Search found 203 matches

by jhogue
Mon Jun 04, 2018 8:46 am
Forum: Permanent Portfolio Discussion
Topic: Best Allocation: Living off just the interest
Replies: 26
Views: 2616

Re: Best Allocation: Living off just the interest

Interesting. Thanks JHogue. Dieter, I see you proposed a nicely diversified position within Cash, but I wonder if you will really be happy with only 10% Cash overall. Where will the $ come for a new car? big vacation?? unexpected medical bills or repairs??? And that is too say nothing about keeping...
by jhogue
Fri Jun 01, 2018 1:22 pm
Forum: Permanent Portfolio Discussion
Topic: Best Allocation: Living off just the interest
Replies: 26
Views: 2616

Re: Best Allocation: Living off just the interest

What are T-bills paying? 1.7%? That's $340K a year on $20 mil. 1.7% before inflation or tax (at the highest bracket) IMHO seems pretty weak (no offense). Respectfully, it appears that everyone is just throwing in their 2 cents on what they would do with a large portfoilio... but that wasn’t at all ...
by jhogue
Thu May 31, 2018 10:36 pm
Forum: Other Discussions
Topic: Annuities?
Replies: 139
Views: 7801

Re: Annuities?

i am a big believer in plan around what was , what is and what stands a reasonable chance of continuing then leave slack in the plan . we can paralyze ourselves with our own visions of every negative thing that can happen and hurt ourselves for really no reason . the biggest obstacle to our own fin...
by jhogue
Thu May 31, 2018 9:25 pm
Forum: Permanent Portfolio Discussion
Topic: Best Allocation: Living off just the interest
Replies: 26
Views: 2616

Re: Best Allocation: Living off just the interest

If there are $20 million in the bank, I think you're past the point where it makes all that much difference. Put it all in stocks - you'll be fine through every downturn. Put it all in T-bills - you can live handsomely forever, guaranteed. I think you're way too quick to write off the 100% T-bill p...
by jhogue
Tue May 29, 2018 3:18 pm
Forum: Other Discussions
Topic: Annuities?
Replies: 139
Views: 7801

Re: Annuities?

If you never spend down your assets, they you actually must be self-insuring.
by jhogue
Tue May 29, 2018 3:08 pm
Forum: Other Discussions
Topic: Annuities?
Replies: 139
Views: 7801

Re: Annuities?

my dad was under care 24/7 for 5 years and it left his spouse impoverished . it just did not make sense to actually self insure . not when the partnership plans here are so great . i get 3 years of 400 a day increased 5% a year for a nursing home or 6 years of assisted living or in home care . but ...
by jhogue
Fri May 18, 2018 12:25 pm
Forum: Variable Portfolio Discussion
Topic: Is the stock market getting too hot? Discuss...
Replies: 76
Views: 7570

Re: Is the stock market getting too hot? Discuss...

stuper1 wrote:
Fri May 18, 2018 10:36 am
Harry Browne -- agnostic about the future. Mathjak107 -- certain about the future.

Who am I going to believe?
Good question!
by jhogue
Fri May 18, 2018 10:02 am
Forum: Bonds
Topic: The Bond Dream Room
Replies: 338
Views: 55198

Re: The Bond Dream Room

dualstow,

If you have a big slug of cash headed for STTs, don't forget to consider sophie's "tax trickery." Just recently, I saw some high coupon (8-9%) 30 year T-bonds maturing in 1-2 years that would be good candidates.
by jhogue
Fri May 18, 2018 9:51 am
Forum: Variable Portfolio Discussion
Topic: Is the stock market getting too hot? Discuss...
Replies: 76
Views: 7570

Re: Is the stock market getting too hot? Discuss...

I don't see hard evidence that long term interest rates are rising significantly. Today (5/18/2018) Fidelity was showing 30 year T-bonds at 3.23%, an insignificant rise from the 2015 chart you posted.
by jhogue
Thu May 17, 2018 9:26 pm
Forum: Bonds
Topic: The Bond Dream Room
Replies: 338
Views: 55198

Re: The Bond Dream Room

I bought TLT when I bought into the HBPP in 2013. Later that year, I converted that ETF to new 30 year Treasuries (original 3.75% coupon) by direct purchase from Fidelity. At the time, the consensus was that “interest rates have nowhere to go but up!” Last I checked, new 30 year Treasury bonds have ...
by jhogue
Thu May 17, 2018 1:33 pm
Forum: Other Discussions
Topic: Safe Deposit Box Location
Replies: 39
Views: 2460

Re: Safe Deposit Box Location

I think the simplest thing you might do is to ask your local bank manager to explain what their contingency plan is for the kind of emergency you described. I had an interesting conversation somewhat along those lines with my local bank manager two years ago when they physically re-located my partic...
by jhogue
Thu May 17, 2018 7:40 am
Forum: Variable Portfolio Discussion
Topic: Is the stock market getting too hot? Discuss...
Replies: 76
Views: 7570

Re: Is the stock market getting too hot? Discuss...

mathjak,

I am not sure of the point of your last post and chart. Are you inferring that 30 year Treasury bond interest rates have no place to go but up?