*Investors Blog*

Pablo said:
New Laws for Stock Purchasing

1) If you buy something, maybe not always, but greater than 50% of the time it will go down soon after purchase.
2) Buying 1/2 the intended amount of shares cancels out Law #1. If you buy 1/2 the lot, seeing law #1, and hoping to average out purchase 1 and 2, this will not happen as stock price will go up.
3) If law 1 is in place for your purchase, buy the same stock again but in a different account. Because Law 2 only applies in the same account, same lot of shares.

This applies if you are a chartist or not.

We will approach selling later on in this series.
Click to expand...
Very true.
 
It's slowly moving...
1000023346.webp
 
Pablo said:
New Laws for Stock Purchasing

1) If you buy something, maybe not always, but greater than 50% of the time it will go down soon after purchase.
2) Buying 1/2 the intended amount of shares cancels out Law #1. If you buy 1/2 the lot, seeing law #1, and hoping to average out purchase 1 and 2, this will not happen as stock price will go up.
3) If law 1 is in place for your purchase, buy the same stock again but in a different account. Because Law 2 only applies in the same account, same lot of shares.

This applies if you are a chartist or not.

We will approach selling later on in this series.
Click to expand...
This is why I generally don’t trade stocks, as soon as I buy it drops maybe I should just go against my intuition lol
 
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Pablo said:
New Laws for Stock Purchasing

1) If you buy something, maybe not always, but greater than 50% of the time it will go down soon after purchase.
2) Buying 1/2 the intended amount of shares cancels out Law #1. If you buy 1/2 the lot, seeing law #1, and hoping to average out purchase 1 and 2, this will not happen as stock price will go up.
3) If law 1 is in place for your purchase, buy the same stock again but in a different account. Because Law 2 only applies in the same account, same lot of shares.

This applies if you are a chartist or not.

We will approach selling later on in this series.
Click to expand...
It's amazing how much influence your purchases have on the law of total probability, and the Universe. ;)
 
Dave Hess said:
Theres some buzz going around about a new 50 year mortgage law and $2000 stimulus checks from the tariffs.
Click to expand...
Might as well just make morgages only pure interest payments (call it lease payments) to make it "affordable", lol. Then every time someone sells a house the prices will just keep getting jacked up even more between sales than now because people would want to try and get some kind of equity out to cover the loan principle and cost of selling, and maybe some left over equity to feel better about all the interest paid. And then rent a 600 sq-ft apartment with the proceeds. Banks will own it forever.

Better idea is get mortage interest rates down to have a bigger influence on monthly payments affordability than extending the loan period and blowing up the inerest paid.
 
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Yes, 50 year mortgage is nothing but rent. Only drops payment by a couple hundred bucks, assuming Fannie / Freddie subsidize them at the same rate as a 30 year fixed. Who is dumb enough to securitize a 50 year note?

Another thing that sorta blew my mind is the total debt by age group. I was shocked the average baby boomer still has a couple hundred thousand in debt. Possibly they have way more assets to back it, but I bet a lot are flat broke still. No wonder all the effort to find people to afford to buy these homes when the retirees need to sell. So much for all this wealth transfer by generation - maybe for a select few. https://www.synchrony.com/blog/bank/average-american-debt-by-age

House of cards.
 
joekingcorvette said:
Folks, the market generally goes up and if it goes down wait two years and normally it will all come back in greater value. I am not going to quit investing especially in the Mag 7. Just saying.
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I am still in on tech, but it wouldn't take much to get me to leave. Took the Nasdaq 16 years to recover from the 99 crash. I don't have 16 years to wait this time.
 
SC Maintenance said:
Yes, 50 year mortgage is nothing but rent. Only drops payment by a couple hundred bucks, assuming Fannie / Freddie subsidize them at the same rate as a 30 year fixed. Who is dumb enough to securitize a 50 year note?

Another thing that sorta blew my mind is the total debt by age group. I was shocked the average baby boomer still has a couple hundred thousand in debt. Possibly they have way more assets to back it, but I bet a lot are flat broke still. No wonder all the effort to find people to afford to buy these homes when the retirees need to sell. So much for all this wealth transfer by generation - maybe for a select few. https://www.synchrony.com/blog/bank/average-american-debt-by-age

House of cards.
Click to expand...
190K is not much mortgage really, and lots of those are 750K-1Meg+ places. If they got the loan or refied say under 3.5%, peanuts.

To me, it's more nuts that people have ANY CC debt.

https://wolfstreet.com/2025/11/11/a...owners-and-a-superb-deal-for-banks-investors/

https://wolfstreet.com/2025/11/10/h...-prime-delinquency-rates-balances-and-burden/
 
Pablo said:
190K is not much mortgage really, and lots of those are 750K-1Meg+ places. If they got the loan or refied say under 3.5%, peanuts.

To me, it's more nuts that people have ANY CC debt.

https://wolfstreet.com/2025/11/11/a...owners-and-a-superb-deal-for-banks-investors/

https://wolfstreet.com/2025/11/10/h...-prime-delinquency-rates-balances-and-burden/
Click to expand...
Your thinking specific example, not big data set. That is "average" So take everyone with zero mortgage then factor it in. Median home price is still around $400K.

The only real value of such numbers is comparator, and comparatively boomers on average are really not that much lower in debt than people 30 and 40 years younger - again on average.

So yes, there are some seniors that are in the clear, but also a whole other large group that are completely broke. Same as every other group. Doesn't bode well for those that are relying on reverse mortgage and Social Security to survive.
 
SC Maintenance said:
Your thinking specific example, not big data set. That is "average" So take everyone with zero mortgage then factor it in. Median home price is still around $400K.

The only real value of such numbers is comparator, and comparatively boomers on average are really not that much lower in debt than people 30 and 40 years younger - again on average.

So yes, there are some seniors that are in the clear, but also a whole other large group that are completely broke. Same as every other group. Doesn't bode well for those that are relying on reverse mortgage and Social Security to survive.
Click to expand...
Yeah I was actually thinking mean, but should have said those at the mean and under. not a huge deal. But the old bozos pulling the mean up, NOT GOOD YOU IDIOTS.

Around here, $400K doesn't buy a shack.
 
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