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Congrats to her, I'm still having to use an offshore book here in SC.
Well my wife had all 3 winners this year in the Triple Crown. I did have the exacta in the Belmont with Soverenity and Journalism. NC still won't allow online betting though I can bet on just about everything else.
The Berkshire boards are pretty much dead too.
Have all of IHUB's horse racing boards gone dead?
Maybe the unwashed masses are finally understanding the truly awful math. The facts are out there. "I had $28 in bets and won $9.80 back." Sounds about normal.
Old age is cruel !!!! 🤯. GN .... Happy Weds. 🤣
Not yet, besides the usual suspects :)
I hope you mean the Belmont?
Any sons of Secretariat running?
Any Preakness favorite(s) yet ? 🍀
LOL, I hear ya. I had $28 in bets and won $9.80 back.
Hey Sandman is improving with each race.
Journalism 🥇
Sounds good to me. :)
I'm going with the number 2 and 7.
Added two more smalls to win on the #7 and the #1
Looking for a good longshot too lol
Who do you guys like?
Going with the #2 for the win today and a 2 7 1 trifecta box.
GL.
I hear ya! I had him in one bet also.
Good race ! On to Preakness Hoof Fans ! 🏇
Sandman horse name, explained: How rock band Metallica, Mariano Rivera inspired moniker for Kentucky Derby racer
Daniel Chavkin
May 3, 2025
3:20 am EDT
https://www.sportingnews.com/us/horse-racing/news/sandman-horse-name-kentucky-derby-metallica-mariano-rivera/9438900e0a723bbcdedc4c8e
Thanks to Eli for posting this.
Sandman horse name, explained
Sandman has one of the most familiar names of the horses running in this year's Kentucky Derby, as it has both a sports and music connection.
Jonathan Green, one of Sandman's owners, is a big fan of Hall-of-Fame Yankees closer Mariano Rivera, who famously used "Enter Sandman" when he entered games. Green named the horse Sandman with the hope that the horse can close races like Rivera closed games.
While the horse wasn't directly named for the hit Metallica song, that hasn't stopped the band from supporting the horse. Leading up to the race, the band provided Sandman's team with merchandise.
Nice, congrats Pete.
My wife ended up picking the winner as well as the horse that came in second.
Had to add a small on Bob Bafferts horse to win...
Volpe is way over thinking routine double plays. He needs to break it down.
Field the ball
Make the transfer
Get the out at second
Then get the out at first.
Twice in one week he has booted the play at the start.
I ended up with #15 to show at 15/1... #18 to win at 5/1 and a # 8/17 exacta box.
GL.
Portillos was just mentioned in Omaha.
Couple of scratches this morning.
2025 Kentucky Derby horses and odds
Odds as of 10:50 a.m. ET on Saturday, May 3, according to KentuckyDerby.com
No. 1: Citizen Bull | Odds: 13-1
No. 2: Neoequos | Odds: 40-1
No. 3: Final Gambit | Odds: 15-1
No. 4: Rodriguez | SCRATCHED
No. 5: American Promise | Odds: 12-1
No. 6: Admire Daytona | Odds: 35-1
No. 7: Luxor Cafe | Odds: 9-1
No. 8: Journalism | Odds: 7-2
No. 9: Burnham Square | Odds: 16-1
No. 10: Grande | SCRATCHED
No. 11: Flying Mohawk | Odds: 30-1
No. 12: East Avenue | Odds: 37-1
No. 13: Publisher | Odds: 30-1
No. 14: Tiztastic | Odds: 20-1
No. 15: Render Judgment | Odds: 15-1
No. 16: Coal Battle | Odds: 24-1
No. 17: Sandman | Odds: 5-1
No. 18: Sovereignty | Odds: 9-1
No. 19: Chunk of Gold | Odds: 28-1
No. 20: Owen Almighty | Odds: 39-1
No. 21:Baeza | Odds: 18-1
As Yankee fan I am forced to go with Sandman. Which was Mariano Rivera's walk on music when he came out of the bullpen to end the game.
GM, EZ. Thanks for your input. I made a small wager to show on Render Judgement, just because the horse is owned by the late great Toby Keith's family, and he always wanted a horse to run in the Derby.
I'm going to do a couple more later.
Have a great day!
GM boys ~~ Happy (Sloppy) Derby Day !
Track conditions and weather may impact this race..... just never know. But, a good horse is a good horse....and usually will shine!With that being said: Journalism
Enjoy !!! 😊
Hey EZ and Pete, who do we like in the Derby?
You ended up winning the tournament. Started converting the IRA to a Roth and decided to manage the Roth myself. Been rainy and cool here and have 3 bags of Weed and Feed to put out once the rain stops. $65 a bag but bought it before the tariff wars kicked in.
Nice picks in the Masters. But Rose won't be wearing the jacket on Sunday.
DUK and ED are having amazing runs right now. And started the RMDs this week. I'll text you the details. It ain't 4%. lol.
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March Madness Time to get your picks in
https://tournament.fantasysports.yahoo.com/mens-basketball-bracket/group/61227
IU got screwed !!!
I reduced the stock amount by 20% to something more manageable when I moved the 401K 2 weeks ago. I start RMDs this year which once affect us tax wise. But I need to start reducing the wife's IRA now and converting it to Roths since she still has 6 years before RMDs kick in. I'm thinking $40K a year and that will help but I should have changed her 401K to a Roth. a couple of years ago.
My old Jones IR used to share that in his retirement pitches. Not sure it's gospel for everyone..... but personally, been following the rule pretty closely. Sadly, as you'll now see, RMD can cause some headaches.... both short / long term planning. One regret here is I loafed too long moving to ROTH(s). Now paying the pauper !
Last week I attended a bond webinar an d they mentioned the 120 Rule.
What Is the 120-Age Investment Rule?
The 120-age investment rule states that a healthy investing approach means subtracting your age from 120 and using the result as the percentage of your investment dollars in stocks and other equity investments. Any remainder should become investments in low-risk assets, including certificates of deposit (CDs), bonds, Treasury bills and fixed annuities.
For example, if you’re 30 years old, subtracting your age from 120 gives you 90. Therefore, you would invest 90% of your retirement money in stocks and 10% into more consistent financial instruments. This rule creates a portfolio that gradually carries less risk.
On the other hand, if you’re 75, the rule’s formula gives you 45. So, you’d have 45% of your portfolio in stocks and the rest elsewhere.
ELTP Merger Acquisition or Uplisting to NASDAQ Imminent
https://elite.irpass.com/Profiles/Investor/Investor.asp?BzID=2258&from=du&ID=77912&myID=16024&L=I&Validate=4
Recently I paid a young lawyer from down the street about $1,500 to do a new will and trust from scratch.
That is about what I paid for both the will and trust. He is an old time lawyer here in NC that is well published and highly regarded. He does seminars on wills and trusts at local businesses but the will and trust business is not his primary source of business. At his age it's more like a hobby informing people of why they should have a will, a living will and POA for financial affairs. For the living will and POA he could have done those as well and charges us; but sent us to a NFP that runs one day seminars and at the end you fill out both and they provided the Notary as well. And you and your spouse each need both and in our case our son is also named to act on our behalf.
It was my wife who nagged me about getting the will and trust set up 9 years ago.
As for your kids let them get their own wills and asset protection.
You should do a proper estate plan. Mine was a very simple one I did for myself and my wife maybe 30 years ago. Recently I paid a young lawyer from down the street about $1,500 to do a new will and trust from scratch. Glad I did,
Many things had changed in our state since I went to law school. So it was a fair amount of work; I proof-read everything four or five times. Read a number of law review articles online. The lawyer provided several witnesses and a notary who came to our our house for the signing. His charge for his services was only about $1,500. The documents were about 70 pages long. Of course it was pretty simple as we have no kids to look after anymore. "
Next step, getting wills and asset protection for my kids.
You should do a proper estate plan. Mine was a very simple one I did for myself and my wife maybe 30 years ago. Recently I paid a young lawyer from down the street about $1,500 to do a new will and trust from scratch. Glad I did,
Many things had changed in our state since I went to law school. So it was a fair amount of work; I proof-read everything four or five times. Read a number of law review articles online. The lawyer provided several witnesses and a notary who came to our our house for the signing. His charge for his services was only about $1,500. The documents were about 70 pages long. Of course it was pretty simple as we have no kids to look after anymore.
Next step, getting wills and asset protection for my kids.
Yeah I was getting an envelope from Fisher every 6 months so I finally mailed back the card to get their investment books. Then I got to meet with them over a Zoom call. I really didn't care for their attitude about my not having a saying in what they were investing in where on the other hand Fidelity had spent several calls and meetings with us going over what our goals were etc.
Fisher's gaudy gold leaf stationery always turned me off. Some of those huge mailers must have cost them $25. Seems Fisher has discontinued that approach to advertising as I hear nothing from them anymore.
"My fees are less than 1% for 2024." I get an email confirm of all the trades they make."
I wondered whether they did that.
Of course they have to send me an email with a link to the trades they made on our behalf. They are not a broker but a financial advisor with a fiduciary responsibility to adhere to our plan on file.
View your Retirement Planning Report now
This report is based on information you provided during your recent Retirement Planning session and reflects the plan details you modeled.
Our son is a beneficiary on all the accounts and Fidelity has a POA on file to discuss them with him in an event where we become incapacitated. Actually the POAs were set up several years ago when my wife nagged me about having a will. lol.
I get monthly statements from Fidelity that details all activity for the month along with a year end statement for tax purposes. All the fees paid are offset by any funds that Fidelity manages.
The reason I choose Fidelity was because I'm 6 years older than my wife and they have a local office 20 minutes from our house. I looked at Vanguard but their closest office is over an hour away. I looked at Fisher Investments and they wanted the keys to the kingdom and their CEO is an asshole.
When I first retired I was with a local firm and they sucked. He said well if you don't like it I'll help you move the accounts. I didn't need his help and moved them in a week.
And my rule of thumb, don't take investment advice from anonymous message board posters.
"My fees are less than 1% for 2024." I get an email confirm of all the trades they make."
I wondered whether they did that. You should CC your son on all such notices. Most misuse of such occurs when a client dies or becomes incapacitated. What happens if the broker changes so that some greedy kid is churning your stocks? The worst account misuse occurs when management changes, often upon a death.
You should also get a simple to understand annual statement stating annual portfolio turnover. Low turnover is usually a good sign.
"I once looked up Robert KIYOSAKI's credentials; he has almost none." His college was the US Merchant Marine Academy. Never heard of anyone going there. Starting salaries there are quite high tho.
My fees are less than 1% for 2024. It will be lower in 1q2025 with the addition of last 401K account they didn't manage. I get an email confirm of all the trades they make. They are seldom during the month. Just had our year end review yesterday and I'm a happy camper.
This year the IRS gets a birthday present from me as the RMD starts for me. They'll get one from the wife since we're converting $40K of her IRA to a Roth. She has 6 years before her RMD starts.
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Today's large cap can quickly become tomorrow's small cap or vice versa. That said all stocks are fair game here except pinks.
What size is "small"? There are many definitions. Some people define a small public company as one with a market cap under $1 billion. Others define small cap as under $2 billion. And there are yet other definitions. Over the last two decades the word "small" has come to mean larger and larger companies! To confuse matters, NASDAQ's small cap market system continues to list truly small public companies, many of which would be classified as nano-cap by the definitions, below. Here are some current definitions from Investopedia and Investor Words.
Market Cap Investopedia Investor Words
Mega-Cap over $200 billion over $250 billion
Large-Cap $10 billion - $200 billion. $5 billion - $250 billion
Mid-Cap $2 billion - $10 billion $1 billion - $5 billion
Small-Cap $300 million - $2 billion $250 million - $1 billion
Micro-Cap $50 million - $300 million under 250 million
Nano-Cap under $50 million --
Some T/A sites:
http://www.americanbulls.com/
http://www.stockta.com/
http://www.stockconsultant.com./
A screener that may be useful:
http://moneycentral.msn.com/investor/finder/deluxestockscreen.aspx?query=Institutional+Ownership+Up+....
http://www.secform4.com/index.php
Please- No Pink Sheet Stocks on the board and don't disparage others and their trading. Thank you!
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