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CecilShortsHisPants
| Favorite team: | New Orleans Pelicans |
| Location: | One Foty Fo uh uh Magnolia Screet |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 3879 |
| Registered on: | 10/8/2012 |
| Online Status: | Not Online |
Recent Posts
Message
re: How much did you pay for your 1st vehicle and in what year?
Posted by CecilShortsHisPants on 7/2/26 at 10:16 pm to Everyday Is Saturday
Chevy S-10, less than $2k for sure
re: Any reason to own small-cap fund and mid-cap fund if you already have a total market fund?
Posted by CecilShortsHisPants on 7/2/26 at 9:15 pm to meeple
quote:
About 15% of my 401k is in small/mid cap. Is it time to transfer out of that into large cap?
That’s entirely a personal question. Small/mids offer more upside with greater risk.
FWIW, I’m 37, and 100% of my 401k is an S&P fund
re: Any reason to own small-cap fund and mid-cap fund if you already have a total market fund?
Posted by CecilShortsHisPants on 7/2/26 at 8:52 pm to bayoubengals88
quote:
Small to mid cap (SMID) is for stock picking
This
Most small caps get absoultely wrecked when things turn sour, which is due any moment now
re: Your top five dividend stocks or ETF's
Posted by CecilShortsHisPants on 7/1/26 at 9:25 pm to PSS101
Dividends are for suckers
re: Should I consolidate my VOO, VGT, and VUG holdings into a single ETF?
Posted by CecilShortsHisPants on 6/23/26 at 5:47 pm to weagle1999
quote:
I don’t know how to do this
Google it. “How to sell covered calls” on whatever brokerage you use. It’s not as complicated as it seems.
The hook for me was years ago, some guy on youtube described selling options as being the casino for option gamblers. And he was right.
It works especially well with index options because the S&P isn’t going to run 20% up on you in a month, it just doesn’t happen. (Granted, the premiums are slim, but that’s what you’re going for, just a little extra juice) I’ve been collecting modest premiums on top for years and never got my shares called away.
re: Should I consolidate my VOO, VGT, and VUG holdings into a single ETF?
Posted by CecilShortsHisPants on 6/22/26 at 3:36 pm to weagle1999
If you have enough for 100 shares of VOO, consolidate and sell conservative covered calls. Just enough to get you S&P return plus 1-3% annualized.
That’s what I do anyway
That’s what I do anyway
re: Salesforce (CRM)
Posted by CecilShortsHisPants on 6/17/26 at 8:58 pm to SlowFlowPro
quote:
You can vibe code a solid CRM in about an hour. Once its coded, you don't have to worry about token costs.
I’ll admit, I’m not experienced in that area. I just keep going back to if it’s really that easy to disrupt Salesforce, why are they still growing and guiding for 10% annual? It feels like Salesforce has a higher value proposition than AI can offer their customers.
I just see a strong business that is extremely oversold, given the metrics. Could it turn like the market is betting? Sure
re: Salesforce (CRM)
Posted by CecilShortsHisPants on 6/17/26 at 7:47 pm to djrunner
Using AI for CRM sounds great, but it will come with a price. (It might be free, or relatively cheap now, but these LLM providers will eventually need to make money too, LOTS of it)
The biggest question to me is this: Will there be more value in paying for AI or just paying for Salesforce?
I’m betting on Salesforce. Maybe I’m wrong, but the profits and guidance are still strong today, that’s a fact.
The biggest question to me is this: Will there be more value in paying for AI or just paying for Salesforce?
I’m betting on Salesforce. Maybe I’m wrong, but the profits and guidance are still strong today, that’s a fact.
re: Admins please delete
Posted by CecilShortsHisPants on 6/16/26 at 2:11 pm to el Gaucho
quote:
Do the class I want to learn
1st homework assignment is free on page 1 :cheers:
re: Software Stocks Plunge
Posted by CecilShortsHisPants on 6/11/26 at 6:36 pm to LSUcam7
It’s hard to double down on Adobe again, but I feel like I have to. It’s just math at this point, that’s it
re: NBA Finals Game 4 Thread: SA Spurs @ NYK (Wed 6/10/26 7:30pm CST)
Posted by CecilShortsHisPants on 6/10/26 at 10:24 pm to theballguy
Crazy thing is if Spurs didn’t choke 3 games, it could easily be a series sweep
re: Space X IPO question
Posted by CecilShortsHisPants on 6/9/26 at 8:41 pm to Tomcat
IPOs are for suckers. There are plenty of them out there, don’t be one
re: S&P500 doesn't change rules for AI companies
Posted by CecilShortsHisPants on 6/6/26 at 1:48 am to Everyday Is Saturday
quote:. Because I’m 37 and 100% of my 401k is an S&P index fund :dunno:
Why?
re: S&P500 doesn't change rules for AI companies
Posted by CecilShortsHisPants on 6/5/26 at 10:32 pm to UltimaParadox
My entire retirement relies on the strength of the S&P. Good on them
re: Parents of college students - student loans
Posted by CecilShortsHisPants on 6/5/26 at 5:09 am to wiltznucs
quote:
The interest rates are also insane. What you considered credit card levels of interest just a few years ago are student loan rates today.
I found this interesting, so I did a quick search. Turns out student loan rates are around 6-8% (similar to an auto loan, which is fair) while CC rates generally exceed 15%.
Not suggesting taking on debt early is ever a good idea, but am I missing something?
re: Space X IPO, what are we doing? Baron interview worth the listen
Posted by CecilShortsHisPants on 6/2/26 at 9:18 pm to Covingtontiger77
Like most huge IPOs, this will likely be a major flop. I’m also perfectly fine missing out if not
re: MSFT, AMZN, GOOG
Posted by CecilShortsHisPants on 6/2/26 at 5:25 pm to Sabans straw hat
I have pretty nice positions in all 3. These always seem to take turns based on nothing more than what’s hot. Google was left for dead before this rally, I’ve been told Microsoft is trash many times over the years. Amazon is the one that kinda lurks in the back, but always has a foot in everything. Over the next 5 years, each of these 3 will probably be “the best company in the world” at some point
re: Sell MGM?
Posted by CecilShortsHisPants on 6/1/26 at 8:27 pm to TX_Tiger23
Ah, well excuse my ignorance. I don’t follow the entertainment industry too closely
re: Sell MGM?
Posted by CecilShortsHisPants on 6/1/26 at 7:48 pm to Civildawg
Is it bad that I’ve owned Amazon for about a decade and had no idea they owned MGM? :lol:
re: When do you take profits and/or reallocate positions?
Posted by CecilShortsHisPants on 6/1/26 at 7:00 pm to bayoubengals88
quote:
Sell covered calls for a strike price that brings a smile to your face currently.
Bingo. I’ve got 2 AMD 500s that I will happily part with. Then I’ll sell puts on Meta or Microsoft
re: When do you take profits and/or reallocate positions?
Posted by CecilShortsHisPants on 6/1/26 at 6:57 pm to Snoopy04
When I no longer see the value, I’m out. Could be weeks, months, years or decades. There’s no science
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