quote:Mix of both. I have many "low cost" ETF, but can't help to buy some individual stocks once in a while.
Originally posted by Richard Beer FrothDo you mostly invest in individual stocks? I would have taken you as a low cost ETF index fund kinda person…
RBF
quote:
Originally posted by skinneejquote:Mix of both. I have many "low cost" ETF, but can't help to buy some individual stocks once in a while.
Originally posted by Richard Beer FrothDo you mostly invest in individual stocks? I would have taken you as a low cost ETF index fund kinda person…
RBF
If you like divs these 2 are purt good… SCHD and VYM… Not, 6-7% good, but low cost and diversified with strong companies…
I am waiting on a significant market correction and sitting on purt large chunk of cash… And yes, I know you can’t time the market, but things seem a little “frothy” for me right now, and I see no reason to jump into very much…
RBF
For sure. We are due for a recession… But with all of this talk about corporate tax breaks, it’s all up in the air right now.
quote:
Originally posted by skinneejFor sure. We are due for a recession… But with all of this talk about corporate tax breaks, it’s all up in the air right now.
10-4, but interest rate hikes will prolly negate any pick up…
Also, what Trump proposes won’t create enough additional GDP/tax revenue to cover the expenditures… Anything he proposes for “small” tax cuts are ridiculous compared to the deficit… He then offsets or increases spending via military and infrastructure, so back to increasing deficits…
Essentially, what Trump is proposing with his skeleton tax plan is a slick version of another QE that is not so overt as the last ones…
RBF
quote:Yep. Anyone's guess at this point. I'm glad that I got my mortgage locked in at a reasonable rate 4.25%. I was hoping things would stay stable until then.
Originally posted by Richard Beer Froth10-4, but interest rate hikes will prolly negate any pick up…
Also, what Trump proposes won’t create enough additional GDP/tax revenue to cover the expenditures… Anything he proposes for “small” tax cuts are ridiculous compared to the deficit… He then offsets or increases spending via military and infrastructure, so back to increasing deficits…
Essentially, what Trump is proposing with his skeleton tax plan is a slick version of another QE that is not so overt as the last ones…
RBF
If rates start moving up, we are all doomed, except land lords… I would think that rising rates kill the buyers and depress home values which hurts everyone (unless you are not a property owner with a ton of cash ready to snap up good deals).
quote:
Originally posted by skinneejquote:Yep. Anyone's guess at this point. I'm glad that I got my mortgage locked in at a reasonable rate 4.25%. I was hoping things would stay stable until then.
Originally posted by Richard Beer Froth10-4, but interest rate hikes will prolly negate any pick up…
Also, what Trump proposes won’t create enough additional GDP/tax revenue to cover the expenditures… Anything he proposes for “small” tax cuts are ridiculous compared to the deficit… He then offsets or increases spending via military and infrastructure, so back to increasing deficits…
Essentially, what Trump is proposing with his skeleton tax plan is a slick version of another QE that is not so overt as the last ones…
RBF
If rates start moving up, we are all doomed, except land lords… I would think that rising rates kill the buyers and depress home values which hurts everyone (unless you are not a property owner with a ton of cash ready to snap up good deals).
Interest rates are interesting (no pun intended).
If there is a pretty clear view they are going to start to rise consistently, it can cause an increase in demand driving prices higher in the short-term… Basically, a stampede to get the money on the cheap… Trying to predict the American consumer is like trying to read tea leaves… Same goes for corporations, they will start borrowing either to purchase CAPEX, or to just sit on it…
We shall see… I hope they go up as we need a cushion for the next recession. ZIRP or NIRP is the end of our rope… When banks start charging to keep deposits as a means to
Our corporation doesn’t really borrow for CAPEX expenditures. All cash (at least in my department).
As far as banks charging to keep deposits, has this been done before in the world? I’ve got banks trying to pay for deposits. Bank of America is offering $300 to set up an account and hook up direct deposit. It is my understanding that deposits are what give them leverage to loan out money. Why would they charge to keep your deposits if it kills off their leverage to loan out cash?
quote:
Originally posted by skinneejOur corporation doesn’t really borrow for CAPEX expenditures. All cash (at least in my department).
As far as banks charging to keep deposits, has this been done before in the world? I’ve got banks trying to pay for deposits. Bank of America is offering $300 to set up an account and hook up direct deposit. It is my understanding that deposits are what give them leverage to loan out money. Why would they charge to keep your deposits if it kills off their leverage to loan out cash?
http://www.investopedia.com/articles/investing/070915/how-negative-interest-rates-work.asp
RBF
quote:I didn't see anything in that article that said the bank would charge a consumer to hold his deposit. What am I missing?
Originally posted by Richard Beer Frothquote:http://www.investopedia.com/articles/investing/070915/how-negative-interest-rates-work.asp
Originally posted by skinneejOur corporation doesn’t really borrow for CAPEX expenditures. All cash (at least in my department).
As far as banks charging to keep deposits, has this been done before in the world? I’ve got banks trying to pay for deposits. Bank of America is offering $300 to set up an account and hook up direct deposit. It is my understanding that deposits are what give them leverage to loan out money. Why would they charge to keep your deposits if it kills off their leverage to loan out cash?
RBF
quote:
Originally posted by skinneejquote:I didn't see anything in that article that said the bank would charge a consumer to hold his deposit. What am I missing?
Originally posted by Richard Beer Frothquote:http://www.investopedia.com/articles/investing/070915/how-negative-interest-rates-work.asp
Originally posted by skinneejOur corporation doesn’t really borrow for CAPEX expenditures. All cash (at least in my department).
As far as banks charging to keep deposits, has this been done before in the world? I’ve got banks trying to pay for deposits. Bank of America is offering $300 to set up an account and hook up direct deposit. It is my understanding that deposits are what give them leverage to loan out money. Why would they charge to keep your deposits if it kills off their leverage to loan out cash?
RBF
http://www.businessinsider.com/negative-interest-rate-bank-account-impact-2016-2
Most scenarios are with a slight negative rate. However, if the rates were to be lowered significantly, the bank would have to charge… They have to make their spread, it is just backwards…
The banks basically pay a person to borrow money. Essentially, you take out a $100K loan and only pay back $95K… Gotta also taken into account the central bank will be loaning the monies to the banks at an even deeper discount… Bank borrows $100K from CB and only pays back $90K. Once it gets to a ce
Let’s just hope this MUX that I bought at $3.92 on the advice of Schools keeps paying da billz… It’s up to $2.94 today… Wait a minute…
quote:
Originally posted by Richard Beer Frothquote:
Originally posted by skinneejquote:I didn't see anything in that article that said the bank would charge a consumer to hold his deposit. What am I missing?
Originally posted by Richard Beer Frothquote:http://www.investopedia.com/articles/investing/070915/how-negative-interest-rates-work.asp
Originally posted by skinneejOur corporation doesn’t really borrow for CAPEX expenditures. All cash (at least in my department).
As far as banks charging to keep deposits, has this been done before in the world? I’ve got banks trying to pay for deposits. Bank of America is offering $300 to set up an account and hook up direct deposit. It is my understanding that deposits are what give them leverage to loan out money. Why would they charge to keep your deposits if it kills off their leverage to loan out cash?
RBF
http://www.businessinsider.com/negative-interest-rate-bank-account-impact-2016-2
Most scenarios are with a slight negative rate. However, if the rates were to be lowered significantly, the bank would have to charge… They have to make their spread, it is just backwards…
The banks basically pay a person to borrow money. Essentially, you take out a $100K loan and only pay back $95K… Gotta also tak
quote:
Originally posted by Edistodanielquote:
Originally posted by Richard Beer Frothquote:
Originally posted by skinneejquote:I didn't see anything in that article that said the bank would charge a consumer to hold his deposit. What am I missing?
Originally posted by Richard Beer Frothquote:http://www.investopedia.com/articles/investing/070915/how-negative-interest-rates-work.asp
Originally posted by skinneejOur corporation doesn’t really borrow for CAPEX expenditures. All cash (at least in my department).
As far as banks charging to keep deposits, has this been done before in the world? I’ve got banks trying to pay for deposits. Bank of America is offering $300 to set up an account and hook up direct deposit. It is my understanding that deposits are what give them leverage to loan out money. Why would they charge to keep your deposits if it kills off their leverage to loan out cash?
RBF
http://www.businessinsider.com/negative-interest-rate-bank-account-impact-2016-2
Most scenarios are with a slight negative rate. However, if the rates were to be lowered significantly, the bank would have to charge… They have to make t
Timber…
RBF
he already covered this. sell the rips, buy the dips, dollar cost averaging. and stuff. he’s way ahead.
Somebody warned about buying overpriced stocks…
quote:Good thing you shorted it.
Originally posted by skinneejSomebody warned about buying overpriced stocks…
After being released, a lot of fish die, but a lot of them live also.
quote:This stock is a dangerous short. Learned about shorting the hard way many years ago.
Originally posted by CaptFritzquote:Good thing you shorted it.
Originally posted by skinneejSomebody warned about buying overpriced stocks…
After being released, a lot of fish die, but a lot of them live also.
quote:
Originally posted by skinneejquote:This stock is a dangerous short. Learned about shorting the hard way many years ago.
Originally posted by CaptFritzquote:Good thing you shorted it.
Originally posted by skinneejSomebody warned about buying overpriced stocks…
After being released, a lot of fish die, but a lot of them live also.
Is it possible for you to short a stock…
RBF
quote:Tall joke?
Originally posted by Richard Beer FrothIs it possible for you to short a stock…
RBF