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by RRAAYY3
Tue Apr 03, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2017?
Replies: 3
Views: 275

ROTH IRA 2017?

My account is saying I still can contribute to a 2017 Roth I made my 2018 ... I transferred Roth’s in 2017. Am I eligible to make a 2017 contribution if I already did prior to transferring? Is this a “new firm” loophole or is my new account/form just missing something? I obviously don’t want to do a...
by RRAAYY3
Tue Apr 03, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finished?
Replies: 129
Views: 10219

Re: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finis

I called this before Christmas ... It always has, and always will be, a valueless “currency” It’s nothing. It’s code. The block chain technology, sure that has practical implications. Bitcoin is ... what? Nothing. I know bitcoin has been getting alot of news recently but I'm curious as to what you ...
by RRAAYY3
Mon Apr 02, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finished?
Replies: 129
Views: 10219

Re: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finis

I called this before Christmas ... It always has, and always will be, a valueless “currency”

It’s nothing. It’s code. The block chain technology, sure that has practical implications. Bitcoin is ... what? Nothing.
by RRAAYY3
Mon Apr 02, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Not to get political, but the movements of the markets have echoed my own optimism as it relates to the political stability of the US. Specifically, the current presidential administration was seen as "pro-business" in the reduction of regulations, reduction of taxes, and suggestion of a lighter-to...
by RRAAYY3
Mon Apr 02, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

welp, INT'L is dropping less than US ... thanks diversification ?
by RRAAYY3
Mon Apr 02, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Am I the only one wondering if it is actually a good sign that the FANGTA (Facebook Apple Netflix Google Tesla Amazon) prices are falling and evening out a little? Those stocks were flying a lot higher than the rest of the market and it felt like this correction is helping bring things back into ba...
by RRAAYY3
Mon Apr 02, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

“Big Tech” the new punching bag for our economy it seems ...

2018 volatility ... 2019 recession ... 2020 back in business ?!
by RRAAYY3
Sat Mar 31, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Substantial initial investment + Overvalued market = Trouble?
Replies: 28
Views: 3002

Re: Substantial initial investment + Overvalued market = Trouble?

I bought at the “all time high” March 2017 ...

Even after this recent correction / volatility - I’m up approximately 10% from that all time high

Time in - not timing - and an allocation that will keep you in, is all that matters
by RRAAYY3
Thu Mar 29, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

So after January's enthusiastic +8% move followed by February/March pessimistic 10% move down, markets closed this qtr negative but ever so slightly... :beer Looking at Jan 2 - Now ... Basically, nothing happened I don't know about that. My # of shares went up by a good margin. haha I could say the...
by RRAAYY3
Thu Mar 29, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy RE: Taxes / Retirement ?
Replies: 8
Views: 792

Re: Sound Strategy RE: Taxes / Retirement ?

1. Is it wrong to view a taxable account as part of my retirement package/portfolio? Why would you think that might be so? Then people can address those specific concerns instead of making general statements that may or may not apply in your situation. I don’t - juuuuust making sure I’m not off bas...
by RRAAYY3
Thu Mar 29, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

ReformedSpender wrote:
Thu Mar 29, 2018 3:08 pm
So after January's enthusiastic +8% move followed by February/March pessimistic 10% move down, markets closed this qtr negative but ever so slightly...


:beer
Looking at Jan 2 - Now ... Basically, nothing happened
by RRAAYY3
Thu Mar 29, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy RE: Taxes / Retirement ?
Replies: 8
Views: 792

Re: Sound Strategy RE: Taxes / Retirement ?

My questions, I thought, were pretty straight forward

Yes, things change / past results don’t predict future blah blah blah ...

I save / invest 40% of my gross and view my taxable as part of my overall retirement portfolio

Basically, is this logical / sensible / practical / a sound strategy ?
by RRAAYY3
Thu Mar 29, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy RE: Taxes / Retirement ?
Replies: 8
Views: 792

Re: Sound Strategy RE: Taxes / Retirement ?

Thank you all It was a blessing / curse graduating during the financial crisis. I worked hard, for terrible pay, but learned how to enjoy life on a pathetic salary Fast forward 10 years (8 years of “higher education”), and I’m now what most would consider “successful”. The thing is, salary has basic...
by RRAAYY3
Thu Mar 29, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Sound Strategy RE: Taxes / Retirement ?
Replies: 8
Views: 792

Sound Strategy RE: Taxes / Retirement ?

I plan on retiring early [or at least being financially able to do so]: 1. Is it wrong to view a taxable account as part of my retirement package/portfolio? 2. I understand fund placement/tax efficiency/cap gains as well as asset allocation [ thanks BH ! ] So, my plan as of now [say, 20 years from r...
by RRAAYY3
Tue Mar 27, 2018 11:28 pm
Forum: Investing - Theory, News & General
Topic: Is technical analysis all smoke and mirrors?
Replies: 62
Views: 5162

Re: Is technical analysis all smoke and mirrors?

My buddy works on Wall Street - another is a financial advisor

Both, in casual conversation, refer to “the market” as “BS”

Because it is.
by RRAAYY3
Tue Mar 27, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Welp, my e-fund is back where it needs to be ... You’re move Mr. Market. It really is such a bunch of BS ... I love how everyone’s “anti Tech” now

“Facebook stole my privacy” No, you morons broadcasted your life to the world and now need to be faux outraged about something

Yawn
by RRAAYY3
Tue Mar 27, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Freedom of speech? Expressing of an opinion, half serious, on a funny amusing message board thread? You can keep looking for an argument if you’d like, just look elsewhere. Happy Tuesday ! Got it. I assumed you were making serious predictions of some sort that you thought conveyed useful informatio...
by RRAAYY3
Tue Mar 27, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Guess it’s gonna go up heading into the holiday weekend ... followed by some volatility that causes another “crash”, then further upward movement in a less steady fashion than 2017 How might you know any of that to be true or even probably true? 2. The actual fundamentals are still strong. Do I kno...
by RRAAYY3
Tue Mar 27, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Welp, it’s back to being called a “buying opportunity” by the talking heads ... Why do you listen to them? Guess it’s gonna go up heading into the holiday weekend ... followed by some volatility that causes another “crash”, then further upward movement in a less steady fashion than 2017 How might y...
by RRAAYY3
Tue Mar 27, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Welp, it’s back to being called a “buying opportunity” by the talking heads ... Guess it’s gonna go up heading into the holiday weekend ... followed by some volatility that causes another “crash”, then further upward movement in a less steady fashion than 2017 I’m glad none of this nonsense has both...
by RRAAYY3
Mon Mar 26, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Equities are cool again Bonds still suck? Nominal 10-year treasuries are priced for a 0.78% expected real return, 0.63% for 5-year treasuries. Not bad! aren't high yield savings accounts better ? Real return means after inflation. High yield savings are priced for closer to a 0.5% real loss . oh .....
by RRAAYY3
Mon Mar 26, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

triceratop wrote:
Mon Mar 26, 2018 6:11 pm
RRAAYY3 wrote:
Mon Mar 26, 2018 5:51 pm
Equities are cool again

Bonds still suck?
Nominal 10-year treasuries are priced for a 0.78% expected real return, 0.63% for 5-year treasuries. Not bad!
aren't high yield savings accounts better ?
by RRAAYY3
Mon Mar 26, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Equities are cool again

Bonds still suck?
by RRAAYY3
Mon Mar 26, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

Thank you all Seems like it’s an option I should continue exploring. This likely wouldn’t even occur until the fall (after researching all summer) I don’t make spontaneous purchases, ever - I’ll reseaech a beer in the store before I buy a 6 pack if I have to The reality of putting so little down, ac...
by RRAAYY3
Mon Mar 26, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

He did buy it - no reason to use quotes around “bought”. I have bought a house with little down and it worked out well for me. I bought another house with a decent down payment and was underwater during the 2008 housing crisis. Is putting 3% down risky in the current situation? Well, what is your f...
by RRAAYY3
Mon Mar 26, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

I will definitely not be rushing into any of this I will definitely sit down and get a more in depth breakdown of “the numbers” - we’re close so it won’t be weird or too personal I was just caught off guard by how little you can put down and still net a reduced monthly living expense (while building...
by RRAAYY3
Mon Mar 26, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

Something to think about. Does he have a fixed interest loan or is it adjustible ARM? An ARM can cause interesting things to happen as rates change. Is the loan 100 percent bank financing or is some prior owner financing involved? If owner-financing involved people often overpay to get the financin...
by RRAAYY3
Mon Mar 26, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

With recent market turmoil / geopolitical nonsense, I’ve been wondering if real estate / income property is the next best place to “invest.” I don't like the thought process here. There is always market turmoil and geopolitical nonsense and real estate is always a viable investment in general for t...
by RRAAYY3
Mon Mar 26, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

Is it ever wise to put less than 20% on a property? Not sure I understand. Why wouldn't you put in as little as possible if you could do that. The 20% is demanded by the banks to protect them in case you stop paying the loan early on. They can use the 20% value to defray the costs of unloading the ...
by RRAAYY3
Sun Mar 25, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

So ... I’m still not sure if I’m getting a “yes, look further into this” or “no, 20% down payment at least” response ... How deep are your resources? Can you afford a minimum 20% down payment on the following criteria: 1 Purchase a property in an area of high appreciative value such that you could ...
by RRAAYY3
Sun Mar 25, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

It's possible your friend has prior experience with real estate that might not be readily apparent. Perhaps his parents/grandparents/etc had rental property so he may be familiar with the ins and outs of real estate even though it looks like he's just getting started to you. His dad knows a thing o...
by RRAAYY3
Sun Mar 25, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

So ...

I’m still not sure if I’m getting a “yes, look further into this” or “no, 20% down payment at least” response ...
by RRAAYY3
Sun Mar 25, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

Definitely not a “get rich quick” kinda guy

Market outleak being bleak for the next decade (still invested and max out tax advantaged space) + my friend’s monthly breakdown with so little down has me reconsidering
by RRAAYY3
Sun Mar 25, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Protecting principal with no risk: seeking validation Im not crazy or stupid
Replies: 31
Views: 3695

Re: Protecting principal with no risk: seeking validation Im not crazy or stupid

January’s ridiculous run up is making all this recent nonsense look worse than it actually is But if you’re conservative / near retirement - hold onto what you have is not “stupid”. I get it My outlook is 20+ years, so this recent turmoil is nothing more than a chance to buy things cheaper than they...
by RRAAYY3
Sun Mar 25, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: What is the chance of a purchase decreasing in value at some point?
Replies: 10
Views: 900

Re: What is the chance of a purchase decreasing in value at some point?

Don’t sell ... the “loss” is irrelevant - until you click the button and make it a reality. Markets go down? Cool, buy more for cheaper and lower your cost basis. Markets go up? Cool your money made money. Don’t invest what you’ll need in the next 5 years, CDs / high yield savings instead oh, and st...
by RRAAYY3
Sun Mar 25, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Re: Buying a two family “investment” home

Seems to me having essentially no downpayment is going to materially increase your interest rate on the entire loan. Say you could get 4.5% on 80% or 5.0% on 97%. That is basically similar to 4.5% on the 80% and something like 7% on the additional 17%. Or maybe you have PMI which is basically like ...
by RRAAYY3
Sun Mar 25, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 2853

Buying a two family “investment” home

Is it ever wise to put less than 20% on a property? A friend recently “bought” a 2 family home with 3% down ... with collecting rent his monthly cost of “living” expense is less than 1,000/month (This is a HCOL area). With recent market turmoil / geopolitical nonsense, I’ve been wondering if real es...
by RRAAYY3
Fri Mar 23, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Trade wars and international equities
Replies: 17
Views: 2607

Re: Trade wars and international equities

Washington does seem to pay attention to the markets ...

Maybe they’ll make changes once those gains continue dwindling away ...
by RRAAYY3
Fri Mar 23, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Trade wars and international equities
Replies: 17
Views: 2607

Re: Trade wars and international equities

livesoft wrote:
Fri Mar 23, 2018 7:43 pm
RRAAYY3 wrote:
Fri Mar 23, 2018 7:28 pm
... 1 day tells the tale?
Yes, it tells the tale of today.
so Int’l index > Total US because of one day?
by RRAAYY3
Fri Mar 23, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Just Starting - Inevitable Bear Market?
Replies: 13
Views: 2059

Re: Just Starting - Inevitable Bear Market?

once everyone tunes out Washington again and gets over this faux outrage re: Facebook / technology the bull will continue This Facebook nonsense is absurd “Boohoo I document and broadcast every aspect of my daily life on various social platforms but omg I like totally want privacy boohoo.” (Disclaim...
by RRAAYY3
Fri Mar 23, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: Trade wars and international equities
Replies: 17
Views: 2607

Re: Trade wars and international equities

livesoft wrote:
Fri Mar 23, 2018 5:58 pm
Take a look please at the one-day returns of international index funds versus the US index funds.

What do you see?

If you don't see that International funds did significantly better than US funds today, then you have a bias.
... 1 day tells the tale?
by RRAAYY3
Fri Mar 23, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: Trade wars and international equities
Replies: 17
Views: 2607

Re: Trade wars and international equities

Nobody wins, everyone loses, and <nevermind I don’t want to get banned but you’ve all got to be sick of this insanity, right?>
by RRAAYY3
Fri Mar 23, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Yeah, everyone in the world who owns stock lost money today. You’re certainly not alone 😀 I didn't. I didn't sell. :wink: This is one of my favorite untruths. The idea that if you didn't sell you didn't loose. You may not have "realized" the loss, but you lost. Thanks, didn’t realize if one has an ...
by RRAAYY3
Fri Mar 23, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Buying opportunity?

I hear trade wars are easy to win
by RRAAYY3
Wed Mar 07, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Every time I think I know what the market will do ... it pretty much does nothing or the opposite

Thought today would be the start of correction 2.0
by RRAAYY3
Wed Mar 07, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435228

Re: U.S. stocks in freefall

Let’s try again

Would these recent economic developments signal a potential benefit or detriment to certain funds

i.e. International vs US Index Funds

Or, would both likely decrease in value per share?

I love peanut butter.
by RRAAYY3
Wed Mar 07, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Contribute $43K to shed $8K on Tax Bill....Does it make sense?
Replies: 12
Views: 1306

Re: Contribute $43K to shed $8K on Tax Bill....Does it make sense?

My MAGi is above the limit for nondeductible tIRA, but maxing my 401K should lower my taxable income correct? There are no limits for nondeductible tIRA contributions. Along with no income limits on Roth conversion, those are the bases for the Backdoor Roth. Hmmm ... wiki shows income limits for IR...
by RRAAYY3
Wed Mar 07, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Contribute $43K to shed $8K on Tax Bill....Does it make sense?
Replies: 12
Views: 1306

Re: Contribute $43K to shed $8K on Tax Bill....Does it make sense?

Interesting thread

Are 401Ks handled the same as non deductible Traditional IRAs regarding income limits

My MAGi is above the limit for nondeductible tIRA, but maxing my 401K should lower my taxable income correct?
by RRAAYY3
Tue Mar 06, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investing For Income
Replies: 10
Views: 1431

Re: Investing For Income

12-18 month CD ladder
by RRAAYY3
Tue Mar 06, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 5973

Re: Which car, Porsche Cayenne or Volvo XC90?

The Porsche is way more fun and probably not much more expensive to repair than the Volvo and it is likely far more reliable. Volvo is not the most reliable brand and when you use both turbo and super chargers you can bet you’re going to spend a decent amount of time in the shop. The Porsche on the...