Search found 316 matches

by ppnewbie
Mon Apr 19, 2021 5:26 pm
Forum: Bonds
Topic: Inflation
Replies: 70
Views: 1932

Re: Inflation

It seems like a perfect storm. Supply lag in new home construction after the 08 bust Interest rates below the free or real market forces rates->People want to buy houses Wild money creation and stock market record highs->people feel rich Lockdowns->Working from home->People want to move Bingo, OSB ...
by ppnewbie
Fri Apr 16, 2021 6:49 pm
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 505

Re: Best Low Cost ETF for Cash

@ ppnewbie: 1. Fluctuation in net asset value is fine for stocks, LTTs, and gold-- in fact, that is what the PP investor should want and expect from those volatile assets. Cash, though, is in the PP to create a pool of safe and liquid funds. A money market fund is designed for principal stability, ...
by ppnewbie
Fri Apr 16, 2021 4:48 pm
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 505

Re: Best Low Cost ETF for Cash

FDLXX did close to new investors when interest rates collapsed in 2020. It has since re-opened. The yield has been close to miniscule, but it remains all invested in US Treasury-issued securities. Yes, the ER is outrageous, but I would rather have a Treasury money market fund than an ETF. @ppnewbie...
by ppnewbie
Fri Apr 16, 2021 4:47 pm
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 505

Re: Best Low Cost ETF for Cash

FDLXX did close to new investors when interest rates collapsed in 2020. It has since re-opened. The yield has been close to miniscule, but it remains all invested in US Treasury-issued securities. Yes, the ER is outrageous, but I would rather have a Treasury money market fund than an ETF. @ppnewbie...
by ppnewbie
Fri Apr 16, 2021 4:24 pm
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 505

Re: Best Low Cost ETF for Cash

ppnewbie wrote:
Fri Apr 16, 2021 4:23 pm
mathjak107 wrote:
Fri Apr 16, 2021 3:47 pm
Fdlxx I believe is closed if you have no account
I think they opened it again at one point. Will check this out but the .34% kills me. Which is why I'm considering something SCHO at .05.
Actually FDLXX is .42%.
by ppnewbie
Fri Apr 16, 2021 4:23 pm
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 505

Re: Best Low Cost ETF for Cash

mathjak107 wrote:
Fri Apr 16, 2021 3:47 pm
Fdlxx I believe is closed if you have no account
I think they opened it again at one point. Will check this out but the .34% kills me. Which is why I'm considering something SCHO at .05.
by ppnewbie
Fri Apr 16, 2021 3:18 pm
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 505

Re: Best Low Cost ETF for Cash

Yes, recently, I have set some manual auction buys with AR off for now. Can you set your CORE to the FDIC Bank sweep? I have kept a rolling short term cash ladder as a proxy for a MM account. Recent 4 and 8 week offerings have been posted with negative yields, and that may be the reason the auto ro...
by ppnewbie
Fri Apr 16, 2021 12:58 pm
Forum: Gold
Topic: Why isn't gold moving?
Replies: 17
Views: 477

Re: Why isn't gold moving?

It'll be a genius play if you have a 20 year time horizon. I do wonder about how crypto's will affect gold though, because I feel like essentially crypto (in this case BTC) is essentially gold. IMHO - In golds case its commodity value is it's beauty and in the case of a crypto is its portability.
by ppnewbie
Fri Apr 16, 2021 11:09 am
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 505

Best Low Cost ETF for Cash

My fidelity autoroll stop auto rolling and Fidelity put me int FDRXX as my cash account. I am not a fan of that because they are charging me .34% and they invest in repo's. I am trying to find the lowest cost, MOST RELIABLE short term treasury ETF for my 401k. I am also considering ETF's that hold 1...
by ppnewbie
Fri Apr 16, 2021 12:59 am
Forum: Cash
Topic: New I-bond rate: 3.54%
Replies: 8
Views: 295

Re: New I-bond rate: 3.54%

Tipswatch has announced that the new variable component of I-bonds will reset to 3.54% on May 1, 2021. Even if the new fixed rate is announced as 0%, that means that the composite rate for the next six months of I-bonds is guaranteed to be at least 3.54%. 1. If you have not yet purchased your quota...
by ppnewbie
Tue Apr 13, 2021 6:54 pm
Forum: Bonds
Topic: Inflation
Replies: 70
Views: 1932

Re: Inflation

I was out the other day and got a coffee, which I have not done in a few months because of COVID. I nearly had a mild shock when I learned the coffee cost $5.75! Tell the Barista you only expected a 2.6% increase on the cup of coffee https://www.msn.com/en-us/money/markets/u-s-consumer-prices-surge...
by ppnewbie
Tue Apr 13, 2021 6:39 pm
Forum: Permanent Portfolio Discussion
Topic: Drawdown phase of a PP in retirement
Replies: 49
Views: 1320

Re: Drawdown phase of a PP in retirement

I just ran my balances and I am (Stocks/Cash/LTT/Gold) ~ 36,22,17,24 - I have to decide if I want to morph into a GB or be strong and rebalance into LTT's! You could always rebalance into shorter term bonds if you can't bring yourself to buy LTT's..... Maybe even a variation on the GoldSmith portfo...
by ppnewbie
Tue Apr 13, 2021 10:47 am
Forum: Bonds
Topic: Inflation
Replies: 70
Views: 1932

Re: Inflation

Back to inflation... Hearing from two friends in Toronto area. Houses are over 1 million, and bidding wars. Lake cottages up north are way over 1 million, sometimes 2 million, and bidding wars. I just think this can't end well. To me Jay Powell’s words are losing credibility by the second. I have a...
by ppnewbie
Mon Apr 12, 2021 8:06 pm
Forum: Permanent Portfolio Discussion
Topic: Drawdown phase of a PP in retirement
Replies: 49
Views: 1320

Re: Drawdown phase of a PP in retirement

Budd, Obviously your modified PP deviates quite a bit from Harry Browne's formula. I'm interested in your thought process. My guesses for the following: 1. Increase in stocks - because you are bullish on equities and anticipate economic prosperity? 2. Decrease in gold - you don't expect inflation t...
by ppnewbie
Mon Apr 12, 2021 12:07 pm
Forum: Bonds
Topic: Inflation
Replies: 70
Views: 1932

Re: Inflation

I recently had an error notification on my car - logged into a forum for my type of car. Had my local mechanic pull the code. Got all the repair notices for that code, reviewed YouTube videos on the problem and how to repair. Took it into the dealer - they said it would be $185 to pull the code - t...
by ppnewbie
Mon Apr 12, 2021 10:19 am
Forum: Bonds
Topic: Inflation
Replies: 70
Views: 1932

Re: Inflation

I recently had an error notification on my car - logged into a forum for my type of car. Had my local mechanic pull the code. Got all the repair notices for that code, reviewed YouTube videos on the problem and how to repair. Took it into the dealer - they said it would be $185 to pull the code - to...
by ppnewbie
Wed Apr 07, 2021 2:21 am
Forum: Bonds
Topic: Inflation
Replies: 70
Views: 1932

Re: Inflation

My favorite home repair was not too long ago: the dishwasher quit making heat. It turned out that the problem was the connection between the control board and the heater, and the "by the book" repair was an expensive new control board. The actual fix was to put $.00001 of solder to connect the wire...
by ppnewbie
Tue Apr 06, 2021 7:46 pm
Forum: Stocks
Topic: Dimensional Funds
Replies: 6
Views: 324

Re: Dimensional Funds

I have a fair amount of experience with DFA funds. There are a ton of threads about them on Bogleheads but a good place to start is this review on the White Coat Investor site: https://www.whitecoatinvestor.com/dfa-vs-vanguard/ Cliff's notes summary: a "cult" fund family based on Nobel-prize winnin...
by ppnewbie
Tue Apr 06, 2021 11:57 am
Forum: Stocks
Topic: Dimensional Funds
Replies: 6
Views: 324

Re: Dimensional Funds

Thanks - that was very helpful.
by ppnewbie
Tue Apr 06, 2021 12:32 am
Forum: Gold
Topic: A Boat I (Gladly) Missed
Replies: 9
Views: 1486

Re: A Boat I (Gladly) Missed

The Karat Gold guy exuded fraud in his videos.
by ppnewbie
Mon Apr 05, 2021 10:48 pm
Forum: Stocks
Topic: Dimensional Funds
Replies: 6
Views: 324

Dimensional Funds

Does anyone have experience with Dimensional funds? There are some extremely big brains behind this company. Trying to understand if there is any advantage over simple Vanguard funds.

https://us.dimensional.com/

https://apple.news/ADHU6-h3QTdah_bHgNq35CA
by ppnewbie
Mon Apr 05, 2021 8:20 pm
Forum: Bonds
Topic: Inflation
Replies: 70
Views: 1932

Re: Inflation

I've been doing my own plumbing in my house. So far I've replaced the handle/flapper assembly in my toilet (easy), and took apart, cleaned, and reassembled the piping under the sink (took several tries to put it back together without it leaking). I also fixed my brothers sink by cutting off the top...
by ppnewbie
Mon Apr 05, 2021 7:55 pm
Forum: Bonds
Topic: Inflation
Replies: 70
Views: 1932

Re: Inflation

I called roto-rooter the other day to fix something. They were very late so I fixed it myself but kept the appointment just to be sure. They repairman came in. Looked it over and said good job and wrote me an invoice for $330. As Vinny would say, !!!!!!! $330 for a service call and no repair? That'...
by ppnewbie
Mon Apr 05, 2021 7:38 pm
Forum: Permanent Portfolio Discussion
Topic: Drawdown phase of a PP in retirement
Replies: 49
Views: 1320

Re: Drawdown phase of a PP in retirement

I am using the pp in retirement.. I do not count the portfolio cash as cash for living on ..it is an active part of the portfolio which balances out the long term bonds and acts as options to buy asserts on sale but with no expiration date . So initially we use a years out side cash thrown in the c...
by ppnewbie
Mon Apr 05, 2021 3:30 pm
Forum: Permanent Portfolio Discussion
Topic: Drawdown phase of a PP in retirement
Replies: 49
Views: 1320

Re: Drawdown phase of a PP in retirement

Ahhh - so basically use the cash as the bank (whatever form) and then apply the usual rebalance rules. That makes sense.