Search found 750 matches

by whatchamacallit
Tue Oct 18, 2022 6:06 am
Forum: Other Discussions
Topic: Best Cash Back Credit Card
Replies: 22
Views: 4067

Re: Best Cash Back Credit Card

https://www.citi.com/credit-cards/citi-custom-cash-credit-card Earn 5% cash back on your highest eligible spend category each billing cycle up to $500 spent and 1% cash back thereafter on all other purchases. My plan is to use for only grocery stores. $500 is almost exactly what I spend a month at g...
by whatchamacallit
Mon Oct 17, 2022 12:01 pm
Forum: Other Discussions
Topic: Best Cash Back Credit Card
Replies: 22
Views: 4067

Re: Best Cash Back Credit Card

This was the reminder I needed to sign up for citi custom cash.

Now I will just need to downgrade my Amex to get rid of annual fee.
by whatchamacallit
Thu Oct 13, 2022 10:00 pm
Forum: Cash
Topic: Savebetter looks interesting
Replies: 5
Views: 1682

Re: Savebetter looks interesting

I think I first heard of save better from his channel as well. The ability to get competitive rates from different banks all in one account and also no penalty CDs does sound appealing. It seems like they can get better rates than an individual could due to volume but would be worth lower rate for t...
by whatchamacallit
Fri Oct 07, 2022 2:53 pm
Forum: Bonds
Topic: When is it time to load up on bonds.
Replies: 40
Views: 33647

Re: When is it time to load up on bonds.

Macrovoices podcast guest argument for global depression that takes rates back to zero.

https://www.macrovoices.com/1119-macrov ... lies-ahead
by whatchamacallit
Fri Oct 07, 2022 9:40 am
Forum: Other Discussions
Topic: Linux, continued
Replies: 44
Views: 10739

Re: Linux, continued

I used to say Linux would never be mainstream.

Then came Android and Chromebook. That is mostly all I use now.

I love the idea of being able to compile all your own software but it was never practical for me.

https://www.linuxfromscratch.org/
by whatchamacallit
Fri Oct 07, 2022 9:22 am
Forum: Bonds
Topic: When is it time to load up on bonds.
Replies: 40
Views: 33647

Re: When is it time to load up on bonds.

I used to think I would back up the truck if bonds got to 5%. 20 years are around 4.2% now. https://www.investing.com/rates-bonds/usa-government-bonds?desktop=1 Standard permanent portfolio looking better and better but with the low end of the curve paying just as much I don't think I would want to ...
by whatchamacallit
Tue Oct 04, 2022 10:40 am
Forum: Gold
Topic: What's going on with silver?
Replies: 211
Views: 166873

Re: What's going on with silver?

If I am reading this right, SLV is up 15% in 5 days.

Crazy volatile.
by whatchamacallit
Sat Oct 01, 2022 4:06 pm
Forum: Bonds
Topic: TBills as "the best horse at the glue factory?"
Replies: 93
Views: 11876

Re: TBills as "the best horse at the glue factory?"

Corto I would also say .25% of yield is worth one more month duration for me.

Also my experience is a CD wouldn't be as liquid if you did want sell early. The spread on selling CD would eat into profits.
by whatchamacallit
Sat Oct 01, 2022 2:46 pm
Forum: Bonds
Topic: TBills as "the best horse at the glue factory?"
Replies: 93
Views: 11876

Re: TBills as "the best horse at the glue factory?"

Thanks Jalanlong.

I wasn't aware of CLTL and it looks especially nice.

Effective Duration 0.39 yrs
Expense Ratio 0.08%
SEC 30 Day Yield 2.93%
by whatchamacallit
Sat Oct 01, 2022 1:52 pm
Forum: Bonds
Topic: TBills as "the best horse at the glue factory?"
Replies: 93
Views: 11876

Re: TBills as "the best horse at the glue factory?"

Speaking of treasury bill funds. Here are some good options I have come across that may help some: SGOV https://www.ishares.com/us/products/314116/ishares-0-3-month-treasury-bond-etf Expense Ratio: 0.05% Effective Duration: 0.10 yrs 30 Day SEC Yield: 2.42% VUSXX https://investor.vanguard.com/investm...
by whatchamacallit
Thu Sep 29, 2022 10:30 pm
Forum: Politics
Topic: Mask wearing / Returning shopping carts
Replies: 19
Views: 2730

Re: Mask wearing / Returning shopping carts

I am starting to wonder if the two most common answers would be 1 and 4 for whatever reason. Interesting psychological experiment.
by whatchamacallit
Thu Sep 29, 2022 10:24 pm
Forum: Politics
Topic: Mask wearing / Returning shopping carts
Replies: 19
Views: 2730

Re: Mask wearing / Returning shopping carts

I see, so your thought pattern is that some people actually believe that not returning a cart is better for society than returning it. I will have to examine this the next time I see it to see if I can find sympathy with their "good deed". I actually go one step further than just returning them, I m...
by whatchamacallit
Thu Sep 29, 2022 9:45 pm
Forum: Politics
Topic: Mask wearing / Returning shopping carts
Replies: 19
Views: 2730

Re: Mask wearing / Returning shopping carts

The problem here is that some people think being forced to wear a mask is good for society and some people think it is bad for society. I assume most people would agree that returning a shopping cart is good for society but if there were tyrannical shopping cart nazis forcing me to push it a certain...
by whatchamacallit
Thu Sep 29, 2022 9:28 pm
Forum: Variable Portfolio Discussion
Topic: 75% stocks and 25% gold
Replies: 16
Views: 3325

Re: 75% stocks and 25% gold

btw, How do you plan to transition from the PP to 65/35? Would you want to sell bonds now they have dropped so much in price? I didn't have any long bonds and plan to keep current cash allocations in place. My stock/gold ratio was already at 2:1 due to dabbling in golden butterfly portfolio. Really...
by whatchamacallit
Wed Sep 28, 2022 8:41 pm
Forum: Variable Portfolio Discussion
Topic: 75% stocks and 25% gold
Replies: 16
Views: 3325

Re: 75% stocks and 25% gold

I know Hal has posted before: By Request Mixes of Stocks, Bonds, and Gold belangp https://www.youtube.com/watch?v=LA2Yr6NoZyA Spoiler: The sweet spot was 65% stocks, 35% gold That is how I have decided to fund retirement accounts going forward and save in cash outside of retirement. It also makes it...
by whatchamacallit
Wed Sep 28, 2022 3:14 pm
Forum: Bonds
Topic: TBills as "the best horse at the glue factory?"
Replies: 93
Views: 11876

Re: TBills as "the best horse at the glue factory?"

Speaking of Fidelity.

I just transferred funds from a savings account to take advantage of these juicy bills. It showed up in fidelity and exited savings account the next day but for some reason there was a hold for a week.

I was a bit surprised. Maybe just a fluke.
by whatchamacallit
Tue Sep 27, 2022 6:51 pm
Forum: Permanent Portfolio Discussion
Topic: Dollar Milkshake Brent Johnson throwing nod to Permanent Portfolio
Replies: 12
Views: 3901

Re: Dollar Milkshake Brent Johnson throwing nod to Permanent Portfolio

Yeah I hear he does say real estate instead of long bonds. Probably not a bad portfolio either.

At 42:45 Dan Ferris brings up Terry Coxon and Harry Browne though. It was cool to hear in something I wasn't expecting to hear about it in.
by whatchamacallit
Sun Sep 25, 2022 9:19 pm
Forum: Other Discussions
Topic: $250 investment for a 19 year old?
Replies: 27
Views: 3685

Re: $250 investment for a 19 year old?

19 year old in college? Best investment is increasing their human capital. So it should go to paying for college before anything else.
by whatchamacallit
Thu Sep 15, 2022 9:31 pm
Forum: Cash
Topic: Does DXY show dollar increasing in value?
Replies: 7
Views: 2732

Re: Does DXY show dollar increasing in value?

I came across this insight from 2020 describing the dollar shortage that we appear to be living through now.

https://www.dlacalle.com/en/despite-mas ... more-10668
by whatchamacallit
Thu Sep 15, 2022 11:33 am
Forum: Gold
Topic: Gold will rise when Fed stops raising interest rates?
Replies: 54
Views: 18446

Re: Gold will rise when Fed stops raising interest rates?

I can sympathize with a 50/50 stock and cash portfolio as a chicken little investor. I have contemplated that exact holding in the past. I did give up on long term treasuries when I realized yields we're not worth the risk. Maybe someday they will look worth it again. I also hate gold but history is...
by whatchamacallit
Thu Sep 15, 2022 10:04 am
Forum: Gold
Topic: Gold will rise when Fed stops raising interest rates?
Replies: 54
Views: 18446

Re: Gold will rise when Fed stops raising interest rates?

buddtholomew wrote:
Thu Sep 15, 2022 9:58 am
fucking idiots
Gave me a laugh at least.

What is your recommended portfolio allocation?
by whatchamacallit
Wed Sep 14, 2022 11:10 pm
Forum: Gold
Topic: Gold will rise when Fed stops raising interest rates?
Replies: 54
Views: 18446

Re: Gold will rise when Fed stops raising interest rates?

Back on topic a bit more I found chart showing dxy vs gold price.

https://www.macrotrends.net/1335/dollar ... -ten-years

I guess good answer would be gold should go up when dxy goes back down as long as stocks are not what is going up. Sounds like a gyroscope.
by whatchamacallit
Wed Sep 14, 2022 10:52 pm
Forum: Gold
Topic: Gold will rise when Fed stops raising interest rates?
Replies: 54
Views: 18446

Re: Gold will rise when Fed stops raising interest rates?

I have become a big believer in the belangp portfolio. It has allowed me to mostly autopilot my contributions with very little thought. Automatic company retirement plan gets about 33% into large cap index fund. Roth ira then is split 50/50 between gold and stock to add another 66 %. To keep it in b...
by whatchamacallit
Tue Sep 06, 2022 5:08 pm
Forum: Stocks
Topic: Buy and Hold Stock Millionaires
Replies: 31
Views: 9736

Re: Buy and Hold Stock Millionaires

I can see what you are saying with trying to mimic the whole market requiring a change. If a new company goes public and is added to the index then there would be no other option but to sell at least a little bit of the smaller sized companies to make room for the new company. It would seem this wou...