Search found 389 matches

by Bean
Fri May 08, 2015 10:56 pm
Forum: Other Discussions
Topic: Best iPhone Apps (or Android)
Replies: 55
Views: 26979

Re: Best iPhone Apps (or Android)

Attempt to list some that I don't think have been listed yet and that I use regularly iOS: Weatherunderground, blows other weather apps away Alienblue, for reddit Google voice, for my other phone number Great clips, silly, but the app check in saves a huge amount of time Sky guide, location and posi...
by Bean
Wed May 06, 2015 11:50 am
Forum: Permanent Portfolio Discussion
Topic: No where to hide
Replies: 804
Views: 302622

Re: No where to hide

Oh you mean the PP Koolaid...I see. I can't remember the exact quote, but Jack Bogle said the two highest correlated items to a good return are low costs and not changing your portfolio strategy all the time. So with that in mind, I don't think folks here are married to the PP, but I doubt there is...
by Bean
Tue May 05, 2015 11:12 pm
Forum: Permanent Portfolio Discussion
Topic: Packing for a trip, anything might happen
Replies: 12
Views: 7026

Re: Packing for a trip, anything might happend

4 kilos seems on the light side
by Bean
Tue May 05, 2015 11:39 am
Forum: Permanent Portfolio Discussion
Topic: Forum Crash...
Replies: 48
Views: 20885

Re: Forum Crash...

Thanks for the revival, I was going through withdraw.  :P
by Bean
Fri May 01, 2015 1:54 pm
Forum: Permanent Portfolio Discussion
Topic: No where to hide
Replies: 804
Views: 302622

Re: No where to hide

To be fair, it's not as if rebalancing is unique to the PP. Boglehead folk rebalance as well as take advantage of tax loss harvesting by moving between different stock and bond funds. Div growth people "rebalance" their dividends into the entirety of their portfolio or buy new stocks. Eve...
by Bean
Fri May 01, 2015 1:31 pm
Forum: Permanent Portfolio Discussion
Topic: No where to hide
Replies: 804
Views: 302622

Re: No where to hide

Portfolio envy, the bane of the Permanent Portfolio.  Just because you are seeing stocks rise, folks are forgetting a fantastic attribute to the PP that makes me feel like I am a mad investment scientist.  I always buy whatever asset is below 25% and then when it goes up, I feel like a genius gettin...
by Bean
Fri May 01, 2015 1:14 pm
Forum: Cash
Topic: New I Bond Rate - May 1, 2015
Replies: 16
Views: 11610

New I Bond Rate - May 1, 2015

Fixed Rate = 0.00%
Inflation Rate = -0.80%
Composite rate = 0.00%


:'(
by Bean
Wed Dec 31, 2014 12:09 pm
Forum: Gold
Topic: What form of physical gold to buy?
Replies: 18
Views: 11382

Re: What form of physical gold to buy?

Eagles (for local recognition) and Sovereigns (for global recognition and fractional gold) here :)
by Bean
Mon Nov 03, 2014 10:07 am
Forum: Cash
Topic: Series I Bonds: Buy before November 1st or wait?
Replies: 20
Views: 15324

Re: Series I Bonds: Buy before November 1st or wait?

I Bond Earnings Rate of 1.48% includes a Fixed Rate of 0.00%

http://www.treasurydirect.gov/news/pres ... atespr.htm
by Bean
Tue Oct 28, 2014 4:56 pm
Forum: Gold
Topic: A Soft Landing for US Debt?
Replies: 25
Views: 13088

Re: A Soft Landing for US Debt?

It seems to me that we are getting worked up about conceptual representations of wealth. We have created an artificial boogeyman called "debt" that reall only exists in our heads. This is much different from actual problems such as a shortage of water, energy, food etc. That boogeyman can...
by Bean
Mon Oct 27, 2014 2:04 pm
Forum: Other Discussions
Topic: IRS Seizes $33,000 from Small Business Owner
Replies: 1
Views: 2294

Re: IRS Seizes $33,000 from Small Business Owner

Reminds me a lot of this youtube:

Last Week Tonight with John Oliver: Civil Forfeiture (HBO)
http://youtu.be/3kEpZWGgJks?list=UU3XTz ... 0rQbuvCtTQ
by Bean
Sat Oct 18, 2014 5:15 pm
Forum: Cash
Topic: Physical Cash vs. TBills with no interest
Replies: 18
Views: 12541

Physical Cash vs. TBills with no interest

With TBills paying basically nothing or going negative, why even buy them?  Does physical cash win right now?  As of right now the only risk I see to cash on hand is theft, outside of that it is better in every way to digital money that pays nothing.
by Bean
Sat Oct 11, 2014 11:54 pm
Forum: Bonds
Topic: The Bond Dream Room
Replies: 554
Views: 366292

Re: The Bond Dream Room

Is the next question we start asking going to be are 1% 30 year rates in the cards?
by Bean
Sat Sep 27, 2014 10:09 am
Forum: Other Discussions
Topic: Budgeting & Cash-flow Controls/Strategies
Replies: 19
Views: 8471

Re: Budgeting & Cash-flow Controls/Strategies

Bean, Could you clarify the nature/reason of in/out flows to that savings account with a bit more detail? It sounds like you're pretty good at not over-spending on the credit card.  I'm assuming that is just will-power and not spending limits? Sure :) Inflows: Paychecks Bonus Interest from Mortgage...
by Bean
Fri Sep 26, 2014 3:30 pm
Forum: Gold
Topic: Silver?
Replies: 11
Views: 6394

Re: Silver?

Any suggestions on interesting numismatic silver coins, other than "mint"/"proof" style which are not very interesting. Maybe some historical coin that's largely silver composition, and doesn't cost much more than silver content (maybe 2x silver content value)? Government minted...
by Bean
Fri Sep 26, 2014 3:16 pm
Forum: Permanent Portfolio Discussion
Topic: Strategies for Compulsive Portfolio Checkers
Replies: 30
Views: 17236

Re: Strategies for Compulsive Portfolio Checkers

I have an account that I actively manage.  It seems to keep my attention and urge to tinker away from accounts dedicated to investment strategies that require no tinkering  :P
by Bean
Thu Sep 25, 2014 3:51 pm
Forum: Other Discussions
Topic: Budgeting & Cash-flow Controls/Strategies
Replies: 19
Views: 8471

Re: Budgeting & Cash-flow Controls/Strategies

I keep it very simple. 1) Income goes into a single checking account  2) The checking account is treated like a sinking fund 3) All my expenses that can go on a credit card are charged then paid off monthly 4) All my other expenses that can be automatically drafted are set up accordingly 5) Investme...
by Bean
Wed Sep 24, 2014 9:41 am
Forum: Gold
Topic: Silver?
Replies: 11
Views: 6394

Re: Silver?

All good investments should be able to achieve a few mental hurdles at or before the point of purchase.  My approach to Silver is: Objective: Speculative hedge against what is in my opinion unrestrained currency manipulation. Entry Approach: Dollar cost averaged purchasing to a set number of ounces....
by Bean
Sat Sep 20, 2014 11:25 pm
Forum: Other Discussions
Topic: Favorite camping goods
Replies: 7
Views: 3627

Re: Favorite camping goods

I have spent a lot of my life outdoors so here is my starter advice: Find an REI or equlivent outdoor store: Take classes on 10 essentials and navigation (first piece of gear is your brain) Tent - 3 season tent or 4 if you will camp while it is cold. Use an REI 3 season and get it sized for 1 more t...
by Bean
Wed Aug 06, 2014 8:28 am
Forum: Gold
Topic: Buying Physical Gold
Replies: 11
Views: 8044

Re: Buying Physical Gold

With a (current) 50-1 ratio of silver to gold, 800 oz of silver is 16 oz of gold.  Imagine buying 3-4 gold coins 4 times, and then buying a house with the 16 coins that very comfortably fit in your pocket. This thought process is one of the reasons that folks think any reversion to the historical m...
by Bean
Tue Aug 05, 2014 8:53 pm
Forum: Gold
Topic: Buying Physical Gold
Replies: 11
Views: 8044

Re: Buying Physical Gold

1) How much should I buy?  Let's assume for the sake of discussion I have a 100k portfolio.  If I buy 5% in physical gold that's only 3 or 4 gold coins.  It hardly seems worthwhile.  But let's say at some point my portfolio is 1M.  Then 5% would be 50K which at current prices would be about 40 gold...
by Bean
Sat Jul 12, 2014 7:01 pm
Forum: Permanent Portfolio Discussion
Topic: Terrific Graphic
Replies: 35
Views: 18218

Re: Terrific Graphic

Thanks Tyler, graphs like this stop my itch to tinker.
by Bean
Tue Jul 08, 2014 10:58 pm
Forum: Other Discussions
Topic: Welcome to the Everything Boom, or Maybe the Everything Bubble
Replies: 5
Views: 4351

Re: Welcome to the Everything Boom, or Maybe the Everything Bubble

I knew a German woman who was a child in Germany during the Allied bombing raids.  She said whenever the alerts would sound, her mom would always take her to the basement with three things:  a Bible, an umbrella and a bottle of peach schnaps.  ... Mountaineer I'm down with the Bible and schnapps, b...
by Bean
Wed Jun 18, 2014 11:40 am
Forum: Other Discussions
Topic: PP Crowdsource: What's the Best Major?
Replies: 10
Views: 3330

Re: PP Crowdsource: What's the Best Major?

Like Pointed said, depends on what you mean by best.  Here are my opinions being young and in management (on my efforts, no family network help). Law or Medical: Best per hour Pay Finance (going into I-Banking or Private Equity): Highest earning potential, insane hours Engineering (I would go nano):...
by Bean
Wed May 14, 2014 12:58 pm
Forum: Other Discussions
Topic: Academic study: America is an oligarchy
Replies: 33
Views: 8544

Re: Academic study: America is an oligarchy

I have always thought America is basically a Feudalism state, that is enforced by debt and inflation.  Of course, I also read all sorts of studies that America has the highest mobility between economic classes of any country in the world. Perception doesn't always equal reality, I guess. Where did ...