Search found 288 matches
- Sun Feb 07, 2021 6:54 pm
- Forum: Other Discussions
- Topic: Safe Withdrawal Rates
- Replies: 28
- Views: 478
Re: Safe Withdrawal Rates
I'm a lot more worried about unforeseen expenses than about prolonged market conditions that might cause issues with a 4% withdrawal rate. If your budget includes a healthy dose of discretionary spending and generous budgets for things like groceries, you can temporarily cut spending if there's a m...
- Sat Feb 06, 2021 9:01 pm
- Forum: Other Discussions
- Topic: Safe Withdrawal Rates
- Replies: 28
- Views: 478
Re: Safe Withdrawal Rates
Maybe the mods can split off the last page or so into a separate SWR thread since it relates only very loosely to the thread topic of “Milestones to Financial Freedom”? Which post do you want the new thread to start with? Thanks for forking this, dualstow . I should have just started/linked another...
- Sat Feb 06, 2021 7:13 am
- Forum: Other Discussions
- Topic: Safe Withdrawal Rates
- Replies: 28
- Views: 478
Safe Withdrawal Rates
BTW, if you're running a PP the equivalent SWR is closer to 5% than the 4% the classic studies found by only looking at stocks and bonds. So you may be even farther along than you realize. Congrats! Does everyone here think these SWRs still hold true in the current climate? My SO and I are on the g...
- Fri Jan 01, 2021 8:01 am
- Forum: Permanent Portfolio Discussion
- Topic: 2020 Permanent Portfolio Return Poll
- Replies: 16
- Views: 1246
Re: 2020 Permanent Portfolio Return Poll
Right at 15% here, but I don't bother doing the actual math to deal with contributions during the year as they're small compared to the overall portfolio size.
- Sat Nov 21, 2020 10:25 am
- Forum: Politics
- Topic: Whoa: Nearly a Third of Democrats Believe the Election Was Stolen From Trump
- Replies: 142
- Views: 4453
Re: Whoa: Nearly a Third of Democrats Believe the Election Was Stolen From Trump
Wow, what's happened to this forum? It used to be a place filled with intelligent, well thought out discussions on a wide range of topics. Now it's an echo chamber where the crazies reign supreme. I've gotten the same impression, and honestly stopped reading here for the past few weeks. The folks e...
- Tue Oct 13, 2020 9:07 pm
- Forum: Other Discussions
- Topic: Coronavirus General Discussion
- Replies: 4034
- Views: 230260
- Thu Oct 08, 2020 9:12 am
- Forum: Other Discussions
- Topic: Why the push to register to vote?
- Replies: 8
- Views: 254
Re: Why the push to register to vote?
Imagine if everyone refused to vote for the lesser of two evils and only 1% of the country voted. Wouldn’t that send a strong message the system is screwed and needs change? It may send a message, but it's a "someone aught'ta do something" message, which of course no one will. The political class w...
- Sun Oct 04, 2020 4:39 pm
- Forum: Other Discussions
- Topic: Trump has Covid-19
- Replies: 215
- Views: 6824
Re: Trump has Covid-19
Technically, they are more important than us. If that wasn't just shoved in my face all the time, though, I'd probably be ok with it. Sincerely trying to understand here, since you didn't respond to my previous question..... You're upset with the people who are making personal choices and going abo...
- Sun Oct 04, 2020 11:39 am
- Forum: Other Discussions
- Topic: Trump has Covid-19
- Replies: 215
- Views: 6824
Re: Trump has Covid-19
Again, I look at the "normalcy" portrayed by these pictures, and not afforded to the rest of us peons and that more than anything is what upsets me. I believe the point was made earlier, but it's not the president nor the federal government who is denying you such "normalcy". It's your governor/loc...
- Sun Oct 04, 2020 9:53 am
- Forum: Other Discussions
- Topic: Without 2A, What Good Are the Other Amendments?
- Replies: 162
- Views: 4671
Re: Without 2A, What Good Are the Other Amendments?
Nice, subtle movie reference!tomfoolery wrote: ↑Sun Oct 04, 2020 12:37 amWhereas the people who hate guns or are afraid of them are the ones in favor of gun control and make comments like a woman's breasts feel like a bag of sand
- Tue Sep 29, 2020 3:00 pm
- Forum: Other Discussions
- Topic: 700 Miles For Heartbreak: An Alberta Story
- Replies: 99
- Views: 3190
- Tue Sep 29, 2020 9:33 am
- Forum: Variable Portfolio Discussion
- Topic: An odd choice for a VP: Wellesley
- Replies: 24
- Views: 1783
Re: An odd choice for a VP: Wellesley
Appreciate all the insights offered in this thread. I don't have anything of substance to contribute to the discussion here other than to share that over the course of the past few years I've invested in Wellesley in addition to the PP, mainly for a bit more diversification (strategy and institution...
- Sun Sep 13, 2020 7:54 pm
- Forum: Other Discussions
- Topic: Effect of delayed election results
- Replies: 26
- Views: 1286
Re: Effect of delayed election results
This year I’ll have to stay up and watch the returns. Last time I didn’t want to see Hillary’s win so I just went to bed. I guess I missed some fun TV. Last time I was up until at least 4 AM. I don't think Trump came out until about 3:30 AM? It was all somewhat surreal. I think Trump felt the same ...
- Sun Sep 13, 2020 7:52 pm
- Forum: Permanent Portfolio Discussion
- Topic: Bonds and the PP -- still make sense?
- Replies: 59
- Views: 4685
Re: Bonds and the PP -- still make sense?
Isn't that basically shorting the dollar, with leverage?
- Sat Aug 29, 2020 4:41 pm
- Forum: Other Discussions
- Topic: Daily "Check In" Thread For Us
- Replies: 1443
- Views: 84030
Re: Daily "Check In" Thread For Us
So my home internet has been down for about a week and I've been tethering off my phone for an internet connection. I have an LTE speed data cap of 8GB and I get throttled down to 3G for anything past that. So, basically, I've been living in the year 2008 for the past couple days. You're living the...
- Fri Aug 28, 2020 7:04 am
- Forum: Other Discussions
- Topic: Jeff Bezos is Now Worth 200 Billion
- Replies: 102
- Views: 3680
Re: Jeff Bezos is Now Worth 200 Billion
Would it be so hard for the 99 percent, if they really cared, to stop buying from Amazon? Problem solved. Exactly. IMO it's consumers who killed all the small-town, mom-and-pop stores, as they chose to stop spending money there. The market "spoke". Jeff Bezos and Sam Walton didn't do that. Whether ...
- Sat Aug 22, 2020 9:06 am
- Forum: Other Discussions
- Topic: Racial IQ Gap, Nature versus Nurture
- Replies: 37
- Views: 1404
Re: Racial IQ Gap, Nature versus Nurture
There's an additional explanation. A much simpler one. As someone who lived in Kenya as a child, I can speak from firsthand experience that most of the rural tribes run as a basic mode of transportation. Seriously, the idea of getting somewhere in a jeep or a car is not an option, so if you have to...
- Tue Aug 18, 2020 6:10 pm
- Forum: Politics
- Topic: Some 2020 General Election Polls
- Replies: 473
- Views: 30787
Re: Some 2020 General Election Polls
As for the DACA recipients, that is on their parents and those who encouraged them to come here illegally. Giving them amnesty will just make the problem worse. Here's the problem with anything other than deportation: I would be okay with giving them permanent residency and no path to citizenship, ...
- Tue Aug 18, 2020 5:41 pm
- Forum: Politics
- Topic: Some 2020 General Election Polls
- Replies: 473
- Views: 30787
Re: Some 2020 General Election Polls
But the only President in my lifetime who has not tried to expand his own powers but has instead told Congress and state/city executives to do their jobs is... Donald Trump. This includes but is not limited to DACA, handling the riots, and pandemic response, none of which is the job of the executiv...
- Tue Aug 18, 2020 5:39 pm
- Forum: Politics
- Topic: Some 2020 General Election Polls
- Replies: 473
- Views: 30787
Re: Some 2020 General Election Polls
Humanely speaking can you really bear to pack them all back off to a home country they can't even remember? "Humanely speaking" sets up a very slippery slope. Humanely speaking, can you really bear to let people sleep out in the cold? Humanely speaking, can you really bear to let people starve to d...
- Fri Aug 14, 2020 8:28 am
- Forum: Permanent Portfolio Discussion
- Topic: POLL: How did you overcome the fear of tracking error?
- Replies: 62
- Views: 4400
Re: POLL: How did you overcome the fear of tracking error?
Problem is, when I did that, what freaked me out was the recent overvalued price level of TLT and SPY. This just makes me very hesitant to keep going and ignore the market noise. How do you know what's overvalued and what's not? Are you smarter than the broad market? If you think you know better th...
- Wed Aug 12, 2020 8:47 pm
- Forum: Other Discussions
- Topic: Who still supports BLM after this?
- Replies: 72
- Views: 4760
Re: Who still supports BLM after this?
Do people making these statements know how insurance works - the concept of deductibles and premiums?
I heard the same thing when the looting/riots happened in the Seattle area. Like somehow no harm is done because the business owners may have insurance.
I heard the same thing when the looting/riots happened in the Seattle area. Like somehow no harm is done because the business owners may have insurance.
- Wed Aug 12, 2020 8:09 pm
- Forum: Other Discussions
- Topic: Biden/Harris Discussion
- Replies: 254
- Views: 12364
- Tue Aug 11, 2020 7:10 pm
- Forum: Gold
- Topic: The GOLD scream room
- Replies: 2994
- Views: 736271
Re: The GOLD scream room
Same. I manually updated my spreadsheet today as a forcing function to keep myself humble next time things are going gangbustersCortopassi wrote: ↑Tue Aug 11, 2020 3:49 pmI don't think my PP has seen such a large one day swing %-wise ever?

- Thu Aug 06, 2020 7:40 pm
- Forum: Gold
- Topic: What's going on with silver?
- Replies: 204
- Views: 91857
Re: What's going on with silver?
My big concern with the metals run up is that this could be the aftermath of the 2008/2009 banking crisis all over again. It seems to me that the last time there was this kind price action it was due to a fear of inflation stemming from all the QE and stimulus. When consumer price levels didn't sur...