Who says he can’t fire Powell? He has already disregarded the Supreme Court order to return the US citizen from El Salvador. Tell me who’s going to stop him.
Anyone investing heavily this year??
- Thread starter rph2005
- Start date
Can't fire fed... Yet.
The goal is to raise interest rates to 50 percent. Please ignore those people and their theatre.
I have half my hsa in the s&p 500 , even with the sell off my cost basis is still at a profit. You can just dollar cost average it into some etfs if you think the market is going lower. I also look at my hsa as another retirement vehicle so I don't plan on using it anytime soon.
I wish, man. My firm has it and a few years back I wanted to sign up, but didn't totally understand/ couldn't confirm whether or not it covered my current situation (46, no major medical issues, just do my annual physicals etc.). I'm a true blue idiot when it comes to deductibles and some of the medical coverage jargon. So I ended up keeping my coverage as-is. Super basic.
You can always make changes during your firms next enrollment cycle.
As long as you have a high deductible insurance plan that meets the requirements you can open a HSA on your own
I didn't know you could invest the money in your HSA. Is this something you've done before?
This would've been my first time doing so.
To invest HSA funds, you'll typically log into your HSA account, navigate to the investment section, enroll in the investment program, and then choose your investment options. You can allocate a portion of your HSA to investments like stocks, bonds, mutual funds, and ETFs, much like a brokerage or retirement account.
Here's a more detailed breakdown:
1. Enroll and Set Up:
Log in to your HSA account: Access your online account or app.
Navigate to the investment section: Look for options like "Manage Investments," "HSA Invest," or "Start Investing".
Enroll in the investment program: Follow the prompts to enroll and agree to the disclosures.
Set up investment options: Choose your desired investments, set up automated funding (if desired), and potentially complete a risk tolerance questionnaire.
2. Choose Investment Options:
Stocks, Bonds, Mutual Funds, and ETFs:
Many HSA providers offer a range of investment options.
Consider your risk tolerance and investment goals:
If you're comfortable with higher risk, you might choose stocks or growth-oriented funds. For a more conservative approach, consider bonds or money market funds.
Some providers offer robo-advisor options:
If you prefer a hands-off approach, a robo-advisor can manage your investments based on your risk profile.
Consider a diversified portfolio:
Spreading your investments across different asset classes can help mitigate risk.
3. Transfer Funds:
Determine your cash reserve:
Decide how much of your HSA funds you want to keep in cash for immediate use, like medical expenses.
Transfer funds to your investment account:
Once you've chosen your investments, you'll need to transfer funds from your cash balance to your investment account.
Set up automatic transfers:
Some providers offer automatic transfers between your cash and investment accounts, ensuring you maintain your desired balance.
4. Manage Your Investments:
Monitor your investments online:
Regularly review your investment performance and make adjustments as needed.
Consider rebalancing:
Periodically rebalance your portfolio to maintain your desired asset allocation.
Take advantage of tax-free growth:
Any earnings on your HSA investments are tax-free, as long as withdrawals are used for qualified medical expenses.
The Stock Market Just Did Something for Only the 7th Time in 45 Years -- and It Has a 100% Success Rate of Forecasting the Direction the S&P 500 Will Move Next
For the better part of the last two and a half years, the bulls have been in full control on Wall Street. Excitement surrounding the rise of artificial intelligence, euphoria concerning stock splits in some of the Wall Street's most-influential businesses, and the resilience of the U.S. economy, have all played a role in pushing the widely followed Dow Jones Industrial Average (DJINDICES: ^DJI), broad-based S&P 500 (SNPINDEX: ^GSPC), and growth-driven Nasdaq Composite (NASDAQINDEX: ^IXIC) to multiple record-closing highs.
But the stock market wouldn't be a "market" without the ability for equities to move in both directions.
Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Continue »
The last eight weeks have been nothing short of a roller-coaster ride for the Dow, S&P 500, and Nasdaq Composite. During this span, all three indexes have logged some of their largest single-session point gains and declines since their respective inceptions.
Widening the lens to examine the aggregate shows the Dow Jones and S&P 500 dipped firmly in correction territory, with the Nasdaq Composite falling into a bear market.
Image source: Getty Images.
When volatility picks up on Wall Street, it's common for investors to seek out data points and events that have previously correlated with directional moves for stocks. While no correlative data point or event can guarantee short-term directional moves on Wall Street, there's no denying that some have been strong precursors to moves higher or lower in the benchmark S&P 500 throughout history.
One exceptionally rare correlative event just occurred for the stock market, and it has a, thus far, flawless track record of forecasting what's next for the S&P 500.
Tariff and valuation uncertainty rule the roost on Wall Street
Before diving headfirst into this correlative event, some background is needed to explain how things became so volatile on Wall Street.Although fear and uncertainty are the two factors that typically incite volatility and weigh down the price of equities, the bulk of the blame for the stock market's recent "hiccups" can be attributed to President Donald Trump's tariff policy, as well as the historical priciness of stocks.
On April 2nd, a day which the president has referred to as "Liberation Day" for America, Trump unveiled his broad-stroke tariff policy. He introduced a sweeping global tariff of 10%, as well as implemented higher reciprocal tariffs on select countries that have traditionally run unfavorable trade imbalances with the U.S. As of April 9, all of these reciprocal tariffs, sans those directed at China, are on a 90-day pause.
Though President Trump's aim with tariffs is to generate revenue, protect U.S. jobs, and encourage domestic manufacturing, there are some serious potential deficiencies with his policy.
For starters, it could incite a trade war with China, the world's No. 2 economy by gross domestic product, or possibly even hurt trade relations with America's allies.
Additionally, Trump's tariff policy makes no clear differentiation between output and input tariffs. An output tariff is placed on a finished good entering the country, while an input tariff is an added tax on a good used to complete a product in the U.S. Input tariffs are disadvantageous for American businesses from a pricing standpoint.
S&P 500 Shiller CAPE Ratio data by YCharts.
The other big problem is that the stock market entered 2025 at one of its priciest valuations in history. Based on the S&P 500's Shiller price-to-earning (P/E) Ratio, which is also known as the cyclically adjusted P/E Ratio (CAPE Ratio), Donald Trump inherited the priciest market of any incoming president.
In December, the S&P 500's Shiller P/E hit a high almost 39 during the current bull market cycle. With the exception of its all-time high of 44.19 in December 1999 and its January 2022 peak of around 40, this valuation tool, which has been back-tested 154 years, has never been higher.
The silver lining is the ongoing correction in the S&P 500 has lowered the Shiller P/E multiple to 33.38, as of the closing bel on April 15. Unfortunately, this is still nearly double its 154-year average of 17.23.
Furthermore, the previous five occurrences where the Shiller P/E topped 30 for at least two months eventually saw the Dow Jones, S&P 500, and/or Nasdaq Composite shed 20% (or more) of their respective value.
The stock market has never bottomed out at such a historically pricey valuation premium.
Image source: Getty Images.
This exceedingly rare event should give optimists reason to smile
With a better understanding of the backstory to Wall Street's historic bout of volatility, let's dive into the rare event that just occurred, which has consistently boded well for optimistic long-term investors.On April 9, the day President Trump announced a 90-day pause on most reciprocal tariffs, the Dow Jones Industrial Average, S&P 500, and Nasdaq Composite logged their largest single-day nominal point gains in their respective histories. The Dow gained 2,963 points (its 19th-largest percentage increase in history), the S&P 500 soared 474 points (tied for the eighth-biggest move up on a percentage basis), and the Nasdaq Composite tacked on 1,857 points (its second-largest percentage gain since inception).
Although history shows that investors might take a few days or weeks to digest such a large move in equities, outsized single-session gains have been a harbinger of green arrows for stocks since 1980.
As you'll note in the post below on social media platform X from Carson Group's Chief Market Strategist Ryan Detrick, April 9 was a truly historic day for optimism on Wall Street. It marked only the seventh times in the last 45 years that New York Stock Exchange (NYSE) advancing volume (i.e., share volume tied to stocks that rose during the session as a percentage of total NYSE volume) topped 97%. In fact, the 98.6% advancing volume for the NYSE on April 9 was the highest on record, dating back to 1980.
Although future returns for the S&P 500 one month later are somewhat mixed, the bulls absolutely run wild when looking out 12 months following these historic up days. All six prior instances where the NYSE had at least 97% advancing volume since 1980 were followed by double-digit percentage gains in the S&P 500 one year later.
To build on this point, the stock market didn't just fall in line with its historic long-term return average after these rare up days. The average 12-month gain was 29.2%, which is more than triple its average annual return of 9.2% since 1950. This is to say that outsized advancing volume days on the NYSE have, without fail, acted as a green light for stocks to rocket higher over the last 45 years.
Keep in mind this strong correlation between historic up days for the stock market and future S&P 500 returns doesn't concretely guarantee the benchmark index will be higher 12 months from now. As noted, the Shiller P/E is trading at a premium valuation, and the market has never bottomed with a Shiller P/E north of 30.
But thanks to the nonlinearity of stock market cycles, patience has a way of paying off handsomely for long-term investors. Even if tariff- and valuation-related uncertainty whipsaws equities for months to come, the long-term expansion of the U.S. economy, and the ability for time-tested businesses to take advantage of long-winded periods of economic growth, should eventually lift the Dow, S&P 500, and Nasdaq to new heights.
JPMorgan Chase Is Suing More Customers Allegedly Tied to the Viral 'Infinite Money Glitch' Scam
JPMorgan Chase is suing more customers who allegedly used an 'infinite money glitch' to defraud the bank of money last year.
Saw this online
If China were to dump its entire $760.8 billion in U.S. Treasury securities at once, the consequences would ripple across global financial markets. Here's a breakdown:
1. Immediate Market Disruption
- Bond Prices Drop, Yields Spike: A flood of Treasuries would drive down bond prices, pushing yields (e.g., 10-year Treasury at 4.592%) significantly higher, possibly to 5% or more.
- Liquidity Strain: The Treasury market could face liquidity issues, especially during low-volume trading, amplifying volatility.
- Global Market Shock: Higher U.S. yields would raise global borrowing costs, potentially causing stock market declines and higher corporate bond yields.
2. Impact on U.S. Economy
- Higher Borrowing Costs: Increased yields would raise costs for the U.S. to finance its $34 trillion debt, adding billions to interest payments.
- Economic Slowdown: Higher rates would increase costs for consumers and businesses, potentially slowing growth or triggering a recession.
- Dollar Weakening: Selling Treasuries could weaken the dollar, raising import prices and inflation but boosting exports.
3. Impact on China
- Self-Inflicted Losses: Selling at depressed prices would erode the value of China's $3 trillion reserves.
- Yuan Pressure: Converting dollars to yuan could strengthen the yuan, hurting China's export competitiveness.
- Limited Alternatives: No other asset matches Treasuries for liquidity and security.
4. Geopolitical and Strategic Considerations
- Retaliation Risks: A dump could be seen as economic warfare, prompting U.S. sanctions or restrictions.
- Global Confidence in Dollar: It might dent dollar confidence, but the dollar's reserve status would likely persist due to lack of alternatives.
- BRICS and De-Dollarization: It could align with long-term de-dollarization efforts, but not immediately.
5. Mitigating Factors
- Market Absorption: China's holdings are less than 3% of the $32 trillion Treasury market, and domestic or foreign buyers could absorb supply at higher yields.
- Federal Reserve Response: The Fed could buy Treasuries to stabilize yields, though this risks inflation.
- Historical Precedent: China's gradual reduction from $1.317 trillion (2013) to $760.8 billion has not caused major disruptions.
6. Why China Is Unlikely to Dump All at Once
- Economic Suicide: It would harm China more, devaluing its assets and economy.
- Strategic Restraint: China adjusts holdings for economic reasons, not as a weapon.
- Trade Surplus Needs: China's $25 billion monthly U.S. trade surplus requires dollar assets like Treasuries.
Conclusion: A sudden dump would cause market turbulence, spike U.S. borrowing costs, and slow growth, but the U.S. economy would likely avoid collapse due to market depth and Fed intervention. **China would face severe self-inflicted damage,** making this improbable absent extreme geopolitical escalation. Gradual sales are more likely, as seen historically.
Projections, blaming others and deflections... anyone surprised?
We will revisit those lows. China is not backing down and we have no leadership in the white house.
SPY is only $7 away from where it was when the pause was announced.
Considering the other 2 branches have abdicated their power to the executive branch, this might be a problem.
Here’s an anecdote: the Hispanic folks are back at Home Depot.
Why bring dems in this? What can they do? Couple months ago you were more concerned about boys playing girl sports.
Who brought the Democrats up?
My bad read it wrong
Its approaching 7 years since I've had my car. At the closing the salesman implored me to pay the $7500 for an imaginary product that still doesn't exist. That's not point of my post. My point is that there are people who did purchase FSB and they're still holding out hope.
When I think of transsexuals, I think of the Black Women who are being murdered without justice ever being served. I don't think I've ever pretended to care about the sports angle.
We are a people. We are African. You can't divide me from my people.
Tomorrow, they'll try to sell investors on robo taxi, FSD and the robot, I hope they fail.
Do you buy at 130?
This foolishness must cease, and genuine leadership must emerge from both parties. It is imperative that they engage in real dialogue about removing him and his cronies from office.
You know they say, “Man repeats history.” We have the Olympics in 2028 in Los Angeles. We know how that turned out for Germany in 1936, with his fascist leadership. How will that turn out for America in 2028, with his fascist leadership?
I just laugh at this point, man. They (the shareholders, Tesla fans) want to be fooled and lied to. It's funny af.