Search found 281 matches

by 1130Super
Fri Mar 20, 2020 3:01 am
Forum: Personal Finance (Not Investing)
Topic: Getting Tax Refunds Or Stimulus Direct Deposited
Replies: 10
Views: 1453

Re: Getting Tax Refunds Or Stimulus Direct Deposited

You better change the title or this is getting locked faster than the doors of a car in a bad Neighborhood
by 1130Super
Thu Mar 19, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 312
Views: 24914

Re: How to get Toilet Paper ? seriously.

sksbog wrote:
Mon Mar 16, 2020 8:48 pm
Order bidet from amazon, next day delivery:)
Out of stock
by 1130Super
Thu Mar 19, 2020 6:29 pm
Forum: Personal Investments
Topic: When will S&P 500 go back to 3386 ?
Replies: 98
Views: 6027

Re: When will S&P 500 go back to 3386 ?

physixfan wrote:
Thu Mar 19, 2020 4:46 pm
People are too optimistic. I think it will take 10 years, so Feb 2030.
I’m thinking S&P could be 10k by 2030
by 1130Super
Thu Mar 19, 2020 4:54 pm
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 89
Views: 10573

Re: Time to buy Boeing?

since now it has become apparent that ba will not survive without a bailout what are the chances that there will be shareholder dilution? I see this playing out exactly like GM bailout if BA cannot source enough debt or a second offering in the capital markets. If I was the US I would require BA to...
by 1130Super
Thu Mar 19, 2020 4:37 pm
Forum: Personal Investments
Topic: When will S&P 500 go back to 3386 ?
Replies: 98
Views: 6027

Re: When will S&P 500 go back to 3386 ?

April 25 2022
by 1130Super
Thu Mar 19, 2020 11:28 am
Forum: Personal Investments
Topic: For those that buy single stocks, what to watch?
Replies: 36
Views: 2763

Re: For those that buy single stocks, what to watch?

Yesterday I dipped my toes in the water with O (realty income) and WFC Wells Fargo. I think it was capitulation

Wells Fargo yielding 8% seemed like a good bet
by 1130Super
Thu Mar 19, 2020 12:05 am
Forum: Personal Investments
Topic: Only two bond choices in 401K
Replies: 12
Views: 591

Re: Only two bond choices in 401K

What funds does your wife's 401k plan offer? Do you have any other accounts with access to Vanguard's funds, especially tax-advantaged accounts? An option would be to put your wife's funds in a low cost index fund, and then balance out the portfolio with a Total US Bond fund in another account (lik...
by 1130Super
Wed Mar 18, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21266

Re: Okay, now when you do buy back in?

thelateinvestor43 wrote:
Mon Mar 02, 2020 4:59 pm
Wait till the markets go up and THEN you buy back in. Then when they sink to all time LOWS you sell again.
All time lows? So that would mean the DOW would have to fall another 19,000+ points to get under 40.22
by 1130Super
Wed Mar 18, 2020 4:54 am
Forum: Personal Finance (Not Investing)
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 320
Views: 26476

Re: How Is Your Job Being Impacted By The Current Crisis?

Mandatory 12-16 hour shifts 7 days a week. I work for a grocery supplier we have 4x normal volume Many, Many thanks! Thanks to the hoarders some simple things are in short supply. WoodSpinner +1000. Appreciate the workers who supply grocery stores whole heartedly. Thank you. I work for the biggest ...
by 1130Super
Wed Mar 18, 2020 4:23 am
Forum: Investing - Theory, News & General
Topic: How is the age 59 & 1/2 calculated?
Replies: 1
Views: 262

How is the age 59 & 1/2 calculated?

To withdraw from an Ira without penalty you have to be over 59 1/2. How is a half year calculated? 6 months + 1 day 1/2 of 365 (183 days) 1/2 of 366 days in a leap year + 1 day (184 days) Example Birthday Jan 15th 6 months plus a day would be July 16th 183 days would be July 17th 184 days during a l...
by 1130Super
Tue Mar 17, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Teflon pan brand
Replies: 24
Views: 830

Re: Teflon pan brand

May I suggest a an old cast iron pan. All I have is cast iron it’s all over 50 years old and still working
by 1130Super
Tue Mar 17, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment Benefits Question
Replies: 3
Views: 387

Re: Unemployment Benefits Question

Generally NO, it would depend on state A’s unemployment benefit rules.
by 1130Super
Tue Mar 17, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 320
Views: 26476

Re: How Is Your Job Being Impacted By The Current Crisis?

Mandatory 12-16 hour shifts 7 days a week. I work for a grocery supplier we have 4x normal volume
by 1130Super
Tue Mar 17, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1335
Views: 101806

Glad I stocked up on food and supplies.

[merged into existing thread - moderator prudent]

Who else planed ahead? Grocery stores are running out of food in my area about 1/2 the shelves are empty in some stores. I work for a very large food distribution Warehouse and our inventory has never been this low either.
by 1130Super
Tue Mar 17, 2020 5:55 am
Forum: Personal Finance (Not Investing)
Topic: My Brother-in-Law is out of his mind.
Replies: 10
Views: 2154

Re: My Brother-in-Law is out of his mind.

You might be out of your mind for thinking the Boglehead way is the only way to success. Plenty of people will live a very simple life in 100% Dividend blue chip stocks and never touch the principal. Some people are afraid of the market and will be in 100% cds, a pension or an annuity and Soc Sec. T...
by 1130Super
Tue Mar 17, 2020 12:30 am
Forum: Investing - Theory, News & General
Topic: Is there any limit for QE?
Replies: 10
Views: 681

Re: Is there any limit for QE?

Theoretically, when they run out of assets to buy. I have no plans to sell. So if rates dropped to say -10% you still wouldn’t sell? Theoretically the government can just call back their bonds. No. Treasuries are not callable. It's not in their terms and conditions. PJW Under current law anyway
by 1130Super
Mon Mar 16, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: Is there any limit for QE?
Replies: 10
Views: 681

Re: Is there any limit for QE?

jebmke wrote:
Sun Mar 15, 2020 4:40 pm
Theoretically, when they run out of assets to buy. I have no plans to sell.
So if rates dropped to say -10% you still wouldn’t sell? Theoretically the government can just call back their bonds.
by 1130Super
Mon Mar 16, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mandated business closures and Unemployment Insurance
Replies: 6
Views: 636

Re: Mandated business closures and Unemployment Insurance

It’s a state by state thing. MN there’s an online option, In MN you can apply as long as you are a full time employee (average of more than 32 hours) and your hours are cut below 32 hours in a single week through no fault of your own.
by 1130Super
Mon Mar 16, 2020 2:29 am
Forum: Investing - Theory, News & General
Topic: DOW likely to fall to 15-17k at some point this year?
Replies: 44
Views: 4520

Re: DOW likely to fall to 15-17k at some point this year?

stocknoob4111 wrote:
Sun Mar 15, 2020 1:38 pm
vipertom1970 wrote:
Sun Mar 15, 2020 1:31 pm

then short the markets to make money ?
Not into gambling so no.
Buying puts are much better idea then shorting in my opinion
by 1130Super
Mon Mar 16, 2020 12:55 am
Forum: Investing - Theory, News & General
Topic: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]
Replies: 117
Views: 9372

Re: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]

Well if there is no population growth for a couple years because 2-3% of people die off it could certainly send the world into a long term recession, but if the virus is only killing old people and people with health problems as terrible it is to say it may very well help the world economy.
by 1130Super
Sun Mar 15, 2020 6:22 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 19609

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

From the press release: https://www.federalreserve.gov/newsevents/pressreleases/monetary20200315b.htm In light of the shift to an ample reserves regime, the Board has reduced reserve requirement ratios to zero percent effective on March 26, the beginning of the next reserve maintenance period. This...
by 1130Super
Sun Mar 15, 2020 6:20 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 19609

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

theorist wrote:
Sun Mar 15, 2020 4:05 pm
With rates at zero now, I wonder what tools they have remaining if this doesn’t suffice?
The fed should start buying ETFs and mutual funds and deposit in Soc Sec trust?
by 1130Super
Sun Mar 15, 2020 5:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 17945
Views: 2538557

Re: U.S. stocks in free fall

Hoongajji wrote:
Sun Mar 15, 2020 5:26 pm
5 minutes into Sunday night futures and the trigger squeezes.

5 minutes into Mondays trading day the trigger will squeeze again.

Epic times, I bet trading halts before noon Monday.

Hoongajji
That would mean -20%
by 1130Super
Sat Mar 14, 2020 10:08 pm
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 14924

Re: So what does shutting down the US economy for a few months look like?

But even if federal government orders the entertainment, travel, retail, restaurant, construction, manufacturing industries all to keep paying people for not working...I don’t see for how long most companies can do that if they’re experiencing a near 100% cash flow interruption. I don't think the f...
by 1130Super
Sat Mar 14, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: PV (solar electricity) results after 1st year
Replies: 2
Views: 365

Re: PV (solar electricity) results after 1st year

Pretty good I’d say but does California not have any state benefits? I’m In Minnesota and I get a substantial yearly credit for first 10 years.
by 1130Super
Fri Mar 13, 2020 3:59 am
Forum: Investing - Theory, News & General
Topic: Market Timing - Should we have seen this coming?
Replies: 67
Views: 3682

Re: Market Timing - Should we have seen this coming?

It was obvious that there was at least a correction coming. When they were shutting down flights to China at all time Highs In my taxable I went from 130/-30 to 30/70 with some hedging via Puts. I’m still up a few % YTD. But then again that was right after me and GF decided to buy house together thi...
by 1130Super
Thu Mar 12, 2020 9:20 pm
Forum: Investing - Theory, News & General
Topic: Do you see any of the airlines going bankrupt
Replies: 16
Views: 1177

Re: Do you see any of the airlines going bankrupt

JonnyDVM wrote:
Thu Mar 12, 2020 8:38 pm
I am fairly certain the major carriers would be bailed out. 0% chance delta goes bankrupt.
Or Berkshire Hathaway steps up to the plate
by 1130Super
Thu Mar 12, 2020 8:52 pm
Forum: Investing - Theory, News & General
Topic: Do you see any of the airlines going bankrupt
Replies: 16
Views: 1177

Re: Do you see any of the airlines going bankrupt

Or if Disney drops another 20% I could take a Leap of faith on them. Pun intended :o
by 1130Super
Thu Mar 12, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: Do you see any of the airlines going bankrupt
Replies: 16
Views: 1177

Do you see any of the airlines going bankrupt

Which airlines in better position than others? Airline stocks are down more than 50%. I’m considering looking into some leaps with some play money willing to spend 1k as a total gamble.
by 1130Super
Thu Mar 12, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Staying under 400% FPL for FIRE
Replies: 47
Views: 3205

Re: Staying under 400% FPL for FIRE

Retiring early to live a (hopefully) long retirement not much above the poverty level. That's sounds like something to look forward to ! Not to mention that a relatively small error in the plan would bring one below poverty level... 4x the poverty level is leaps and bounds different than “not much ...
by 1130Super
Wed Mar 11, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Staying under 400% FPL for FIRE
Replies: 47
Views: 3205

Re: Staying under 400% FPL for FIRE

Retiring early to live a (hopefully) long retirement not much above the poverty level. That's sounds like something to look forward to ! Not to mention that a relatively small error in the plan would bring one below poverty level... 4x the poverty level is leaps and bounds different than “not much ...
by 1130Super
Wed Mar 11, 2020 10:01 pm
Forum: Personal Investments
Topic: For those that buy single stocks, what to watch?
Replies: 36
Views: 2763

Re: For those that buy single stocks, what to watch?

Always passive wrote:
Wed Mar 11, 2020 2:16 am
I have a small allocation to cash that I use for opportunities. I am watching BRK-B. What are you?
I wouldn’t consider Berkshire Hathaway a single stock
by 1130Super
Wed Mar 11, 2020 8:01 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3660
Views: 255688

Re: Coronavirus and the market

Grogs wrote:
Wed Mar 11, 2020 7:46 pm
Forester wrote:
Wed Mar 11, 2020 7:08 pm
At this rate US stocks could be down 40% by the end of March :beer
And by mid-May they'll be at zero. :sharebeer

If you're going to extrapolate, might as well go all the way. :D
In that case I’ll add canned goods and toilet paper to my AA
by 1130Super
Wed Mar 11, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: Are Treasury Bonds no longer a safe haven w/ 0% interest rates
Replies: 57
Views: 3963

Re: Are Treasury Bonds no longer a safe haven w/ 0% interest rates

If US bonds are a safe-haven why does the US have higher rates on bonds than other countries? Someone with a 760 credit score gets lower rates than someone with a 680. US bonds rates are almost always higher than Japan, and most of Europe The US has the largest and most liquid government debt marke...
by 1130Super
Wed Mar 11, 2020 7:07 pm
Forum: Investing - Theory, News & General
Topic: Are Treasury Bonds no longer a safe haven w/ 0% interest rates
Replies: 57
Views: 3963

Re: Are Treasury Bonds no longer a safe haven w/ 0% interest rates

If US bonds are a safe-haven why does the US have higher rates on bonds than other countries? Someone with a 760 credit score gets lower rates than someone with a 680. US bonds rates are almost always higher than Japan, and most of Europe
by 1130Super
Tue Mar 10, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: Using a 0% APR credit card as leverage
Replies: 26
Views: 1554

Re: Using a 0% APR credit card as leverage

spdoublebass wrote:
Mon Mar 09, 2020 3:40 am
Wouldn’t you have to do it as a cash advance?
Don’t cash advances typically have a separate APR?
Sometimes they give you balance transfer checks that you can deposit into your checking account
by 1130Super
Tue Mar 10, 2020 4:56 pm
Forum: Investing - Theory, News & General
Topic: Using a 0% APR credit card as leverage
Replies: 26
Views: 1554

Re: Using a 0% APR credit card as leverage

Let's say markets continue to tank big time. Thoughts on using a 0% APR 13 month (or however long) CC to free up cash flow for investing? What I mean is make the minimum monthly payment on the card at 0% interest and use the excess cash flow to put in the market. You would of course have a massive ...
by 1130Super
Mon Mar 09, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Check my Refi Math
Replies: 4
Views: 680

Re: Check my Refi Math

At today’s rates I’d go with the 30 yr
by 1130Super
Mon Mar 09, 2020 7:10 pm
Forum: Personal Investments
Topic: Ok, I'll ask it... temporarily getting out of the market with a small % of portfolio?
Replies: 52
Views: 3045

Re: Ok, I'll ask it... temporarily getting out of the market with a small % of portfolio?

I'll [edit by mighty72 (moderator)] ask the question. I have to know for my family and I. I'm sitting on a good amount of investments, I'm very heavy stocks which is ok for my portfolio. Would I be completely in the wrong for say.. selling 10% of my VTI shares with the intention of re-buying in a m...
by 1130Super
Mon Mar 09, 2020 7:08 pm
Forum: Personal Investments
Topic: Anyone buying oil/energy sector?!
Replies: 56
Views: 4828

Re: Anyone buying oil/energy sector?!

hirlaw wrote:
Mon Mar 09, 2020 6:38 pm
I own some ExxonMobil (XOM). I am holding, not buying. However, I intend to reinvest the dividends.
Unless they suspend the dividend
by 1130Super
Mon Mar 09, 2020 5:41 pm
Forum: Personal Investments
Topic: Anyone buying oil/energy sector?!
Replies: 56
Views: 4828

Re: Anyone buying oil/energy sector?!

These will only turn out to be "bargain prices" if Russia backs down and OPEC+ renegotiates a deal. If Saudi Arabia truly decides to make a point and ramp production up to their max capacity, there will be many oil companies that go bankrupt. I don't want to own any companies that might go bankrupt...
by 1130Super
Mon Mar 09, 2020 1:02 am
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 272
Views: 37127

Re: 30 year mortgage under 3%

I just did a 2.75 30yr with my current lender (Freedom Mortgage) - streamline refinance, so no cost or hassle. Signed some forms, not even a credit check Hm, this sounds interesting. I have two houses financed by Freedom Mortgage. My mortgages are both 7 year old, 30 year fix at 3.25% and 3.5% resp...
by 1130Super
Mon Mar 09, 2020 12:11 am
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 272
Views: 37127

Re: 30 year mortgage under 3%

I’m going to wait on the refi, with the 10YR at .5% 30 mortgages should be in a range of 2%-2.25%
by 1130Super
Sun Mar 08, 2020 9:59 pm
Forum: Investing - Theory, News & General
Topic: US 30 year Treasury yield @ 0.957%
Replies: 13
Views: 1516

Re: US 30 year Treasury yield @ 0.957%

CoastalWinds wrote:
Sun Mar 08, 2020 9:53 pm
Unbelievable. We’re getting close to negative nominal rates on the 10-yr.
We are are already negative adjusted for inflation
by 1130Super
Sun Mar 08, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: How low will 10YR treasuries go? Predictions
Replies: 1
Views: 373

How low will 10YR treasuries go? Predictions

It’s currently .53%
Anyone else think it’s going to go negative? My prediction is -.5%
by 1130Super
Sun Mar 08, 2020 5:03 pm
Forum: Investing - Theory, News & General
Topic: No bonds in retirement AA?
Replies: 55
Views: 3673

Re: No bonds in retirement AA?

rerod wrote:
Tue Mar 03, 2020 3:13 pm
100% stocks during retirement makes sense if you can take a 50% hit and still pay the bills imo.
If your only drawing dividends the 50% drop is just noise