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  • Which Stocks do you own?

    Posted by Unknown Member on July 10, 2013 at 6:05 am

    How many people watch the ticker minimized on a pc at work..Any day traders making some extra cash between reading studies? Which stocks do you own? I am heavy into biopharma as I know the industry and the language…

    kayla.meyer_144 replied 2 years, 8 months ago 45 Members · 259 Replies
  • 259 Replies
  • btomba_77

    Member
    July 10, 2013 at 6:09 am

    I mostly avoid individual stocks and take a long term, DCA, low cost index fund approach. I also try to avoid active trading.
    My largest individual holding is VDIGX.

    • Unknown Member

      Deleted User
      July 10, 2013 at 7:16 am

      This is the correct answer.
       
      I think that if you want to play with stocks, take a small amount of your savings (maybe 10%) and play the market with that, while letting the other 90% grow untouched in index funds, etc.  
       
      If you find that your stock picks consistently outpace the index funds, quit rads and go work for Merrill Lynch.  Odds are, though, that in the long run, your set-it-and-forget-it index fund investments will trounce your stock picks.
       
       

      Quote from dergon

      I mostly avoid individual stocks and take a long term, DCA, low cost index fund approach. I also try to avoid active trading.
      My largest individual holding is VDIGX.

      • Unknown Member

        Deleted User
        July 10, 2013 at 7:54 am

        I have the vanguard healthcare EFT

        • Unknown Member

          Deleted User
          July 10, 2013 at 8:37 am

          I have the most success buying stocks that have a 10 plus year track record of increasing dividends and reinvesting all of those dividends as that is playing with the houses money

          Lately though I am thinking of taking a little more risk by jumping into pipeline and natural gas plays as well as beaten down rare earth stocks

          • christian.lauterbach_799

            Member
            July 10, 2013 at 2:06 pm

            PM, MO, CVX, MMM, JNJ, CVS, KO etc.
             
            Mostly in index funds however.
             
            I would echo what people above said.  This is about preservation of capital and hopefully creating a decent dividend stream 20-30 yrs from now (my retirement horizon)
             
            You can do try Peter Lynch approach, I did it with TSLA and that worked out well (for now), but I don’t have the  time to really delve into the smaller companies, I’ll just stick with small cap index funds for that stuff.

            • pratapchandraari_713

              Member
              July 10, 2013 at 10:46 pm

              i am a daytrader and pretty decent at it.
               
              I had xone and ddd on and off over the July 4th holiday shortened week, but my new fav is tsla.
               
              Fyi: I am not long on either of these stocks currently, as I never hold for more than 24 hours, although I might make an exception for tsla.  and I never trade or think about stocks at work, only when I am off.
               
               

              • mario.mtz30_447

                Member
                July 10, 2013 at 10:54 pm

                I suck at day trading. As soon as I buy anything, it usually drops. So I end up long on everything which is not bad because I’m very patient.

                • mario.mtz30_447

                  Member
                  July 10, 2013 at 10:57 pm

                  OMG!!! Just looked at the TSLA chart. Nice going, guys!

                  • pratapchandraari_713

                    Member
                    July 10, 2013 at 11:13 pm

                    look at xone’s float and market cap and compare that to ddd and ssys….. many, many, dollar signs…..

                  • btomba_77

                    Member
                    January 13, 2020 at 7:33 am

                    Quote from IGotKids2Feed

                    OMG!!! Just looked at the TSLA chart. Nice going, guys!

                    [link=https://www.marketwatch.com/story/teslas-stock-surges-after-oppenheimer-boosts-price-target-above-600-2020-01-13]https://www.marketwatch.com/story/teslas-stock-surges-after-oppenheimer-boosts-price-target-above-600-2020-01-13[/link]
                     
                    [b]Tesla’s stock surges after Oppenheimer boosts price target above $600[/b][/h1]  

                • Unknown Member

                  Deleted User
                  July 11, 2013 at 6:13 am

                  Solution: decide what you want to buy, and then buy the opposite stock.
                   
                  Then you will be rich 🙂
                   

                  Quote from IGotKids2Feed

                  I suck at day trading. As soon as I buy anything, it usually drops. So I end up long on everything which is not bad because I’m very patient.

                  • obebwamivan_25

                    Member
                    July 11, 2013 at 9:04 am

                    One of the hardest things I have found in financial ops is to take emotion out of it.  When a stock (or fund) rises X%, sell it and stick to it.  In my own case, I have held stocks for short term with the intention of selling when it hit that % but as it runs up, I hold on to it because I don’t want to lose additional gains (read:  greed) and usually I end up losing.  In the long run, I’ve done quite well with my own picks, but I’ve missed on some gains if I had followed my rules unemotionally.  That’s why big companies and companies that I know and trust usually work better than speculations.  And mutual funds which are much harder to track that way and really are meant for long term.

                    • Unknown Member

                      Deleted User
                      July 11, 2013 at 9:52 am

                      Knowing when to sell is sooooo hard

                      I held Disney for 6 yrs bought it at 30. Told myself if sell at 50

                      I sold at 50. Today it’s 65 bucks a share

                      When is greed good is the hard part to master

                    • christian.lauterbach_799

                      Member
                      July 11, 2013 at 10:55 am

                      ha, RadsChief, we all have colleagues that we all would be rich if we played their investment advice as a contrarian.
                       
                      the only other thing i would add is always have a decent amount of cash on the sideline, you want to be able to jump in when there’s blood in the streets. good advice from buffett i believe.

                    • reuven

                      Member
                      July 11, 2013 at 10:55 am

                      It is amazing to me that you are asking doctors for stock advice without asking them what their investment background is? There are many individuals that are as smart as us whom have dedicated their careers to investing. Unless you are motivated to spend a sufficient amount of time educating yourself (years) so you are not at a disadvantage compared to investment professionals then you should stick to index funds.

                      This post is just like many others which suggests that physicians should have expertise in economics, finance, and law without any significant education is why corporate America is trying to and to some degree succeeding in taking advantage of physicians. In aggregate we are unconscious of our incompetence in these areas and arrogant. Unless we acknowledge that most of us have no expertise in these areas and seek significant education or outside expert guidance this trend of fleecing us will continue.

  • obebwamivan_25

    Member
    July 10, 2013 at 6:29 am

    Quote from canesrad

    How many people watch the ticker minimized on a pc at work..Any day traders making some extra cash between reading studies? Which stocks do you own? I am heavy into biopharma as I know the industry and the language…

    Recommend NOT watching the ticker while you work.  It’s hard enough keeping concentration on your work with techs and referring docs coming in, the phone ringing, beeper, cell phones, texts, etc. 
     
    However–I own a combination of stocks and funds.  My butt has consistently gotten burned when I have tried to outsmart the market and at this point, I look for good value in companies that I like to shop in or companies that I am pretty certain won’t go bust (i.e. big named companies who I believe will be there in a few years, companies that I personally shop in or would buy from).  In 2000, I bought eBay because I liked their business model of making a profit on every sale (unlike every other internet company whose financials were losing millions).
     
    Well, I bought it on the day it hit its all time high, then it contracted by 60% quickly.  Fortunately, it re-rose and I ended up with a small profit after 5 years or so, but I got caught in the internet craze.  A person I work with told me that we should not look at the stock market as “get rich quick” but rather “accumulate slowly and not lose”.  So rather than looking for the next great Pharm product (which could have gains of 100-200% in a year, or losses), I would look at Vanguard or T Rowe Price Health Care Fund which have good ROIs over a number of years.  Won’t get me rich but will allow me to accumulate and concentrate savings.
     
    Stocks are easier to follow and more sexy, but also easy to get bitten by emotions and losses.

    • Unknown Member

      Deleted User
      July 10, 2013 at 6:34 am

      I dont actually watch the ticker…just check my etrade account when i take small breaks from batch reading cases..or while waiting for a procedure..I do admit following my stocks more closely on days that news is coming out, like fda review panels, quarterly earnings release, etc…

  • btomba_77

    Member
    July 11, 2013 at 3:58 am

    [link=http://wallstreetwarzone.com/the-more-you-trade-the-less-you-earn/]http://wallstreetwarzone.com/the-more-you-trade-the-less-you-earn/[/link]

    [b]Warning, 82% of all day traders are losers! But deny it![/b]
     
    The bottom line is simplemost traders are losers. Earlier, [i]Forbes [/i]reported on a study that the North American Securities Administrators found that 77% of day traders lost money.
     
    Now comes more evidence, [i]BusinessWeek [/i]was reporting that 82% of all day traders lose money. That data comes from a recent study by a couple professors at the University of Taipei working in conjunction with University of California behavioral finance professors Terry Odean and Brad Barber. And yes, that is the same Odean and Barber who researched 66,400 Wall Street investors a decade ago and concluded, The more you trade the less you earn.
     
    In fact, their earlier study proved that the returns of passive buynhold investors (with just two percent turnover) were a whopping 50 percent higher than the returns of the most active traders (averaging 258 percent annual turnover). Why? Very simple, transaction costs, commissions and taxes were killing returns.
    In the new study four behavioral finance professors had access to all the records of the Taiwan Stock Exchange (TSE) for the 1995-1999 period. Not just 66,400 randomly selected accounts in Wall Streets huge database of millions of clients, but all 100 percent of the traders on TSE, including their identities, a total of 925,000 investors. Assuming the DNA of a Taiwanese trader is essentially the same as the DNA of a trader at Goldman, Morgan or Merrill, the new Odean-Barber study results actually confirm what we already know, [i]that market timing and day-trading are a losers game.

    [/i]

    • Unknown Member

      Deleted User
      July 11, 2013 at 5:37 am

      I never have day traded but I think you can make some money doing this when the market is going up 
       
      The problem is when the market is going down or stagnant it is harder to make money and that quest for thhe quick buck can lead to losses
       
      Ive done a little momentum buying and buying on dips followed by a quick sell in the past and made a few bucks that way in my IRA so I don’t have to pay cap gains tax but you really need the time to watch the markets closely to do this

    • pratapchandraari_713

      Member
      July 11, 2013 at 5:57 am

      Completely agree with you Dergon, almost all day traders I have seen have lost money.  People usually start off with too little money, hence commissions, fees, and taxes take away too much of the profit.  Another problem is people start using money that they actually need for other things, and that makes them too emotional to be a competent trader.   This should be money apart from ones retirement savings,  college, or mortgage or any other financial plans.  That’s the only way to be objective about it.
       
      The only other person I have seen be successful at it is my father, who is my mentor and has been doing it since the late nineties.  Even with that level of experience, he is right only about 60% of the time (which is enough imho).   Also, I would categorize what i do more as swing trading (holding for 24-48 hours) rather than day trading (holding for minutes/hours).     

      • Dr_Cocciolillo

        Member
        July 11, 2013 at 6:03 am

        i think most of us on here consider day trading what you call swing trading — holding individual stocks from few days to a few months.  
        not literally holding them for 20-90 secs.  to make money for holding an equity for such a short period of time, must play with a lot of money (50k, 100k, etc) IMO.  

  • jun52.park

    Member
    July 11, 2013 at 11:13 am

    AMRN….at a crazy discount right now….wait til it goes below 5 though

    • Dr_Cocciolillo

      Member
      July 11, 2013 at 12:17 pm

      Kpack123

      So true. Knowing when to sell is in my experience harder than knowing when to buy. I sell at suboptimal time 2 out of 3 times.

      I held BA for 2 yrs only to sell at slight gain and watch it rocket from mid 70s to over 100. Such is moment sometimes.

      • Unknown Member

        Deleted User
        July 11, 2013 at 2:17 pm

        i have made alot of money with snts and thrx.. i am long but take some profits and put into VHT index fund……also mjna (medical marijuana)…haha…missed the boat on tsla but bought 20 shares at $55..fun to watch this one…

        • btomba_77

          Member
          July 11, 2013 at 2:42 pm

          My current asset allocation is 100% equities.
           
          That breaks to 75% Domestic US and 25% international.
           
          On the domestic side that is 50% large cap (a bit heavy on dividends), 20% mid cap, 20% small cap and 10% US REIT Index.
           
          On the International Side it is a split of about of Small Cap, Large Cap, Emerging Markets and then 10% in an international REIT.
           
          Except for a few legacy funds from the days when I had a broker, almost all is now in low-cost index funds.
           
          I have it tax efficient to the best of my abilities with the dividends and REITs in tax-deferred accounts and the rest in my taxable accounts.
           
          At the start of each month about 50% of my money (1 of 2 paychecks) gets transferred into my brokerage account.  I’ll make an “eye ball” assessment and buy funds in a way to keep an ongoing rebalancing as close as I can.  
           
          Try not to trade too much, keep expenses low, avoid taxes.  Wait 40 years 🙂
           
           
           
          The only thing really at all atypical is that for my age and retirement horizon I am waaay underweight bonds.   I’m 45.  I said to myself that at around age 50 I would start going more for fixed return but for now, the dividend funds are my bond equivalent.

          • Unknown Member

            Deleted User
            July 11, 2013 at 4:04 pm

            To the poster above critiquing the acumen of physicians as investors

            I agree to a point but the so called experts and highly trained guru’s are often wrong as much as they are right or they are serving their own interests when giving you advice

            So the best thing to do is educate yourself start out moderately conservative and stick with works

            The best investor I ever knew was a high school grad who never earned a salary more than 28,800 a year and had a 2 million dollar stock portfolio by the time he retired at 58

            • christian.lauterbach_799

              Member
              July 11, 2013 at 4:43 pm

              kpack…is absolutely spot on. 
               
              i’ll take my math/finance background and interest in securities since i was 13 years old and put myself up against any of those guys.  plus these ‘experts’ are managing huge sums of money and basically you are dealing with a different beast.
               
              we’re much more nimble as small individual *investors*.
               
              it’s just advice. only a fool would take this advice in a vacuum and run with it.

              • Unknown Member

                Deleted User
                July 12, 2013 at 5:45 am

                I think it is fun to have a few pet stocks..I am young and can be a bit more aggressive. I have a “guy” for the whole- life insurance, retirement plans, funds, etc…but I like to have a say in the day to day aspects of my portfolio…

                • btomba_77

                  Member
                  July 12, 2013 at 6:18 am

                  The fees that you pay your “guy”, plus the liklihood that he has you invested in high-cost actively managed funds (probably ones he gets a backside comission to put you into), plus your “day-to-day” trading in your account will most likely, over the long term cause you to significantly underperform the market.
                   
                  For a radiologist, this could be a million dollars or more by the time retirement hits.

                  • hal1019

                    Member
                    July 12, 2013 at 6:40 am

                    Dergon, dont you have a “guy” through whom you get diability insurance?

                    • Unknown Member

                      Deleted User
                      July 12, 2013 at 8:46 am

                      nope ..only have him for the whole life policy and my wife’s sep…And all my insurances…haha…he tries to get me into multiple other products but I know better.

                    • btomba_77

                      Member
                      July 12, 2013 at 8:50 am

                      Quote from canesrad

                      nope ..only have him for the whole life policy and my wife’s sep…And all my insurances…haha…he tries to get me into multiple other products but I know better.

                      Ahh… good for you.   I thought you were referring to full service “financial advisor” — 1%/year on all assets etc.
                       
                       
                      And I have disability provided through my group.

          • Unknown Member

            Deleted User
            January 5, 2020 at 8:44 pm

            Quote from dergon

            My current asset allocation is 100% equities.

            That breaks to 75% Domestic US and 25% international.

            On the domestic side that is 50% large cap (a bit heavy on dividends), 20% mid cap, 20% small cap and 10% US REIT Index.

            On the International Side it is a split of about of Small Cap, Large Cap, Emerging Markets and then 10% in an international REIT.

            Except for a few legacy funds from the days when I had a broker, almost all is now in low-cost index funds.

            I have it tax efficient to the best of my abilities with the dividends and REITs in tax-deferred accounts and the rest in my taxable accounts.

            At the start of each month about 50% of my money (1 of 2 paychecks) gets transferred into my brokerage account.  I’ll make an “eye ball” assessment and buy funds in a way to keep an ongoing rebalancing as close as I can.  

            Try not to trade too much, keep expenses low, avoid taxes.  Wait 40 years 🙂

            The only thing really at all atypical is that for my age and retirement horizon I am waaay underweight bonds.   I’m 45.  I said to myself that at around age 50 I would start going more for fixed return but for now, the dividend funds are my bond equivalent.

            Beautiful allocation

            For high networth individuals who can live on dividends for a decade or more bonds may not make as much sense. Selling in a down market can be avoided.

            The intense volatility will be difficult to stomach.

            • btomba_77

              Member
              January 6, 2020 at 5:50 am

              Beautiful allocation

              For high networth individuals who can live on dividends for a decade or more bonds may not make as much sense. Selling in a down market can be avoided.

              The intense volatility will be difficult to stomach.

              Thanks!

              That post was nearly 7 years ago. Ill turn 53 in a few weeks.

              Allocation looks similar but Im now 85/15 equities / bonds

              Im still highly conscious about keeping costs and taxes low. I still dont trade actively. I have one individual stock remaining (AAPL). Everything else is low cost index.

              About 3 years I stopped making regular monthly investments as a number of life expenses cropped up instead. (New car, new kitchen, new island… that last one is a doozy 😉 )

              But all of that is now paid off. I have about a year of cash accumulated waiting for a little downturn to jump back in … that never seems to come.

              Im about 25-40% better than my retirement target number for this age.

              All in all its going pretty well… time to part time 🙂

  • pratapchandraari_713

    Member
    July 11, 2013 at 2:16 pm

    A lot of people fall into the trap of trying to predict the absolute high and absolute low.  I would rather make $2 on a stock going from $20 to $30 then try to time the absolute high.  There will always be another boom or tasr or goog or tsla to jump onto.   Never regret taking a profit.    

  • obebwamivan_25

    Member
    July 13, 2013 at 10:18 am

    I have a financial planner that I have used, but about 5-6 years ago, I decided to stop funding his account (but left what was there) and take my retirement and other savings into my own self-directed accounts.  (I’ve always had my own stuff anyway, but not my retirement until about 5 years ago).
     
    I decided to see how I did vs. the “pro”.  Well, so far, I have won by double digits over his returns.  One way I have “won” is by going into very low cost funds, not just indexes but no-load low fee vehicles.  Also, I have put some money into individual stocks that have large upside, good dividends, and/or trusted companies that I believe will be there for a long time.  A few investments have been “risky” (i.e. companies I may know from radiology who aren’t yet widely know or safe) but may be bought by a big J/J or something.
     
    So, I do NOT believe that only the “pros” can invest wisely.  I am not here to give advice on individual stocks, nor does it seem most people are.  Rather, I think we are having the theoretical discussion of HOW to invest and what strategies to take, and I always find that interesting. 

    • avalenzuela_416

      Member
      July 14, 2013 at 6:23 pm

      I hold only Vanguard Total World Stock Index Fund and Vanguard Total Bond Index Fund. I like to keep my investing idiotically simple. I save my after hours analytical skills for pairing wine with food.

      • elikot

        Member
        July 15, 2013 at 5:14 am

        Yeah, hows that working out for ya over the last 6 months?
         

        Quote from Call me Al

        I hold only Vanguard Total World Stock Index Fund and Vanguard Total Bond Index Fund. I like to keep my investing idiotically simple. I save my after hours analytical skills for pairing wine with food.

        • avalenzuela_416

          Member
          July 15, 2013 at 5:31 am

          Quote from seattlerad

          Yeah, hows that working out for ya over the last 6 months?

          Quote from Call me Al

          I hold only Vanguard Total World Stock Index Fund and Vanguard Total Bond Index Fund. I like to keep my investing idiotically simple. I save my after hours analytical skills for pairing wine with food.

          Up approx 10 percent on stock. Down a little on bond, but most of my portfolio is in stock.

        • btomba_77

          Member
          July 15, 2013 at 5:49 am

          Quote from seattlerad

          Yeah, hows that working out for ya over the last 6 months?

          Quote from Call me Al

          I hold only Vanguard Total World Stock Index Fund and Vanguard Total Bond Index Fund. I like to keep my investing idiotically simple. I save my after hours analytical skills for pairing wine with food.

           
          Completely the wrong question to ask.
           
          The right question for the investor saving for retirement is “How will that work out for him over the coming 30 years?”   Six months is a blip and should not prompt any long term investor to change his/her asset allocation.
           
          Call me Al is using the traditional Vanguard “lazy portfolio”(although the classic version would have a third fund for an international stock index fund).   If he uses low cost funds, has appropriate asset allocation relative to his retirement time horizon, and rebalances appropriate to keep his asset allocation in line, he is likely to outpeform the vast majority of investors and even the vast majority of actively managed funds over his investment lifetime.
           
           
           

           

          • lisbef3_453

            Member
            July 15, 2013 at 7:13 am

            It’s hard to not be fearful while this current bubble inflates after getting slammed twice in a row.   ‘You can’t time the market’ but being a ‘muppet’ is less than fun.
             
            IIRC, holding a %age of bonds = to  your age is a bogle-ism.

            • btomba_77

              Member
              July 15, 2013 at 7:44 am

              Quote from Adahn

              It’s hard to not be fearful while this current bubble inflates after getting slammed twice in a row.   ‘You can’t time the market’ but being a ‘muppet’ is less than fun.

              IIRC, holding a %age of bonds = to  your age is a bogle-ism.

               
              Many bogleheads consider the age = %age of bonds as overly conservative.   Maybe “age -20” is better or something approximating.
               
              But, stock market crashes are common and normal.  When they happen early in your investment lifetime you have plenty of time to recover. Even with both the 2008 and 1999 stock market crashes I have continued my plan of monthly investing without any change of course.  And I have done pretty done well.      When crashes matter is when you are close to retirement age and don’t have time to make up for it (and this shouldn’t be the case if you have your allocation appropriately set), or even worse, when you sell out of equities due to fear and miss the return rally.
               

              • Unknown Member

                Deleted User
                December 18, 2014 at 5:43 pm

                Think about the millions of professionals out there trying to make money trading stocks.  Think about the market efficiencies which now exist thanks to technology that didn’t exist 25 years ago.  Think about how quickly information is spread throughout the world.
                 
                Then buy index funds and have patience.

                • Unknown Member

                  Deleted User
                  December 18, 2014 at 6:36 pm

                  Ha! Occam’s razor

                • jun52.park

                  Member
                  December 18, 2014 at 7:51 pm

                  Quote from macrophallus

                  Think about the millions of professionals out there trying to make money trading stocks.  Think about the market efficiencies which now exist thanks to technology that didn’t exist 25 years ago.  Think about how quickly information is spread throughout the world.

                  Then buy index funds and have patience.

                   
                  Unless you enjoy gambling from the comfort of your own home and hate blackjack, roulette and craps…..
                   
                  The large penis speaks the truth…..90% of my money is in VTSAX (vang us index fund with low fees) and international as well as emerging market index funds (much more heavily weighted towards US stocks)….but with the other 10 %, i plan on beating the market…..

                  • antoni.bielazik_633

                    Member
                    December 18, 2014 at 8:28 pm

                    Vanguard 500 index fund represents corporations that hold 80% of the capital in the US economy.  It automatically diversifies your portfolio.  Even with recessions, the growth averages out to be 6.5% (adjusted for inflation and fees) a year.

              • radtek90_606

                Member
                December 30, 2014 at 5:14 pm

                AAPL is my favorite.
                (never watch the ticker either)

                • tdetlie_105

                  Member
                  December 30, 2014 at 5:35 pm

                  Quote from drrjv

                  AAPL is my favorite.
                  (never watch the ticker either)

                   
                  Did quite well with CAKE but now with AAPL as well

                  • Unknown Member

                    Deleted User
                    December 31, 2014 at 7:48 am

                    Sure hope we don’t ask financial advisors to interpret a CT.

                    • btomba_77

                      Member
                      March 2, 2015 at 4:19 pm

                      [link=http://philpearlman.tumblr.com/post/112515523151/warren-buffett-just-gave-lebron-james-the-best]http://philpearlman.tumbl…-lebron-james-the-best[/link]
                       
                       
                      LeBron James asks Warren Buffet for a stock tip on live tv.
                       
                      Buffet’s reply: “Just making monthly investments in a low-cost index fund makes a lot of sense.”
                       
                       
                       
                       

                      Quote from Warren Buffet

                      Just making monthly investments in a low-cost index fund makes a lot of sense.
                       
                      Somebody in his position ought to have significant cash reserves, whatever makes him comfortable.  And the beyond that, owning a piece of America … a diversified piece bought over 30 to 40 years is bound to do well.    
                       
                      The income will go up over the years and there’s really nothing to worry about,

              • antoni.bielazik_633

                Member
                March 2, 2015 at 5:23 pm

                In order of increasing risk (and return):
                 
                US Total Stock Market Index Fund
                International Stock Market Index Fund
                US Small Cap Value Index Fund
                 
                1. Invest at your own risk.
                2. Costs, taxes, and inflation decrease earnings.
                3. Past performance does not predict future performance.
                 
                On a different note, Vanguard is decreasing its expense ratio on its targeted date funds from 0.18% to 0.10%.  It is also increasing its International stock composition by 10% relative to its US stock.

                • Unknown Member

                  Deleted User
                  March 2, 2015 at 7:43 pm

                  International seems look at good long term bet if you are going index fund at the moment. Has been beat down while US is at all time high.

                  • antoni.bielazik_633

                    Member
                    March 2, 2015 at 8:12 pm

                    They also increased their international bond market percentage by 10% relative to total.  I’m not a fan of that one.

              • radiologydiagnose

                Member
                March 6, 2015 at 5:30 pm

                I just read Money: Mastering the Game by Tony Robbins (I know that sounds cheesy) but it was actually great.  Most of the stuff in there I was already doing… dollar cost average, low cost index funds, but he covers several interesting strategies.  The one I now have started using was put forth in the book by Ray Dalio who is a huge hedge fund guy… he calls it the all-weather portfolio, but you can search for it as All Weather, All Seasons, or the more broadly as risk parity.  Tony sorta pushes this thing called Stronghold financial in the book… you can go to their website, but in doing research, it lead me further to the book by Meb Faber, called the Ivy portfolio which combines risk parity with following moving averages…. Too hard to explain here, but I’d highly recommend both books

              • btomba_77

                Member
                December 30, 2019 at 7:07 am

                My only individual stock holding (a whopping 1% of my portfolio)….

                AAPL up 84% ytd

                • Unknown Member

                  Deleted User
                  December 30, 2019 at 8:36 am

                  What made you revive a thread I started 6 years ago? haha

                  • btomba_77

                    Member
                    December 30, 2019 at 11:40 am

                    Quote from dergon

                    If I were to consider an individual stock (which I am not ) I would give a look at taser corporation.

                    They have a body camera unit as well as a data storage for law-enforcement data website.

                    I think we’ll be seeing lots and lots of orders soon.

                    Holy Cow …. anyone take my advice on Taser?
                     
                    (I didn’t)
                     
                    I sure wish I had bought it in retrospect.
                     
                    TASR (which changed it’s ticker to AAXN) has more than tripled the performance of the S&P500 since year end 2014.
                     
                     

                    • Unknown Member

                      Deleted User
                      December 30, 2019 at 11:57 am

                      I sold my TSLA at $40!!!!

                    • btomba_77

                      Member
                      December 30, 2019 at 12:17 pm

                      Hey… you doubled your money off the IPO !

                    • Unknown Member

                      Deleted User
                      December 30, 2019 at 8:17 pm

                      Good for young guys and gals to read a thread like this.
                       
                      Remember, we brag about our winners usually.
                       
                      Most people will underperform major indices.
                       
                      Don’t waste your time with individual stocks. Find a real hobby.  Just index and DCA. And for god sake, don’t listen to the idiots on TV. They peddle fear and frankly, have no idea what they’re talking about.  
                       
                       

                    • kaldridgewv2211

                      Member
                      January 10, 2020 at 9:22 am

                      Quote from dergon

                      Quote from dergon

                      If I were to consider an individual stock (which I am not ) I would give a look at taser corporation.

                      They have a body camera unit as well as a data storage for law-enforcement data website.

                      I think we’ll be seeing lots and lots of orders soon.

                      Holy Cow …. anyone take my advice on Taser?

                      (I didn’t)

                      I sure wish I had bought it in retrospect.

                      TASR (which changed it’s ticker to AAXN) has more than tripled the performance of the S&P500 since year end 2014.

                      around 07 I kind of got into the Jim Cramer show and started my own little Scottrade account.  I ended up taking a flyer on Sirius XM during the crash.  $500 in at .13cents a share was close to 4000 shares.  My thought was small gamble but maybe the car sales are going to boom with the cash for clunkers. Ended up bailing on it at around $5.00.  I think it ended up going up toward $7 or $8.  Thinking back I wish I would’ve moved out of it sooner and moved the $ over to APPL, or caught TSLA when it was going up like a rocket.

              • aaco

                Member
                December 30, 2019 at 10:58 am

                I have an account that I hold a few stocks to trade. Haven’t been doing much lately , but may pick up some Walgreen. Picked up some NVIDIA a short while ago when it was down. 
                A stock I have liked for a few years is Stryker. 
                [link=https://finance.yahoo.com/quote/SYK/]https://finance.yahoo.com/quote/SYK/[/link]

              • Unknown Member

                Deleted User
                January 3, 2020 at 11:23 pm

                ZYME

              • Unknown Member

                Deleted User
                January 5, 2020 at 3:27 am

                get in for the melt up

                • katiemckee84_223

                  Member
                  January 5, 2020 at 8:08 am

                  Been talking about this for 2 years, no one listens, they just lie

                  • leann2001nl

                    Member
                    January 5, 2020 at 12:56 pm

                    Quote from Intermittent Blasting

                    Been talking about this for 2 years, no one listens, they just lie

                    if you claim the market is going to tank for years, at some point you will be right. 

                    • ljohnson_509

                      Member
                      January 5, 2020 at 1:08 pm

                      Market fluctuates but rewards those who are patient. It has to otherwise no one would invest in it.

                      To say index funds are in a bubble is to say the market is in a bubble. Index funds are just passive vehicles that own nearly everything in the market.

                      You get the market return with index funds while all the stock pickers do the hard work of price discovery and may or may not beat the market. Markets have been very generous here in the US over the years.

                      Valuations do not support a bubble the likes of dot com and definitely not Japan 1989. There WILL be drops but that is expected and the best time to buy for long term investors.

                    • btomba_77

                      Member
                      January 5, 2020 at 1:08 pm

                      This is the same poster who spent the entirety of the Obama second term from 2013-2015 predicting an historic stock market crash with the Dow going to 12,000.

                      Then, based on nothing more than a single election in 2016 made a 180 degree turn in 2017 and started predicting an historic stock market rally that would run until 2024.

                      This poster makes predictions on all sides of every coin then comes back (usually with a new screen name after having been banned for violating terms of service) to tell everyone just how accurate the previous name guy was (as if we are all not supposed to know that its just him with a new handle)

                      Summary: best to put him on ignore

                    • Unknown Member

                      Deleted User
                      January 5, 2020 at 5:00 pm

                      Are you talking about me? I never posted such things before. My multiple newsletters say we will have a melt up followed by a crash of some kind once all the sideline money is in.

                      I also dont actually care what you do.

                    • Unknown Member

                      Deleted User
                      January 5, 2020 at 8:35 pm

                      The finding that net wealth creation over a twenty-nine-year period is concentrated in only 1.3% of firms (less than one percent of firms outside the US) presents a challenge to capital market and industrial organization theorists. Can existing models of firm dynamics, including entry, growth, mergers, competition, and failure account for the observed degree of concentration in wealth creation, or are new models required?

                      [link=https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3415739]https://papers.ssrn.com/s…fm?abstract_id=3415739[/link]

                      Winner take all capitalism. Fascinating.

                    • katiemckee84_223

                      Member
                      January 6, 2020 at 9:27 pm

                      Quote from dergon

                      This is the same poster who spent the entirety of the Obama second term from 2013-2015 predicting an historic stock market crash with the Dow going to 12,000.

                      Then, based on nothing more than a single election in 2016 made a 180 degree turn in 2017 and started predicting an historic stock market rally that would run until 2024.

                      This poster makes predictions on all sides of every coin then comes back (usually with a new screen name after having been banned for violating terms of service) to tell everyone just how accurate the previous name guy was (as if we are all not supposed to know that its just him with a new handle)

                      Summary: best to put him on ignore

                       
                      No it isn’t, I looked back at Cigar and while that poster was pubbing gold (it has gone up but yes equities much better) and he thought a turn back in the market (even with some posts saying it would happen into Trumps first year), he corrected because he learned that you can’t fight the fed, it’s a new era, whatever. That shows maturity, and notice also that you don’t mention that he predicted Trump would win the presidency in August 2015, which was the single greatest prediction on this board, literally a lifetime call, [i][b]and you don’t even mention it[/b][/i]. So yes, if you want to be disingenuous, ignore the greatest predictions literally of all time, and then just focus on Monday morning QB’ing. That’s the definition of a hack.
                       
                      I told everyone including kpack that the buy for 2019 was MSFT, and it was up 57%. Did you bring that up? No, because hacks who don’t like someone politically never give them any credit, though all of this is verifiable. I think kpack said something like “I already own that” and tried to outpiss some idiot idea, as if the idea that any new purchase or outsider wasn’t helped by a [b]57% gain in a single year.[/b] Yeah, that’s bad advice.
                       
                      Meanwhile, there are countless threads about “Trump is going to mess XYZ up” Trump’s going to jail, Trump’s this, Trump’s that
                       
                      [i][b]and every single one of them is wrong.[/b][/i]
                       
                      dergon, you’re the one that should be blocked, and you actually make reasonable predictions. But lying about other posters isn’t cool, and is unbecoming of someone who even has a modicum of integrity for fair reporting or posting.

              • Unknown Member

                Deleted User
                January 5, 2020 at 12:45 pm

                If you’re young I think equities do make the most sense. Also on average stock pickers have lost out to index funds for a while so save yourself the time and buy a nice broad index fund like a low cost S&P 500 ETF and hold it for 20 years.  That being said I admit there’s a strong temptation for some who think they’re financially savvy to try and beat the market with a ‘good pick’ …I even did it with GE not so long ago buying it around ~$7 but you risk big losses and lots of heartburn that way. 

              • mmalshaibani_302

                Member
                January 15, 2020 at 5:00 am

                I personally use a mix of Mutual Funds and ETF. Most of my investments are in the Schwab Market All Equity Tracker. Also Have the Schwab Health Care Fund and Treasury Inflation Protected Securities Fund. I use ETFs to expand my diversification into other sectors
                1. ACES- Alps clean energy
                2. SCHH- Schwab US REIT
                3. QTUM- Tech
                4.CLOU-tech
                5. FSTA- consumer staples
                6. XLF-financials

                The individual stocks I own are considered my play money. Most have done well but would not jeopardize my retirement if Apple were to somehow declare bankruptcy.

              • mmalshaibani_302

                Member
                January 15, 2020 at 5:02 am

                I personally use a mix of Mutual Funds and ETF. Most of my investments are in the Schwab Market All Equity Tracker. Also Have the Schwab Health Care Fund and Treasury Inflation Protected Securities Fund. I use ETFs to expand my diversification into other sectors
                1. ACES- Alps clean energy
                2. SCHH- Schwab US REIT
                3. QTUM- Tech
                4.CLOU-tech
                5. FSTA- consumer staples
                6. XLF-financials

                The individual stocks I own are considered my play money. Most have done well but would not jeopardize my retirement if Apple were to somehow declare bankruptcy.

                • Unknown Member

                  Deleted User
                  January 15, 2020 at 9:46 am

                  MSFT keeps rolling, senile kpack denies all correct predictions because his hate is big, to make up for his problem with shrinkage.
                   
                  Let me guess, Trump is still going to jail, right kpack?
                   
                  The truth hurts, bro

                  • Unknown Member

                    Deleted User
                    January 15, 2020 at 1:37 pm

                    If you want real stock advice or investment advice go to bogleheads.org.  Stocks and investing are brought up on this website a lot, ask the experts, not physicians many of whom have no clue about investing.  Some radiologists are well read up on investing and know a lot and perhaps their advice is sound, but you are taking your chances on a general radiology forum.  Bogleheads is the best forums out there for investment advice.  Im not here to promote them, just here to point novice investors in the right direction.  

                    • Unknown Member

                      Deleted User
                      January 15, 2020 at 5:16 pm

                      I have stayed away from Biotech. It’s dangerous. We know too much so we think we know how these small companies will do. It’s an extremely unstable, unpredictable field.  If you want to play in this space, I would strongly recommend no more than 5% of you assets (if that) in an individual company.  And be okay with (potentially) losing most of that investment.  

                    • amyelizabethbarrett28_711

                      Member
                      January 15, 2020 at 6:46 pm

                      Obviously biotech is a super risky investment. Im OK with the thought of losing it all if the upside is 1000% gain. I put a substantial amount in it, but not more than I am comfortable and losing. Its a fraction of my portfolio.

                      Crazy coincidence that the CEO was on Mad Money with Jim Cramer tonight. I honestly did not know that that was coming

                      [link=https://www.google.com/amp/s/www.cnbc.com/amp/2020/01/15/how-moderna-uses-amazon-cloud-to-produce-a-new-class-of-medicines.html]https://www.google.com/am…lass-of-medicines.html[/link]

                    • jeevonbenning_648

                      Member
                      January 16, 2020 at 2:38 am

                      Totally disagree.

                      They shoot down anyone who has more than 30% of their NW in real estate equity. They say it’s too risky and they should sell and put it into index funds. Really?! Hard assets in desirable areas more risky than paper at a 30 CAPE.

                      Also, they don’t know anything about stocks either, they will just tell you “buy the market”. That website is good for ultraconservative investors and boring people who have already decided that financial freedom isn’t for them and they are destined to work full time until 65, since ‘everyone else does’.

                      Then they will spend 30 pages discussing among fellow $300K income earners if they should rebalance or hold international? Like it really matters to them in the end. You can read threads from 5, 10, and 15 years ago and you’ll see the same people having the exact same mental Mister Bater discussions.

                    • keithboone3324

                      Member
                      January 25, 2020 at 9:06 am

                      Always surprised to see the number of highly educated individuals think they can beat the market long term contrary to long standing evidence of the opposite. Greed begets greed. Listen to buffet and everyone else: buy low cost index funds and don’t look at it until retirement.

                    • Unknown Member

                      Deleted User
                      January 25, 2020 at 10:35 am

                      Yep

                      Buffet buys a lot of index funds

                      Sorry but thats the lazy argument for people who dont want to take the time to understand markets finance and investment strategy

                      Thats ok if its not your thing….. but its a lazy argument

                    • Unknown Member

                      Deleted User
                      January 25, 2020 at 10:43 am

                      Buffet does 2 main things

                      1. Most of all he buys good companies with good management when they are cheap

                      2. Occasionally he bails out good companies that got in a little trouble and gets a sweetheart deal

                      Individual investors can easily do the first

                      They cant do the second

                    • mariana.gonzalez_122

                      Member
                      January 25, 2020 at 12:11 pm

                      The dartboard beats the professionals. Sure y’all are smarter than the professionals and it’s fun to think you can count cards or beat the game but this stock picking seems silly in light of the data. Time is money and the lazy mutual fund way not only arguably is the best but definitely is the least time intensive.

                      [link]https://en.m.wikipedia.org/wiki/Burton_Malkiel[/link]

                      This is the guy that wrote the book about the monkeys throwing darts.

                      If you think you beat the market by anything more than luck I am skeptical. But even if it’s sheer genius, even then reasonably you can’t count on crushing it consistently to justify the time wasted unless you consider it a hobby like any other.

                    • Unknown Member

                      Deleted User
                      January 25, 2020 at 1:26 pm

                      You can just buy what buffet buys

                      The info is available to you almost as it happens

                      I beat the S&P 12 out of the last 14 years

                    • Unknown Member

                      Deleted User
                      January 25, 2020 at 4:39 pm

                      Quote from kpack123

                      Yep

                      Buffet buys a lot of index funds

                      Sorry but thats the lazy argument for people who dont want to take the time to understand markets finance and investment strategy

                      Thats ok if its not your thing….. but its a lazy argument

                      I think we’d have to agree to disagree on that.
                      There are people who’s training and full-time occupation is finance that don’t outperform index funds.  For physicians, highly trained in another field, to think that in their part-time they are going to outperform the market and outperform those with more training is unrealistic.
                      From time to time can someone beat the market?  Sure.  But over-time, the odds are you won’t.
                      If you enjoy “the game” of trying to beat the market, that’s good for you.
                      But I don’t think it’s a “lazy” argument to understand your limitations.

                    • Unknown Member

                      Deleted User
                      January 25, 2020 at 6:26 pm

                      Ok

                    • Unknown Member

                      Deleted User
                      January 25, 2020 at 7:01 pm

                      I actually have my MBA too

                      Does that make it Ok or is that something else a doctor cant do?

                    • btomba_77

                      Member
                      January 28, 2020 at 2:36 pm

                      Big beat by AAPL … up 4% after the close

                    • katiemckee84_223

                      Member
                      January 28, 2020 at 3:52 pm

                      melt up continues, yes, as I said

                    • keithboone3324

                      Member
                      January 28, 2020 at 5:24 pm

                      Not lazy argument. Just facts and data upon data. No need to confuse luck with skill. Of course if not just doing for 15-30 minutes a day and actually day trading, that is different.

                    • mariana.gonzalez_122

                      Member
                      January 28, 2020 at 7:00 pm

                      Go make billions if you know the future. Please. I invest in bullets and m.r.e.s as a hedge

                    • Unknown Member

                      Deleted User
                      January 29, 2020 at 9:55 am

                      even with 2008, the equities markets have been very kind
                       
                      if you just realized that you could make money by “not fighting the fed” — which is a pretty obvious realization, you’d be sitting in the catbird seat easy right now
                       
                      The question is, where will you be when purchasing power erodes? Credit where it’s due, but kpack just has digital “funds” until he has a real asset, the game isn’t over

                    • Unknown Member

                      Deleted User
                      January 29, 2020 at 10:16 am

                      Well for starters

                      I will be the one with no debt and multiple units of residential and commercial property

                      You on the other hand will still
                      Be making up aliases and pimping whatever financial advice paid Fox News hosts tell you

                    • Unknown Member

                      Deleted User
                      January 29, 2020 at 3:01 pm

                      You can’t seem to get your biases and paranoia in check, even when thrown olive branches by very intelligent people. It’s a shame.

                    • Unknown Member

                      Deleted User
                      January 29, 2020 at 3:16 pm

                      Stay in your lane

                      You dont impress people who not only know more than you but also have a heckuva lot more than you

                      It makes you sound kind of ignorant

                      Better off staying on the medical student or even resident board…. maybe you can impress them with your BS and fool them with your multiple aliases

                    • katiemckee84_223

                      Member
                      January 29, 2020 at 4:24 pm

                      I hope your investments are truly as good as your SSRI titration, kpack

                    • sandrajude26_368

                      Member
                      January 29, 2020 at 10:18 pm

                      You all should do yourself a favor like I did years ago (and I rarely visit this board)–put a block on kpack.  Great that after all these years since doing so I don’t have to put up with seeing any of that asinine crazy nonsense.

                    • Unknown Member

                      Deleted User
                      January 30, 2020 at 8:05 am

                      Removed due to GDPR request

                    • katiemckee84_223

                      Member
                      January 30, 2020 at 9:37 am

                      Quote from Charleston_trout

                      You all should do yourself a favor like I did years ago (and I rarely visit this board)–put a block on kpack.  Great that after all these years since doing so I don’t have to put up with seeing any of that asinine crazy nonsense.

                       
                      Refreshing to hear. Usually the off pol hacks are the ones that advertise this, especially dergon

              • jonesb3

                Member
                January 22, 2020 at 5:38 am

                Learn from this lesson.
                I have alway been a fan of apple.  when I was first starting people were touting apple was going out of business at the time i bought 1000 shears somewhere around 5$ a share since that time i have been buying and selling apple stock and have made some decent money. maybe 100-200k over 20 some years maybe even a little more. Now what if I had just held that stock and didn’t touch it? Since that time apple has had one 2 for 1 split and a 7:1 split.  so i would have owned 14,000 shares today at a current value of around 318.00 $ per share so my $5000 investment would be worth $4,452,000 and I could be retired.  Moral of the story buy when a stock is too low and than hold for a long time and do not try to trade the peaks and valleys.

                • julie.young_645

                  Member
                  January 22, 2020 at 5:51 am

                  And the other lesson is this: Don’t listen to those “people” whose crystal ball is every bit as cloudy and cracked as yours, or worse. Physicians think themselves experts in all fields, but somehow are quite prone to accepting advice from all the wrong people. 

                  • Unknown Member

                    Deleted User
                    January 22, 2020 at 7:55 am

                    Dividend.com

                  • katiemckee84_223

                    Member
                    January 22, 2020 at 11:46 am

                    Quote from DoctorDalai

                    And the other lesson is this: Don’t listen to those “people” whose crystal ball is every bit as cloudy and cracked as yours, or worse. Physicians think themselves experts in all fields, but somehow are quite prone to accepting advice from all the wrong people. 

                     
                    Yup, Dalai on point here

                    • julie.young_645

                      Member
                      January 22, 2020 at 1:45 pm

                      It happens…

                    • lisbef3_453

                      Member
                      January 24, 2020 at 7:19 am

                      At this point a better point of discussion (rather than individual stocks) would be current asset allocation assuming one is within ~10 years of retirement.   The music is still playing and everyone is dancing and the punch bowl is currently being spiked with QE4.   So, stocks:bonds:cash?
                      “When everyone is greedy, be fearful.”

                    • Unknown Member

                      Deleted User
                      January 24, 2020 at 7:44 am

                      You definitely need to be careful when markets are high

                      You always have the geniuses recommending the bit coin or 5 years ago buying gold at its all time highs

                      Fools and their money are easily parted

                      Over the long term Ive done the best with the dividend aristocrats. These companies know how to make money in good and bad times and have upped their dividend every year for 25 plus years

                      Go with proven track records and stay away from the geniuss parroting the flavor of the day

              • btomba_77

                Member
                March 12, 2020 at 5:02 pm

                Total speculation play:
                 
                NFLX –  I’m guessing there are going to be a lot of people staying home and registering new Netflix (and DIsney +) accounts in the coming month
                 
                 

                • kaldridgewv2211

                  Member
                  March 15, 2020 at 7:26 am

                  On the same note Id stay away from anything theater related. It sounds like there might be a paradigm shift and we might see movies released into streaming services. So that would put the screws on movie theaters. Also people just not going or movie releases getting delayed.

                  • mpezeshkirad_710

                    Member
                    March 23, 2020 at 12:12 am

                    Tesla, Amazon, Luckin Coffee, Adobe

                  • btomba_77

                    Member
                    April 20, 2020 at 5:14 am

                    Me on March 12

                    Quote from dergon

                    Total speculation play:

                    NFLX –  I’m guessing there are going to be a lot of people staying home and registering new Netflix (and DIsney +) accounts in the coming month

                     
                     
                    [link=https://www.barrons.com/articles/netflix-stock-earnings-preview-51587153343]https://www.barrons.com/articles/net…ew-51587153343[/link]

                    [link=https://www.flyertalk.com/forum/usertag.php?do=list&action=hash&hash=patshimselfonthe]#patshimselfonthe[/link]back

                    ~$315 on March 12 …. ~400 on April 16 [image]https://www.flyertalk.com/forum/images/smilies/smile.gif[/image]

                    The streaming video companys shares have rallied about 30% for the year to date, contrasting sharply with the roughly 12% drop in the [link=https://www.barrons.com/quote/index/SPX]S&P 500[/link] index. Last week, Netflix stock (ticker: NFLX) set an all-time high, establishing the company has the most valued U.S. entertainment company, [link=https://www.barrons.com/articles/netflix-stock-surges-to-record-highs-as-market-cap-tops-disney-51586972020?mod=article_inline]surpassing both [/link][link=https://www.barrons.com/quote/DIS]Walt Disney[/link] (DIS) and [link=https://www.barrons.com/quote/CMCSA]Comcast[/link] (CMCSA).

          • elikot

            Member
            July 15, 2013 at 2:07 pm

             

            • scottgood421

              Member
              July 15, 2013 at 4:41 pm

              dollar cost averaging ultra low cost index funds in corporate brokerage account spread across Domestic, European, emerging markets and Asian indices.
              Bonds, debentures and REITs in tax deferred retirement fund – max contribution is 24K per year in CA.
              Not smart enough to actively manage funds and pick individual stocks – I have a couple of “play” stocks for fun.  Barrick Gold has been beaten up badly and all the gold bugs think it will double so I took a small position. A couple of the junior oil and gas plays are fun gambles to have a flutter with  – Strategic Oil had a lot of insider buying recently.  These flutters usually end the same way as a night in Vegas or Atlantic City – fun, but not smart!   No advice intended DYODD.
               

              • btomba_77

                Member
                December 17, 2014 at 7:06 am

                If I were to consider an individual stock (which I am not ) I would give a look at taser corporation.

                They have a body camera unit as well as a data storage for law-enforcement data website.

                I think we’ll be seeing lots and lots of orders soon.

  • Unknown Member

    Deleted User
    December 17, 2014 at 9:19 pm

     In my opinion for the long term investor the following rules are the best way to go:
    1. index funds, ETF’s all the way and max out all retirement accts
    2. If you do purchase individual equities buy into great companies at a time when the stock price is irrationally undervalued – this means being able to read income statements and balance sheets and understanding the company inside out in addition to understanding basic financial ratios – not taking stock tips and blindly trusting other people.  – many many many books are out there to teach these things.
    3. Selling is a varied and, in my opinion, not well discussed topic. index funds I usually hold forever. Individual equities I usually only sell once I think it is no longer a great company or I have made a considerable ROI (at least 50% overall return). In my opinion it’s okay with me if the stock goes a little higher after I sell. At least I made a significant return. I followed Buffet’s rules – 1. Don’t lose your money. 2. See rule number 1.
     
    I look at the stock prices every day. I never sell based on short term market fluctuations, but I do look for cheap prices to buy into great companies.
     
    I’m not anti-financial advisor but I don’t really feel the need for one right now as I’m just starting my career. 

    • antoni.bielazik_633

      Member
      December 17, 2014 at 9:24 pm

      John Bogle:
       
      [ul][*]Select low-cost index funds[*]Consider carefully the added costs of advice[*]Do not overrate past fund performance[*]Use past performance to determine consistency and risk[*]Beware of stars (as in, star mutual fund managers)[*]Beware of asset size[*]Don’t own too many funds[*]Buy your fund portfolio – and hold it [/ul]  
      Vanguard 500 Index Fund all the way.  $3000 minimum.

      • Unknown Member

        Deleted User
        December 18, 2014 at 5:52 am

        Blood in the streets with a lot of oil stocks

        Time to buy is very soon

        Make the most money when everyone else is peeing down their leg

        • btomba_77

          Member
          December 18, 2014 at 6:11 am

          If you’re multi-year long energy you can buy now.  
           
          If you’re a shorter term investor (weeks, months, maybe even a year or two) it could still get worse… catching a falling knife as it were.

          • Unknown Member

            Deleted User
            December 18, 2014 at 6:20 am

            Personally I’m hoping Halliburton goes back below 30

            That’s when I back up truck

            • jun52.park

              Member
              December 18, 2014 at 6:59 am

              Watch crude at 58….went low as 55 so this is either a bull trap or the beginnings of a reversal…
               
              Nat gas is at 3.77 with winter approaching…watching for a seasonal trade

  • susquam

    Member
    December 19, 2014 at 1:13 pm

    VOO is another similar stock. The fees are almost nonexistent for both index funds around .04 -.05 for each the last time I checked. This is were I put alot of my 401k funds. Also have  a seperate investment account where I will buy individual stocks. A lot of them are dividend stocks that I due DRIP with. From my experience low cost etf’s are the way to go long term although can be fun( and at the same time more risky) to get into the facebook’s and alibaba’s of the world. 

    • Dr_Cocciolillo

      Member
      December 19, 2014 at 9:14 pm

      anyone on here trade options regularly and successfully? 

  • Unknown Member

    Deleted User
    March 6, 2015 at 6:12 pm

    index funds constantly outperform active managers.  managers need to make money so they try and sell you that they can do better than an index fund, but they cant.  no one knows what the market is going to do, buying a lost cost index fund and holding for a long time is the way to go. All your money should be sitting in stocks if you dont need it in the next 20 years.  If you need it in the next 5 then you need to completely change it around into safer investments.  Looking at markets is unnecessary stress and futile.  Do not think you can learn to play the market or learn how to game it, you cant unless you do something illegal like insider trading.  Many people start out thinking they can pick magic stocks and learn how to trade….buy and hold low cost index funds, its that simple, pretty boring but its stress free and works better than expending all your energy and switching things around all the time.  I dont think anyone needs a financial advisor for investing long term, if I needed money in short term I would get a financial advisor to help me move money into safer assets and to help with diversification. 

    • ruszja

      Member
      March 6, 2015 at 6:29 pm

      I pretty much own all of them.
       
      I have seen one of those ‘trading rads’. His mind was never focused on the work at hand.
       
      If you want to be a trader, take your savings, take out some leverage, become a trader.
       
      Oh and don’t shoot yourself like most of them after a year when all your money is gone.

    • ruszja

      Member
      March 6, 2015 at 6:54 pm

      Quote from striker79

      Looking at markets is unnecessary stress and futile.  Do not think you can learn to play the market or learn how to game it, you cant unless you do something illegal like insider trading.  Many people start out thinking they can pick magic stocks and learn how to trade….buy and hold low cost index funds, its that simple, pretty boring but its stress free and works better than expending all your energy and switching things around all the time. 

       
      I had a relative who had always played the stocks with whatever money he could put aside. He lived in NYC, every morning on the way to work, he would pick up his WSJ, NYT and FT at the corner news-stand and consume them on his way to work. When he retired early, he took his companies retirement as a lump-sum, paid a ton of taxes on it and started trading with what was left. He was good at it and over the course of 14 years multiplied his holdings. He was an electrical engineer by trade and and stuck to what he knew, engineering companies, aerospace and anything that used magnets.  His risk tolerance was certainly higher than normal, but he always kept bonds at the amount of his original principal.
       
      If you know what you are doing, you can outperform the indices. But it’s a full-time job.

  • Unknown Member

    Deleted User
    December 30, 2019 at 10:28 pm

    Lol.
     
    [link]https://youtu.be/3iFxUCSTfRU[/link]
     
    “Take 50% of my money, and put it in the blue chips- Transatlantic Zeppelin, Amalgamated Spats… Congreve’s lnflammable Powders, U.S. Hay… and sink the rest into that up-and-coming Baltimore opera hat company. That should set things right again, eh, boys?”
     
    Absolutely. Genius. Oh, yes, sir. “A” all the way. Can’t go wrong with Congreve’s.

    • Unknown Member

      Deleted User
      December 31, 2019 at 8:41 am

      “I’ll keep it short and sweet,” says Burns. “Family. Religion. Friendship. These are the three demons you must slay if you wish to succeed in business. When opportunity knocks, you don’t want to be driving to a maternity hospital or sitting in some phony-baloney church. Or synagogue.”

      • katiemckee84_223

        Member
        January 3, 2020 at 7:02 pm

        Index bubble is coming, not too soon but it’s obvious, be careful

        • leann2001nl

          Member
          January 4, 2020 at 4:31 am

          Quote from Intermittent Blasting

          Index bubble is coming, not too soon but it’s obvious, be careful

          so a complete collapse of the economy? how exactly does an index bubble occur

          • btomba_77

            Member
            January 4, 2020 at 5:11 am

            Theres a relatively ew theory out there that the amount of $$ going in to index funds might be leading to a bubble that could be illiquid in a downturn.

            (Mike Burry of The Big Short fame is probably the biggest name )

            Most of the others clamoring about this bubble are people who have vested interests in making sure that the financial industry and active managers have fat paychecks.

            Index funds are only about 15% of US market cap at present. I doubt thats illiquid bubble territory. (Although I could see some small/ leveraged ETFs have trouble)

            My $0.02: The biggest threat posed by index funds is to the financial management industry, not to market itself.

            • david242

              Member
              January 4, 2020 at 8:46 am

              Where can I read about this theory?

              • Unknown Member

                Deleted User
                January 4, 2020 at 3:01 pm

                “All of the dollar wealth creation in the public U.S stock market since 1926 can be attributed to slightly more than 4% of stocks, and over half of the value creation can be attributed to 0.36% of the stocks.”

                [link=https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3415739]https://papers.ssrn.com/s…fm?abstract_id=3415739[/link]

                Market skew or: How I Learned to Stop Worrying and Love the Index.

  • katiemckee84_223

    Member
    January 5, 2020 at 8:10 am

    Quote from dergon

    Theres a relatively ew theory out there that the amount of $$ going in to index funds might be leading to a bubble that could be illiquid in a downturn.

    (Mike Burry of The Big Short fame is probably the biggest name )

    Most of the others clamoring about this bubble are people who have vested interests in making sure that the financial industry and active managers have fat paychecks.

    Index funds are only about 15% of US market cap at present. I doubt thats illiquid bubble territory. (Although I could see some small/ leveraged ETFs have trouble)

    My $0.02: The biggest threat posed by index funds is to the financial management industry, not to market itself.

     
    If you don’t think index investing is the main reason for really high, approaching dot com era valuations, you aren’t paying attention to the people not paying attention to what they are buying.

  • Unknown Member

    Deleted User
    January 7, 2020 at 4:17 am

    Correction

    The bet was not that Microsoft would go up

    The bet was which was a better buy Microsoft or Apple

    Microsoft is up 55%

    Apple is up 100%

    You fng lying price of sheet

    That was the bet

    • Unknown Member

      Deleted User
      January 7, 2020 at 4:26 am

      Also

      You said over and over and over again. …… gold was going to 3500$

      You screamed like a little beatch that it was a no brainer it has gone done in the 5 years that you made that stupid fng prediction

      You also claimed that Bitcoin was an easy double in a year………… then it lost 70% of its value

      You said Dow 1200 by 2016……… it ended the year at 20,000

      Every financial prediction you makes turns to sheet

      Just STFU and go back to making up aliases……. thats all you are good for

      • Unknown Member

        Deleted User
        January 7, 2020 at 4:33 am

        Final correction

        I never said dont buy Microsoft

        I told you I have owned Microsoft since 1996……. and I pointed out to you that you are a financial jinx because everything you say financially turns to sheet

        ….. so I told you to STFU about a stock that I owned

        Fortunately even though you lost the bet your bad karma didnt tank one of my long term holdings

        • jeevonbenning_648

          Member
          January 7, 2020 at 4:53 am

          I think you guys should go for a duel, legit. Or have a contest to measure each others bank accounts, or something else..
           
          kpack, you type like a triggered purple-haired feminist or a 12 year old playing fortnight.. you’re always putting down others.. cursing people out. Is your life so inadequate that all you can do is bully others ?
           
          seek help, go meditate or something

          • Unknown Member

            Deleted User
            January 7, 2020 at 5:24 am

            Excuse but arent you like 5ft 6

            Shit up little guy

            • Unknown Member

              Deleted User
              January 7, 2020 at 6:59 am

              I hereby declare an end to this post that I started in 2013!!!

              • Unknown Member

                Deleted User
                January 7, 2020 at 9:19 am

                Just making sure the context is correct

                Cant let lies go unanswered

                • lisbef3_453

                  Member
                  January 8, 2020 at 4:39 pm

                  I’m lazy.  Got some BRK, SDY, VNQ, VTI and BND.  I dumped most of the FAANG that I had bought early on because it was wagging the dog.  Still have some dry powder and barbaric relic.   I never got the appeal of being a slumlord. 
                   

                  • rwalmsley_851

                    Member
                    January 8, 2020 at 8:49 pm

                    Cash is king.

                    • Unknown Member

                      Deleted User
                      January 8, 2020 at 9:04 pm

                      Quote from ghostofosler

                      Cash is king.

                      How Much has the Dollar Devalued Since 1913[/h2] 1913 is when the Federal Reserve, which is actually a privately-owned central bank, took over the US banking system. As you can see, its been pretty much downhill since the Fed took over. In fact, the dollar has lost over 96% of its value. That means todays dollar would be worth less than 4 cents back in 1913.
                       

              • katiemckee84_223

                Member
                January 8, 2020 at 9:37 pm

                Quote from Sir Read Alot

                I hereby declare an end to this post that I started in 2013!!!

                 
                Thank you.

                • Unknown Member

                  Deleted User
                  January 9, 2020 at 4:12 am

                  You and your 10 aliases are called Nostradumbarse for a reason

                  You are always wrong

                  You lost a bet ….. or a prediction…not by a little bit but by 40 percentage points

                  Again you are the same guy that said

                  Gold 3500$ no brainer

                  Dow 12000 by 2016

                  And Bitcoin an easy double…. then it lost 70%

                  Just STFU. .,,,, you are a jinx and everything you predict financially turns to sheet

                  • Unknown Member

                    Deleted User
                    January 9, 2020 at 7:26 am

                    Wow TSLA…Sold mine at $40 years ago…ugh

                    • btomba_77

                      Member
                      January 9, 2020 at 9:36 am

                      Quote from Sir Read Alot

                      Wow TSLA…Sold mine at $40 years ago…ugh

                      My grandfather sold 10,000 shares of IBM in 1972… didn’t a future for the company.
                       
                      (if he had held those I’d probably not be working today 🙂  )

                    • Unknown Member

                      Deleted User
                      January 9, 2020 at 10:11 am

                      MSFT 162, melt up will continue
                       
                      Options play for May 20, strike over 175, 180
                       
                      They’ll go back to this post and act like it wasn’t a winner, again. I wonder what kind of world kpack lives in, math is racist to him too

                    • Unknown Member

                      Deleted User
                      January 9, 2020 at 11:33 am

                      Hey Nostradumbarse

                      Please stop predicting financial stuff

                      Everything you say turns to sheet

                      Gold 3500$ No brainer

                      Dow 12000 by 2016

                      Bitcoin easy double… then it lost 70% of its value

                      Just stop you fng jinx

                      You have no money….. and you never will because you are too stupid

                      Just stick to making up aliases……. thats all you are good at

                    • katiemckee84_223

                      Member
                      January 13, 2020 at 10:44 am

                      Quote from kpack123

                      Hey Nostradumbarse

                      Please stop predicting financial stuff

                      Everything you say turns to sheet

                      Gold 3500$ No brainer

                      Dow 12000 by 2016

                      Bitcoin easy double… then it lost 70% of its value

                      Just stop you fng jinx

                      You have no money….. and you never will because you are too stupid

                      Just stick to making up aliases……. thats all you are good at

                       
                      You say the same thing every time to all the people you call the same poster. Stop the senile, lying stuff
                       
                      Weird AM max poster, loser

                    • btomba_77

                      Member
                      February 4, 2020 at 1:38 pm

                      Quote from Sir Read Alot

                      Wow TSLA…Sold mine at $40 years ago…ugh

                      Was at $380 on Dec. 15
                       
                      Has more than double just in 2020
                       
                      On $1,000 share watch now
                       

                    • jun52.park

                      Member
                      February 4, 2020 at 2:06 pm

                      Crashed 100 points from 968 to 860s in minutes before close…gotta love Vegas from the comfort of your own home…

                    • Dr_Cocciolillo

                      Member
                      February 4, 2020 at 6:07 pm

                      Tsla is casino. No logical explanation but a huge short squeeze. Anyone who bought under 300 and is still holding is rocking. I dumped in mid 500s which was clearly a mistake

                    • amyelizabethbarrett28_711

                      Member
                      February 6, 2020 at 9:44 pm

                      I really like Disney stock.  Disney+ has almost 30M subscribers in first three months.  It’s not apples to apples comparison, but it took Netflix 5 years to get that many subs to its streaming product.  Hulu has like 30M (DIS owns 60% of Hulu).  ESPN+ like 7M.  And they are only in the USA and a few other countries so far, but are expanding rapidly this year.  NFLX has 167M subscribers in 190 countries.  Disney trades at around 23 times earnings and Netflix 95 times earnings!  DIS market cap is around $258B and NFLX is $161B.  And Disney pays $1.66 yearly dividend (currently 1.25%).  Netflix obv doesn’t pay a dividend.   

                      Not to mention Hulu Live TV, box office (Disney, Pixar, Marvel, Star Wars, Fox Studiios), home movie sales, Theme parks/hotels, Cruises, merch, ESPN, ABC, Nat’l Geographic, Fox/FX/FXX, A&E, History channel, Lifetime, SEC/ACC/Longhorn networks, etc etc etc. 
                       
                      You’re getting a blue chip, dividend producing stock that has massive growth potential (in their streaming venture) at a bargain of a price to earnings multiple compared to NFLX.  

                    • btomba_77

                      Member
                      September 1, 2020 at 5:17 am

                      I added to my AAPL position a while back.  It’s still only about a bit more than 1% of my portfolio

                       
                      The only individual equity that I own …. AAPL .  The outperform over the years has brought it from being around 1% of my portfolio to closer to 3%
                       
                      4:1 stock split.    
                       
                      [link=https://www.barrons.com/articles/apples-stock-is-about-to-split-heres-what-it-means-for-investors-51598632773]https://www.barrons.com/a…-investors-51598632773[/link]
                       
                       
                      Also announcing a bullish move into 5g with revamped phone, watches, and iPad

                    • kaldridgewv2211

                      Member
                      September 2, 2020 at 12:19 pm

                      Apple been good. I dont check my TD account much but my Yamaha stock finally paid off.

                    • kaldridgewv2211

                      Member
                      September 2, 2020 at 12:19 pm

                      *yamana* AUY symbol

  • katiemckee84_223

    Member
    January 8, 2020 at 9:36 pm

    Quote from kpack123

    Correction

    The bet was not that Microsoft would go up

    The bet was which was a better buy Microsoft or Apple

    Microsoft is up 55%

    Apple is up 100%

    You fng lying price of sheet

    That was the bet

     
    Another lie, there was no bet, you were asking what I would do, I said buy MSFT, that’s the play
     
    Then you started talking about how you already owned it, who cares, AAPL will do better (it then crashed) … then it did well after that, like MSFT
     
    You have a serious personality disorder, nearly everything you post is delusional on one level, even if a few posts contain some truths, which they do

  • Unknown Member

    Deleted User
    January 13, 2020 at 5:19 pm

    Also, to people comparing now to 1999-2001, stop it.  1) Valuations are nowhere near what they were then. 2) What is ‘tech’?  Many of these companies are 20 years old.  They are becoming mature companies. They aren’t pure ‘tech’ plays anymore. Apple is a consumer discretionary company.  Facebook and Google are huge marketing companies with a tech bent. AMZN is a retailer with a tech bent. Etc. etc.  On the other end, companies like VISA and Mastercard are increasingly more ‘tech’ companies and are now considered ‘fin tech’. If you try to compare AMZN of 2019 with AMZN of 1999…you really shouldn’t be investing in individual companies…no clue of how companies evolve/change/mature.

    • katiemckee84_223

      Member
      January 14, 2020 at 6:02 pm

      There are not that far off, but your post is still a solid one.
       
      The bond market is the bigger problem. Asymmetric gain to risk, and gain is locked, lol — meanwhile insurance companies and pensions suffer these crazy low rates as they implode.

      • amyelizabethbarrett28_711

        Member
        January 14, 2020 at 10:45 pm

        My favorite company right now is Moderna (MRNA).  It’s a clinical stage biotech company making mRNA based therapeutics.  They went public last year in the biggest biotech IPO in history and their price currently sits just below their IPO price.  They are in clinical stage testing of antiviral vaccines, cancer vaccines, intratumoral therapies, autoimmune diseases, systemic intracellular therapeutics, systemic secreted therapeutics, and more.  I am having trouble tempering my excitement when it comes to the possibilities with this company. 
         
        “At Moderna, we are leveraging the fundamental role that mRNA plays in protein synthesis. We have developed proprietary technologies and methods to create mRNA sequences that cells recognize as if they were produced in the body. We focus on diseases where enabling targeted cells to produce or turn on one or more given proteins will enable the body to fight or prevent a given disease.
        [*]We start with our desired sequence for a protein.[*]We design and synthesize the corresponding mRNA sequence the code that will create that protein.[*]Before synthesis, we also engineer that mRNA sequence to optimize the mRNAs physical properties, as well as those of the encoded protein.[*]We deliver the mRNA sequence to the cells responsible for making that protein via one of several[link=https://www.modernatx.com/therapeutic-modalities] modalities[/link]. Reaching different types of cells requires different delivery methods.[*]And, once the mRNA the instructions are in the cell human biology takes over. Ribosomes read the code and build the protein, and the cells express the protein in the body.[*] [h3]Prophylactic Vaccines[/h3] We designed our prophylactic vaccines modality to prevent or control infectious diseases. Since we nominated our first program in late 2014, this modality has grown to include nine programs, all of which are vaccines against viruses. The goal of any vaccine is to safely pre-expose the immune system to a small quantity of a protein from a pathogen, called an antigen, so that the immune system is prepared to fight the pathogen if exposed in the future, and prevent infection or disease.
        Within this modality, our portfolio includes programs for both commercial and global health uses. We have strategic alliances with Merck on select commercial vaccines, and BARDA and DARPA on global health vaccine programs.

        [h3]Cancer Vaccines[/h3] We designed our cancer vaccines modality to treat or cure cancer by enhancing immune responses to tumor neoantigens. This modality has two programs currently for neoantigen vaccines, a personalized cancer vaccine, or PCV, program and a vaccine against neoantigens related to a common oncogene called KRAS, both conducted in collaboration with Merck. The goal of a cancer vaccine is to safely expose the patients immune system to tumor related antigens, known as neoantigens, to enable the immune system to elicit a more effective antitumor response. Our cancer vaccines modality is focused on the use of mRNA to express neoantigens found in a particular tumor in order to elicit an immune response via T cells that recognize those neoantigens, and therefore the tumor. These neoantigens can either be unique to a patient, as in the case of our personalized cancer vaccine program, or can be related to a driver oncogene found across subsets of patients, as in the case of our KRAS vaccine program.

        [h3]Intratumoral Immuno-Oncology[/h3] We designed our intratumoral immuno-oncology modality to treat or cure cancer by transforming the tumor microenvironment to drive anti-cancer T cell responses against tumors. This modality currently has three programs. Our mRNA technology within this modality allows for the combination of multiple therapeutics that can be directly injected into a tumor with the goal of activating the tumor microenvironment to kill cancer cells in the injected tumor as well as in distal tumors, known as the abscopal effect. Intratumoral administration allows for localized effect of these therapeutics that could be toxic if administered systemically.

        [h3]Localized Regenerative Therapeutics[/h3] We designed our localized regenerative therapeutics modality to develop mRNA medicines to address injured or diseased tissues. Our mRNA technology in this modality allows for the local production of proteins that provide a therapeutic benefit in the targeted tissue. The development of our program in this modality, AZD8601, for the local production of VEGF-A, is being led by our strategic collaborator, AstraZeneca. This program recently completed a Phase 1a/b clinical trial in which we observed in patients dose-dependent protein production and a pharmacologic effect, as measured by changes in local blood flow. We believe this data provides clinical proof of mechanism for our mRNA technology outside of the vaccine setting.

        [h3]Systemic Secreted & Cell Surface Therapeutics[/h3] We designed our systemic secreted & cell surface therapeutics modality to increase levels of desired secreted proteins in circulation or in contact with the extracellular environment, in order to achieve a therapeutic effect in one or more tissues or cell types. The goal of this modality is to provide secreted proteins, such as antibodies or enzyme replacement therapies across a wide range of diseases, such as heart failure, infectious diseases, and rare genetic diseases. This modality has benefitted from our strategic alliances with AstraZeneca, DARPA, and the Bill & Melinda Gates Foundation. This modality currently has three programs.

        [h3]Systemic Intracellular Therapeutics[/h3] We designed our systemic intracellular therapeutics modality to increase levels of intracellular proteins, using cells in the human body to produce proteins located in the cytosol or specific organelles of the cell to achieve a therapeutic effect in one or more tissues or cell types. The goal of this modality is to provide intracellular proteins, such as intracellular enzymes and organelle-specific proteins, as safe, tolerable, and efficacious therapies. Our initial focus within this modality is on rare genetic diseases. This modality currently has three programs.

  • Unknown Member

    Deleted User
    January 16, 2020 at 4:57 am

    Just a point here to real estate guru……

    Hard assets are not 90-10 leveraged real estate

    ….. thats called debt Guru

    • Unknown Member

      Deleted User
      January 16, 2020 at 5:05 am

      Agree w kpack. Real estate is a great asset class. But highly leveraged real estate is risky. There were a lot of real estate gurus that were crushing it in the early 2000s – until they went broke in 2008.

      • jeevonbenning_648

        Member
        January 16, 2020 at 5:13 am

        Most real estate markets crashed in 2007. It’s been 13 years. Thats a long time to make it big and enjoy life. If you were too , you missed out!

        It’s foolish to buy real estate in cash for the purposes of investment in the US with the current interest rate and tax incentive environment.

        60-65% LTV is a nice place to be in order to pay $0 taxes indefinitely (27.5 years).

        • Unknown Member

          Deleted User
          January 16, 2020 at 5:54 am

          My properties when fully paid off by 2025 will cash flow 3-4 times what you make in a year

          …. and I still have hard asset equity because they are paid offf

          Yes very foolish

          You are too dumb to realize that you cant bullsheet someone who does this successfully for 25 years

          • Unknown Member

            Deleted User
            January 16, 2020 at 5:57 am

            Real estate may be a hard asse but if you are leveraged heavily like you advocate its the banks asset…. not yours

            Dumbsheet

          • jeevonbenning_648

            Member
            January 16, 2020 at 6:38 am

            That fact that it took you 25 years for success is telling. You worked your ass off in radiology and real estate (had two jobs) for 30 years. That’s the last thing I want.

            My real estate business is hands off. Off to Malaysia tomorrow, China (again) Feb, Vietnam in March. Real estate funds my lifestyle and I am happy to live my dream in my 30s.

            You are the biggest charlatan on this board. You lost your breath telling me there is no way I can cash flow $1000 per month after expenses on 1 door in a coastal market. I laid the math out in front of you and posted actual mortgage statements and financials, and you swallowed your own foot lol.

            Hope you had fun managing your real estate in your 40s and 50s. Getting rich when your old is expected. Even if you cash flow $700K when you are old or dead, who cares, you won’t spend it all

            • Unknown Member

              Deleted User
              January 16, 2020 at 7:01 am

              Hahahaha live your dream in your 30s

              You are lying making sheet up lonely and dont have a financial pot to peace in…… yes you are truly living the dream

              • julie.young_645

                Member
                January 16, 2020 at 7:19 am

                I’ve had [i]many[/i] disagreements, some rather contentious, with kpack/eradicator over the years, but I’ve ALWAYS found him to be honest. 
                 
                After3irth begins to sound more and more like some of the nasty folks who have plagued this board over the years, particularly dMarkupMD and OutpatientRadRules. The outlandish boasting is a dead giveaway. What possible thrill do you get out of lying to a tiny group of radiologists and such on a limited access message board?

                • Unknown Member

                  Deleted User
                  January 16, 2020 at 7:37 am

                  Yep

                  Dalai and I in my opinion have a mutual respect for each other

                  Of course we disagree on a lot of political issues and thats ok an opinion is just that

                  But why make sheet up
                  That is obviously bullsheet

                  Honestly Id like to think that most of us on this forum would be quite good friends in practice together

                  Politics aside of course

                  • Unknown Member

                    Deleted User
                    January 16, 2020 at 7:45 am

                    And my New Years resolution was to try to be a nicer person

                    So from this point on Im going to try really hard to make that happen

                • katiemckee84_223

                  Member
                  January 16, 2020 at 3:00 pm

                  Quote from DoctorDalai

                  I’ve had [i]many[/i] disagreements, some rather contentious, with kpack/eradicator over the years, but I’ve ALWAYS found him to be honest. 

                  After3irth begins to sound more and more like some of the nasty folks who have plagued this board over the years, particularly dMarkupMD and OutpatientRadRules. The outlandish boasting is a dead giveaway. What possible thrill do you get out of lying to a tiny group of radiologists and such on a limited access message board?

                   
                  go read kpack’s Off Pol posts, then get back to me, Dalai
                   
                  what thrill does he get? cursory reading of his posts finds that most are not realistic or honest
                   
                  some are, but this makes me question your judgment. The dude is batsheet crazy

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