David

David

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Posts by David

November 2006 Savings Bond Rates

18 years ago
in
The new fixed rate for I-Bonds is 1.4%. Since the EE bonds went to fixed rates (3.6% currently) and since the real rates on I-bonds have fallen substantially below those on TIPs (which are over 2.5% for the 5 year TIPs), the attractiveness of these tools is much reduced. Which is too bad. They [...]

Predicting Elections

18 years ago
in
In case you haven’t noticed, elections are next week (which always provide good reasons to laugh or cry :-). Here are some nice sites that give you the market based odds of Republicans retaining control of the house and [...]

Dead Funds Suck Life from Investors’ Returns

18 years ago
in
Paul Farrell reminds us about the effects of survivorship bias “Out of 2,071 equity funds, over one-third (725) were killed off between 1962 and 1995. Dig the vampires out of the graves and the average category returns sink 1.3% below their indexes.”

Online Monte Carlo Retirement Planner

18 years ago
in
Check out the best free online Monte Carlo simulation I’ve seen.  It is even better than some commercial simulators I’ve used. It allows you to put in individual cash flows and allows a variety of spending policies (e.g., Guyton style). For example, it can support not receiving inflation bumps [...]

Inflation Boogeyman

18 years ago
in
Happy Halloween! Today I have a collection of items concerning inflation (one of the boogeymen for retirees). This article examines CPI across the world. It discusses the differences in the basket of goods used in different countries and how consumers in developing nations change their purchasing [...]

2007 monthly premiums for Medicare Part B

18 years ago
in
Starting January 1, 2007, Part B Premiums will be Based on Your Income (Details) You Pay If Your Yearly Income is Single Married Couple $93.50 $80,000 or less $160,000 or less $105.80 $80,001-$100,000 $160,001-$200,000 $124.40 [...]

Philanthropic Travel — Exquisite Safaris

18 years ago
in
Exquisite Safaris is a private touring company that combines exotic travel with philanthropy.  With the average water well costing less than $1,000, this can be a fun introduction to philanthropy for people who have the travel bug.

Don Tharpe Named Interim CEO of CFP Board

18 years ago
in
The CFP Board has chosen another political animal (i.e., no industry experience) to steer the ship while looking for a permanent replacement. That does not make me very hopeful that the mark will head towards more client centered fiduciary waters. It also looks like they are going to take until [...]

Hackers Zero In on Online Stock Accounts

18 years ago
in
The Washington Post has an article about how hackers have started specifically attacking brokerage accounts to use in pump and dump schemes. To protect yourself avoid accessing important accounts from public kiosks. Also anti-spyware has become the must have addition to your computer security [...]

IRS Announces Pension Plan Limitations for 2007

18 years ago
in
The IRS has announced the new pension limits for 2007. Elective deferrals go up to $15,500 ($20,500 catch up) Defined contribution limits go up to $45,000 It does not include limits for IRAs which remain at $4,000 ($5,000 catch up) for 2007.  Here is a table of all pension plan limits For a table [...]
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