The last warm days of summer are great for reading at the beach. For me, it is very customary to take summer vacations away from the usual daily grind for a few weeks. Sometimes I even take a couple of these vacation breaks during the summer and winter, it really clears my head, gives me a good opportunity to have one-on-one time with family & friends.
Specifically during the past 35-years I also take extended breaks away (weeks, even months) from intra-day Stock Market trading. We all know how stressful it can be.
This summers performance of my intra-day trading portfolio was not at all stellar for me, and I really question whether the risk (and stress) versus reward was worth it.
Going forward from the end of summer into the fall (we all fear the September - October stock market cycles) my sense is that intra-day trading will continue to be very challenging with
volatile extreme intra-day swings, while investing in the stock markets even more difficult, investing might resemble casino bets, more than ever before.
This summers performance of my long-term investment portfolio was about as expected, and probably will be stable for a few more years, assuming that the FDIC continues to perform at its
excellent level of responsibility, and the Banks in receivership begin to reduce. However, the monthly cash-flow yield from the fixed-income category of this portfolio will be difficult
to match going forward after the next decade, since I allocate over 80% of this category to FDIC Bank CDs (10 year plus maturities) and replacement CD purchases nowadays are
almost half of the yield I was securing just a few years ago. Therefore, I will need to add a bit more risk to this portfolio and allocate a bit more capital into equity high-yield bonds,
bond-funds, bond-etfs, reits, and dividend paying stocks. This is definitely not my preference, since I would rather allocate to FDIC Bank CDs, I think the FDIC has maintained an excellent
focus on guaranteeing principal and delivering cash-flow of failed banks.
As we all do; I have some very strong opinions about the overall US & Global economy, which I will keep private. But as I have stated publicly here in the community various times,
we must begin using
Common Sense and I believe investing and trading must be accomplished with much better refined risk versus reward metrics, and focus on the preservation of capital.
I don't think that it is only my personal perception that the stock markets behavior is very fishy.
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The 110th U.S. bank failure of 2010. Palos Bank and Trust Company -
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On August 10, 2010, the FDIC Board of Directors adopted the attached final rule amending its insurance regulations (12 C.F.R. Part 330) and advertising regulations (12 C.F.R. Part 328)
to conform with provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which permanently increased the standard maximum deposit insurance amount (SMDIA) from $100,000 to $250,000. This permanent increase in the SMDIA became effective July 22, 2010.
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FMHI independently verifies 100% principal returned from Ravenswood Bank holdings and correct interest cash flow paid. Wintrust Financial Corporation Acquires Ravenswood Bank in FDIC-Assisted Transaction -
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FDIC Deposit Insurance Coverage Increased by Wall Street Reform and Consumer Protection Act into law, which, in part, permanently raises the current standard maximum deposit insurance amount (SMDIA) to $250,000 -
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Why the FDIC’s Resources Are Strong and Insured Deposits Are “Absolutely Safe”
- Other topics in the latest FDIC Consumer News include the basics of debit, credit and prepaid cards,
plus what to know about using safe deposit boxes and home safes -
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FDIC Office of Inspector General Reports
The following reports were recently posted to the Federal Deposit Insurance Corporation’s (FDIC) Office of Inspector
General (OIG) Web site: www.fdicig.gov under Publications. In cases where an OIG report includes sensitive or
confidential information, the OIG may redact certain information in the report, and the report will be marked as such.
In some instances because of the highly sensitive nature of the entire report, the OIG may not make the report
publicly available and instead, a brief summary of the report is posted to the Web site. Thank you for your interest
in the work of the FDIC OIG. If you have questions or need additional information, please contact the OIG. The html
version of these reports will be posted as soon as possible.
Material Loss Review of Sherman County Bank, Loup City, Nebraska -
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Material Loss Review of Corn Belt Bank and Trust Company, Pittsfield, Illinois -
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Material Loss Review of FirstBank Financial Services, McDonough, Georgia -
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The nation's bank insurer (FDIC) eased funding requirements for private equity firms. -
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Columbia River Bank (Oregon) gets FDIC order -
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The temporary increase of FDIC insurance coverage to $250,000 for all insurable capacities
has been extended through December 31, 2013. If not further extended, FDIC coverage will revert to $100,000 on
January 1, 2014 for all insurable capacities except IRAs and certain other self-directed retirement accounts and plans.
Unless the increased coverage is extended, deposit insurance coverage for CDs with a maturity date after December 31, 2013 will revert to the prior FDIC coverage on January 1, 2014, regardless of when you purchased the CD. You should not rely on a possible extension of this increased coverage in purchasing CDs. The FDIC considers any other deposits you may have with an issuing bank. CDs you purchase from a particular bank are aggregated with any other deposits you may have with the issuing bank for determining FDIC insurance coverage (e.g., if you already have deposits of $250,000 with a bank, don't purchase CDs from the same bank in the same ownership category). Because the deposit insurance rules are complex, you may want to use FDIC?s online tool, Electronic Deposit Insurance Estimator (EDIE), to estimate your total coverage at any particular bank.
New Deposit Insurance Limits ? Congress has temporarily increased FDIC deposit insurance from $100,000 to $250,000
per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000
per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000
per depositor. For more information on deposit coverage visit: Deposit Insurance Simplification Fact Sheet -
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Celebrate Social Security's 75th Anniversary - For 75 years, Social Security has allowed older Americans to live with pride and independence in their own homes. It's put new clothes on the children of injured factory works, and dinner on the table of families who lost a parent. It's been a sacred promise to millions of Americans.
As we celebrate this important date, it seems like all the talk in Washington is about budget cuts and numbers, not the people who rely on Social Security every day. But we know Social Security is more than a figure on a balance sheet.
That's why today, the 75th anniversary of Social Security, Congress needs to hear from you -
Help protect Social Security for the next generation – click here to send AARP 75th Anniversary eCard to your member of Congress TODAY!
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The Case for Economic Doom and Gloom -
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The 1000-Point Plunge -
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CASCADE BANCORP INVESTOR RELATIONS UPDATES -
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Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing -
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CASCADE BANCORP ANNOUNCES EXTENSION OF SECURITIES PURCHASE AGREEMENTS WITH PRIVATE INVESTORS -
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Cascade Bancorp Tier 1 leverage as of 03/31/10 -
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Cascade Bancorp Snapshot Report as of 03/25/10 -
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Cascade Bancorp MOSS PATRICIA L 10-k Stock Option Derivative Securities Acquired -
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Cascade Bancorp lost $93.1M, plans stock split -
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Cascade Bancorp Announces Bend, Oregon Bank Holding Company given more time -
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Cascade Bancorp Announces Withdrawal of Common Stock Offering and Nasdaq Notice of Minimum Bid Price Non-Compliance -
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Cascade Bancorp (Oregon) Announces Commencement of Common Stock Offering -
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Central Oregon community banks, take steps to reduce losses - Bank of the Cascades (Cascade Bancorp - Oregon); All hands on deck, full steam ahead -
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Bank of the Cascades (Cascade Bancorp - Oregon); CACB Shareholders: For Whom the Bell Tolls -
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Patty Moss is the president and CEO of Bank of the Cascades (Cascade Bancorp - Oregon), and she
makes comments regarding the FDIC's agreement -
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Bank of the Cascades (Cascade Bancorp - Oregon) Enters Into Agreement With FDIC -
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Bank of the Cascades (Cascade Bancorp - Oregon): Where does it stand? -
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Is your bank in trobule? Check out its statistics -
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Obama Attacks Health Insurance Industry -
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Alternative Energy Ethanol -
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Alternative Energy Solar -
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Trade stocks like the legendary trader Jesse Livermore -
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Magnetic Levitation (MagLev) Trains - Global development, trials, production and unfortunate disastrous accidents -
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On May 7, 2007 Jen was diagnosed with APL M3 leukemia - On December 31, 2009 Jen was diagnosed
as CURED!
Please visit her online log [ Read latest 'Jen's Progress' news ]
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