My mistake, not what intended to type. I'm not trying to compare to MM, just trying to figure out why my calculation for annual return is so much more than the published data.

I personally take the pandemic seriously, but has anyone noticed MSNBC has become a 24/7 perma-bear on the subject? No other topics discussed. Only Covid. I routinely surf through the broadcasts for fun to see what the BS du jour is, and it's always the Covid bad news, mostly blamed on the actions ...

I personally take the pandemic seriously, but has anyone noticed MSNBC has become a 24/7 perma-bear on the subject? No other topics discussed. Only Covid. I routinely surf through the broadcasts for fun to see what the BS du jour is, and it's always the Covid bad news, mostly blamed on the actions o...

PenFed is not a bad outfit by any means, but the real question is how liquid those CDs will be during the next financial crisis. What is the penalty for breaking them? Kind of a moot (or mute as they say on the interweb) point for me as they mature in January. The reason I bought them 10 years ago ...

The SEC yield for a bond fund is calculated by annualizing its daily income distributions for the previous 7 days but quoted as a 30 day yield. However, there is something I am missing. If I take last month's dollar dividend payment in my VGIT account and multiply it by 12, then divide by the curren...

I've got some 5 year treasuries maturing soon and I'm considering 1 year CD's at 1%. I just can't see near 0% in treasuries for cash purposes.

I've also got some 5% PenFed 10 year CD's maturing next year. Never dreamed I'd go that far out when I purchsed, but it sure paid off.

EC0220A0-422A-4333-93EA-A6847884F9F2.gif Please, please, please post this in the Knuckleheads forum. ;D Done. :) Well Tortoise, you must have posted the gif and got yesterday's good gold thread locked! It was great. There were a bunch of posts that presented well spoken, logical, factual reasons fo...

Not to be naive, but I always wonder if these companies are openly supporting these liberal causes because they actually believe in them, fear a loss of revenue if they don't, or both? I guess it really doesn't matter to me personally because I always make a mental note and do business elsewhere. I...

Not to be naive, but I always wonder if these companies are openly supporting these liberal causes because they actually believe in them, fear a loss of revenue if they don't, or both? I guess it really doesn't matter to me personally because I always make a mental note and do business elsewhere.

On a related note... Goodbye, Washington DC. https://humanevents.com/2020/07/23/goodbye-washington-dc/ One of the better pieces I've read lately. Great read. Having lived in a relatively small Southwestern town all my life, I can't even begin to relate to what he has experienced. I've only visited ...

I was reading an article this morning about how a wedding at a San Francisco Catholic church was broken up by city officials, after the participants tried to avoid detection by entering the church through an underground parking garage. The city got word of the wedding somehow and went so far as to ...

Had to choose either Mid Cap Growth (which I did) or Mid Cap Value on Portfolio Visualizer since they don't offer MCB. Interesting results (constrained to 1978 onwards due to Long Term Treasury availability): https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&tim...

This product is not classified as toxic by established criteria. It is an aspiration hazard. Just don't breath your silicone tray and you will be OK. The oral LD50 indicates WD40 is less toxic than table salt. That’s great news! And bad- not knowing that it was going to spurt out of the can instead...

This product is not classified as toxic by established criteria. It is an aspiration hazard. Just don't breath your silicone tray and you will be OK. The oral LD50 indicates WD40 is less toxic than table salt. That’s great news! And bad- not knowing that it was going to spurt out of the can instead...

The Knuckleheads are anti-LTT as well? Huh. What’s their main reason — because a diversified total bond market fund is supposedly safer, or because Treasury bonds tend to have the lowest yield? most think in terms of total bond funds which have little lifting power in a flight to safety I agree! Af...

Reminds me of our local TV station that frequently broadcasts Crime Stoppers crime reenactments. A convenience store robber viewed the "reenactment" of his crime and assumed they had caught him on store cameras while committing the crime. He turned himself in................

It seems that about every three days there is a "should I own gold" thread on that forum. It's like going on a firearms forum and asking "should I turn my guns in to the government". Bless their hearts, they mean well but it's the same old answers over and over. I remember the lo...

Seen on the Bogleheads forum. Too good not to share. ;D "Are bonds worth it?" "yes of course you have to be diversified!" "Are negative yielding bonds worth it?" "yes, for the diversification value. Yield is not so important." "Is gold worth it?" &q...

Xan:

After looking further I think you are right. 28% is max and if you are in a lower marginal tax bracket than that, you are taxed at your ordinary income rate based on "last dollar of earnings". thanks. This is why I use a CPA. Tax talk makes my eyes glaze over.

It's definitely crazy and happening here in Canada for sure. Heck, it's worse than markup, as most dealers are actually just sold out. I figure a decent stopgap measure is to put the money you have earmarked for physical gold into an ETF until your local dealer has supply. At least that way you get...

It's definitely crazy and happening here in Canada for sure. Heck, it's worse than markup, as most dealers are actually just sold out. I figure a decent stopgap measure is to put the money you have earmarked for physical gold into an ETF until your local dealer has supply. At least that way you get...

Suppose someone showed interest in starting a PP today, and asked your advice. Certainly the equity and cash positions are not an issue at this time. Equities are certainly volatilie right now, but that is always an issue. LTT's are experiencing the highest price in 20 years. Appears they have very ...

from my experience with millennial's - over hearing their conversations- i lean towards thinking that they are not likely right about anything, any attempt at communication so peppered with the word "LIKE" that it renders the thought expressed incomprehensible, is probably not clear think...

ETF's were exactly what I was thinking. I've watched firearms go through this same cycle based on current events, and eventually things calm down and prices revert to norm. Is GLD still the ETF of choice? There's a firearm ETF? Wow, that sounds great! With the volatility in that market, it may be a...

ETF's were exactly what I was thinking. I've watched firearms go through this same cycle based on current events, and eventually things calm down and prices revert to norm.

Is GLD still the ETF of choice?