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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
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Old 09-24-2021, 02:33 PM   #11491
Hog's Gone Fishin Hog's Gone Fishin is offline
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I have a 100K LOC at my disposal I can use for any emergency. I invest all my cash. That way my money is never sitting idle. If I ever needed to use the LOC for an emergency it's a tax deductible loan. I normally use the LOC for a major rental repair and then pay it off quickly with the rental income.

Didn't we just have this discussion??
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Old 09-24-2021, 03:41 PM   #11492
ChiliConCarnage ChiliConCarnage is offline
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Broader PF question for you guys: How do you think about emergency funds when you're otherwise set up really well?

I'd consider my wife and I to be pretty well off these days. Stable jobs that pay well. Unlikely that we'd both lose them at the same time.
Assuming your pay is somewhat equal and either of you alone could cover a good chunk of the bills then, yeah, I think youre ok to shrink the emergency fund. There are conservative things you could do like laddering into government i-bonds that are probably better than holding cash most of the time.

In your position the emergency fund is really just there to help you sleep at night. Whatever you're comfortable with
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Old 09-24-2021, 03:44 PM   #11493
Hog's Gone Fishin Hog's Gone Fishin is offline
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Assuming your pay is somewhat equal and either of you alone could cover a good chunk of the bills then, yeah, I think youre ok to shrink the emergency fund. There are conservative things you could do like laddering into government i-bonds that are probably better than holding cash most of the time.

In your position the emergency fund is really just there to help you sleep at night. Whatever you're comfortable with



Can get a bottle of Melatonin for about $2
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Old 09-25-2021, 03:32 PM   #11494
Captain Obvious Captain Obvious is offline
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Do you all handle your IRAs (Roth and Traditional) on your own or do you use a financial advisor? I changed jobs so I'm trying to figure out what to do with my old 403b.
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Old 09-25-2021, 03:42 PM   #11495
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Do you all handle your IRAs (Roth and Traditional) on your own or do you use a financial advisor? I changed jobs so I'm trying to figure out what to do with my old 403b.
Unless you are going to do something crazy with your investing strategy, I think it's pretty easy to just do it on your own with low fee index funds. You'll lose quite a bit in fees to most advisors.
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Old 09-25-2021, 05:48 PM   #11496
Buehler445 Buehler445 is online now
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Do you all handle your IRAs (Roth and Traditional) on your own or do you use a financial advisor? I changed jobs so I'm trying to figure out what to do with my old 403b.
It’s pretty easy most places. Mine is at Vanguard and it wasn’t hard at all.

Target dated funds are a pretty good facsimile for what advisors could do.

And most places have some sort of support functions to help with administration.

If simple management is your thing you could roll it to your new gig.
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Old 09-25-2021, 06:58 PM   #11497
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Do you all handle your IRAs (Roth and Traditional) on your own or do you use a financial advisor? I changed jobs so I'm trying to figure out what to do with my old 403b.
There are traditional financial advisors who take a percentage of your wealth each year and manage things. Those people seem overpriced to me. I did a research project about 18 months ago and interviewed financial planners around the country, and I'm intrigued by the newer type that are fee only advisors. They charge you an hourly rate for advice. Those people seem like they could be a really good deal if they know bigger strategic things to do rather than just picking stocks and funds for you. I think I will talk to one at some point about things like strategizing for Social Security and Medicare and things like health savings accounts where I've got a learning curve coming up.
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Old 09-25-2021, 07:46 PM   #11498
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There are traditional financial advisors who take a percentage of your wealth each year and manage things. Those people seem overpriced to me.
Completely agree. I struggle to understand what could possibly justify such high fees particularly for higher balance accounts. I have a similar feeling for Trust Administration/Executors. If you combine professional trust admin, financial planning for an account along with tax preparation, it could literally take the entire yearly prosit from an account.
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Old 09-25-2021, 07:48 PM   #11499
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Completely agree. I struggle to understand what could possibly justify such high fees particularly for higher balance accounts. I have a similar feeling for Trust Administration/Executors. If you combine professional trust admin, financial planning for an account along with tax preparation, it could literally take the entire yearly prosit from an account.
Yeah, i feel like they're living fossils from the days when you had to have a broker to make trades and when stock information wasn't readily available and when things like index funds didn't exist. 30 years ago you had to have one, but now you don't.
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Old 09-26-2021, 07:07 AM   #11500
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Reading for the penny stock boys. I’m not endorsing these, just sharing articles.

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Old 09-26-2021, 08:42 PM   #11501
Hog's Gone Fishin Hog's Gone Fishin is offline
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Old 09-26-2021, 10:26 PM   #11502
Hog's Gone Fishin Hog's Gone Fishin is offline
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TDRK ,low float , can make a big move with little volume

Got a small position established Friday and made 18%
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Old 09-27-2021, 02:28 PM   #11503
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Old 09-27-2021, 04:06 PM   #11504
Hog's Gone Fishin Hog's Gone Fishin is offline
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ILUS up another 16%

CYBL 25%

Bought NAKD at the PM open at 6 oclock which was a mistake I guess. Made 8% but it actually went up 21%
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Old 09-27-2021, 05:12 PM   #11505
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I was a little slow to get on NAKD this morning but I'm up 17% so far.
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