Search found 3014 matches

by sophie
Fri Jul 12, 2019 8:29 am
Forum: Other Discussions
Topic: Do Brokerage Houses Get Hit With Ransomware?
Replies: 5
Views: 161

Re: Do Brokerage Houses Get Hit With Ransomware?

I imagine they are very well hardened compared to places that run on shoestring budgets, are overburdened administratively, and employ minimally competent people for low wages: hospitals/medical centers, universities, city governments - and a range of institutions that do hold some of our $$. Which ...
by sophie
Thu Jul 11, 2019 11:05 am
Forum: Permanent Portfolio Discussion
Topic: How often should I rebalance when adding money to PP?
Replies: 8
Views: 420

Re: How often should I rebalance when adding money to PP?

I do kind of a hybrid approach: fixed monthly investments in gold and stocks, and the remainder gets thrown into cash. I then rebalance when I hit a band, which is generally cash hitting the upper limit. If I had to pay commissions on stock purchases though, I'd probably just throw the cash into the...
by sophie
Wed Jul 10, 2019 3:49 pm
Forum: Permanent Portfolio Discussion
Topic: Any PP Defectors Here?
Replies: 19
Views: 589

Re: Any PP Defectors Here?

You might consider that the recent blip in gold & bonds demonstrates that those assets are just as powerful as ever, in response to a perceived negative market signal. In other words, it's a mini stress test that suggests the PP's fundamentals are still intact. There's no way to perfectly predict wh...
by sophie
Wed Jul 10, 2019 7:34 am
Forum: Other Discussions
Topic: Epstein
Replies: 23
Views: 561

Re: Epstein

I take this as a sign that the Russia investigation has officially gone nowhere, so now it's time to try something else.

Hey it worked for Ken Starr, didn't it?
by sophie
Sun Jul 07, 2019 6:27 pm
Forum: Cash
Topic: How do you invest the Cash portion?
Replies: 14
Views: 687

Re: How do you invest the Cash portion?

1 month T bills are down to 2.26%, and the Vanguard fund is mostly that duration. Subtract 0.09% and there you go. The market is betting heavily on a Fed rate cut later this year, so it's getting priced in. I guess T bills will jump up (and some other things down e.g. gold) if the cut doesn't happen.
by sophie
Sun Jul 07, 2019 10:11 am
Forum: Cash
Topic: How do you invest the Cash portion?
Replies: 14
Views: 687

Re: How do you invest the Cash portion?

Eh. Vanguard Treasury money market yields more than that, plus no state/local tax. Current 7-day yield 2.22%. For me, any of the Treasury-based cash options beats any online savings account, because of the tax exempt thing. I've emptied out my Ally accounts and now use my Chase account & a Fidelity ...
by sophie
Sat Jul 06, 2019 2:29 pm
Forum: Cash
Topic: How do you invest the Cash portion?
Replies: 14
Views: 687

Re: How do you invest the Cash portion?

Check out the numerous threads on cash. There are so many options it's ridiculous. It depends on your time horizon, tax situation, and how much you value simplicity. One approach is to divide your cash allocation into thirds: the top third is easily accessible cash (savings account, money market fun...
by sophie
Sat Jul 06, 2019 2:22 pm
Forum: Gold
Topic: Selling bullion
Replies: 10
Views: 437

Re: Selling bullion

I sold coins to APMEX when I tax loss harvested several years ago. No big deal, just a phone call and a trip to the post office to send it registered mail.

If I had to do it again though, I'd probably journey to a local bullion dealer and make the transaction in person.
by sophie
Wed Jul 03, 2019 9:01 pm
Forum: Variable Portfolio Discussion
Topic: BYND
Replies: 87
Views: 2834

Re: BYND

I've been trying to drop 5 lbs from my middle for months. South Beach Diet, etc work for week, but too hard to stick to and the weight loss is temporary. The solution I found is playing pickleball for 2-3 hours, 4-5 days a week. I have always exercised daily, but not for that many hours. I'm sure l...
by sophie
Wed Jul 03, 2019 11:26 am
Forum: Variable Portfolio Discussion
Topic: BYND
Replies: 87
Views: 2834

Re: BYND

My argument is with the 50 years of demonizing certain foods (sat fat, eggs, meat) and pushing low fat, higher in sugar and carb substitutes. I think (maybe??) we can all agree that was a mistake that has had decades-long ramifications for the health of people in this country. Can we agree that too...
by sophie
Wed Jul 03, 2019 7:15 am
Forum: Permanent Portfolio Discussion
Topic: The Peter Schiff portfolio: an evolutionary offshoot of the PP
Replies: 33
Views: 1305

Re: The Peter Schiff portfolio: an evolutionary offshoot of the PP

It will be a hard pill to swallow if the assets of those who have scrimped and saved for the future are redistributed to the ones who have gone deeply into debt for the sake of ski-doos, granite countertops, luxury trucks, and $100,000 musicology degrees, but that appears to be where we are headed....
by sophie
Wed Jul 03, 2019 6:49 am
Forum: Permanent Portfolio Discussion
Topic: What have we learned over last 10 years?
Replies: 29
Views: 2005

Re: What have we learned over last 10 years?

You've been using the PP for 17 years?? Wow, there is a story there if you want to tell it? 17 years ago there were not a lot of people on that bandwagon. That's the kind of long view I hope to have about 12 years from now. It's a refreshing perspective, compared to loading up on angst over the perf...