• The TUGBBS forums are completely free and open to the public and exist as the absolute best place for owners to get help and advice about their timeshares for more than 30 years!

    Join Tens of Thousands of other Owners just like you here to get any and all Timeshare questions answered 24 hours a day!
  • TUG started 31 years ago in October 1993 as a group of regular Timeshare owners just like you!

    Read about our 31st anniversary: Happy 31st Birthday TUG!
  • TUG has a YouTube Channel to produce weekly short informative videos on popular Timeshare topics!

    Free memberships for every 50 subscribers!

    Visit TUG on Youtube!
  • TUG has now saved timeshare owners more than $23,000,000 dollars just by finding us in time to rescind a new Timeshare purchase! A truly incredible milestone!

    Read more here: TUG saves owners more than $23 Million dollars
  • Sign up to get the TUG Newsletter for free!

    Tens of thousands of subscribing owners! A weekly recap of the best Timeshare resort reviews and the most popular topics discussed by owners!
  • Our official "end my sales presentation early" T-shirts are available again! Also come with the option for a free membership extension with purchase to offset the cost!

    All T-shirt options here!
  • A few of the most common links here on the forums for newbies and guests!

[2020] A little stock market sense

letsgobobby said:
at least you are here to teach us how to spell!
Click to expand...
and to teach everyone that day-trading = INVESTING. There a couple of levels to what he (claims) to be doing that are completely unexplored by him or anyone else. I shall continue to not bother pointing them out because he has never answered a single direct question, so what is the point. He has zero credibility.
 
If you do not remember, go back and check the previous posts and remind yourselves who started the name calling. All I did was share what I do to get market results without the rollercoaster ride. All I said was own the pie but slice it up and spend a little time keeping slices even. What an outrageous concept according to some.

I put it in simple terms and compared it to rotating a pizza pie, smoothing out a reservoir wall so it is stable and send in the reserves like Hancock did at Gettysburg. Again another outrageous concept to them.

Good luck listening to them especially the one who claimed to be a teacher. I had posted last night how teachers did not know what they were doing and were taking advantage of. Maybe he is the exception to the rule because of his positive thinking. In the meantime 4 of the 11 sectors up today.

Consumer Staples up 0.36%
Energy up 0.83%
Healthcare up 0.02%
Utilities up 0.46%

I am up 0.23%

My top 3 bull winners
CB up 2.93%
CME up 2.79%
COP up 2.73%

My top 3 bears up
TSLS up 11.77%
CONI up 10.59%
BITI up 9.0%

Once again, have a nice laugh while I spend 5 minutes taking profits from those with 10% gains to buy what is falling today.
 
RENTER said:
If you do not remember, go back and check the previous posts and remind yourselves who started the name calling. All I did was share what I do to get market results without the rollercoaster ride. All I said was own the pie but slice it up and spend a little time keeping slices even. What an outrageous concept according to some.

I put it in simple terms and compared it to rotating a pizza pie, smoothing out a reservoir wall so it is stable and send in the reserves like Hancock did at Gettysburg. Again another outrageous concept to them.

Good luck listening to them especially the one who claimed to be a teacher. I had posted last night how teachers did not know what they were doing and were taking advantage of. Maybe he is the exception to the rule becau
TSLS up 11.77%
CONI up 10.59%
BITI up 9.0%

Once again, have a nice laugh while I spend 5 minutes taking profits from those with 10% gains to buy what is falling today.
Click to expand...


Plenty of falling knives today !

day.jpg
 
Look at a chart of MPW. Every day I was putting money into it as it fell always down to $3.70. Today it closed at $5.87. A 58% return from the low. A 16% return from my cost basis. Also pays a 5.32% dividend this month.

Fraction shares which I did not use here because the share price was so low and commission free trades have made Catch A Falling Knife a plausible strategy today unlike the past. With no fees and no share price to worry about, you can try, try again until you get it right. Could not do that in the past.

One day others will catch on.
 
if a genius posts in the forest but nobody reads it, does the genius really exist?
 
letsgobobby said:
these are all arguments for owning diversified portfolios of profit-making companies - not gold.
Click to expand...

Gold is faring better than stocks these days. Compare the change in values of both since the begiining of the year. So is our much larger investment in residential real estate. For last year our rental income represented 20% of our investment in houses, and the increase in the value of the houses is on top of that. Do you get 20% return on investment in the stock market. In my area, the property market is still quite hot.
 
Last edited:
Todays results

All 11 sectors fell. Consumer Discretionary did the best only falling 0.26%

I was up 0.12%

Top 3 bull winners were
COIN up 6.95%
TESLA up 3.79%
KKR up 3.64%

Top 3 Bear winners
IBIT up 5.19%
AAPD up 3.04%
EMTY up 2.23%

For those down, just remember March is a month when quarterly dividends are distributed. So if you have no reserves to take advantage of this down market, those dividends are on the way if you have investments that pay dividends. I take mine in cash so I can put them where I want which are the investments that are down.

For the rest, good luck listening to those who think rollercoaster rides are no big deal and mock those who do.
 
Going to share something else I do that may help others. Does not require to be a genius. Just know how things work and have a little common sense. I am sure it will drive some ballistic.

This involves lowering your tax bill by harvesting tax losses in non-retirement accounts. One reason that if you cannot afford to do both a 401K and a non-retirement account. I would choose the non-retirement account. In the long run, you will save more in tax savings and having more choices than what you would get with a match.

When you sell a loser, you can claim the loss and write it off against your gains or up to $3000 against other income. But you cannot buy it back within 31 days. Otherwise, it is called a wash sale and you lose the write off.

But if you are someone like me whose all plan is based on asset allocation, if I sell it, I lose exposure to that stock or sector which I do not want to do. So what I do is when I sell it, I will buy the 2X version and put half of what I had in the 1X version into it. Then in 31 days I will sell that and buy back the 1X version.

If that stock or sector kept falling, I would have more losses to write off but they would be short term losses. However if it reverses itself, I will have 2X gains.

There have been articles how others are doing the same but exchanging between the ETF versions and the mutual fund version which are very similar. The articles claim that has been no IRS ruling on it but they talk about how much the government is losing in tax money. I assume they will eventually rule against it and declare them wash sales. That is why I use the 2X version. Keeps my asset allocation intact but not similar enough to be declared a wash sale.

Yep, I am a fool who does not know what I am doing. Enjoy your laugh.

Oh, by the way this is something a 8th grader will not understand. Maybe a college freshman.
 
5 sectors up today. 5 sectors down. 1 sector no change

I was up 0.26%

My top 3 bull winners
TSLA up 7.59%
MU up 7.40%
PLTR up 7.17%

My top 3 bear winners
EMTY up 2.39%
TBF up 0.88%
BITI up 0.34%
 
your innumeracy is simply breathtaking , but always good for a laugh
 
Took the last of retirement winnings off the table today. Lost a few thousand by doing now while markets are depressed but still significant winnings over my investments. Glad I sidelined cash late last year when the markets were higher. (and some of you dissed me for doing so.)

Laughing all the way to the bank with my cash on the sidelines at 4 - 6% guaranteed. I still have more than I would like in stock but will wait for a temporary bump to cash out some more to ride this out. Will never go to zero but will have a low percentage that doesn't affect my upcoming retirement plans.

No rational business is going to invest in capital intensive factories with all of this uncertainty and chaos. In addition the lower cash value of corporate stock and cost pressures on profits due to lower consumer spending does not free up cash for such investment. They would be better off cost cutting and waiting it out. That's what rational business executives will do in such an environment.

Warren Buffett was right to move his investments to the sideline.
 
Last edited:
CalGalTraveler said:
Warren Buffett was right to move his investments to the sideline.
Click to expand...

I agree but for many people taking profits means they have to wait up to a month to place these profits back into their original funds and in that month these funds could have major gains. Fidelity has this feature.

Bill
 
easyrider said:
I agree but for many people taking profits means they have to wait up to a month to place these profits back into their original funds and in that month these funds could have major gains. Fidelity has this feature.

Bill
Click to expand...
No need to buy back in because we are nearing retirement. I have no intention of risking my retirement fund gains (and livelihood) on the stock market when I can get 4 - 6% in guaranteed return CDs and bonds.

With recent changes affecting my work and a pending pay cut for DH we may be retiring sooner than than anticipated. Batten down the hatches.

We still own stocks but this is becoming a lower percentage of our portfolio. Recent market chaos only confirms my action was correct and hastened my reduction in percentage in the stock market. Nothing is going to happen in the near future with the exception of AI. but with Deepseek who knows?
 
Last edited:
CalGalTraveler said:
No need to buy back in because we are nearing retirement. I have no intention of risking my retirement fund gains (and livelihood) on the stock market when I can get 4 - 6% in guaranteed return CDs and bonds.

With recent changes affecting my work and a pending pay cut for DH we may be retiring sooner than than anticipated. Batten down the hatches.

We still own stocks but this is becoming a lower percentage of our portfolio. Recent market chaos only confirms my action was correct and hastened my reduction in percentage in the stock market. Nothing is going to happen in the near future with the exception of AI. but with Deepseek who knows?
Click to expand...
Will that 4 to 6 percent interest rate last?
I believe there is pressure to lower interest rates again
They had been so low for years and that made one group happy but took away a very safe investment for others., mainly retirees

People boasted of how much profit on their home sale but were upset that other homes were higher priced too they were happy with a low mortgage rate and upset that rates are higher

I was better off last year than four years ago but answering that with a yes got you in big trouble.
 
@rapmarks right now it is the best horse to ride. At least with CDs and bonds our principal is guaranteed. Cannot say that about stocks. I've ridden the stock market roller coaster down in 2001 and 2008 and will not do it again with a significant percentage of our portfolio. We are too close to retirement. Will interest rates last? who knows? But right now I am guaranteed for these returns for the next few years to ride out this cycle.

Other than some investments I cannot easily liquidate, I am not betting significantly on the stock market for the next few years. Corporate executives have been shaken to their core and won't invest significant capital when there is uncertainty like this. They will simply wait it out for the next cycle or invest in other countries and markets where there is more stability. They won't say anything publicly but they are acting quietly with lower corporate capital spending and labor cost cutting.
 
Last edited:
There are still some non-callable CDs that last up to 3 years you can buy for between 4-5 %.
I am saw this coming as the post election high infected everyone. Moved my entire 401K to cash. Now ready to buy in. Still have a long way to retirement.
 
Last edited:
CalGalTraveler said:
Global Foreign markets e.g. Germany and EU manufacturing as they ramp up defense may have some good pockets for investment (NOTE: possible firewall)


Click to expand...

Be careful of Germany. The new coaltion agreement will weaken their debt brake significantly and that is already playing havoc with the attractiveness and price of German bunds.
 
WorldT said:
There are still some non-callable CDs that last up to 3 years you can buy for between 4-5 %.
I am saw this coming as the post election high infected everyone. Moved my entire 401K to cash. Now ready to buy in. Still have a long way to retirement.
Click to expand...
this is what CO skier and others advocated in April 2020. Didn't work out well. Few investors are the soothsaying geniuses they think they are. Hope you know when to get back in. by the way: let us know in real time when you do that ok?
 
letsgobobby said:
this is what CO skier and others advocated in April 2020. Didn't work out well. Few investors are the soothsaying geniuses they think they are. Hope you know when to get back in. by the way: let us know in real time when you do that ok?
Click to expand...
Would have bought in today but was tied up all day. Will buy it tomorrow. I don't know where the bottom is but I already have a discount as it is.
Fun fact, I saw the 2020 too and I moved out on time . Unfortunately, I waited too long to buy back in so I didn't get much of a discount.
Unless I see some clear problem coming, I am always 100 percent stocks.
 
Once again another winning day. Up 0.21%

One sector up today, utilities up 0.27%

Top 3 bull winners
CBOE up 3.18%
MKTX up 2.44%
FE up 2.43%

Top Bear winners
1. CONI up 7.22%
2. PLTD up 5.06%
3. METD up 4.54%

A female friend calls me today upset. She had a heated argument with her husband, because of the falling market he wants to sell everything and get out. She asks why because they were up. He did not believe her. So, when he looked, they have been up every day during this downturn and was up today 0.17%.

He did not understand why because his account is taking a beating. She invests like I do and tried to explain it. But he could not get it and still wanted to get out. She told him no way. He can't do anything about it. It is her account.

By the way, he is a teacher whose account is in one of those crappy teacher accounts which is taking a beating. No wonder test scores for kids today are so low.

Good luck, keep listening to those who mock and laugh at me.
 
You must log in or register to reply here.
Top