American

Empire

Too Costly to Maintain!

These Countries Are Quickly and Quietly Dumping the Dollar

Over the past few months, there has been a steady uptick in the number of countries dumping significant portions of their dollar holdings. This is causing many people to worry whether or not the US economy is in for a massive shock sooner, later, or somewhere in between. 

Still, although we may not know the specifics, we do have a general idea of what would happen. 

• First, Americans are going to lose the convenience of being able to use their currency just about anywhere in the world, both on a business and individual level. That’s not such a big deal on the individual level though it may cause a few hiccups for mid-sized businesses. 
• Second, interest rates will most assuredly go up. This is going to make it harder for businesses and individuals to pay back any loans they may have received to start or maintain their businesses, buy a home or car, and it will stifle economic growth and it is going to make more people hesitate to request those loans knowing that interest rates will be so high. 

DYI:  Interest rates will go up as more and more countries not only sell off our bonds but more importantly stop purchasing new debt thus ending our easy access to capital.  Our budgets will then be constrained within our ability to pay unless Congress throws caution to the wind continuing their spendthrift ways ginning up the winds of inflation.

However, I’m more positive than the author of the article.  America will remain a strong currency but no longer as a reserve currency and its ability to project power worldwide.  Empire status – and as far as I’m concerned a good thing – will by default move at least internationally back closer to our Constitutional roots.    

• Third, and perhaps the most dangerous, is the potential for widespread inflation and devaluing of the currency. Loss of world reserve status will undoubtedly lower the value of the dollar. The question, however, is whether that devaluation would occur slowly over a period of years or even decades or whether it would take place within months, weeks, or days. Obviously, the former would be preferable if the dollar does have to be unseated because it would at least allow time for Americans to brace themselves and to prepare and innovate for the coming devaluation that would gradually get worse. In some cases, American exports might even be helpful for some American exports (though not helpful in terms of wages – competing via lower living standards is a race to abject poverty). But at least a slow burn would allow for Americans “in the know” to stock up on food, attempt to pay off their debts, arm themselves, and make prudent financial decisions in anticipation.

DYI:  Once again I’m not as negative.  America has many positive traits going for her.  One is access to both the Atlantic and Pacific with a bevy of high quality ports.  Navigable rivers able to move large barge traffic over vast portions of the American landscape at very low cost.  With top quality farmlands located very close too many of our navigable rivers.  Include a built out highway system and rail system that is the envy of the world.  Do we have problems??  You bet and I address many of them on this blog but it is not time yet to count America out unless your livelihood depends on the continuance of the American Empire.

 DYI

Social Security

Pension or Welfare?

Misleading the Public: How the Social Security Trust Fund Really Works

September 2, 2004 

As political leaders debate how best to fix Social Security, many policymakers are focusing on the wrong issue. Their sole concern seems to be the date when the Social Security retirement and survivors trust fund will run out of its paper assets. This mistaken emphasis misses the fundamental point about Social Security's problems: There is no cash in the Social Security trust fund, and there never has been any. 

The Social Security trust fund is merely an accounting device filled with IOUs that future taxpayers must repay. Far too soon, payroll taxes will be insufficient to pay all of the promised benefits. Unless Congress promptly takes action, taxpayers will have to pump hundreds of billions of additional tax dollars into Social Security to pay the promised benefits. 

Any "money" remaining in the trust fund is converted into special-issue Treasury bonds, which are really nothing more than IOUs. In addition, the Treasury pays interest on the trust fund's balance by crediting the trust fund with additional IOUs. These are also strictly accounting entries, and again no money changes hands. 

After crediting the trust fund with the proper amount in IOUs, the government spends the extra Social Security tax collections just like any other tax revenue--to finance anything from aircraft carriers to education research.

DYI:  From day one when President Franklin Roosevelt signed into law Social Security any excess was immediately placed into the general budget then allocated out to all of the different government agencies.  When anyone talks about government trust funds what they are really referring to are IOU’s.  If through taxes when these IOU’s are redeemed and can be paid for then no harm and no foul.  However, if there is a short fall the government will have to issue new debt [borrowed money] to pay off the IOU.

Social Security since inception is an income transfer program taking monies from one generation and giving it to another.  Simply put it is welfare.  From day one it never had any attributes or characteristics of a retirement plan despite the program’s use of pension terminology all to camouflage and confuse as to its true nature.  Social Security over the past 84 years has been a huge slush fund for politicians to spend on all types of programs in the hope of buying votes to secure his or hers reelection.

Social Security’s trust fund [IOU’s] is slated to run out in 2034.  This projection does not provide for the real possibility of recession/depression.  Obviously any thinking individual would have to factor in two possibly three economic downturns thus exhausting the trust fund at a far greater clip.  By current law Social Security is a standalone program – self funding – when those IOU’s run out benefits will have to be dropped by 25% placing the program back into actuarial balance.  Will Congress change the law allowing dipping into general funds to maintain current benefits?  My gut reaction is that they will as they will be not willing to take the heat from current retirees.  I wouldn’t be surprised due to economic downturns the 2034 date arrives somewhere in the mid 2020’s.      

DYI

There were 98,817 public schools during the 2009-2010 school year. A treasure trove of easy money - TAXPAYERS!

American

PROPAGANDA

Unnecessary Security All Based Upon a Lie!

Corporations Get the Thrill of Outlandish Revenues/Profits

Taxpayer’s gets the

BILL  

Mich. schools getting millions

 to beef up security

This year, spending on school security has increased dramatically after state lawmakers gave $25 million to the Michigan State Police for school safety grants in the wake of mass school shootings in Parkland, Florida, and Santa Fe, Texas. 

But the $25 million is about a third of what schools requested. Michigan State Police received a total of 407 applications requesting $69 million for its competitive school safety grant program. The state awarded $25 million in grants to beef up security in and around school buildings and to protect students and staff.

 Miles Mathis

Visit this link to the Detroit News from yesterday, reporting that spending on school security had increased by 12 times in one year, in response to school shootings in Florida, Texas, and other places. In 2017, $2 million in state grants were awarded to area schools for updated security. In 2018, the number increased to $25 million. And that was only 1/3rd of the $75 million requested. You can be sure this is happening all over the country, in school districts coast to coast.   

So someone is making a fortune selling new security to public schools. Who do you think that someone is? 

Could it be the usual suspects? 

Could it be the PNAC, New World Order goons, who started all this with 911—the Cheney/Rumsfeld cabal and all their various cohorts in Halliburton, L3, and a thousand other new security firms? 

You know it. It's a multi-billion-dollar business, one completely unknown before 2001. How much security did your schools have, when you were a kid? None? How much did they need? None? How much do they NEED now? None? But that isn't what the media is telling you, is it?

 DYI

Bubble

Trouble

438 Stocks on the NYSE Have Already Plunged 40%-94% from 52-Week Highs

It’s barely a correction, technically speaking, with the S&P 500 down 9.9% from its all-time closing high, the Dow down 9.2%, the Nasdaq down 14%, and the Russell 2000 small-caps index down 15%. But beneath the surface, there has been some serious bloodletting for many stocks. 

For example, 438 stocks among the 2,051 [21%] or so stocks traded on the New York Stock Exchange (NYSE) have plunged between 40% and 94% from their 52-week highs. 

No one knows what the total leverage in the stock market is. But we know comes in many forms and has surged over the years. The only form of stock market leverage that is reported monthly is the amount individual and institutional investors borrow from their brokers against their portfolios. This “margin debt” is subject to well-rehearsed margin calls. And apparently, they have kicked off.

DYI:  Trouble in paradise on the big board [NYSE]??  Appears so; with 21% of New York Stock Exchange’s stocks off 40% plus from their all time highs.  This is reminiscent of so many other market tops as stocks perceived as back water companies begin dropping in price substantially and yet is shrugged off by investors/speculators as a non event.  Back water companies don’t list on the big board they reside on the NASDAQ or with Over the Counter [pink sheets].  So…This decline, with this many companies share prices dropping far greater than 40% is a big deal.  This very well could be the canary in the coal signaling the long awaited bear market.   

Crash alert: China’s resource crisis could be the trigger

Preface.  Way to go Nafeez Ahmed, your second home run of reality based reporting on the energy crisis this week.  There are countless economists within the mainstream media predicting an economic crisis worse than in 2008, but they totally ignore energy. How refreshing to see an article where energy is front and center in explaining why there may be an economic crash in the future. 

China’s economic slowdown could be a key trigger of the coming global financial crisis, but one of its core drivers — China’s dwindling supplies of cheap domestic energy — is little understood by mainstream economists. 

Since 2007, China’s debts have quadrupled. According to the IMF, its total debt is now about 234 percent of gross GDP, which could rise to 300 percent by 2022. British financial journalist Harvey Jones catalogues a range of observations from several economists essentially warning that official data might not reflect how bad China’s economy is actually decelerating. 

China’s economic slowdown, moreover, coincides with brewing expectations that Wall Street’s longest running stock market bull run could be about to end soon. 

The study applies the measure of Energy Return On Investment (EROI), a simple but powerful ratio to calculate how much energy is being invested to extract a particular quantity of energy. 

Using this approach to EROI, the study finds that over a period of around three decades (between 1987 and 2012), the value of the energy extracted from China’s domestic fossil fuel base declined by more than half from 11:1 to 5:1.

DYI:  When it comes to China I’ve been predicting an economic calamity similar to our 1930’s over the past 5 years.  How long they can continue these enormous imbalances is admittedly beyond my scope of comprehension.  However, when the collapse does occur a world wide recession will occur.

DYI

Book Report

Book

Report

How to See the World with Different Eyes: "Oil, Power and War" by Matthieu Auzanneau

Folks, this book, Oil, Power, and War, is truly unbelievable: Matthieu Auzanneau did an enormous amount of work in digging out and reporting the whole story of the first half of the oil age, from its beginning all the way to the now, when we are reaching the global peak (and the fall may be much faster than the growth as Lucius Annaeus Seneca noted long ago). 

I have to tell you, after having studied oil depletion for some two decades and having written at least three books on it, I thought I knew something about oil. But this book amazed me with the number of things I had missed. 

Just an example: did you know that British planes of the Battle of Britain, during WWII, had a higher octane fuel than the German ones? That was an important advantage for Britain: a few extra octane points obtained by being able to start with a different oil source may have won the war for the allies! 

Reading such a massive book will take you hours, but it is worth the effort. Afterward, you'll see the world with different eyes. Congratulations to Matthieu Auzanneau and also to Chelsea Green for having translated it into English (something very unusual for the American book market).

 DYI 

Oil

&

Empire

The Coming Bankruptcy of the American Empire

The United States’ national debt is approaching $22 trillion with a current federal budget deficit of over $800 billion. As Senator Rand Paul often points out, bankruptcy is the Sword of Damocles hanging perilously close to Uncle Sam’s neck. Outside of a handful of libertarian gadflies in Congress such as Paul, there is no serious political movement to curb the country’s wayward spending. It would take some upset of multiple times greater magnitude than Donald Trump’s 2016 victory to alter this course. 

Is bankruptcy possible? As some Beltway economists remind us, no. Technically the government has the power to artificially create as many dollars as it needs to pay its debts. But this kind of hyper-inflation would deprive the U.S. dollar of any value and tank the global economy that trades with it. Simple failure to pay back our debt might even be a better scenario that such an inflationary hellscape. 

When the world loses confidence in the American government’s ability to pay its debt, or the interest rate on our debt becomes unsustainably high, choices will have to be made. No more kicking the can down the road, no more 10-year projections to balance the budget. Congress, in a state of emergency, will have to take a buzzsaw to appropriations. And the empire will be the first thing to go. 

Just like its warfare state, the government’s welfare state has plenty of internal calamities. 

But while it might be the preference of some megalomaniacal globalists to let the proles starve while preserving overseas holdings, it’s not going to happen. 

What would transpire if Social Security checks stopped showing up in mailboxes and Medicare benefits got cut off? 

When presented with that choice, will the average American choose his social safety net or continued funding for far-flung bases in Stuttgart, Okinawa, and Djibouti? 

Even the most militaristic congressperson will know which way to vote, lest they find a mob waiting outside their D.C. castles.

 DYI:  The days of the American Empire are waning however make no mistake significant more international mischief will continue to be sought over the years until the last gasp of world domination expires.  As our federal debt [along with many of our States] continues its upward trajectory into oblivion the choice will be either guns or butter doing both will no longer be an option.  What level of debt to GDP when the choice between Social Security, Medicare, Medicaid, versus the deep state military industrial complex is unattainable for both?  Obviously that is a question economist’s have been postulating since the turn of the new century.  Will it be 125%, 150%, over 200% debt to GDP? Tough to say where world empire begins its collapse.  Of course the military industrial complex will fight this to the bitter end as their budgets stall and then shrink depriving them of years gone past of easy increasing revenues and profits.  What can be said America’s global domination’s has peaked and entered the beginning of its decline.

Bolton to meet with Brazil’s far-right elected leader next week. Mission? To confront Cuba

WASHINGTON President Donald Trump’s National Security Adviser John Bolton will meet next week with Brazil’s President-elect Jair Bolsonaro to discuss a regional strategy in confronting Cuba and Venezuela.

 DYI:  Cuba??  Let’s get serious and use some common sense when it comes to Cuba.  Who run’s Cuba – for better or worse – the answer is and has been for decades the United States.  That’s right folk’s the good old U S of A.  The Castro boys were in the hip pocket of the CIA from day one doing the bidding of our economic elites.    

The Caribbean has been under America’s control over a hundred years.  Of course the first thing that comes to mind is the Cuban missile crises a staged hoaxed event benefiting the armaments manufacturers of Russia and the United States/U.K. bringing to boil the Cold War.

Confronting Venezuela is simply a ruse as Maduro is also in the hip pocket of the U.S.  It’s all about oil.  Below is what Rice Farmer a news search service had to say:

The intent is not so much "freedom and prosperity" as it is to achieve US hegemony over Cuba and Venezuela, and their economies and resources. In particular, the US — which has exhausted most of its conventional oil resources and has been reduced to drilling for junk oil — is salivating over Venezuela's plentiful oil reserves.

This connects with the decline of the American Empire this act of desperation to lock up cheap – and close proximity – oil reserves.

 DYI

American

Empire in Decline?

How the US Creates ‘Sh*thole’ Countries

A new collection of essays, edited by former Congresswoman Cynthia McKinney, clearly shows that it is the U.S. that is largely responsible for the poverty and suffering in these very nations, says Robert Fantina. 

In two years, the world has become accustomed to being shocked by the words and actions of United States President Donald Trump. In January of this year, he again showed his lack of diplomacy, tack and common decency, when he referred to many poorer countries as “sh*ithole countries”, asking, “Why do we want all these people from sh*thole countries coming here?” Former member of the House of Representatives Cynthia McKinney, in the new book she has edited,  

How the US Creates ‘Sh*thole’ Countries, (Clarity Press) has gathered a collection of essays, including one of her own, that clearly shows that it is the U.S. that is largely responsible for the poverty and suffering in these very nations.  

 Major un/declared wars:

 
War in Which American Colonists or United States Citizens Officially Participated:

Major Combatants:

1675 – 1676 

King Philip's War…

New England Colonies vs. 

Wampanoag, Narragansett, and Nipmuck Indians

1689–1697  

King William's War…

English Colonies vs. France

1702–1713  

Queen Anne's War (War of Spanish Succession): 

English Colonies vs. France

1744–1748  

King George's War (War of Austrian Succession): 

French Colonies vs. Great Britain

1756–1763  

French and Indian War (Seven Years War):

French Colonies vs. Great Britain

1759–1761  

Cherokee War English:

Colonists vs. Cherokee Indians

1775–1783  

American Revolution:

English Colonists vs. Great Britain

1798–1800  

Franco-American Naval War:

United States vs. France

1801–1805; 1815  

Barbary Wars:

United States vs. Morocco, Algiers, Tunis, and Tripoli

1812–1815     

War of 1812:

United States vs. Great Britain

1813–1814     

Creek War:

United States vs. Creek Indians

1836       

War of Texas Independence:

Texas vs. Mexico

1846–1848     

Mexican-American War:

United States vs. Mexico

1861–1865     

U.S. Civil War:

Union vs. Confederacy

1898       

Spanish-American War:

United States vs. Spain

1914–1918     World War I    

Alliance: Germany, Italy, Ottoman Empire and Austria-Hungary vs. Triple Entente: Britain, France, and Russia. The United States joined on the side of the Triple Entente in 1917.

1939-1945      World War II

Axis Powers: Germany, Italy, Japan vs. Major Allied Powers: United States, Great Britain, France, and Russia

1950–1953     Korean War

United States (as part of the United Nations) and South Korea vs. North Korea and Communist China

1960–1975     

Vietnam War        

United States and South Vietnam vs. North Vietnam

1961       

Bay of Pigs Invasion…United States vs. Cuba

1983       

Grenada…United States Intervention

1989       

US Invasion of Panama…United States vs. Panama

1990–1991     

Persian Gulf War…United States and Coalition Forces vs. Iraq

1995–1996     Intervention in Bosnia and Herzegovina:

United States as part of NATO acted peacekeepers in former Yugoslavia

2001–present Invasion of Afghanistan:

United States and Coalition Forces vs. the Taliban regime in Afghanistan to fight terrorism

2003–2011     

Invasion of Iraq:    

United States and Coalition Forces vs. Iraq

2004–present 

War in Northwest Pakistan:

United States vs. Pakstan, mainly drone attacks

2007–present 

Somalia and Northeastern Kenya:

United States and Coalition forces vs. al-Shabaab militants

2009–2016     

Operation Ocean Shield (Indian Ocean):

NATO allies vs. Somali pirates

2011       

Intervention in Libya:

US and NATO allies vs. Libya

2011–2017     

Lord's Resistance Army:

US and allies against the Lord's Resistance Army in Uganda

2014–2017     

US-led Intervention in Iraq:

US and coalition forces against the Islamic State of Iraq and Syria

2014–present 

US-led intervention in Syria:

The third section of this informative book describes the United States’ mostly-successful efforts to camouflage its vile intentions and international crimes. Christopher Black, in his essay Western Imperialism and the Use of Propaganda”, clearly articulates how this is done: 

“The primary concern they [U.S. government officials] have, in order to preserve their control, is for the preservation of the new feudal mythology that they have created: that the world is a dangerous place, that they are the protectors, that the danger is omnipresent, eternal, and omnidirectional, comes from without, and comes from within. 

The mythology is constructed and presented through all media; journals, films, television, radio, music, advertising, books, the internet in all its variety. 

All available information systems are used to create and maintain scenarios and dramas to convince the people that they, the protectors, are the good and all others are the bad.  

We are bombarded with this message incessantly.” 

DYI:  Americans today are now bombarded with nonstop propaganda from every media outlet conceivable.  Only a tiny peep hole within the internet has allowed some level of truth to slip out exposing America’s empire and massive corruption.  If it isn’t one staged faked mass shooting then its missing 21 trillion dollars over the past 20 years from DOD and HUD.  Always the good guys – so the PROPAGANDA tells – for justification of one more war, in a list of one more wars, all for the benefit of the military industrial complex elites.  

Our memories are short, indeed, if we have forgotten both President George W. Bush and his Secretary of State, Colin Powell, telling the world from the United Nations the blatant lie that Iraq had weapons of mass destruction, threatening civilization. We are not paying attention if we are unaware of the many innuendos given of the ‘dangers’ of all Muslims. Yes, the government fosters fear, proclaiming subtly and not so subtly that there is danger everywhere, and it is the role of the mighty United States to protect the world, whether or not such protection is wanted or needed.

DYI:  Let’s not forget 9-11.  Today almost no one believes the official report.  Those who do believe the official report simply don’t care enough to do research at an elementary level or are the dumbest of the dumb.  Clearly an inside job put together by elements within the U.S. government and Israel for justification to ransack all over the Middle East. 

 The final essay is the Report of the Special Rapporteur on Extreme Poverty and Human Rights on his Mission to the United States of America, authored by Philip Alston. While Trump decries “sh*thole” countries, the conditions that the U.S. put those countries in are not unknown in the U.S. A few facts from Alston’s report will suffice:

• The U.S.’s “…immense wealth and expertise stand in shocking contrast with the conditions in which vast numbers of its citizens live. About 40 million live in poverty, 18.5 million in extreme poverty, and 5.3 million live in Third World conditions of absolute poverty. It has the highest youth poverty rate in the Organization for Economic Cooperation and Development (OECD), and the highest infant mortality rates among comparable OECD States. Its citizens live shorter and sicker lives compared to those living in all other rich democracies, eradicable tropical diseases are increasingly prevalent, and it has the world’s highest incarceration rate, one of the lowest levels of voter registrations in among OECD countries and the highest obesity levels in the developed world.”

• “The United States has the highest rate of income inequality among Western countries. The $1.5 trillion in tax cuts in December 2017 overwhelmingly benefited the wealthy and worsened inequality.”

• “For almost five decades the overall policy response has been neglectful at best, but the policies pursued over the past year seem deliberately designed to remove basic protections from the poorest, punish those who are not in employment and make even basic health care into a privilege to be earned rather than a right of citizenship.”

 DYI

Disclaimer

Oil

Bust?

How US Oil Booms & Busts Hit Industrial Production

by 

Wolf Richter

The oil and gas boom is economically important not only in the oil patch but in the broader US economy, with high-paying jobs in the oil field, transportation, manufacturing, specialized services, and high-tech. An oil boom requires equipment of all kinds; it fires up manufacturing; pipelines have to be built; all this equipment has to be transported, triggering a transportation boom, and the like. It usually leads to a construction boom as well, with all the secondary effects. 

The US has been the largest natural gas producer in the world for several years. 

In August 2018, at least for that month, the US became the largest crude oil producer in the world. 

For better or worse, this sector has become a powerful player in the US economy. It’s fueled by cheap money and by hopes of high oil prices. 

Alas, the cheap money is evaporating, and hopes of high oil prices have taken a serious beating in November. 

Boom and bust, always. Hence the old rule in the business: Never drill with your own money.

DYI:  A victim of their own success?  The U.S. and now the world using advance technology such as horizontal drilling and of course the controversial fracking has produced a gusher of oil and gas.  Hence prices have fallen.  However this recent drop due to technological advancements or is it possible the world economy is slowing down reducing demand?  I see this as a combination.  As the world economy slows oil/gas producers drop prices in order to induce sales and increase production and – flooding the world market – to make up for the short fall.  Oil/gas producers it is a vicious circle but for the end users it is virtuous circle.  Obviously no one wins economically if we go into a world wide recession or God forbid a flat out depression along with high unemployment.

For investors out of chaos or uncertainty bargains will appear.  Generalized stock investors lower oil/gas prices may put a bit more zip to the upside for stock prices.  Please note stocks are currently massively overvalued and if this decline in oil/gas prices is predominantly due to a world wide recession then stocks will take a nose dive.  If not, unless valuations creates a ceiling, then stocks will power higher in price.

Word of Caution

DYI’s Oil Indicator always needs to be put into context of current stock valuations.  As stated before, stocks are flying high with the Shiller PE at a nose bleed level of 30.72. 

Shiller PE is 30.72

[as of 11/19/18]

Oil prices are down 34% from five years ago.  Energy makes the world economy go round.  High prices can and has in the past created recessions along with tumbling stock and junk bond prices.  A lower or outright low oil/gas price provides the seeds for economic growth.  Oil/gas prices act like a tax.  A higher price equals a higher tax upon the economy.  Drop in prices and if it is significant will result in a tax cut like effect with an increase in savings and consumer spending thus off to the races for the generalized [ex oil/gas industry] economy.

11/19/18
Updated Monthly

Oil Prices: 
11/18/13....$101.22

11/15/18......$66.83   

Down 34%(rounded)
(oil prices approximately five years earlier due to weekends & holidays)
ANS West Coast prices   

 OIL INDICATOR:  Positive  Oil indicator will remain positive until it's rise is greater than 75% from five years earlier.

Oil prices are well known for their volatility in the short term, longer term due to dwindling reserves energy prices are in a secular bull market.  Technologies such as fracking will extend the life of oil fields but major new discoveries arrive at a snails pace far slower than the world's growth.  

As long as prices rise in a slow and orderly pace our economy can adjust to those changes, however if prices spike (international tensions, war etc.) high energy costs behave as a massive deflationary tax. This will send our economy tumbling down and very possibly the U.S. stock market.

If oil prices rise greater than 75% from five years earlier, investors at that time should shift their portfolio geared towards deflationary times.  This would be an oil indicator as negative.

If oil prices rise from five years earlier less than 10% or drop then the inflationary play is in effect; a positive for economic growth along with possible higher stock prices.

Where to find five year earlier oil prices?  Alaska Department of Revenue    

Oil indicator positive                

  5%  High-Yield Corporate Bonds

10%  REIT's

10%  Energy

10%  P.M.'s

65%  Small Caps

  0%  Lt. Gov't Bonds

Oil indicator negative

  5%  REIT's

10%  Energy

10%  P.M's

10%  Small Caps

65%  Lt. Gov't Bonds

Vanguard Funds

REIT's

REIT Index Admiral  VGSLX

Energy

Energy Fund  VGENX

Precious Metals (P.M.'s)

Global Capital Cycles Fund VGPMX

Small Caps

Small Cap Value Index Admiral  VSIAX

High-Yield Corporate Bonds

High-Yield Corporate Bond Fund VWEHX

Long Term Government Bonds

Long-Term Government Bond Index Admiral  VLGSX

Disclaimer

This blog site is not a registered financial advisor, broker or securities dealer and The Dividend Yield Investor is not responsible for what you do with your money.

This site strives for the highest standards of accuracy; however ERRORS AND OMISSIONS ARE ACCEPTED!

The Dividend Yield Investor is a blog site for entertainment and educational purposes ONLY.

The Dividend Yield Investor shall not be held liable for any loss and/or damages from the information herein.

Use this site at your own risk.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS.

DYI