Recent content by copyright1997reloaded

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    2024 Investment Performance Thread

    Preliminary (good enough to report) results: January: -0.2% February: +0.7% March: +1.7% April: -1.2% YTD: +1.0% YoY: +6.1% Since 12/31/22: +12.1% Since 12/31/21: -1.2% Since 12/31/20: +10.5% Since 12/31/19: +25.0%
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    Gold - 13 year cup and handle breakup

    Inflation part 2. WW Part 3? Absolutely no fiscal control. Craziness in general. While Gold is hitting new highs, Silver is a long way away from its high of almost $50/ounce. Gold and Silver miners are also quite a bit from their all time highs. One could take this as a negative or that...
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    Treasury Bills, Notes, and Bonds Discussion 2024+

    Same - bought some. Also bought 1 & 2 month T-Bills and just put in orders for Monday's 3 & 6 month auctions. I had been somewhat accumulating in money markets as things matured and w/this little leg up in rates started to deploy. Still have about one month's worth of cash either in the MM...
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    Best CD, MM Rates & Bank Special Deals Thread 2024 - Please post updates here

    You likely got interest paid December 2023 credited last year? I say this because: 25000*.0555*102/366 = $386
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    2024 Investment Performance Thread

    Still being hurt big time from Apple, but finally hit an all-time new high. March 2024 results: January: -0.2% February: +0.7% March: +1.7% YTD: +2.2% YoY: +8.1% Since 12/31/22: +13.5% Since high [12/31/21]: NEW HIGH, +0.0% (ha ha not many actual $) Since 12/31/20: +11.8% Since 12/31/19: +27.2%...
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    Fixed Income Investing II

    This. I just don't get chasing yields to things that might be severely impacted in a real downturn. I am not saying that I wouldn't invest in lower quality bonds (I have), but only when we are *already* in the midst of that down turn so that the yield spread risk premium is much wider than...
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    So what am I missing?

    Hope that piggybacking on this thread is OK. I am in a similar situation. I am considering buying a new (to me) home in another state. But I would like to do the purchase prior to selling my current home (for a variety of reasons, some good, some not so good). In any case, I am now retired...
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    Treasury Bills, Notes, and Bonds Discussion 2024+

    As did I, first time in a few months.
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    Best CD, MM Rates & Bank Special Deals Thread 2024 - Please post updates here

    Typically there is a $1 per 1k notational fee. So yes, there is commission. THe effective yield (after the commission) is shown on the preview screen. This is why I suggested you compare your net hit of selling early vs. doing a short term margin loan in a non-tax-deferred account.
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    Best CD, MM Rates & Bank Special Deals Thread 2024 - Please post updates here

    You will have to sell it. If there there are already bidders you could accept the bid (assuming they are bidding for at least that amount of the issue that you own). If not, you will have to solicit bids. You will get whatever was bid plus accrued interest. If the bids are bad and this is a...
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    Suggestions for estimating future RMDs

    Thanks! I modified the spreadsheet to add a "Yes" "No" option for deferring until 73 for those under 73 currently. https://tinyurl.com/RMDCalc2
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    Was Microsoft a Value Trap in 2012?

    Interesting. I didn't comment on that thread, but did buy a smallish holding in Mr. Softie (MSFT) in April 2010. I bought it because I though it represented value, its core cash flow products were still in place, and I didn't think they would follow the route of IBM. I've held it since and...
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    Chart of the Day

    No hot-chocolate for you! Well, I have a good supply so maybe I can make some coin by selling packets of hot chocolate mix?
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    Poll: Dune Part 2

    As I stated I've never read the book series. Given the movies piqued my interest, I might just do some spring reading.
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    Bond Call Notification

    Just want to let you know you were correct on this! I was pleasantly surprised that it hasn't (yet) been called. Next stop 4/30/24. I also have a 5.7% JP Morgan Chase callable CD (matures 10/31/24, first call 4/30/24. Maybe even this will escape the call man's hatchet, but then again it is...
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