Plugged? Like with a bullet in somebody's head?

cgh1999 said:

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techno-ag said:

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MSAI in the 0.60 range. Risky, hasn't seen a dollar in a couple weeks.

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As the person who brought this stock to the table, I do need to make it very clear that it is a 100% gamble stock (IMO). I'm sitting on a few thousand shares that are net free from the last run up.

Thinking about buying some more shares around here, but won't go too deep into the well. My total cost on this stock won't exceed 1-2% of my trading account.

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From Stocktwits so take with a grain of salt:

Quote:

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$MSAI is positioned for a turnaround driven by 325 Capital (~$0.409 entry), who secured a Board seat to stabilize operations , and an Anonymous Investor ($1.35 entry, $14.4M), whose current ~50% loss creates a strong incentive to drive the price back above $1.35.

The critical catalyst is the Dec 15 shareholder meeting, where approval is virtually guaranteed (36.5% votes locked) to unlock $11M from escrow. This capital will immediately fund production for a "Global Leader" (speculated to be Amazon). Consequently, a rally targeting $2.50$3.00 is projected for JanFeb 2026, though caution is advised regarding potential offerings near the $3.00 level.

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https://stocktwits.com/haengjeok/message/637478653

txaggie_08 said:

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After July 4, 2026, and kid under 18 can have a Trump account, and the parents/guardian can contribute up to $5k in the account. It's only kids born between 1/1/2025 and 12/31/2028 that will be eligible for the additional $1k from the Treasury.

At least that's what I'm reading about it. This will probably change the way we invest for our kiddo. Currently we were doing $300/mo to a 529 and $100/mo to a UTMA. I'm not sure if we'll completely move away from the UTMA or split that $100/mo between UTMA and kids 401k account.

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don't see any advantage to using a Trump Account over a 529 (besides the "free" $1,000). Looks like 529's are better in every instance for college funding.

am I missing something?

Diggity said:

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txaggie_08 said:

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After July 4, 2026, and kid under 18 can have a Trump account, and the parents/guardian can contribute up to $5k in the account. It's only kids born between 1/1/2025 and 12/31/2028 that will be eligible for the additional $1k from the Treasury.

At least that's what I'm reading about it. This will probably change the way we invest for our kiddo. Currently we were doing $300/mo to a 529 and $100/mo to a UTMA. I'm not sure if we'll completely move away from the UTMA or split that $100/mo between UTMA and kids 401k account.

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don't see any advantage to using a Trump Account over a 529 (besides the "free" $1,000). Looks like 529's are better in every instance for college funding.

am I missing something?

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529s are used for education. The Kid's 401K can be used on anything and can continue to grow and compound, so they could use it to buy a house in their 30's if they so choose.

Yeah, 529 and the 401k are for different purposes.

The kid can use the 401k for items outside of retirement? I guess a withdraw from the 401k pre-retirement would just be considered ordinary income just the same as if we withdrew a non-company sponsored 401k?

ProgN said:

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Diggity said:

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txaggie_08 said:

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After July 4, 2026, and kid under 18 can have a Trump account, and the parents/guardian can contribute up to $5k in the account. It's only kids born between 1/1/2025 and 12/31/2028 that will be eligible for the additional $1k from the Treasury.

At least that's what I'm reading about it. This will probably change the way we invest for our kiddo. Currently we were doing $300/mo to a 529 and $100/mo to a UTMA. I'm not sure if we'll completely move away from the UTMA or split that $100/mo between UTMA and kids 401k account.

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don't see any advantage to using a Trump Account over a 529 (besides the "free" $1,000). Looks like 529's are better in every instance for college funding.

am I missing something?

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529s are used for education. The Kid's 401K can be used on anything and can continue to grow and compound, so they could use it to buy a house in their 30's if they so choose.

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well they can't be used on anything (unless you want to pay a penalty) but could be used for a first time home purchase.

I was thinking of these more as investment vehicles for college but could be a nice way to juice their retirement accounts. That hasn't been a big priority for me.

This could also be an added benefit from some employers because they can contribute up to $2,500/yr per child. It'll act like a traditional IRA and grow tax-deferred. Letting it compound and contribute max $5K per year and your kid will have a definite leg up in life.

This all sounds kinda inflationary to me. Maybe that's part of the plan on how to get out of our debt problem.

If you did that plan then how would it work with the 529 rollover to the child's Roth IRA (up to $35k)?

Quote:

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Each Trump Account will launch with a one-time $1,000 government seed contribution. Families and others can contribute up to $5,000 annually; the funds will be invested in a broad stock-market index, remain private property under guardian control until age 18, and, if fully funded and left untouched, could grow to as much as $1.9 million by age 28.

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Interesting because not all states consider 18 as the age of majority under UTMA arrangements. Many states, including Texas, New York, and Florida, require the beneficiary to be 21 years old before the assets are turned over.

I'm sure someone has done the arithmetic to calculate the annualized returns to you need to achieve a $1.9 million account balance. Back of the envelope tells me it's greater than a 15% return every year. Madoff would be jealous!

Heineken-Ashi said:

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GeorgiAg said:

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This all sounds kinda inflationary to me. Maybe that's part of the plan on how to get out of our debt problem.

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Now you get it. At the same time, it traps all those funds with the large brokerage houses who get sweet sweet fees.

Nothing about this administration has anything to do with responsibility. Everything is pointed to attempting to throw as much money as possible in as many different directions. It works until it doesn't. And when it fails, it historically fails in epic fashion.

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Exactly.

And for the record, widespread and persistent inflation with flat nominal spending might be the only way out of the debt corner we've painted ourselves into.

Who does that inflation hurt the most? The middle class.

ProgN said:

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This could also be an added benefit from some employers because they can contribute up to $2,500/yr per child. It'll act like a traditional IRA and grow tax-deferred. Letting it compound and contribute max $5K per year and your kid will have a definite leg up in life.

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But you still can't access the funds without penalty until you're 59.5.
Tax deferred doesn't help if (more like when?) our kids will be facing a 50% tax rate in the year 2080

it's an interesting question though.

will "printing" a bunch of money that can't be touched for the next 18 years increase inflation today? At the same time, you're encouraging parents to save more money for their kiddos, which could theoretically be deflationary.

tysker said:

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Quote:

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Each Trump Account will launch with a one-time $1,000 government seed contribution. Families and others can contribute up to $5,000 annually; the funds will be invested in a broad stock-market index, remain private property under guardian control until age 18, and, if fully funded and left untouched, could grow to as much as $1.9 million by age 28.

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Interesting because not all states consider 18 as the age of majority under UTMA arrangements. Many states, including Texas, New York, and Florida, require the beneficiary to be 21 years old before the assets are turned over.

I'm sure someone has done the arithmetic to calculate the annualized returns to you need to achieve a $1.9 million account balance. Back of the envelope tells me it's greater than a 15% return every year. Madoff would be jealous!

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UTMAs in Texas are 18 or 21, the guardian decides. For my son (now 10), I have it set for him to get when he's 21.

The figures they used today were max contribution of $5K per year at an annualized rate of 7-8% beginning when the child is born for that $1.9M at age 28.

ProgN said:

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tysker said:

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Quote:

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Each Trump Account will launch with a one-time $1,000 government seed contribution. Families and others can contribute up to $5,000 annually; the funds will be invested in a broad stock-market index, remain private property under guardian control until age 18, and, if fully funded and left untouched, could grow to as much as $1.9 million by age 28.

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Interesting because not all states consider 18 as the age of majority under UTMA arrangements. Many states, including Texas, New York, and Florida, require the beneficiary to be 21 years old before the assets are turned over.

I'm sure someone has done the arithmetic to calculate the annualized returns to you need to achieve a $1.9 million account balance. Back of the envelope tells me it's greater than a 15% return every year. Madoff would be jealous!

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UTMAs in Texas are 18 or 21, the guardian decides. For my son (now 10), I have it set for him to get when he's 21.

The figures they used today were max contribution of $5K per year at an annualized rate of 7-8% beginning when the child is born for that $1.9M at age 28.

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that math doesn't work. It would have to be 15% return, as stated earlier.

They're probably assuming some sort of indexed increase in the allowable contribution each year.

Diggity said:

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it's an interesting question though.

will "printing" a bunch of money that can't be touched for the next 18 years increase inflation today? At the same time, you're encouraging parents to save more money for their kiddos, which could theoretically be deflationary.

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It won't be inflationary on its face. But it takes funds away that should be attempting to fight against the deficit.

But it really doesn't matter. It's going to run off the cliff anyway.

Heineken-Ashi said:

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GeorgiAg said:

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This all sounds kinda inflationary to me. Maybe that's part of the plan on how to get out of our debt problem.

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Now you get it. At the same time, it traps all those funds with the large brokerage houses who get sweet sweet fees.

Nothing about this administration has anything to do with responsibility. Everything is pointed to attempting to throw as much money as possible in as many different directions. It works until it doesn't. And when it fails, it historically fails in epic fashion.

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Without getting too political, how is this a bad thing? My son is on my payroll. I can contribute $7k. He already has $15k in an IRA.

You have to have income to have an IRA. I hate that IRAs you have to hold without penalty until 59.5. But he will have a significant leg up down the road. I believe he can use it towards his first home, car, college, and a couple of other exceptions. But I'm going to encourage him to never touch it only add to it and work hard to get his house/car.

This situation seems to allow anyone with the means to do so, to add to a retirement account for their kids which takes a huge strain off of them later in life.

What reasonable and age appropriate work is your toddler performing to qualify being on your payroll and earn the W-2 income necessary for an IRA contribution?

I'm not an accountant or an attorney but I would make sure you are on the right side of the tax code.

tysker said:

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What reasonable and age appropriate work is your toddler performing to qualify being on your payroll and earn the W-2 income necessary for an IRA contribution?

I'm not an accountant or an attorney but I would make sure you are on the right side of the tax code.

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I am and I have. I do everything above board. Everyone should be able to contribute to their kids future. It's at my own expense and enjoyment but I'm passing it forward and hoping he does the same to his future kids!

like right now?

🚨 $MSFT Microsoft Lowers AI Software Sales Quotas as Customers Resist Newer Products -- THE INFORMATION
Taking market down pic.twitter.com/jFTsyFcwh8

— Ripster (@ripster47) December 3, 2025

AgShaun00 said:

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like right now?

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Yep something just took a dump and missed the bowl

Mr.Milkshake said:

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Been hearing about the imminent collapse since at least the financial crisis. The big one is coming. Any day now.

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Just because you are paranoid doesn't mean that people aren't out to get you.

...

Just because you are paranoid about a market bubble doesn't mean it isn't a bubble. My grandfather was born in 1900. Those folks didn't see the Great Depression coming. Nobody really saw the Dot Com or Real Estate bubble happening or knew the extent of it.

VIX is relatively low. That's good.

VST Bollis getting pretty tight

KRE 12/19 $62 puts targeting 2.25x profit at min target of $60.27 and 6.0x max profit at max target of $58.22. Don't need to play with a lot of money to make a lot. All at risk.

You still in the GOOG puts?

Been a great few days for COIN. Jumped in waiting on positive bounce from lows last week for a swing trade and paying off nicely.

PATH pumping on double beat


CRM and C3AI also up