Investment BS Thread - Stocks/Futures/Mutual Funds/Bonds/Commodities/Options/ETFs/401ks/Etc

The problem with all of these streaming services being common are that there's now a battle going on between these content providers. You've already seen many studios yanking their content off of larger streaming services (like Disney with Netflix as one example).. eventually every content provider will exclusively have their own content on their own app or streaming service, which is going to get annoying extremely quickly. Especially since every UI has their own structure and remembering each one already is getting annoying. Plus no one is going to pay for every content provider, people cut the cord for a reason and it was because it was too damn expensive.

People have to learn to say "no" to this type of shit or else we're going to get bent over all over again and pay out the ass to watch TV. My internet costs are already going up because they know I can't live without it even if I don't pay for a cable service.

 

So Pinterest makes money by ad revenue and being a middle man for consumer products (i.e. they 'are' the advertisers). Seems kinda weak to me but I often underestimate the mindless consumerist nature of the average American.


Funny that Netflix is going to clamp down on that because I remember the CEO totally being okay with sharing the app with friends. Guess being unprofitable for so long kinda changes people's view on things huh? Kinda like the $35k Tesla


So I guess the early adopters of streaming services enjoyed their hayday while it lasted, now we are reaching the growth stage where there are tons of players that have yet to get weeded out. Wonder who will be left standing when the cycle enters maturity?

 

When you say cycle I think you hit in the head. Start-ups through their scrappyness carve out a new niche market. This attracts attention of a like industry corporate giant that proceeds to do a cannon ball into the pool of that success. In essences washes out a lot of the frail players in the segment.

 

I might have the most defensive portfolio you could possibly make (very heavy on consumer staples, light on tech). On up days, I usually lag behind a little. On days like today, I am up half of a percent. I think I am getting beat by the market a little this year though. Ready for the next recession!

 

I have my eye on MSFT, INTC, and CSCO. I need to get more tech, need them to pay dividends though. They all seem high to buy right now though.

 

Hey guys, dumb question about IRAs.
Are there Roth and non-Roth versions?
Is it true you can pull out any money without being taxed, With the exception of any gains made?

 

ROTH the money going in is taxed but all money coming out is not taxed (including gains so your money grows tax free).

Regular IRA money going in is not taxed but all money coming out is taxed (hopefully at a lower rate since you’re old and retired at this point).

I think there’s penalties for taking money out early for both, not sure on that one.

 

How do you put pre-tax money into an IRA? Direct deposit from paycheck?

 

Perfect thanks! I am thinking about setting up an IRA in addition to my 401k as a place to store savings and simultaneously invest. That way I can invest money that I can still withdraw but would earn more % than a regular savings account. Unlike my 401k which would have a penalty. Maybe a bit riskier than a savings account since I can lose the money, but it would be a good place to put money that is greater than 3-6 months expenses since the 3-6 months emergency would be in a cash reserve. What do y'all think?

 

That's my philosophy as well, keep 3-6 months expenses in a cash account like Marcus / Ally etc (which I already do have).. anything I save beyond say, 6 months expenses would go into an IRA that would theoretically grow faster than the 2.25% APY. But IF shit really hit the fan, I could at least pull out the Roth IRA contributions without penalty.

 

Just another option - I keep my emergency cash of 25k in the vanguard prime money market mutual fund which yields 2.44%.

 

VMRXX?

 

Correct

 

I don't see 2.44% anywhere
I just received this prospectus today