Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
Took some extra cash and put it in FLOT after reading about it on here. Not much more than MM but as I tell my kids. It's just a couple clicks. I finally got my daughter to move money from a bank to VG MM after telling her the interest rate differen…
I recently saw Neil deGrasse Tyson talking about AI and how he thinks it will obsolete social media. He feels people will get so fed up not knowing what is real and what is not real they will abandon it. I think he may be on to something. I use it…
I've read you want to hold ETF's in taxable accounts since they are more tax efficient. They pay less capital gains than OEF. They usually have lower ER's also.
Wow... I just saw a documentary short on I think FB talking about the LA fires in 1961. How some of the ground vegetation is known to be some of the fastest burning in the western hemisphere. Fire spreading 13 acres every minute!! **1961** We ne…
Dried pine/lumber which make up most homes burns incredibly HOT and FAST. I had a firepit in my back yard and once got some scrap lumber from a carpenter friend. I threw some in the firepit and was shocked and a little scared how fast it went up. I…
I had savings and checking at Capone but several years ago I did away with the savings account and now keep excess cash in a Vanguard MM. It's just a couple clicks to move money between them. At one time they were competitive but that went away pret…
I took a somewhat different approach. I converted quite a bit to Roth while staying in the lowest tax bracket. Yes, I paid some taxes but the Roth grows tax free forever. The earnings/growth on the funds I converted many moons ago (retired 17+ years…
Current selling makes sense... I think a lot of the movement is just rebalancing. Account's are up 30-50% the last 2 years (SPY up about ~46%) so they need to take some off the table to get back to target asset allocation. That along with all the…
You can switch back to Medigap plans from MA plans during open enrollment but you may have to go through their medical underwriting test. I.E. you could be denied. I've never heard of anyone going back so I don't really know if it's that difficult.…
I had a POS plan and had to go to in network doctors to be covered. I changed to a PPO plan so I can go to any doctor without referral but out of network doctors are not covered like in network doctors. I changed because there was a chance my docto…
Just the stupid believing president elect stupid. I guess Florida, Georgia, North Carolina and other red states screwed up, weren't prepared, didn't have the infrastructure and lacked execution knowledge to stop the Helene destruction either huh?…
So is DOGE going to nix the (probably) millions it'll cost to change the GULF name? Talk about wasting money. It will not benefit anyone on the planet but they'll spend money on it? C'mon Elon, are you all talk, a loser and scared of Trump?
Sold a little VOO, added to ICMUX and also purchased a new 5 year Goldman Sachs 5.375% bond, matures 01/22/2030, callable 1/2027 so at least I'll get 2 years of 5.375%.
A previous post by rsorden:
"it shows alot about you as a person, your character, and your lack of both intelligence & class, that you resort to name-calling & vulgarities. That 3rd grade public education on display here."
pot meet kettle
The fog of war. We took down an Iranian commercial plane once. Although isn't this the 3rd time for Russia? Once around the Koreas or Japan and then another time it was a Dutch plane and now this.
Wow, that didn't take long. Already we have president Musk rumblings. I bet that pleases Trump. I predict a total meltdown between them at some point. They are both used to being totally in charge. I know Musk will figure out how stupid Trump is a…
It's all smoke and mirrors. Claim your going to do away with Polio vaccine, after everyone screams say just kidding while you plan to get rid of 5 others while everyone is up and arms over the Polio vaccine == distraction. Hank is absolutely corr…
Many of this cult do not believe in science. I expect they believe adding prayer to schools and posting the Ten Commandments in every classroom will please The Lord and thereby more than offset whatever harmful effects abandoning vaccines might pos…
All the above being said: rates might stay the same but chances of rates going higher? Big leap of faith? I can see higher for longer but I don't see higher than today. UNLESS tariffs and immigration policy causes higher inflation.
Didn't like long bonds. Doesn't think next year will be good (as the last 2 years) or bad for stocks as too many variables like tariffs, immigration etc... maybe 15%. Stay on the short side of the yield curve. I don't remember most of it either …
Soon maybe the Bored Ape NFT's will be back. Sold for millions now worth 50-70k if you can even figure it out. A 90% decline since mid 2022 from what I can find. OUCH!! I'll waste spend my money on cars, women and beer.
One thing being overlooked... ALL that data being fed into AI is human produced. SO.... if the auditors, financial people at companies make mistakes or enter garbage data to make the last quarter look good, last year look good, current conditions l…
Hint: spending 12 hours a day on MFO OT with the same five people, jerking each other off with Orange Monster quips, isn’t a life.
Holds up mirror for the all knowing der fuhrer to gaze into not sure he'll even understand it. Heil chang
And some sit on line at the gas station at Costco for 25 minutes to save 20 cents a gallon for their Range Rover...
Boy is that the truth. LOL I could never see driving out of my way for gas.
Hey, it's his world. If he wants to be surrounded by people who make him think he's always right like Trump so be it. We could each start our own forums if we wanted to but I'm not that narcissistic that I can only handle people who think like me. B…
