Search found 243 matches

by eufo
Tue Aug 08, 2017 7:59 pm
Forum: Other Discussions
Topic: The Google memo firestorm
Replies: 48
Views: 27256

Re: The Google memo firestorm

It's an interesting read for sure. I disagree with his suggestion about de-emphasizing empathy. The world already has an acute lack of empathy. So many people are deeply concerned with themselves with very little regard to others. I'm convinced this problem is getting worse each year.
by eufo
Sat Jul 29, 2017 8:01 am
Forum: Other Discussions
Topic: Selling Restricted Stock
Replies: 8
Views: 7371

Re: Selling Restricted Stock

Your 3rd reason (leveraging your employment) is the main reason I would be looking to sell. Even if you didn't have a downpayment needed for a home, it would still be wise to diversify those holdings. If the tax was deferred until the sale of the stock, I might hesitate a bit and calculate the true ...
by eufo
Sat Jul 22, 2017 10:52 am
Forum: Permanent Portfolio Discussion
Topic: Asset Allocation Ideas when you have a Mortgage
Replies: 15
Views: 13306

Re: Asset Allocation Ideas when you have a Mortgage

It's probably easiest & safest to consider your home a consumption item rather than an investment. You can't liquidate it easily, you'll always need someplace to live, and you definitely can't liquidate part of it e.g. you can't just sell the driveway. It's more like your car than your brokerage ac...
by eufo
Wed Jul 19, 2017 7:08 am
Forum: Other Discussions
Topic: Bitcoin Costs More than Gold?
Replies: 108
Views: 70072

Re: Bitcoin Costs More than Gold?

Interesting read. Damn that board looks young! That's a really sad read. Pump and dump early adopters are the real winners here. Greedy fools will be the losers. I suppose that's the way with most things. Everyone is trying to get the most happiness they can given their limited resources in life. S...
by eufo
Sun Jul 16, 2017 10:04 pm
Forum: Other Discussions
Topic: Bitcoin Costs More than Gold?
Replies: 108
Views: 70072

Re: Bitcoin Costs More than Gold?

Re hoarding: http://nakamotoinstitute.org/mempool/im-hoarding-bitcoins-and-no-you-cant-have-any/ Interesting read. Damn that board looks young! That's a really sad read. Pump and dump early adopters are the real winners here. Greedy fools will be the losers. I suppose that's the way with most things.
by eufo
Fri Jul 14, 2017 6:35 pm
Forum: Other Discussions
Topic: Bitcoin Costs More than Gold?
Replies: 108
Views: 70072

Re: Bitcoin Costs More than Gold?

I get the sneaking suspicion that once Bitcoin becomes sufficiently large enough, the US Government will make it officially illegal. This may not stop its use entirely, but it will almost entirely halt its use by corporate entities as an acceptable form of payment, which would be devastating enough...
by eufo
Fri Jul 14, 2017 9:18 am
Forum: Other Discussions
Topic: Bitcoin Costs More than Gold?
Replies: 108
Views: 70072

Re: Bitcoin Costs More than Gold?

I get the sneaking suspicion that once Bitcoin becomes sufficiently large enough, the US Government will make it officially illegal. This may not stop its use entirely, but it will almost entirely halt its use by corporate entities as an acceptable form of payment, which would be devastating enough...
by eufo
Thu Jul 13, 2017 6:22 pm
Forum: Other Discussions
Topic: Bitcoin Costs More than Gold?
Replies: 108
Views: 70072

Re: Bitcoin Costs More than Gold?

I get the sneaking suspicion that once Bitcoin becomes sufficiently large enough, the US Government will make it officially illegal. This may not stop its use entirely, but it will almost entirely halt its use by corporate entities as an acceptable form of payment, which would be devastating enough.
by eufo
Tue Jul 11, 2017 6:37 am
Forum: Gold
Topic: GenX 7% in Gold?
Replies: 11
Views: 10259

Re: GenX 7% in Gold?

GenX goes to age 56? That's my age. I used to think of myself as a Late Boomer Wikipedia says 1961 to 1981. Seems a lot broader than I would have guessed. https://en.wikipedia.org/wiki/Generation_X Edit: There seems to be a lot of looseness with the years depending on the source, so never mind the ...
by eufo
Mon Jul 10, 2017 8:43 pm
Forum: Gold
Topic: GenX 7% in Gold?
Replies: 11
Views: 10259

Re: GenX 7% in Gold?

I'm a GenX-er. I have a little more than 21% in Gold. It's technically a broad age range: 36 to 56 roughly, at the moment. I wouldn't imagine many at the lower end to hold any gold, while the older ones probably hold a decent amount.
by eufo
Mon Jul 10, 2017 10:50 am
Forum: Other Discussions
Topic: Help get me reduce some weight
Replies: 93
Views: 53517

Re: Help get me reduce some weight

Cut soda, even diet soda. Replace with tea and organic raw honey. Cut flour and sugar (naturally occurring sugar in foods is ok). I mentioned soda first because I think it drives the body into consuming more food. I believe it has to do with the sweeteners used. Even stevia makes me more hungry, and...
by eufo
Fri Jul 07, 2017 10:56 am
Forum: Gold
Topic: The GOLD scream room
Replies: 3689
Views: 1657558

Re: The GOLD scream room

Bought up some IAU just now at $11.61508... this rout feels brutal! Grrrrr!!!
by eufo
Sun Jun 25, 2017 11:15 am
Forum: Gold
Topic: Real Assets vs. Financial Assets
Replies: 12
Views: 10477

Re: Real Assets vs. Financial Assets

That chart in the link was very interesting. I think the one aberration would be real estate. I know for my market, along with other large coastal cities, prices are inflated beyond pre-great recession levels and the market is still somewhat frenzied for single family homes, where most of the homes ...
by eufo
Thu Jun 22, 2017 6:49 pm
Forum: Cash
Topic: Ally Bank No Penalty CD
Replies: 26
Views: 31024

Re: Ally Bank No Penalty CD

ochotona wrote:In 1983 I got a 12-month CD offering about 13% APR, at an S&L in the Sherman Oaks (California) Galleria where they filmed "Terminator 2". Imperial Savings and Loan. Long since gone, of course. Oh, the good old days.
Hasta la vista, baby!

Wow, 13%! *heavy sigh*
by eufo
Tue Jun 20, 2017 7:31 am
Forum: Gold
Topic: The GOLD scream room
Replies: 3689
Views: 1657558

Re: The GOLD scream room

Yeah, it's been in the dumps... It's a very hated asset. Sometimes I hate it. Not me. But that may be partly because I have enough cash to last for several years without selling any more. Maybe, but I don't need to sell any, nor have I ever sold any and I still kinda hate it sometimes. If it drops ...
by eufo
Mon Jun 19, 2017 8:08 pm
Forum: Gold
Topic: The GOLD scream room
Replies: 3689
Views: 1657558

Re: The GOLD scream room

Yeah, it's been in the dumps... It's a very hated asset. Sometimes I hate it.
by eufo
Wed Jun 14, 2017 7:44 pm
Forum: Other Discussions
Topic: "On days like this there are no Republicans and Democrats"
Replies: 6
Views: 4223

Re: "On days like this there are no Republicans and Democrats"

Only on days like today? #dividedwefall Well, of course if a Democrat is shot, it's a different story: then it's all the Republicans' fault. I don't follow any party, but the stances on both sides are pretty clear: Democrats - Guns kill, see? Take away the guns! Republicans - Bad people kill! If mo...
by eufo
Wed Jun 14, 2017 7:33 pm
Forum: Other Discussions
Topic: "On days like this there are no Republicans and Democrats"
Replies: 6
Views: 4223

Re: "On days like this there are no Republicans and Democrats"

Only on days like today? #dividedwefall
by eufo
Mon Jun 12, 2017 9:07 pm
Forum: Permanent Portfolio Discussion
Topic: Worst Crash Coming article
Replies: 7
Views: 6841

Re: Worst Crash Coming article

bitcoininthevp wrote:
eufo wrote:I feel like it will occur immediately after I'm completely invested.
If its invested in the PP, then "phew"! Right?
I'm most of the way through the process of going a portfolio of about 40% equities instead of 25%. I'm at about 35% right now. Once I reach 40%, that's when the crash will occur.
by eufo
Sat Jun 10, 2017 6:04 pm
Forum: Variable Portfolio Discussion
Topic: Fearful of a Japanified stock market?
Replies: 8
Views: 6520

Re: Fearful of a Japanified stock market?

It's a worry, for sure. Rebalancing strategies should increase CAGR by quite a bit, but I'm intrigued enough to inquire about the momentum strategy being applied here. Can you link to more information? EDIT: Nevermind. I thought it looked like the Portfolio Visualizer site, so I searched around a bi...
by eufo
Fri Jun 09, 2017 5:29 pm
Forum: Permanent Portfolio Discussion
Topic: Worst Crash Coming article
Replies: 7
Views: 6841

Re: Worst Crash Coming article

I feel like it will occur immediately after I'm completely invested.
by eufo
Sun Jun 04, 2017 9:23 am
Forum: Permanent Portfolio Discussion
Topic: Starting in Europe, questions
Replies: 19
Views: 16613

Re: Starting in Europe, questions

"SHORT DAILY" implies this is an inverse ETF. If the STOXX 50 goes up 1% in a day, that ETF will go down 1% that day, and vice versa. You will not want to invest in any inverse or leveraged ETFs for long term. If you could provide a list of the ETFs they provide commission free, I'm sure we could he...
by eufo
Thu Jun 01, 2017 7:36 pm
Forum: Permanent Portfolio Discussion
Topic: PP as savings account
Replies: 7
Views: 5341

Re: PP as savings account

My own take is... 1) Main checking has enough to float me for a couple of months 2) Savings account with another bank has enough enough to cover another 6 months. (baby checking account with same bank for easier access) 3) Max fund Roth IRA following my own twist on Golden Butterfly 4) All excess pu...
by eufo
Mon May 29, 2017 12:30 pm
Forum: Variable Portfolio Discussion
Topic: Golden Butterfly Portfolio
Replies: 539
Views: 350581

Re: Golden Butterfly Portfolio

It's kinda fun to see how many moving parts you can remove from the machine before it stops working. It is. I've tried countless allocations on Tyler's site, just to see how they might have performed. They all kind of lead into the same direction of something very similar to PP, but with minor twea...
by eufo
Sat May 27, 2017 10:58 am
Forum: Cash
Topic: Understanding Cash Will Make You a Happier Investor (Tyler)
Replies: 41
Views: 32404

Re: Understanding Cash Will Make You a Happier Investor (Tyler)

BTW, several of the people who looked into modeling TIPS left the exercise swearing them off with their own money. Wow, that is very telling about TIPS. I remember liking the concept of protection against inflation in a bond, but I never really cared for their ultimate performance. Plus, the conspi...