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Everything posted by firstseason1987

  1. I am thinking ibonds too. Can get 3% or so if you buy by the end of this month, right? Ibonds are treasury bonds with an added adjustment for inflation.
  2. If I remember right when I heard it explained, if you went with a typical 3-fund portfolio, for example (1 domestic equity mutual fund, 1 international equity mutual fund, and 1 bond fund), and did all the work and allocations, you'd track a basic Target-Date fund pretty closely and it wouldn't really matter which one you owned when you're under $250k. But above that limit, asset location, putting the highest-returning funds into the best tax-advantaged account, will have a measurable impact on returns. If someone's retirement fund options were a 401k and a Roth, and they evenly split $200K into the 401k and $200k into the Roth and completely invest both fully into a 2050 Target Date fund, for example, they would under-perform an allocation that split up the same amounts into optimizing bonds into the 401k and the higher-returning equities as much as possible in the Roth. I think the $250k demarcation is the flex point at which it actually starts to matter, albeit only slightly. Once you're well above that number, then the impact is greater. Like, at $250k, re-allocating might return only ~1% more over 30 years(?), let's say, but at $500k it could mean 2-3%? At a million, 4-5% better return once you start making withdrawals? OTOH, if you only have one type of account, either a roth or a 401k, then it doesn't really matter because you can't tax-optimize.
  3. Do you have other retirement investment vehicles (like a 401k) or is the Roth your only retirement account? Generally, if you only have a Roth, and your total investment in the market is less than ~$250k, you're probably OK leaving it in a target date fund for now until it grows beyond 250k. You might now or eventually want to change the target-date fund to one 5 or 10 years past when you think you are going to retire, because these funds are super conservative on asset allocation and might be over-invested in safe bond-type funds on a faster path than you might want. But for now, 20 years out, it's probably only 95/5% stocks/bonds and doesn't make a difference. If you have other retirement accounts available to you, like a 401k and a Roth, once you hit $250k total across all accounts, you might want to consider selling out of the target date funds completely and then re-allocating inside the different accounts based on tax advantages. Figure out your allocation for bonds and value- and blue-chip index funds and buy those in the 401k, then use your Roth to maximize the portion used for REITs, dividend stocks, long shots, and growth funds. That way you're getting the maximum tax-free growth in the most advantaged account. Save the bonds portion for the tax-deferred 401k.
  4. Mine was Barbara Bush. Right age, too, if not also dead.
  5. Indians, Mariners, and Rangers, twice each in six weeks!
  6. Didn't even think to check. My PM sits unread as well. Guess it's SEUT guys only.
  7. While it's fair, it's got nothing to do with the original request that people PM him that I can figure out. Unless there's some kind of "trusted insider people only" thing going on which I obviously cannot guess the backstory behind.
  8. As I said before, I want some kind of explanation about what kind of shady deal you have going on that can only be explained in PM and not on the board before I turn over any more information to you. I don't even need it from you, any of the other people you've deemed worthy of sharing your info with can let me in on it too if they want. But I'm not giving up any more private personal info to anyone until I have a better idea why.
  9. I understand this line of thinking for, like, a stock... "If I liked Amazon enough to buy it at 3300, I should be happy to buy more at 3000", sure. I get that. You've done an analysis of the company and arrived at some value per share you think it's worth when you total up its assets, growth opportunities, liabilities, etc., and if nothing has changed, then a 10% discount is a great deal. If you think it's worth more than the market cap says, buy. But there's nothing underneath the crypto, no underlying asset, it's a currency exchange. And even then, yeah, I get when it's like "the exchange rate from dollars to pesos is great when I cross the border and can buy something cheaper over there"... like if Mexican Target always has your razors listed for 100 pesos, you can really score when the dollars to pesos rate moves in the right direction. But with crypto everything is priced in dollars and then you convert to coin at the end. No one lists a price as "this thing costs 0.01 bitcoins!" and then you can wait to see how fluctuations hit because the list price doesn't change. Instead the price is always in dollars and then you wait and see what exchange rate you get on the back end of the deal. So I'm not sure if the same process holds when a coin price moves vs when a stock price moves.
  10. Blame mods with itchy trigger fingers. Been here more than 10 years. I didn't realize you were going to be so picky about who you deign to respond to.
  11. What was this all about anyway? Never got a return PM. Made it just feel scammy.
  12. 1 paper with irreproducible results is hardly confidence inspiring
  13. There's no proof the drug works. There's proof it doesn't make things worse. It could very well be a placebo for all the (poorly-designed) studies have managed to prove. Maybe that is the point... a well-designed study would show it's not effective enough to be relevant. A poorly-designed study kicks the can down the road a few more months to stave off bankruptcy.
  14. Man it's bad when the FDA has to issue a statement confirming you're snake oil.
  15. Looks like I'm going to be owning a whole bunch of stuff soon...
  16. The lumber thing is real, due to a bad estimate of the speed things are re-opening, plus, logging limits in Canada. However, it should "stabilize" in time... by that, I mean, prices should go down in volatility, but, might not ever reach the old lows again. Just find a new baseline level above the previous.
  17. Yeah, I'm not going to take a call. But you can PM me what's going on. Or not. I do want to know, but, this sounds shady tbh. You asked who's still holding, and I sent you a PM. I'm not going to give any other info without knowing what it's about.
  18. Every doctor's office and mortgage broker, and no one else
  19. Still compiling the list of biggest suckers, he's got a bridge deal to PM us about
  20. Big fan of the old Milford Jai Alai. Once that left, seems everything else really started to suck. Maybe, maybe, if you found some quiet little antique-store-and-winery hamlet, it could be a nice place. But if that's not your vibe... don't hold out much hope for CT.
  21. I've probably told this story before. Most sportswriters have a slow week between the AFC & NFC championships and then the Super Bowl two weeks later. That "hype week" before the big game is when the Baseball Writers Association holds their annual awards ceremony dinner to give out the Rookie of the Year, MVP, Cy Young, etc. awards & honor that year's Hall of Fame inductees. Back when I would go, it was at a Marriott in Manhattan, and all sorts of big-time ballplayers and sports celebrities would show up. For a hundred, one-fifty, per plate you could rub elbows with Don Mattingly, Spike Lee, Paul Simon, Doc Gooden, Yogi Berra, etc. Good times. I went to one of these dinners in the early 90s, it happened to be about 40 years or so after the summer that Mickey Mantle, Willie Mays, and Duke Snider were the three outfielders in New York and all three showed up, and as it happened, it was one of the last years all three were alive and maybe one of the last times all three were in the same room together. They were up at the dais and telling jokes and stories in their speeches and it was a great time. Then it came time to honor that year's award winners. Whoever it was that picked up the Cy Young that year accepted theirs, the ROY got his... and then it was time for the MVP awards. I think that year, the Big Hurt, Frank Thomas, was the AL winner and accepted his. The NL winner was Barry Bonds. He didn't show up to the ceremony, but, since Willie Mays was his godfather, he'd asked Willie to go up and give a speech on his behalf. So Mays gets up there for a second time, and proceeds to absolutely lay in to Barry. Rips him to pieces. "How big a jerk are you that all these nice people vote you the best player in the game and you can't even be bothered to show up to get the award?" kind of stuff. Bonds already had a bad reputation among sportswriters, and Willie taking their side really cemented it. He had everyone rolling and cheering. Hell of a show.
  22. In the lead, got the answer right, and lost. Heck of a way to blow your chance. 2nd place also technically miswagered. And so did 3rd.
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