so YMMV.
I'm thinking that Japan's low rates may have occured naturally from their economy dumping and staying dumped, though I expect their govt is pleased to see the low rates.

Can someone enlighten us on this?
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Old 12-02-2012, 07:06 AM   #46
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I plan on rolling my TSP, (401 version for a Federal employee), over into pssst Wellesley/Wellington when I reach 60. I am 54 now. I believe these are better funds than what my employer offers for my needs... and age 60 is a good time for an IRA rollover.
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Old 12-02-2012, 11:31 AM   #47
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Have we ever had a time when the government has so aggressively forced interest rates down so much for so long?
That kind of manipulation might set the stage for a much larger and quicker rise in rates, eventually, than we would otherwise expect.
No predicting, just questioning...
Yep, right after WWII into the 1950s to pay off the war bonds.

It was two generations ago and six decades of inflation make those amounts look puny by today's standards, but American interest rates were very low compared to what the rest of the world was experiencing.

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Originally Posted by Koolau View Post
Hasn't Japan done that? Not an expert here, so YMMV.
I think Japan's residents have slammed shut their wallets and forced Japan into prolonged deflation, so whatever the government is doing is apparently not enough to make a difference.

Japan has significant corruption, govt subsidies, and political gridlock that make our issues also look puny. (I bet the average Japanese resident finds our hue & cry over American bank rescues to seem pretty silly.) Everything I've read on the theme of "Could Japan's problems happen here?!?" has generally boiled down to "No."

Demographics are another issue. Business Week reported recently that last year in Japan, adult diapers outsold baby diapers.
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