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  1. fluffy

    Puzzling weight gain

    This is normal and good. You're losing fat and gaining muscle. Don't worry aobut becoming too Arnold-like -- this process will stop sooner or later and your weight and physique will stabilize. At that point you could decide whether you want to lose more fat/weight, which would require some diet...
  2. fluffy

    Making money with your credit cards

    If you are an organized person, stoozing is not risky at all. You have a few weeks to make your payments, whether online or by mail, and the ability to easily verify online that the payment credited correctly. It just takes a little organization and can yield a few thousand dollars per year with...
  3. fluffy

    Personal Trainer

    As a part-time personal trainer, I would advise skipping expensive sessions and instead taking some time to educate yourself on the basics of exercise and nutrition. As with investing, it's VERY possible to DIY and get results that match or exceed that of professionals :)
  4. fluffy

    Why haven't int'l mutual funds benefited from USD decline?

    What haha said. If you look at world indices, most of them have been beaten down worse than the US. Taking end of Oct '07 as the peak, they've declined, roughly: Britain: 6700 -> 5700, 15% Germany: 8000 -> 6500, 19% France: 5850 -> 4700, 20% Japan: 16700 -> 12500, 25% Australia: 6800 -> 5400...
  5. fluffy

    Embarassing credit card slip-up

    Thanks, 2Cor, I'll make sure to read through your FWF thread. I managed around $5K/yr last couple of years but having doubts about this year. Will check out your experience, thanks again
  6. fluffy

    Embarassing credit card slip-up

    Speaking of stoozing... I just paid back the remaining balances on my last round and deciding whether it's worth doing another one now. From what I read banks are clamping down on 0% offers/LOC transfers and falling interest rates don't help either. Any recent experience/advice? TIA.
  7. fluffy

    New energy policy for America.

    I'll chime in too... In addition to other non-fossil fuel technologies already mentioned, solar (especially solar thermal) should be emphasized. Just doing a back of the envelope number crunching using Arizona to become 'Persian Gulf' of solar energy - CNN.com as the example: The $1B solar...
  8. fluffy

    Market P/E ?

    Thanks for the replies. I know there's no one "true" P/E but I guess I expected all sources to use the same TTM data resulting in very similar values for what are essentially equivalent funds. Using "official" index data makes sense. S&P shows 12/31/2007 P/E of 18.68 for S&P 500(...
  9. fluffy

    Market P/E ?

    How do you find out the "true" market or index P/E ? :confused: For example, Yahoo Finance currently shows the following: iShares S&P 500 Index (IVV): 13.62 P/E SPDRs (SPY): 14.28 P/E Vanguard Large Cap ETF (VV): 15.82 P/E To add to confusion, going by ETF's providers websites: iShares S&P 500...
  10. fluffy

    "Terminator: The Sarah Connor Chronicles -Thumbs Up or Down?

    I keep watching it only to diss it the following day discussing with friends. Worst episode ever.
  11. fluffy

    oil peaked?

    I think they're both assertions in that case. After all, the size of any new discovery is an estimate just like a revision in the size of an existing field is an estimate. I agree that none of these numbers are 100% reliable, but I would go with data from an established authority (USGS) over...
  12. fluffy

    oil peaked?

    As per USGS "growth of oil reserves in previously discovered fields exceeded new-field discoveries as a source of global additions to reserves of conventional oil by a factor of about 3 to 1" and total world oil reserves grew by 240B barrels between 1996-2003...
  13. fluffy

    Post your cute cat pics here

    Henry and Lola. Two years later they're still happily retired.
  14. fluffy

    Anyone own Gold/Sliver Bullion Bars?

    I would imagine your local gold/silver exchange business would be a good place. I sold a gold bullion coin (a South African Krugerrand that we happened to have) recently and got almost 99% of the spot price. I would imagine you'd pay similarly low premium when buying. And I was just selling a...
  15. fluffy

    Article: Worth $4 Million -- and Unable to Retire

    mMoronic article
  16. fluffy

    Greenspan/Bernanke tag team imperil ER...

    What else would you expect from a chicken little website? The more of these I see the better I feel about economy.
  17. fluffy

    $75/month food budget

    We're at about $75/week for two (not counting occasional eating out which is ignored for the purposes of this exercise). As mentioned before, some of the healthiest food choices are actually quite cheap per calorie -- oats, beans and lentils, brown rice, olive oil. In addition go with whatever...
  18. fluffy

    Green / Socially Responsible Mutual Fund

    "So, Lone Star, now you see that evil will always triumph because good is dumb." VICEX: Summary for VICE FUND - Yahoo! Finance
  19. fluffy

    international allocation between europe and pacific

    If anyone's interested you can find market cap data for individual exchanges/countries at http://www.world-exchanges.org/WFE/home.asp?action=document&menu=10
  20. fluffy

    7% SWR? No problem! Just a few caveats...

    The problem, as Nords mentioned, is the fairly short backtest period. There's plenty of AAs one could find in 1972-2005 that are probably even better than this. For example, as I posted before: 60% 2-year Treasuries, 10% SCV, 10% REIT, 20% Emerging resulted in 12.08% CAGR with just 8.04% St...
  21. fluffy

    Do you share or tell anyone about your ER dream???

    I've told my family and friends and some colleagues at work and most people are supportive or, at worst, indifferent. I don't really bring up the topic unless I'm sure the person I'm talking to dislikes his/her job (and not afraid to say so). But since I and most of my friends are in IT that's...
  22. fluffy

    Where to find P/E history for various styles/sectors?

    Thanks, Les. NAREIT data has dividend yield history which should closely reflect P/E (right?) and that shows current ~5% yield vs. historic average over 8%. Though specifically mortgage REITs (ETF: REM) yield is probably close to 14% now vs. 11% historic average. I couldn't find valuation...
  23. fluffy

    Where to find P/E history for various styles/sectors?

    Anybody know of a (preferably free) source of info on historic P/E ratios (or other valuation metrics) for different segments of the market? E.g. Small Cap Value, Emerging, REIT, etc... The longer the history the better. I found lots of bits and pieces of info on the web, but nothing close to a...
  24. fluffy

    Never done it before...its time...

    My understanding is that FXI and other Chinese funds available to US investors are made up of stocks traded in Hong Kong (^HSI: Summary for HANG SENG INDEX - Yahoo! Finance), not in Shanghai. Hong Kong is not nearly as overvalued as Shanghai -- FXI P/E is around 20. I'm not sure it's such a...
  25. fluffy

    No Politics

    You do realize that turning your back on politics just plays into neocon hands, right?! :uglystupid: Sorry, couldn't resist... I actually completely agree with the OP...
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