don't we all
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|3 days 4 hours ago||Marsupials? Well-I'll-Be....||
|4 days 5 hours ago||Suitability||
Ultimately you should figure out what is suitable for you with the help of an adviser or at least by taking an investment suitability questionnaire to determine what is right for you. If you already invest with a brokerage firm then you likely have access to some free tools to help. If not then those tools can be found on the web for free.
A two year time horizon with minimal risk would put you in the market for short term bonds/CDs/money market investments and with those you are not going to get a good yield right now.
The 2 year treasury note finished the week at 0.71%, which is $142 of interest for each year. That's not great but you would be almost guaranteed to get your initial investment back. You could also consider a short term bond fund but with pending interest rate increase those will no doubt lose some value. It's possible that you can find a fund that's paying a high enough distribution yield and that would overcome the loss in value from a 1-2% rate increase over the next few years.
It's tempting to look at stocks for more solid returns but remember, from September 2008 to November 2008 stocks lost 31% while bonds lost about 4%. If you are ok with the risk of losing capital in return for more explosive growth then a mix of stocks make sense.
It depends on what risk is acceptable for you.
|4 weeks 4 hours ago||I like the layout but ran||
I like the layout but ran into a problem with Nvidia drivers not updating, or not being allowed to update properly. My GPU wasn't being recognized due to a clash between MS and Nvidia software (found out its a known issue so a google search helped identify the issue). After trying a few suggested fixes I simply unistalled all of the Nvidia drivers/programs and reinstalled them and it worked fine.
|7 weeks 5 days ago||For the ladies tomorrow||
|8 weeks 6 days ago||If the medical problems are||
If the medical problems are serious, and that seems to be the case, then Harbaugh has the look like he's making a 'win at all costs' move either way.
Play an injury prone player with a bad injury history and you are disregarding the players safety for the sake of a game and the benefit of the program. Strongly suggest that player accept a medical and you risk the appearance of maximizing your scholarship count by doing away with a player unlikely to contribute.
There is no reason to doubt Harbaughs sincerity (no surprise greyshirts, kids kicked off campus/out of dorms, previous shady medicals) that I know of so until given a reason to do otherwise I will assume that he is acting in Pipkins, and the teams, best interest. If Ondre is not going to play for good reason then it really isn't fair to his teammates to take a scholarship from someone who can help the team, walk-on or otherwise.
|9 weeks 1 day ago||I always liked these quirky||
I always liked these quirky VW commercials
|9 weeks 1 day ago||That would be the Star Car||
That would be the Star Car
|10 weeks 17 hours ago||(No subject)|
|12 weeks 3 days ago||In the books Sam reads that||
In the books Sam reads that Dragonsteel works against the White Walkers and they believe it to mean Valyrian steel, but aren't sure. In the books the attempt has yet to be made. Only Sam with the Dragonglass knife successfully kills a WW (and that knife shatters, fwiw).
|14 weeks 2 days ago||It's really about one thing||
It's really about one thing to me
If an executive isn't forced to make an ass out of himself then a major opportunity has been missed.
There are pros and cons for each but I would be happy with the prestige that commands the richest apparal contract in the country. Arguing otherwise, about how one is trash or would affect whether or not you would purchase gear or be more or less of a fan, just seems a bit 'Murica' to me.
|14 weeks 6 days ago||Behold, the wheel of||
Behold, the wheel of lunch
|16 weeks 6 days ago||(No subject)||
|17 weeks 6 days ago||Skynet Global Defense||
Skynet Global Defense Network
Wu Tang LAN
Winternet is Coming
|18 weeks 6 days ago||Best game, at least||
Webber's Country Day squad vs Ypsilanti. Which was in 1990 or 91. Ypsi had a guy named Shannon Williams (?) who was a D1 talent and had the size to match up with Webber. The two big fellas opened the game going shot for shot, first with a dunk each then with matching 3's. That gym was crazy.
The first quarter matched the hype that had been built up and then they decided to let the guards play and CD was a better team. Ypsi made it interesting in the end but Webber was too much. CD won by 1 or 2 IIRC. Ann Arbor community access television replayed that game for years.
Williams had some D1 schools looking and was set for EMU but never did have the grades to ever play in college.
|19 weeks 6 days ago||Obviously there isn't one||
Obviously there isn't one great solution otherwise you wouldn't have posted but there are multiple options so with planning you can build a good strategy that comes with options.
With a Roth you can avoid distribution taxes/penalties by planning ahead to only use contribution money to fund college since it will be before age 59.5 (Roth contributions can be pulled out tax and penatly free after a five year holding period). The rest could wait for retirement. This idea does come with inflation risk for those dollars, not to mention the ever rising cost of tuition making those dollars that aren't growing look smaller and smaller every year. The bonus is that earnings buffer your retirement funds when you are ready to take a distribution, which hopefully will be qualified.
There is the Coverdell ESA, which has major contribution limits but can be withdrawn tax free as long as the distribution does not exceed qualified education expenses. That makes this a good supplemental idea to cover what the other plans might not.
The NY 529 makes the most sense, even if you are unsure about whether the kids will go to college, due to the deduction for NY residents. This is the only plan of these three where contributions are deductible.
The Roth can provide a retirement buffer. The Coverdell would be the responsibility of the beneficiary at age 30 if they don't go to school and can be managed to be withdrawn tax free. The 529 provides a deduction and flexibility to choose beneficiaries. Combining a mix of all three alleviates some of the shortcomings of the others. A general idea would be 50-60% 529, 20-35% Roth, and 10-20% Coverdell or some sort of similar mix.
You may even want to keep some in savings until the kids get closer to college age, then max out contributions if you need to (with the exception of the Roth due to the 5 year holding period). Of course every situation is different and if you're managing this yourself then so many plans may seem a bit daunting, but smart planning can go a long way.
Hope this helps. Cheers!
|21 weeks 2 days ago||The Fifth Element||
|21 weeks 2 days ago||Goodfellas||
|21 weeks 2 days ago||The Usual Suspects||
|25 weeks 3 days ago||You are correct in that a||
You are correct in that a traditional plan or any plan that contributes pre-tax dollars is tax deferred. Although you are taxed on ANYTHING that comes out of such a plan (that does not meet the exceptions) whether it grows or loses value. If you lose half your capital or make millions inside a retirement plan it is all taxable at your income rate the year that you make a distribution. Yes, you pay taxes on what you take out but how much it grows or does not has no bearing on the rate at which it is taxed.
My point was that any retirement plan is not subject to capital gains taxes the year in which an investment is sold, as a taxable account would be. You could make a gazillion % on an investment this year, sell it, and as long as you don't take money out of your plan then you pay no taxes...this year.
|25 weeks 4 days ago||Not what I said. Read it again.||
Growth of investment is tax free in a roth or traditional and is unrelated the taxes of a distribution in a traditional. You are not taxed on realized gains in either IRA account.
|25 weeks 4 days ago||For tax purposes||
If you realize a gain on an investment for a holding period of less than one year you are taxed at your income rate while gains on a holding period greater than one year are usually taxed at a rate of no more than 15%. In an IRA or retirement plan this does not matter since investments grow tax free.
|25 weeks 4 days ago||First of all it should be||
First of all it should be noted that there is really no investment that is right for everyone. Time horizon, risk tolerance, and expected/acceptable returns should all be taken into consideration.
You said that you have no expected uses for a year, so that's a start. How averse are you to risk? You already said that you want more returns than CD's and MM funds can offer and that is the low end of the risk spectrum. If you can't stand to see your investment lose value or take a long time to see a reasonable return then you may want to stay away from biotech/pharma's that live or die by the FDA's approval process as well as any company directly involved in the production of oil/natural gas. Those are on the risky side of the spectrum but can also see explosive returns if a drug is approved or oil goes back to the $80-100 per barrel range. Dollar cost averaging a sector fund would be a safer way to play energy since no one knows what the price floor is on oil.
You mentioned AT&T. While they do pay a nice dividend for a major company they tend to trade in a channel or range of $31-36 the last few years and is a common stock for those seeking income. It is also nice for dividend growth (think compound interest), a strategy that takes years or even decades to realize a great return.
Midstream (energy infrastructure such as pipelines and outfitting ports) is a relatively safe play as the US is expected to expand its pipelines over the next few years to accomodate the export of domestic energy resources. They also pay a nice dividned. Major players in that industry are Kinder Morgan (KMI) and Enterprise Products Partners (EPD), among others.
If interest rates rise this year or next it will be a winfall for banks and brokers alike. Discount brokers and regional banks will likely see the biggest gains from a rise in rates, but all of the aformentioned will benefit. Investing in a financial sector ETF would not be a bad way to go.
With energy on the cheap some Industrials are attactive, particularly transportation stocks. Airlines were expected to grow before energy got cheaper with most major airlines expanding routes and planes on back order with Boeing (potentially a good play but also tied to the defense and aerospace industries) and Airbus.
Health care is a good long term play (by long term I mean over 1 year) with the baby boomers retiring. HC won't be any less necessary in the future. A sector ETF or mutual fund could be a good play.
Information Tech has been booming the last few years. So much so that some are wondering if another bubble is forming. Diffucult to say but semiconductors have seen excellent performance recently (Intel being the big name but there are many others).
TL;DR: Sectors expected to do well this year are Financials, IT, Health Care. Airlines seem to be a good play until energy goes back up. Midstream is relatively safe with good growth prospects. IT sort of a wild card. Energy is a risk/return type of proposition.
Hope this helps but REMEMBER: Plan your trade and trade your plan, and leave your emotions at the door.
|30 weeks 2 days ago||Meh 6/10 needs chili but||
6/10 needs chili
but really thats disgusting
|45 weeks 5 days ago||(No subject)||
|46 weeks 5 days ago||Correlation does not imply||
Correlation does not imply causation.
|46 weeks 5 days ago||nvm||
|46 weeks 5 days ago||A different take||
The price at which a stock trades has, or should have, little bearing on how a CEO is perceived with certain exceptions (see Elon Musk). Once a stock prices for an IPO any consideration of how the trading price reflects on a CEO is ill-advised. The trading price is subject to supply and demand and market perception.
In the case of Domino's the $14 IPO price was under the expected price range of $15-17. Why? The company was almost $1 billion dollars in (long term) debt and if everybody knows that you need to make money then you will get low-balled. Simple as that.
Now, does the size of long term debt (the worst kind for a company's stock) reflect on the CEO? Absolutely. Remember though, at that time 65% of Domino's was owned by Bain Capital (Mitt Romney's company) who, at that time, had the power to dictate the direction of a private company. Regardless, the state of Domino's at this time was poor and they needed an injection of capital. That is the biggest indictment on DB.
Is it all on the CEO? Hindsight being 20/20 the answer is no. 2007 saw a beginning to the huge decrease in discretionary spending in the US economy. People were not eating out. Grocery chains then saw their stock prices begin outperform the market in the wake 2008. The fact that the stock price increased after the greatest economic setback of our lifetime does not relfect on the CEO very much. Rather, it speaks to the business acumen of Bain to go public, maintain company with a stable stock price when all others are failing, then take off when the market rebounds.
LET ME MAKE THIS CLEAR. I am not a DB supporter but I am a registered stockbroker. This was meant to provide objectivity, not to support Brandon. Does he have a role in the high amount of debt that forced Domino's hand to go public? Maybe, I don't know. Pobably. One thing that is clear is that this scenario as presented is not really an indictment on the ability of Dave Brandon as a CEO.
|48 weeks 4 days ago||Gandalf as Dave Brandon and||
Gandalf as Dave Brandon and Bilbo as Michigan Fans
|1 year 10 weeks ago||But who are his 5 Best||
But who are his 5 Best Rappers of all time?
|1 year 11 weeks ago||Definately read if you've||
Definately read if you've already started. You miss details, some bigger than others, when you only watch the show. The show sometimes glosses over what the books go into detail about and also necessarily omits some material. The show also details what the books only discuss through third parties. At that point it feels as if the show is offering 'extra' content if you've already read.
While most point to book 4 as the weakest of the series, it is likely due to the fact that some of the most important characters are absent. The fifth book has become Martin's best work in my opinion. It is the most intelligent book in the series offering the most compelling character development and moral challenges. However, this was not apparent on the first read due to the sheer size of the book.
I was actually a little disappointed immediately after book five and it wasn't until closer examination and rereads that I realized how much GRRM had grown since the first few books. I actually consider, between books, reading if for a third time. Its that dense that it continues to reward me. Of course there are a series of essays that I attribute to my greater understanding.
They are located here:
(MAJOR BOOK 5 SPOILERS!! DO NOT CLICK THE FOLLOWING LINK UNLESS YOU WANT BOOK 5 TO BE SPOILED) fair warning