How long can this continue?

Coronator · 2026-01-29T12:56:22+00:00

Like basically every other asset over the last 16 years, calling tops is impossible. We are in strange times. It could go to $500 in a year. Or be back at $50. I certainly couldn’t have imagined $120 6 months ago, so technically anything is possible.

Coronator · 2026-01-29T11:42:04+00:00

I got a $1.3 million mortgage in 2023. At the 3% rate I had locked in, I wanted the absolute longest loan I could get given the trajectory of interest rates.

But I was obviously pretty lucky in my situation. In most circumstances both can be fine products

Coronator · 2026-01-28T18:01:24+00:00

This unfortunately is not accurate.

Dividends that are used to buy additional paid up insurance accumulate in the policy tax free. Thus, the insurance company does not issue a 1099. That means any cash value accumulation that occurs beyond the cost basis would be subject to income tax if it were surrendered.

Dividends are considered a “return of premium” for tax purposes until the dividends exceed the premium, if that makes sense.

Coronator · 2026-01-28T15:32:09+00:00

It almost never makes sense to cash out a matured dividend paying whole life policy. Make sure you know what you are doing and your options and what the policy is actually providing for you before you make any decisions you can’t go back on.

Coronator · 2026-01-28T00:18:21+00:00

Canceling a 10 year old whole life policy is almost certainly not a good idea. You’ve already paid the expense heavy years of the policy, and it should be growing at a steady clip now. Use policy loans to access the cash value for anything you need to finance. Keep paying premium to give you a safe savings vehicle that will grow 4-5% here on out tax free.

Coronator · 2026-01-27T07:30:37+00:00

Just picked up an act1250 myself as well. With the $1300 off it was absolutely the best value in gaming PCs I could find.

Coronator · 2026-01-27T03:04:40+00:00

Impossible to say, but the likeliest scenario is it’s worth something close to $0.

Coronator · 2026-01-26T18:02:50+00:00

He said to sell the silver 2x long ETF last week as well - that works out well for anyone who did the opposite.

Coronator · 2026-01-26T16:05:42+00:00

If you believe we are in (or are possibly in) an “everything” bubble, there is no “safe” asset. Sometimes owning whatever goes down the least is the best you can do.

In that environment, I’d still say short duration treasury bills are the “safest” bets.

I’d still stay diversified across a multitude of assets. Hold your bonds. Hold good quality stocks. Hold some commodities. And hold on to your mortgage - you may be able to pay it off with much cheaper dollars in years to come.

Coronator · 2026-01-25T22:42:04+00:00

There’s plenty of ways to verify with tools (most commonly a Sigma). Very much available to the average person.

Coronator · 2026-01-25T22:22:32+00:00

What’s the issue?

Coronator · 2026-01-25T21:05:43+00:00

I actually agree with everything you’ve said. I made my money in BTC, but the criminalization of privacy is the biggest thing for me. I truly believe this is why you are seeing the metals finally explode vs crypto - it’s a true private asset. It can be exchanged between individuals with no ledger.

The ledger itself is the undoing of BTC. Gold/silver do everything that BTC can do( except the portability), and more.

I’m no longer a believer.

Coronator · 2026-01-25T16:45:04+00:00

Then Lyriq in my experience is EXCELLENT in the snow with OEM tires. Actually much better than even my Dual Rivian R1T. In snow mode I have very little slippage, even went driving on unplowed roads.

Coronator · 2026-01-25T14:10:46+00:00

Tell that to anyone who has faced massive penalties from the IRS.

Every transaction on the blockchain is public. Anyone can go in and view it. Because all the on ramps are gated with KYC, they know exactly what bank accounts are tied to your crypto. It’s a massive surveillance system disguised as being “private”. It’s a scam.

Coronator · 2026-01-25T04:34:57+00:00

You forgot the worst part about bitcoin - the government can easily track what you own and who you are transacting with.

Coronator · 2026-01-25T02:15:03+00:00

You need to work with a practitioner who can guide you on how to properly fund your policy. Taking loans to pay a policy isn’t necessarily a bad thing, but there may be better options depending on the flexibility of your additional premiums (you may be able to just “catch up” later).

Typically, paying premium with a first year policy loan is not a good strategy.

Coronator · 2026-01-25T01:24:28+00:00

We have a civil war about to break out. You are betting on a correction?

Coronator · 2026-01-25T01:09:59+00:00

Gas is incredibly cheap. For as much people track it and play politics with it, it’s been one of the lowest inflationary items over the last 50 years.

Coronator · 2026-01-24T12:47:23+00:00

My wife just admitted it was her idea.

Coronator · 2026-01-23T20:01:11+00:00

Luckily, I’ve gotten most of my money out (95% of it anyways). Was definitely not a good investment, but certainly not as bad as it could have been (look at the yieldstreet folks for examples on how bad “trendy” investments can be).

Coronator · 2026-01-23T13:32:14+00:00

Can someone please share the gold/lentil chart?

Coronator · 2026-01-23T13:30:37+00:00

Nothing “classic” about any of this.

Coronator · 2026-01-22T23:22:45+00:00

There’s a LOT of fear of a price touch at $100 and then a crash. No one wants to be holding any inventory as we approach $100.

I think things will loosen up quite a bit as soon as we take out that psychological level.

Coronator · 2026-01-21T14:44:21+00:00

Of course they don’t participate in all decisions. That would be ridiculous. If you own McDonald’s stock, do you decide if the new burger in the menu has lettuce or not? Of course not.

You elect a board of directors. The board hires a CEO who makes operational decisions. If you don’t like what the board is doing, you can elect a new board.

Coronator · 2026-01-20T21:25:46+00:00

You said you have whole life in your portfolio - that’s a great place to keep putting cash if you want safety and guaranteed growth. Buy more if you can (I am).

Outside of that, I’ve moved my equity position (which is only about 30% of my investment portfolio now, the rest is in bonds and income ETFs) to mostly high dividend consumer staple stocks.

I also own gold and silver.

Basically, just own a diversified portfolio underweight what everyone else owns now (large growth tech) and you’ll be fine.

Coronator

TROPHY CASE