From: punditster@gmail.com
On 2/19/2026 7:21 AM, Noah Sombrero wrote:
> On Wed, 18 Feb 2026 21:47:36 -0800, Dude wrote:
>
>> On 2/18/2026 9:10 PM, Noah Sombrero wrote:
>>> On Wed, 18 Feb 2026 18:37:32 -0800, Dude wrote:
>>>
>>>> On 2/18/2026 5:26 PM, Noah Sombrero wrote:
>>>>> On Wed, 18 Feb 2026 16:10:33 -0800, Dude wrote:
>>>>>
>>>>>> On 2/18/2026 3:02 PM, Noah Sombrero wrote:
>>>>>>> On Wed, 18 Feb 2026 13:43:45 -0800, Dude wrote:
>>>>>>>
>>>>>>>> If you had recognized Apple's potential 30 years ago and invested
>>>>>>>> $10,000 in its stock, you'd be a multimillionaire today with about
$6.9
>>>>>>>> million, if you'd reinvested dividends.
>>>>>>>
>>>>>>> Total incitement to fantasy. The invitation is to imagine that apple
>>>>>>> performance will be something like that in the next 30 years. 30
>>>>>>> years ago you could have bought it at the bottom of its curve. Now
>>>>>>> your task is to do whatever is necessary to resist the temptation to
>>>>>>> buy at the top of its curve. Grit your teeth and stamp if necessary.
>>>>>>>
>>>>>>> The other invitation is to imagine that there is now some stock at the
>>>>>>> bottom of such a 30 year curve. Sit in a dark corner and confess to
>>>>>>> yourself that you have no idea which stock that is, if any. And how
>>>>>>> old are you now? Something like me? No, you do not need to make a 30
>>>>>>> year bet. You should have done that 50 years ago, if you had a
>>>>>>> message from god telling you all about apple.
>>>>>>>
>>>>>>> 10 thou in 1955 would be worth about 21 thou now. If you had 21,000
>>>>>>> now should you invest it in some wild hair up your ass chance? No,
>>>>>>> no. Tie your hands behind your back. Don't let yourself do it.
>>>>>>>
>>>>>> The moral of the story is, if you have any cash, you should invest it,
>>>>>> so it increases in value. Don't just let it sit in the bank where it
>>>>>> loses value. Basic micro-economics. We studied this in school.
>>>>>
>>>>> The illusion is that it will increase in value. The truth is that
>>>>> most people who invest in the market loose money.
>>>>>
>>>> Most people don't invest in the stock market. The key word is: interest.
>>>
>>> 4% is a pittance. Most people don't invest in the stock market but
>>> the most of the ones who do loose money.
>>>
>> Key word: safe
>
> Right.
>
>> Most banks offer high-yield investment savings accounts. As long as your
>> bank is FDIC-insured, your money is safe.
>>
>> As of Jan. 28, 2026, Digital Federal Credit Union offers 5.00% APY on
>> the first $1,000 deposited.
>
> 5% on the first $1000. Not on $100000. 5% of $1000 is $50.
>
So, I went to work early in life - marbles, paper route, lawn care,
stock boy at Safeway as a teenager.
It's just amazing the power of compound interest!
The trick to saving is just forget about it. Let it sit there, in the
palm of your hand and let it grow. Don't even think about it, except to
glance over the annual report.
Step 1: Identify the Variables: if you saved $100 a week for 10 years at
5% compound interest rate:
At the end of 10 years, your total savings would be $67,425.83.
>
>> $100,000 invested at a 5% annual compound interest rate for 30 years
>> will earn approximately $332,194 in interest, resulting in a total
>> future value of roughly $432,194.
>
> I'll let you know if I live to be 110. 332000/30=11000 per year.
> Still a pittance. If I had 332000 right now, I would keep it and live
> comfortably for the duration. Not that I need a lot of comfort.
>
>>>>
>>>> US Series I Savings Bonds: 4.03% annual interest rate. Bonds can be
>>>> cashed after 1 year. Bonds earn interest for 30 years.
>>>>
>>>> For Series I bonds, the fixed rate stays the same for the 30-year life
>>>> of the bond. Series EE bonds are guaranteed to at least double in value
>>>> if held for 20 years
>>>>>
>>>>
>>>>>>>>
>>>>>>>> How much does it cost to buy Apple stock today?
>>>>>>>>
>>>>>>>> Apple Inc. Stock Quote (U.S.: Nasdaq - MarketWatch $ 264.40
--- SoupGate-Win32 v1.05
* Origin: you cannot sedate... all the things you hate (1:229/2)
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