Archive - November 14, 2014

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Was 2013 a Record Shattering Market Top?
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Wants and Needs

Was 2013 a Record Shattering Market Top?

There have been three stock rallies in 89 years comparable to 2013’s. These were 1945, 1958, 1989 to compare to 2013.

In 2013 the market had a 34% Total Return and the 12 month CPI was 1.5%. In 1989 inflation was 4.8%, so deflating 1989’s 36% Total Return by the amount that its inflation exceed 2013’s, about 3%, means that the 36% Total Return of 1989 was more like 33% versus the 34% of 2013, so truly 2013 was a record shattering rally. In 1989 there was huge global bubble top caused by Japan which inflated U.S. real estate and …

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Wants and Needs

350px-kiaules_metai1_2007-01-112Sometimes when we need more money for a specific goal in the future such as retirement, college, a down payment on a home or an emergency fund we may feel that before these things can happen we need to make more money. We may feel that once our incomes are up to a certain level that we’ll be able to afford to save for those goals.

It may not be necessary to earn more in order to achieve the above goals. For many folks the solution is simply to prioritize. In other words, learning to distinguish between the wants and …

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