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[quote=waiting for bottom]Starting in 2010, everyone is basically eligible for the Roth. You have to contribute to a traditional, but can transfer to Roth at any time.[/quote]
Here’s a technical article about Roth 2010 “To Roth or Not to Roth: Analyzing the Conversion Opportunity for 2010 and Beyond”

Hit the download button on top
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1476976

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[quote=Chris Scoreboard Johnston]It will be interesting to see what happens if we hit a 20 day low in the indexes. Alot of funds sell at that level, and if enough volume comes in on the sell side, the PPT cannot stop it ala last year[/quote]
Chris,

You must be referring to hedge funds, etc?
The mutual fund flows for the year are about $10B stocks, $236B bonds during the massive stock rally this year. So Joe Public is probably not scared of stocks anymore since they have much higher bond % now. So maybe that’s why stocks rallied so much because Joe Public is always wrong at market tops/bottoms. When fund flows are all stocks, then it will be time to get scared.

http://www.ici.org/pdf/flows_data_2009.pdf

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[quote=Chris Scoreboard Johnston]It will be interesting to see what happens if we hit a 20 day low in the indexes. Alot of funds sell at that level, and if enough volume comes in on the sell side, the PPT cannot stop it ala last year[/quote]
Chris,

You must be referring to hedge funds, etc?
The mutual fund flows for the year are about $10B stocks, $236B bonds during the massive stock rally this year. So Joe Public is probably not scared of stocks anymore since they have much higher bond % now. So maybe that’s why stocks rallied so much because Joe Public is always wrong at market tops/bottoms. When fund flows are all stocks, then it will be time to get scared.

http://www.ici.org/pdf/flows_data_2009.pdf

[equalizer]

[quote=Chris Scoreboard Johnston]It will be interesting to see what happens if we hit a 20 day low in the indexes. Alot of funds sell at that level, and if enough volume comes in on the sell side, the PPT cannot stop it ala last year[/quote]
Chris,

You must be referring to hedge funds, etc?
The mutual fund flows for the year are about $10B stocks, $236B bonds during the massive stock rally this year. So Joe Public is probably not scared of stocks anymore since they have much higher bond % now. So maybe that’s why stocks rallied so much because Joe Public is always wrong at market tops/bottoms. When fund flows are all stocks, then it will be time to get scared.

http://www.ici.org/pdf/flows_data_2009.pdf

[equalizer]

[quote=Chris Scoreboard Johnston]It will be interesting to see what happens if we hit a 20 day low in the indexes. Alot of funds sell at that level, and if enough volume comes in on the sell side, the PPT cannot stop it ala last year[/quote]
Chris,

You must be referring to hedge funds, etc?
The mutual fund flows for the year are about $10B stocks, $236B bonds during the massive stock rally this year. So Joe Public is probably not scared of stocks anymore since they have much higher bond % now. So maybe that’s why stocks rallied so much because Joe Public is always wrong at market tops/bottoms. When fund flows are all stocks, then it will be time to get scared.

http://www.ici.org/pdf/flows_data_2009.pdf

[equalizer]

[quote=Chris Scoreboard Johnston]It will be interesting to see what happens if we hit a 20 day low in the indexes. Alot of funds sell at that level, and if enough volume comes in on the sell side, the PPT cannot stop it ala last year[/quote]
Chris,

You must be referring to hedge funds, etc?
The mutual fund flows for the year are about $10B stocks, $236B bonds during the massive stock rally this year. So Joe Public is probably not scared of stocks anymore since they have much higher bond % now. So maybe that’s why stocks rallied so much because Joe Public is always wrong at market tops/bottoms. When fund flows are all stocks, then it will be time to get scared.

http://www.ici.org/pdf/flows_data_2009.pdf

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Conservative funds for new investors:
(The good Vanguards funds are closed, Primecap, etc)

Vanguard Healthcare (25K min)

Vanguard Balanced Index VBINX

[equalizer]

Conservative funds for new investors:
(The good Vanguards funds are closed, Primecap, etc)

Vanguard Healthcare (25K min)

Vanguard Balanced Index VBINX

[equalizer]

Conservative funds for new investors:
(The good Vanguards funds are closed, Primecap, etc)

Vanguard Healthcare (25K min)

Vanguard Balanced Index VBINX

[equalizer]

Conservative funds for new investors:
(The good Vanguards funds are closed, Primecap, etc)

Vanguard Healthcare (25K min)

Vanguard Balanced Index VBINX

[equalizer]

Conservative funds for new investors:
(The good Vanguards funds are closed, Primecap, etc)

Vanguard Healthcare (25K min)

Vanguard Balanced Index VBINX

[equalizer]

[quote=kicksavedave]Well some people are doing the right thing. …

So not everyone is a deadbeat these days, but the percentage who are, is clearly growing and effecting the overall market somewhat.[/quote]
Good for them, but business owners, esp luxury hotel owners follow their own righteous path. They take out massive loans at the top of the market, set rates at $300-800 a night and hope for a windfall. If the economy is soft as it is now, they burn their contract and ask for lower rates. If their lenders don’t agree, they toss keys out of their Ferrari’s and walk away like they did at San Diego W hotel. In the meantime other hotel owners get burned by bankrupt competition and their profits disappear because of the reckless behavior. So much for the bargaining in full faith/sanctimony of contracts.

http://money.cnn.com/2009/07/24/real_estate/hotels_default/index.htm

Luxury Hotels Risk Default as $850 Rooms Remain Empty

http://www.bloomberg.com/apps/news?pid=20601109&sid=acRimZeJH75o

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[quote=kicksavedave]Well some people are doing the right thing. …

So not everyone is a deadbeat these days, but the percentage who are, is clearly growing and effecting the overall market somewhat.[/quote]
Good for them, but business owners, esp luxury hotel owners follow their own righteous path. They take out massive loans at the top of the market, set rates at $300-800 a night and hope for a windfall. If the economy is soft as it is now, they burn their contract and ask for lower rates. If their lenders don’t agree, they toss keys out of their Ferrari’s and walk away like they did at San Diego W hotel. In the meantime other hotel owners get burned by bankrupt competition and their profits disappear because of the reckless behavior. So much for the bargaining in full faith/sanctimony of contracts.

http://money.cnn.com/2009/07/24/real_estate/hotels_default/index.htm

Luxury Hotels Risk Default as $850 Rooms Remain Empty

http://www.bloomberg.com/apps/news?pid=20601109&sid=acRimZeJH75o

[equalizer]

[quote=kicksavedave]Well some people are doing the right thing. …

So not everyone is a deadbeat these days, but the percentage who are, is clearly growing and effecting the overall market somewhat.[/quote]
Good for them, but business owners, esp luxury hotel owners follow their own righteous path. They take out massive loans at the top of the market, set rates at $300-800 a night and hope for a windfall. If the economy is soft as it is now, they burn their contract and ask for lower rates. If their lenders don’t agree, they toss keys out of their Ferrari’s and walk away like they did at San Diego W hotel. In the meantime other hotel owners get burned by bankrupt competition and their profits disappear because of the reckless behavior. So much for the bargaining in full faith/sanctimony of contracts.

http://money.cnn.com/2009/07/24/real_estate/hotels_default/index.htm

Luxury Hotels Risk Default as $850 Rooms Remain Empty

http://www.bloomberg.com/apps/news?pid=20601109&sid=acRimZeJH75o

[equalizer]

[quote=kicksavedave]Well some people are doing the right thing. …

So not everyone is a deadbeat these days, but the percentage who are, is clearly growing and effecting the overall market somewhat.[/quote]
Good for them, but business owners, esp luxury hotel owners follow their own righteous path. They take out massive loans at the top of the market, set rates at $300-800 a night and hope for a windfall. If the economy is soft as it is now, they burn their contract and ask for lower rates. If their lenders don’t agree, they toss keys out of their Ferrari’s and walk away like they did at San Diego W hotel. In the meantime other hotel owners get burned by bankrupt competition and their profits disappear because of the reckless behavior. So much for the bargaining in full faith/sanctimony of contracts.

http://money.cnn.com/2009/07/24/real_estate/hotels_default/index.htm

Luxury Hotels Risk Default as $850 Rooms Remain Empty

http://www.bloomberg.com/apps/news?pid=20601109&sid=acRimZeJH75o

[Author]

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