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Investment advise

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Parker
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Post by oncesubtle Tue Aug 23, 2011 9:16 am

Looks like we're going to make a few shekels on a property sale and seeking advise on investing. I would like something here in Mexico that is fairly liquid. Your thoughts? Thanks.
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Post by Intercasa Tue Aug 23, 2011 9:21 am

If you'll be receiving pesos then CETES, while paying low (+/- 4%) are relatively liquid, i.e. are like 28 day term CDs.
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Post by raqueteer Tue Aug 23, 2011 9:24 am

I second Spencers comment and would add silver or gold, or both. Physical only, the ETF's don't hold the commodity.

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Post by David Tue Aug 23, 2011 12:29 pm

I agree that CETES are a good investment. I wouldn't touch precious metals.
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Post by hockables Tue Aug 23, 2011 2:24 pm

Invest heavily in Dos XX.... that way you'll always have Botella Deposito to fall back on...

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Post by gringal Tue Aug 23, 2011 2:32 pm

hockables wrote:Invest heavily in Dos XX.... that way you'll always have Botella Deposito to fall back on...

Beer

And great liquidity, for sure. Beer

The people who make a grandiose living in the financial markets are scared spitless right now while putting up a brave front. What else can they do? Predictions are all over the block, as well as advice on how to save your assets. If anyone out there has a crystal ball, would you rent it to me for a couple days? Mine's very cloudy.
Some of these wise guys have to be fullavit. But which?


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Post by David Tue Aug 23, 2011 2:50 pm

Predictions are difficult, especially when they involved the future.
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Post by espĂ­ritu del lago Tue Aug 23, 2011 3:31 pm

http://web.ics.purdue.edu/~ssanty/cgi-bin/eightball.cgi

Here ya go....:)
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Post by raqueteer Tue Aug 23, 2011 3:46 pm

oncesubtle wrote:Looks like we're going to make a few shekels on a property sale and seeking advise on investing. I would like something here in Mexico that is fairly liquid. Your thoughts? Thanks.


Couldn't resist.

From another forum.

Look out for number 1 but don't step in number 2.

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Post by Parker Tue Aug 23, 2011 3:58 pm

From another forum, not TOB, right? Very Happy

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Post by raqueteer Tue Aug 23, 2011 4:59 pm

Parker wrote:From another forum, not TOB, right? Very Happy


That is correct Parker. It was from a prolific poster on a forum which discusses financial matters. I stole it since it wasn't copyrighted.
Beer

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Post by oncesubtle Wed Aug 24, 2011 8:56 am

Thanks for the advise amigos, it's appreciated. Lots of good ideas so we're going diversify with cetes, Dos XXs and gold dental crowns, the best of all worlds. cheers
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Post by CanuckBob Wed Aug 24, 2011 4:11 pm

Have some bonds for when the markets are down, some equities for when they are up and some gold for the uncertainty...........the tricky part is the percentage of each.
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https://casadecomo.mx

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Post by Intercasa Wed Aug 24, 2011 4:19 pm

The only bad thing about bonds is the fluctuating price, you could actually lose money selling them with a fluctuating interest rate market.
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Post by raqueteer Wed Aug 24, 2011 4:28 pm

Bob, frankly I'd avoid the equities portion of the equation. The equities markets are worse than the tables at lost wages. A lot worse.

Gold and silver are hedges against currency devaluation, and not exactly investments. They are however IMO an essential portion of any portfolio. Consider them as an insurance policy.

While posting this, I noticed that Spencer has added a few words. I agree with his comments, therefore suggest laddering your bonds. Mainly it's a bet on whether the bond rates will go up or down. If the rates go up, and you're holding long term paper and need to sell it, you're toast.

You could then hold some short term paper, in case you need to sell in a hurry. Some medium term bonds and some longer term bonds.

On the other hand, if rates go down and you are holding medium to longer term paper, you make a profit.

Good luck


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Post by raqueteer Wed Aug 24, 2011 4:29 pm

Intercasa wrote:The only bad thing about bonds is the fluctuating price, you could actually lose money selling them with a fluctuating interest rate market.

Yes indeedly you could get fluct.

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Post by David Wed Aug 24, 2011 4:42 pm

Rates aren't going down, they'll go up at some point. For the OPs question, CETES are the way to go.
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Post by Parker Wed Aug 24, 2011 5:26 pm

raqueteer wrote:
Intercasa wrote:The only bad thing about bonds is the fluctuating price, you could actually lose money selling them with a fluctuating interest rate market.

Yes indeedly you could get fluct.

It looks like the computer is generating a new language for being “screwed”. HaHaHa!!! Very Happy My only advice is never invest, more than you can afford to lose. Otherwise have fun.

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Post by raqueteer Wed Aug 24, 2011 8:34 pm

David wrote:Rates aren't going down, they'll go up at some point. For the OPs question, CETES are the way to go.

David, would you care to explain for the people how it is possible that for the last umpteem years, rates have done nothing but go down.

U.S. T-Bills are currently in virtually negative territory.

Go ahead, we're listening.

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Post by David Wed Aug 24, 2011 9:01 pm

Maybe "umpteen" but I remember the 80s, maybe you don't. Most importantly, nothing goes in one direction forever. Or you could look here:
http://people.stern.nyu.edu/adamodar/New_Home_Page/datafile/histret.html

Now, talk to me again about all they do is go down.
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Post by hockables Wed Aug 24, 2011 9:06 pm

well they can't get much lower...

i just thought of something... if the rates fell a further 3%... into negative territory... now you withdraw your investment...

this in effect would be a double negative.... would that be a positive in the investment portfolio?
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Post by ferret Wed Aug 24, 2011 9:45 pm

Hockables, you're starting to sound like a U.S. politician explaining the deficit.
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Post by borderreiver Thu Aug 25, 2011 3:34 am

Please pardon my ignorance. What are CETES?
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Post by David Thu Aug 25, 2011 7:57 am

Similar to a CD but issed by the Mexican Gov't. Guaranteed pricipal and interest, $500,000 pesos minimum.
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Post by raqueteer Thu Aug 25, 2011 9:55 am

David wrote:Maybe "umpteen" but I remember the 80s, maybe you don't. Most importantly, nothing goes in one direction forever. Or you could look here:
http://people.stern.nyu.edu/adamodar/New_Home_Page/datafile/histret.html

Now, talk to me again about all they do is go down.


Well sure, I remember having my first mortgage at 9%, then they went up to over 18%. However, this time if they put the rates up too fast the whole house of cards would collapse. Furthermore a 30 year fixed rate mortgage is now at slightly over 4%. So, they could stay down a very long time. Just saying.
Low rates seem to be the current plan.

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