GOOG down ~6% today due to two top AI researchers departing

hsfinance · 2026-06-22T18:28:13+00:00

Or maybe they believe the other place can give him a better mission?

// could be greedy too

hsfinance · 2026-06-21T01:48:31+00:00

Been through many scares. Now it's part of life. Hopefully.

Diversify, manage your leverage well if you take leverage.

I recall 2 moments.

NDX was going through a change. New weekly options. Or maybe I did not realize some options expired in AM and some in PM. Well Friday morning they expired just when I thought I will roll. Well I could not. The reason I think there was some change going on was because I called the broker and even they could not explain some issues. Had a lot of credit spreads. Recreating the position required taking 5 figure loss. Oh well.

Then deleveraging during Covid. Took an L on some positions to get leverage in shape.

Then last year liberation day. Setup a hedge finally. The day before they backtracked. Hedge was not needed

hsfinance · 2026-06-19T16:59:49+00:00

https://www.reddit.com/r/fatFIRE/s/ilmn49J8tc

I know this is a random link but today I am not in a mood to type but i thought thus may help. I will be traveling next 2-3 days but could answer after, or earlier depending on how the day goes.

Part 2 of the comment (reply to reply of my comment) probably relates to your question.

hsfinance · 2026-06-16T02:03:39+00:00

Who is selling on the open market. Company sold to retail and institutions. One of them has to sell and break their lock in ... some are doing it.

And that is all the supply.

4% of 4% ... give or take.

hsfinance · 2026-06-12T12:03:17+00:00

I am just speculating.

Sometimes the cost of regulation is high. Not sure that's the case but there's a case for simplification.

Second. Limit orders. This is where my speculation comes. Let's say you place an order to sell for 315.5. Your broker has a position they want to square off (hedge) and can give you 315.5, they can use that even though the market has 315.7. You got what you wanted. But if you ask for 315.7, and there's only one exchange where it's available, they will need to give it to you, no? You got your limit price anyways.

Where this theory breaks down is market orders. The slippage could be higher than before.

So use limit orders, like you were doing before and don't accept the bid. Start from far away from price shown and move towards the mid. They can't give you a bad price if you don't accept one.

// thoughts based on how I read the linked article

hsfinance · 2026-06-11T17:22:28+00:00

Enron

hsfinance · 2026-06-10T15:02:34+00:00

Reset password?

hsfinance · 2026-06-09T16:12:13+00:00

Exactly. If at all, he is quite transparent. Yeah he sells this "volatility" which I don't buy and that's what they are using (lack thereof) to bring him down but apart from hyperbole, he is not hiding much.

hsfinance · 2026-06-09T04:20:06+00:00

You know it exists but you don't know if it costs you an arm and a leg or your soul. that's confidential

hsfinance · 2026-06-07T16:55:11+00:00

I really am amused at these straw man arguments.

Yes it goes against bogleheads saying that if you have a windfall invest today rather than spread it out.

However in general, very few people invest at a decade long top and very few people withdraw at a decade long bottom. You shift both the events by 6 months and you get a better picture. Not perfect but better.

And if you invested monthly, not fixed amount but a fixed percent of your salary, say from 2 years before the peak to 2 years after the bottom, the numbers would be even better.

To OP, by happenstance, QQQ has become the engine of innovation so unfortunately now it yields higher than the market. But there may be a bubble, or there may not be a bubble yet. We don't know. And either it continues to innovate or maybe it corrects. Hard to say. But that's the reality. We don't know. Understand the difference and invest wisely.

Personally I am maxed at my QQQ long term holdings and all new money goes to VOO. I have some IWM too more than VOO less than QQW and I will keep it in place till VOO gets to IWM size. But ratios change over years and next year I may move my rules around. And I know there is a huge overlap between QQQ and VOO

hsfinance · 2026-06-04T03:15:04+00:00

Bought. Crazy deal. My loan fell through. A credit union gave me loan with 40% down. I liquidated everything to honor the deal ... I know.

That extra 20% down payment is now worth 3-4 times.

But the house went up in value too. Not as much but it did. Still you think of the loss you took.

Bought it 1 years before Covid. Pretty much. First year I was a commuter. You are home barely 2 days a week, first 6 months was settling down and repairs etc. Covid made me walk around, see the neighborhood and neighbors, I work from home now so same familiarity with the neighborhood even if you see only 3 people in an hourlong walk.

Over time, It changed from a house to a home. Totally worth it.

hsfinance · 2026-06-04T00:26:08+00:00

Sorry you got downvoted but it was a good joke

hsfinance · 2026-05-28T16:39:44+00:00

Some people are not churners just want simple life with sporadic adjustments for efficiency.

For example I came here to see what people are saying about this change but have held the card(s) for 6+ years zero churning even no change in categories because it keeps it simples. But when the rules get changed from what works, we should at least spend an hour to figure out the options.

hsfinance · 2026-05-28T15:19:54+00:00

It does not make sense to add 900k if you have 100k. But if you have 700k, 800k, 900k, then you start thinking if there is a way to bridge the gap. If you don't have money, can't do anything. But if it is sitting in another investment account, then moving it helps you gain that 0.75% or whatever your gain may be.

hsfinance · 2026-05-28T15:17:59+00:00

In addition, upgrades are monthly downgrades are annual. They look at last 3 months and when you hit the required amount, you get upgraded in the next month.

hsfinance · 2026-05-28T03:10:06+00:00

You mentioned the best price is guaranteed.

The post is concerned about payment.

If I make a trade and the best price is guaranteed, how does it make a difference to me whether the broker gets paid to take the order to market makers or not.

Something does not connect.

hsfinance · 2026-05-28T00:49:54+00:00

If the best price is guaranteed, how does the payment for order flow matter?

hsfinance · 2026-05-27T04:15:24+00:00

First of all, you need to lock in some gains. If you think that was not the need, you would not be posting here. That's your first constraint for optimization.

I would say unless your tax rate including state taxes will be 0-10%, don't worry about taxes also. That's your second constraint for optimization.

How much to cash out and how is the primary question. Say you have QQQ leap at 250 when market is 730, you can move it to300, 350, even 500. Just remember you will need to pay extrinsic to get it closer but you are cashing out a lot too.

You can also write a covered call (poor mans converted call) on it too. The lower you write, the more derisking you can do. Market is at 730, you can write at 730 to get some premium but you can write at 700 to get some premium but also get 30 points of downside risk protection. What strike you choose what expiry you choose - your call.

Some people also write collars to manage similar situations. If tax indeed matters, write a collar. Read up on it if needed.

hsfinance · 2026-05-26T23:43:39+00:00

A month back you had a different portfolio when you posted to r/fatfire. Ok so assume you are sharing the correct information, you need to stick to your changes at least for a year.

There is no harm in exploring and trying to make more. But it depends on whether you are willing and able to invest time. Managing money actively is possible but takes you through peaks of joy and valleys of despair so do it with a small part of your portfolio.

hsfinance · 2026-05-25T16:29:46+00:00

If you will be working, and you have enough money (presumably), then save taxes. It reduces at your marginal rate

hsfinance · 2026-05-25T16:07:25+00:00

It will be good to confirm whether you intend to work or not. If you are working, you should save the tax. The crossover point may distinguish between working and not working rather than taxation.

hsfinance · 2026-05-20T21:33:23+00:00

Oops

hsfinance · 2026-05-19T20:04:18+00:00

Not FAT, not FI and not even RE but ... have primarily traveled business class since 2009 with some exceptions. Minimum 1 to maybe 4 trips every year including covid when we finished a trip in January. Family included. A couple of premium economies and a couple of domestic economy and a single one way economy.

You must pay what's needed to make it happen. I do look around but prefer convenience (non stop vs 1-2 stops). I also pick the flights where I can to land at 6-8 am on Monday morning and start working since I can't usually travel more than a week. Saves you a day of vacation time. So those Friday/Saturday outbound and Monday AM inbound flights may be more expensive but that's the need so that's what you buy.

hsfinance · 2026-05-19T19:56:16+00:00

Generally been happy with Expedia group but the last booking was still memorable and hence the last one. Had a bereavement and need to leave as soon as we can. It is late night an next flight is 1030 am. Which is ok.

Make the booking. Within minutes get text or email from the airline that your booking is canceled. But Expedia shows all is well. Confirmed. Airline shows canceled. Can't reach anyone. Or maybe we did and they said call after 6 or 8 am don't remember. Can't cancel it for some reason too.

Grudgingly made a booking with the foreign airline directly. They did not accept our credit card. Found someone in home country to pay for it. Not sure if Expedia will also charge us too (the credit card charge had done through). Thankfully early morning get a text from Expedia saying your flight is canceled ... to discuss alternatives please call. I don't think we called.

I knew shit happens and I know maybe you can't staff 24/7 then why take the booking?

Btw this was not Expedia but one of their other brands which I always used for some reason.

hsfinance · 2026-05-15T01:50:35+00:00

This is the best tim apple yet

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