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Intrepid_Timer's PUBLIC Account Talk
- Thread starter Intrepid_Timer
- Start date
Intrepid_Timer
Well-known member
Does anyone recall who had the Amway site? I think it might of been Viva-something or other? I bought a ring for my girlfriend from them and she loved it. Her ex-husband saw it and wants to get one for his girlfriend...........:laugh:
KevinD
Well-known member
Check in the classifieds. 
Yeah, VLM - http://www.tsptalk.com/mb/showthread.php?p=293471#post293471
Coincidentally, I just sent him a PM today to get my ID number so I can go in and reorder cleaning products. They work really well and made my house smell perdy.
Coincidentally, I just sent him a PM today to get my ID number so I can go in and reorder cleaning products. They work really well and made my house smell perdy.
Intrepid_Timer
Well-known member
Thanks guys! 
Intrepid_Timer
Well-known member
Viva_La_Migra
Well-known member
Wow, that's awesome! Thank you for the referral.
Intrepid_Timer
Well-known member
Hi, sorry for the late response, been a busy morning. I think that it MIGHT return to double digit gains this year, but I would have to say just barely if it does.
If you are a subscriber, you can find out why I say this in tomorrow's commentary.
Intrepid_Timer
Well-known member
Is just me or has everyone totally forgotten about the S fund dropping 3.53% in Jan? Even with Big Ben moving the strings.....................
With the exception of Dec last year, just about every month has a pull back of at least 2%. The goal of my timing system is to either avoid these pullbacks or to wait for them and buy when the market heads back up then sell and sit in safety...................
The buy and holder gets to enjoy the roller coaster of emotions brought about by the stock market's continual ups and downs. It's been going up for awhile now with only little drops. But just like roller coasters, the higher it goes up, the scarier the fall will be...............:nuts:
With the exception of Dec last year, just about every month has a pull back of at least 2%. The goal of my timing system is to either avoid these pullbacks or to wait for them and buy when the market heads back up then sell and sit in safety...................
The buy and holder gets to enjoy the roller coaster of emotions brought about by the stock market's continual ups and downs. It's been going up for awhile now with only little drops. But just like roller coasters, the higher it goes up, the scarier the fall will be...............:nuts:
Intrepid_Timer
Well-known member
what a 4 runner , i have a 1990 4 runner that needs a transmission , hey maybe out of the two , we can build one
Now you tell me!! New engine, core deposit and shipping for about $1900. No rust on the body and everything else seems fine. Gonna use it for plowing in Wisconsin...
FAB1
Well-known member
No, I didnt forget I escaped that barely but with no more IFTs it might have cost me more, so did I escape or not?? ha ha.
We need more IFTs!!!! lets have a big protest at the TSP bored offices and maybe if we make big enough asses of ourselves we will get a bone throwed to us.
Intrepid_Timer
Well-known member
No, I didnt forget I escaped that barely but with no more IFTs it might have cost me more, so did I escape or not?? ha ha.
We need more IFTs!!!! lets have a big protest at the TSP bored offices and maybe if we make big enough asses of ourselves we will get a bone throwed to us.
On a monthly basis, you beat the S fund last month..............
And this one isn't over yet. :suspicious:
FAB1
Well-known member
On a monthly basis, you beat the S fund last month..............
Oh I am happy, dont get me wrong. I just could be HappIER. :toung:
Intrepid_Timer
Well-known member
[B]ATTENTION TO ALL NEW MEMBERS OF TSPTALK!!![/B]
You will hear some people here telling you do put your money in a L fund like the L2050 or into the different equity funds and just leave it and contribute as much as you can each pay period reap the rewards 10-20 years down the line.
PLEASE, PLEASE, PLEASE DO NOT DO THIS!!! Most of these people are pretty new to TSPtalk also. I don't think you will hear many TSPtalker's that have been here for several years recommending that, other than Birchtree.
If you want to put contributions into the equity funds and collect more shares as you go, fine! That is up to you and not a strategy a can disagree with. BUT, do you really want to earn 3-4% on average per year on the bulk of your money, your "nest egg" for retirement after 10 years? That is exactly what you would have made from 2000 to 2010. You can do better than that by sitting in the G fund.
If you don't have time to come up with your own strategy, follow the top returners here, either free services or paid services, from the past few years, not just this year. It's been easy to make money in this current bull cycle, but what about later on during bearish periods. How will they perform then? Did they miss the 15% drop last year? Did they ride it down and then back up? Will you have the patience and tolerance to do the same or will you get tired of losing your money and get out near the bottom?
A good timer will miss the majority of corrections and pullbacks and it takes longer to make up what one has lost than to keep what one already has.
If nothing else, simply sell with the 20-day moving average of the S&P 500 moves below the 50-day moving average and buy when the 20 goes above the 50. Anything much less than using these moving averages will whipsaw you like crazy during consolidation periods when the market goes up a few percent and then falls back a couple percent. Been there and done that, which is why I don't use moving averages anymore. I use to record, and still do, 2,3,4,,5,7,10,13,20,30,50 and 63 day moving averages. They work fine during extended bull markets, like now, and during extended bear markets, like 2008, but otherwise, they don't do that well. Which is MOST of the time. Still, they work better than buying and holding for longer periods of time.
Okay, off my soapbox. Good luck everyone!
You will hear some people here telling you do put your money in a L fund like the L2050 or into the different equity funds and just leave it and contribute as much as you can each pay period reap the rewards 10-20 years down the line.
PLEASE, PLEASE, PLEASE DO NOT DO THIS!!! Most of these people are pretty new to TSPtalk also. I don't think you will hear many TSPtalker's that have been here for several years recommending that, other than Birchtree.
If you want to put contributions into the equity funds and collect more shares as you go, fine! That is up to you and not a strategy a can disagree with. BUT, do you really want to earn 3-4% on average per year on the bulk of your money, your "nest egg" for retirement after 10 years? That is exactly what you would have made from 2000 to 2010. You can do better than that by sitting in the G fund.
If you don't have time to come up with your own strategy, follow the top returners here, either free services or paid services, from the past few years, not just this year. It's been easy to make money in this current bull cycle, but what about later on during bearish periods. How will they perform then? Did they miss the 15% drop last year? Did they ride it down and then back up? Will you have the patience and tolerance to do the same or will you get tired of losing your money and get out near the bottom?
A good timer will miss the majority of corrections and pullbacks and it takes longer to make up what one has lost than to keep what one already has.
If nothing else, simply sell with the 20-day moving average of the S&P 500 moves below the 50-day moving average and buy when the 20 goes above the 50. Anything much less than using these moving averages will whipsaw you like crazy during consolidation periods when the market goes up a few percent and then falls back a couple percent. Been there and done that, which is why I don't use moving averages anymore. I use to record, and still do, 2,3,4,,5,7,10,13,20,30,50 and 63 day moving averages. They work fine during extended bull markets, like now, and during extended bear markets, like 2008, but otherwise, they don't do that well. Which is MOST of the time. Still, they work better than buying and holding for longer periods of time.
Okay, off my soapbox. Good luck everyone!
Scrappy
Member
Re: [B]ATTENTION TO ALL NEW MEMBERS OF TSPTALK!!![/B]
Intrepid Timer,
I am not necessarily disagreeing with you or concluding that you are either right or wrong.
But, what do you reference for facts to support your statements?
And, why does TSP information as well as others publish information to show that the majority of people do better on buy and hold?
Just because a person has a strategy doesn't mean it will equal success.
My personal opinion is leaning towards believing that if a person doesn't have some time set aside EVERY DAY to analyze information/situation, then they should buy and hold.
You will hear some people here telling you do put your money in a L fund like the L2050 or into the different equity funds and just leave it and contribute as much as you can each pay period reap the rewards 10-20 years down the line.
PLEASE, PLEASE, PLEASE DO NOT DO THIS!!! Most of these people are pretty new to TSPtalk also. I don't think you will hear many TSPtalker's that have been here for several years recommending that, other than Birchtree.
If you want to put contributions into the equity funds and collect more shares as you go, fine! That is up to you and not a strategy a can disagree with. BUT, do you really want to earn 3-4% on average per year on the bulk of your money, your "nest egg" for retirement after 10 years? That is exactly what you would have made from 2000 to 2010. You can do better than that by sitting in the G fund.
If you don't have time to come up with your own strategy, follow the top returners here, either free services or paid services, from the past few years, not just this year. It's been easy to make money in this current bull cycle, but what about later on during bearish periods. How will they perform then? Did they miss the 15% drop last year? Did they ride it down and then back up? Will you have the patience and tolerance to do the same or will you get tired of losing your money and get out near the bottom?
A good timer will miss the majority of corrections and pullbacks and it takes longer to make up what one has lost than to keep what one already has.
If nothing else, simply sell with the 20-day moving average of the S&P 500 moves below the 50-day moving average and buy when the 20 goes above the 50. Anything much less than using these moving averages will whipsaw you like crazy during consolidation periods when the market goes up a few percent and then falls back a couple percent. Been there and done that, which is why I don't use moving averages anymore. I use to record, and still do, 2,3,4,,5,7,10,13,20,30,50 and 63 day moving averages. They work fine during extended bull markets, like now, and during extended bear markets, like 2008, but otherwise, they don't do that well. Which is MOST of the time. Still, they work better than buying and holding for longer periods of time.
Okay, off my soapbox. Good luck everyone!
Intrepid Timer,
I am not necessarily disagreeing with you or concluding that you are either right or wrong.
But, what do you reference for facts to support your statements?
And, why does TSP information as well as others publish information to show that the majority of people do better on buy and hold?
Just because a person has a strategy doesn't mean it will equal success.
My personal opinion is leaning towards believing that if a person doesn't have some time set aside EVERY DAY to analyze information/situation, then they should buy and hold.
PessOptimist
Well-known member
One thought on your advice to all new members of TSPTalk.
If you have just started paying attention to your TSP account and it is all in the G fund which is the default payroll contriution, you are earning 2.875% per year. That means so far in 2011 you have earned .38%.
Moving your money in to one of the L funds right now while you are looking around might be a good idea. They are all earning more right now. I am not saying put your money in one of the L funds and forget it. Just saying it might be a good place until you have your own strategy. At least right now.
Beating 3-4% in the G fund isn't happening right now. L income beat that for the last several years.
What do you think I_T?
If you have just started paying attention to your TSP account and it is all in the G fund which is the default payroll contriution, you are earning 2.875% per year. That means so far in 2011 you have earned .38%.
Moving your money in to one of the L funds right now while you are looking around might be a good idea. They are all earning more right now. I am not saying put your money in one of the L funds and forget it. Just saying it might be a good place until you have your own strategy. At least right now.
Beating 3-4% in the G fund isn't happening right now. L income beat that for the last several years.
What do you think I_T?
Intrepid_Timer
Well-known member
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