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FIRECalc: A different kind of retirement calculator

FIRECalc: A different kind of retirement calculator
Related:  Economics

How To [Read/Tip Off] Zero Hedge Without Attracting The Interest Of [Human Resources/The Treasury/Black Helicopters] It seems prudent to make some suggestions about contacting the Zero Hedge team.1. Don't email us directly from work. Somewhere out there, there is a log with your address and ours on it. If your employer is likely to peruse such things (pretty much guaranteed if you work at a financial institution) you might be in for a bit of scrutiny. 2. If you must email from work, after being sure you aren't violating your employer's network usage policies, use a good webmail provider that allows SSL encrypted browsing. Yes, we want to hear from you yesterday. Before Maria Stengart resigned and sued Loving Care, her employer, she e-mailed her lawyer through her personal web-based account from her company-issued computer with Loving Care’s Internet access. If this isn't enough, remember that if you are using your employer's hardware you have no idea what sort of snooping services they have installed for you. 4. We like PGP and have taken great pains to make it easy to email us securely. 5. 6. Finally,

This Week In Petroleum Released: April 9, 2014 Next Release: April 16, 2014 Gasoline prices expected to average $3.57 per gallon during summer 2014 In the April 2014 Short-Term Energy Outlook (STEO), EIA projects that regular-grade gasoline retail prices will average $3.57 per gallon (gal) during the current summer (April through September) driving season, similar to the $3.58/gal average of summer 2013. After rising into May, the retail price is expected to fall through the remainder of the summer because both crude oil prices and gasoline crack spreads (the difference between wholesale product price and the price of crude oil) decline. On April 7, the national average regular-grade gasoline retail price stood at $3.60/gal. Retail prices are expected to gradually decline after May to an average of $3.46/gal in September. The market's expectation of uncertainty in monthly average gasoline prices is reflected in the pricing and implied volatility of futures and options contracts.

free information for the serious investor Gustavus Myers, History of the Great American Fortunes, part 3, vol 3, ch 8 “Great is Mr. Morgan’s power, greater in some respects even than that of President or kings,” wrote a seasoned British observer some years ago 1 which fact, patent to even the casual onlooker, easily passes uncontradicted. Who, indeed, can gainsay its truth ? Above all forms of law and functionaries of office, above the highest representative bodies and tribunals, above enactments and Constitutions, supreme above eighty-five millions of American people, this one man towers with a hold and grasp of power as tremendous as it is portentous. And what has awarded him this mighty power ? Has it come by vote or wish of the people or by some incongruous provision of Governmental machinery ? Nay, none of these things are responsible for it ; despite them all it has come about, and it persists in mockery of them all. And Morgan to-day controls billions of dollars of the country’s resources. Between that Civil War transaction and his present sway, necessarily there lies a long category of deeds.

ETF Selector, ETF List The Seeking Alpha ETF Selector is designed to help you select the right Exchange Traded Funds for your portfolio. We've listed ETFs and ETNs by asset class, explained how to use them, highlighted potential risks, and provided links to articles that discuss key issues for investors. The Core -- U.S. The standard approach to building investment portfolios uses a set of cheap, standard, market-cap-weighted U.S. stock index ETFs at the core, for which we've written Core Building Blocks: A Guide to ETFs That Divide the U.S. Foreign Stocks You can add exposure to foreign stocks by country with A Guide to International Equity ETFs or by sector with A Guide to Sector ETFs. Bonds and Real Estate Commodities and Currencies Commodities and currencies have not been viewed as traditional asset classes for long term investors' portfolios. Themes and Value Leveraged and Short ETFs Other Types of ETFs

Yahoo! Finance - Business Finance, Stock Market, Quotes, News Hedge funds get cheap homes, homeowners get the boot The program In 2010, HUD launched the mortgage sales program — now known as the Distressed Asset Stabilization Program, or DASP — under intense pressure from Congress to improve its finances. HUD can’t reduce the principal owed on mortgages it holds for homeowners, but it can sell the mortgages in bulk to investors at a steep discount — at times as little as 41 percent of the mortgages’ collective value. The agency, through the FHA, insures loans to lower-income and first-time homebuyers. Meanwhile, the FHA, due to an onslaught of claims, was desperately in need of a funding infusion. The DASP program has a dual purpose: to lessen the impact of FHA insurance claims on defaulted mortgages on HUD’s finances, and according to a statement in April by Genger Charles, then the acting commissioner of HUD’s Office of Housing, to provide borrowers “a second chance at avoiding foreclosure.” The sales have helped the FHA insurance fund become solvent.

CBOE | Chicago Board Options Exchange Home | Marketocracy Exponential Economist Meets Finite Physicist [slimstat f='count' w='ip' lf='resource contains economist'] views this month; [slimstat f='count' w='ip' lf='strtotime equals 2011-07-01|interval equals -1'] overall Some while back, I found myself sitting next to an accomplished economics professor at a dinner event. Shortly after pleasantries, I said to him, “economic growth cannot continue indefinitely,” just to see where things would go. It was a lively and informative conversation. Cast of characters: Physicist, played by me; Economist, played by an established economics professor from a prestigious institution. Note: because I have a better retention of my own thoughts than those of my conversational companion, this recreation is lopsided to represent my own points/words. Act One: Bread and Butter Physicist: Hi, I’m Tom. Economist: Hi Tom, I’m [ahem..cough]. Physicist: Hey, that’s great. Economist: [chokes on bread crumb] Did I hear you right? Physicist: That’s right. Economist: Well sure, nothing truly lasts forever. Total U.S.

Free Accounting Software | GnuCash MarketWatch - Stock Market Quotes, Business News, Financial News Why do people think economists are charlatans? A couple posts back, I talked about the AEA panel called "What do economists think about major public policy issues?". Actually, I only talked about one of the two papers that was presented there; the other was by Luigi Zingales, and was entitled "Comparing Beliefs of Economists and the Public." Unfortunately, I can't find this paper anywhere online, which is a shame, because it was actually the more interesting of the two. Here is a download link to the working paper. Zingales either performed a survey or reviewed a survey (I can't remember which) that compared economists' and non-economists' positions on policy issues. The paper found quite a bit of disagreement, but here's the really interesting part: When normal people were told the position of the economists, they changed their positions in the opposite direction. Update: Ryan Avent of The Economist has a great summary of the findings here, complete with a fun chart, which I will now steal: What on Earth??... Trade, of course.

Softs - Sugar, Cocoa, Orange Juice, Lumber, Cotton, Coffee  - Commodities Futures Softs Sugar A sugar is a form of carbohydrate; the most commonly used sugar is a white crystalline solid, sucrose; used to alter the flavor of beverages and food. Sugar sucrose is extracted from sugar cane, sugar beets, or sugar palm by a refining process. In the financial year 2001/2002, 134.1 million tons of sugar were produced worldwide. Sugar Futures Analysis Cocoa Cocoa prices mainly respond to cocoa supply and demand factors. Cocoa Futures Analysis Orange Juice Orange juice is the liquid obtained by squeezing or pressing the interior of an orange. Orange Juice Futures Analysis Lumber Lumber is wood that has been cut into boards or other shapes for the purpose of woodworking or construction. Lumber Futures Analysis Cotton Cotton is a soft fiber that grows around the seeds of the cotton plant . Cotton Traders Analysis Coffee Coffee is widely cultivated in tropical countries in plantations for export to temperate countries. Coffee Futures Analysis