No offense, but willfully sacrificing growth in any significant portion of your portfolio is not a good strategy. Giving up 1-5 years liquidity to make zero return worsens that. Being happy to do so is like saying "Thank you sir! May I have another?" as you get paddled. Remember, if you hold for...
No liquidity for one year.
Lose 3 months interest if redeemed before 5 years.
0% fixed rate when all other interest rates skyrocketing.
Interest earned just keeps pace with inflation. It may sound great, but that's only because inflation is historically high. At this rate, you put a dollar in...
Do you have an opinion of your own? Or do you just blindly follow others with no analysis of your own? Do you believe everything you read? If so, why not believe me? If not, why not? I don't make my living writing blogs? Do you have any thoughts on the idea I promoted in my post?
I don't care what you or anyone else says. Using discounted dollars to pay a fixed debt protects against inflation. Protection = hedge. Therefore a mortgage is an inflation hedge.
Your argument is a distinction with no difference and seems to be more about semantics than the strategy. I let it...
The money that we might have used to pay cash is in a taxable account where it provides liquidity if needed. We also have IRA and Roth accts but the IRA is taxable and we want the Roths to go to our heirs. Without the taxable acct we wouldn't have a liquid account besides savings just in case...
That lawn is cut too short. I just accidentally found that same image, ironically in an article entitled "Cutting Grass Too Short: The Most Common Mowing Mistake" In that article, he says: "Most family lawns look beautiful when they’re between 3cm – 6cm high." which is equivalent to 1.2" to 2.4"...
I use a push reel mower with rollers which does leave stripes but they are hard to see unless you are far above the lawn. The picture shown in post #1 of this thread is from a height. When looking at ballfields or racetracks, the cameras are at a height. If you're walking or driving by, you...
Don't get hung up on the names. They've never been stock- they've included safety mods, performance mods and were lightened pretty much from day 1. Indy cars race at other places besides Indy. IMSA includes prototypes which are mass produced. Funny cars aren't funny. And exactly what is Formula...
There is a formula e series featuring open wheel electric cars. When it first started, batteries didn't have the range, so they would swap entire cars! Now one car and it's batteries can go the distance but conservation is needed. There are some big name racers in the series. I tried to watch it...
$10,000 ---> $29,000 over 21 years, with interest compounded semi-annually (as I-Bonds are) is 5.1% annual interest. Not bad, but not great. There are many other investments which would have returned multiples of that over the same period, albeit with somewhat higher risk. Given 0% fixed rate...
They assure your money will keep pace with inflation, at least inflation as determined by the government. But with purchase limits and liquidity restrictions, they are not a screaming good deal. Remember, the fixed rate component is zero. How long will it be before the Treasury raises the fixed...