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

Discussion in 'Stocks & Investments' started by ThunderOne, Feb 1, 2018.

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  1. Jun 28, 2019 at 4:45 PM
    #3681
    sandjunkie

    sandjunkie Well-Known Member

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    High price to pay for healthcare either way. Thank you for your service.
     
  2. Jun 28, 2019 at 4:48 PM
    #3682
    Boyk1182

    Boyk1182 Well-Known Member

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    Thank you. It truly makes early retirement a possibility. That’s why I always say everyone’s situation is different so investing should reflect that. I don’t like the cookie cutter advice I always hear, you have to do what works for you.
     
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  3. Jun 28, 2019 at 4:54 PM
    #3683
    sandjunkie

    sandjunkie Well-Known Member

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    I completely agree. That why when I folks espouse things like never establish debt or always pay off your house, it bothers me because there is no always or never when it comes financial advice. Options should be weighed against sound financial principles, a course established, and results should be evaluated for changing circumstances and adjusted.
     
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  4. Jun 28, 2019 at 4:58 PM
    #3684
    Boyk1182

    Boyk1182 Well-Known Member

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    I just run the numbers on each option and try to do what’s most beneficial. I don’t think enough people do that though, and it limits their potential. You have to have an open mind because the simplest way isn’t always the best way.
     
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  5. Jun 28, 2019 at 7:57 PM
    #3685
    ThunderOne

    ThunderOne [OP] Well-Known Member

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    Well I was more curious about the model building side of it haha
     
  6. Jun 28, 2019 at 7:58 PM
    #3686
    ThunderOne

    ThunderOne [OP] Well-Known Member

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    What is the difference between 403b and 401k?
     
  7. Jun 28, 2019 at 8:12 PM
    #3687
    sandjunkie

    sandjunkie Well-Known Member

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    Nearly the same. 403b is for not-for-profit status organizations. 457 is nearly the same as 403b but without the penalty for early withdrawal.
     
  8. Jun 29, 2019 at 11:37 AM
    #3688
    JDR07

    JDR07 Well-Known Member

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    You gotta work for a governmental or non-profit that offers the plan
     
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  9. Jun 30, 2019 at 3:13 PM
    #3689
    Boyk1182

    Boyk1182 Well-Known Member

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    We might hit 3,000 this week, futures are at 2,975!
     
    Last edited: Jun 30, 2019
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  10. Jun 30, 2019 at 5:40 PM
    #3690
    SpanishTaco

    SpanishTaco Well-Known Member

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    Here's some factors to include, although somewhat arbitrary:
    Political changes affecting costs (higher property taxes)
    Redistricting and consolidation of schools die to cost and town's inability to establish a budget.

    I lost over $30k in an attempt to get out of a dying town to get a better education for my kids. Town I left was going broke fast, and cost school system was primary factor in that. I'm not sure if accepting that loss at that time was worth it, but 7 years later feel justified since my kids are better prepared for post high school.

    The point to this is despire the best of plans, there will be many factors to force you to alter your financial trajectory. At the time we moved, it felt like we were sinking fast, but recovery was soon to come and my kids are better prepared to succeed later in life, all important things that affect your financial perapective...not just retirement.

    Point is, I don't think ot will be possible to develop any algorythm that would be able to capture every possible factor that would affect your financial scenario.
     
  11. Jun 30, 2019 at 5:59 PM
    #3691
    PackCon

    PackCon Well-Known Member

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    Well thats obviously true but I’m not talking an equation that deals with such life issues. I’m talking only math items. There are other risk factors like that to include (which is why I believe in paying off my home rather than invest more... risk and choices).
     
  12. Jul 1, 2019 at 4:05 AM
    #3692
    broke_down

    broke_down highly opinionated with little experience

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    Last edited: Jul 1, 2019
  13. Jul 1, 2019 at 4:44 AM
    #3693
    TacomaSport86

    TacomaSport86 2010 Tacoma/2016 4Runner Pro

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    Off we go, China deal is done.
     
  14. Jul 1, 2019 at 6:45 AM
    #3694
    Boyk1182

    Boyk1182 Well-Known Member

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    The yield curve that has been a predictor of recessions is the 2-year and the 10-year, and the 10-year is still .25 above the 2-year, and they have not inverted yet (since the last recession). I do think that these other inversions are probably not a good sign though.
     
  15. Jul 1, 2019 at 12:22 PM
    #3695
    TacomaSport86

    TacomaSport86 2010 Tacoma/2016 4Runner Pro

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    Herbert Wertheim, I like his style.
     
  16. Jul 2, 2019 at 7:36 AM
    #3696
    whitedlite

    whitedlite Well-Known Member

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    Last edited: Jul 2, 2019
    Boyk1182 likes this.
  17. Jul 2, 2019 at 8:12 AM
    #3697
    ThunderOne

    ThunderOne [OP] Well-Known Member

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    I don't believe it until the 2 year and 10 year invert. This weird inverse humped yield curve is something no one is really talking about - there don't seem to be any historical implications as compared to a "typical" inverted curve.
     
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  18. Jul 2, 2019 at 11:52 AM
    #3698
    ThunderOne

    ThunderOne [OP] Well-Known Member

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    welp oil is taking a big ol poop today
     
  19. Jul 2, 2019 at 12:40 PM
    #3699
    Snowy

    Snowy Is neither here nor there

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    Yep.

    Guess who owns some Weatherford? :anonymous:
     
  20. Jul 2, 2019 at 1:07 PM
    #3700
    ThunderOne

    ThunderOne [OP] Well-Known Member

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    what the heck is that? Lol
     
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