Are you familiar with the efficient frontier? More on this in a minute. First, let’s talk about risk. One of the more helpful exercises in understanding your own risk tolerance is imagining how you will react if your stock portfolio declines by 30% or so. You can do a historical review of how you reacted in times when markets took a beating. How did you feel? And how did you react? Where you are in your stage of life is crucial, too. If you’re soon to be retired or newly retired, this is most likely uncharted water for you in terms of stock investing and your emotions. When you no longer … [Read more...]
SAVE TIL IT HURTS: Beware “Money Dysmorphia”
You may have read the stories of Your Survival Guy's "Save Til It Hurts Hall of Famers," Ronald Read, Geoffrey Holt, and Terry Kahn. These men put frugality and wealth building ahead of ostentatious spending and piled up millions of dollars. Now, CNBC's Jessica Dickler reports on a syndrome that appears to be the opposite of saving til it hurts, "money dysmorphia." In the old days, it was called spending more than you could afford. Today, it's spreading, according to Dickler, and it's especially driven by young adults who see what appears to be wealth on social media and then attempt to "keep … [Read more...]
They’ll Tell You Inflation is “Under Control”
When you hear that inflation is under control, all you need to do is sink your teeth into Your Survival Guy’s food inflation chart to get the real story. You and I know that government knows no limits when it comes to spending your money. It will create dollars out of thin air because it can, and expect you to absorb the devaluation of your own hard earned currency. You and I don’t have the luxury of a printing press in the basement, and we need to live our lives with fiscal responsibility. There’s a word worth repeating. Responsibility. It is up to you to take control of your … [Read more...]
Once Again, the Market Is Surprised by Price Inflation
For the second month in a row, inflation came in above the market's estimates. Bloomberg's Augusta Saraiva reports: Underlying US inflation topped forecasts for a second month in February as prices jumped for used cars, air travel and clothes, reinforcing the Federal Reserve’s cautious approach to cutting interest rates. The so-called core consumer price index, which excludes food and energy costs, increased 0.4% from January, according to government data out Tuesday. From a year ago, it advanced 3.8%. Economists see the core gauge as a better indicator of underlying inflation than … [Read more...]
Managing Your 401(k) Can Feel Like Time Standing Still
When Your Survival Guy graduated from Babson College in 1994, I got right to work. Right to work traveling, that is. I hit the road that summer, backpacking through Europe beginning with a trip to a Greek isle to visit a fraternity brother at his family’s summer place. That went so well that when I got home, I decided to be a ski instructor for the winter. Then, finally, I made my parents proud, and I got a “real” job at Fidelity Investments. That was March ’95. What’s the rush? One of my tasks at Fidelity Investments was to jump on the phones when call volume was high. The other part of my … [Read more...]
“My Effin’ Life,” by Geddy Lee of the Band Rush
Your Survival Guy’s been reading “My Effin’ Life,” by Geddy Lee of the band Rush. To understand Lee, one needs to know where he came from: the suburbs of Toronto, Canada, a child of holocaust surviving parents. His father died when Lee was only 12, and as such, Lee knew about loss at a young age. His mother, grief-stricken, made it hard for Lee to realize his own pain from the loss of his dad. When Lee looks back, writing “My Effin’ Life” at age 69, he realizes he, too, was a survivor and not just a quiet kid. He was determined. He had calloused fingers from playing, he was hardened … [Read more...]
What’s the Right Amount to Invest in Stocks?
Your Survival Guy has witnessed it all when it comes to investing. I’ve written to you about the top 10 investing mistakes to avoid and the top 10 investing habits of the fairly wealthy (see below). I’ve told you how I see investors get overweight in stocks like it’s an all-you-can-eat buffet. Then they switch to a strict diet of cash, selling out at the bottom of a bear market, never to get back in. It’s why I don’t try to time the market, nor do I advise it for you because you need to be right twice: when to sell and when to rebuy. Avoid the problem altogether. Don’t get greedy. … [Read more...]
Amazon’s Nuclear Powered Data Center
Michelle Lewis of Electrek reports that Amazon just bought a 100% nuclear-powered data center to secure power for future growth. She writes: One of the US’s largest nuclear power plants will directly power cloud service provider Amazon Web Services’ new data center. Power provider Talen Energy sold its data center campus, Cumulus Data Assets, to Amazon Web Services for $650 million. Amazon will develop an up to 960-megawatt (MW) data center at the Salem Township site in Luzerne County, Pennsylvania. The 1,200-acre campus is directly powered by an adjacent 2.5 gigawatt (GW) nuclear power … [Read more...]
“Survival Guy, How Much Should I Invest in Stocks?”
“How much should I invest in stocks?” It’s a good question. One you might be thinking about. Sure, when you’re working, it’s easy to invest in stocks because you have a paycheck to lean on like a crutch. But what if you’re retired with no paycheck, living on a fixed income? Investing in stocks can be downright scary. The good news is stocks have historically been good inflation fighters. But how much to invest? You’ve seen the brutal corrections so far this century. And chances are there will be more. “So, Survival Guy, how much do we invest in stocks?” When speaking with … [Read more...]
Skunk Works Rolls Out An Engineering Marvel
Lockheed Martin Skunk Works rolled out the X-59 in hopes it would set a standard for supersonic flight on the commercial level. The X-59, also known as the "Son of Concord," looks to break the supersonic ban set by the federal government fifty years ago for non-military aircraft over land. Read the full press release below: Lockheed Martin Skunk Works® rolled out the X-59, a unique experimental aircraft designed to quiet the sonic boom, at a ceremony in Palmdale, California. The ceremony marked a significant milestone in Lockheed Martin's and NASA's decades-long journey to solve one of the … [Read more...]
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