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StreamsOfWhiskey
| Favorite team: | Texas A&M  |
| Location: | The Woodlands, TX |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 892 |
| Registered on: | 6/27/2013 |
| Online Status: | Not Online |
Recent Posts
Message
re: Age 50 catch up rule change
Posted by StreamsOfWhiskey on 4/18/26 at 6:46 pm to TigerLord2020
At 50 plus, you need to make sure all your wealth is not tied up in pre-tax accounts. I’m 53 and I’ve been contributing to a Roth 401k for at least the last three years.
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re: Forbes’ “New Ivies” Public and Private Universities, 2026
Posted by StreamsOfWhiskey on 4/16/26 at 8:10 am to CatfishJohn
Genius! Let’s take a few examples and extrapolate that out to an entire population! Is there nowhere free from comments like yours, particularly in a thread about education?
re: Forbes’ “New Ivies” Public and Private Universities, 2026
Posted by StreamsOfWhiskey on 4/16/26 at 6:35 am to dallastiger55
I have one daughter graduating from BYU and my other daughter starting in August. My graduating daughter got out of college with an excellent job from an accounting program rated in the top five in the country and graduated with no college debt. She paid ~$6k/year to attend. I picked up her living expenses but she was on the hook for books and tuition.
Some people lose their minds when it comes to undergrad degrees. My boss sent her daughter to Georgetown. I want my kids to get a quality education, but they’re sensible enough to not pay $300k for it.
There are good schools out there that still offer value for the education dollar but you will have to check your ego at the door.
Some people lose their minds when it comes to undergrad degrees. My boss sent her daughter to Georgetown. I want my kids to get a quality education, but they’re sensible enough to not pay $300k for it.
There are good schools out there that still offer value for the education dollar but you will have to check your ego at the door.
re: Retirement at 62 and Insurance/medication costs
Posted by StreamsOfWhiskey on 4/16/26 at 6:18 am to Amblin
Following. I’m a Type 1 retiring soon at age of 54.
re: Forbes’ “New Ivies” Public and Private Universities, 2026
Posted by StreamsOfWhiskey on 4/16/26 at 6:11 am to Old School Tex
I went to Rice for grad school. Hard to imagine anyone in the actual Ivy League being too much smarter than some of the folks at Rice.
re: Why movie theaters are failing. Yes, Hollywood is making mostly trash, but that's not all.
Posted by StreamsOfWhiskey on 4/14/26 at 12:20 pm to SouthEasternKaiju
I stopped going to the theatre to see movies based off my last visit. I'm sitting there with the wife - we're both horror movie fans - and these punk arse kids are on their phone laughing and giggling, texting, etc. Their phones light up theatre. You can't hear the movie because of the giggling. We moved seats, but I told myself my days of paying for movies at the theatre are over.
re: Nebius - NBIS - AI Infrastructure Company
Posted by StreamsOfWhiskey on 4/14/26 at 7:59 am to Swamp puppy
Yes, you could do that but this is why I keep my rainy day funds separate from my trading account (even though their held within the same ML account). I'd hate to have to pay a s-t capital gain tax on an equity sale because I was too illiquid to pay for a car repair. To each their own, but this is how I think.
re: Nebius - NBIS - AI Infrastructure Company
Posted by StreamsOfWhiskey on 4/14/26 at 7:56 am to bayoubengals88
This is a good suggestion. Much thanks!
re: Nebius - NBIS - AI Infrastructure Company
Posted by StreamsOfWhiskey on 4/14/26 at 7:12 am to Jax-Tiger
This is definitely helpful. Thank you.
I do have a small stake. For a long time, my trading account had no more than $100k in it and I chose what stocks I wanted to hold. I also held my "rainy day" fund in that account, but I did not trade with that money. I simply invested it in TMCXX and left it alone. The trading account held about $100k in equities but I got tired of the ups and downs and finally turned that over to my FA and told him to invest it where he saw fit. My performance over the years was not terrible, but it wasn't great. I may have just done better going with SPYM or VOO. I do like picking my own stocks, but I dedicate very little of my net worth to it. Financial advisors manage the rest of my money.
So yes, I have a very small stake in NBIS but I think I'm going to dip in a little further thanks to this thread. $246,000 is a lot of cash and I'm having a hard time fathoming any sort of rainy day that would require such a haul; hence, I'll take some out and try my hand in a few equities.
This one has been a winner for me thanks to you all. My 30 shares are held at an average price of $71.56 so I'm up about ~$2500 or ~116% in a very short while.
I do have a small stake. For a long time, my trading account had no more than $100k in it and I chose what stocks I wanted to hold. I also held my "rainy day" fund in that account, but I did not trade with that money. I simply invested it in TMCXX and left it alone. The trading account held about $100k in equities but I got tired of the ups and downs and finally turned that over to my FA and told him to invest it where he saw fit. My performance over the years was not terrible, but it wasn't great. I may have just done better going with SPYM or VOO. I do like picking my own stocks, but I dedicate very little of my net worth to it. Financial advisors manage the rest of my money.
So yes, I have a very small stake in NBIS but I think I'm going to dip in a little further thanks to this thread. $246,000 is a lot of cash and I'm having a hard time fathoming any sort of rainy day that would require such a haul; hence, I'll take some out and try my hand in a few equities.
This one has been a winner for me thanks to you all. My 30 shares are held at an average price of $71.56 so I'm up about ~$2500 or ~116% in a very short while.
re: Nebius - NBIS - AI Infrastructure Company
Posted by StreamsOfWhiskey on 4/13/26 at 7:39 pm to NaturalBeam
Fair point. I was really asking what other equities you all liked and was trying to give an idea of how much I was looking to invest. If I had $1000 only the advice may have been different than if I had $100k to invest.
re: Nebius - NBIS - AI Infrastructure Company
Posted by StreamsOfWhiskey on 4/13/26 at 3:48 pm to Jax-Tiger
Thank you for the response. I'll continue to keep about $150k on the side for rainy day issues, but $100k I'm willing to put into the market. I like to hold for at least 3-5 years. Good to see the confidence some of you have in this stock.
re: Nebius - NBIS - AI Infrastructure Company
Posted by StreamsOfWhiskey on 4/13/26 at 1:54 pm to Merica
I'm planning on pulling the trigger next June...
My comment was not meant as a subtle brag, but more just trying to head off lectures about how I shouldn't be sitting in cash and that I should stay invested over the long term. Facts are, I keep a decent amount in cash for rainy day things like car repairs, new roof, emergencies, etc.
My comment was not meant as a subtle brag, but more just trying to head off lectures about how I shouldn't be sitting in cash and that I should stay invested over the long term. Facts are, I keep a decent amount in cash for rainy day things like car repairs, new roof, emergencies, etc.
re: Certified Financial Planner -- Useful?
Posted by StreamsOfWhiskey on 4/13/26 at 12:51 pm to Zachary
To me a CFP is needed under certain circumstances. I wouldn't have one if I was 30 years old, but I'd definitely have one if I was within a year of retiring like I am now. Yes you'll pay fees, but unless you want to spend a portion of your retirement in tax policy, a CFP can help you navigate the landscape and minimize your tax outflow.
It's not to say that it can't be managed without one, but it does make it easier.
It's not to say that it can't be managed without one, but it does make it easier.
re: Nebius - NBIS - AI Infrastructure Company
Posted by StreamsOfWhiskey on 4/13/26 at 12:48 pm to Civildawg
I'm sitting on about $250k in cash right now (less than 5 percent of my overall portfolio so not a lot) and I'd like to deploy $100k in some equities. I hold NBIS but not a huge position - about 30 shares. Who among you would be adding at these levels? What else should I consider right now? Would like to hear some suggestions. Thanks.
re: Aggie with Horn kin ashamed of the fans.....
Posted by StreamsOfWhiskey on 4/12/26 at 10:41 am to AGGIES
Do we really believe Schloss took a dive in the CWS to benefit Texas? I’m either way off but this reality seems implied in several posts. I have no doubt he’s a loathsome human being, but I find it very hard to imagine achieving something so difficult as to reach the last few games of the CWS and taking a dive because you’re soon to be coaching a rival. Facts are, Schloss or any coach would be much better served winning that game than losing it. From an “invisible hand” perspective, can’t imagine taking a dive would be rational behavior, no matter the circumstances.
re: Holly Rowe was zoomin
Posted by StreamsOfWhiskey on 4/5/26 at 12:17 pm to goldenmoment
I had no idea she’s LDS. Count me as a fan.
re: Chernobyl HBO
Posted by StreamsOfWhiskey on 4/4/26 at 6:20 pm to Tempratt
I saw it and consider it to be one of the better things I’ve watched in the last 10 years. I’d highly recommend it.
re: M/TV March Madness Tournament: Best Horror Movie of All Time: NOMINATION ROUND
Posted by StreamsOfWhiskey on 4/4/26 at 6:18 pm to Decatur
I’ll throw a vote in for The VVitch.
re: M/TV March Madness Tournament: Best Horror Movie of All Time: NOMINATION ROUND
Posted by StreamsOfWhiskey on 4/3/26 at 5:43 pm to The Godfather
Well in that case, I’ll throw a vote in as well for Hereditary, The Shining, The Menu and Oculus. Seven strikes me more as a thriller, but if it’s a horror, Seven is quality.
re: Two years in a row, I’ve gotten screwed on my 401(k).
Posted by StreamsOfWhiskey on 4/3/26 at 5:31 pm to mule74
I do a set percentage once I know what my bonus is going to be that takes from every paycheck sufficient to hit the $80,000 maximum allowed this year (with catch up). I’d recommend you do the same.
For me 15 percent out of each paycheck including the bonus paycheck gets me to $80,000 (with employer match).
For me 15 percent out of each paycheck including the bonus paycheck gets me to $80,000 (with employer match).
re: Nate Oats is engaged!
Posted by StreamsOfWhiskey on 4/3/26 at 5:04 pm to lsu711
Dang, this thread is gold! From the OP’s tongue-in-cheek “congrats” to the commentary that followed. Well done, gentlemen. Well done!
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