Posts
Questions about the W8 form
Hi, here are my understandings of the tax implications of the W8 certification: (1) If I am residing in Canada and I hold US stocks via E-trade, then I have to fill in the W8 form. (2) By filling in the W8 form, the E-trade administration will report my asset …
Self storage = recession play?
I’ve heard a few times over the years about how self storage is a good play / investment during recessions. Something about how when times are good, wealthy people use them to store extra stuff they “want to” and when times are bad and people forced to downsize they tend …
Should you trust a Schwab financial consultant when no fiduciary duty applies?
I realize that Schwab consultants are probably highly motivated to maximize AUM, so of course they would prefer that cash be invested in a managed account rather than sitting as cash in a non-managed account. So when a financial consultant calls up and suggests that an elderly retiree move at …
Made a compound interest calc cause I didn't like the public ones I found.
Built a compound interest calculator that simulates real market volatility instead of assuming steady returns. It shows you how your investments might actually perform through Monte Carlo simulations rather than just the idealized math. Check it out and let me know what you think: [https://compound-interest.net](https://compound-interest.net) Any feedback is greatly appreciated!
Apple leads a drop in tech stocks after Trump tariff announcement
Tech stocks fell in late trading Wednesday after President Donald Trump announced new tariffs of between 10% and 49% on imported goods. Apple had the largest drop among technology companies, falling nearly 6% in extended trading. https://www.cnbc.com/2025/04/02/-apple-leads-drop-in-tech-stocks-after-trump-tariff-announcement.html
US Senate passed bill by slim margin in a 51-48 vote to block Trump's tariffs on imports from Canada
Bill passed 30 minutes ago, as 4 Republicans cross the floor to vote with Democrats to pass a bill that would remove import tariffs on Canadian goods. Now it would go to the House. If it passes the House, Trump will probably veto it, which would need 2/3 of Congress …
What is the timing for an online trade with Schwab/Vanguard?
(Have already anxiety-sold quite a lot in early Feb as I am nearing retirement, but want to know...) Markets close. You log onto your Schwab/Vang account. You execute a sell or trade. And...? I am confused about the timing of the actual execution of the trade determining fund price. Can …
The Market Doesn't Reward Patient Investors, It Rewards Present Ones
One of the most deceptive characteristics of equity markets is the extreme concentration of returns. While long term charts display smooth upward trajectories, the reality is that substantial gains often materialize in brief, unpredictable bursts amid extended periods of stagnation or decline. According to a BlackRock analysis of S&P 500 …
Anyone putting in some extra money on top of their DCA yet?
The pre-market is looking pretty brutal so I’m sure we’re in for a fun day tomorrow. Is everyone continuing to DCA as planned or is anyone waiting on the sidelines right now? Some “experts” say it’s gonna keep going down all year and others think it will be short lived, …