[teaboy]

let’s be realistic, Trump being sycophantic to other despotic world leaders (i.e. Putin, Kim, MBS, etc) is just self-preservation. If he pissed off any of those guys their people could probably quite easily hack and wikileak his tax returns or other even more politically explosive records faster than you could say “President Pence.”

tb

[teaboy]

From google:

Over 80% of the stocks in the S&P 500 pay a dividend, though most yield only 1% or 2%. But screening for the highest-paying dividend stocks in the S&P 500 reveals some impressive yields.Dec 17, 2018
https://cabotwealth.com/daily/dividend-stocks/highest-paying-dividend-stocks-sp-500/

tb

[teaboy]

[quote=evolusd]I believe dividends are paid out of profits/cash flow, not by issuing new stock and diluting existing shareholders (if that’s what you mean by ‘stocks are sold’).[/quote]

Correct, dividends are typically paid out of retained profits, but the effect on share price should be reflected by a corresponding drop in market cap and hence the share price (in a perfect market.) That’s why you’ll typically see share prices drop the day the go ex-dividend.

Say, there’s probably a much better explanation of this online somewhere, but if you cant be arsed to google it, mm, neither can I..

tb 🙂

[teaboy]

No, I’m not 100% sure what it is. But I know it don’t smell like firewood.
The links only seemed to address outside burning, not burning in a home’s fireplace.

I seem to have limited (legal) options.

tb

[teaboy]

Here’s a photo I took after the smoke died down a little.
No other chimneys in the neighborhood are black like that (from all the trash soot, presumably).

The STOP sign is rather conveniently placed.

[img_assist|nid=26612|title=|desc=|link=none|align=left|width=700|height=793]

[teaboy]

So, $1000 was the lowest quote I got, the minimum job size the company would take.
Think I’ll investigate what termite repellent/treatment I can buy and start with some spot treatments myself.

tb

[teaboy]

Thanks for all your replies!

tb

[teaboy]

The chart also assumes a 20 percent down payment, which is what experts typically recommend, and four percent interest on a 30-year fixed-rate mortgage.

Finally, it assumes you’ll pay the national average in property tax ($180 per month) and homeowners insurance ($80 per month).

[teaboy]

I dont know if this thread is real or a hoax, but it’s just what this site has been lacking for quite a while now. Such a nailbiter.
I’m on the edge of my seat; cant wait to find out if it works out or not.

tb

[teaboy]

Flu,
So wtf do we do now? I’m 95% cash and still waiting for the equities apocalypse/buying opportunity we talked about. After successfully predicting the Trump win, we still lost by incorrectly predicting the resulting direction of stock prices.
I’m regretting I didn’t hold longer, now.
Gosh darn it, when will I learn?!? It’s “time in the market” that counts.

Niels Bohr: “Prediction is very difficult, especially about the future.”

tb

[teaboy]

Whhhhhhhhhhyyyyyyyy??????
Why did I sell everything on Friday?!!

Perhaps I should market myself as a short-term contrarian indicator.

tb

[teaboy]

flu, thanks for sharing.
by “transaction costs” I meant the buy/sell spread. Per my understanding that’s the main “cost” when I’m buying/selling equities, and how the moneymakers make the bulk of their money. Pls correct me if i’m wrong.

I’ve been sitting on my hands waiting to sell more, since I feel the only way is down (short term; 1-2 yrs) and we’re overdue a stock market correction and economic recession. But my main fear is that after selling I’ll be stressing every day on when to buy back and then will fail at that even if I sell at a reasonable good time.

I’m also thinking of selling my sfh in Poway since i’m sure housing cant keep going up once the recession bites. But I probably wont do anything about it.

tb

[teaboy]

[quote=flu]I’m out..Period. Of the remaining 10%, 5% is in physical metals.
[/quote]

Flu, out of interest what % cash were you before you went 90%? I went from 100% equities to 50% cash / 50% equities (S&P500 ETF) about 3 months ago.
I have been considering selling some more equities to go 75% cash but that would require paying cgt (+ transaction costs) so i’ve been procrastinating.

I’ve not had much luck with timing the market previously, so my default position is to stick to time in the market.
But, you’ve been fairly prescient in the past.

Do I hold and risk regretting not selling or sell and risk regretting not holding?

in two minds,
tb

[teaboy]

[quote=HLS]Almost every standard mortgage payment is due on the 1st of the month and has a 15 day grace period before a late charge.
If you mail a check, you avoid any extra fees.

Contrary to what many people think, there is no benefit to paying a monthly mortgage payment early in the month. It does not improve your credit score nor does it pay off your loan any faster.

The company you send your payments to is a SERVICER, they don’t own your loan.
Each one has its own rules about paying online and whether or not they charge an additional fee after a certain date in the month.
They CANNOT charge anything extra if you send a check that is received by the 15th.[/quote]

If you have a mortgage rate of 3.5%, a monthly payment of $2500, and you pay on the 15th instead of the 1st, you get charged 3.5% interest on that $2500 for 15 days every month, I believe.
BTW, that would work out to $43.15/year.

tb

[teaboy]

how’s that working out for you in the long run, timing the market?

tb

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