You have read about the massive power needs of data centers for AI and cryptocurrencies. Places with cheap power, like Texas, are experiencing a "gold rush" as data centers are built there to take advantage of the resources. This is how Your Survival Guy likes to invest in AI and cryptocurrencies. In The Wall Street Journal, Peter Landers explains the future of powering data centers and what that means for the grid, writing: Chip-design company Arm ARM -0.62%decrease; red down pointing triangle made its name by devising ways to minimize smartphones’ power consumption and extend battery life. … [Read more...]
“I Got Five Candy Bars for a Nickel”
Are you in control of Your Retirement Life? In my conversations with you, you tell me you are in control and then some. You tell me you’re looking forward to getting away to places far and wide, from Disney to New Zealand and on cruises in between. Nice. You know Your Survival Guy’s a big proponent of spending money. Yes, live within your means, but please, you gotta live. If you’re a member of my Survive and Thrive Club, you know Your Survival Guy is looking forward to an Atlantic crossing on the Queen Mary 2. It ain’t free, and inflation is alive and well, but as my mom reminds me, “I … [Read more...]
Super States Filled with Super Cities
No surprises here in The Wall Street Journal, as Angel Au-Yeung and Tom Corrigan explain that Salt Lake City was the top job market in 2023, with cities in Your Survival Guy Super States dominating the Top 10. Look for Seattle to drop as it continues to become more progressive. Just follow the money or Jeff Bezos (Miami, anyone?). They write: Follow the mountains and sunshine for the best job markets in America. Salt Lake City was the country’s hottest job market in 2023, followed by three cities in Florida: Jacksonville, Orlando and Tampa. Miami also made the top 10, making Florida the … [Read more...]
Take a Picture of Your Grocery Receipt
If you want to see what inflation looks like, take a picture of your grocery store receipt and check back in a few months. In The Wall Street Journal, Bob Henderson explains how risks in commodity markets around the world could put pressure on prices here in the U.S. Inflation is too much money chasing too few goods. The Federal Reserve has printed the money, and if the amount of goods gets cut, it'll get even worse. He writes: A surge in prices for the raw materials that power manufacturing and transportation shows investors betting on a prolonged expansion—and a potential rebound in … [Read more...]
Clean Up Your Bond Clutter, Contact Your Survival Guy
You know from recent posts how Your Survival Guy feels about too much power in too few hands. What I’m talking about is when the big three fund companies, BlackRock, State Street, and Vanguard, with their immense size, vote your shares with their politics. There was a time when indexing in stocks made sense. But what we have today is so much money chasing the same stuff. It’s like frogs in a pot. Too much consolidation of money with both stocks and bonds. When it comes to your bond money, I like a bond ladder where you control the height or length of it with differing maturities and … [Read more...]
How Effective Are Bond Ladders?
I don’t want to bore you with the details of academic studies, but it turns out that bond ladders work. Don’t take my word for it, Derek Horstmeyer, professor of finance at Costello College of Business, George Mason University, discusses his latest research in The Wall Street Journal, writing: As the Federal Reserve has signaled it will begin to cut interest rates this year, risk-averse investors have been turning to one bond strategy that works well when short-term rates are lower than long term: bond laddering. Bond laddering is an investing technique that involves buying Treasury bonds … [Read more...]
Get Around 5% on Fidelity’s Treasury Money Market
If you like getting close to 5% on your money markets, then check out Fidelity’s Treasury Money Market. Remember, even if the Fed cuts rates, it may take a while, and you might be surprised at how it unfolds. Farah Elbahrawy reports for Bloomberg: Investors are still flocking to cash funds, and Bank of America Corp. strategists say history suggests redemptions won’t begin until a year after the Federal Reserve starts cutting interest rates. Money-market fund flows rose in anticipation of the first cut over the past five rate reduction cycles, before inflows slowed meaningfully when the … [Read more...]
“I Can’t Afford to Lose Any More Money,” They Say
As you know from here, here, and here, your investment success may hinge more on how you invest rather than what you invest in. My efficient frontier (EF) series gets to the heart of this. It's a tool for looking back at the risk/reward relationship between stocks and bonds. What it helps to illustrate is that there can be more risk in having all your eggs in one basket. Easy to understand. Hard to do. The key to the EF for you is less about understanding stocks and bonds and more about you understanding you. What is your risk tolerance? What can you handle? I can tell you from experience … [Read more...]
Fight Inflation in the Grocery Store with This
It’s not every day you see shoppers whistling through the store with a cart full of gold. But looking at inflation today, isn’t that the best way to fight it? I think so. Forget bitcoin, get yourself some yellow metal, and become an inflation fighter. Katherine Hamilton discusses shoppers buying gold bars at Costco in The Wall Street Journal, writing: Craig Beauregard and Julia Edwards were at Costco COST -0.11%decrease; red down pointing triangle shopping for groceries in December when they spotted a deal that was too good to pass up: a one-ounce bar of gold. Beauregard, 33 years old, … [Read more...]
Want to Get Away?
Nothing like an April snowstorm to get one dreaming about boating. After a big Nor'Easter, power outages have left hundreds of thousands in New Hampshire and Maine in the dark. Phil Tenser reports for WCVB: The nor'easter brought widespread power outages to New Hampshire and Maine, and officials say that some customers could be in the dark for days. As of midday Thursday, Central Main Power reported about 330,000 customers without power. That represents about half of all CMP customers. The total number of outages in Maine is significantly more than the ice storm that knocked out power … [Read more...]
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