James48843 Account Talk

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yep- dang. One day early. I see it tanking again tomorrow before I am expecting a quick bounce back upwards on Wednesday. I figured it would head downward faster today and catch a 3% drop today on the North Korean news. No such luck. I'll have to just rough it out now.

At least the good news is that I am now going in at COB today at a price much lower than where I last sold on Dec 6th. I sold "C" fund shares at $15.51, and am now able to buy them back at about $14.85 tonight. Same with "S" fund shares, which I sold at $20.73, now buying back at about $19.70 tonight. That's a much better deal. (always try and find a positive, eh?).

I sure hope we don't see that 70% correction I dreamt about.
 
from Govexec.com today:

TSP participation declining

By Amanda Palleschi apalleschi@govexec.com
December 19, 2011



The rate of federal employee participation in the 401(k)-like Thrift Savings Plan is "softening," according to new data from the Federal Retirement Thrift Investment Board.

TSP participation was at 85.4 percent in October, before showing a slight dip to 85.2 in November. The decline marked a "trend that appears to be continuing," said Renee Wilder, the board's director of research and strategic planning. Participation by military members remained steady at 39.3 percent. Military reserves' participation was 15.7 percent in November, up from 14.5 percent in October, according to the new data.


Wilder said the board found three factors contributing to the "softening" of participation: employees hitting their contribution limits toward the calendar year's end; separations from service in the federal government, such as reductions as a result of troop withdrawals; and an uptick in "hardship withdrawals."
Click to expand...

Or it could just be that people don't have the money any more.

BY the way- who is Renee Wilder, and when did we hire a "director of research and planning"? What is that costing us?
Inquiring minds want to know.


More:
http://www.govexec.com/story_page.cfm?articleid=49603&dcn=todaysnews
 
Holy cow. We hired a $165K a year lady to be "Director of Research and Planning"?

wilder.jpg

That's on top of the current Director (Mr. Long), and the current Tracy Ray

Amazing.

They could have hired any one of us on TSPTALK and we could be telling them what is wrong with their TSP, and why people are leaving in droves. And we wouldn't charge them $165 K a year either.

[TABLE="class: results, align: center"]
[TR="bgcolor: #FFFFFF"]
[/TR]
[TR]
[TD]
Name​
[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[TR]
[TD]EMSWILER, THOMAS K[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]GENERAL ATTORNEY[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]MORAN, PAMELA JEANNE[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]PROGRAM MANAGEMENT[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]PETRICK, JAMES B[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]FINANCIAL ANALYSIS[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$10,000[/TD]
[/TR]
[TR]
[TD]RAY, THERESE A[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$5,000[/TD]
[/TR]
[TR]
[TD]HAGERTY, MARK A[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$10,000[/TD]
[/TR]
[TR]
[TD]LONG, GREGORY THOMAS[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]EX 03[/TD]
[TD]$165,300[/TD]
[TD]$40,000[/TD]
[/TR]
[TR]
[TD]TRABUCCO, THOMAS J[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]PROGRAM MANAGEMENT[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]WILDER, RENEE C[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]FRIEND, ROY E[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]INFORMATION TECHNOLOGY MANAGEMENT[/TD]
[TD]GS 15[/TD]
[TD]$155,500[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]SMITH, SUSAN L[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MANAGEMENT AND PROGRAM ANALYSIS[/TD]
[TD]GM 15[/TD]
[TD]$155,500[/TD]
[TD]$10,000[/TD]
[/TR]
[/TABLE]

[TABLE="class: results, align: center"]
[TR]
[TD][/TD]
[/TR]
[TR]
[TD]BEEMER, ANNE MARIE[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]GM 15[/TD]
[TD]$155,500[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]KENNEDY, MICHAEL[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]DUFFY, TERRENCE A[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]BILYEU, DANA[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]SANCHEZ, ALEJANDRO M[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]SAUL, ANDREW M[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]JACOBSON, WILLIAM H III[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]FINANCIAL ANALYSIS[/TD]
[TD]GS 15[/TD]
[TD]$144,385[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]CROWDER, SUSAN C[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]ACCOUNTING[/TD]
[TD]GS 15[/TD]
[TD]$144,385[/TD]
[TD]$4,000[/TD]
[/TR]
[TR]
[TD]PEINE, SUSAN I[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]GS 15[/TD]
[TD]$140,259[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD][/TD]
[/TR]
[/TABLE]
Those are just the ones over $140K.

I'm sick to my stomach on that one.
 
Birchtree said:
Is that $165K per year for part-time work?
Click to expand...
If she's "ES" pay plan, then no, it's not part time.

The TSP Thrift Board members are the ones listed as "SR-00" pay plan - at $153,199 per year. Those are the Presidentially appointed, Congressionally confirmed positions that are part time- one meeting a month (to which some of them sometimes dial in on the phone, by the way).

Not bad work if you can get it, eh?
 
James,

What makes this even more sad. Blackrock is the custodian - not these goobers. We get to invest in five ETFs - none of them exotic. They haven't given us any training (I would like to that this Hated By TSP Board site for much of my training), no advice, and no access to asset allocations other than the five provided in the late 80s through the early 90s. Do they really need that salary structure to offer nothing.

Dude, if they were not there we would not know it.

That is truly sad.

Out
 
This is what is sickening..That last number of $40,000, is for an AWARD...WTF!

[TABLE="class: cms_table_results, align: center"]
[TR]
[TD]LONG, GREGORY THOMAS
[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD
[/TD]
[TD]District of Columbia
[/TD]
[TD]District of Columbia
[/TD]
[TD]WASHINGTON
[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM
[/TD]
[TD]EX 03
[/TD]
[TD]$165,300
[/TD]
[TD]$40,000
[/TD]
[/TR]
[/TABLE]
 
James48843 said:
Holy cow. We hired a $165K a year lady to be "Director of Research and Planning"?

View attachment 16666

That's on top of the current Director (Mr. Long), and the current Tracy Ray

Amazing.

They could have hired any one of us on TSPTALK and we could be telling them what is wrong with their TSP, and why people are leaving in droves. And we wouldn't charge them $165 K a year either.

[TABLE="class: results, align: center"]
[TR="bgcolor: #FFFFFF"]
[/TR]
[TR]
[TD]
Name​
[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[TR]
[TD]EMSWILER, THOMAS K[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]GENERAL ATTORNEY[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]MORAN, PAMELA JEANNE[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]PROGRAM MANAGEMENT[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]PETRICK, JAMES B[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]FINANCIAL ANALYSIS[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$10,000[/TD]
[/TR]
[TR]
[TD]RAY, THERESE A[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$5,000[/TD]
[/TR]
[TR]
[TD]HAGERTY, MARK A[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$10,000[/TD]
[/TR]
[TR]
[TD]LONG, GREGORY THOMAS[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]EX 03[/TD]
[TD]$165,300[/TD]
[TD]$40,000[/TD]
[/TR]
[TR]
[TD]TRABUCCO, THOMAS J[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]PROGRAM MANAGEMENT[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]WILDER, RENEE C[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]ES 00[/TD]
[TD]$165,300[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]FRIEND, ROY E[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]INFORMATION TECHNOLOGY MANAGEMENT[/TD]
[TD]GS 15[/TD]
[TD]$155,500[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]SMITH, SUSAN L[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MANAGEMENT AND PROGRAM ANALYSIS[/TD]
[TD]GM 15[/TD]
[TD]$155,500[/TD]
[TD]$10,000[/TD]
[/TR]
[/TABLE]

[TABLE="class: results, align: center"]
[TR]
[TD]

​
[/TD]
[/TR]
[TR]
[TD]BEEMER, ANNE MARIE[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]GM 15[/TD]
[TD]$155,500[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]KENNEDY, MICHAEL[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]DUFFY, TERRENCE A[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]BILYEU, DANA[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]SANCHEZ, ALEJANDRO M[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]SAUL, ANDREW M[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]SR 00[/TD]
[TD]$153,199[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]JACOBSON, WILLIAM H III[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]FINANCIAL ANALYSIS[/TD]
[TD]GS 15[/TD]
[TD]$144,385[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD]CROWDER, SUSAN C[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]ACCOUNTING[/TD]
[TD]GS 15[/TD]
[TD]$144,385[/TD]
[TD]$4,000[/TD]
[/TR]
[TR]
[TD]PEINE, SUSAN I[/TD]
[TD]FED RETIREMENT THRIFT INVESTMENT BOARD[/TD]
[TD]District of Columbia[/TD]
[TD]District of Columbia[/TD]
[TD]WASHINGTON[/TD]
[TD]MISCELLANEOUS ADMINISTRATION AND PROGRAM[/TD]
[TD]GS 15[/TD]
[TD]$140,259[/TD]
[TD]$0[/TD]
[/TR]
[TR]
[TD][/TD]
[/TR]
[/TABLE]
Those are just the ones over $140K.

I'm sick to my stomach on that one.
Click to expand...

That's a lot of CHUMP CHANGE! No wonder the general public thinks government employees are overpaid!
 
This is EXAcTLy why the US government is 15 TRILLION in the hole, but dont worry this kinda bloat wont last forever.....hehehe, ....WOO BOY! The future can only get "interesting" as the chinese say.
 
Anyone seeing that list of employee pay and being surprised should be glad their eyes are partially opened to the DC grade structure and the number of supergraders. In most agencies you can find offices where SES has almost become the working level or first line supervisors and even an SES as a highly paid administrative coordinator
 
I have nothing against people earning a good living. However, I have to ask myself- what do all those folks do for that money?

Again, Blackrock is who actually holds the funds. It's not like any one of them is deciding where to invest TSP Shareholders money to get better returns. (We can't even do that, now that we have only 2 moves a month available to us).

There are 95 total federal employees who work at the FED RETIREMENT THRIFT INVESTMENT BOARD.

A handful make policy- that includes the Board members, and Long. Ray supposedly was hired because of her experience running Maryland's pension funds. There are no comparisons. Maryland had to decide what to invest in. At TSP, the funds are set by Congress, and the Board gets to decide what policy changes they want to approve.

So what do all those folks who make $165K a year do for the money? Create brochures and slogan posters? That nobody in the field ever see?

I'm sure some actually help customers- but you know that the call center was all outsourced to a private contractor. So some of these employees, I'm sure, have to oversee the contract. And let the contract. Ok- that's a handful of folks. What do the rest do?

I would love to see their job descriptions, and maybe hangout for a few days in their office, to see what they do.

By the way- one more time- the limiting of fund transfers COST shareholders money- it didn't save them money. That's a fact.

There are 95 federal employees at the FED RETIREMENT THRIFT INVESTMENT BOARD. Fifty one of them made $100,000 or more in 2010.

Why is it they have to be in Washington D.C.? Why not in some low cost location?

What is it they all do that they have to be in D.C.? And that they have to cost $100K or more?

That's a good question.
 
All answers found in: Big Government. Seat of Government. I had an aunt who was firmly liberal and wanted the little people to get government help. One day she was surprised to hear her apartment neighbor received rent subsidy, electrical subsidy, cable subsidy and also had a better, covered parking space, even though the neighbor's income was higher than my aunt's. The difference was that my aunt had more in savings. DC needs big staff, in all endeavors including the Board, to set one size fits all policy. DC staff must be graded because of the importance of the decisions and paid enough to afford the housing and economy. Restaurants are crowded. Traffic is a nightmare. Starting to see some slowdown in government solicitations though.

I do want to note though that the awards to the ES levels are generally fewer and lower than the norm. Perhaps that will be a solace?
 
Thinking I really need to do an IFT today and get out to safety while the going's good. I just had a nice little run upward, and now I am thinking that next week is likely to be UNLIKE previous years, and may drop hard.

Geeze- it's hard to decide what to do. I REALLY REALLY feel like moving to safety today.


But I probably won't.

Arrrggg.. Hard decisions.

best of luck.
 
Moving today to a 50/50 mix on the "S" and "I" fund:


Why? "S" fund technicals are still looking extremely favorable.

But suddenly the "I" fund is starting to get momentum upward, and that's a darn good sign after weeks of the "I" lagging the U.S. numbers.

I am playing the hunch that we'll still get a few more days at least of upward drift domestically, but we'll get better upward action in overseas markets as the rest of the world sees economic steadiness and improvement.

I'm goin g 50/50 "S" and "I" today, and then plan to hop to "G" safety at the end of this quick cycle upwards. Maybe next week sometime. We'll see.

Good luck out there.
 
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