Personal finance

Investing in commodities

Posted on October 11th, 2009 by David Luhman and tagged , .

I had an earlier article about how diversifying into commodities can give higher total returns with lower volatility.

But now the question is, how should one invest in commodities? Do like my high school physics professor who bought a bunch of copper tubing during the Jimmy Carter memorial inflation of the early 1980s?

Diversification with long-term bonds and commodities

Posted on October 11th, 2009 by David Luhman and tagged , .

Lately, I've been looking to increase the diversification in my retirement portfolio by investing in both commodities AND long-term bonds.

Crazy? Aren't these diametrically opposed views? Commodities love inflation, just like long-term bonds hate inflation.

It's hard to say where inflation is headed, although at least relative to now it seems likely to go up. But how much more inflation can we expect, and more importantly, now much of that is already priced in long-term bond prices.

Use OptOutPrescreen.com to increase security and FICO score

Posted on November 13th, 2006 by David Luhman and tagged .

Visiting OptOutPrescreen.com may increase your FICO credit score by 40 points, clear your mailbox of credit card solicitations, and increase your security.

OptOutPrescreen.com is run by the four major credit rating companies - Experian, Equifax, Innovis and TransUnion.

Free : Obtain up to three credit reports annually

Posted on November 30th, 2004 by David Luhman and tagged .

Thanks to the The Fair and Accurate Credit Transactions Act of 2003, consumers in the western US may now request up to three copies of their credit report annually. Even better, consumers may stagger receipt of their reports, to monitor their credit standing.

Here is the text of the press release from the Federal Trade Commission (FTC) describing the credit report request process :

Consumers in 13 Western States May Request Free Annual Reports Beginning December 1