Your Survival Guy gets a lot of emails from vendors looking for my business. Take Vanguard, for example. I received an email yesterday offering all types of “strategies” that they offer, ranging from direct indexing, ESG, and factor investing just to name a few. Direct indexing is basically buying individual stocks in amounts that mirror […]
Investing
Often Wrong, Never in Doubt with Your Money
Wow, were they wrong. All those big-shot mutual fund companies and money managers talking about the virtues of ESG and DEI. Their home pages were loaded with how this was the future. Of course, it was not the future but just another way to charge customers a higher fee. What amazes me now is that […]
Are Your IRAs Compliant with the IRS RMD?
Are you compliant with your required minimum distribution? If you turn 73 or are older, you need to take an RMD from your IRA by the end of this year. It’s calculated based on an IRS table (see Fidelity’s below)—a divisor, divided into last year’s yearend balance. That’s a lot of acronyms. Is it any […]
Freezing Cold Temps: Emergency Prep Too Late?
When it’s freezing outside, and the temperature doesn’t match your clothes, it’s time to think about preparing for the next freeze-up. In times like these, we realize how important food, water, and shelter are and how quickly things can change. And don’t get me started on the human factor. There are those looking to do […]
Over Three Decades of Consistency
Riding the yield curve and compounding decades of dividends. Practicing the faith of Ben Graham’s margin of safety, and honoring the Prudent Man Rule. I still write daily. You’ll find me on our family websites, so don’t miss out. www.youngsworldmoneyforecast.com www.youngresearch.com www.richardcyoung.com www.yoursurvivalguy.com
Your Survival Guy’s Predictions for 2025
You know Your Survival Guy isn’t big into making predictions. Everyone’s got them, and when it comes to money, no one remembers you when you’re right, and they never forget when you’re wrong. Not my cup of tea. Which is why I predict this year will be a good year to get your fixed income […]
Survive and Thrive December 2024: Boom or Bust: “What Do You Think of Bitcoin?
Dear Survivor, If you’ve been breathing, then you’ve heard about bitcoin. Your Survival Guy is asked all the time, “What do you think of bitcoin?” Years ago, I was getting my hair cut and was asked about it. I said, “I don’t like it. I don’t see the value. I like the distributed ledger or […]
A Survival Guy Mix of Stocks for You
Originally posted on August 9, 2024. A few years ago, at a Cato event, Your Survival Guy and Gal had the great pleasure of sharing a table with billionaire investor Jeff Yass, among others. All was going swimmingly until the keynote speaker, investor Ken Fisher, took to the podium and told the room his net […]
Richard C. Young’s Intelligence Report and Your Margin of Safety
Merry post-Christmas. I hope you enjoyed a relaxing couple of days with your loved ones. If we have one “economic” takeaway from this holiday season, it’s that they’re not giving away food, energy, vitamins, toys, you name it. Stuff isn’t cheap. Which has me thinking about all those investors who invested like someone they used […]
“65 May Be the New 55, But It’s Not 25”
Your Survival Guy wants you to think about your retirement life. Recently, in a conversation with a client, he told me his older brother, who’s 65 years old, is invested like a 25-year-old. “65 may be the new 55,” I said, “But it’s not 25.” This, I’m afraid, is the new normal. Investors are not […]
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