Your Survival Guy

Preparing your investments and family for when disaster strikes.

Disclosure

  • Home
  • Your Survival
    • Special Report: FOOD SHORTAGE: Crazed Hoarding Is Not Preparing
    • Your Survival Guy’s Super States
    • Constitutional Carry
    • EMP Threat
    • Tucker Explains
    • Newport Gas Outage
    • Water
      • Emergency Water Storage
      • Let There Be Water
    • Get Your Gun and Your Training Now
    • Satellite Phones
    • Navy SEAL Survival Kit
  • Your Money
    • Coronavirus Infects Stock Market
    • Looking for a Better America
    • You Invest, They Win
    • Where to Keep Your Cash
    • Paris
    • How to Buy a Boat
    • Dead or Alive? The Future of Long-Term Investing
    • Is Vanguard too Big?
    • Cryptocosm and Life After Google
    • The Last Intelligence Report
    • The Truth Behind the S&P 500
    • RAGE Gauge
    • How Many “Retirees” Will Keep Working?
    • Your Retirement Life
    • You’ll Love This if You’re Dreaming of an Active Retirement Life
  • Weapons
    • Self Defense
    • Every Family Should Own at Least One Shotgun: Here Are Three
  • About Me
    • Your Survival Guy: “Life on Main Street Hasn’t Been This Hard in a While”
    • Preparing for Times Like These
    • My Videos/Pics
    • Music
      • RIP Neil Peart: You Will Always Be Remembered as a “Modern-Day Warrior”
    • Your Survival Guy: Make Your Bed and The Hero Code
  • You
    • Our Cabin on Kodiak, Alaska
    • If You Are in Pain, this May Help. It Helped Me.
    • How to Save for a Grandchild
    • FIRE! Financial Independence, Retire Early
    • Compound Interest
    • Arithmetic of Portfolio Losses
    • Maximum Portfolio Withdrawal Rate
    • An Efficient Frontier
    • Retirement Compounders
    • Counterbalanced Total Returns
  • Survive & Thrive
    • August 2022
    • July 2022
    • June 2022
    • May 2022
    • April 2022
    • March 2022
    • February 2022
    • January 2022
    • December 2021
    • November 2021
    • October 2021
    • September 2021
    • August 2021
    • July 2021
    • June 2021
    • May 2021
    • April 2021
    • March 2021
    • February 2021
    • January 2021
    • December 2020
    • November 2020
    • October 2020
    • September 2020
    • August 2020
    • July 2020
    • June 2020
    • May 2020
    • April 2020
    • March 2020
    • February 2020
    • January 2020
    • December 2019
    • November 2019
    • October 2019
    • September 2019
    • August 2019
    • July 2019
    • June 2019
    • May 2019
    • April 2019
    • March 2019
    • February 2019
    • January 2019
    • December 2018
    • November 2018
    • October 2018
    • September 2018
    • August 2018
    • July 2018
    • June 2018
    • May 2018
    • April 2018
    • March 2018
    • February 2018
    • Welcome

Warning! Pension Funds Continue to Swing for the Fences

June 1, 2016 By E.J. Smith - Your Survival Guy

You really can’t make this stuff up. Pension funds refuse to read the writing on the wall: We are living in a reduced return world. It’s as simple as that. Yet instead of taking their lumps, and I’m not even talking about funding what they should have paid years ago into the plan, they are reaching for returns. If you’ve learned anything from my posts to you about investing, it’s that you cannot “hope” for the market to do something for you. You do not want to “reach” for returns. And yet that’s what pensions are doing. It’s not teachers, firemen, and policemen doing this. They leave it to … [Read more...]

Retirement State: Which States have the Highest Estate or Inheritance Tax?

May 31, 2016 By E.J. Smith - Your Survival Guy

There’s a lot of reasons for New Englanders to retire to Florida or New Hampshire. From the Tax Foundation: In addition to the federal estate tax of 40 percent (which is fourth highest in the OECD), many U.S. states levy their own estate and inheritance taxes.  Estate taxes are charged against the estate regardless of who inherits the assets, while inheritance taxes are levied on the transfer of assets to heirs, based on the relationship of the inheritor to the deceased. In the case of inheritance taxes, spouses, children, or siblings often have different exemptions and experience … [Read more...]

Meet the One Person Every Business in the World Needs

May 27, 2016 By E.J. Smith - Your Survival Guy

Happy Memorial Day Weekend. Time for remembrance. Time for summer. Time to get to work. When I was a kid I had three different jobs: a paper route, cutting lawns, and scooping ice-cream. One person I met at all three was, “the customer.” At the first job, the paper-route, I didn’t see the customer every day, but I would if I missed a house, got bit by their dog, was late, or needed to collect money. At the second job, cutting lawns, I’d see them if I missed a spot, got stung by a bee from their bee box or needed to collect money. And at the third-one, scooping ice-cream, there was a never … [Read more...]

Hedge Funds Fail

May 25, 2016 By E.J. Smith - Your Survival Guy

This week it was reported that Tudor Investment Corp., one of America’s most expensive hedge funds, will be cutting its very high fees from 2.75% of assets and 27 percent of profits to a still very high 2.25% and 25% respectively. Still much higher than most of the confiscatory fees one will find among hedge funds. After hearing this I recalled what Dick Young wrote in his Intelligence Report a couple months ago, Hedge Funds Fail. Hedge Funds Fail Given the above, it was with some astonishment that I read Tim Martin and Rob Copeland's recent Wall Street Journal exposé "Investors Pull Cash … [Read more...]

Joseph’s Garage Featured in Babson Magazine

May 24, 2016 By E.J. Smith - Your Survival Guy

You will love this story about the Joseph brothers featured in Babson Magazine Spring 2016. They run a third-generation business in Norwell, MA started by their grandfather in 1928. It reminded me of a family run gas station in Newport that closed not too long ago. Just like Cheers everybody knew your name, your kids’ names, and always had a dog treat handy. Technology can’t replace everything. The Joseph brothers don’t bother having business meetings. Many times, they can come to a decision without even saying a word to each other. Art and John, both ’84, are the third-generation owners … [Read more...]

Existing Home Prices Red Hot

May 23, 2016 By E.J. Smith - Your Survival Guy

The average prices paid in sales of existing homes is nearing it 2006 high (12 month moving average). Historically low Federal Reserve rates and unprecedented quantitative easing have nearly achieved creating a complete rebound in existing home prices. The 12 month moving average of the sales price measure is only 1% below its all-time high. … [Read more...]

Sorry, The Game is O-V-E-R for these 2 Mutual Funds

May 20, 2016 By E.J. Smith - Your Survival Guy

The game is over for the Putnam Capital Spectrum and Equity Spectrum funds. Sorry to be so harsh. But that’s simply the way I see it. Not to pat my own back but I’ve pointed out in the past how Putnam has been guilty of being more of a marketing machine than a Prudent-Man oriented asset management firm. After reading this excellent blog by Jason Zweig in his WSJ Intelligent Investor column, I feel even stronger about Putnam's focus on marketing over Prudent-Man-type asset management. Zweig points out that these funds hold close to three-quarters of their assets under management in their top … [Read more...]

Looking Back at a Random Walk Down Wall Street

May 19, 2016 By E.J. Smith - Your Survival Guy

Burton Malkiel has released a new edition of his book A Radom Walk Down Wall Street. In it he recommends substituting a part of a bond portfolio with high-yielding stocks. This is rotten advice and will likely get his followers into some trouble down the road. Yes, bond yields are low, but bonds should always be in your portfolio. I’ve called out Mr. Malkiel in the past on his tendency to offer up poor recommendations while talking up his book. For example when he talks about China: But, a couple of years ago, in late 2010, Malkiel recommended overweighting China. The following year, last … [Read more...]

Pensions in a Load of Trouble, Part II

May 18, 2016 By E.J. Smith - Your Survival Guy

The state of Rhode Island has been a big-time investor, through its pensions, in hedge funds. Retired teachers who depend on this money for retirement should not be invested in hedge funds. It’s as simple as that. Unfortunately in the world of public pensions big committees and chest thumping rule the day. Egos and resume building cloud judgement. And performance takes a hit. It’s no surprise that hedge funds are coming under attack. Assets are heading out the door. This could have been avoided. Read more here on Pensions in a Load of Trouble Part I FLASHBACK: RI Pension Agreement … [Read more...]

Dividends are Back!

May 16, 2016 By E.J. Smith - Your Survival Guy

Dividends are back. “The humble dividend is reclaiming its rightful place as the arbiter of stock-market value. In three of the four biggest developed markets, shares offer a higher yield than the longest-dated government bond, and in the fourth—the U.S.—the dividend yield beats even a 20-year bond,” writes James Mackintosh at The WSJ. But offering higher yields than the longest-dated government bonds is like jumping over a candle stick. “The low returns on the longest-dated bonds are extraordinary: 0.3% on Japan’s 40-year government bond, 0.9% on Germany’s 30-year bund, 2.1% on Britain’s … [Read more...]

  • « Previous Page
  • 1
  • …
  • 166
  • 167
  • 168
  • 169
  • 170
  • …
  • 176
  • Next Page »
Money 101

Trending

  • Survive and Thrive August 2022: “Watch This Boat off Our Stern,” My Dad Said “He’s Coming in HOT”
  • 80 Year Old California Shop Owner Shoots Rifle-Wielding Intruder's Arm Off
  • WATCH OUT: The IRS Made New Changes to Your IRA
  • DESANTIS RESISTS: Suspends Soros-Funded Destruction of America
  • HUGE CONGRATULATIONS: Joe Kent BEATS Trump-Impeaching Jaime Herrera Beutler in Washington Congressional Primary
  • PRIMARY RESULTS: Pro-Trump Candidates Clean Up
  • New Secret Weapon is Like Dropping Anvils on Terrorists Heads
  • MAJOR WARNING ON FOOD SHORTAGES: Businesses Prepare for Violence
  • Do You Have $500,000 in Savings? Avoid This Nightmare
  • Record Breaking Slowdown in Housing Price Growth

Must Reads

  • Some Lessons You Just Can’t Get from a Textbook
  • PREPPING: You Don’t Have to Save the World in a Weekend
  • Your Job as an Investor Is Not What You Think
  • BLOCKBUSTER SPEECH: Congressman Defends the Second Amendment
  • Investment Advice: Sticking with the Four-Year-Olds
  • HELLO: “How’s It Going? I Don’t Know Anything”
  • Bad Guy with a Gun STOPPED by Good Woman with a Gun
  • Will the Russian-Ukrainian War Go Nuclear?
  • Why Mutual Funds and ETFs No Longer Work
  • This State Leads America in Gun Ownership
Only if You’re Serious
Crazed Hoarding Is not Preparing
How to Save Rainwater Effectively
Your Survival Guy in Paris
Your Survival Guy's Fishing Stories
Financial Independence, Retire Early
Money 101
Pandemic Creates Virtual Panopticon
Emergency Water Storage
Find Freedom in America
Second Amendment
How Can You Save Money for Your Grandchild
Great Reset
See Who's Missing the Boat
Richard  Young Reports
How You Can Save Money for Your Grandchild
Why Fidelity is Number One
The Best States for Survival
You Invest, They Win
Escape the City
Why Vanguard is Too Big for YOU
Island Life

Copyright © 2022 | Terms & Conditions