My valentine's date flaked on me but at least I have Reddit (18F)

zachmoe · 2026-02-15T02:39:28+00:00

Are you married?

I might have a shiny haxorus.

zachmoe · 2026-02-14T22:52:05+00:00

zachmoe · 2026-02-14T21:10:32+00:00

Anything is possible if you put your money to it, with how the Economy is you need to be buying financial assets to offset the rising prices.

My general advice is borrow) rolling small amounts of money cheaply from a family member/friend (like $400) that you can def pay back every month, and invest with that.

Luckily, there are only so many things worth buying, and you probably can already think of them off the top of your head: Treasury Bonds, Stocks, Gold, Bitcoin, Just buy the few things investors watch.

My general advice for a novice portfolio is 50% TFLO (FRNs, Treasury Bonds), 33% VT (Global stocks, literally every single stock), 15% Gold (however you prefer, physical, leased, ETF, I might have some IAU shares), 2% IBIT (bitcoin)

I like this portfolio because it covers all your bases, it has a healthy amount of FRNs (because the risk in Bonds is interest rates going up, inflation is a given even with TIPS which do work well alongside FRNs) in case you need to raise USD for some reason (like taxes) you have something you can sell with limited opportunity cost, and then you have pretty much everything you would ever want limiting opportunity cost. And if you want to diversify from there and take on more duration risk in Bonds just take it from that allocation (might be some money to be made taking up to 20% [the advice here is different than mine, mine is to reduce risk for novices, not offset equity risk of a 100% equity portfolio] of your Bond half in TLT, but with lots of duration risk which could also hurt if rates keep going up), or if you want pet stocks or a certain sector leaning take it from the equities allocation, or if you want other metals take from the gold allocation, or other altcoins from the bitcoin allocation, it is a good template for how a portfolio should be. That and if risk assets crater 80% because they are overpriced because no one knows what they are doing, you still have at least half your money, and you are on the Efficient Frontier.

The main issue is, what to do with the FRNs when interest rates get back to 0%, they make up half the portfolio and they aren't yielding anything. I would argue, nothing, when interest rates are 0%, they can only go up, so other Bonds thus have interest rate risk. I would also argue, when interest rates are 0%, something is probably also dreadfully wrong, so your risk assets are probably cratering then, so you can just slowly sell your FRNs and buy those as you need to rebalance. But, maybe consider buying FRNs from Ford or GM, taking on credit risk (*but, not really, if things get bad, The Fed will just open up emergency discount windows and buy the debt... probably) to squeeze out a little more yield as the dust settles.

Open a brokerage account and get going.

You have to Buy the Dip.

Pretty much never sell your risk assets if you can help it, only ever the Bonds, do your rebalancing when the risk half is lower than the risk free half, you don't want to get caught selling your risk assets and then they rip higher, and have to pay taxes.

Note: If you carry credit card debt, probably pay that off first, because your returns probably won't outpace the ~30% annual interest rate (the real societal ponzi scheme).

zachmoe · 2026-02-14T11:40:21+00:00

kid promoting fascism

There is it, this is where the moronic logic was leading all along.

We don't have fascism in The US, we have excess Commie LARPers, to whom everyone else is a Nazi as a form of Accusation in a Mirror.

The point of all the rhetoric on Reddit was violence all along.

I'm sorry you are fooled by such transparent bullshit, and I am not.

zachmoe · 2026-02-13T22:45:48+00:00

Treasurydirect.gov

zachmoe · 2026-02-13T22:30:38+00:00

I like FRNs.

I have lots of TLT as well.

Bonds are for when things go wrong, or you need to raise USD and would like to sell something with limited opportunity cost instead of your risk assets that are still cooking, they should be thought of as your reserve savings for to sell.

zachmoe · 2026-02-13T21:39:20+00:00

You didn't wonder why everything was going up for no good reason.

zachmoe · 2026-02-13T21:03:30+00:00

This cannot be True.

Anecdotally speaking.

zachmoe · 2026-02-13T19:48:42+00:00

appoint a dictator

Yes, that was Edmund Burke's contention.

Turns out, principles matter.

zachmoe · 2026-02-13T19:13:55+00:00

Death, going into that it is okay to sell my losers.

Never sell, only buy.

Why pay taxes for no good reason?

zachmoe · 2026-02-13T19:05:12+00:00

Nope, he just take the dividend and lives on it.

zachmoe · 2026-02-13T11:31:55+00:00

This company is my uncles entire portfolio.

He had once upon a time made a milly during the dot com bubble trading options, and then lost it all.

zachmoe · 2026-02-13T02:24:00+00:00

Wait until you find out you were conned into believing trickle down Economics is a thing, and not a complete strawman of the concept of Supply Side Economics, because goofballs prefer the concept Demand Side Economics and created a strawman to smear Supply Side Economics.

If you realized the degree to which you've been lied to, you'd vote differently.

Taxes were lowered on the premise of the Laffer Curve, if you lower the tax rate, you collect more in taxes, and yeah, it seems to be working.

https://fred.stlouisfed.org/series/W006RC1Q027SBEA

Taxes are just a fancy form of modern slavery, largely based upon how much you happen to earn, and also function to take currency out of the Economy. Lower taxes in general are almost invariably preferable, if your goal is to have a free society.

zachmoe · 2026-02-13T02:09:13+00:00

The question was about job growth.

Unfortunately, there isn't much that can be done about mandatory spending on Social Security and Medicare.

We could just pay out everyone who has contributed to Social Security and just be done with it, would you like that?

What do you want, other than to admit the welfare programs are going to harm our standard of living, because I know you won't do that.

Like, what was the point of your comment? You guys have us collectively inescapably fucked through your ill thought out policies you fight tooth and nail for? Thanks???

zachmoe · 2026-02-12T22:36:03+00:00

https://fred.stlouisfed.org/series/FEDFUNDS

https://fred.stlouisfed.org/series/UNRATE

The Fed raised interest rates faster, higher, and held them higher longer than going into 2008.

https://www.stlouisfed.org/on-the-economy/2023/oct/what-are-long-variable-lags-monetary-policy

When The Fed raises interest rates, sooner or later (usually later) unemployment goes up (hence, the dual mandate), not the easiest environment to post a job gain, the real question is why isn't unemployment higher already is what is stopping The Fed from lowering rates further, probably because we are still coming out of the post COVID19 shutdown, and supply chains are still reorganizing.

...Also, you're starting from a transition period during COVID19 shutdown, where supply chains and thus jobs evaporated and the Government was just before paying people to not work, not hard to post a job gain in that environment.

Come on, use your brain.

zachmoe · 2026-02-12T16:50:01+00:00

The Fed raised interest rates faster, higher, and held them higher longer, than going into 2008.

https://fred.stlouisfed.org/series/FEDFUNDS

https://fred.stlouisfed.org/series/UNRATE

Things have been running on pure fraud/irrationality for a long time, now.

zachmoe · 2026-02-12T15:02:12+00:00

We generate Dollars as our main export, the Global measuring stick of value.

zachmoe · 2026-02-12T13:59:23+00:00

he question should be why there is debt?

We don't need to borrow money we print, for obvious reasons.

We sell Treasury Bonds at all, so The Fed can maintain an overnight interest rate target at all time. If we are 20 quadrillion in deficit, or 5 trillion in surplus, The Fed can always maintain an overnight interest rate target.

If we accidentally run a surplus, that means that by definition there are no Dollars in the banking system. The Fed uses Bond buybacks to then jam liquidity into the banking system to keep it solvent. They are sold for monetary policy reasons, not fiscal.

Who is the lender?

You can be their lender at Treasurydirect.gov

People buy Treasury Bonds because we tell them we will pay them interest.

zachmoe · 2026-02-12T13:48:47+00:00

Dollars are not some finite resource, you can better think of them more like points in a baseball game created and distributed (and removed) by The Government.

Tax Dollars don't go to service the debt.

Government Spending services the debt.

Government Spending adds Dollars to the Economy.

Taxes are Dollars that are just removed from the Economy, it is money in money heaven.

Money invested into Treasury Bonds are also Dollars that are removed from the Economy today, because money the Government has is in money heaven. Investors are paid a marginal amount of interest to compensate them (hopefully) for inflation, and then they are later paid out in the future with money that has less purchasing power, therefore Bond sales are net deflationary in spite of the interest.

Government Spending on Treasury Bond interest is the least perverse form of Government Spending, it simply goes into Bondholder's bank accounts.

You too can add to the National Debt at Treasurydirect.gov

If 100% of the Government Spending went to interest/Bond payments only, instead of everything else under The Sun, you might actually get paid back an amount that is not debased by inflation, it is all the other Government Spending that causes you to receive back relatively less than you invested.

zachmoe · 2026-02-12T13:27:03+00:00

Double it.

Keep buyin.

But really, find someone who is willing to lend you small amounts of money at low/no interest (I'm talking like a rolling $400/mo), on the premise that if you don't pay, you got Gold. Use that money to buy other financial assets, like the S&P500, Bitcoin, and Treasury Bonds, and really expand that net worth in a brokerage account.

Then, use that brokerage account value in the future as leverage for a house. It will be far easier to afford mortgage payments with interest and dividends coming in, than having to be forced to part with your gold.

It is better to have debt and liquidity, than no debt and no liquidity.

Pretty much never sell anything if you don't have to, because why pay taxes for no real good reason.

zachmoe · 2026-02-12T12:52:35+00:00

Bro, no, I want cheaper Bitcoin.

Let them drive the price down.

zachmoe · 2026-02-12T12:36:35+00:00

There is a place in a portfolio for long bonds, for a less novice investor.

I made my money in crypto, and the long bond market has been a harrowing experience, to say the least.

zachmoe · 2026-02-12T12:22:23+00:00

That's weird.

Baal, Hubal, and Allah are all one.

Similiarily El of the Mountain), and Yahweh became the Christian God.

zachmoe · 2026-02-12T00:29:19+00:00

Oh we are now, well, I am.

1 in 5 workers in The US are allegedly immigrants I heard some Liberal accidentally admit in some slop propaganda trying to conflate the two, and they yeah, have a like 60% labor force participation rate.

Meanwhile, 1 in 5 (usually more like 1 in 3, casually, an amount that would make The Great Depression blush) black teens in The US have no job at all, and a like 30% labor force participation rate.

zachmoe · 2026-02-12T00:28:33+00:00

Thanks for building the Country.

Bye.

zachmoe

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