Search found 689 matches
- Sat Feb 20, 2016 8:43 am
- Forum: Other Discussions
- Topic: Big Googly Brother
- Replies: 14
- Views: 9556
Re: Big Googly Brother
Thanks, you all. Will try DDG and Startpage. Anyone pay for a private VPN?
- Fri Feb 19, 2016 9:16 pm
- Forum: Cash
- Topic: Buying CDs
- Replies: 11
- Views: 10211
Re: Buying CDs
Thanks, Austen. I take notes from the better things I see posted here, and I am saving that one. Nicely explained.
- Fri Feb 19, 2016 5:58 pm
- Forum: Cash
- Topic: Buying CDs
- Replies: 11
- Views: 10211
Re: Buying CDs
Nice analysis. Thanks. Can you explain this?Austen Heller wrote: If rates stay the same, you will still get capital gains from 'riding the yield curve'.
- Fri Feb 19, 2016 4:47 pm
- Forum: Gold
- Topic: Alternatives to Physical Gold
- Replies: 11
- Views: 6912
Re: Alternatives to Physical Gold
The same reason that buying 30 year bonds and administering a 1-5 year treasury ladder is unacceptable to many. Just harder, and at some point we all sinLibertarian666 wrote: Really the first question to answer is "why is physical gold unacceptable?"
- Fri Feb 19, 2016 9:09 am
- Forum: Permanent Portfolio Discussion
- Topic: Question for Melveyr
- Replies: 81
- Views: 41542
Re: Question for Melveyr
I'm just now starting to fund my IRA's after neglecting them for years. I have a solo 401k set up for my business (roth option through vanguard, expenses are high though) and some personal Roth IRAs. how big of a difference is it to just do a 4x25 portfolio for each account? It would be much more s...
- Fri Feb 19, 2016 8:29 am
- Forum: Gold
- Topic: Alternatives to Physical Gold
- Replies: 11
- Views: 6912
Re: Alternatives to Physical Gold
IAU large and lowest of ERs.
PHYS (formerly GTU) for some in taxable account so can harvest gains with least taxes.
PHYS (formerly GTU) for some in taxable account so can harvest gains with least taxes.
- Fri Feb 19, 2016 8:26 am
- Forum: Permanent Portfolio Discussion
- Topic: Question for Melveyr
- Replies: 81
- Views: 41542
Re: Question for Melveyr
I hope the above is a helpful summary. Ryan, if there's anything I missed please comment! Very nice summary, Sophie. Thanks! Yes, I think that many of us bought into the PP when gold was hot. Many are disillusioned by "tracking error" (i.e., doubt, jealousy) and have turned toward equities again. ...
- Wed Feb 17, 2016 8:38 pm
- Forum: Other Discussions
- Topic: VoIP
- Replies: 14
- Views: 7843
Re: VoIP
Obi200 http://www.amazon.com/gp/product/B00BUV7C9A/ref=as_li_qf_sp_asin_il?ie=UTF8&camp=1789&creative=9325&creativeASIN=B00BUV7C9A&linkCode=as2&tag=obihatechn-20 Love that amazing little thing! Pair with Googlevoice number and for <$50 have free landline. No ongoing fees. Can add e911 for <$1 a month.
- Tue Feb 16, 2016 7:44 pm
- Forum: Stocks
- Topic: Demographics and the Stock Market
- Replies: 16
- Views: 12227
Re: Demographics and the Stock Market
Really nice post. MT, you more than anyone have helped me with my phobia of intermediate and long term treasuries.
- Mon Feb 15, 2016 2:50 pm
- Forum: Other Discussions
- Topic: Red flags for infidelity
- Replies: 28
- Views: 11401
Re: Red flags for infidelity
Given at 1 year. And can be given again later if no evidence of immunity.Pointedstick wrote: Thanks everyone. Sadly the vaccine isn't approved for people younger than 50
http://www.cdc.gov/vaccines/schedules/h ... adult.html
- Mon Feb 15, 2016 10:54 am
- Forum: Permanent Portfolio Discussion
- Topic: Question for Melveyr
- Replies: 81
- Views: 41542
Re: Question for Melveyr
Not so much here on this forum but many gold holders were betting on a big inflation coming because of charts like this... The idea was that banks lend in direct proportion to the amount of reserves that they have, and that once things returned to normal we would have an explosion of credit and spe...
- Mon Feb 15, 2016 6:04 am
- Forum: Permanent Portfolio Discussion
- Topic: Question for Melveyr
- Replies: 81
- Views: 41542
Re: Question for Melveyr
Might as well ask here. Elsewhere you said, "I found that the main advocates for gold were using old models that have already been proven wrong." Can you elaborate a bit more?
- Mon Feb 15, 2016 5:51 am
- Forum: Permanent Portfolio Discussion
- Topic: Question for Melveyr
- Replies: 81
- Views: 41542
Re: Question for Melveyr
Appreciate your quick response, Melveyr. And the comments of others. As you are aware, Tyler has created PortfolioCharts and suggested the Golden Butterfly. I am thinking about the derivation below. Regardless, I assume you would replace the treasuries with intermediate and ditch the gold? And you w...
- Sun Feb 14, 2016 1:14 pm
- Forum: Permanent Portfolio Discussion
- Topic: Question for Melveyr
- Replies: 81
- Views: 41542
Question for Melveyr
I don't think the PP is a good strategy right now. The PP is only different from BH strategy because it advocates for a bond barbell and gold ownership; neither make sense to me now. Holding an intermediate term bond portfolio instead of the cash/ltt has a higher sharpe ratio and I am very confiden...
- Sun Feb 14, 2016 8:21 am
- Forum: Other Discussions
- Topic: Inflation or deflation?
- Replies: 1
- Views: 1484
Inflation or deflation?
If its price has been severely inflated, then this must be one of the cases of hidden inflation that everyone is always whispering about, since given the enormous increase in central bank balance sheets in the last 10 years or so, gold doesn't look severely inflated to me. This is an argument for i...
- Sat Feb 13, 2016 2:20 pm
- Forum: Permanent Portfolio Discussion
- Topic: ultra low / negative interest rates in Germany
- Replies: 101
- Views: 47919
Re: ultra low / negative interest rates in Germany
If its price has been severely inflated, then this must be one of the cases of hidden inflation that everyone is always whispering about, since given the enormous increase in central bank balance sheets in the last 10 years or so, gold doesn't look severely inflated to me. Can you explain more? Sur...
- Sat Feb 13, 2016 10:34 am
- Forum: Permanent Portfolio Discussion
- Topic: Safe withdrawal rate when you have a mortgage?
- Replies: 21
- Views: 10087
Re: Safe withdrawal rate when you have a mortgage?
I do not think that a mortgage should be compared to the average back tested performance of your entire investment portfolio. Paying off a mortgage is equivalent to a guaranteed and safe investment return of that rate (post tax equivalent). As close as we can get to a guaranteed and safe return is f...
- Sat Feb 13, 2016 10:04 am
- Forum: Permanent Portfolio Discussion
- Topic: ultra low / negative interest rates in Germany
- Replies: 101
- Views: 47919
Re: ultra low / negative interest rates in Germany
Whether or not gold will depreciate, it is these low-yield times that make it easy for me to buy it. After all, the argument often goes that gold "just sits there." If my savings were earning 5%, I'd have to think hard about it, but right now my cash is just sitting there. With savings "earning" ne...
- Fri Feb 12, 2016 1:40 pm
- Forum: Permanent Portfolio Discussion
- Topic: ultra low / negative interest rates in Germany
- Replies: 101
- Views: 47919
Re: ultra low / negative interest rates in Germany
As Ben Bernanke noted some time ago (http://www.federalreserve.gov/boarddocs/Speeches/2002/20021121/default.htm#fn18), central banks can prevent deflation in any country by printing money. Of course the eventual result of this policy will be the destruction of the currency, but they believe that th...
- Thu Feb 11, 2016 7:16 am
- Forum: Bonds
- Topic: Maximum Bond Upside
- Replies: 278
- Views: 161363
Re: Maximum Bond Upside
You are right, cash at -1% is no good. That is when I will be be turning to the Nickel Plan... Once your basement is full of nickels, you are set... Kyle Bass tried this a few years ago, but back then it made even more sense, since the nickel's melt value was higher than 5 cents; this is no longer...
- Wed Feb 10, 2016 8:36 pm
- Forum: Bonds
- Topic: Maximum Bond Upside
- Replies: 278
- Views: 161363
Re: Maximum Bond Upside
So pardon if this is totally ignorant. But where is my logic flawed below? So if treasuries are turning negative, doesn't this mean severe deflation? Where else to move the money? Stocks, real estate, gold are all losing value vs the currency. The value of virtually everything you own plummets so ev...
- Wed Feb 03, 2016 3:40 pm
- Forum: Bonds
- Topic: Maximum Bond Upside
- Replies: 278
- Views: 161363
Re: Maximum Bond Upside
Ah, so STT even worse, so institutions still buy longer term treasuries! Boy I feel stupid. Back when this forum was in its infancy there were such high level discussions of economics and such things. Now feel like many of the newer folks are asking the same questions all over again and things aren'...
- Wed Feb 03, 2016 2:13 pm
- Forum: Bonds
- Topic: Maximum Bond Upside
- Replies: 278
- Views: 161363
Re: Maximum Bond Upside
Haven't read this thread thoroughly, and may have asked this before. But why ever own a neg yielding bond when you can own cash?
- Wed Feb 03, 2016 1:27 pm
- Forum: Variable Portfolio Discussion
- Topic: Golden Butterfly Portfolio
- Replies: 539
- Views: 350268
Re: Golden Butterfly Portfolio
I came up with this variant of the GB, and I like it... Like it too! More of a bogleheads-tilted GB. I've been playing with the charts and am favoring this for an IRA. Not as SHTF/1970s-repeat protection, but seems pretty safe with higher CAGR. CAGR Worst Yr Longest DD PP ...
- Tue Feb 02, 2016 9:18 pm
- Forum: Cash
- Topic: Buying CDs
- Replies: 11
- Views: 10211
Re: Buying CDs
No. But maxed on iBonds with 10k via TD and 5k via refund on taxes.MediumTex wrote: Is this a better option than $5,000 in ibonds?
Looking for another place for deep cash. Thanks for helping.