Search found 252 matches

by GT
Fri Jul 29, 2022 8:27 pm
Forum: Permanent Portfolio Discussion
Topic: Are most people here sticking with Treasuries?
Replies: 146
Views: 7964

Re: Are most people here sticking with Treasuries?

What kind of allocation are you considering switch to? This is a game that I love to play, because I enjoy tinkering with portfolio backtesters. I haven't done enough homework to identify a better allocation, but the basic idea I've been toying with is to drop LTTs and reallocate that piece to othe...
by GT
Tue Jul 26, 2022 9:56 am
Forum: Cash
Topic: I Bonds’s new variable rate will rise to 9.62% with the May reset
Replies: 17
Views: 1986

Re: I Bonds’s new variable rate will rise to 9.62% with the May reset

@GT: I am sorry to hear of your difficulties with the Treasury Direct system. However, I would not rate your credit union very highly either, based upon their lack of customer service in this instance. If it were me, I would schedule an appointment with your branch manager, inform that person of yo...
by GT
Mon Jul 25, 2022 9:53 am
Forum: Cash
Topic: I Bonds’s new variable rate will rise to 9.62% with the May reset
Replies: 17
Views: 1986

Re: I Bonds’s new variable rate will rise to 9.62% with the May reset

"As the cost of living soars, one lawmaker is urging the Treasury Department to remove the barriers to buying Series I bonds. Rep. Abigail Spanberger, D-Va., on Thursday voiced concerns about "red tape and outdated systems" that may be preventing investors from buying the inflation-protected and ne...
by GT
Tue Jul 12, 2022 6:21 pm
Forum: Other Discussions
Topic: Quality Time Left
Replies: 27
Views: 920

Re: Quality Time Left

I have a random thought I would like to get the forum's opinions on. I have spent a lot of time the last 10-20 years studying stocks, investments, optimal portfolios etc. The irony was that I never made that much money or had that much in savings for it to amount to much. I was always thinking abou...
by GT
Mon Jul 11, 2022 1:56 pm
Forum: Politics
Topic: U.S. Politics - Left vs Right
Replies: 32
Views: 922

Re: U.S. Politics - Left vs Right

Smith1776 wrote:
Mon Jul 11, 2022 11:55 am
End of quote. Repeat the line.
"You stay classy San Diego" - Ron Burgundy
by GT
Fri Jul 08, 2022 8:38 am
Forum: Other Discussions
Topic: Car Advice Needed!
Replies: 10
Views: 363

Re: Car Advice Needed!

I do not belong to AAA and I'm thinking that if I joined today they may not offer me towing services that quickly upon joining? Check your auto insurance policy to see if you have roadside assistance. They will usually tow your car even if it's sitting in your driveway. We had AAA and the free tow ...
by GT
Fri Jul 08, 2022 8:25 am
Forum: Other Discussions
Topic: Car Advice Needed!
Replies: 10
Views: 363

Re: Car Advice Needed!

For Honda's, at least my vintage, if the MIL light is on you should have the car checked out as soon as possible but the car is drivable in the short term. If the MIL light comes on and is flashing that means a more serious issues (engine misfires..ect) and the car should not be driven until the pr...
by GT
Fri Jul 08, 2022 7:40 am
Forum: Other Discussions
Topic: Car Advice Needed!
Replies: 10
Views: 363

Re: Car Advice Needed!

For Honda's, at least my vintage, if the MIL light is on you should have the car checked out as soon as possible but the car is drivable in the short term. If the MIL light comes on and is flashing that means a more serious issues (engine misfires..ect) and the car should not be driven until the pro...
by GT
Wed Jun 08, 2022 8:45 am
Forum: Other Discussions
Topic: Inflation - What are you doing different
Replies: 52
Views: 3022

Re: Inflation - What are you doing different

Interesting podcast from Animal Spirits about inflation and commodities as a hedge. https://animalspiritspod.libsyn.com/talk-your-book-hedging-the-different-types-of-inflation The guest's contention is that Gold is a good hedge against US Dollar Debasement inflation but does not do well against the...
by GT
Fri May 20, 2022 1:46 pm
Forum: Permanent Portfolio Discussion
Topic: Backtesting the PP all the way to 1971?
Replies: 13
Views: 1025

Re: Backtesting the PP all the way to 1971?

I used to use peaktotrough.com all the time for backtesting. Since that website shut down quite a while ago, I haven't been able to find a good replacement. Portfoliovisualizer and other websites I have found do not go all the way back to the Nixon shock, around August 15, 1971, the date that the g...
by GT
Thu May 05, 2022 5:10 pm
Forum: Other Discussions
Topic: Reasons why I will not be getting injected for the Wuhan
Replies: 2074
Views: 193574

Re: Reasons why I will not be getting injected for the Wuhan

"FDA sharply limits use of Johnson & Johnson shot due to rare blood clots The Johnson & Johnson vaccine has been associated with a rare, but potentially deadly blood clotting and bleeding syndrome called thrombosis with thrombocytopenia syndrome, or TTS. The condition usually occurs within one to tw...
by GT
Wed Apr 20, 2022 7:21 pm
Forum: Permanent Portfolio Discussion
Topic: Are most people here sticking with Treasuries?
Replies: 146
Views: 7964

Re: Are most people here sticking with Treasuries?

I am out of the PP and moved towards what I consider the safest thing I can at the moment: Cash + a portfolio of conservative, dividend paying stocks. Within those stocks is a healthy dose of energy and precious metal royalty companies that should help to deal with inflation a bit. Although it does...
by GT
Tue Apr 19, 2022 9:15 am
Forum: Other Discussions
Topic: Inflation - What are you doing different
Replies: 52
Views: 3022

Re: Inflation - What are you doing different

On changes... I like to earn interest and not pay it. The only exception is my mortgage which I was pretty darn sure that when I locked it at 2.25% for 15 it was going to end up being a great rate. Did I peg the mortgage low, absolutely not...but good enough. One can only get so lucky in these thin...
by GT
Sun Apr 17, 2022 8:50 pm
Forum: Other Discussions
Topic: Inflation - What are you doing different
Replies: 52
Views: 3022

Re: Inflation - What are you doing different

How did you select your contractors - if you don't mind me asking... I have used Angie's list in the past but there have been changes to the website. Wife uses next door app to seek feedback on general contractors now Don't mind at all. For driveway and tree work I asked on Facebook for recommendat...
by GT
Sun Apr 17, 2022 8:39 am
Forum: Other Discussions
Topic: Inflation - What are you doing different
Replies: 52
Views: 3022

Re: Inflation - What are you doing different

Nothing at all. I'm going the opposite direction. Bought my house 40 years ago this month. When looking at the house the realtor said, "You cannot see it now because of the snow ... but the driveway is going." 40 years later there is not much left. New driveway going in in July - $8,200 (last year ...
by GT
Fri Apr 15, 2022 7:54 am
Forum: Other Discussions
Topic: Inflation - What are you doing different
Replies: 52
Views: 3022

Inflation - What are you doing different

Spun off from a topic in the PP section Kbg had a great observation on inflation and the root cause Until supply gets unscrewed (or demand gets crushed) inflation is here for a while. I don't see the Fed crushing demand anytime soon. It hasn't been in their kitbag since the early 80s and I think the...
by GT
Thu Apr 14, 2022 11:05 am
Forum: Permanent Portfolio Discussion
Topic: Inflation!
Replies: 13
Views: 1117

Re: Inflation!

Or we could go with what is the actual reason...super loose money combined with scarcity. The former does not cause inflation, the two together do create it and we have both going on. Until supply gets unscrewed (or demand gets crushed) inflation is here for a while. I don't see the Fed crushing de...
by GT
Wed Apr 13, 2022 7:23 am
Forum: Permanent Portfolio Discussion
Topic: Are most people here sticking with Treasuries?
Replies: 146
Views: 7964

Re: Are most people here sticking with Treasuries?

The remaining 6% of my t bonds are in taxable, thankfully. Currently underwater, not horribly, but still underwater. When t-bonds spiked I think it was January of 2020, I think I sold half of my t-bonds. Have been running them at 15% or so. Maybe 2 months ago, I sold exactly half of what was remain...
by GT
Tue Apr 12, 2022 10:43 am
Forum: Cash
Topic: I Bonds’s new variable rate will rise to 9.62% with the May reset
Replies: 17
Views: 1986

Re: I Bonds’s new variable rate will rise to 9.62% with the May reset

vnatale wrote:
Tue Apr 12, 2022 8:07 am
https://tipswatch.com/2022/04/12/i-bond ... may-reset/

I Bonds’s new variable rate will rise to 9.62% with the May reset
Thanks Vnatale!!
by GT
Fri Apr 08, 2022 10:01 am
Forum: Bonds
Topic: Fed damaging bond market
Replies: 54
Views: 4484

Re: Fed damaging bond market

In computing one of the greatest security risks is between the keyboard and back of chair. The same also holds for investment risk. Swapping/changing (profit chasing) on average yields worse outcomes than had the investor just held cash deposits. Another primary risk is that of earlier years sequen...
by GT
Sat Apr 02, 2022 6:52 pm
Forum: Bonds
Topic: i-Bonds How-to Q&A as of 2021 November
Replies: 40
Views: 4843

Re: i-Bonds How-to Q&A as of 2021 November

@JHogue - What is most efficient way to purchase IBonds? My goal is 5K to 10K per year, but I am not sure of the best timing - all at once - every six months - purchase at the end of a month or wait and purchase at the beginning of the month. I see the TD website offers a direct payroll deduction o...
by GT
Fri Apr 01, 2022 7:14 am
Forum: Bonds
Topic: i-Bonds How-to Q&A as of 2021 November
Replies: 40
Views: 4843

Re: i-Bonds How-to Q&A as of 2021 November

@JHogue - What is most efficient way to purchase IBonds? My goal is 5K to 10K per year, but I am not sure of the best timing - all at once - every six months - purchase at the end of a month or wait and purchase at the beginning of the month. I see the TD website offers a direct payroll deduction o...
by GT
Thu Mar 31, 2022 3:04 pm
Forum: Bonds
Topic: Fed damaging bond market
Replies: 54
Views: 4484

Re: Fed damaging bond market

Prove me wrong. We can play this game all day. The PP is directionless and the hope is that one or more assets increase more than the other assets decline to produce a positive return. Sometimes one or more assets are down and the remaining asset that is positive doesn’t increase enough to cover th...
by GT
Thu Mar 31, 2022 1:42 pm
Forum: Bonds
Topic: i-Bonds How-to Q&A as of 2021 November
Replies: 40
Views: 4843

Re: i-Bonds How-to Q&A as of 2021 November

@JHogue - What is most efficient way to purchase IBonds? My goal is 5K to 10K per year, but I am not sure of the best timing - all at once - every six months - purchase at the end of a month or wait and purchase at the beginning of the month. I see the TD website offers a direct payroll deduction op...
by GT
Thu Feb 03, 2022 8:27 am
Forum: Permanent Portfolio Discussion
Topic: Retiring in scary environment of 2022: Invest 100% of capital into PP now, or hold cash and deploy slowly to avoid SORR?
Replies: 33
Views: 3298

Re: Retiring in scary environment of 2022: Invest 100% of capital into PP now, or hold cash and deploy slowly to avoid S

Since the PP has rebalancing bands in the 35% to 15% range, you can go heavy in cash to start and still be considered "all in". Example 34x22x22x22 vs 25x25x25x25 Since the portfolio will be overweigh with cash, you will be forced to buy the lagging asset (any asset that drops below 15%) when the ti...