David

David

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Posts by David

Frugality trumps Earnings and Investments in Retirement Preparation

17 years ago
in
A recent paper looked at how earnings (e.g., salary level), investment acumen, or propensity to save contributed toward retirement readiness. The abstract states: “very little of this dispersion can be explained by chance differences in individual circumstances largely outside the control of [...]

Waiting for Bubbles to Burst

17 years ago
in
John Maudlin has republished two papers this week. The second one is a recent essay by Jeremy Grantham (which you can also find on his GMO website (registration required). The title of Grantham’s piece is “It’s Everywhere, In Everything: The First Truly Global Bubble (Observations following a [...]

High Yield Checking at Schwab

17 years ago
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Charles Schwab has a new high yield checking account according for Fortune.

Bankrupting the Future

17 years ago
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Econbrowser provides a quick peek at how underfunded local governments are with respect to their promised pensions and health benefits.  The scary part is this is during a bull market.  During the next recession these numbers are going to get much worse.  It wouldn’t surpise me if we see a number [...]

Study Says Private Equity Underperforms S&P 500

17 years ago
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With the private equity hype machine ratcheting up these days, here is a timely paper analyzing private equity performance. The punchline is that on average private equity has been under performing the S&P 500 by more than an annualized 3%. Abstract: This literature review covers the issues faced [...]

Rent Comparison Service

17 years ago
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In the same way that Zillow and Trulia help you see real estate prices in an area, Rentometer helps you see rental prices in an area.  Lauren Kim of the Wall Street Journal talks about the pros and cons of Rentometers approach.

Beware of Equity Indexed Annuitys

17 years ago
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Scott Burns writes about a study on equity indexed annuities (warning PDF). Here is his summary “…the study estimates that “between 15 percent and 20 percent of the premium paid by investors in equity-indexed annuities is a transfer of wealth from unsophisticated investors to insurance companies [...]

Most Successful Investors not Motivated by Money

17 years ago
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William Bernstein writes about how the most successful investors are ones which are not focused on financial success. Two nuggets from the piece. Three things provide long-lasting satisfaction, as quantitatively measured by academic psychologists: autonomy meaningful contact with others the [...]

Roth IRA Contrarian View

17 years ago
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Lawrence Starr has been hitting the press with his viewpoint that Roth 401Ks are a bad idea for most people. I’m not as big a pessimist as he is because I believe in tax regime diversification. Since most people have much more money in their tax deferred savings than in their tax free savings, I [...]

Your First Budget

17 years ago
in
Erin Burt walks through a typical budget for someone graduating from college and starting there first job.  First she shows the taxes that come out of your paycheck.  Here is an example for a $35K/yr job. Monthly gross pay $2,917 ($35,000 divided by 12 months) Federal taxes $331 Social [...]
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