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View Poll Results: Is the flat market good or bad & What does the future hold ?
Flat has been good...we are headed higher 20 46.51%
Flat has been good....but look out below 7 16.28%
Flat has been bad....we are about to rally 5 11.63%
Flat has been bad .... And It's going lower from here 11 25.58%
Voters: 43. You may not vote on this poll

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Old 05-23-2016, 03:31 PM   #21
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Being philosophical is good. It lets me be stoic when bad things happen. It prevents me from jumping up and down and acting silly if good things come.

I did not vote for the reason I did not find the option that I like, as explained earlier.
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Old 05-23-2016, 03:43 PM   #22
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ImageUploadedByEarly Retirement Forum1464036124.983439.jpg

It's all relative. What's are your broad market gains or losses since July 2014 excluding new money ?
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Old 05-23-2016, 03:46 PM   #23
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Speaking of flat, improbable research showed that Kansas is considerably flatter than a pancake:

Improbable Research
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Old 05-23-2016, 04:49 PM   #24
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Originally Posted by Gone4Good View Post
You know how that ends, right?

It is a far, far better thing that I do than I have ever done. A far, far better resting place that I go to than I've ever known.
No, That is a far as I got before my dog chewed up my "cliff notes". If I recall correctly, I failed the English exam too. But, then again I failed most exams in H.S. Got into Uni because my GC made a deal with the Uni to bring them some Olympic quality gymnasts. Dropped out of Uni, once the draft was over to seek my fortune. Retired at 33/34 and went back to finish up my bizness degree at 40. Graduated at the top of the class a few years later.
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Old 05-23-2016, 05:47 PM   #25
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No, That is a far as I got before my dog chewed up my "cliff notes". If I recall correctly, I failed the English exam too. But, then again I failed most exams in H.S. Got into Uni because my GC made a deal with the Uni to bring them some Olympic quality gymnasts. Dropped out of Uni, once the draft was over to seek my fortune. Retired at 33/34 and went back to finish up my bizness degree at 40. Graduated at the top of the class a few years later.


Your almost as bad as me. I only know of that quote from a Star Trek motion picture.... I hated books and especially ones that were shoved down me. I prefer the Reagan philosophy of "all info on one page". I had a World Lit class in which the college professor seemed to be a tad lazy and just repeated same exams year after year and a sorority house kept a file of them. I would "study" just long enough to remember the sequence of the M/C answers and would collect my A. Finals night I went over to get the answers and that was when I found out they did not have a copy as he kept all finals... Needless to say I had 3 A's and an F on my 4 exams and received a C for the course.


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Old 05-23-2016, 06:41 PM   #26
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Off-topic from an outlier, but re: good/bad times.

Almost no dog in the fight, but re: "money".

Ultra dull, uninteresting "investor", though you may not think of it that way... Since the early days, much of our money has been tied up in the banks in the form of CD's. Maybe not so good compared to smarter money, but along the way, no surprises... none.
A fair return through 2000, and then into IBonds from 2000 through 2003. Currently averaging about 5%. and no way to go lower, unless the government defaults.
Now content to spend the declining years watching the market intently... the way I watch a soccer match.

So... another chart:
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Old 05-28-2016, 06:51 AM   #27
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It's better than some possible scenarios and worse than others I guess...

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Old 05-28-2016, 07:00 AM   #28
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GDP is very low by historical standards. If that can rise just a bit, companies will make a bunch of money.

Interest rates rise, banks make a bunch. They have to loan out the money, so they make deals and companies start.

If wages go up, and they will if we can begin to get 'stuff' made here, companies can make a bunch too. Just like when Henry Ford increased wages.
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Old 05-28-2016, 09:54 AM   #29
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How about "Flat is flat and although we can take an educated guess, we don't know what is coming"?
Flat is flat, I want the bull market back ..

It's a dividend play, since it went away .. ooh -ooh ..

What can we do?

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Old 05-28-2016, 01:08 PM   #30
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I took advantage of this flat market and sold some more cash covered puts.
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Old 05-28-2016, 02:40 PM   #31
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GDP is very low by historical standards. If that can rise just a bit, companies will make a bunch of money.

Interest rates rise, banks make a bunch. They have to loan out the money, so they make deals and companies start.

If wages go up, and they will if we can begin to get 'stuff' made here, companies can make a bunch too. Just like when Henry Ford increased wages.
What if the stuff is made by robots .

http://fortune.com/2016/05/26/foxcon...robot-workers/

Self driving cars and trucks, robots taking fast food orders, robo-advisors replacing financial advisors... robots even make the robots ..

I think there's a lot of labor replacement happening over the next few decades via automation and it will be interesting to see how that increased efficiency and productivity impacts general wealth globally...

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Old 06-03-2016, 11:46 PM   #32
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All relative to what you were invested in. Market has been very friendly to me over the last few years, hopping for a bit of a pullback at this point to get more of the good stuff on sale!
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Old 06-04-2016, 05:00 AM   #33
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I got a chance to check my husband's account. It's at an all time high. I'm glad I made a bit of modification in April.
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Old 06-04-2016, 10:44 AM   #34
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Didn't vote as no option available. My prediction is despite the plethora of research on behavioral finance, investors will never cease to make predictions.

Does Your Mindset Affect Retirement Income Decisions? | RR

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The fields of behavioral finance and behavioral economics have uncovered various biases humans have which are great for day-to-day survival, but somewhat maladaptive for long-term investing.
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