Results 31 to 60 of 74
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05-04-2016
what do you think will happen when 50 million people in the northeast no longer have the ability to feed themselves?
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05-04-2016
this already happened - in 2007. marks lost his job and he bounced back and got an even better job. then he quit that job because his boss was an unreasonable drug addict and now he has an even better job. it's called marketable skills and those will keep you alive when times are lean.
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05-04-2016
I'm ready.. are you?
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05-04-2016
if that's what you think he does, then you don't know much about being a system admin. but whatever you think he does, it got him progressively more well paying jobs. and what's hilarious and ironic is that he's self taught. isn't that what you hold in highest esteem? why not do what he did and learn something applicable to the job market? perhaps you can turn your love of math and physics into something useful.
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05-04-2016
marks was supposed to be the frontline defense against this sort of thing, he took a hippocratic oath, but when you wave that big new paycheck in front of someone, few can resist
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05-04-2016
none of us are here to save you. sorry.
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05-04-2016
he had midlife crisis =(
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05-04-2016
HYPERNATIONALIST SOCIALISM COMING TO YOUR NEIGHBORHOOD
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05-04-2016
it's what you wished for..
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05-04-2016
since you've bragged about teaching yourself calculus (among other things you believe you undersstand), i thought you valued being an autodidact. why did you go off on a tangent and suddenly bring up something completely unrelated? what does a letter written by karl marx have to do with this? maybe you missed my point, my fault.
Last edited by m0nde; 05-04-2016 at 06:34 PM.
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05-04-2016
a heroin addict can consume 150k worth of dope a year; are you prepared for a nation full of dope addicts?
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05-04-2016
100 Years of Treasury Bond Interest Rate History
Investors expecting bond funds to perform as well in the next 10 years as they have in the last 10 will be disappointed. Bonds can play an important role in investor portfolios, reducing volatility and increasing the predictability of returns. However, the stellar performance of bond funds -- especially longer-term funds -- as yields have declined over the last 30 years will not be repeated anytime soon. Not only that, there is even the risk of negative returns.
U.S Treasury Bond Interest Rate History Since 1900
The graph above (click on image to expand) shows U.S. interest rates beginning in 1900. From 1953 onward, the rates are
10-year U.S. Treasury Note rates, plotted monthly; prior to 1953, they're the less granular.
Note: The graph has been updated through 2012. While the statistics below do not fully reflect market performance since the original publication date. I think the main points in the original analysis are still relevant. For the most recent 10-year rates, see the March, 2013 Market Update.
Highest, Lowest and Average Interest Rates Since 1900
Since 1900 yields have ranged from a little less than 2%, to 15.3%; the average rate was 4.9%. However, the left hand side of this graph clearly represents a different world from the right hand side. Somewhere between the mid-50's and the mid-70's, rates became much more volatile.
From 1900 through 1959, interest rates ranged from the all-time low of a little less than 2.0% in 1941 to a high of 5.1% in 1921 -- a range from low to high of only 3.1%; the average rate was 3.3%. Since then, the range has been from the December 2008 financial panic low of 2.4% to the September 1981 "all-time" high of 15.3% -- a range of almost 13%; the average rate during that period was 6.7%.
The outstanding feature of this graph is clearly the 50 years beginning around 1960. During this period, we have seen yields go from less than 4% to more than 15%, and back again. The average rate has doubled, from 3.3% to 6.7%, and the range of rates has quadrupled! Are interest rates normally as consistent as they were from 1900 to 1960? Or, is the boom-bust cycle afterwards more typical? It's difficult to tell from this graph.
The Impact of Falling Interest Rates/Yields
What is clear is that "recent" history could seriously mislead investors who evaluate investment prospects by looking at the last 3, 5, 10, or even 25 years. Interest rates have declined more or less steadily for the last 30 years, from more than 15% to less than 3%. Falling yields are great for bond investors -- especially those buying intermediate or long-term bonds. These buyers receive higher than prevailing rates, and/or they benefit from appreciation in the price of their bonds caused by the falling rates (see Yield to Maturity & Interest Rate Risk).
Unfortunately, the returns that bond funds provide when rates are falling from 15% to 3% cannot be repeated if interest rates are already at 3%!
Is There a Bond Bubble? The Hidden Risk in Bond Funds
In October 2010, the yield on 10-year Treasury Notes was 2.54%, not far off the 2.4% low set during the financial panic near the end of 2008. These are historically low rates. To find comparable rates, you have to go back more than 50 years, to 1954. Even in the pre-1960 world, these would be below average interest rates.
Because of the relationship between yield and bond price, near all-time low interest rates mean near all-time high bond prices. It's a near certainty that bond prices can only go down from here -- though it won't necessarily happen immediately. As a result, not only are investors in intermediate and long-term treasury bond funds less likely to continue to benefit from falling rates, they are likely to see price decreases when rates increase.
How much impact could that have? Just to make the point (i.e., this is a completely hypothetical example), consider if 10-year interest rates were to immediately increase from 2.5% to the "100-year" average rate of 4.9%; holders of new bonds would see a price decrease of almost 20%. An increase to the more recent average of 6.7% would translate into a price decrease of closer to 30%.
Past Performance is not a Guarantee of Future Returns
Fund flows into bond funds have increased dramatically over the last two years. Investors in intermediate and long-term funds expecting a repeat of "recent" performance will be disappointed. Those seeking "safety" -- to avoid risk -- may well be equally disappointed. The out-performance of bonds over the last 10 (or 30, or ...) years does not mean that bonds are a better investment than the alternatives that they out-performed, only that bonds at the right price are.
Value matters.
How often have rates been below, say, 3%? See Analysis of 10-year Treasury Note Interest Rate History. It presents interest rate history as a histogram (frequency chart), and considers the potential impact of interest rates on the stock market and real estate.
July 25, 2012 Update: Treasury Interest Rates at All-Time Record Lows
We are experiencing the lowest interest rates in U. S. history -- even lower than they were during the Great Depression. On July 25, the U.S. Department of the Treasury 10-year constant maturity series closed at a new all-time low yield of 1.43%.
Why Did My Bond Fund Lag When Treasuries Rallied? discusses the difference in the impact of the falling rates on treasury returns vs. intermediate bond fund returns. For an additional discussion of "duration," see related materials below.
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05-04-2016
your generation is the biggest whiney bunch of shitty brats, and youre expecting us to take care of you
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05-04-2016
I have lots of money please take care of me using the nothing that you have
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05-04-2016
Plug drugs, can you stop complaining and get a job?
If it doesnt work, you have to kill yourself, thats only choice
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- Join Date
- Apr 2016
- Posts
- 175
05-05-2016you know what's funny is bethseda made a new engine I think starting with fallout 3 yet it has the same gameplay and graphics as whatever they used before there's literally no difference and they haven't changed this engine even all theway up to fallout 4, literally every single bethseda game fucking sucks and has the worst fucking engine first they found the worst then they made its literal doppelganger
anyway I'm waiting for a combat game with BeamNG.Drive's softbody physics so when weapons hit armor it realisticaly dents or penetrates and then the same for human skin/bone/etc I can't fuckign deal with anything else just like beamng is the only vehicle game I can play now however I will gladly play fallout 4 and skyrim once they've each finally got a single mod that combines all the mods of bestaility, loli, yadda yadda, rape, ya know all that shit but ALSO improved combat and textures and graphics, it's too much shit to do separately cause I don't have autism and am not gonna manually go through teh shit causeunlike you folks I like going outside irl so for now I"m just gonna play killing floor 2
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