Search found 592 matches

by foglifter
Mon Jul 13, 2020 7:38 pm
Forum: Other Discussions
Topic: Google services are failing
Replies: 27
Views: 906

Re: Google services are failing

What did you like about 1password compared to Lastpass, Mountaineer? Curious. Lastpass works fine for me. The only peeve I had is that it doesn't always fill login screens so you end up having to do it manually. (Of course now there's a second peeve: incompatibility with Safari.) Sophie, it is prob...
by foglifter
Sat Apr 25, 2020 1:10 pm
Forum: Bonds
Topic: Why should I buy Treasuries now?
Replies: 46
Views: 14000

Re: Why should I buy Treasuries now?

Wow, this is impressive. Looks like M*, Yahoo and Google provide simply the price charts as you said. Good point. Stockcharts.com uses total return as Madmoney points out. Morningstar also uses total returns as well as price charts. If you want to build a tracking portfolio I recommend using Mornin...
by foglifter
Fri Apr 03, 2020 1:56 pm
Forum: Cash
Topic: How do you invest the Cash portion?
Replies: 233
Views: 70223

Re: How do you invest the Cash portion?

I just saw this notice on Fidelity's fixed income web page: icon-exclamation-yellowtriangle-1x Recent extreme market conditions have resulted in a lack of liquidity, wide spreads (the difference between the price a customer can buy and sell a bond), large swings in prices, and substantial increases...
by foglifter
Sat Mar 28, 2020 5:03 pm
Forum: Variable Portfolio Discussion
Topic: Strategically taking a 401k loan and/or no-penalty withdrawal
Replies: 64
Views: 3667

Re: Strategically taking a 401k loan and/or no-penalty withdrawal

But there is still tax on the appreciated assets that you use to refund the 401k. Gotcha, right. I think there was some confusion before about whether 401k loans were taxed. Even so, I'd like to run some comparisons assuming a possible low return on interest inside my 401k. Double taxation does hap...
by foglifter
Thu Jan 16, 2020 12:39 pm
Forum: Other Discussions
Topic: Why Obama won
Replies: 123
Views: 20350

Re: Why Obama won

Despite the doomsday scenarios outlined by people like Munisteri, the Texas G.O.P. is far ahead of the national Party in dealing with the future. Two strategies are being tested. One is the kind of Republican identity politics exemplified by Cruz: the Party can continue its ideological shift to the...
by foglifter
Wed Dec 18, 2019 7:14 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 521
Views: 129522

Re: Golden Butterfly Portfolio

Hey all, I just wanted to resurrect this thread because it seems the Golden Butterfly has been gaining traction as a topic of conversation as of late. This thread has a ton of useful information and perspective on the allocation. I'm still not the biggest fan of the name (;D), but the allocation is...
by foglifter
Sat Dec 07, 2019 1:25 pm
Forum: Cash
Topic: Fidelity - SHV BIL or TBILL ladder (auto roll)
Replies: 24
Views: 11042

Re: Fidelity - SHV BIL or TBILL ladder (auto roll)

Everything is now commission-free at Fidelity. But why not use FUMBX which at 0.03% is cheaper than any ETF and you don't have to worry about spreads?
by foglifter
Tue Dec 03, 2019 2:15 pm
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio?
Replies: 12
Views: 1999

Re: Variable Portfolio?

... I think we can safely conclude small cap outperforms large cap (at least in the last two decades). I don't think we can conclude small cap value outperforms small cap. Agreed! SCB includes both growth and value and essentially can be considered as a size play with no focus on value or growth. A...
by foglifter
Tue Dec 03, 2019 12:39 am
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio?
Replies: 12
Views: 1999

Re: Variable Portfolio?

I wouldn't come to conclusions regarding any investment's long-term performance based on such a short period of time (5 years). Looking at a longer period we can see how SCV outperformed after the dot-com bust and the Great Recession. https://i.postimg.cc/mkwd103g/Untitled.png Value and size factors...
by foglifter
Sat Nov 30, 2019 7:16 pm
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio?
Replies: 12
Views: 1999

Re: Variable Portfolio?

If I guessed right, you refer to the classic 4x25 HBPP when you say "100% PP". I use GB as my PP and also have a small VP. As others suggested, this section has some good threads on VP. I think most people here have some kind of VP. Harry Browne was smart to mention VP in his book. It's better to l...
by foglifter
Sat Nov 30, 2019 12:32 pm
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio?
Replies: 12
Views: 1999

Re: Variable Portfolio?

If I guessed right, you refer to the classic 4x25 HBPP when you say "100% PP". I use GB as my PP and also have a small VP. As others suggested, this section has some good threads on VP. I think most people here have some kind of VP. Harry Browne was smart to mention VP in his book. It's better to le...
by foglifter
Mon Nov 25, 2019 2:22 pm
Forum: Other Discussions
Topic: Total return comparison in Morningstar
Replies: 0
Views: 1106

Total return comparison in Morningstar

Morningstar website UI and functionality changed and I've just realized that their advanced comparison chart no longer shows total growth for ETFs, only for mutual funds. Bummer! For example, here's how TLT lines looks like when dividends are no longer included (note that the chart type is Growth!) ...