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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
A place to talk about investing stuff.
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Old 09-13-2021, 07:17 PM   #11386
Buehler445 Buehler445 is offline
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Originally Posted by ChiliConCarnage View Post
I agree w/ the savings account. Bond funds will go down if interest rates rise. If I have 10k in 7 year treasuries paying 1.0% and the Fed raises to 1.5%. Nobodies going to buy my bonds for 10k anymore. I'll have to sell below par to make up for the half point.

The longer the maturity, the more the pain. So, typically you'd want to be hiding in short/ultra short treasuries. They pay nothing though because rates are so low. Funds have to trade to rebalance. As a person you could buy an individual bond and just hold it to maturity. Though that person wants to be potentially liquid.
Well I ****ed that up, didn't I. Don't listen to me. Listen to CCC.

I probably ****ed that up on the test in school too.

My bad. Disregard the bond fund shit.

EDIT: Obviously I'm not doing the bond fund shit.
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Old 09-13-2021, 07:41 PM   #11387
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I have probably like three year's worth of my current bills sitting in savings. I'm a super safe kind of guy, but even I can recognize that that's not doing me much good. I think my money market account gains something abysmal like .00025% interest.
Jesus . I had 8~10 months worth and I thought I was overdoing it. I lowered it to probably 3 months worth and bought into some ETFs with the rest.
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Old 09-13-2021, 07:51 PM   #11388
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I have probably like three year's worth of my current bills sitting in savings. I'm a super safe kind of guy, but even I can recognize that that's not doing me much good. I think my money market account gains something abysmal like .00025% interest.
That's too much. 6 months is the most you probably need.

I could probably do less too given my career stability is very good. If I got laid off tomorrow I could find a job the same day. If you won't lose your source of income for long, you can get away with less in emergency savings.

I also believe in keeping an standard emergency fund, not in stocks, because I don't believe in short term disability and will never pay for it. It's a waste of money for people who have a standard emergency savings plan.

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Originally Posted by Hog's Gone Fishin View Post
If you can make 25% on your stocks and not need the money for 2 years you can take a 50% market crash and still be even. People hold these emergency funds for years and it's a waste. There's basically no emergency you can't use a credit card for to buy time until you liquidate an investment.
Having an emergency take you into debt is the reason for an emergency savings plan. Job layoff, injured on the job, or a huge home maintenance issue isn't something I want to take on interest debt for if I didn't have the funds to cover it.

Are you really suggesting that you can easily get 25% gains on your stocks every year? Many new investors who started in 2021 are currently negative YTD with risky stock plays.
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Old 09-14-2021, 07:56 AM   #11389
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Old 09-14-2021, 08:53 AM   #11390
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Originally Posted by Hog's Gone Fishin View Post
If you can make 25% on your stocks and not need the money for 2 years you can take a 50% market crash and still be even. People hold these emergency funds for years and it's a waste. There's basically no emergency you can't use a credit card for to buy time until you liquidate an investment.
That's a pretty good point.

Of course, if there's a crash it's not going to be a good thing. But I'm one of those people who gets antsy just watching money sit around. I had a dedicated emergency fund, and then after a few months I put it into some ultraconservative defensive fund, and then after a few more months I bought a little bit of stock with it, and now it's just another stock account for me.

However, I keep a decent amount of cash in my checking account just because I don't like juggling money between accounts, and I have a rule to keep at least five percent cash in my stock trading account, so all in all I do have an emergency fund. It's just not a dedicated account.
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Old 09-14-2021, 09:25 AM   #11391
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So how is everyone’s trading going?
Got out of Disney. I got in thinking they were an underrated Covid play, but that's probably played out by now. Tagged resistance and couldn't get through it so I pulled the Chute.

I also pulled the chute on ****ing Chevron like I should have done before. Yay red!
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Old 09-14-2021, 09:53 AM   #11392
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Friend told me about VISM (penny stock) a little more than a month ago. Up 88% since purchase. it's a LONG term play with possible $5/ share in the future. Throw a little money at it and do the 2 year challenge of not even looking at it.
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Old 09-14-2021, 10:54 AM   #11393
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Do you guys have an emergency savings fund?
I got my cigar, booze, gambling, restaurant and escort fund.

Does that count?
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Old 09-14-2021, 11:13 AM   #11394
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Do you guys have an emergency savings fund?
I've got gas, grass and ass.
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Old 09-14-2021, 03:47 PM   #11395
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Jesus . I had 8~10 months worth and I thought I was overdoing it. I lowered it to probably 3 months worth and bought into some ETFs with the rest.
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Originally Posted by lewdog View Post
That's too much. 6 months is the most you probably need.

I could probably do less too given my career stability is very good. If I got laid off tomorrow I could find a job the same day. If you won't lose your source of income for long, you can get away with less in emergency savings.

I also believe in keeping an standard emergency fund, not in stocks, because I don't believe in short term disability and will never pay for it. It's a waste of money for people who have a standard emergency savings plan.
I know it's bad. I've always been super frugal and have mastered living well beneath my means. Plus I don't have any kids, so that makes it easy.

Totally off topic, but I don't understand how anyone out there without children can't support themselves.
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Old 09-14-2021, 04:48 PM   #11396
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Totally off topic, but I don't understand how anyone out there without children can't support themselves.
Barring a disability, they can. Many are either just too lazy to or are completely clueless on how to manage money and prefer instant gratification to living comfortably within their means. The increase of entitlement attitude also plays a big role and recent government handouts has only made it worse.
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Old 09-14-2021, 05:18 PM   #11397
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I know it's bad. I've always been super frugal and have mastered living well beneath my means. Plus I don't have any kids, so that makes it easy.

Totally off topic, but I don't understand how anyone out there without children can't support themselves.
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Barring a disability, they can. Many are either just too lazy to or are completely clueless on how to manage money and prefer instant gratification to living comfortably within their means. The increase of entitlement attitude also plays a big role and recent government handouts has only made it worse.
Definitely should be easy without kids.

And on the flip side if you are having kids, it is actually rationale to limit the size of your family based on income. People who have 5 kids and then bitch about having low paying jobs and inability to pay their bills made that decision themselves!

We are choosing to have 1 child and a large part of that decision is financial.
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Old 09-14-2021, 06:03 PM   #11398
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Definitely should be easy without kids.

And on the flip side if you are having kids, it is actually rationale to limit the size of your family based on income. People who have 5 kids and then bitch about having low paying jobs and inability to pay their bills made that decision themselves!

We are choosing to have 1 child and a large part of that decision is financial.
I see you've met my **** sister...

Actually the incremental cost of another child is less than I anticipated. On the money side anyway, the time side....not so much - if you're parenting in the manner in which we want to parent.
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Old 09-15-2021, 07:27 AM   #11399
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IPO for ARBK (Argo Blockchain) coming soon. Anyone have any thoughts on this large-scale Bitcoin mining company?
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Old 09-15-2021, 07:42 AM   #11400
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IPO for ARBK (Argo Blockchain) coming soon. Anyone have any thoughts on this large-scale Bitcoin mining company?
eDave is our resident expert on Bitcoin he should be weighing in momentarily.
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