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  1. #31
    Registered User DrWilliam's Avatar
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    Originally Posted by Bar182 View Post
    "People have been saying this for years"

    The business cycle became the longest in history last month mate.
    Which means... absolutely nothing lol
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  2. #32
    test the limits RobParks2M's Avatar
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    Originally Posted by Bar182 View Post
    "People have been saying this for years"

    The business cycle became the longest in history last month mate.
    People were saying in 2011 and 2012 the markets were right for a pull back. These markets are unprecedented with the ease of borrowing money at low cost. At somepoint we will have to deleverage, but with interest rates scaled back already today is not the day. Regardless I agree to an extent and have cash on hand. I'm keeping at least half my net worth liquid just in case. I'd rather be sad I wasn't greedier than sad that I am bag holding all in.
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  3. #33
    ๐Ÿ…ณ๐Ÿ…ฐ๐Ÿ†‚ ๐Ÿ…ธ๐Ÿ†ƒ Luc1fer's Avatar
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    Originally Posted by RobParks2M View Post
    People were saying in 2011 and 2012 the markets were right for a pull back. These markets are unprecedented with the ease of borrowing money at low cost. At somepoint we will have to deleverage, but with interest rates scaled back already today is not the day. Regardless I agree to an extent and have cash on hand. I'm keeping at least half my net worth liquid just in case. I'd rather be sad I wasn't greedier than sad that I am bag holding all in.
    So what's your specific investment plan for that cash?
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  4. #34
    test the limits RobParks2M's Avatar
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    Originally Posted by Luc1fer View Post
    So what's your specific investment plan for that cash?
    I made a thread about what I've done with it. I put it in a capital one money market account currently. 2% interest + $200(or $250 I don't recall) after 90 days. I'll probably move it around assuming I can find other companies offering money market bonuses. I should have prefaced what I said with I am pretty leveraged right now between student loans, home, and auto. If that wasn't the case I'd have more in the market. I probably should pay down loans with what I have saved, but I like 6-8 months cushion just in case.
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  5. #35
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    Originally Posted by RobParks2M View Post
    I made a thread about what I've done with it. I put it in a capital one money market account currently. 2% interest + $200(or $250 I don't recall) after 90 days. I'll probably move it around assuming I can find other companies offering money market bonuses. I should have prefaced what I said with I am pretty leveraged right now between student loans, home, and auto. If that wasn't the case I'd have more in the market. I probably should pay down loans with what I have saved, but I like 6-8 months cushion just in case.
    Do you have a thread, it's always interesting whether a person should pay down a loan vs. invest; depends on the rates, timeframe, risk tolerance etc.

    Personally I'd prefer to pay down any 3%+ loans, since it's effectively a 3% guaranteed return.
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  6. #36
    test the limits RobParks2M's Avatar
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    Originally Posted by Luc1fer View Post
    Do you have a thread, it's always interesting whether a person should pay down a loan vs. invest; depends on the rates, timeframe, risk tolerance etc.

    Personally I'd prefer to pay down any 3%+ loans, since it's effectively a 3% guaranteed return.
    Indeed. It is in the education section here. I also made a thread trying to decide if paying down student loans faster is worthwhile lmao. Yeah collectively 5% "return" or saved I suppose would be the proper word. I'd just hate to have something happen at work and be stuck worried about maintaining lifestyle.
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  7. #37
    Registered User Bar182's Avatar
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    Originally Posted by DrWilliam View Post
    Which means... absolutely nothing lol
    The length of the cycle doesn't determine its end, but... you are extremely late to the party. You can squeeze out the last juice to the upside if you like, but the risk reward isn't there for me.

    Originally Posted by RobParks2M View Post
    People were saying in 2011 and 2012 the markets were right for a pull back. These markets are unprecedented with the ease of borrowing money at low cost. At somepoint we will have to deleverage, but with interest rates scaled back already today is not the day. Regardless I agree to an extent and have cash on hand. I'm keeping at least half my net worth liquid just in case. I'd rather be sad I wasn't greedier than sad that I am bag holding all in.
    Like I said in my other post if we were a few years into a new business cycle (i.e 2011/2012 you mentioned) I would have no problem with DCA'ing into the markets regardless of what "people" were saying. Currently? not worth it.
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  8. #38
    Registered User TheHulkster69's Avatar
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    Originally Posted by DoragonKingu View Post
    What can I do with $50,000 to create monthly income? Where and how should I invest it? Is it better to go to Charles Schwab or Vanguard?
    Vanguard is one of the best options for cheap rates, I use it personally. I would also recommend getting at least a small portion of your position exposed to cryptocurrency, a quick google search turned up the article below and I'd put the rest into standard index funds. It won't necessarily make "monthly income" as you say since you'll be exposed to standard risk but it will generate long term capital growth at minimal work/expense to yourself, certainly better than nothing.

    Edit, can't post articles, but I'd just google blockchain stocks 2019.
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  9. #39
    Registered User DoragonKingu's Avatar
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    It looks like the Stock market is very dangerous right now with all the trade wars going on. I am thinking of putting my money into a high yield savings account which one do you guys recommend?
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  10. #40
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    Originally Posted by DoragonKingu View Post
    I am thinking of putting my money into a high yield savings account which one do you guys recommend?
    There are a ton out there that offer 2-2.5% rates. This week I did a ton of research on nerdwallet and two other sites and ended up choosing Live Oak bank at 2.3% simply because they didn't have any kind of fees and they had the highest average customer review. Probably doesn't matter too much but I would do some research yourself before choosing one.

    https://www.bankrate.com/banking/savings/rates/

    https://www.gobankingrates.com/banki...ings-accounts/

    https://www.nerdwallet.com/best/bank...vings-accounts
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  11. #41
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    There will be a recession soon. Wait until it happens and then invest...only difficulty will be discerning when it hits rock bottom
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  13. #43
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    Check out AT&T and their dividends.

    With them, you basically need 1.5MM and purely from dividends, AT&T pays you 100k/yr (prior to taxes)

    I currently get free shares every quarter from them because I do dividend reinvestment. TD Ameritrade takes my dividends, without any fees, and buys more stock. It's compounding.


    Obviously, the market can crash and it can go to 0 at any time. AT&T hasn't lowered their dividends since '03, right through the housing crash. Leads me to believe in their stability. Their stock price doesnt move too much, either.. Almost like a REIT, but much more legit IMO.
    Last edited by BullittEV; 08-19-2019 at 08:21 PM.
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  14. #44
    Driving Misc Crazy sword_'s Avatar
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    Careful investing too fast too soon.
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  15. #45
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    Originally Posted by BullittEV View Post
    Check out AT&T and their dividends.

    With them, you basically need 1.5MM and purely from dividends, AT&T pays you 100k/yr (prior to taxes)

    I currently get free shares every quarter from them because I do dividend reinvestment. TD Ameritrade takes my dividends, without any fees, and buys more stock. It's compounding.

    Obviously, the market can crash and it can go to 0 at any time. AT&T hasn't lowered their dividends since '03, right through the housing crash. Leads me to believe in their stability. Their stock price doesnt move too much, either.. Almost like a REIT, but much more legit IMO.
    Dividends are treated as normal income, why would you even want high dividends since you have to pay income tax rates? I strive for lower dividends in taxable.
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  16. #46
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    My advice is learn about options and start selling credit spreads. You have a decent amount of capital so it's best to keep your investments liquid. Right now it is a great time to take advantage of market volatility. The amount of risk you take is completely up to you, and as long as you hedge your short positions you will know your maximum risk/loss before you even put on the trade. Let the bagholders hang onto their stock and worry about paper gains/losses.

    Learn to trade SPX or a similar index as it is cash settled and no risk of assignment. You don't even need to pick a bearish/bullish direction in the market you can open up a neutral position like a strangle or butterfly and play the volatility game. Most of the time my short positions expire worthless and if my sold calls ever get in the money I sell far out enough to where its a wash or I open up another leg to collect credit towards my short. Save the ETF's and value stocks for your 401k or IRA and play it safe there.
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    Originally Posted by lucairv View Post
    My advice is learn about options and start selling credit spreads. You have a decent amount of capital so it's best to keep your investments liquid. Right now it is a great time to take advantage of market volatility. The amount of risk you take is completely up to you, and as long as you hedge your short positions you will know your maximum risk/loss before you even put on the trade. Let the bagholders hang onto their stock and worry about paper gains/losses.

    Learn to trade SPX or a similar index as it is cash settled and no risk of assignment. You don't even need to pick a bearish/bullish direction in the market you can open up a neutral position like a strangle or butterfly and play the volatility game. Most of the time my short positions expire worthless and if my sold calls ever get in the money I sell far out enough to where its a wash or I open up another leg to collect credit towards my short. Save the ETF's and value stocks for your 401k or IRA and play it safe there.
    How much net worth have you amassed doing this?
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  18. #48
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    Originally Posted by Luc1fer View Post
    Do you have a thread, it's always interesting whether a person should pay down a loan vs. invest; depends on the rates, timeframe, risk tolerance etc.

    Personally I'd prefer to pay down any 3%+ loans, since it's effectively a 3% guaranteed return.
    I was always an invest and get the most returns for my money type of guy. Friend got me listening to Dave Ramsey. Did the math. 2% auto loan. 2% MC loan. 4% Mortgage on my house. Considering those loans are 8% total and I owed more money on them then I had in the market. I wasn't really building wealth even though I was averaging about 12% returns through Vanguard.


    I paid off the truck and MC and no looking back. Now I'm going to go 50% of my spare income onto the house 50% into the S&P. Getting rid of all consumer debt is a huge advantage and a huge weight off your shoulders. The only valid argument I can see for carrying debt is to leverage the banks money for real estate or if you own a business and are making a tremendous amount of money off of that debt. Either way risk goes up when your in debt.





    I intend on getting and staying debt free. Or if I do ever finance anything again I'd want a passive income to cover that loan. IE if I have rental properties generating an income to cover the cost of the financed property/asset.
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  19. #49
    Spoon Pic Connoisseur adamsz's Avatar
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    Originally Posted by guest89 View Post
    I was always an invest and get the most returns for my money type of guy. Friend got me listening to Dave Ramsey. Did the math. 2% auto loan. 2% MC loan. 4% Mortgage on my house. Considering those loans are 8% total and I owed more money on them then I had in the market. I wasn't really building wealth even though I was averaging about 12% returns through Vanguard.


    I paid off the truck and MC and no looking back. Now I'm going to go 50% of my spare income onto the house 50% into the S&P. Getting rid of all consumer debt is a huge advantage and a huge weight off your shoulders. The only valid argument I can see for carrying debt is to leverage the banks money for real estate or if you own a business and are making a tremendous amount of money off of that debt. Either way risk goes up when your in debt.





    I intend on getting and staying debt free. Or if I do ever finance anything again I'd want a passive income to cover that loan. IE if I have rental properties generating an income to cover the cost of the financed property/asset.
    why would you pay off a mortgage - which is often the largest sum of debt someone can have - when it is only 3-4% interest when you can make double, triple or quadruple that in the market over time.

    Opportunity cost dude.
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  20. #50
    Registered User meanstringbean's Avatar
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    Originally Posted by Bar182 View Post
    We are currently in the longest business cycle in history and people are telling you to invest right now. If we were a few years into a new business cycle sure just invest but now?

    Personally this seems like a very bad time to invest. A correction will come and it shouldn't be too far away. I say wait.
    The market was fairly valued based on historicals back in 2013. If you say out waiting for the crash youโ€™d miss part of the biggest bull market run in history.


    Just lol. Put it in now, if the market crashes then ride it out in 2-3 years itโ€™ll be back again
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  21. #51
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    Originally Posted by meanstringbean View Post
    The market was fairly valued based on historicals back in 2013. If you say out waiting for the crash youโ€™d miss part of the biggest bull market run in history.


    Just lol. Put it in now, if the market crashes then ride it out in 2-3 years itโ€™ll be back again
    Been buying and holding equities since the '08 crash, I just liquidated 25% of my stack earlier today and I'm ready to take more out too.

    These gains are too joocy to give up and I don't trust Trump the Tariff man and Winnie the Xi over in China not to fuk the global ecosystem into a coma. Plus Brexit, plus negative yields over in Eurocuck zone, multiple countries on the verge of defaulting, slowing economic growth, etc.

    This strikes me as a "be patient and wait n' see" moment. I'm still hoping for one more ripper of a rally before the chickens come home to roost but not confident enough in it to stay 95-100% balls deep.
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  22. #52
    Registered User Bar182's Avatar
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    Originally Posted by meanstringbean View Post
    The market was fairly valued based on historicals back in 2013. If you say out waiting for the crash youโ€™d miss part of the biggest bull market run in history.


    Just lol. Put it in now, if the market crashes then ride it out in 2-3 years itโ€™ll be back again
    But I wouldn't be waiting for a crash in 2013 would I? try reading what I wrote.
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  23. #53
    Squats for the Twats Jerma's Avatar
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    buy 5 BTC and wait 2.5 years and pull out 10%
    Dude.....no
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  24. #54
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    chainlink brah
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  25. #55
    Platimun Account Plus โ˜‘๏ธ twopiece's Avatar
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    Go all in on TSLA sh!tputs
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  26. #56
    MAGA VegasLifter26's Avatar
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    usually the market goes down 2 years into a presidents second term. so i would invest now
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  27. #57
    nah bro im sweat mike.hunt's Avatar
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    Lol at Bitcoiners

    You think people gonna hold onto their fake coins during a recession? Makes 0 sense, BTC will crash with the rest of the market
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  28. #58
    ๐Ÿ…ณ๐Ÿ…ฐ๐Ÿ†‚ ๐Ÿ…ธ๐Ÿ†ƒ Luc1fer's Avatar
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    Originally Posted by mike.hunt View Post
    Lol at Bitcoiners

    You think people gonna hold onto their fake coins during a recession? Makes 0 sense, BTC will crash with the rest of the market
    SP500 up almost 25% this year, you still on the sidelines? I remember a bunch of you guys calling for imminent recession abut a year ago.

    Hint: youโ€™re doing it wrong. Invest an AA according to risk profile and stop trying to make predictions.
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  29. #59
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    Thumbs up

    50% - buy bitcoins
    50% - buy shares of the it sector
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  30. #60
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    Learn forex/cryptocurrency trading. That seems like a good amount for a trading account.
    Get RIPPED or DIE tryin'
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