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It's interesting to see how other people think about these things. For me I see the reinvestment risk as minimal. Break your money up in 4 chunks. Have purchases staged in1wk increments on 1 month treasuries. How much do you really think the rate is going to move in a single week? Even if...

If rates are headed down I'd think either: A) you'd want to get into stocks B) you'd want something inflation protected Plus treasuries are tax advantaged. Given what happened with SVB where they bailed out large uninsured amounts in accounts, I think a reappraisal of the balance the have...

Why a 6% cd whenever a one month Treasury is 5.5%?

Max IRA contribution is $6500. Max 401k is $22500. If he's not already maxed out that's they first thing I'd do. And I would keep much of the balance in short term treasuries while waiting to move it into tax advantaged accounts. (At least while short term rates stay up) Missing out on a...

A couple contrarian thoughts: Right now you can make over 5% in 1 month treasuries. No rush to buy anything. You might want to use that money so you can make max 401k or IRA contributions for a period of years. There might be major tax advantages therevthat easily justify spreading the...

At this dollar figure it seems like either: A) senior management is totally incompetent and should all be fired Or B) some top-level accounting fraud and auditors who are either corrupt or incompetent. This isn't a company that just happens to have some copper around, processing it is the core...

Amzn p/e is 105. Say revenue somehow grows 4x, you'd making 4% from actual earnings. Bubble much?

At at P/E ratio of 237 I should certainly hope so. Just how many percent would they have to beat earnings to match those of a one month Treasury note?

The trouble is that Bitcoin requires perfect security due to being instantaneous and irrevocable. It's a shit design. If you going to keep a significant fraction of you wealth in Bitcoin over a long period of time, your exposure to risk is just too high. If you get your Facebook page...

The notion that any OS can be fully secured by following simple checklists is just wishful thinking. You need to look at your application and cut the system down to it's bare minimum essentials. Something like a web browser has an attack surface the size of the moon. Go through the remaining...

All this emphasis on perfect security of the user's pc is one of the reasons is Bitcoin is doomed. It will be the Netscape Navigator of cryptos in the long run. Instantaneous irrevocable transactions are probably great if you're buying heroin in a back alley, but regular people don't need...

Do their TOS still demand the right to take your money if you say something they don't like? I was a PayPal user for decades until they turned into fascists. You have to be a special kind of high idiot to put up with that level of crazy.

Given that reserve requirements are currently zero, are they really "Shoring up their balance sheet" or are they immediately turning around and lending this money multiple times over to improve their cash flow at the expense of increased risk?

Words have multiple meanings and implications in English regardless or the county. If someone's intent is to communicate clearly they'll use enough words to make their meaning unambiguous. Someone here was being deliberately misleading by try to imply that a privately traded company meant...

I would suggest not buying stocks then.I don't buy a stock unless I think it would be worth holding for years. Even if you're right about the long terms prospects of a business, it can take a long time for the market to come around to your point of view. On short timescales the price of a...

#1 You didn't even post data on the correct company. I was referring to Coutts which is owned by Natwest group, of which the taxpayers own the controlling interest. RBS is a different entity under Natwest group. #2 You're deliberately trying to mislead people with terminology out of context...

"NatWest Group is a British banking and insurance holding company, based in Edinburgh. It is 62% taxpayer-owned and subsidised. The group operates a wide variety of banking brands offering personal and business banking, private banking, insurance and corporate finance through its offices located...

As a decent person, I think that bank CEOs that leak private financial details in an attempt to lie and smear someone should get the same treatment that the ebay execs got for their nefarious activities: jail...

Not me. You're lying and you can't point anywhere in this thread where I've supported Bitcoin. The mass murder of civilians by their own governments over the last 100 years is exceedingly well documented. Stalin alone accounts for up to 60 million. And yes I hate Stalin's government...

Whoops: https://www.breitbart.com/europe/2023/07/19/nigel-farage-debanked-over-ties-to-donald-trump-and-for-expressing-conservative-views-bank-docs-show/...