Monday, February 25, 2013

Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis



On
Friday, February 22, the S&P 500 closed @ 1515, and that was...
  
    +7.0% ABOVE its 12-Month moving average which stood @ 1416.
    +7.0% ABOVE its 40-Week moving average which stood @ 1416.
    +2.2% ABOVE its 10-Week moving average which stood @ 1483.


Therefore, the INTERMEDIATE-Term trend IS BULLISH 
and the LONG-Term trend is UP.




Friday, February 22, 2013

Why You Need A Voice of Reason in Your Life...



This is the devil’s advocate, who asks the hard questions and sees problems before they arise. You need this person’s perspective. They are looking out for you, and want you to be as safe as you are successful.
 

This is the voice of Reason.

Courtesy of Jessica Hagy - 6 People You Need In Your Corner - Forbes


Monday, February 18, 2013

Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis



On
Friday, February 15, the S&P 500 closed @ 1520, and that was...
  
    +7.3% ABOVE its 12-Month moving average which stood @ 1417.
    +7.8% ABOVE its 40-Week moving average which stood @ 1410.
    +3.2% ABOVE its 10-Week moving average which stood @ 1472.


Therefore, the INTERMEDIATE-Term trend IS BULLISH 
and the LONG-Term trend is BULLISH



Thursday, February 14, 2013

Is A Period Of Low Stock Market Returns Ahead?

chart of the day, shiller pe results, january 2013


The Shiller PE Ratio, or the cyclically-adjusted price-earnings ratio, may be the most respected measure of stock market value.

In short, the Shiller PE is the price of the stock market divided by the average of ten years worth of earnings.  If the ratio is above the long-term average, the stock market is considered expensive.

Credit Suisse's Andrew Garthwaite compiled the annualized trailing 5-year returns based on certain levels of the Shiller PE
As expected, the lower the ratio, the better the returns.  But the relationship isn't exactly linear.
Here's Garthwaite's chart. 

At current elevated levels, the Shiller PE is signaling a period of low returns, below +5% annually.


Read more: http://www.businessinsider.com/chart-shiller-pe-returns-2013-1#ixzz2HQXyR0xZ

Wednesday, February 13, 2013

Monday, February 11, 2013

Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis



On
Friday, February 8, the S&P 500 closed @ 1518, and that was...
  
    +8.0% ABOVE its 12-Month moving average which stood @ 1406.
    +8.3% ABOVE its 40-Week moving average which stood @ 1402.
    +3.8% ABOVE its 10-Week moving average which stood @ 1462.


Therefore, the INTERMEDIATE-Term trend IS UP 
and the LONG-Term trend is BULLISH.


Wednesday, February 6, 2013

10 Biggest Retirement Mistakes: #1. Not Planning for Medical Costs in Retirement


If you retire before you are eligible for Medicare at 65, finding health insurance can be difficult and expensive.

Many employers have eliminated subsidized retiree health benefits for former employees. You can extend employer coverage under COBRA for up to 18 months, but you’ll have to pay the full premium without any help from the boss.

Depending on your health, it might be cheaper to find an individual policy with a high deductible.




Tuesday, February 5, 2013

10 Biggest Retirement Mistakes: #2. Taking A 401(k) Check


If you decide to transfer your 401(k) or other retirement assets to an IRA, make sure they go directly to the new custodian.

If your employer cuts you a check, the company will be required to withhold 20% for taxes and you will have to roll the entire amount — including the 20% you didn't receive — into an IRA within 60 days.

Any money not deposited into the IRA would be treated as a taxable distribution, subject to taxes and early-withdrawal penalties.



Monday, February 4, 2013

Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis



On
Friday, February 1, the S&P 500 closed @ 1513, and that was...
  
    +6.9% ABOVE its 12-Month moving average which stood @ 1416.
    +7.9% ABOVE its 40-Week moving average which stood @ 1402.
    +4.2% ABOVE its 10-Week moving average which stood @ 1452.


Therefore, the INTERMEDIATE-Term trend IS BULLISH 
and the LONG-Term trend is UP.


Friday, February 1, 2013

10 Biggest Retirement Mistakes: #3. Claiming Social Security Early While Still Working


If you collect Social Security benefits before your normal retirement age of 66 and you continue to work, you could lose benefits.


Earn more than $14,640 in 2012, and you’ll forfeit $1 in benefits for every $2 you earn over the limit.

The earnings cap disappears when you turn 66.