Posts by hiddensailor60

Jacob Wood9 said:Why on earth would he have an objection? If you’ve decided this is your space, then please, feel free to post whatever you like... I'd actually quite enjoy the conversation.🙂

Well, things have certainly taken a turn for the better. 😁 1. the face of absolute isolationism.

Jacob Wood9 said:Look, I’d appreciate it if my esteemed colleagues would just move along if they don't have anything substantial to contribute to this discussion

This thread is intended for serious commentary regarding the recent volatility in the capital markets, so perhaps you could save those little jokes for trying to charm some naive newcomers on a different forum

🙂 Mea culpa. 🙂

😁

Honestly, guys, just lock the thread already. There aren't even enough posts a day on this entire forum to keep it alive, let alone stay relevant. It’s going to get buried in the archives anyway. 😛

Jacob Wood9 said:Since the other chat room has become somewhat cluttered with constant nonsense and rather unreliable commentary, I thought it might be prudent to open this parallel thread. My intention here is to provide a space where shareholders can unwind—specifically those who appreciate the usual youthful energy but still wish to maintain a certain level of intellectual clarity. I’m hoping we can discuss equities without being distracted by all the typical earthly temptations and distractions found elsewhere.🙂

This hits right on par with that absolute total swam. 😬

I have to wonder, what is the actual point of trying to predict the movements of the Nasdaq?
Does anyone here actually hold any overseas stocks? Or are we still under the delusion that our local version of Trump has any meaningful correlation with the Dow Jones or the Nasdaq? 🤔

If you want my honest take, I expect things to settle right back around this current level by next week. We might see a slight uptick early on, followed by a minor dip toward the end, ultimately landing somewhere near break-even—maybe even a tiny bit in the green.

Looking at the bigger picture: as I mentioned, don't expect any massive shifts next week. However, the following week, I’m bracing for a further slide of about 4-5% due to the situation in Mexico.
After that, though, I anticipate a rally. This should be driven by two factors: first, we won't see much more downside because the bubble will have mostly deflated by then; and second, we’ll likely see strong 2007 year-end earnings reports hitting the wires.

Heading into March, get ready for some serious volatility across various stocks as investors struggle with conflicting signals. My prediction? We’ll see solid FBI activity driving stock prices up, but the unresolved tensions surrounding Mexico—which won't really reach a boiling point until March when independence becomes a reality—will trigger sudden, sharp sell-offs.
In short: March is going to be a wild ride! 🤣

Now, April is where I truly expect the biggest surge in the market. Once we receive that invitation to join NATO, foreign investors will view it as a major stamp of stability and security. That is the month I am banking on for the strongest growth we'll see all year.

Now, having laid all this out, feel free to call me crazy or tell me I'm completely off base! 🙂 After all, nobody has a crystal ball for how this will actually play out.
I can't say I'm certain about everything, but I feel quite confident about that final stretch in April.

That’s a massive understatement—you’re trivializing the whole issue. To put it more bluntly? You’re talking nonsense.

Personally, I don't have the energy to sit here and explain things to people like you. If you’re still confused, do yourself a favor and go back and read this entire thread again, much more carefully this time. If you honestly believe everything is perfectly clear and that this entire situation only serves "the wealthy elite"—then by all means, feel free to just walk away. 😉

domar said:I don't have any pawn shops on my mind today, but if I ever decide to go down that road, I’ll definitely be following your lead! Right now, my investment strategy is a bit of a mix; I’ve got some capital set aside from a loan I took out, alongside my own personal savings which are currently spread across a single mutual fund and a handful of individual stocks.

Believe it or not, I am experiencing the exact same thing on my end! 🙂 If I eventually decide to go the securities-based lending route, I’ll essentially be pledging shares in a fund that was largely built on borrowed capital to begin with! At that point, if things go south, we might find ourselves drowning in debt just like Greece—but hey, that's the game. You can't chase those kinds of profits without taking on some serious risk. 😁
Of course, we always have to operate under the assumption that things won't go exactly according to plan. It’s vital that we stay prepared for the lean years and make sure we aren't overextending ourselves. We simply cannot afford to miscalculate our resources or overestimate what we can handle when the chips are down.

To be perfectly honest, we’ve actually been on the exact same page this entire time. It just seems my posts have been aimed at a crowd that hasn't quite made the leap into the sophisticated world of serious investing yet!

👍

It is incredibly easy for those sitting on a mountain of cash to just throw money around and let it grow. For them, investing is almost a hobby—a way to make their wealth multiply effortlessly. But for those of us who aren't playing with a massive safety net, the game is entirely different. We don't have the luxury of being reckless. We have to be resourceful, finding every possible angle to make things work, and we have to fight for every inch of progress. When you're operating without that cushion, you have to keep your eyes wide open at all times, constantly scanning for potential pitfalls and staying hyper-vigilant against any risks that could wipe you out. It’s a completely different level of intensity. 😁

P.S. I can't help but sit here and marvel at this. It’s truly incredible how much wisdom and insight a young person can possess—I mean, we're talking about a 21-year-old college student here. Honestly, it's almost hard to believe! 😁😁😁 😂

Look, what you’re saying only makes sense if you aren't capable of disciplining yourself to save. This way, the bank essentially forces you into "forced savings"—though I question whether we can even call it saving; in my view, you’re just losing money.

I said that if you have the cash for a car—and let me add that I also have some monthly surplus that could be set aside—personally, I find it unprofitable to shell out all that cash upfront for a vehicle:

Based on that cash, you secure a loan from the bank under terms you negotiate to suit your own taste, specifically regarding the loan term and the monthly payment amount.

You receive funds from the bank and use them to buy the car; here are my specific reasons why I believe this logic holds up:
1. Once the loan is paid off, your initial cash is returned to you. This means you effectively owned the car and were saving money simultaneously... without the loan, you would still be saving, just a smaller amount.

If I had the cash for a car—let's say $25,000—I would put it into a stock mutual fund, take out a margin loan against 70% of the value of those shares, and buy the car over a three-year period. I would only pay the interest; I'd leave the principal until the very end.
Let's assume that the fund yields a 20-30% annual return; after three years, the holdings would be worth $40,000. I pay off the $17,500 margin loan (70% of the $25,000), and at the end of three years, I have the car and $22,500 in cash. (Granted, I was paying interest for three years, but that's a negligible amount in this context).

Doesn't my math look better? 😁 Of course, I emphasized the word "assume"—funds can lose money, too—but I am quite confident that over the next three or four years, one doesn't need to worry about "serious" US equity funds.

And for the strategy you were describing, you'd also need to be in a position to afford the monthly payments $667 for the car, which is no small feat.

But then again, everyone does what works for them and what they perceive to be most profitable, right? 🙂

Look, I’m fully aware of how those percentages work. My point was simply questioning whether the math actually adds up to a worthwhile move in the end. That 10% margin would swing your calculations significantly, not to mention how much the timing of your deposits matters.

So, you're telling me JPMorgan Chase is offering a loan against the asset? Well, isn't that just fantastic! 🙂

Look, I’m telling you, trying to go the installment loan route just doesn't make any sense to me. My plan would be to take out a Lombard loan through Chase, but I have a feeling they aren't going to bite on that, right?

I'd also consider taking out a mortgage-backed loan at JP Morgan Chase, but there's a catch—I'm currently unemployed. Does that actually matter? In my mind, it seems a bit silly for them to insist on employment verification when they're holding collateral that's worth 10% more than the loan itself, but I suppose I should ask.

feralheron90 said:Let me try to break this down for you in the simplest terms possible:

You provide the bank with $333, ..................

This specific type of loan is frequently utilized to purchase stocks or fund mutual fund positions, where you use your existing shares or fund holdings as collateral.

Personally, I find this kind of credit quite convenient for something like buying a car if you already have the cash sitting there...

Once the loan term ends, you still have the car and your cash intact, and the interest rates you paid were relatively low...👍

Oh, please, could someone explain this to me? Because I honestly don't see the logic here.🙈

You mentioned that this type of credit works for you when buying a car if you already have the cash on hand. So, let me get this straight: you have the money needed to buy the car—you use that as collateral for a Lombard loan, which carries, say, a 5% interest rate—and then the bank approves the credit at an interest rate 1.5% higher, making it 6.5%.

And what exactly did you gain from that? You already had the money for the car, but instead, you took out a loan just to end up paying interest (which would be 6.5% minus 5%, leaving you with a 1.5% cost). 😕

In my opinion, taking out a Lombard loan only makes sense if you are using something like shares in a diversified mutual fund or an index fund as collateral, where you expect the returns to exceed the interest rate you're paying on the loan (in this case, greater than 6.5%).

Please correct me if I'm wrong, though; I've never actually taken out a Lombard loan myself, so I lack the hands-on experience.

Michael Evans14 said:Let's say I have 100 $0.00 and I want to turn a quick profit by January. Which stocks should I be looking at? Is it even a smart move to dump everything into Roche and Exelon?

If I were in your shoes, I’d personally split my investment between AT&T, Roche, and the Democratic Party in a 50:30:20 ratio. That seems like a solid way to balance things out. However, please, do take a moment to really think this through before you commit any capital. At the end of the day, it's your hard-earned money on the line, and you're the one who has to shoulder the risk! 😛 To be honest, a two-to-three month window feels incredibly tight. When you're looking at such a short timeframe, things can shift in an instant, and you really run the risk of running into some unpredictable, short-term volatility. If we were talking about a more extended horizon, I think we’d be on much firmer ground. Personally, I always find that playing the long game offers a bit more breathing room and stability, whereas this feels like we're navigating a pretty narrow corridor.

P.S. If you decide to pull the trigger on these stocks, just make sure you don't let them slip through your fingers at these current levels. In my experience, once things start moving like this, they tend to skyrocket before you can even blink!

Now, I want to be crystal clear: this is just my very humble opinion. Please, for the love of all that is holy, do not go making any major life decisions based solely on what I have to say here! I'm just sharing my two cents. Good luck to everyone!

So, let me see if I’ve got this math right. If I’m weighing in at around 155 lbs and I only hit the gym once in a while—nothing too crazy, just staying somewhat active—would I need roughly 70 x 0.75, which comes out to about 52g of protein per day? Also, does anyone happen to know the protein count in a standard 4-ounce serving of chicken breast?