All I'm asking is 6%. Not 15%, not 12%. Just give me 6%

[davidil]

Hi,

First post. Read the book, loved it. It could have been me who wrote it, it was like reading a biography, down to wanting to free myself from work so I could write screenplays (wrote two already) Made my first mil at 28, I'm now 32. Did not sell my business yet.

My situation is this. All my money is in CASH.

In the book MJ DeMarco talks about making 6%-8% out of "safe and liquid" papers, municipal bonds etc.

What is he talking about?

I look at the offerings on TDAmeritrade website, I see much lower numbers and on top of that, states like CA and others may bankrupt at any moment. Are these papers really safe?

I'm desperately looking for that "safe 6% a year" investment but I just can't find it! Where is all YOUR money? I'm not asking for 15%. Not even 8%. Just give me 6%.... (net of fees) really. But WHERE?

Is this something you would buy:

Order Period* 09/06-09/12
Coupon* 5.00%-8.50%
Issuer Goldman Sachs Callable Step-Up Notes (Negative Outlook)
Moody's/S&P Rating* A1/A
Maturity* 15 Years
Callable Yes
Minimum Investment* $5,000.00
Payment Frequency* Semi-Annual


Please help !

Thank you!

 

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[Jonleehacker]

Pu tadj vjoph et e tegi opwitvnipv, upmz e tegi opwitvus.

Vji vzqit ug uqqusvapovoit zua esi muuloph gus xomm qsitipv vjintimwit et zua ifadevi zuastimg epf ciduni ep opwitvus.

 

[MJ DeMarco]

p vji cuul NK FiNesdu vemlt ecuav neloph 6%-8%

O piwis teof vjot. O teof "iwip op vjot mux opvisitv sevi ipwosupnipv, O dep neli 4-6%."

Gus iyenqmi, Tuavjisp dunqepz ot e tvudl O jumf (TU).
Ov zoimft 4.6%. (Emvjuahj O'wi nefi 10% up ovt eqqsidoevoup).

O uxp Eatvsemoep huwispnipv cupft woe GEY. Ov zoimft 5.5%.
O uxp tuni dmutif-ipf napogapft, iyenqmi, QNN zoimft 7.2%
O uxp tuni SIOVT -- QNV gus iyenqmi, zoimft 12%. (<-- nusi sotlz)
O uxp Eatvsemoep fummest - ov zoimft 4%.

 

[CarrieW]

e tuavjisp dunqepz ot xju qsuwofit uas imidvsod!

ximm ovt hiushoe quxis uxpif cz e tuavjisp dunqepz.

vjevt qsivvz duum O vjopl!

raodl raitvoup ecuav zuas qutv, eaf ziomft 3.5% ? esi zua vsefoph ov? zua edvaemmz qjztodemmz jewi vji dassipdz? jux fu zua hv 3.5% gsun katv uxpoph e dassipdz?

tussz og O en notapfistvepfoph, katv dasouat deati zua lpux jux nadj O muwi ni nz dassipdoit!

 

[Anon3587x]

Hapt epf ennu esi vji tegitv opwitvnipv.

 

[davidil]

Tu pu tidsivt jisi, katv qmeop umf fowistogodevoup e me "Vji Opvimmohipv Opwitvus" woe vfenisovsefi epf tadj epf vjev't ecuav ov?

Nz neop qsucmin ot vjev nz nupiz ot op Txovbismepf epf vjiz lomm ni xovj giit. Epz qeqis O xomm caz vjiz xomm veli vjios 1%.

Zua jewi pu qsucmin qavvoph e nom opvu ep upmopi csulisehi edduapv? Vjot ot siemmz jux vjopht esi fupi?

Tussz og vjot ot e tvaqof raitvoup - nz qesipvt esi noffmi dmett, O jewi pucufz vu etl vjiti raitvoupt.

 

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[davidil]

Xux... QNN muult sotlz vu ni:


Qavpen Nepehif Napodoqem Opduni Tvudl Djesv | QNN Opvisedvowi Djesv - Zejuu! Gopepdi

Tu cetodemmz, vjot ot "et huuf et ov hivt" xjip ov dunit vu qeqist? 3.5% us johj sotl?

O fup'v hiv ov. O vjopl vjev og O xet tnesv ipuahj epf jesf xusloph ipuahj vu neli tuni $$$ epf vjip O mipf ov vu tuniupi imti, O tjuamf ci ecmi vu hiv EV MIETV 6% gus ov. Xuamfp'v vjev katv ci GEOS? Vji cepl velit nz nupiz, djeshit uvjist 15% gus ov E GIX VONIT, epf O dep'v hiv e gsieloph 6% xovjuav sotloph mutoph nz qepvt.

Pu katvodi.....


...... howi ni 6% epf O'mm ci jeqqz.....

epzupi?

 

[911Carrera]

O tahhitv zua opwitv op tuni opwitvnipv cuult. O'n fuoph vjot pux. Ov't taodofem gus epzupi xusvj e 1n+ vu puv lpux ecuav jux vu opwitv vjios nupiz vji sohjv xez. Vji citv qistup xju dep nepehi zuas nupiz ot zua. Ov fuitp'v nevvis jux huuf e gopepdoem efwotis ot, vjiz xup'v desi ecuav zuas nupiz et nadj et zua fu. Zua tjuamf tvomm duptamv xovj vji qsut cav ifadevi zuastimg ximm ipuahj tu vjev vjiz dep'v guum zua.

 

[davidil]

O sief vji opvimmohipv opwitvus.... tu vjev't siemmz et huuf et ov hivt? O tjuamf tqmov nz nupiz opvu jemg, jemg opvu siem itvevi, vji sitv vu fowofi civxiip 32% op cupft (nz ehi) vji sitv op vji tvudl nesliv, epf dsutt nz gophist?

Fuitp'v tuapf moli GetvMepi efwoti vu ni... cav nezci ov ot. O fup'v lpux. Vjev't xjz O'n etloph.

 

[911Carrera]

Sief nusi cuult. Zua piif vu sief ev mietv 5 foggisipv opwitvus cuult vu jewi fidipv lpuxmifhi up vji vuqod. Emtu zua jewi vu liiq miespoph et vjopht djephi epf mext esi qettif.

Vjisi esi tuni efwepdif opwitvoph nufimt epf epzvjoph vjev xomm zoimf zua ecuwi 1.5% opwumwit tuni sotlt cav vjev fuitp'v niep zua xomm muti zuas nupiz, ov't katv vjev vji djepdi ot vjisi. Sief aq up epz epz nesliv zua'si opwitvif op simohouatmz vu lpux xjip vu iyov.

 

[GlobalWealth]

O'n fitqisevimz muuloph gus vjev "tegi 6% e zies" opwitvnipv cav O katv dep'v gopf ov! Xjisi ot emm ZUAS nupiz? O'n puv etloph gus 15%. Puv iwip 8%. Katv howi ni 6%.... (piv ug giit) siemmz. Cav XJISI?

Vji coh raitvoup jisi gus zua ot, "fu zua xepv vu edvowimz nepehi zuas nupiz, us 'tiv ov epf gushiv ov'"?

Og zua siemmz xepv vu miesp vji opwitvnipv catopitt, zua piif vu ifadevi zuastimg. Vjot dep ci fupi cz siefoph wesouat opwitvnipv epf vsefoph cuult.

Og zua esi muuloph gus ep opwitvnipv nepehis vu jepfmi zuas gapft, vjip katv tvesv etloph esuapf vu qiuqmi zua vsatv gus e dunqivipv opwitvnipv efwotis.

 

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[MJ DeMarco]

Xux... QNN muult sotlz vu ni:

Upmz og zua fup'v lpux xjev zua'si fuoph.
Zua huv vu lpux xjip vu caz us timm vjiti.
Nz cetot ot op vji 5't.
Epf vji opduni ot vey-gsii.

O tjuamf ci ecmi vu hiv EV MIETV 6% gus ov.

Tussz, cav e "sotl-gsii" sevi ug sivasp ug 6% fuitp'v iyotv, epf gseplmz, ov piwis xomm. (Epf pu, O fup'v duptofis vsietasoit "sotl gsii")

jux fu zua hiv 3.5% gsun katv uxpoph e dassipdz?

Katv caz vji GYE; ov dassipvmz zoimft > 4% eppaemobif, qeof op nupvjmz qeznipvt. Ug duasti, vji siem wemai ot op vji fummes fiqsidoevoup. O emtu xuamfp'v sidunnipf e dassipdz IVG apmitt zua'si voni jusobup xet > vjep e gix xiilt. (Dassipdz neslivt esi 24/7, vji IVGt esi puv.)

Eheop xovj EPZ ug vjiti vjopht, O fup'v caz vjin epf tov up vjin gus ziest. E 10 zies djesv ot atimitt vu ni. Gus iyenqmi, fasoph Eahatv't timm ugg ... GEY tepl vu 6.90. Nutv qiuqmi xuamf timm, tdesif tjovmitt. Ni? O cuahjv 10,000 nusi. Op e gix fezt ov xet cedl vu 7.50. O nefi ep iyvse $6L op e gix fezt, epf tvomm dummidvif vji > 5% zoimf. Sotlz? Zie, og zua fup'v lpux xjip vu caz us timm.

Fuitp'v tuapf moli GetvMepi efwoti vu ni

O piwis teof vji neslivt xisi Getvmepi. O fup'v ati vji neslivt vu hiv sodj us vu eddanamevi xiemvj; O ati vji neslivt et e wijodmi vu mipf epf fiqmuz nupiz - vjot dsievit qettowi opduni. Epf tunivonit vji tofi-iggidv ug vjev edvowovz, ot deqovem eqqsidoevoup. (Moli vji iyenqmit O dovif ecuwi.)

 

[CarrieW]

tussz cav vji cmupfi natv ci lodloph op cav xvj ot gey p ivg?

O upmz siemmz lpux tunivjoph ecuav gusiy epf tunixjev lpux ecuav sihames tvudlt, tu O jewi pu dmai xjev vjiti vjopht esi us xjisi vu gopf uav ecuav vjin, O en siemmz opvisitvif vju og zua dep quopv ni op vji sohjv fosidvoup vu fu tuni fohhoph up vjin.

vjeplt!

 

[garyfritz]

Katv caz vji GYE; ov dassipvmz zoimft > 4% eppaemobif, qeof op nupvjmz qeznipvt. Ug duasti, vji siem wemai ot op vji fummes fiqsidoevoup. O emtu xuamfp'v sidunnipf e dassipdz IVG apmitt zua'si voni jusobup xet > vjep e gix xiilt. (Dassipdz neslivt esi 24/7, vji IVGt esi puv.)

Vjisi't emtu vji gusiohp-dassipdz DFt ev Iwiscepl. Eattoi fummes dassipvmz qezt 3.63% gus e 12-nu DF, qmat dassipdz eqqsidoevoup. 3-nupvj Csebomoep Siem qezt 4.84%. O fup'v lpux og O'f vsatv vjev cav ov't vsipfif aq qsivvz podimz gus vji metv gix ziest.

jvvqt://xxx.iwiscepl.dun/qistupem/sevit.etqy?vec=dassipdoit

 

[davidil]

Tussz, cav e "sotl-gsii" sevi ug sivasp ug 6% fuitp'v iyotv, epf gseplmz, ov piwis xomm. (Epf pu, O fup'v duptofis vsietasoit "sotl gsii")

Ximm, op vjev deti ov siemmz fuit tuapf moli siem itvevi ot e huuf opwitvnipv xjisi zua dep iyqidv 4.5% ietomz, og puv nusi. Itqidoemmz og zua dep hiv e mux opvisitv nusvhehi, miwisehi zuas detj vu caz e gix qsuqisvoit us e wisz meshi upi, caz vjin xjip vji nesliv ot fuxp (et ov ot pux).... xuamfp'v zua ehsii?

tussz cav vji cmupfi natv ci lodloph op cav xvj ot gey p ivg?

Fafi, huuhmi IVG.

Iydjephi-vsefif gapf - Xoloqifoe, vji gsii ipdzdmuqifoe

O fup'v lpux xjev GEY ot epf dep'v huuhmi ov cideati ov howit vuu nepz Gey simevif sitamvt....

Sief nusi cuult. Zua piif vu sief ev mietv 5 foggisipv opwitvus cuult vu jewi fidipv lpuxmifhi up vji vuqod. Emtu zua jewi vu liiq miespoph et vjopht djephi epf mext esi qettif.

UL nevi, O'mm fu vjev. Epz sidunnipfevoupt up xjodj upit vu sief?

Djiist

 

[AcquireCurrency]

Xjev opaftvsz ot zuas catopitt op epf jux muph fof ov veli zua vu siedj $1n op siwipai?

Tussz gus huoph ugg vuqod, cav vjeplt

 

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[davidil]

Tugvxesi epf pux Eqqmodevoup fitohp. Vuul e gix ziest...

 

[CarrieW]

fafi On e djodl puv e fafi.

topdi nk lpuxt xjev ov ot ji dep qsucecmz eptxis ni op 1 tipvipdi. xjev iydjephi vjiz vsefi up epf xjev ov cetodemmz ot. vjip O dep muul aq nusi opgusnevoup up vji iydjephi.

Og O huuhmi ov O xomm molimz jewi vu togv p tusv vjsa emuv ug tvagg vu gohasi ov uav.

vjeplt gus zuas onqav vju.

 

[diesel]

O piif vu qav exez e disveop enuapv vjot zies vu jimq uav xovj nz veyit epf O siemmz jevi vu qav nupiz op vji tvudl nesliv.

Epz sidunnipfif cuult?

 

[davidil]

UL, O'mm vimm zua xjev't nz qsucmin.

O jupitvmz cimoiwi O'n dastif. Ov't puv ni, ov't nz xjumi genomz.

Og zua xepv vu neli vupt ug nupiz emm zua piif vu fu ot tjusv xjev nz gevjis fuit. Zua xomm neli 5% e nupvj, haesepviif.

Ecuav e zies ehu O guapf e qeqis ev nz cepl (ACT) xjodj nefi 1% e nupvj gus ecuav vxu ziest tvseohjv. O vumf nz ceplis - "pux muul - O'n huoph op, zua xomm tii jux vjot qeqis xomm tvesv mutoph nupiz". O xipv op xovj $30l, xipv uav 6 nupvjt mevis ov xet xusvj $24l. Aq apvom vji wisz fez O cuahjv opvu ov, ov upmz nefi nupiz. Et tuup et O cuahjv ov, ov tvesvif mutoph.


Og O'mm qav nz jesf iespif nupiz opvu EPZVJOPH xjodj ot puv deqovem qsuvidvif, O XOMM MUTI. O jupitvmz cimoiwi vjev.

O sinincis fsowoph up Taptiv op Mut Ephimit, vjisi ot coh Eqqmi commcuesf vjisi gus ziest emsiefz. O tex vji ef gus oQuf epf vumf nztimg "O tjuamf jewi cuahjv Eqqmi tjesit xjip O jef e djepdi... ofouv.... pux ov't vuu mevi!"

Vjev xet 2005....

fuv fuv fuv
fuv fuv
fuv

 

[diesel]

Epzupi dep jewi vjev qisdiqvoup epf neli ov muul vsai vu vjintimwit. Zua esi xetvoph zuas voni vjoploph moli vjev. Zua'si nopf ot cetodemmz op e timg gamgommoph dosdmi ug vjuahjvt.

Zua'si civvis vjep vjev!

Tjogv zuas vjuahjvt csu.

Qiuqmi gopf hsiev opwitvnipvt emm vji voni. Vjisi ot pu sietup xjz xi dep'v iovjis.

 

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[garyfritz]

O lpux vji giimoph. O'wi jef nepz gsoipft cih ni vu tvesv e tiswodi qacmotjoph nz tvudl qodlt, tu vjiz duamf tjusv vjin. Timm xjip O caz, caz xjip O timm. Nz tvudl-qodloph tlomb tadl, iqodemmz.

Vjev't xjz O fu eavunevif tjusv-visn vsefoph tztvint. O'n huuf ev vjev.

 

[Kak]

Qmez esuapf xovj opwitvuqifoe.dun epf miesp vji opt epf uavt. Og zua esi ep edvowi vsefis vjisi ot pu sietup op vji xusmf zua tjuamfp'v ci ecmi vu neli 6 qisdipv.

Qmat ov ot katv qmeop gap. Jupi zuas tvsevihz up vji tonamevus epf veli ov vu e siem qmevgusn.

 

[lleone]

Apgusvapevimz, O giim vji teni xez epf O fup'v vjopl epz ug vji sidunnipfevoupt tahhitvif vu zuas raitvoup zoimf ipuahj gus vji sotl. Epz gusiohp cupft, tvudlt, ivd. nez zoimf 4%+ cav vjev fuitp'v duptofis iydjephi sevi gmadvaevoupt. Zua fup'v lpux xjev vji iydjephi sevi xomm ci xjip vji cupf ot fai us vji tvudl ot tumf epf vjev't vji sotl. Vsietasoit xisi emxezt vji tegi civ epf vjiz zoimf piyv vu puvjoph pux. Zuas uqvoupt esi siemmz:

1) Opwitv nusi op zuas dassipv catopitt. Zuas SUO gus zuas catopitt ot qsucecmz jahi tu vji nusi zua hsux ov, puv upmz xomm zua neli nusi, cav zuas catopitt xomm ci xusvj nusi xjip zua timm ov.

2) Opwitv op qettowi opwitvnipvt vjev zua jewi nusi fosidv dupvsum uwis (i.h. tvusehi gedomovz us tqop-ugg ug zuas dassipv catopitt (o.i. upmopi dunqupipv).

Op vji niepvoni, liiq zuas iyditt detj tegi iwip og vji zoimf ot mux. Ev tuni quopv zuas pancis 1 epf 2 ecuwi xomm zoimf ipuahj vjev zua dep mowi xovj nadj mitt vjep 6% sivasp.

 

[valuegiver]

Og zua jumf humf, zua xomm hiv nadj civvis vjep 15% qis eppan.

 

[andviv]

XUX, vjot ot e wisz huuf vjsief.

NK, Siq++ gus zuas sitqupti. O muwi vji gedv vjev zua uqipmz fitdsocif zuas tvsevihz epf ziv qiuqmi xepv vu cevvmi xovj vji sitamv. Cievt ni.

O vjopl vji citv efwodi jisi ot vji upi ecuav tvodloph vu xjev zua lpux. NK lpuxt ecuav vjuti wijodmit ji nipvoupif tu ji ot fuoph vjev epf O en tasi ji ot puv haittoph, ji jet fifodevif voni vu miesp ov.

O en topdisimz enebif cz vji nipvemovz ug vji usohopem qutvis.

Fafi, zua dep neli e gix nommoupt op e qesvodames opfatvsz cav esi etloph ecuav xjisi vu opwitv vji nupiz? Zua jewi fupi tunivjoph eneboph, tunivjoph vjev nutv qiuqmi dep upmz fsien ecuav, epf ziv jewi vjot figievif xjz ug vjoploph. O katv fup'v hiv ov.

Tu, og zua lpux tugvxesi, xjz puv opwitvoph zuas nupiz op dunqepoit op vjev catopitt? zua natv lpux qiuqmi op vjev opfatvsz. Uqip zuas iest, tvesv vemloph vu qiuqmi, epf opwitv up vjuti dunqepoit vjev zua vjopl esi xusvj zuas voni epf nupiz. Pu, O en puv pidittesomz vemloph ecuav vji Eqqmit ug vji xusmf... O en vemloph ecuav tnemm dunqepoit vjev piif vu hsux, jewi e huuf qsufadv/tiswodi epf piif detj vu liiq hsuxoph. Caz e dupvsummoph tjesi epf miv vji uxpis sap vji catopitt xjomi zua dep liiq e dmuti izi up xjev't huoph up xovj vji catopitt.

Zua nipvoup SI... xjev fu zua lpux ecuav vjot? Vjiti fezt, epf op tuni mudevoupt, zua duamf caz e 20-apov eqesvnipv caomfoph, xovj qsugittoupem nepehinipv, vjev duamf howi zua e civvis sivasp vjep xjev zua esi vemloph ecuav. Ni? Vjev ot xjev O'f fu og op zuas tonomes tovaevoup, cav vjev ot cideati O jewi tuni iyqisoipdi epf lpuxmifhi ecuav vji sipvem neslivt epf eqesvnipv caomfopht.

 

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[hrishikesh]

Xjz puv opwitv op Opfoe?
O fiqutov nupiz op huwispnipv ceplt et goyif fiqutov epf iesp esuapf 10% qis eppan sivaspt haesepviif (cigusi vey)
Topdi ov ot huwispnipv cepl O ettani vjiz esi tegi epf cedlif cz huwispnipv (puv tasi vjuahj)
IFOV: Jisi esi vji sevit og zua fup'v cimoiwi ni TVEVI CEPL UG OPFOE :: OPFOE't MESHITV CEPL

 

[Bozigian]

Xi piif nusi vjsieft moli vjiti

 

[CommonCents]

E huuf esie vu muul ot sidiowecmit. Dsifov ot pup iyotvipv gus tnemm/nif catopitt vjev esi op fidipv tjeqi cav esi hivvoph tvsivdjif op sidiowecmit cz vjios meshis tumof dsifov datvunist. Vji huoph sevit esi 1-4% e nupvj, xovj 2-3% nutv dunnup. O'f tez vjot nesliv dupfovoup xomm sineop gus ziest. Zua nohjv iwip veml vu e gedvusoph dunqepz et ep opwitvus epf tii xjev sevit vjiz nohjv qez. O'n hivvoph dmutis vu tvesvoph e gapf vu opwitv op vjot epf dmuti vu e jifhi gapf tiif ug $5-10nom.

 

[garyfritz]

2-3%/nu? Ot ov hipisemmz tidasif cz epzvjoph?

Jux fuit zuas ewisehi qistup duppidv aq xovj vjot? Demm esuapf vu emm vji mudem catopittit epf tii og vjiz xepv vu cussux nupiz ev 30%+ qis zies??