Відео

HAHAHAHAHHAAAA!!!!!!! Their stock is now $8.34 a share!!!!!!

How nice to meet your wife-you both come across so down-to-earth and authentic! Great video, I really enjoyed it. I will definitely try a no-spend month and put the savings towards my investments.

You two did great lowering your spending. Good results with both the tree and truck jobs! My husband is handy, too, and I'm sure has saved us thousands over the years by doing most of the repairs and maintenance on our home, property, and vehicles.

I remember when we were building a house. I thought the spending and bills would never end. Of course the wife wants everything new. I saved a ton by not becoming an amazon prime member. If I paid that yearly fee, I would have to get my money's worth of free fast shipping. I guess that's part Bezos master plan.

Corporations invented holidays so they can sell products and put a guilt trip on people. Do you think they had Father's Day back in eighteen hundreds? I tried to have a no spend day every day.

Excellent job! I stopped being a wage slave at 59 1/2 (Nov 2019) and lived off my below-average savings until 62 to take SS. I do not have a mortgage, no debt, and I live off of SS alone now. Since mid-2023 I have mostly no-buy months whereas I pay fixed expenses and prop/school/local taxes. I have my investments in fixed-income treasuries T-bills, notes, and TIPS, I no longer trust the stock market casino as I have lost too much principle over the decades.

People around me say that I squeeze a nickel so hard they hear the buffalo squeal.

Cute

Adorable!

So, I'm spending $5,033 for a bond that's going to give me $5,000 at maturity? Why would I want to do that?

Thank you so much for making this video! It was highly informative and very well explained. The only thing that I am still confused about is the explanation of the interest rate towards the end of the video. How is that determined? Why is it different than the high yield rate that's granted? Can you elaborate please? Thank you!

What if you change you mind after canceling a reinvestment? Can you undo it?

New subscriber here. What duration are you personally liking?

Great video,. So what does it mean when they say you'll get a 5%+ annual rate? where does that come from?

I think that the increased hiring activity is driven by the need to replace departing employees and stabilize the workforce, rather than purely by growth or expansion initiatives.

272,000 jobs added in May announced this a.m., significantly higher than expected. Rate cut expectations in September slip from 69% to 53% ...so tug of war analogy continues! Higher for longer it seems.

why not just keep it simple... do this instead... $1000 - $978 = $22/bond.... the $1000 is the price of one bond so you make this number how much you want to invest... the $978 is the discounted price when you buy the bonds... and the $22 is your profit from each bond you invest in... so in this example you have say $15000 to invest.. you would just take the $22/bond and multiply it by 15... $22 x 15 = $330 ... so even though you have $15K to invest the actual cost of 15 bonds is going to cost you just $15K -$330 = $14670

This is awesome. Where could I open a Roth IRA ?

Excellent video---thanks!

If the maturity date of the 9/12 bill is 10/10 why would they pay interest on 10/2?

Because of your reporting, I have started buying --- but only the 30 Day Bill - have started a "ladder" because am going every week now that I am comfortable. My wife laughs because of the small amounts I am using/earning. THANK YOU

type is way too small for that demo

Those tails are telling me that the big dogs are starting to move away from Notes and buying gold. Everyone knows the debt is unsustainable especially with out of controll gov't spending. JPow can't comment on that. Meanwhile that ponzi 3rd grade remedial reading teacher, Janet Yellin, has an excuse for everything including her failure to show some fiscal restraint.

not sure why you focus on "Yields" vs "Coupon Rates".... if your buying bonds for fixed income you don't care about the yields...its the coupons that make your fixed income.... investing in a bond for yield is a guessing game as you won't know what yield you get until you sell or the bond matures...

Just put your $$$ into VFMXX

I've been watching your podcasts some time now and I really appreciate the work you are doing. I'm not a US citizen / resident but I'm planning on buying US-T. I can do it on secondary market only. What is your opinion please about STRIPS? There's no much info on them on You Tube / financial forums. I've read recently that they are not popular. If so, why is that? Are they less liquid than regular coupon bonds? Are they not fully guaranteed by US government (their issuers are other institutions than Treasury Direct)?

Thank you for your informative videos. I've never had reason to learn about US treasuries until now. This channel helps me understand.

I have T bills coming due every month this year. Have started to go longer. Bought some 20 year last month with 4.75% coupon (YTM of 4.9%). Thinking about the 10 year if it stays above 4.5%. Also grabbing some TIPS if rates are over 2%. Just got the 10 year at recent auction with a YTM of 2.184%. If inflation stays above 2.5% that will provide a yield of 4.7%, above the nominal bond.

I just now went online at Fidelity and searched for Call Protected Agency Bond and the search resulted in 338 bonds with CP (call protection) .... with a high coupon rate of 7.2%, maturity 5/15/30 ... CUSIP 31359MFP3 so they at least exist if you want/need them

ty

It's all very interesting details and info you provide, I wonder what your background in the bond/treasuries market might be if I could ask. I assume that you work in a field which gives you this insight.I also was wondering if you thought that all of the countries creating their own currency is or will effect our treasury market? Aside from more countries joining BRICS there are 10 SE Asian countries which have decided to band together for their own currency which total around 4 Trillion Dollars of a comparison to the US dollar!

Look at your Treasury Auction Sizes slide… 10 year bonds are up only 10%. All other maturities are up double and triple that amount. The Treasury is purposefully not issuing many 10 year notes. If supply is constrained, prices will rise and yields will fall and viola! We have an inverted yield curve. That’s the reason for the inversion and it won’t uninvert until supply of 10-years is normalized. The treasury does this to constrain the 10 year yield because mortgages and car loans track this maturity. It also helps the stock market because growth stocks are often discounted to a present value using the rate of the 10-year. Further, the 10-year is often used to calculate the equity premium so a lower 10-year yield props up the stock market. Janet knows what she’s doing!

The only thing I use the CME tool for is to determine what the market thinks about interest rates, but as we've seen, the market can be very wrong.

The inverted yield curve will normalize by long-term rates rising, not by short-term rates falling.

Treasury buybacks are in minuscule amounts. In the neighborhood of 0.05% of overall treasuries in the marketplace. No effect.

CDs are still the better play up to 2 years. People dont underatand treasury Coupon (the real yield) veaus knterest rate (compounding your pay out). Use Chatgpt to have it explain the coupon versus % rate. A CD rate is literally what you are getting ans thus higher than treasuries of the same yield.

Something will give, we just don't know what ..

I believe part of the expectation of lower rates is that the country can't afford higher for longer. Election, budget fights or next fed nomination could each be the moment when it comes to a head.

I am doing short term treasuries and I will do again. Short term treasure is with they pay you in July and because I believe market is going to go down by the year end and I will start then I did buy Nvidia, but I sold out and I’m not buying it again till it really goes down.

Agency bonds are not worthy consideration due to its callable feature. Nearly all investors can ignore them. Do waste your time on them.

Can I buy Freddie Mac on Charles Schwab?

Can I buy Freddie Mac on Charles Schwab?

What happens if long term treasury rates go past current rates on agencies? Won't your bond value sink and the agency will not call them?

Thanks for the information, not much explanation out there for the formula.

TVA might be Tennessee Valley Authority.

Thanks for taking the time to post this video

Great video! Thank you!

More than likely you are preaching to the choir, but by the comments there are enough newbies who found this educational. Well, I did too, but I never let my Schwab sweep go over $1000 for long. Your videos the last 6 months have really been good.

Any risk losing money with these bonds?

Heads up here, the host is correct in his assumptions. Ive been purchasing these bonds in large increments throughout the last year. They have ALWAYS been called in full at their first date available to do so. Better off buying a slightly lesser yield corporate bond with call dates further out at this point in the cycle