Search found 689 matches

by BearBones
Sat Jan 30, 2016 12:32 pm
Forum: Other Discussions
Topic: Vaccines
Replies: 75
Views: 16623

Vaccines

Don't want this to detract from my other posts today, but...  ;) Yep, I am a physician who found myself dating an anti-vax woman. Vehement. Most of her arguments I find pretty lame. A few are of merit and need some research. Anyone looked into this a lot and have some opinions grounded in strong sci...
by BearBones
Sat Jan 30, 2016 12:22 pm
Forum: Bonds
Topic: Are free trades for treasuries really free? Except for TD Ameritrade?
Replies: 9
Views: 5112

Are free trades for treasuries really free? Except for TD Ameritrade?

Since I joined this forum, there has been increasing disillusionment with TLT and increasing enthusiasm for buying treasuries directly. The consensus here seems to be that, except for a small bid/ask spread, trading is essentially free for treasuries with most brokerages, making this a prudent decis...
by BearBones
Sat Jan 30, 2016 10:50 am
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio Idea
Replies: 5
Views: 2735

Re: Variable Portfolio Idea

Your allocation seems like it would clearly fall into the "investment" category, and not the "speculation" category of a variable portfolio. Thanks. Yes, that is my intention. I think I will always keep a conservative alternative to the PP, but I really don't want it to be variable. My days for spe...
by BearBones
Sat Jan 30, 2016 10:44 am
Forum: Other Discussions
Topic: Market-based medical care
Replies: 23
Views: 7533

Re: Market-based medical care

IDrinkBloodLOL wrote: To me, this shows why we shouldn't have diversity.

If we were all from the same racial group, such suspicions would be impossible.
Hitler? Is that you?
by BearBones
Fri Jan 29, 2016 8:31 pm
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio Idea
Replies: 5
Views: 2735

Variable Portfolio Idea

Have been experimenting with Tyler's nice charts for my new IRA, currently in cash. This is a bit of an amalgam of the PP, the Golden Butterfly, and some of the other well known portfolios on Tyler's site. Not as biased toward the early 70's. Higher CAGR than the PP and a lot less light blue squares...
by BearBones
Fri Jan 29, 2016 6:05 am
Forum: Permanent Portfolio Discussion
Topic: Simplicity or Security
Replies: 9
Views: 3415

Simplicity or Security

Thinking about cash options now that Vanguard reopened its Treasury MM fund. I see from prior posts that a lot of folks are keeping their cash in bank accounts and CCs while others of us are earning closer to zero for staying a tad bit safer. Got me thinking that there are several tiers of safety wh...
by BearBones
Mon Jan 25, 2016 6:23 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 10205

Re: Crazy Doctor Talk

Positive and negative are our judgments, not properties of reality. I'm just describing what I see as accurately as possible. Failure to delude myself by observing through rose colored glasses and failure to sugar coat my observations are frequently mislabeled as cynicism. Judgements are subjective...
by BearBones
Mon Jan 25, 2016 6:13 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 10205

Re: Crazy Doctor Talk

As far as dwelling on the stupid things in life, I agree that it can be a pointless and destructive habit to get into, but it can also be the pathway to a lot of humor. Oh I love the humor here. Yours especially. And I did not mean for my 4th point to sound derogatory (about spending too much time ...
by BearBones
Mon Jan 25, 2016 5:32 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 10205

Re: Crazy Doctor Talk

Finally skimmed through this, since I have posted here twice. A few observations: 1. Agree you come off as shockingly cynical, IDB. And agree with all of Sophie's comments. Dead on. Not saying that there is anything wrong with you or what you are saying. Just that it may be a sign you may be going i...
by BearBones
Mon Jan 25, 2016 4:41 pm
Forum: Other Discussions
Topic: Portfolio Charts
Replies: 124
Views: 27508

Re: Portfolio Charts

This is so well done. And so helpful. Thanks for putting in the work and sharing with us!
by BearBones
Sun Jan 24, 2016 6:01 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 10205

Re: Crazy Doctor Talk

... people like me (lifelong non-assholes  :) )... Not really congruous with: My impression of medical school has always been to make sure that geeky science-types who are also assholes will have a career path.  I didn't think that the "wise and humble healer" ideal had that much to do with it. Wha...
by BearBones
Sat Jan 23, 2016 4:14 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 10205

Re: Crazy Doctor Talk

You go into professions like these to make big bucks, not to live a life of compassion. If you want that, try teaching or religion. :-\ Why do so many in this group like to make broad sweeping angry and/or totally cynical generalizations, often about things they really know little about? I ordinari...
by BearBones
Sun Jan 17, 2016 12:15 pm
Forum: Permanent Portfolio Discussion
Topic: Derivatives
Replies: 1
Views: 923

Derivatives

http://money.visualcapitalist.com/all-of-the-worlds-money-and-markets-in-one-visualization/ Linked to this from another thread. Nice way of showing where all of the global money is, since this comes up a lot. At the bottom are derivatives, of course swamping everything else. Controversial if they ar...
by BearBones
Sat Jan 16, 2016 9:11 am
Forum: Gold
Topic: Time to buy CEF?
Replies: 5
Views: 3033

Re: Time to buy CEF?

Agree. Sold my GTU due to all of the drama recently, realized capital losses, captured a few % in a decreasing discount driven by Sprott, and got CEF at nice discount. Although not pure gold, I trust more than the ETFs, and I like that I can sell at capital gains rate rather than collectables if/whe...
by BearBones
Mon Jan 11, 2016 8:11 pm
Forum: Other Discussions
Topic: Other risks
Replies: 7
Views: 1869

Re: Other risks

Indeed. Lots to reflect on here. Thanks.
by BearBones
Sun Jan 10, 2016 11:43 am
Forum: Other Discussions
Topic: Other risks
Replies: 7
Views: 1869

Other risks

Many of us are here because investment gains are secondary to minimizing large losses in unforeseen market conditions. But what about other risks that we ignore? Fraud, theft, etc. Some of these might be as high or higher a risk than market risk in a conventional portfolio. So I would like to hear y...
by BearBones
Tue Jan 05, 2016 10:09 am
Forum: Permanent Portfolio Discussion
Topic: Tilt due to taxes?
Replies: 15
Views: 5107

Re: Tilt due to taxes?

Really helpful, you all. Thanks.
And great explanation, Pet Hog!
by BearBones
Mon Jan 04, 2016 1:09 pm
Forum: Permanent Portfolio Discussion
Topic: Tilt due to taxes?
Replies: 15
Views: 5107

Re: Tilt due to taxes?

Also, keep interest and dividends to a minimum. Buy the 30 year Treasury bonds with the lowest interest rates, so that your yield is delivered as LT capital gains instead of interest... ...it is hard to beat the PP for low taxes. Thanks! Just with 50% of assets spinning off interest, I am ever awar...
by BearBones
Mon Jan 04, 2016 12:59 pm
Forum: Permanent Portfolio Discussion
Topic: Tilt due to taxes?
Replies: 15
Views: 5107

Re: Tilt due to taxes?

goodasgold wrote: I assume you are taking full advantage of Roth IRAs, physical gold and I-bonds.
Yes, tax deferred maxed. And yes.
by BearBones
Mon Jan 04, 2016 11:25 am
Forum: Permanent Portfolio Discussion
Topic: Tilt due to taxes?
Replies: 15
Views: 5107

Tilt due to taxes?

What changes to make, if any, if large percentage of assets taxable and in highest tax bracket? Any recommendations without subjecting assets to undue risk?
by BearBones
Mon Dec 28, 2015 10:14 am
Forum: Gold
Topic: Sprott Intends to Make Exchange Offers for Central GoldTrust and Silver Bullion
Replies: 205
Views: 61556

Re: Sprott Intends to Make Exchange Offers for Central GoldTrust and Silver Bullion

I've harvested my tax losses earlier in the year. Are there other valid reasons to sell GTU? Seems that it will either be converted to PHYS or an ETF, the latter having less favorable tax consequences. Think I will sell today and buy PHYS, realizing loss. Can always buy back once the drama ends (if...
by BearBones
Sun Dec 27, 2015 4:09 pm
Forum: Gold
Topic: Sprott Intends to Make Exchange Offers for Central GoldTrust and Silver Bullion
Replies: 205
Views: 61556

Re: Sprott Intends to Make Exchange Offers for Central GoldTrust and Silver Bullion

I held GTU for years and was quite happy until Sprott got into the picture. Discounts and premiums never bothered me because I follow the PP and it only benefited me. Not long ago I sold all my GTU for tax loss harvest purposes... Agree. Down on GTU now that it looks like it may be converted either...
by BearBones
Thu Jul 30, 2015 9:09 pm
Forum: Gold
Topic: Tax loss harvest GTU?
Replies: 3
Views: 1725

Re: Tax loss harvest GTU?

I know. But if the capital losses were somehow carried between GTU and PHYS in their exchange, then I could simultaneously capture the losses AND the difference in discounts (the "free money" talked about in the corresponding thread).
by BearBones
Thu Jul 30, 2015 8:23 pm
Forum: Gold
Topic: Tax loss harvest GTU?
Replies: 3
Views: 1725

Tax loss harvest GTU?

Still pondering this Sprott exchange for Central Gold Trust shares. Like many of you, my GTU is down, ripe for a tax loss harvest. If I exchange for PHYS, will I lose the capital losses? If not, sure would be nice to take the "free money" some of you have alluded to, then sell PHYS after 30 days and...