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  1. IndependentlyPoor

    The Specter of Global Deflation

    Scary article about the possibility of deflation from an surprising source. AEI - The Rising Threat of Deflation Some quotes: "By later this year, persistent excess capacity will probably create actual deflation in the United States and Europe. Moreover, the recent appreciation of the...
  2. IndependentlyPoor

    Inflation adjusted, effective income tax rates

    I was bored, so I decided to plot out the effective income tax rates for several years. Been wanting to do this for a long time. All dollars in constant 2010 dollars. Whether one is in favor of it or not, tax rates have certainly become less progressive. As Ziggy has pointed out, this does not...
  3. IndependentlyPoor

    Andy Grove advocates protectionism and more

    I don't know what to make of this. Thoughts? How to Make an American Job Before It's Too Late: Andy Grove - Bloomberg
  4. IndependentlyPoor

    iPhone 4

    Gonna get one? Seriously, these folks need to get a life. MacDailyNews - Photos and videos of iPhone 4 lines around the world - send us yours! Why aren't they at work paying for my social security?
  5. IndependentlyPoor

    Remember those car warranty calls?

    Score one for the good guys FTC bombs massive robocall operation | NetworkWorld.com Community
  6. IndependentlyPoor

    What DVDs have you seen recently?

    It seems to me that we have entered some sort of golden age for movie lovers. What with IMDb and NetFlix, we can find and view movies and television shows from almost the entire span of their existence. So is it time for a DVD thread similar to the book thread, or has this been done before?
  7. IndependentlyPoor

    Memorial Day

    Some other websites have started "Who are you remembering on Memorial Day?" sections, and I think it a nice tribute. This album includes folks I think of on Memorial Day. Early Retirement & Financial Independence Community - IndependentlyPoor's Album: WWII photos
  8. IndependentlyPoor

    Condo purchase advice

    It looks like we are going to have to move out of our tiny, funky, aerie-on-the-alley (recently sold and new owners unlikely to want strangers living in their back yard) so we are thinking about buying a condo. One of the new downtown towers recently reduced it prices 20%, from...
  9. IndependentlyPoor

    The national debt, GDP, and politics

    I suspect that we all worry about the national debt. It is easy to imagine it ruining our retirement plans. It is also very satisfying to blame it on the "other side". This chart, via one of my favs, Barry Ritholtz, sheds some interesting data on the argument.
  10. IndependentlyPoor

    USAA phishing

    A friend of mine uses some of his ER free time to help track down web scams for the OpenDNS folks. This site was recently shut down, then popped up again at a different ISP. See anything wrong with this page (other than the Phishtank logo)? I don't either. Be Careful!
  11. IndependentlyPoor

    Interesting Chart

    Here is an interesting chart I hadn't seen before from: The Big Picture
  12. IndependentlyPoor

    Poll: What percentage tax did you pay?

    I was shocked at what a small percentage of my total income my 2009 income tax was. I had lots of medical deductions, so maybe I am an outlier. Anyway, I thought a poll might be interesting. Calculate the percentage you paid in income tax by taking 100 times your total tax (line 60 on form...
  13. IndependentlyPoor

    Correlation and volatility reduction

    Warning: Long and Geeky I have been interested in "modern portfolio theory" for some time. Basically, it is the something-for-nothing aspect of reducing a portfolio's volatility be combining funds with negative correlations that intrigues me. While there is nothing wrong with combining a money...
  14. IndependentlyPoor

    Historical risk/return of two-fund Vanguard portfolios

    More Geeky stuff, long. Sorry :blush:. The main idea of "modern portfolio theory" seems to be that a combination of uncorrelated assets can produce a portfolio with lower volatility than any of the member assets. It is not hard to put together some two-fund portfolios to see how this has...
  15. IndependentlyPoor

    Vanguard Efficient Frontier

    Well, I've been at it again. The chart below shows return of Vanguard funds vs their volatility. It is kinda/sorta shows the efficient frontier for these funds. The data points are color coded by Vanguard's fund categories. Here is a look at the indexed vs. actively managed funds Here is a...
  16. IndependentlyPoor

    Vanguard correlation matrix

    I know that this risks putting me on many folk's "ignore user" list, but this forum just hasn't been nerdy enough lately. So if anybody is interested, here is a correlation matrix of all of Vanguard's mutual funds (at least those that are available through the data server I am using). Some...
  17. IndependentlyPoor

    More Bach, but fun really, give it a try!

    My last Bach posting was an overwhelming flop. But this one is fun. Trust me. YouTube - Bach duo
  18. IndependentlyPoor

    Tables in posts

    I recently spent some time rummaging around trying to figure out how to use the table formatting option. There might be an explanation somewhere, but I couldn't find it. So here's how: Arrange your text one line per row with the "|" character separating the columns. The first line will be the...
  19. IndependentlyPoor

    Market Cap as a percentage of GDP

    Back in the tech. bubble days, I had this chart posted in my office (in the R&D center of a chip maker mega-corp). Think of what is says. The Market Cap. is the value of all big businesses in the U.S. The GDP is the value of what they (and the small guys) produce. You would think that it would...
  20. IndependentlyPoor

    How did you react to the crisis?

    My apologies if this is a repeat of an older thread. I won't be offended if the moderators delete it. We had to get out of the furnished house we were renting in January (the owner was returning from overseas). Ours portfolio balance was pitiful, and things looked just scary enough that I...
  21. IndependentlyPoor

    Federal MMF insurance ends today.

    Today the Treasury's temporary money market insurance ends. Anybody worried? money-funds-lose-a-safety-net.html: Personal Finance News from Yahoo! Finance
  22. IndependentlyPoor

    Finally, the IRS does something I like

    I don't think of myself as one who resents the rich... some day I'd like to be IndependentlyRich instead of IndependentlyPoor, but folks (especially rich folks) who evade their taxes really cork my pistol. Good article in Bloomberg about this. Be sure to check out the graphics tab also. UBS Tax...
  23. IndependentlyPoor

    Bach and Shepard's scale

    A musician friend forwarded me this and it is just delightful You might enjoy this visual representation of Bach's "crab cannon" from the Musical Offering, showing various theme representations as they are heard: forward, backward (retrograde), inverted and up-side-down-backwards (retrograde...
  24. IndependentlyPoor

    Oops. IRS quarterly payments were due 9/15

    If you are FIREd you likely make quarterly I.R.S. payments. If you are like me it slips your mind. :blush:
  25. IndependentlyPoor

    Green technology

    Volkswagon wowed the Frankfurt auto show with two new ecologically minded vehicles. Their 170 mpg diesel hybrid concept VW Says L1 Hybrid Is ‘Most Efficient’ Car in the World - Wheels Blog - NYTimes.com And their real-live electric car VW E-Up: Small, Electric … and Happy - Wheels Blog -...
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