I still don't get why a mortgage payment would be treated like a regular expense line item in a retirement budget. The main difference between making a mortgage payment and paying for a vacation is that if you spend $10K on a vacation, that money is gone forever. You will never get a single penny o...

I don't think you should assume that you'll profit from selling your house. Generally, housing prices keep up with inflation but don't do more than that, absent a housing bubble. What most of us do is regard the house as a consumption item. Your home equity figures as part of your net worth, but it...

I am 47 years old and retired because I sold my business a few years ago. Not counting my mortgage payment, which includes taxes and insurance, my annual budget is under the safe withdrawal rate of 4%. My mortgage payment, however, puts me at around a 5% withdrawal rate. Obviously, building equity ...

I am 47 years old and retired because I sold my business a few years ago. Not counting my mortgage payment, which includes taxes and insurance, my annual budget is under the safe withdrawal rate of 4%. My mortgage payment, however, puts me at around a 5% withdrawal rate. Obviously, building equity i...

HB talked about the fact that the FDIC is underfunded and insured bank deposits are a bit risky because of that. A law was passed in 2009 that authorized the FDIC to borrow as much as $500 billion from the treasury, as discussed in the article below: https://www.marketwatch.com/story/obama-signs-bil...

So does everyone here agree that if the West changed its interventionist foreign policy to non-interventionism, that the West would run the risk of being overrun by the East, and 50 years from now, Westerners might be speaking Chinese?

The most common criticism of Libertarians I have seen is that their non-interventionist policies would allow other rival powers, such as China or Russia, to grow in influence and to eventually take over much of the globe, greatly weakening the strength of the US and Europe, and ultimately could lead...

Bonds and stocks are going down lately. Gold has been pretty flat. If this trend continues, is gold likely to come to the rescue, even if inflation stays low? Have there been economic scenarios in the past that are similar to what is going on now? If so, how did the PP play out?

How far back does the Yahoo Finance data go? And can you automatically calculate re-balancing using 15/35 bands? Thanks If you use the Vanguard mutual funds you can go back through 1997 (for Gold I did kitco before GLD started in 2006). It will auto calculate re-balancing, but you have to setup the...

InsuranceGuy wrote:I use the SMF add-in for Excel to pull from Yahoo Finance.

How far back does the Yahoo Finance data go? And can you automatically calculate re-balancing using 15/35 bands?

Thanks

Portfolio Visualizer doesn't go all the way back to 1972, does it? How can I re-create peaktotrough.com using Excel? Are there any other options?

I frequently have problems loading bond prices into my google spread sheet. I am using this formula: =importhtml("http://www.wsj.com/mdc/public/page/2_3020-treasury.html", "table", 3) Sometimes, if I change the ,3 to something else like 0, it will work. But I can't get it to work consistently. It of...