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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 17, 2020 at 12:33 PM
    Beef Nachos

    Beef Nachos Here for a good time, not a long time

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  2. Jun 17, 2020 at 12:40 PM
    rmorse

    rmorse Well-Known Member

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    Cash at first and now tenants just direct deposit it into my bank account each month. Stupid easy. I write off a shit ton of expenses, it’s wonderful. One of the biggest upsides to reporting the income is that you can use it as income when applying for a loan for the next house. I believe a loan officer is only going to count rental income when it’s been a couple years. So if you do it, make sure you stop letting your friend live there for free when you’re a couple years out from buying another house or getting another mortgage.
     
  3. Jun 17, 2020 at 12:44 PM
    GarlicFarts

    GarlicFarts Bertolli Roberto

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    NICE. I dropped MRO and moved it to NRGU today, you hit at 4.50? it's at 4.44 as I type this so probably. Assuming this will see an uptick in the next few weeks, tons of stuff about oil going up in price......Maybe because it's being driven by SA/RUS oil production?
     
  4. Jun 17, 2020 at 12:47 PM
    GarlicFarts

    GarlicFarts Bertolli Roberto

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  5. Jun 17, 2020 at 12:50 PM
    rmorse

    rmorse Well-Known Member

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    lmao. Yea I hated that term when it came out.
    I gas hack sometimes though. I use my own legs to propel me places. Saves a couple bucks here and there on fuel. It can be in the form of a skateboard, bicycle, rollerblades, even walking! The sky is the limit...you just have to not be afraid to think outside the box
     
  6. Jun 17, 2020 at 1:01 PM
    GarlicFarts

    GarlicFarts Bertolli Roberto

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    I have a brake-lock brown moment at least once a week in my truck, let alone trying to ride to work on a bicycle would be terrifying o_O I've thought about it, there's a few routes I can take that make it a bit safer. Might try it if I can get a decent commuter bike set up, but right now I just have my MTB and don't want to road-ride that.
     
  7. Jun 17, 2020 at 1:04 PM
    rmorse

    rmorse Well-Known Member

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    Sounds like gas hacking isn’t for you then. You have to have a strong will and be a little bit off to successfully gas hack.

    You could try another method of saving money...Power Plumbing. It’s when you combine urinating with your shower. More advanced methods include peeing in the sink while washing your hands. You save a ton of money on your utilities.
     
    theredofshaw likes this.
  8. Jun 17, 2020 at 1:15 PM
    Iwilltaco

    Iwilltaco Well-Known Member

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    Nice, I’ve tried to keep a diverse portfolio, I’ll definitely look it over and see what I can add to make it even better.
     
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  9. Jun 17, 2020 at 1:23 PM
    TreeFortRichard

    TreeFortRichard Barcelona Red is the best red...

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    Don't forget about waffle stomping
     
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  10. Jun 17, 2020 at 1:28 PM
    GarlicFarts

    GarlicFarts Bertolli Roberto

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    Power plumbing sounds like a knock off laxative.

    @Boyk1182 is a dividend hunter. BUT I am not, my boring account is vandex index funds which basically runs on blue chips. So I sort of have the same sort of thing, 28 ish main stocks but I'm paying fund fees (0.03% or so overall) at the moment. Right now I'm working to pull form Betterment portfolio management into TD Ameritrade, and self manage my portfolio. BUT I'll be paying fund fees for a while until I get some more confidence into it, and then I'll move to individual stocks instead of funds. BUT 0.03% isn't much, compared to the 0.25% portfolio fee from Betterment. Look at VTI it's a ton of major stocks Verizon, Nvidia, Coke, Microsoft, Apple, etc. But if you look at the holdings in VTI they have (as I type) 3466 different securities within VTI. PLUS some stuff in bonds. So, what @Boyk1182 does is done for me for 0.03% but I'm not hunting dividends, either. VTI is about 2% right now, nothing special.

    https://investor.vanguard.com/etf/profile/overview/VTI/portfolio-holdings
     
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  11. Jun 17, 2020 at 1:42 PM
    Boyk1182

    Boyk1182 Well-Known Member

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    I have warmed up to funds. I have SPHD as about 12% of my portfolio right now. The biggest benefit to individual stocks that increase their dividends is you’ll benefit from the annual increases if you hold for decades. Someone who bought KO 30 years ago would be getting a yield on cost of probably 20%+ right now. I am still not sure if you’ll get that benefit from funds but I like their simplicity.
     
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  12. Jun 17, 2020 at 1:56 PM
    Boyk1182

    Boyk1182 Well-Known Member

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    Here is an example of individual stocks and dividend growth. In 1990, KO was $4.22/share. If you had invested $10,000 at that time, and done nothing else (no reinvesting), you'd have bought about 2,370 shares (I rounded up a share). It would be pretty exciting that your shares would be worth over $100k today, but that's not really the benefit I see. You'd be getting the current $1.64 annual dividend per share x 2,370 shares = $3,886.80 per year. Now take that $3,886.80 and divide it by your initial investment of $10,000, and your current yield on cost is 39%. That is insane, all you had to do was wait. Multiply that by a basket of good dividend growth stocks and you could make more in dividends after 30 years than you ever made as a salary.
     
  13. Jun 17, 2020 at 2:02 PM
    Iwilltaco

    Iwilltaco Well-Known Member

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    This is exactly why I chose this strategy as a way to supplement income later in life. I had never considered attempting to use it as a retirement plan. You have approached it with a different mindset, and I might look into it a little more.
     
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  14. Jun 17, 2020 at 2:06 PM
    teamhypoxia

    teamhypoxia MichelinMan

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    I like your strategy and I think it's valid. However, yield on cost is deceptive. You could take that 100000, invest it at a 4% annual return and get the same.
     
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  15. Jun 17, 2020 at 2:06 PM
    Boyk1182

    Boyk1182 Well-Known Member

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    Every extra penny I get goes into these stocks. A benefit of having 20+ holdings is that in an emergency, I can pull cash if I want. Even after this crash, I had a few that were up, and I could have sold just those to raise money and not realized any losses. I’ve spent a lot of time developing my strategy, but it will be different for everyone. It’s all about figuring out what works best for you.
     
  16. Jun 17, 2020 at 2:08 PM
    Boyk1182

    Boyk1182 Well-Known Member

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    True but also assume you’re reinvesting all dividends over that period. It would probably be a few hundred thousand at the end.

    I know both sides of the yield on cost argument, but reinvesting along the way changes it a bit.
     
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  17. Jun 17, 2020 at 2:16 PM
    teamhypoxia

    teamhypoxia MichelinMan

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    Absolutely.
    And again, I'm not arguing your strategy. I really like it.
    I just think too often decisions are made (by me and others) based on ships that have sailed. The best thing to do with your money is whatever is best right now and has nothing to do with past decisions.
    A good example of this would be how different it feels to hang on to a stock that has dropped 10% in the last week when you're still green on it versus hanging on to that same stock at the same valuation, with the same prospectus when you bought at ATH and are now 10% red. Or, even deciding whether to invest for the first time at that point.
    There should be no difference in strategy at all. It's the same amount of money invested in the same stock at the same point in time and yet our reaction and decisions can vary greatly based on whether we're green or red overall and that is based entirely on past decisions.

    I know you weren't addressing that idea at all, but looking (back) at yield on cost kind of does that.
     
  18. Jun 17, 2020 at 2:18 PM
    Iwilltaco

    Iwilltaco Well-Known Member

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    You bet, I still throw money into some short term stocks when I see an opportunity, but the investments go to the quality stocks, and usually any profits from the short term trades get put into the ones I don’t sell. I enjoy seeing other strategies, it can only help. As long as I don’t get suckered into buying nrgu
     
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  19. Jun 17, 2020 at 2:19 PM
    Boyk1182

    Boyk1182 Well-Known Member

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    I agree with all of that, and the YOC issue. It all goes away if you hold for decades. That’s really my main goal, because I know by doing that, it will work out ok.
     
  20. Jun 17, 2020 at 2:56 PM
    GarlicFarts

    GarlicFarts Bertolli Roberto

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    See, for me 0.03 and low dividends is worth it right now while I’m still learning. 10 years from now maybe I’m doing something like that, we’ll see.

    Ultimately nobody is wrong. Just different philosophies and goals. Everyone’s special everyone gets a atrophy.

    Funds aren’t necessarily cheap and some have higher divs than others. I’m sure the dividend yield from vti gives vanguard a nice payout before I see anything. And my other funds. But I’m not taking on the individual risk of thinking I know how much to invest in apple and nvidia etc right now. Maybe in a few years time I’ll get there. But for now, the risk is too much. For my real accounts.

    depends on your goal. You can start chucking principal and get your payout that way or live off the dividends like a trust. And then only in a real emergency dive into the principal. For me that’s the way to do it. My plan is to save for retirement enough to live off the gains and dividends plus taking principal distributions. And my plan is that once that principal is gone I hope to be dead. Ideally as I spend my last penny, massive aneurism with no warning and no pain. Adios!

    short term is fun, long term is boring. Short term is my Monopoly money that would otherwise be spent on dumb stuff for my truck, or a 2k beater Jeep. In the end I might land with 3k and get a beater Jeep and something else. Or I end up with 1k and hey it was going to be wasted on dumb stuff anyway. That said....I’m not playing with that much right now. I am playing with my vacation funds. Basically they’re all in nrgu and my forethought is that by the time it’s right to be going on a decent holiday, will coincide with nrgu recovering to the 40.xx level and my vacation will be paid for by big oil. Don’t know if that makes me evil or not.
     
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