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by vnatale
Mon Feb 17, 2020 3:36 pm
Forum: Permanent Portfolio Discussion
Topic: Best resource for PP backtesting?
Replies: 17
Views: 13723

Re: Best resource for PP backtesting?

PeaktoTrough.com still works fine for me. But if you're looking for other sources, Portfolio Charts has Permanent Portfolio data going back to 1970. Still works fine for you? As others subsequently posted it seems to have turned into a defunct site. And, today I cannot get anywhere with it. Vinny
by vnatale
Mon Feb 17, 2020 3:31 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 235
Views: 81344

Re: PP vs Dividend Growth Investing

Another difference in assumptions may be that I assume all companies will eventually wind down and stop operating. And in the housing example, I assumed the house fell over after 50 years. If you follow my example down to the end, then the company winds down and distributes everything that's left a...
by vnatale
Mon Feb 17, 2020 3:19 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 235
Views: 81344

Re: PP vs Dividend Growth Investing

Another difference in assumptions may be that I assume all companies will eventually wind down and stop operating. And in the housing example, I assumed the house fell over after 50 years. If you follow my example down to the end, then the company winds down and distributes everything that's left a...
by vnatale
Mon Feb 17, 2020 2:37 pm
Forum: Bonds
Topic: Fidelity Bond and Bill Direct Purchase ?'s
Replies: 30
Views: 23506

Re: Fidelity Bond and Bill Direct Purchase ?'s

Yeah I think I'm going to work on building a monthly ladder of 1 year bills, but start off with 12k (4k per week) in 4 week bills on auto-roll while I'm building the 1 year bill ladder out. It will be a few years I'm sure before I have accumulated enough in 1 year bills laddered out every month. On...
by vnatale
Mon Feb 17, 2020 2:14 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 235
Views: 81344

Re: PP vs Dividend Growth Investing

May I just say that I really appreciate Vinny asking for clarification on a point, as opposed to Mathjak just saying it's silly and then going off on yet another non-sequitur. Vinny, I tried to illustrate this point in an earlier post. https://www.gyroscopicinvesting.com/forum/viewtopic.php?f=2&...
by vnatale
Mon Feb 17, 2020 1:17 pm
Forum: Bonds
Topic: vanguard vs fidelity
Replies: 28
Views: 27026

Re: vanguard vs fidelity

Tax simplification: yet another reason to buy I bonds! With I bonds, you get 30 years of tax deferral outside the increasing complications of an IRA. And that means no RMDs after age 70 ½. Besides that, in a rising interest rate environment a ladder of I bonds is the best guaranteed protection agai...
by vnatale
Mon Feb 17, 2020 12:29 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 235
Views: 81344

Re: PP vs Dividend Growth Investing

InsuranceGuy, I'm not sure what you're saying on how swapping around cash and shares for the same shares is not a zero-sum game. Are you considering realized gains, or just theoretical gains? I'm not saying anything about gains, only that earnings for investors are created regardless of distributio...
by vnatale
Sun Feb 16, 2020 9:40 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 235
Views: 81344

Re: PP vs Dividend Growth Investing

Some really excellent points, Xan. I couldn't have said it better myself. While we are on the topic of Buffett and dividends, it may be worth mentioning that in his 1992 shareholder letter, he advocated a particular method of stock valuation created by John Burr Williams in his book The Theory of I...
by vnatale
Sun Feb 16, 2020 4:47 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 235
Views: 81344

Re: PP vs Dividend Growth Investing

Markets trade on fear greed and perception of future GROWTH in the real world not formulas ....the markets and growth stocks speak for themselves as they create wealth for their shareholders dividends or not..in the real world a forced withdrawal by the company of my own invested dollars which is w...
by vnatale
Sun Feb 16, 2020 3:27 pm
Forum: Other Discussions
Topic: H&R Block Tax Software now available
Replies: 32
Views: 15350

Re: H&R Block Tax Software now available

Honestly, both of these systems create so many problems in the name of preventing you from filling out forms directly. They've essentially tried to build a language layer on top of the tax forms, so instead of learning to understand the forms you have to learn the Turbotax (or HRB) language. prime ...
by vnatale
Fri Feb 14, 2020 7:10 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 235
Views: 81344

Re: PP vs Dividend Growth Investing

You're only up because someone else is down. The investors as a whole have made zero from owning the stock. Intuitively I think that I'm with Mathjak on this one. Let me see if I can successfully spell it out. There is one public company. You are its sole owner. When it was started it had $1,000 in...
by vnatale
Fri Feb 14, 2020 2:45 pm
Forum: Stocks
Topic: PP vs Dividend Growth Investing
Replies: 235
Views: 81344

Re: PP vs Dividend Growth Investing

Tremendous amount of confirmation/selection bias there. Regardless, the only point of being in business is to pay the owners a dividend. Everything else is smoke & mirrors. The "only"? Professional sports teams are businesses and I have a sense for many of them that the increase in th...
by vnatale
Wed Feb 12, 2020 10:13 am
Forum: Other Discussions
Topic: H&R Block Tax Software now available
Replies: 32
Views: 15350

Re: H&R Block Tax Software now available

I ran through my initial 2019 tax return using H&R. I like it's simplicity and GUI over TurboTax. However, I was quite surprised at the lack of internal/software tax guidance and background for various issues as compared to TT. It seems to me they would really like you to have to go see an H&am...
by vnatale
Fri Feb 07, 2020 7:49 pm
Forum: Bonds
Topic: Treasury Bond Basic Quetions - TreasuryDirect
Replies: 13
Views: 11731

Re: Treasury Bond Basic Quetions - TreasuryDirect

- Also someone posted recently that there is a concern for the treasurydirect website security vulnerabilities. Are there anything specific concerns or i s it just that the site looks like it was created in in 1985. This is the 3rd or 4th time I've read this post. But each tme I do the above line c...
by vnatale
Fri Feb 07, 2020 6:53 pm
Forum: Bonds
Topic: FNBGX vs. individual bonds at Fidelity
Replies: 21
Views: 17789

Re: FNBGX vs. individual bonds at Fidelity

I like buying LLTs directly, but I also own the ETF “TLT” (ER = 0.15%) in a smaller tax deferred account. FNBX (ER = 0.03%) looks dirt cheap in comparison to TLT, now that Fidelity slashed the ER in line with their current advertising program. That said, there is nothing that I know of that prevent...
by vnatale
Fri Feb 07, 2020 6:40 pm
Forum: Bonds
Topic: Fidelity Bond and Bill Direct Purchase ?'s
Replies: 30
Views: 23506

Re: Fidelity Bond and Bill Direct Purchase ?'s

You may want to investigate your 401k plan provider to see if they offer a brokerage window. If so, it would give you more options that would bring you closer to a pure STT/LTT barbell. For those whose access to retirement plans is through your employer, does your employer offer or not offer a brok...
by vnatale
Fri Feb 07, 2020 6:20 pm
Forum: Bonds
Topic: Bond Ladders
Replies: 3
Views: 4935

Re: Bond Ladders

I don’t see this discussed a lot on the board and it is a remarkably effective way to deal with rising interest rates. If one fishes around on the page there is a good description of what happens to bonds as they go through their maturity cycle. You should understand it. Of particular note check ou...
by vnatale
Fri Feb 07, 2020 11:51 am
Forum: Other Discussions
Topic: Health insurance
Replies: 36
Views: 17133

Re: Gold's Time To Shine?

an important note: when it comes to medicare there can be a huge difference in your treatment allowed between not for profit gov't medicare vs a for profit insurer in an advantage plan as your gate keeper ... those cheaper advantage plans are only good until they aren't . If you choose Advantage, k...
by vnatale
Wed Feb 05, 2020 7:35 pm
Forum: Politics
Topic: The Left is Eating Itself Pt. II
Replies: 850
Views: 465716

Re: The Left is Eating Itself Pt. II

Students hate Trump State of the Union quotes...until hearing they're from 2020 Dems LOL, hypocrites! That is BRILLIANT. Also shows the effects of the media's relentless brainwashing. If you REALLY listen to the things that Trump says (instead of what someone says he said, and then what that someon...
by vnatale
Sun Feb 02, 2020 11:55 am
Forum: Cash
Topic: Do T-Bills Keep Up with Inflation?
Replies: 30
Views: 21256

Re: Do T-Bills Keep Up with Inflation?

Recently I checked on the inflation rate for the first time in a long time: 2.3%, higher than I'd imagined. I was only paying attention to interest rates for the past few years. I'm pretty sure MachineGhost once said something about t-bills keeping up with inflation. He may not have. Let's say one-...
by vnatale
Sat Feb 01, 2020 10:50 pm
Forum: Other Discussions
Topic: Figuring Out Religion
Replies: 4052
Views: 1448831

Re: Figuring Out Religion

Doodle, how do you know God didn't direct them? Just because something has no proof doesn't mean you shouldn't believe in it. :) They realize they've been mentally abused into thinking their creator made them a horible creature worthy only of a lake of fire and gave them natural instincts they are ...
by vnatale
Sat Feb 01, 2020 9:11 pm
Forum: Cash
Topic: Treasury money markets and Turbotax
Replies: 5
Views: 4523

Re: Treasury money markets and Turbotax

Yes I found all that...my question was how you actually enter this info on tax forms. I guess you just total it up, enter it somewhere on the tax forms with no need to "show your work" so to speak? I use H&R Block tax software and on the 1099-DIV input form there is a box for the % of...
by vnatale
Sat Feb 01, 2020 7:01 pm
Forum: Cash
Topic: Treasury money markets and Turbotax
Replies: 5
Views: 4523

Re: Treasury money markets and Turbotax

Sorry if this has been answered somewhere else, but this is driving me nuts... Both Vanguard and Fidelity are reporting Treasury MM interest as "ordinary dividends", but does not specify the amount that's US Treasury interest. For FDLXX and VUSXX this is should be just about 100% of the &...
by vnatale
Fri Jan 31, 2020 1:42 pm
Forum: Stocks
Topic: Stock scream room
Replies: 1438
Views: 661944

Re: Stock scream room

warren has tried to buy some private companies with that money but it did not go through . tech data was one . he is on the hunt to buy but he has not found what he is looking for . don't forget he buys a lot of private companies we can't and they are uneffected in price by market drops since they ...
by vnatale
Fri Jan 31, 2020 12:23 pm
Forum: Other Discussions
Topic: phpBB?
Replies: 2
Views: 976

Re: phpBB?

Is phpBB the provider of this forum that we use? Now that I've been using it a lot I have a high appreciation for it as a user. I don't know how difficult it was to see up or to keep it going. But from a user's perspective I like the way that it works. VInny phpBB is software written by a group of ...