Beyond Buy-and-Hold #76
By Rob Bennett
Buy-and-Hold doesn’t work. Look around. it’s obvious.
But wait! The Buy-and-Holders have an explanation.
It’s the Economy! Buy-and-Hold is aces. It’s that darnned economy that is messing everything up. Buy-and-Hold cannot be expected to produce good results in the face of such a bad economy.
Trying to have it both ways
Please think over what is being said here. When Buy-and-Hold produces good results, we credit the investing strategy. When the results are poor, we place the blame elsewhere. As Church Lady might observe, “How convenient for the advocates of Buy-and-Hold!” It’s a “heads I win, tails you lose” approach to investing analysis.
And you know what? This isn’t the first time the Buy-and-Hold advocates have played this little trick on us.
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Maybe I’m painting with a very broad brush here, but I think most people would like to be self-employed—if not now then “later”. At a minimum it’s a dream, even if it’s not being actively cultivated. What keeps that pursuit from coming into being varies by person, but I’m sure that fear of the unknown ranks real high on the list. 
Having a low credit score can be a big problem. Not only will you be restricted to bad credit loans, if you are able to get loans at all, but you will also pay higher interest rates any time you borrow. A bad credit score can necessitate that you put down a larger down payment for utilities and a cell-phone service. It can make your insurance rates go higher and disqualify you from certain jobs or make it harder to get a job when your employer runs your credit.
Income Security VS Job Security – Does it Matter?
By Kevin M
Back then it seemed that all of humanity would eventually be going to space—to find resources, to conquer new worlds or at least to alleviate overpopulation here on earth—and astronauts would lead us there. High minded and exciting, yes, except that it never happened!
If a career as cutting edge as astronauts is no longer secure, what can we say about the far more ordinary fields most of us regular folks work in?
You’ve heard it and read it before, and perhaps you’ve even been a casualty of one of the biggest phenomena of our time–the end of job security.
We have to do something about that, but what? Individually, there’s little any of us can do to create job security, but we can gravitate toward it’s close cousin, income security. If we have income security we might not even notice or care that we no longer have job security.
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