Stock Market/Investing/Fin Planning Catch-All

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Selfish question
All my "CDs" are up the next two weeks I have earned 5.1 % (pretax of course) the last year-Today it would be in the 4.5 range
If everything goes to hell this week will that type of return likely to go up or down when I have to reup at say Feb 15 rates???
 
mpaer said:
Selfish question
All my "CDs" are up the next two weeks I have earned 5.1 % (pretax of course) the last year-Today it would be in the 4.5 range
If everything goes to hell this week will that type of return likely to go up or down when I have to reup at say Feb 15 rates???
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I'm guessing if everything goes to hell in the bond markets then CD rates may inch up a smidge...
 
superrific said:
That would be weird. At least some of this has to be priced in already. It's not as if Trump has been shy about broadcasting his plans.
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I don't think people actually believed that Trump would do the things he is doing. They may have priced in some tariffs but I doubt the DOGE stuff is priced in.

Only Trump and his inner circle really know what is just a bluff and what is not and they are probably positioned to make a lot of money off of that knowledge.

I am almost certain that the worst scenarios that have a decent chance of happening are not priced in. I think we have a real chance that things can get really bad - like the worst economic conditions in our lifetimes.

There aren't any adults in the room to help us if these actions start a cascade of failures similar to 2008.

Note: I never bought those SPY put options I was thinking about buying. Might have been a mistake. We'll see.
 
ChapelHillSooner said:
I don't think people actually believed that Trump would do the things he is doing.
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Well, Ramrouser and others told us that he wasn't going to do all the things he said he would do...

I'm sure Ram is financially set and just waiting for the tax cuts, so he doesn't care.

I need another 25% to reach my retirement goal over the next 5 years, I don't need to be going backwards.

Of course, I'm also thinking it might be a good time to sell my house and rent for a while.
 
I live on my retirement (State retirement )-which will get eaten up by inflation--But I save my Soc Sec and my "invesments"-which approx equal my Soc sec. My goal is to increase my inheritance to my kids-if I must I will spend it on Dementia care etc So if it all goes to hell I will leave my kids less or nothing-and maybe have a couple yrs dementia care..........
So fuck me - I am okay.I am seriously concerned about the 30ish % of folks that wil fall down a hole if it all goes to Hell
And that is totally on the Republican Party . 100%
Duh Huh to those that voted for Orangeturd
 
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I’m not that worried about tariffs because it’s easily reversed if need be. I’m much more concerned about the autocratic actions.
 
1moretimeagain said:
I’m not that worried about tariffs because it’s easily reversed if need be. I’m much more concerned about the autocratic actions.
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It's not that easily reversed. I mean, if he calls them off next week, maybe. But if they go on for a year or two, the damage will be lasting.

But I see your point. They are more restorable than democracy.
 
I've never tried to time the market and I'm not gonna start now. I think the most likely scenario if there is a true rout, is he backs off and strikes a deal to save face. He will then say he started high on tariffs as a negotiating move and ended up where he wanted to all along. And stocks will quickly recover as it becomes more obvious he is a paper tiger.

It's obvious right now a lot of people are looking for reasons to sell and are antsy. But lately any time there is a mild selloff, like 3% or whatever over some overreaction, it's right back up in a week. I mean look at what happened in the Nasdaq with the Deepseek stuff, then it looked like it would hit its peak again on Friday until the tariff stuff spooked people.

I got in a panic last time he was elected, but still didn't sell, and everything was fine until Covid. And that selloff recovered quickly. Maybe I'm just too optimistic but overall this economy is doing fine. I just don't see any reason for a sustained selloff. I'm also 15 years from what I would consider a normal retirement age, although ideally I'd like to officially retire in ten, but I've got some time to ride out a few dips.
 
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These fucking crypto mooks still don't seem to get that crypto is just a high beta NASDAQ tracker. All that bullshit about storing value and all the CO2 produced and energy consumed just to make a bad version of QQQQ.
 
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