Great Safe Withdrawal Rate Debate
Consumption Smoothing
Behavioral Finance Insights -- Actually PassionSaving.com is new to me, and seems to be highly worthwhile.
---------------------
I'm still working out ideas in my head about what to save for when there are more goals than money. Still torn between snapping up precious metals funds, TIPS, or just cash.
If you ever had some disposable income, and an arm's length of goals to save for, how many at a time did you choose, and how did you allocate $ for each? For instance, if you had $5000 and eight items, did you rank and prioritize the eight and fund imaginary or real accounts in descending quantities like Goal #1 gets $1000, Goal #2 has $750, Goal #3 500 and so forth; or did you give them equal amounts to begin with, or did you supply the goal with the nearest end date with the largest amount of money?
--------------------
Why can't I get the notion out of my head that only renters and people who have over 60% equity in their fixed-rate mortgages, or a paid-off home will be the least scathed with the housing bubble?
Gee, only a 72% YOY increase in Notice of Trustee Sales in our county from 04/1/2006 to 4/10/2006 and 04/1/2007 to 04/10/2007.
Over the past 6 months: 11.7% increase from same term in 2005-2006.
Over the past 3 months: 12.7% increase from 2006.
Over the past 30 days: 35% increase from 2006.
-------------------
Consumption Smoothing
Behavioral Finance Insights -- Actually PassionSaving.com is new to me, and seems to be highly worthwhile.
---------------------
I'm still working out ideas in my head about what to save for when there are more goals than money. Still torn between snapping up precious metals funds, TIPS, or just cash.
If you ever had some disposable income, and an arm's length of goals to save for, how many at a time did you choose, and how did you allocate $ for each? For instance, if you had $5000 and eight items, did you rank and prioritize the eight and fund imaginary or real accounts in descending quantities like Goal #1 gets $1000, Goal #2 has $750, Goal #3 500 and so forth; or did you give them equal amounts to begin with, or did you supply the goal with the nearest end date with the largest amount of money?
--------------------
Why can't I get the notion out of my head that only renters and people who have over 60% equity in their fixed-rate mortgages, or a paid-off home will be the least scathed with the housing bubble?
Gee, only a 72% YOY increase in Notice of Trustee Sales in our county from 04/1/2006 to 4/10/2006 and 04/1/2007 to 04/10/2007.
Over the past 6 months: 11.7% increase from same term in 2005-2006.
Over the past 3 months: 12.7% increase from 2006.
Over the past 30 days: 35% increase from 2006.
-------------------
April 11th, 2007 at 02:30 pm 1176301818
But damn those are some scary numbers.
As for your first question I go round and round and round - no answers. Good luck.