Search found 689 matches

by BearBones
Sat Jun 04, 2011 7:16 pm
Forum: Permanent Portfolio Discussion
Topic: Wiki or book for the Permanent Portfolio?
Replies: 22
Views: 4997

Re: Wiki or book for the Permanent Portfolio?

Fantastic idea! This forum is a wonderful asset for exploring ideas, but the real gems get hidden among a lot of mundane discussion. That's why the same questions seem to get posted so many times.
I like the wiki concept for this.
by BearBones
Sat May 28, 2011 2:36 pm
Forum: Other Discussions
Topic: The 80/20 Rule in Personal Finance
Replies: 31
Views: 7888

Re: The 80/20 Rule in Personal Finance

I feel that your approach is an over-simplification. And with all due respect: It reeks of the resentment of not being more financially successful.  (And I don't mean that as an attack, as I've frequently felt the same way myself, too.) Not really sure of your point, Coffee. I'm 50ish, live in a ni...
by BearBones
Sat May 28, 2011 7:17 am
Forum: Other Discussions
Topic: The 80/20 Rule in Personal Finance
Replies: 31
Views: 7888

Re: The 80/20 Rule in Personal Finance

Great topic. Food and data are not far behind home and auto for many people. I am shocked at how many people living on modest incomes carry smart phones with data plans and spend >$10/day on unhealthy lunches that they have to drive to purchase every day. I live in a home that is worth less than my ...
by BearBones
Tue May 17, 2011 5:49 am
Forum: Permanent Portfolio Discussion
Topic: Mortgage, PP or both?
Replies: 7
Views: 2827

Re: Mortgage, PP or both?

If you are a person who worries about an abrupt dollar collapse, a mortgage about the size of the long term bond and the cash portion of your PP could act as a kind of hedge, since the nominal value of the LB and cash parts could be used to convert nominal mortgage debt into real home equity. How i...
by BearBones
Sun May 15, 2011 3:20 pm
Forum: Permanent Portfolio Discussion
Topic: Mortgage, PP or both?
Replies: 7
Views: 2827

Re: Mortgage, PP or both?

Love the logic! I put a high premium on paying off debt, since this is essentially a risk-free, tax-free, guaranteed return. Even the PP cannot boast those characteristics. Furthermore, even a year's supply of cash will not help much if you lose your job for an extended period of time and the bank o...
by BearBones
Sun May 15, 2011 11:24 am
Forum: Variable Portfolio Discussion
Topic: International Bonds
Replies: 14
Views: 6177

Re: International Bonds

Interesting idea.  What country would you use? Like Clive, I would use index. But, in doing so, I bet that it would be impossible to construct something as safe and non-correlated at the single-country HB PP. For example, couldn't emerging market equities, bonds and currency tank at the same time? ...
by BearBones
Sun May 15, 2011 9:42 am
Forum: Permanent Portfolio Discussion
Topic: Inflation and the chicken and the egg dilemma
Replies: 14
Views: 3325

Re: Inflation and the chicken and the egg dilemma

This inflation vs deflation argument has been argued on this forum before. Could it be that both sides are right? For that which is financed through debt, particularly non-necessities such as mortgages and autos, there could be deflation because slack was taken out in the last decade of low interest...
by BearBones
Sun May 15, 2011 6:41 am
Forum: Variable Portfolio Discussion
Topic: International Bonds
Replies: 14
Views: 6177

Re: International Bonds

That might have been the case in the past, but there is increasingly an argument that international emerging markets are decoupling from western markets. I am not 100 percent committed to my international exposure as I said earlier because i still don't know if I would have the guts to double down ...
by BearBones
Sun May 15, 2011 6:22 am
Forum: Gold
Topic: How to hold physical gold / silver
Replies: 32
Views: 9242

Re: How to hold physical gold / silver

Just have it sent to me, and I will "fabricate" the coins at a fraction of any price you are quoted!
by BearBones
Sat May 14, 2011 3:47 pm
Forum: Variable Portfolio Discussion
Topic: International Bonds
Replies: 14
Views: 6177

Re: International Bonds

In terms of the zigging and zagging I view international exposure as another class that zigs and zags independently of the other traditional 4 assets. I would imagine that it should smooth out the line more and potentially increase returns....especially if we were to get into the issue of economic ...
by BearBones
Sat May 14, 2011 6:48 am
Forum: Variable Portfolio Discussion
Topic: International Bonds
Replies: 14
Views: 6177

Re: International Bonds

I am trying to add about 20 percent Intl exposure to the traditional 4 way PP... I tried to hedge against that with some international stocks, and zero coupon treasuries. I think 20-50% each from the stocks and bonds in the PP. By including international stocks and bonds in the PP, aren't you degra...
by BearBones
Wed May 11, 2011 8:12 pm
Forum: Other Discussions
Topic: Lawn Care
Replies: 15
Views: 3505

Re: Lawn Care

All lawns are an environmental negative. But hard to have good neighbors in suburbia if you are going to let your lawn follow its natural succession back into a prairie. So, to minimize herbicides, I use a spot sprayer only. Most hardware sprayers are inexpensive and fall apart within a year, but I ...