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Incredulity

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Everything posted by Incredulity

  1. We all are. Be suspicious of anyone who claims to know what an individual stock will do. Mega cap tech has had an absolutely absurd 8-10 year run. I have personally lucked(by that meaning I thought the investments were sound but in no way predicted 10x returns) into some very nice gains on MSFT positions I bought in the mid 20teens. In my opinion there is a plausible argument its going nowhere for the medium term. Similar to it's performance from approx. 2001-2015. OR, they crack the AI genie code and unleash unlimited value creating a unprecedented stream of revenue and the stock 10x's again over the next decade.
  2. CDs and HYSA yields are going to be similar rates. Here is a chart on the history of CD rates. They were essential zero from 2010 to 2022. Very well could be my own bias, but as I said I am doubtful they will offer sustained 4% yields. So you may be in a situation where a 6 month CD matures and you're looking at 2.5% or less, and of course there is a chance rates go up and you do better. Its anyones guess really. https://www.bankrate.com/banking/cds/historical-cd-interest-rates/
  3. Sounds like you are pretty set on selling them. "Safe", I assume means HYSA or T-bills. I am very doubtful HYSA yields will sustain over 4% yields in the medium term. You can lock in 4.75% on a 30 T-bill and be done with it. Anyone who did that in 2002 looked pretty smart for the last 20 years in terms of risk free return. That said, I'd guess your 30-40% of the way to 4.75% on the dividends. You also have to take into consideration the tax rate of qualified dividend vs. ordinary income. So you are likely well over 50% of the way to the desired yield on dividends. Obviously, its extremely easy to manage someone else's financial decisions over the internet. That said my gut reaction is, its a free roll. Clip the dividends and ride the wave.
  4. You can get buy or sell opinions on any of those stocks. IMPO they all are solid historical performers that pay dividends. Its a fairly safe assumption they will continue to appreciate in value and you get the dividend income over time if you hold. Of course there is single stock risk in any of them and they could decline significantly at any time. I assume your basis is based on inheritance date so tax isn’t a concern if you sell. So the question becomes what other needs/wants do you have for the money?
  5. Its Confederated Products.... it's this whole other company!
  6. She gets to get it with Luigi too?
  7. https://www.usatoday.com/story/travel/cruises/2025/02/10/holland-america-cruise-norovirus-outbreak-rotterdam/78392376007/ The cases mark the seventh outbreak of gastrointestinal illness on cruises that has met the health agency’s threshold for public notification in 2025. There were 18 outbreaks last year – including on Rotterdam in December – most of which were caused by norovirus.
  8. Costco isn’t restocking returns it goes to close out/ reclamation and is deducted from the vendor.
  9. prima-facie means the the new CEO of United Healthcare get to sleep with Luigi on his first night after sentencing, before he gets run through in federal pound you in the ass prison.
  10. Or they don't report accidents when they hit something with their 15 year old rusted pile of Detroit shitbox.
  11. Costco famously changed electronics returns to 90 days due to these assholes. And make no mistake Costco isn't taking back these returns at their own expense, they are being line item deducted from payments to vendors.
  12. I rather enjoyed watching the Dline of Philly destroy KC. Not a great game entertainment wise by any standard definition , but hats off to those guys. Unbelievable performance.
  13. Halftime was fine. I was way more irritated with the pregame slog. The new years attack was awful. I don’t need 4 separate, “we’ll all heal together through football” musical interludes/speeches/acknowledgements/announcements ……in 30 mins surrounding the supposed 5:30 kickoff time.
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