When it is easy bull markets, I go heavy on growth stocks. When the market is bear, I go heavy on dividends. Right now though there is a high beta turmoil, so I have a mix of both. My IRA is also set up as more od a “leave this alone” investment. My etrade account has my “fuck around and find out” money. I mention this because it is hard to directly compare the two. So far my dividends have strongly out performed the growth stocks, but only in the last 3 months or so has the gap widened. I credit it to 2 specific ones that are getting me 30%-ish yields with stable prices. They are also new etf’s, so the hedge money is still strong before the stripping gets to its prices. I mentioned in a post lower that that my little under 30k is netting me 800/month. Honestly it is paying a higher yield than renting out my condo is getting me.

It is also called ‘dividend stripping’.

Also yes. The more professional name is ‘dividend capture strategy’. More work, worth the pay off, do all you can to avoid commissions and fees.

Little under 30k in higher risk dividend. Bring in about 800 a month.

I have a mix of large cap, small cap growth stocks, then dividend high risk and low risk. Stock like this (I do not own PETS, I was just using it as an example) would be a high risk due to its price instability. But you mitigate that with stop loss orders.

I have a vanguard/roth for my longs (large cap growths and stable dividends with DRIP) and then use etrade for the small cap or high risk ones. I like their tax documents and easy interface.

People make arguments against dividend stocks, I simply call it a different strategy. Some years it beats out my growths, some years it is about on par. Depends on where I have it at the time and slightly more market dependant.

I have recently gotten into ex-date chasing. While it has increased the returns, it is more work.

Sure. It is still a lower rate than going into dividend stocks.

PETS, sorry, don’t know why my phone cut off the ‘S’.

PETMED EXPRESS INC COM

$10,000 at 4% gives you $400 interest in one year.

Just about any decent dividend stock will outperform that. Look at PET for example. It is sitting at $3.65/share right now and offers a quarterly dividend of $0.30. That puts you at $1.20/share per year. 10k = 2739 shares = $3,286.80 dividend payout in one year.

Banks are the worst place to put investments. Money in bank accounts are only supposed to be there if you need it liquid, like an emergency fund or your checking account.

*PETS

PETMED EXPRESS INC COM

For all the nay sayers downvoting me as if it is impossible to find dividend stocks that outperform their precious SPY or high yield savings rates, here is a great list I found with shit loads. I count 60 different stocks that offer 10% yields or more. 100 in total all offering over 8% -double what some bullshit ‘high yield’ savings offers.

https://www.tradingview.com/markets/stocks-usa/market-movers-high-dividend/

You would be surprised. If you worked a decent job early in life, moved up the ladder, retired as upper middle class making $250k-ish, it is kind of expected to have about 2-3 mil in your retirement. Hell, if you work a half way decent government job and invested wisely your entire life and didn’t have stupid amounts of debt, you should have about a mil in retirement.

1 mil in retirement gives you about 5,500 per month at a growth rate of 6%, withdraw rate of 3%, and annual inflation at 3%. The current recommended retirement is a little under a mil.

As far as retirement funds counting as tradable assets, that is how your 401k accounts work. It is literally a stock market account. The question comes down to when the tax is paid, pre or post withdrawal. In a roth IRA you pay the tax coming in. In a traditional IRA you pay tax when the money comes out. Either way, as long as the money stays in the account you can make it liquid, put it in a stock, bond, mutual fund, whatever you want as long as the account can do it; but in the end it is in a trading account and short of the cash in there, it is a tradable asset.

Biggest argument people are going to have against this is reading the headline and then realizing most their retirement is in the form of unrealized gains. But if you then just read the qualifier of $100 million, you will quickly realize we are not talking about normal people here. We aren’t even talking about normal rich people. We are talking about the 1% of 1% people.

I think they left out the most obvious questions-

Are you super rich?

Can you afford elective heath operations that will potentially prevent life ending illnesses or affliction?

Can you afford expensive lifestyles tailored for your health?

Can you afford to reduce all forms of stress in your life and live with no worries?

Congenital? No. Acquired? Yes. The area of the brain that processes and interprets sound has to develop. Without sound input as a child, that won’t happen.

Current leading theory of tinnitus is called the ‘central gain’ theory. This is where the brain becomes accustomed to seeing signals from the ear at a certain level, and when that neural level is no longer at that level it will add in its own noise to make up the difference. This noise is then perceived as a tone or sometimes a broadband sound, commonly described as either a ringing or a whooshing sound. Sometimes it can also be described as crickets. Depends on the person and cause. Not all hearing loss comes with tinnitus, but most tinnitus comes with hearing loss. In audiology school we had a whole class on tinnitus and covered many interesting aspects exactly like your shower thought here and went over papers on every angle you could think of. It was fun. But in the end, the brain has to at a minimum know what sound is to even perceive sound.

Seriously. We are talking about tire tread compared to weight. Both use multiple sizes of tire depending on the year/model. There are a few that overlap in diameter to get the closest to comparison but they still have a very different width. We are talking about a 235/35R18 vs a 235/75R18. That is a huge difference in wall height/aspect ratio and changes how the tire gives under power. Those numbers massively change depending on model as well. Something like an f150 raptor could have a 315/70R17, almost a foot wide. So comparing just the weight and saying they are close enough is far from a fair comparison.

Alternative headline: US Supreme Court surprised all by agreeing with the bare minimum and not forcing partisan political opinions into laws.

While any aircraft sent to ukrane is nice, I sure hope they aren’t paying much for them. That airframe is about 60 years old with the last major design overhaul in 1990 and its last electronics upgrade in 2000. They would be better off buying F15e’s or even the new f15ex. He’ll, even getting some last Gen f16’s or f18’s over there would be as good or better, but cost probably more. The f15 though is probably the best multiroll jet for the cost.

Now, if we are talking about sending some OG Mirage 2000 fighters over there, then that sounds like the ultimate white elephant gift France could give. The US could sent some F4 phantoms over while we are at it.

The big news I the training of 4500 pilots. That is huge. If they could do that, then the mirage 2000 could basically turn into their base fighter trainer and use it as the training wheels to get the new pilots experience and into bigger and better things.

You are on a nuke loving platform and people are going to downvote anything that isn’t hard pro nuke. But you are correct. I have had this exact same discussion before. The numbers you are looking for are called the LCOE, or the ‘levelized cost of electricity’ where the lifetime of the technology cost if factored in. Offshore wind is currently the lowest followed by solar. Nuke is clost to 10x the cost. There is even an international nuke consortium that has several reports agreeing with exactly what you are saying and basically sum it up as: if you invested in nuke early, then it is cost efficient to just keep upgrading. If you didn’t invest in it early, then the cost to implement it so high that you are better off going wind/solar. Even if you add in the cost of battery systems, it is still cheaper than building a new nuke plant. And more than that, with these new nuke plants you have to upgrade all your infrastructure because your old wires can’t handle the output loads. If you look at the 30+ billion Georgia spent on this plant, they could have simply given out a micro generation grant to everyone to add solar to their roofs, not needed to upgrade the lines, and been far better off. But hey, just like reddit, if you are commenting on lemmy you better be pro nuke only and ignore the other numbers.

As much as I say fuck the billionaires, they have actually already had methods of doing this for about 50 years. Only the dumb billionaires who registered the planes in their name were annoyed about the rules. They could have always registered it under a trust, like almost every other rich person private jet out there. People can still figure out the plane tail registration and track you through that, and that will never change. So the billionaires that are happy about this regulation change still have their tail numbers known by the public to be associated with them and can still be tracked. Now they just have to change their tail numbers (giant pain) and wait for people to do slightly more difficult digging to figure out what plane is theirs.

Tracking of a normal person by their stalker, preditor, or attacker, is just a normal problem?

I never felt so more attacked, but also related to at the same time.

My personal saying has always been: Democrats rule with incompetence. Republicans rule with spite and malice.

A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.

What regulated American militia do you belong to? We have been so quick to jump to defend the later part of the amendment that we have completely dismissed the first part.

I am a gun owner. I love my ar-15. I was in the Army. I did 2 tours to Afghanistan. I am also very liberal. If a law was passed that expanded on the actual enforcement of the well regulated militia text, I would support it. Instead, we have no regulated militias in America at all, and a bunch of gun nuts that keep screaming “shall not be infringed!!” While ignoring all the rest of the text.