Search found 41 matches

by 4x4
Sat Sep 19, 2015 6:57 pm
Forum: Stocks
Topic: Is there a broad stock market index fund that doesn't pay dividends?
Replies: 27
Views: 20803

Re: Is there a broad stock market index fund that doesn't pay dividends?

So is there a group consensus on specific funds that would be superior to VTI? And if so, superior in what way/for what reason?
Thank you
by 4x4
Sun Aug 30, 2015 1:58 am
Forum: Permanent Portfolio Discussion
Topic: PSA: I now have a 3-year period with no gains
Replies: 275
Views: 103065

Re: PSA: I now have a 3-year period with no gains

Are you confusing the role of the PP w that of the VP? Why not keep money you can't lose in the PP and allocate that which is more discretionary to a VP? Because i am not a sheep of HB. Well whether you are a sheep, goat, or donkey, I have no idea... However, you seem to be a bit confused about som...
by 4x4
Sat Aug 29, 2015 8:58 pm
Forum: Permanent Portfolio Discussion
Topic: PSA: I now have a 3-year period with no gains
Replies: 275
Views: 103065

Re: PSA: I now have a 3-year period with no gains

Are you confusing the role of the PP w that of the VP?

Why not keep money you can't lose in the PP and allocate that which is more discretionary to a VP?
by 4x4
Sat Aug 15, 2015 9:30 pm
Forum: Other Discussions
Topic: What are your favorite online news sources?
Replies: 53
Views: 25641

Re: What are your favorite online news sources?

Seems to me all main stream news sources are biased, leaning to some degree on various topics.  An insightful exercise is to note which organization one feels is not (or the least) biased.  The bias of that organization tends to match one's personal bias imho.
by 4x4
Sat Aug 15, 2015 9:03 pm
Forum: Variable Portfolio Discussion
Topic: What do you think of Doug Casey? Is he legit?
Replies: 8
Views: 7366

Re: What do you think of Doug Casey? Is he legit?

Investing in his Argentina project seems as advisable as investing in the d'Anconia Copper Mines.
by 4x4
Sun Jun 07, 2015 7:36 pm
Forum: Permanent Portfolio Discussion
Topic: No where to hide
Replies: 804
Views: 296840

Re: No where to hide

What economic state are we in? Prosperity?  Recession?  Inflation?  Deflation? deflation Ding, Ding, Ding, we have a winner imho. I think without the manipulation of markets through interest rates, this would be painfully obvious to all.  This central planning that adjusting interest rates to move ...
by 4x4
Thu Jun 04, 2015 8:05 am
Forum: Permanent Portfolio Discussion
Topic: PP for retirement in a comparative context
Replies: 12
Views: 7739

Re: PP for retirement in a comparative context

There was an edit, that was easily missed and rather relevant... "If you've been following this update for the past several years, you'll notice that the Harry Browne portfolio has fallen to the middle of the pack. A spreadsheet error greatly exaggerated the Harry Browne portfolio performance for th...
by 4x4
Thu Jun 04, 2015 7:36 am
Forum: Variable Portfolio Discussion
Topic: Gold Junior Miners (GDXJ)
Replies: 8
Views: 5309

Re: Gold Junior Miners (GDXJ)

[align=center][img width=800]http://i59.tinypic.com/255l1nd.png[/img][/align] I think there is a good potential for a nice play in here some where for a VP.  I would be curious how this graph would look with the trend lines starting from the point just below the first red arrow?  It seems the more ...
by 4x4
Wed Jun 03, 2015 2:40 am
Forum: Permanent Portfolio Discussion
Topic: Forum Crash...
Replies: 48
Views: 20585

Re: Forum Crash...

Timing of forum crashes is suspicious.  Anyone have a chart? This cracked me up! I am willing to donate my 0.02, don't go with any shared hosting. As mentioned above they are often oversold.  Even when not, if only one of the people sharing gets a significant increase in traffic your site will also...
by 4x4
Thu Feb 19, 2015 12:08 am
Forum: Bonds
Topic: Student Loans as Bond Distribution
Replies: 32
Views: 16013

Re: Student Loans as Bond Distribution

Just noticed this thread.  I'm gonna have to take the same position I do with paying down mortgage debt. 1) The REAL problem is people taking this debt on without properly calculating its benefit to them.  It either makes strategic sense to take on marginal debt for a marginal benefit, or it does n...
by 4x4
Wed Feb 18, 2015 11:57 pm
Forum: Gold
Topic: Adaptive gold allocation rule
Replies: 55
Views: 25670

Re: Adaptive gold allocation rule

OINK OINK!
by 4x4
Wed Feb 18, 2015 10:54 am
Forum: Bonds
Topic: Student Loans as Bond Distribution
Replies: 32
Views: 16013

Re: Student Loans as Bond Distribution

LMAO  For a moment I thought you were implying my posts were so irrational as to be influenced by drugs :)
Interesting progression, I like the idea of including a -1 for those not all here :)
by 4x4
Wed Feb 18, 2015 10:28 am
Forum: Bonds
Topic: Student Loans as Bond Distribution
Replies: 32
Views: 16013

Re: Student Loans as Bond Distribution

@ PS I agree debt is the devil in finance.  Hate it, might not be providing enough details to make this apparent online... @TenPaGa I can understand your reasoning, w real estate I have been holding off for years for all of those reasons, there is a tax consideration w/ real estate that factors in t...
by 4x4
Wed Feb 18, 2015 8:59 am
Forum: Gold
Topic: Adaptive gold allocation rule
Replies: 55
Views: 25670

Re: Adaptive gold allocation rule

I understand your sentiment completely. I myself have been "unexcited" about the long bond position for some time. To play the advocate, I must admit many market turns, and subsequent effect on $, Stocks, Long Bonds or Gold, were not necessarily predictable by myself at least.  I think this hang up ...
by 4x4
Wed Feb 18, 2015 4:07 am
Forum: Permanent Portfolio Discussion
Topic: Harry Browne/Ray Dalio
Replies: 5
Views: 3519

Re: Harry Browne/Ray Dalio

From Wikipedia "The fund is reported to contain: 30% Stocks (for instance, the S&P 500 or other indexes for further diversification in this basket) 15% Intermediate Term Treasuries IEF (7- to 10-year Treasuries) 40% Long Term Treaasuries TLT [20- to 25-year Treasuries] 7.5% Gold IAU 7.5% Commodities...
by 4x4
Wed Feb 18, 2015 3:43 am
Forum: Permanent Portfolio Discussion
Topic: Harry Browne/Ray Dalio
Replies: 5
Views: 3519

Re: Harry Browne/Ray Dalio

I wondered about the relationship after a friend sent me one of his papers, which I am not finding now.  He called his "The All Weather Portfolio" as per the below quote.  The paper quoted even has a nice 4x4 graphic square... :) "The All Weather approach exploits these reliable relationships by hol...
by 4x4
Wed Feb 18, 2015 1:44 am
Forum: Bonds
Topic: Student Loans as Bond Distribution
Replies: 32
Views: 16013

Re: Student Loans as Bond Distribution

Question to the group, excess $ would you recommend allocated to

1. Paying off student loans with interest rate at 2.6%?

Or

2. Contributing to a PP in a taxable account?
(Assume Retirements maxed)

Or

3. Take on more debt to Buy home/condo/place to live?
by 4x4
Wed Feb 18, 2015 1:17 am
Forum: Gold
Topic: Adaptive gold allocation rule
Replies: 55
Views: 25670

Re: Adaptive gold allocation rule

Xan's comment was spot on.  At this point, I think its time for a brief excerpt from Fail-Safe Investing by Harry Browne.  I've edited the text for brevity, keeping the original meaning. Rule #6:  Don't Expect a Trading System to Make You Rich If someone were to tell you he'd discovered a foolproof...
by 4x4
Thu Feb 12, 2015 1:24 am
Forum: Permanent Portfolio Discussion
Topic: Contributing - Rebalancing Timing?
Replies: 9
Views: 5996

Re: Contributing - Rebalancing Timing?

@Sophie  :) I've already had some PP holdings for some time, just added another account.  In the set up phase, it was tempting to rotate purchases, i.e. make a purchase of one of the four assets that seemed to be down, then one of the remaining three next month, etc.  I was lucky to be 100% stocks 2...
by 4x4
Sat Feb 07, 2015 6:39 pm
Forum: Permanent Portfolio Discussion
Topic: 4x4 ETF Suggestions for a Fidelity or Etrade Account?
Replies: 9
Views: 6790

Re: 4x4 ETF Suggestions for a Fidelity or Etrade Account?

No need to sell under 30 days.
My reading of the verbiage was that is would encore a selling fee of $0.03 per $1,000 value sold at any time.  However, I think I made a decimal point error when calculating the impact on a trade, thanks for correcting me!
by 4x4
Sat Feb 07, 2015 4:27 pm
Forum: Bonds
Topic: Student Loans as Bond Distribution
Replies: 32
Views: 16013

Re: Student Loans as Bond Distribution

Good for your Uncle!  Medicine is changing, the financial situation of the future physicians will be markedly different than the past imho, with Obama care, the rise of Advance Practice Nurses, Physicians Assistants, etc. PS (Is it heresy to post a BH link :) http://www.bogleheads.org/wiki/Paying_do...
by 4x4
Sat Feb 07, 2015 3:52 pm
Forum: Bonds
Topic: Student Loans as Bond Distribution
Replies: 32
Views: 16013

Re: Student Loans as Bond Distribution

Thank you for all the replies.  I don't think the situation is as unusual as it might seem, I talked with a medical student recently who claimed to be borrowing nearly 100k PER YEAR!  I don't know how this could be, but I would believe they are borrowing over 50k easy as many schools tuition approac...
by 4x4
Sat Feb 07, 2015 3:12 pm
Forum: Permanent Portfolio Discussion
Topic: 4x4 ETF Suggestions for a Fidelity or Etrade Account?
Replies: 9
Views: 6790

Re: 4x4 ETF Suggestions for a Fidelity or Etrade Account?

Ozzy, Thanks for your response, say Hi to Sharon for me :) I use Fidelity, 3 of the 4 fund can be bought commission free: ITOT total stock market TLT bonds IAU gold SHY cash I read the fine print, as below, "Free commission offer applies to online purchases of Fidelity ETFs and select iShares ETFs i...
by 4x4
Sat Feb 07, 2015 2:12 pm
Forum: Bonds
Topic: Student Loans as Bond Distribution
Replies: 32
Views: 16013

Re: Student Loans as Bond Distribution

Thank you for your input PS! I was proposing a concept of student loans in relation to bonds for- Current Students - paying tuition instead of buying bonds, probably unlikely People who have graduated and still in repayment, those w 100-300k in student debt (professional degrees), contributing extra...
by 4x4
Sat Feb 07, 2015 1:34 pm
Forum: Bonds
Topic: Student Loans as Bond Distribution
Replies: 32
Views: 16013

Student Loans as Bond Distribution

If one were in the building, accumulation phase of life to middle age, what might the group consensus be toward devoting 25% towards paying student loans instead of buying bonds / LTL?  Obviously the student loans won't appreciate like a bond will with decreased interest rates to allow the portfolio...