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Does the President REALLY Have Control Over The Fed & Interest Rates?​

Mar 22, 2025 #jenniferlammer #bondbeginners #bondmasters

Can President Trump really take over the Fed, replace Powell & lower interest rates? Is this a repeat of the FTC firings or is the Fed somehow different?

18:12

SOURCES:
https://www.federalreserve.gov/mediacenter/files/FOMCpresconf20250319.pdf
https://www.yahoo.com/news/trump-criticizes-federal-calls-lower-144544087.html
https://www.brookings.edu/articles/why-is-the-federal-reserve-independent-and-what-does-that-mean-in-practice/
https://trumpwhitehouse.archives.gov/presidential-actions/president-donald-j-trump-announces-nomination-jerome-powell-chairman-board-governors-federal-reserve-system/
https://www.federalreserve.gov/faqs/about_12799.htm
https://www.richmondfed.org/-/media/richmondfedorg/publications/research/econ_focus/2009/fall/pdf/federal_reserve.pdf
https://prospect.org/economy/2023-04-06-federal-reserve-independence-problem/
https://www.bloomberg.com/news/articles/2025-03-21/jerome-powell-says-trump-can-t-fire-him-that-might-change
https://www.treasurydirect.gov/auctions/upcoming/
https://www.marcus.com/us/en/savings/high-yield-cds/14MCD
 
In my opinion, the US Treasury bills will NEVER be a good deal. Can I underline the word NEVER?! This is my opinion, but non-government securities will always perform better because they don't have the crap returns of treasuries.

But I also refuse most of the stock market because their returns are also really bad. Look at their P/E and ask what is actually a good investment? Very few, if any. And certainly not the averages.

Show me wrong. Give examples how your wise investing (and not lucky gambles) has proven that "good investing" has worked out.
 

Are You Losing Money In Your Money Market Fund To Taxes? (SPAXX, SWVXX, VMFXX & More)​

Apr 1, 2025 #jenniferlammer #bondbeginners #bondmasters

Are you losing money in your money market fund to taxes, plus what are the top money market funds in our community paying right now & is a money market fund better than cash in T-Bills?

22:57

SOURCES & REFERENCED VIDEOS:

VIDEO: Different Types Of Money Market Funds: https://youtu.be/TrdJKech_Rw
https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/taxes/TY24GSESupplementalLetter.pdf
https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/TY23-GSE-Supplemental-Letter.pdf
https://www.schwabassetmanagement.com/resource/2024-supplementary-tax-information
https://investor.vanguard.com/content/dam/retail/publicsite/en/documents/taxes/usgoin-2024.pdf
https://investor.vanguard.com/content/dam/retail/publicsite/en/documents/taxes/USGO_012025.pdf
 
Watched this earlier and thought it was good. There is nothing to see so you can listen in one tab, play around the forum in a different tab. I read the comments below the vid, some are interesting. Just posting as food for thought.

With Zero Stocks in His Portfolio, Robert Kessler Is Sleeping Much Better​

Retired Treasury bond manager Robert Kessler has always been skeptical of Wall Street’s "stocks for the long term" mantra. He explains why he is completely out of stocks in his personal portfolio—and why you should consider doing the same.WEALTHTRACK episode 2140 broadcast on April 04, 2025

With Zero Stocks in His Portfolio, Robert Kessler Is Sleeping Much
 
Some sites I've been looking through while trying to learn a thing or two.

Dividend Yield CEF Screen | CEF Channel

dividend yield cef screen
www.cefchannel.com

Top 50 ETFs with the Highest Dividend Yield in EUR

The dividend yield is an important measure of an ETF's earnings power. Compare the top 50 highest dividend yielding ETFs in euro now.
www.justetf.com


High-Dividend Yield US Stocks — TradingView

Some people pursue a strategy of investing in these dividend US stocks so they can get consistent income, while also benefiting from any appreciation in that business' share price. Is that you too?
www.tradingview.com
 
I don't see much "saving" here.

I see investing. Some that borders on speculating.

Someone who is building savings, wants it absolutely secure.

An investor is looking for returns, typically. Large players may be looking to buy into a business, or buy it outright; but neither are "savers" in the understood meaning of the term. There is risk, as there is with any investment.

And, speculating? That's roulette-wheel stuff. If you have to speculate with money to get any return, you know your economy, your money, is troubled.
 
FWIW / DYODD

Should You DUMP GOLD for OIL STOCKS ?​

May 8, 2025

Is it time to sell some gold and buy oil stocks? I look at the Gold To Oil Ratio and see how cheap a barrel of oil is relative to gold. The at 58 barrels of oil per ounce of gold, the gold/oil ratio is now the highest it has been since 2020 .
I compare the cost to mine gold and silver using the All In Sustaining Costs (AISC). I look at the average cost to produce crude oil and compare how much more expensive gold is to oil considering the costs to produce them.
Then I look the XLE ETF and see if it is expensive as well as individual stocks inside the ETF like XOM, CVX, COP.

13:33
 
It depends on whether you think the stonk market...Rule of Law...is going to survive.

The Grate Taking still looms. It hasn't been addressed or discredited.

A stonk is just someone else's liability. And the Elites running Corporate America, prefer using law to hide from liability. Preferred bondholders of Chrysler LLC, in 2009, got a taste of that, when their first-rights-of-recovery were erased by a Kenyan fraud in the WH.

So, move with caution. We have at least three moar years of the Fourth Turning.
 
Jennifer L

Lock-In 6.75% Today Or Bet On Higher Rates?​

May 10, 2025 #jenniferlammer #bondbeginners #bondmasters
Lock-in 6.75% today for at least two years or bet on higher rates? It seems some companies are betting on higher rates! Here are the 11 top-yielding new issue agency and corporate bonds we found for you this week!
*Sources & referenced videos can be found in first pinned comment

Lock-In 6.75% Today Or Bet On Higher Rates?​

 


Stock market crash is going to hurt a lot of people. I'm guessing few of these people own any precious metals.
 
Diversify, bunch of little buckets so the bankers boys have a hard time robbing you all at once...
 

Bogleheads

The Bogleheads® are a group of investors who follow the investing philosophy of John C. Bogle, the founder of Vanguard. Bogleheads emphasize regular saving, broad diversification, and sticking to one’s investment plan regardless of market conditions. Bogleheads follow simple investment...
www.youtube.com
 
Jennifer is talking security in this one.

How You Can Keep Your Cash Even Safer At Fidelity (Latest Security Feature)​

Jun 5, 2025 #jenniferlammer #bondbeginners #bondmasters
Are your Fidelity brokerage and retirement accounts as safe as they can be? Have you activated Fidelity's latest security feature? We did that recently - see how you can do the same (step-by-step Fidelity-authenticator app tutorial)

14:05

SOURCES:

- https://play.google.com/store/apps/details?id=com.google.android.apps.authenticator2&hl=en_US
- https://www.authy.com/features/
- https://support.google.com/accounts/answer/1066447?hl=en&co=GENIE.Platform%3DAndroid
 

5 Brand-New No Fee Index Funds From E-Trade: Are They Really Free & Should You Invest?​

Jun 7, 2025 #jenniferlammer #bondbeginners #bondmasters
Morgan Stanley | E-Trade just launched five brand-new no fee index funds: are they really free & worth investing in? How do no fee index funds make money & what should you beware of?

16:58

SOURCES:

- https://us.etrade.com/what-we-offer/investment-choices/mutual-funds/no-fee-funds
- https://www.sec.gov/ix?doc=/Archives/edgar/data/2048903/000113322825003479/ms-efp15377_497.htm
- https://doc.morningstar.com/DocDetail.aspx?clientid=etrade&investmenttype=1&doctype=prospectus&cusip=26925T103
- https://doc.morningstar.com/DocDetail.aspx?clientid=etrade&key=2fc038529bc433a6&investmenttype=1&doctype=prospectus&ticker=ETLGX
- https://www.solactive.com/Indices/?Index=DE000SLA30N4&index=DE000SLA4HP8
- https://fundresearch.fidelity.com/mutual-funds/summary/315911750
- https://investor.vanguard.com/investment-products/etfs/profile/voo
 
This one is a bit different. Nick talks about Target stock in this one. First time he's done this to my knowledge. DYODD with this.

Should You Invest in Target Stock NOW?​

Jun 18, 2025
Has Target stock (TGT) fallen to a level that makes it cheap as a value stock and a dividend stock? I compare Target stock to Walmart and Costco to show how undervalued Target stock is. I also look at the Free Cash Flow Yield on Target to see just how cheap this stock is. Also, looking at the monthly and weekly Target stock chart you see that it is at the lower end of its range on a technical level. I talk about a TGT stock price prediction and where I think the stock price could go in a few months.

9:26
 
Is Target going to repeat the Sears Holdings debacle? Where the biggest stockholder also becomes largest creditor, as well as CEO, and has the pull to become the Receiver, after bankruptcy is filed?

The Eddie Lampert model is, the real-estate is worth more than the operating company, so strip the assets, find a way to control the company CONTRARY to shareholder benefit, and execute.

The retail brick-and-mortar model isn't holding up in this Woke Age of chaos, Amazon drop-shipping, and anarcho-tyranny, with law-enforcement becoming fake-and-gay. This won't last, of course - and the Amazon model won't last with increasing street-level violence - but neither will the Big Box retail paradigm.

DYODD, indeed.
 
Jennifer L

Earn More With Annuities vs Bonds & CDs? | Multi-Year Guaranteed Annuities Explained (2025)​


Jun 20, 2025 #jenniferlammer #bondbeginners #bondmasters
Annuity rates are at some of the highest levels that we’ve seen in recent years. Might a MYGA (multi-year guaranteed annuity) be right for you, what are the risks & how is it different from a CD & a bond?
*Referenced video can be found in first pinned comment

 
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