Search found 1991 matches
- Mon Dec 19, 2022 7:03 am
- Forum: Other Discussions
- Topic: Died Suddenly
- Replies: 85
- Views: 6868
Re: Died Suddenly
Vinny, cmon man, when the vaccines were first introduced there was a huge push to get people vaccinated and a lot of businesses and agencies basically mandated it or at least highly encouraged it. So a bunch of people got vaccinated near the beginning. Then, as time went along, the compulsion decre...
- Wed Nov 30, 2022 9:51 am
- Forum: Gold
- Topic: Time to buy more physical gold
- Replies: 24
- Views: 3750
Re: Time to buy more physical gold
I had a negative experience with AJPM about 10 years ago. Nothing major, but my delivery took almost 2 months to get to me and they were unable to provide any updates. In fairness to them, the gold was shipped registered from a depository directly to me, so they didn't have much visibility themselv...
- Tue Nov 29, 2022 4:58 pm
- Forum: Permanent Portfolio Discussion
- Topic: Help a newbie to trust the PP
- Replies: 56
- Views: 12500
Re: Help a newbie to trust the PP
That may be true (depending on the variables), and Kitces is undoubtedly smarter than I am. But there's a lot more risk involved. A person that wants to ensure that their younger spouse is left with a consistent, reliable income might choose a different path. I'll be working the numbers and conside...
- Mon Nov 28, 2022 8:46 am
- Forum: Permanent Portfolio Discussion
- Topic: Help a newbie to trust the PP
- Replies: 56
- Views: 12500
Re: Help a newbie to trust the PP
So I retired at 61 but filed for ss at 65 ….my fra was 66 My opinion is When one delays ss they shouldn’t wait until they file for ss to first spend more . Rather the budget should stay the same from day one and all that changes is the ratio of your money vs ss money .. So in the beginning we were ...
- Mon Nov 28, 2022 5:45 am
- Forum: Permanent Portfolio Discussion
- Topic: Help a newbie to trust the PP
- Replies: 56
- Views: 12500
Re: Help a newbie to trust the PP
It can be daunting trying to come up with a safe system of raises besides inflation adjusting . So we use bob clyatts 95/5 which is dynamic . Each year we get 4% of the balance ... That’s it, and done ..no other adjustments needed. In a down year you get the higher of 4% of the balance or 5% less t...
- Sat Nov 26, 2022 5:08 am
- Forum: Permanent Portfolio Discussion
- Topic: Help a newbie to trust the PP
- Replies: 56
- Views: 12500
Re: Help a newbie to trust the PP
I'm curious welderwannabe if you are retired and withdrawing from your portfolio as mathjak is. If you are still working and saving a bunch of "cash" each year, it might explain, at least in part, why you have a different view of how the cash quadrant should be used.
- Fri Nov 18, 2022 8:09 am
- Forum: Other Discussions
- Topic: First trillionaire?
- Replies: 15
- Views: 1068
Re: First trillionaire?
Interesting there are no Chinese names on the list...a good way to be a target of Xi and the CCP? I have a hard time believing there isn't at least 1 or 2 up there. Xi is almost definitely targeting these individuals. Ray Dalio, who was quite cozy with the old CCP guard, wrote a recent piece talkin...
- Thu Nov 17, 2022 1:23 pm
- Forum: Bonds
- Topic: Treasury Notes (Auction vs Secondary - basically a wash?)
- Replies: 14
- Views: 4354
Re: Treasury Notes (Auction vs Secondary - basically a wash?)
This has nothing to do with auction vs. secondary market but I had an "interesting" development today. Had T-Bills maturing today at both Fidelity & Etrade. At Fido the funds were available first thing in the morning and are already reinvested. The Etrade Bills have not yet been kicked...
- Thu Nov 17, 2022 1:12 pm
- Forum: Politics
- Topic: How did YOU vote???!!
- Replies: 62
- Views: 10284
Re: How did YOU vote???!!
Meaning that in many states with loose regulations or lax enforcement regarding mail-in ballots, there’s no longer a need to appeal to voters. Hide in the basement, refuse to debate, generate zero energy, commit a gaffe a day… no worries, none of it matters. You just have to collect ballots to win....
- Mon Nov 14, 2022 4:10 am
- Forum: Bonds
- Topic: Treasury Notes (Auction vs Secondary - basically a wash?)
- Replies: 14
- Views: 4354
Re: Treasury Notes (Auction vs Secondary - basically a wash?)
From what I've read, there is no real difference between buying US Treasury Notes (2 and 3 year durations) on the secondary market versus in auction. With auctions you avoid bid/ask spreads and get the best price everyone is paying...but you lose a few weeks of interest while waiting for the auctio...
- Sat Nov 12, 2022 8:04 am
- Forum: Gold
- Topic: Time to buy more physical gold
- Replies: 24
- Views: 3750
- Thu Nov 10, 2022 5:53 am
- Forum: Other Discussions
- Topic: US Legislative Majority after November 8
- Replies: 17
- Views: 1712
Re: US Legislative Majority after November 8
I like divided government. Reigns in the crazies on both sides. Effectively adding more reams of paper to existing state and federal code and regulations isn't necessarily a good thing. I used to believe that way until Executive Orders started becoming so commonplace. I also don't like executive or...
- Thu Nov 10, 2022 3:19 am
- Forum: Politics
- Topic: How did YOU vote???!!
- Replies: 62
- Views: 10284
Re: How did YOU vote???!!
I have seen other explanations thrown out. Maybe the predictions of a Red Wave made Rs lazy and not motivated to show up. Or maybe that got Ds out to vote. And some pollsters claim the polls never predicted a Red Wave and that was a narrative created out of nowhere. The interesting thing is that ev...
- Wed Nov 09, 2022 10:52 am
- Forum: Politics
- Topic: How did YOU vote???!!
- Replies: 62
- Views: 10284
Re: How did YOU vote???!!
Not a great night for the R party. Thoughts on my thoughts? - If you want to win a competitive Republican primary in a deep red state, go for the Trump endorsement - If you want to win a competitive general election, having his endorsement is close to political suicide Interesting take. As fanatica...
- Wed Nov 09, 2022 2:36 am
- Forum: Politics
- Topic: How did YOU vote???!!
- Replies: 62
- Views: 10284
Re: How did YOU vote???!!
Election denial? https://www.youtube.com/watch?v=XX2Ejqjz6TA Speaking of hypocrisy, I voted all smaller-gov and conservative. Except for a new tax on millionaires, because I want an EV grant (CA). There's a page of "Should judge X be approved" which is useless because they dont tell you t...
- Thu Oct 27, 2022 6:07 am
- Forum: Bonds
- Topic: Corporate Bonds
- Replies: 17
- Views: 2980
Re: Corporate Bonds
Because these higher yielding corporate bonds tend to default more frequently, isn't it better (or at least less nerve wracking) to just stick with investments backed by the people with the printing press? I mean, those higher yields are there for a reason, right? If a bond portfolio of near junk co...
- Wed Oct 26, 2022 5:42 am
- Forum: Bonds
- Topic: IBonds over the limit - Gifting
- Replies: 9
- Views: 2157
Re: IBonds over the limit - Gifting
Just gifted but stuck to a 10k per person. I may just turn around and convert the gift in January. That's the way I am leaning as well. It's been great to get some more 9.62% I-Bonds but I don't like that it adds a level of complexity that my wife is likely to struggle with if I pass. Trying to kee...
- Tue Oct 25, 2022 6:03 am
- Forum: Politics
- Topic: Mosler on current inflation...the MMT response
- Replies: 6
- Views: 2566
Re: Mosler on current inflation...the MMT response
Only watched the beginning of the Mosler video doodle posted so can't comment on most of it. Anyway, Mosler seems to start off every piece he does with a premise that, at least for me, just doesn't jive with reality. Specifically he has this idea that the government more or less arbitrarily imposes ...
- Sat Oct 22, 2022 6:33 am
- Forum: Bonds
- Topic: IBonds over the limit - Gifting
- Replies: 9
- Views: 2157
Re: IBonds over the limit - Giting
My wife and I just gifted ourselves 20k each. No brainer, since the money will at least make 9.62 for the next few months! Technically that $40,000 doesn't make anything over the next few months because of the way the three-month "redeemed before five years" penalty comes off the beginnin...
- Sat Oct 22, 2022 6:18 am
- Forum: Cash
- Topic: Cash as an inflation hedge
- Replies: 8
- Views: 3023
Re: Cash as an inflation hedge
Personally I am laddering treasuries at 3, 6, 9 & 12 months. That has worked well, I guess, though I am (obviously) always behind the curve. Will wait a bit longer before extending those maturities. I think going anywhere out to where the yield curve begins to dip the wrong way (IIRC around the...
- Wed Oct 19, 2022 11:48 am
- Forum: Cash
- Topic: Cash as an inflation hedge
- Replies: 8
- Views: 3023
Re: Cash as an inflation hedge
This is why you should always know your expiration date.. At first glance I thought you were referring to my date of death! O0 Thanks for the detailed response and the excellent links. How much did you say your newsletter costs again? Seriously, your contributions here are super valuable and much a...
- Wed Oct 19, 2022 7:06 am
- Forum: Cash
- Topic: Cash as an inflation hedge
- Replies: 8
- Views: 3023
Re: Cash as an inflation hedge
Good article confirming Tyler’s view that cash is greatly under appreciated as an inflation hedge. : https://www.morningstar.com/articles/1099412/cash-as-an-inflation-hedge-revisited?utm_medium=referral&utm_campaign=linkshare&utm_source=link So long as it is understood this is relative. I a...
- Tue Oct 18, 2022 6:08 am
- Forum: Cash
- Topic: I-bonds from tax refund
- Replies: 37
- Views: 10435
Re: I-bonds from tax refund
> holding bonds that have a positive rate of interest above inflation (but before taxes) is probably the better deal in the long run http://tipswatch.com/2022/10/14/ignore-the-fixed-rate-drama-buy-i-bonds-in-october/ But I might prefer to gamble on a higher fixed rate, despite the odds... Thanks fo...
- Mon Oct 17, 2022 9:49 am
- Forum: Cash
- Topic: I-bonds from tax refund
- Replies: 37
- Views: 10435
Re: I-bonds from tax refund
Could I trouble you guys for some help? I just opened a Treasury Direct account. After receiving an account number, I went to the "Log In" page. However, there is no place on the "Log In" page to insert your account number or password. Instead, the page asks you to choose betwee...
- Thu Oct 13, 2022 8:17 am
- Forum: Cash
- Topic: I Bonds’s new variable rate will rise to 9.62% with the May reset
- Replies: 20
- Views: 8082
Re: I Bonds’s new variable rate will rise to 9.62% with the May reset
Forgot to mention that the SS COLA is up 8.7% according to the same TipsWatch link.