From: fedora@fea.st   
      
   On Thu, 19 Feb 2026 10:19:04 -0800, Dude  wrote:   
      
   >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.   
      
   Did you do that at marbles, paper route, lawn care, stock boy?   
   $100/week?   
      
   >   
   >>> $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   
      
   --   
   Noah Sombrero mustachioed villain   
   Don't get political with me young man   
   or I'll tie you to a railroad track and   
   <<>> to <<>>   
   Who dares to talk to El Sombrero?   
   dares: Ned   
   does not dare: Julian  shrinks in horror and warns others away   
      
   --- SoupGate-Win32 v1.05   
    * Origin: you cannot sedate... all the things you hate (1:229/2)