THE V-8*

CLICK for V8 primer

1) US STOCKS [IWV, VTI, SPY]

2) FOREIGN STOCKS [VEU, EFA, CWI]

3) US BONDS [AGG, BIV, TIP]

4) FOREIGN BONDS [IGOV, WIP, PCY]

5) REAL ESTATE [IYR, ICF, RWX]

6) COMMODITIES [GSP, DBC, DJP]

7) FOREIGN CURRENCY [UDN, UUP, ICI]

8) OTHER (Small Business, Private Equity/Debt, Collectibles, Derivatives, Natural Resources, or a narrow subset of any of the other seven asset classes.)

 

 

* The V-8 is an eight-asset-class approach to investing.  Above are seven important areas for all investors to invest in.  The eighth spot can be anything that doesn't perform identically to the other seven.  For each area, three exchange traded funds (ETF) are suggested as possible broad representatives of the class (by ticker symbol).   Any one ETF will cover the asset, but they may be uses with others. This is not to be construed as investment advice.  Please read the rest of this site's DISCLAIMERS.

 

 

 

_____________________

What people are saying about "The Rich Life"...

 

"I used to listen to your show 'religiously' every Sat when I lived in Bend...I agreed with you on housing and sold my house in Bend in October 2006, sold in 2 days, and I turned the profits into a 53 ac farm out here in Eastern Oregon. Keep up the great work!"

 

- Tony K.

 

 

"Mr. Valentine, you forecasted a strong end of year rally, and over-weight in technology on your mid-October radio show. On October 18th I placed 25% in IYW (now up 8.22%) and 75% weight in VTI (now up 5.69%) Great results for 30 days! You DO make a difference for those of us that listen to your show. Thanks for your VALUABLE info!."     

 

- Tom M.

 

 

"I have been listening to you since you came on KBND this past year, and think your show is great!  In fact, it's the best and most useful money program I have ever heard, anywhere, anytime."     

 

- Randy P.

 

 

"Just wanted to drop a quick note that I agree completely with your views of obtaining a rich life..."     

 

- Mark O.

 

 

"Thank you for being more helpful than my broker.  I look forward to my Saturday mornings with you."     

 

- Lois W.

 

 

"I appreciate the philosophical overtones to your financial advice and attention to those things which make one's life rich beyond financial independence.

 

- Peter P.

 

 

"I've been listening to you on Saturday mornings for a while and really enjoy your program--a most refreshing and educational outlook on investing."

 

- Mary Ann S.

 

 

"I arrived in Bend in '87, a KGO radio listener.  KBND has come a long way to becoming my radio station.  Thank you for your contribution."

 

- Bob G.

 

 

"Thank you for all the kind feedback!"        - BV

 

 

"The Rich Life with Bill Valentine"

 

~  A syndicated, Money Talk radio show broadcast live every Sunday 11am - 1pm (Pacific Time) ~

 

           

        

 

            

KBND - Bend, OR | KCMX - Medford, OR | KXL - Portland, OR

KACI - The Dalles, OR  | KIHR - Hood River, OR | KAST - Astoria, OR* | KQEN - Roseburg, OR

KUMA - Pendleton, OR* | KMBD - Tillamook, OR | KNPT - Newport, OR

 

*Show heard from 4 - 6 pm Sunday

 _____________________________

 

MOST RECENT SOUND FILES/PODCAST:

 

4/4/10 Hour 1    4/4/10 Hour 2

 

[BECOME A FAN OF "THE RICH LIFE WITH BILL VALENTINE" ON FACEBOOK AND YOU'LL RECEIVE A NOTICE WHEN THE NEW SOUND FILES ARE READY AND WHAT THE TOPICS ARE]

 

SOUND FILE INSTRUCTIONS: Click on the buttons above and an .MP3 file will begin playing on your computer's media player.  Give it a minute or so to start...they're large files.  If you want to save the clip to your hard drive (in order to burn to a CD or load onto an iPod), right-click the buttons and then select "Save Target As" and save it to your hard drive (probably the "My Music" folder).  From there, it can be burned to a CD or imported to your iPod or .mp3 player.

_____________________________

 

 YOU CAN HEAR "The Rich Life" STREAMED LIVE VIA YOUR INTERNET CONNECTION LIVE SUNDAY FROM 11-1 (Pacific).

 _____________________________

 

KEEP UP WITH "THE RICH LIFE" BY LINKING TO BILL VALENTINE'S BLOG AT WWW.VALENTINEVENTURES.COM

 _____________________________

April 4, 2010

  • The final episode of “The Rich Life” contains the Seven Key Elements of Investing, as shared over the last six years.

March 28, 2010

  • Three pivotal events from last week / what is Moral Hazard? / Free ETFs at Schwab

  • What’s it like on “Shark Tank” Guest: Inventor Mark Burginger / ETF for playing the Treasury bubble

March 21, 2010

  • One more reason for the Fed to stay too loose too long / Oxymoron: Preferred Stocks / Free ETFs at Fidelity

  • Current tax topics, Guest: Chris Farrens, (chris@bendtax.com) / The best non-US ETFs

March 14, 2010

  • Why do stocks continue to rise?” / $101: Why bond prices and yields/rate move inversely / Christian ETFs divinely empowered?

  • Update on Mortgage Rates & Housing, Guest: Chris Starling, Arbor Mortgage Group (chris@arbormg.com) / Russian stock ETF / FOMC meets next week

March 7, 2010

  • Financial Reform will not require Brokers to be Fiduciaries / Buying bonds

  • Oregon's Economy Guest: Tom Potiowsky, Oregon State Economist  / New Long/Short Global IPO fund (DXIIX) / Future of your money

February 28, 2010

  • GDP says: Economy's recovered, Bernanke says: Economy's still weak / Pay your bills online

  • "Estate Planning Essentials" Guest: Erin MacDonald, Esq., Karnopp Peterson ekm@karnopp.com  / Shorting intermediate Treasuries (PST) / Future of your money

February 21, 2010

  • Volatility as a measure of risk / what is standard deviation again? / Eschew multi-level marketing opportunities

  • Guest: Louis Palafoutas (www.americanbullion.com) / The market on crack (TQQQ) / Future of your money

February 14, 2010

  • Bernanke's Great Endeavor / "Excess Reserves" / oregongasprices.com

  • Guest: Cody Cox, (www.northwestpropertyoptions.com) / An ETF to short China?

February 7, 2010

  • Risk can’t be measured by a questionnaire / Hyperinflation is nonsense / Get your annual credit report / ETF vs. ETNs / Low interest rates hamper consumption? / No Estate Tax in 2010, but beware the Carryover-Basis rule

  • Guest: Jesse Felder, Felder and Co. / ETF of the Week: Agriculturals / Market Timing vs. Tilting / Floating rate preferreds OK? / Future of your Money

January 31, 2010

  • "Week of The Union": Measures 66 & 67 / State of The Union

  • Where are home prices headed?

January 24, 2010

  • Could the Scott Brown victory be the tipping point for stocks, led lower by Financials?

  • Guest: Darren Powderly;  Update on Commercial Real Estate.

  • Health Savings Accounts (HSAs)

January 17, 2010

  • The Fed's multiple agenda and the conflicts of interest.

  • My three most attractive, and most unattractive, investments, Short-, Intermediate-, and Long-Term.

  • The renewed power of Unions.

January 10, 2010

  • Measures 66 & 67: Bad for Oregon

  • Muni Bonds...are they safe?  Signs your bonds are going bad.

  • Jason Conger, candidate for Oregon House, District 54.

January 3, 2010

  • Stock Valuations bode ill for 2010-2012

  • Measures 66 & 67: Bad for Oregon

  • Federal Loan Modification program has been a failure.

*"BACK TO BASICS" SERIES:

LESSON #1 (1/18): Avoid Actively Managed Mutual Funds  Sound File #1

LESSON #2 (1/25): Own only ETFs (along with individual bonds)  Sound File #2

LESSON #3 (2/1): How to engage in an Advisory relationship  Sound File #3

LESSON #4 (2/8): What to know about Financial Plans Sound File #4

LESSON #5 (2/15): Getting started investing   Sound File #5

LESSON #6 (2/22): The Four Steps to Financial Independence Sound File #6

LESSON #7 (3/1): The Irrationality of Market Timing Sound File #7

LESSON #8 (3/8): Behavioral Finance: The Leading Edge  Sound File #8

LESSON #9 (3/15): The Basics of Bond Investing  Sound File #9

LESSON #10 (3/22): The Most Important aspect of Investing: Asset Allocation  Sound File #10

 

 

Click Here

 

to download a free copy of Valentine Ventures white paper (in .pdf form) on:

 

"THIS DECADE..."

 

("Why this decade is so different from the '80s and '90s that it invalidates much of the conventional wisdom of how to save and invest")

 

 

Why Be Wealthy When You Can Be Rich?

By William L. Valentine IV, CFA

(As appeared in the Cascade Business News)

STOP RIGHT THERE! What if you follow everything you're reading about money and investing, amass a fortune, retire, and find that you're unhappy with your life? Some might say, "Give me the fortune, and I'll show you how happy I can be!" I say, I've known hundreds of millionaires and too many share the unique features of being financial wealthy but personally and emotionally bankrupt.

Sound too touchy-feely for you? Consider that the "Golden Years" often aren't—the highest suicide rates of any age group occur among persons aged 65 years and older.1 And you don't need to be Dr. Phil to accept the idea that financial concerns are a leading cause of stress and depression. More than 16% of Americans will be treated for depression in their lifetime.2

What if the old formula—work/save/retire—isn't the key to living a rich life? What if the key to a rich life isn't amassing money, but rather surrounding yourself with things of value to you? And what if the pursuit of money—on the job and in the investment markets—actually conflicted with your ability to be rich?

As a long time investment manager and financial columnist, I would suggest that all of aforementioned is true. In fact, I'm reorienting my practice to foster the mutual objectives of wealth accumulation and helping individuals to develop a lifestyle rich in the things money can't buy.

So instead of giving you "My Favorite Stock Picks," I offer up a new set of principals to add to the wealth-accumulation debate.

1)  Money is good – Money is the key to having maximum personal flexibility and the pursuit of money is a virtuous one. Prudent planning and intelligent investing help you get there. This is the easy part and what I've worked my entire career to perfect. However...

 

2)  Money is only a small part of living a rich life – Life's riches are those things of value to you. Often, they cannot be bought, and the pursuit of money can conflict with efforts to achieve many of the most important aspects of living a rich life. They are distinctive to each of us.

 

3)  The definition of "work" is "being paid to do something you'd rather not" – Your goal, therefore, is to minimize work. If you love your occupation, it's not work--and this doesn't apply. But work for the sake of money that comes at the cost of those things of value needs to be rethought.

 

4)  Financial independence occurs when living standards are met by investment yield – The gap between the money you need to retire, and a rich life in retirement, can be narrowed through redefined ideas about retirement, lifestyle, and the role of money.

 

5)  Living a rich life entails maximizing your experiences and living in the present – While living within your means, it's important to enjoy the fruits of you labor now, and allocate your time towards living in the moment. This entails surrounding yourself with the people and activities most important to you, today.

It's not an easy process for anyone. However, I can't think of a better time to design a rich life and break out of the system. Many are learning to reorient their lives to create more joy and meaning—often without amassing a fortune ahead of time—using non-traditional approaches to work, money and life.

I challenge my fellow Central Oregonians to balance their worthy pursuit of wealth with a similarly noble pursuit of a life rich in those things of value: health, family, hobbies, friends, spirituality, and philanthropy. Starting now, anyone can be rich...

For what's the point in a life filled with many dollars but little sense?

William L. Valentine IV, CFA is the President of Valentine Ventures, LLC, a private money management firm investing on behalf of high-net-worth individuals. He is the host of "The Rich Life with Bill Valentine," Saturday mornings on News/Talk 1110 KBND.

_________________

1 National Strategy for Suicide Prevention, US Dept. of Health and Human Services.

 

2 National Comorbidity Study, National Institutes of Health, Journal of American Medical Association.
 

WHAT WE DO WHO WE AREHOW IT WORKSBECOME A CLIENT

NOTABLE & QUOTABLETHE INVESTMENTORTHE HEDGEHOGTHE RICH LIFEREDSIDE MEDIA

IN THE PRESSREQUEST AN INTERVIEWCONTACT US

 

 

All Rights Reserved. Copyright ©