2025
#132
I saw this quote on a different forum which sums it up nicely.
There are two novels that can change a bookish fourteen-year old’s life: The Lord of the Rings and Atlas Shrugged. One is a childish fantasy that often engenders a lifelong obsession with its unbelievable heroes, leading to an emotionally stunted, socially crippled adulthood, unable to deal with the real world. The other, of course, involves orcs.
-- John Rogers
There are two novels that can change a bookish fourteen-year old’s life: The Lord of the Rings and Atlas Shrugged. One is a childish fantasy that often engenders a lifelong obsession with its unbelievable heroes, leading to an emotionally stunted, socially crippled adulthood, unable to deal with the real world. The other, of course, involves orcs.
-- John Rogers
#133
I’ve come to this conclusion as well.
#134
Gets Weekends Off
Joined APC: Jul 2014
Posts: 168
I’ve been considering putting some “cash” in government iBonds. The fixed portion of the rate will reset in May and should be a little higher. The variable portion floats based on inflation.
The benefit to these are they are state tax exempt and should be a higher ROR than TIPS.
The downside is the max you can buy is $10k/SSn a year, and redeeming early forfeits 3 months interest.
To me these seem as safe as a CD/Money market, but maybe a little higher rate or return with tax efficiency. Anyone ever get into these?
https://treasurydirect.gov/indiv/res...res_ibonds.htm
#threaddrift
The benefit to these are they are state tax exempt and should be a higher ROR than TIPS.
The downside is the max you can buy is $10k/SSn a year, and redeeming early forfeits 3 months interest.
To me these seem as safe as a CD/Money market, but maybe a little higher rate or return with tax efficiency. Anyone ever get into these?
https://treasurydirect.gov/indiv/res...res_ibonds.htm
#threaddrift
#137
One question. The sentence I highlighted. It might be hard for you to put yourself in the mode for this, but if you were there right now, where would you put money to reduce risk and get any kind of return? I'm just curious because I really don't think there is any place at the moment other than perhaps high dividend yielding stocks. Bonds suck... wwyd?
Highly Recommend EPD and MMP
DDYOD links:
https://www.simplysafedividends.com/...tnerships-mlps
https://seekingalpha.com/article/441...n-sale-u-s-lng
Sent from my SM-N986U using Tapatalk
#138
Also REITs, etc are counter cyclical to stock performance. Yet their returns are significantly better than bonds. Bonds are often recommended by financial planners to balance stock performance in a portfolio.
#139
Gets Weekends Off
Joined APC: Jun 2015
Posts: 1,631
I’ve been considering putting some “cash” in government iBonds. The fixed portion of the rate will reset in May and should be a little higher. The variable portion floats based on inflation.
The benefit to these are they are state tax exempt and should be a higher ROR than TIPS.
The downside is the max you can buy is $10k/SSn a year, and redeeming early forfeits 3 months interest.
To me these seem as safe as a CD/Money market, but maybe a little higher rate or return with tax efficiency. Anyone ever get into these?
https://treasurydirect.gov/indiv/res...res_ibonds.htm
#threaddrift
The benefit to these are they are state tax exempt and should be a higher ROR than TIPS.
The downside is the max you can buy is $10k/SSn a year, and redeeming early forfeits 3 months interest.
To me these seem as safe as a CD/Money market, but maybe a little higher rate or return with tax efficiency. Anyone ever get into these?
https://treasurydirect.gov/indiv/res...res_ibonds.htm
#threaddrift
May Auction yields 3.54%
#140
Gets Weekends Off
Joined APC: May 2015
Position: everywhere but nowhere
Posts: 415
Politics and politicians don’t matter. Never have.
Business runs the world.
94 million millennials are entering their first prime spending years. That’s why housing is off the charts.
Remember the stick market in the 1990s? Up and up and up and up.
Its just math. Just demographics.
94 million millennials are inheriting $76 trillion. The largest wealth transfer in the history of the world.
Relax and enjoy the ride.
In 2023 we will enjoy $100,000 plus profit sharing checks. As oil collapses and our economy explodes.
Business runs the world.
94 million millennials are entering their first prime spending years. That’s why housing is off the charts.
Remember the stick market in the 1990s? Up and up and up and up.
Its just math. Just demographics.
94 million millennials are inheriting $76 trillion. The largest wealth transfer in the history of the world.
Relax and enjoy the ride.
In 2023 we will enjoy $100,000 plus profit sharing checks. As oil collapses and our economy explodes.
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