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no_such_reality
Participant[quote=FlyerInHi]For a more philosophical view, doesn’t anyone think that the police have the duty to de-escalate and smooth out relations with the public?
[/quote]Yes! I do and that’s my primary complaint with current police polocies. The police have adopted the military’s escalation policies and the police are often the ones escalating situations instead of defusing.
no_such_reality
ParticipantI’m not a fan of artificial grass. I think there are other alternatives like xeriscape or buffalo grass.
In the end, artificial grass is just more hardscape. And climate change is being driven by land use and the spread of hardscape. Cities look like rock deserts.
no_such_reality
ParticipantAN. Did you use the UC Verde hybrid developed by the UC schools? Does it need regular mowing? I can only confuse my gardener so much
no_such_reality
ParticipantWhat happens when IBM’s Watson can be held in a single server rack and bought for $100,000?
no_such_reality
ParticipantMOCA seems very bandaid to me. Granted smart to leverage a typically in place legacy technology if you can extend it’s usefulness, but working tech, I’ve had that mind set from exec management bite me in the back side so many times…
I’d probably give the Wifi extender a try first, one like this Netgear maybe.
The wifi extender is two fold solution, fixes the tv streaming and solves the wifi coverage problem.
March 16, 2015 at 8:09 PM in reply to: Real Estate Descriptions that you’ve seen before…..here’s what they mean #783846no_such_reality
Participant“Exceptional award winning schools” – be prepared to spend an equivalent amount of your mortgage on tutors, kumon, SAT prep courses and academic boot camps so your kids can keep up in the AP classes because the teachers are assuming they are in them and skip mass amounts of material letting the tutors fill it in.
January 26, 2015 at 6:22 PM in reply to: Can someone translate “pride of ownership” in terms of real estate listings? #782346no_such_reality
ParticipantPride of ownership means the sellers believe you’re desperate enough to own a home that you’ll be willing to fulfill their over inflated expectations of value.
no_such_reality
ParticipantI’ll go on out on a limb and say that measles, once eradicated in the USA will kill more people in the States than ebola.
no_such_reality
ParticipantDepends on the bankruptcy judge. But she has a government pension and civil lawsuit awards from willful malicious acts may not be dismissible by bankruptcy
no_such_reality
Participant[quote=FlyerInHi]We will see… Let’s give it 20 years.
I think that people will want to live near “town centers” like the Irvine Spectrum. [/quote]
The Irvine Spectrum a town center? Irvine is the definition of burbs.
They have jobs, job concentrations in business parks and during commute times it takes close to an hour to go from one side of irvine to the other.
January 9, 2015 at 9:30 AM in reply to: Anyone Have or Have Done a “Dogs of the Dow” Portfolio? #781789no_such_reality
ParticipantAll ten. The turnover from last year was I think only three positions Three buys, three sells. Plus and extra one because I chnged up from being off cycle.
My concern is the change in Dow components have left companies like AT&T with their high dividend perpetually on the dogs lists. Then again a 5.6% yield isn’t a bad savings account and I think my yield is more like 6.5% on T which kind of cushions the sucky appreciation they have. Verizon is another one, been in the dogs for a decade stock has been very up and down. Over that decade the stock is up a mere 15%
And yes I bought the oil. I’m a fan of oil. Particular XOM. Oil goes up, they make bank on maintaining margin on an increasing cost item. Oil goes down they make bank on increased consumption. cHV too. And both are increasingly alt energy plays too.
The Saudi shake out will benefit XOM and CHV in the long run. IMHO.
January 9, 2015 at 7:02 AM in reply to: Anyone Have or Have Done a “Dogs of the Dow” Portfolio? #781774no_such_reality
ParticipantI’ve done it and do it. Primarily to reduce the churn and time investment of watching the stocks across different portfolio. It’s in a retirement account and treated like Ronco Rotesserie chicken. First day of the year, I make about five sells and buys, and then don’t think about it again for year. Last year, that was pretty much a 30% bump. Granted, with a DJIA index fund, it would have been closer to 26%, and a spdr around 14%, I think.
In spite of the changes in the Dow (favoring growth stocks), it’s a strategy that continues to do pretty well. YMMV because the return metrics are based on last day of the year prices and most gap on the first day. It also plays straight to the point Rich was making in his article the other weeks on valuations.
That said, you pick up a portofolio that performs slightly better than the dow on average and provides a nice little dividend.
The metrics are all well published. Here’s one common site: http://www.dogsofthedow.com/dogs2013p.htm
January 3, 2015 at 8:05 AM in reply to: What are you planning to do in terms of asset allocation for 2015? #781590no_such_reality
ParticipantI think we are suffering a bit from not updating our investing yardsticks We are essentially still using criteria and expectations from 100 years ago. Sure we’ve shifted from dividend stocks to growth stocks accepting lack of dividends but we haven’t shifted our thinking from investment dollars being expensive to being cheap. The shift from retirement funds to 401ks and the growth of the state government funds have flooded investable products with cash.
Many years ago I read an article by a person saying stocks should have PEs that make them look more like bonds. I thought they were nuts at the time but I’m beginning to wonder if the stock market is more like the housing market with money being both cheap and plentiful.
Even if the market pulls back 30%. How fast will it come roaring back 40%?
Cut QE out and the market slows until the first companies put in a decent earning announcement.
Keep in mind there are twelve million high net worth individuals holding $46 trillion. And CalPers has over $260 billion representing 1.7 million with cash inflows of $12 billion a year for a net drain of about $5 billion annually. So while CalPers is a gorilla, they’re a dot in the aggregate
December 31, 2014 at 6:31 AM in reply to: What are you planning to do in terms of asset allocation for 2015? #781542no_such_reality
Participant[quote=moneymaker]Waiting for the big crash, then I’m all in.[/quote]
I know people that have been doing that with housing since 2004…
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