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stayCalm

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stayCalm
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  • onetrust is a popular cookie consent management tool. While OT provides templates and language ootb, customers can customize how the cookie choices are presented to end users. Unfortunately there isn't any standardized way in which publishers prese…
  • On a related note, GDPR and cookie choices is all good stuff but the tech cos, publishers and advertisers are light years ahead of the regulations. As long as there are eyeballs on the web consuming any kind of web content, advertisers and tech cos…
  • I work in Tech and am very familiar with how cookies work. While above suggestions on how best to manage privacy settings are reasonable and I don't mean to be Debbie Downer the sad reality is that the notion of complete privacy when on web is near …
  • @Observant Trump fund raising for the pretext of fighting alleged election fraud but not actually using most of the funds for said fraud was fully legal because the fund raise page stated this in the fine print. It's amazing how much one can legall…
  • Creativity is great and is very much in the American spirit of monetizing anything. If the former POTUS can fund raise(grift) millions for alleged election fraud (a fraction of that raise was actually used to fund the lawsuits, rest basically went…
  • I'm ready to back up the truck on SPY at 300!
  • While blockchain is useful it is very challenging to get an ecosystem to adopt it. There are some success stories out there but blockchain isn't scaling at speed.
  • Invenomic has done quite well too recently
  • I-Bonds purchased by end of April 2022 are guaranteed a rate of 8.37% for the next 12 months. If you purchase at end of month and redeem at start of the month the 3 month penalty effectively becomes a 1 month penalty. So factoring in the penalty th…
  • There is no deadline for I-Bonds. Apr 29 was the last day to get a guaranteed 8.37% for the next 12 months. I-Bonds bought in May have rate visibility for the next 6 months but not for the 6 months after that. New rates can be computed in October 20…
  • I am nibbling at BTAL, PFIX, BCD, COM and YOLO
  • I used to own FAIRX and TAVFX too but bailed out many moons back. Bruce made some great calls post 2008 crisis (especially on Bank Of America when it was below $10) but his overall performance over the decade of 2010 was meh.
  • @BaluBalu Equity is about 25% of my portfolio
  • The specialties of the sub-advisers are listed in the prospectus. There are also other share classes with lower minimums.
  • I'm invested in MAFIX via a RIA so the $1M min does not apply (and I definitely don't have that kind of moolah to risk on a single fund)
  • Also I believe I-bonds are entirely tax free if proceeds are used for educational purposes but do your research, don't quote me on it. I-Bonds are a very sweet deal right now, nothing else in fixed income comes even close. I loaded up in Dec 2021, …
  • @BaluBalu Spreading my bets between the two. Collectively they are about 15% of my equity allocation. MAFIX has done better than BLNDX recently but BLNDX has done well too. I like the alts comparison table that BLNDX has on their site. CIO Eric app…
  • Opened new position in PFIX, sold a bit of JHEQX, TRAIX and added to positions in NICHX, BLNDX, MAFIX. SVOL and USMV are on my watchlist. Continuing to play the wheel option income game on UVXY but it is a super risky play.
  • About time. The free filing was very bogus.
  • Use of AI to price has been in place for a few years now but might be gaining wider momentum. Amazon is a pretty sophisticated player in this space and reportedly has done several trials around dynamic pricing based on buying patterns, device(iOS vs…
  • The unfortunate equation here is that Europe with a population of 500M is unwilling to die for Ukraine with a population of less than 50M. An attack on a NATO country would dramatically change the game and would be defacto WW3
  • Russia isn't set to take on NATO. This strike is intended to disrupt the arms supply chain from Poland.
  • Also ANZAX min is $2,500
  • Would love to get your commentary on ANNPX, tks Thanks. I think the guys produced some really first-rate work again this month. Too, do less me know if there are particular funds that have aroused your curiosity. I try to poke around on your behal…
  • Crowdfunding sites are in general a crapshoot. Other terrible ones include Peerstreet, Sharestates, LendingHome, RealtyShares.
  • Crowdstreet is effectively like a NASDAQ but they pretend to be a lot more and tout heavily their vetting process. Many sponsors on the platform have been poorly vetted and in some situations sponsor disclosures were made after a deal was listed on …
  • Ostensibly a sizable chunk of our military expenditures are intended to protect our energy sources but with the might of the military-industrial complex(as warned by a former President many decades back) this large shift of where we obtain our energ…
  • If you do decide to go down the path of private real estate, avoid CrowdStreet like the plague.
  • @msf I agree with the scenario you sketched out. How is that any different with any of the brokerages such as Vanguard, Schwab, Fidelity, etc?
  • Goldstar is the trust business arm of Happy State Bank https://www.goldstartrust.com/about/ Anything I guess can happen when disaster strikes but I do not believe that Goldstar can get off the hook if somebody hacks into Goldstar systems and sipho…
  • @Derf -- I don't know what OT stands for @msf -- I don't think the vulnerability window you called out for fintechs is applicable to Goldstar Trust. Goldstar Trust is a subsidiary of a bank that has FDIC protection. I see the below statement as cas…
  • Risk of crypto theft is applicable to any type of financial account whether SD IRA or not. Coinbase account holders can also lose money if Coinbase goofs up on security best practices. Setting aside the crypto aspect, risk of assets being stolen fr…
  • Mgr has the hot hand for sure. Would have got in with a small position to hold a seat had I known about the close but I'm also wary of these funds which work till they stop working.
    in BIVIX Comment by stayCalm February 15
  • An immigrant, a worker and a banker are sitting at the table with 10 cookies. The banker takes 9 and then tells the worker "watch out, the immigrant is going to steal your cookie". The above pretty much encapsulates the policies of one major politi…
  • @Yogi I use the sub-type field in MFO screener to group and compare. I think there are less than 10 values in that field so makes it a lot easier vs. like you stated M* and Lipper fund categories which can become mind bogglingly complex.
  • @Lewis I know you're using the toll road fees as an analogy but this analogy is applicable to passively managed like funds only, not actively managed funds. The other metric of a 1.50% ER fund being 50 times better than a 0.03% ER fund isn't applic…
  • A most interesting article indeed, tks Lewis for posting it. I liked Sharpe's quote about data torture but the subtle jabbing across all three gentlemen was enjoyable too!
  • @Lewis Good callout on investor psychology around upside gains with no downside pains. This is why I prefer Sortino ratio over Sharpe ratio when evaluating fund historical performance. While manager skin does have some signal value, the challenge h…
  • Imo manager skin in the game while good to know isn't a very useful metric for the reasons called out by yogi.
  • Even moderately successful managers are making more than $500K annual. A million dollars isn't really a big deal for a manager to swing. Analysts make $300 - 400K annual.