Squalebear's Account Talk

[CountryBoy]

I'm not familiar with the Mortgage Interest Rate plan that has been
mentioned in the media. But I am VERY interested in a 4.50% fixed
rate (30year) refinance. It would help me lower my ever growing
Mortgage Payment as I don't plan on moving any time soon. Does
anyone have a idea or a link they wish to share, concerning this so
called plan.

Hey SB,

This pretty much covers what I've heard about it. Hopefully it helps.

http://www.azcentral.com/arizonarepublic/news/articles/2008/12/05/20081205biz-mortgage1205.html

CB

 

[Guest2]

Hey SB,

This pretty much covers what I've heard about it. Hopefully it helps.

http://www.azcentral.com/arizonarepublic/news/articles/2008/12/05/20081205biz-mortgage1205.html

CB

Thanks CB, that was helpful !

 

[Guest2]

Diversity into the (F) Fund is helping me limit losses in the stock funds.
So far, my portfolio is down -.31% but its early yet. Hopefully, the stock
funds will surprise us and the (F) Fund will only drag the profits down by
just alittle. I'm watch'n for the 10am Pending Home Sales reaction next. :blink:

 

[Guest2]

Pending Home sales dropped by -0.7%
Revision added -.3% to last announcement.
Economist predicted a drop of -3.0%

BETTER THEN EXPECTED BAD NEWS = GREAT NEWS !

EVERY FUND IS CLEAN & GREEN ! :nuts:

 

[Guest2]

70G-15F-5C-5S-5I

Stock Funds placed in <1%IFT position.
I expect another up day tomorrow in the (F)

 

[Guest2]

I Can Only Hope For Two Things Come 7:30pm:
#1) The (F) Fund pulls off a AGG matching return of {+0.94%}
#2) The Fund Managers pays our .0983 TSP Cent Deficit {+.74%}

The Mathematics are Cruel:
An investor who loses 15% in a single year, for instance, needs to make
18% the next year just to get back to the starting point. And if the
retirement plan depends on earning an average of 10% a year, recouping
those losses as well as the extra 10% would require a 29.4% one-year
gain, or 13.8% in each of the next two years.

Preliminary Results For Today::worried:
By reducing my risk in the (I) Fund by 90% and diversifying the remainder
within all other individual funds, I significantly reduced the losses I would
have been exposed to otherwise. Preliminary returns show a -0.45% loss
today and a -10.05% YTD, should all funds exactly match their indexes.

 

[Guest2]

Death to 'Buy and Hold': No Slowing Down 'Fast Money's' Macke and Adami

"The long-term investor is dead," says Macke. "Until the market stabilizes and people from the government stop changing the rules, 'buy & hold' is a sucker's strategy."

Adami agrees: "You shouldn't be watching if you're a long-term investor," he says. "You're just torturing yourself. It's not a viable strategy."

 

[Guest2]

Fund Managers paid half the Deficit today and
leaves the $0.0453 TSP Cents for another day.

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(11/17/08)+0.2385%+0.1035 tsp cents
(11/18/08)+0.0615%+0.0958 tsp cents
(11/19/08)+0.7053%+0.0048 tsp cents
(11/20/08)+0.4283% -0.0446 tsp cents
(11/21/08) -0.9898%+0.0732 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(11/24/08)+0.8559% -0.0785 tsp cents
(11/25/08) -0.4855% -0.0155 tsp cents
(11/26/08) -0.8046%+0.0909 tsp cents
(11/27/08) -0.8046%+0.0909 tsp cents (Holiday)
(11/28/08) -0.1318%+0.0735 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/01/08)+0.6216% -0.0081 tsp cents
(12/02/08) -0.6385%+0.0734 tsp cents
(12/03/08) -0.6890%+0.1629 tsp cents
(12/04/08)+0.2253%+0.1299 tsp cents
(12/05/08)+0.3991%+0.0812 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/08/08) -0.0997%+0.0983 tsp cents
(12/09/08)+0.3953%+0.0453 tsp cents

THE KEY:
------------------------------------------------- THEY OWE US ----
+.2000 thru+.2500 Elavated Deficit, (Windfall Coming)
+.1500 thru+.2000 High Deficit (Rarely Goes Higher)
+.1000 thru+.1500 Medium Deficit (Flip A Coin)
+.0000 thru+.1000 Low Deficit (Goal is Met)
------------------------------------------------- WE OWE THEM ---
- .0000 thru -.1000 Minimum Overpayment (Goal is Met)
- .1000 thru -.1500 Low Overpayment, (Flip A Coin)
- .1500 thru -.2000 Medium Overpayment (Rarely Goes Higher)
- .2000 thru -.2500 Elavated Overpayment, (Payback Immanent)
--------------------------------------------------------------------

 

[Guest2]

YTD IDX returns: YTD TSP returns: YTD SB current returns:
SPX= -39.48%.....C=... -38.16%....-10.19% (my figures)
DW.= -43.24%.....S=... -41.89%....
EFA= -46.88%......I=... -46.39%...
AGG= -01.04%.....F=...+03.03%...
...........................G=...+03.58%...

MTD IDX returns: MTD TSP returns: MTD SB current returns:
SPX= -00.84%.....C=... -00.80%....+02.72%(my figures)
DW.= -01.30%.....S=... -01.39%....
EFA= -00.07%......I=...+00.24%...
AGG=+01.70%.....F=...+01.35%...
...........................G=...+00.07%..

 

[Guest2]

Extended Enrollment for 2009 FEHB Open Season
December 9, 2008


According to the Office of Personnel Management (OPM), the agency is taking steps to provide additional protections for federal employees participating in the FEHB Program who have non-emergency surgeries performed by out-of-network physicians. The agency has asked FEHB carriers to re-evaluate their benefits for non-emergency surgeries. OPM states they are taking this action in response to concerns over a change in coverage in the Blue Cross Blue Shield out-of-network reimbursement that would have established a $7,500 co-pay for out-of-network surgeries. OPM stated they negotiated this change to address situations where enrollees could be billed tens of thousands of dollars for non-emergency surgeries performed by out-of-network providers, a practice known as balance billing.

What This Means To You

According to OPM, federal employees may make belated Open Season enrollment changes to their FEHB Program, Federal Employees Dental and Vision Insurance Program (FEDVIP) and the Federal Flexible Spending Account Program (FSAFEDS) if FEHB benefit changes affect their enrollment decisions in these programs.

Employees will have an extended enrollment opportunity through January 2009 to make any enrollment changes in these programs.
Also, if employees make a belated Open Season change to their enrollment, the effective dates of the belated change will vary among the programs. Depending on the timing of the change and the employee's pay periods, it may take one or more pay periods for the federal benefits deductions/allotments to be adjusted to match the new election.
Emlpoyees need to know that if they make a belated Open Season change and if they have claims for services incurred in 2009 under their former plan, they and/or their provider may be responsible for reimbursing the former plan for any benefits paid.

Effective Dates OPM states that belated FEHB changes will take effect the first day of the pay period that starts on or after January 1, 2009. Belated FEDVIP changes will take effect January 1, 2009. Belated FSAFEDS changes will take effect on January 1, 2009, or the day after the change is received, whichever is later.

 

[JTH]

I never know what to expect from the F-fund, but I am glad it paid out today. I'm hoping for 2-3 days more follow through.

 

[nasa1974]

Extended Enrollment for 2009 FEHB Open Season
December 9, 2008


According to the Office of Personnel Management (OPM), the agency is taking steps to provide additional protections for federal employees participating in the FEHB Program who have non-emergency surgeries performed by out-of-network physicians. The agency has asked FEHB carriers to re-evaluate their benefits for non-emergency surgeries. quote]

SB,

Thanks for the Public Service Announcement. Good news.

Another goofy market day. Everything starts green and teases you until the sell off. This noon EST cut off time sucks even worse than the 2 IFT's.

 

[Guest2]

SB,

Thanks for the Public Service Announcement. Good news.
Another goofy market day. Everything starts green and teases you until the sell off. This noon EST cut off time sucks even worse than the 2 IFT's.

Your welcome. Nasa, If I'm going to be labeled a "Day Trader" then they
should allow us to trade our shares up until the deadline. Of coarse, the
notion of a 3:59pm deadline would be icing on the cake. Its never going
to happen. Neither one.

 

[Guest2]

I never know what to expect from the F-fund, but I am glad it paid out today. I'm hoping for 2-3 days more follow through.

I hope so too ! We were shorted -0.4922% today when you compare
the AGG results against the (F) Fund. But I only expect one day of
makeup in our future. Should she close up, I expect it to be around
a +0.23% maximum. Just a gut feeling.

By the way, I just noticed our YTD percentages and positions.
Now take the lead ! Time to stand point ! I got your back !

 

[Guest2]

Stocks Ready To Bounce Upward !
Coming off a big selloff, markets poised to gain ground as auto
bailout talks reportedly make progress. Good Luck 2 Us All !

 

[Guest2]

I'm seeing some strong resistance at current levels. With this in mind, I've
taken more profit off the table and have finally reached my <1% IFT level.

IFT Today will take effect tonight at the C.O.B.

88%(G) 3%(F) 3%(C) 3%(S) 3%(I)

Good Luck To All Of Us.

 

[Guest2]

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(11/17/08)+0.2385%+0.1035 tsp cents
(11/18/08)+0.0615%+0.0958 tsp cents
(11/19/08)+0.7053%+0.0048 tsp cents
(11/20/08)+0.4283% -0.0446 tsp cents
(11/21/08) -0.9898%+0.0732 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(11/24/08)+0.8559% -0.0785 tsp cents
(11/25/08) -0.4855% -0.0155 tsp cents
(11/26/08) -0.8046%+0.0909 tsp cents
(11/27/08) -0.8046%+0.0909 tsp cents (Holiday)
(11/28/08) -0.1318%+0.0735 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/01/08)+0.6216% -0.0081 tsp cents
(12/02/08) -0.6385%+0.0734 tsp cents
(12/03/08) -0.6890%+0.1629 tsp cents
(12/04/08)+0.2253%+0.1299 tsp cents
(12/05/08)+0.3991%+0.0812 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/08/08) -0.0997%+0.0983 tsp cents
(12/09/08)+0.3953%+0.0453 tsp cents
(12/10/08) -0.8546%+0.1615 tsp cents EAFE: -0.5797% +0.0783 tsp cents

THE KEY:
------------------------------------------------- THEY OWE US ----
+.2000 thru+.2500 Elavated Deficit, (Windfall Coming)
+.1500 thru+.2000 High Deficit (Rarely Goes Higher)
+.1000 thru+.1500 Medium Deficit (Flip A Coin)
+.0000 thru+.1000 Low Deficit (Goal is Met)
------------------------------------------------- WE OWE THEM ---
- .0000 thru -.1000 Minimum Overpayment (Goal is Met)
- .1000 thru -.1500 Low Overpayment, (Flip A Coin)
- .1500 thru -.2000 Medium Overpayment (Rarely Goes Higher)
- .2000 thru -.2500 Elavated Overpayment, (Payback Immanent)
--------------------------------------------------------------------

 

[Guest2]

The first thing I'm noticing while comparing the EAFE vs. the (I) Fund is
that the YTD Difference between the two equals 2.3332% or +$0.3152
TSP Cents. Thats a surprisingly big difference. Then again, the (F) Fund
has a 3.88% or+$0.4773 TSP Cent difference against the AGG. This is
accumulative over the entire year and I'll be check previous year ending
results to see if this be within a normal range. It will take some time to
figure this all out, however, the difference between the two today equals
to only $0.0783 TSP Cents.

Listen, I gotta go. I just got back from the doctors office as I'm having
extremely painful muscle spasms and the muscle relaxers are kicking in.
God it sucks ! See ya in the morning. I'm sorry, I tried my best.

 

[JTH]

(12/10/08) -0.8546%+0.1615 tsp cents EAFE: -0.5797% +0.0783 tsp cents

Thanks for the heads up, I may yet consider getting into an I-Fund position before the end of the year.

I'm finding the F-Fund interesting. It seems the most recent peak was September 9th at 12.3691, and we are now sitting at 12.3158 This is on the high end of the trading range, so I'm hoping to find a good oportunity to pull out of F and get into stocks with my last IFT.

Good luck buddy

 

[KevinD]

Listen, I gotta go. I just got back from the doctors office as I'm having
extremely painful muscle spasms and the muscle relaxers are kicking in.
God it sucks ! See ya in the morning. I'm sorry, I tried my best.

You got nothin' to be sorry for. Rest up and take care of yourself. This will all still be here when you get back.