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Show HN: Inflation-adjusted stock charts – Total Real Returns

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Re: Show HN: Inflation-adjusted stock charts – Total Real Returns

#271

Post by smallerfish »

FooBarWidget wrote: post #262
epups wrote: post #252

Earlier quoted context omitted.

That sounds really weird. In Germany an apartment that rents for about €1000 would sell for €400,000 or so, which means a mortgage would cost 2 to 3 times more (with a 20% down-payment). This is with a 2% interest rate. How does the math work in the Netherlands?

An apartment that's worth about €400,000 rents for about €1,550. The equivalent mortgage with 3.85% interest is €1875, but becomes about €1426 after tax breaks. The 10% down payment can and often is financed too. This leaves about €10,000 of notary fees and taxes that you have to pay yourself. Interest rates used to be lower so the mortgage used to be much cheaper.

If the real estate market is near a local maximum, then rent is still a better deal, for now, with your numbers. Upkeep, hoa fees, insurance on an apartment very likely sum to more than €124/mo. That said, of course, if the real estate market is still going to grow by a significant percent, and you time selling correctly, then you could make money by owning.

Re: Show HN: Inflation-adjusted stock charts – Total Real Returns

#272

Post by jlawson »

sicp-enjoyer wrote: post #211
jlawson wrote: post #109

Earlier quoted context omitted.

You can hold bond funds to the maturity date of the underlying bonds and get the same result (minus fees). But in either case, you still get whacked with inflation, which would show up on this chart as a drop.

At an individual bonds maturity I get the full principal back. How do I do that principal back from a bond fund if the value has dropped due to the macro environment?

The value will have dropped, but the distributions/dividends you got in the meantime will have made up the difference. The fund and its underlying holdings must end up even in the end (minus fees).

Re: Show HN: Inflation-adjusted stock charts – Total Real Returns

#273

Post by Breza »

sytelus wrote: post #268
withinboredom wrote: post #242

Earlier quoted context omitted.

Is it really all that surprising? I’m a fairly spiritual person, and work with logic and reasoning every day. I like to think about this kind of stuff for fun and one of my answers to this is that if you like fiction, you are able to suspend disbelief at will (whether aware of it or not). I think faith requires disbelief and trust to work. Without disbelief, you will question, and without trust, you’ll undermine.

Spirituality is not same as ardently following very specific religious practices. I believe everyone is spiritual in some way. I also don’t think we suspend disbelief when reading/watching work of fiction. We accept that to be fake but we are curious about what-if scenarios and it’s merely learning and/or entertain. This is not same as reading religious texts were you do not accept it to be fake and questioning is fe…

I don't see any conflict between reason and religion. Knowing how an atomic bomb works doesn't conflict with the rationale for why it's immoral to use one.

Re: Show HN: Inflation-adjusted stock charts – Total Real Returns

#274

Post by Breza »

POPOSYS wrote: post #247
krapht wrote: post #246

Earlier quoted context omitted.

> When you selected Martin Luther as your mental leader That's not what I got from the post at all. Historically Martin Luther is extremely significant, and as that's as far as I can see why OP referenced him. And frankly, it's not very useful to apply modern norms to historical figures. I get the same vibe from your post as "Did you know Thomas Jefferson owned slaves? And raped Sally Heming? Clearly it was non-conse…

It is very important to apply modern norms to historical figures - to better understand the past and how misaligned ideas / movements / behaviors from the past can be in the present.

The ELCA has condemned his antisemitism while still lauding the brilliance of his theology. One is entirely separable from the other.

Re: Show HN: Inflation-adjusted stock charts – Total Real Returns

#275

Post by Breza »

danans wrote: post #183
mechanical_bear wrote: post #163

Earlier quoted context omitted.

I liked your explanation but you undermine your write up by discussing something you clearly have no business discussing: >> People tithe and sacrifice to their church for a promise of rewards in the afterlife. This is a fundamental misunderstanding of tithing and I’m not going to get into that at the moment, but it makes me consider if you are discussing other things in your write up that you don’t have experience w…

> This is a fundamental misunderstanding of tithing and I’m not going to get into that at the moment, To the extent that tithing (or a non Christian equivalent) supports a religious institution's facilities and payroll and programs to be help less well off members of the religious group, it's a bit socialistic, with the huge caveat that - by definition - it is not universal, since to receive such benefits you must us…

Do you have a citation for "you must usually be an adherent or serious prospect of conversion to the religion"? I've never worked with a church that required proof of membership or belief to receive services.

Re: Show HN: Inflation-adjusted stock charts – Total Real Returns

#276

Post by Breza »

ARandomerDude wrote: post #231
mechanical_bear wrote: post #163

Earlier quoted context omitted.

I liked your explanation but you undermine your write up by discussing something you clearly have no business discussing: >> People tithe and sacrifice to their church for a promise of rewards in the afterlife. This is a fundamental misunderstanding of tithing and I’m not going to get into that at the moment, but it makes me consider if you are discussing other things in your write up that you don’t have experience w…

>> People tithe and sacrifice to their church for a promise of rewards in the afterlife. > This is a fundamental misunderstanding of tithing and I’m not going to get into that at the moment... I'll explain some from a fairly classic Protestant perspective. This was literally what started the Protestant Reformation. Martin Luther was horrified that the Church was essentially attempting to sell salvation via indulgence…

Very well said. I think a lot of atheists would be interested in some of Luther's critiques of the church.

Re: Show HN: Inflation-adjusted stock charts – Total Real Returns

#278

Post by anonu »

jl2718 wrote: post #127

This period has been very special because of the 401k, which is itself part of the growth story of the corporate legal structure. I think this is coming to an end. Corporate boards and officers no longer represent the best long-term interests of the companies and shareholders they represent. It’s also a very precarious legal status as an arbitrary judicial ruling can make or break a company. Finally, and perhaps most…

Can you be precise about "this period"?

I don't disagree with you that 401k puts an implicit bid into the market. However, they've been around since the early 80s and the market goes up and down regardless.

Re: Show HN: Inflation-adjusted stock charts – Total Real Returns

#279

Post by arminiusreturns »

mistrial9 wrote: post #264
arminiusreturns wrote: post #212

Earlier quoted context omitted.

Further, it seems religion may have developed as a part of the need to keep track of resources in ancient Sumeria. My impression is that the studies said something along the lines of by establishing a priest class wich survives on tithes but also function as clerks/scribes that society enters a new new level of economic development.

further casual broad-brush explanations of religion then, gotcha

I strongly disagree with your summary. In studying the evolutionary origins of religion the development of language, in particular writing, which moves religion away from oral tradition, is a key component. Did I articulate this well? No. The science remains well reviewed on this topic though, (that writing was first used for business transaction accounting, and later for ritual purposes).
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