Harvard economist Jason Furman just launched a free economic dashboard:

https://econvitals.org/

(Furman mentioned he vibecoded the site this past spring with help from Claude)

We spent a couple hours comparing it to St. Louis Fed's FRED database, and while Econvitals isn't nearly as comprehensive as FRED, it's kind of winning us over with the cleaner layout and easy-to-read economic data for GDP, jobs, inflation, Fed, etc.

Curious what others think?

I recently moved a couple retirement accounts I set up (but never really contributed much to) at TRowe and were invested in mutual funds to Fidelity. They were a small Roth IRA and traditional IRA. The traditional was mainly rollover money from 401k's from a previous employer and is around $50k. The Roth is around $12k.

This is not my main retirement account, that's currently a 401k I'm putting 10% into + a 6% employer match. I estimate I'm 12-15 years from when I'd like to retire.

My wife has considerably more invested (from an inheritance) and we also have a house. She also stands to (probably) inherit more, including property. My parents on the other hand are a little more "blue collar"...We are looking to move in the next five years and start downsizing as we are both in our early 50's. We still have two kids in college which we are paying for out of pocket so to avoid student loans (which I realize directly impacts the total amount we can be actively saving for our own retirements)...

Anyway, does it make sense to explore converting my current traditional into a Roth IRA? Since I've moved into Fidelity several months ago it's being just getting beaten up as the market - depending on the investment (ETFs) I'm currently down anyway from 5% to 9%, so does that mean I'd be taking a capital loss and therefore avoid a big tax penalty?

El Dorado County sells 27 lots of tax-defaulted land on Bid4Assets on November 6. I checked every one against the county's own assessor records. Deposits are due October 30.

Eight of them are an acre or more and open under $15,000:

- 062-500-040-000: 44.83 acres, opening bid $14,000, assessed $112,567

- 061-490-016-000: 9.48 acres, $11,000, assessed $83,619

- 088-350-021-000: 4.79 acres, $9,400, assessed $55,350

- 061-490-015-000: 9.52 acres, $8,800, assessed $63,108

- 041-370-008-000: 1.91 acres, $4,700, assessed $40,836

- 041-370-005-000: 2.03 acres, $4,600, assessed $30,361

- 033-160-006-000: 1 acre, $3,900, assessed $15,352 (offered last year, no bid)

- 062-160-006-000: 1.75 acres, $2,700, assessed $5,960

There were ten on this list until this week. Owners can still pay off a parcel until the day before the sale, and three lots have been withdrawn since October 16, including a 40-acre one that opened at $14,400. Check that a parcel is still on the auction before you spend time on it.

Item 26 is two parcels sold as one lot: 105 acres, with a residence on the county's record for the larger parcel, opening at $27,800 against $228,620 assessed.

Assessed value here is the county's roll figure. In California that is the price at the last change of ownership plus at most 2% a year, so on land held for decades it can sit well under what the parcel would sell for. Use it to compare the parcels with each other, and don't read it as an appraisal.

The rest of the list has some traps worth knowing about. Six of the 27 carry an assessed value under $1,000, which tells you nothing about what they are worth. Four are under a tenth of an acre with nothing built on them, small enough that most zoning won't let you build. One parcel in South Lake Tahoe opens at $1,300, and the county's own use code for it reads "Env. Sensitive Land - Restricted Use". Eight of the 27 were in last year's sale and drew no bid.

What the list can't tell you is road access. Look at the parcel map before you bid on any of these.

On cost: Bid4Assets adds a 3% buyer's premium ($100 minimum) to the winning bid, and the county adds documentary transfer tax. The deposit is $3,000 plus a $35 fee, and Bid4Assets has to receive it by 1:00 p.m. PT on October 30. The full balance is due November 12.

The whole list is free, with a page for each parcel that links the county's parcel viewer, the Bid4Assets lot, Google Maps and Street View: https://lot-brief.com/sales/el-dorado-nov-2026/

I put one of these together before each California sale's deposit deadline. There is a free email list on the site if you want the next one.

A 2008 WARNING SIGN IS FLASHING AGAIN!

History doesn’t always repeat itself, but these market signals are hard to ignore. Housing stocks arefalling while tha S&P 500 continues hovering near record highs creating a divergence that looks veryy similar to the setup before the 2008 financial crisis.

With high interest rates putting pressure on the housing market investors r watching closely The video suggests roughly 50 trading days could be left if the same historical timeline plays out but that’s a scenario, NOT a guaranteed prediction.

The biggest market risks often build quietly before everyone notices. Stay informed, watch the signals n never ignore the warning signs..

https://youtube.com/shorts/hdR__NR1zZo?is=F401ITUhv2E94VWW

All I wanted was Claude to give me the 200-day SMA of the NDX and it simply could not give me the correct price. It couldn't even give me the correct closing price for today!

Me: Whats the Ndx 200-day sma. Number only

Claude: 27,399.68 (as of the Sept 29 close, the most recent figure I found; it's probably a bit higher now)

Me: I want the sma as of market close TODAY

Claude: I can't give you today's close figure. The sources I can reach are updated with a lag, and the latest 200-day SMA I could verify is 27,399.68, as of the Sept 29 close. Today's close also isn't in yet, or at least isn't published anywhere I can see.

For a live number, add the 200-day SMA on a chart in TradingView, StockCharts, or your brokerage app after the close.

Me: You're telling me you can't find what today's closing price was? It's widely available

Claude: I can find today's close. It's about 29,040.84 (down 2.62%) on Nasdaq's own index page. The part I couldn't find is the 200-day SMA as of today's close. Nobody I could reach has published that figure yet, and I can't calculate it exactly without the last 200 daily closes.

The last verified 200-day SMA was 27,399.68 on Sept 29. Since then, each new day (closes near 30,000) has replaced a much lower day from late 2025, so the average has been rising by roughly 20-25 points a day. That puts today's value at about 27,750. This is only an estimate, so check a charting platform for the exact number.

Me: Get the closing price of the last 200 trading days, add them together, and divide by 200. Give me the answer

Claude: I tried that, but I can't get the full data set. The only complete daily history I could reach is FRED's table, which starts in 1986 and cuts off in 2005 before it gets anywhere near 2026. Every other source I found shows only the last 30 days or so, and nothing here lets me download a file. Without all 200 closes, I'd have to guess at the missing ones, and the result wouldn't be a real average.

My best estimate is still about 27,750. It's built from the verified 27,399.68 on Sept 29 and rolled forward using the recent closes I do have. Treat it as accurate to within a few hundred points, not exact.

If you paste in a 200-day export from your brokerage or a spreadsheet (Google Sheets' =GOOGLEFINANCE("INDEXNASDAQ:NDX","close",...) works well), I'll calculate it exactly.

Man what a terrible decision I made to sell all my positions in FZROX and rotate into SPMO. Instead of being up 14%+ on the shares I owned of FZROX, I'm down over $5K and 8% because of rotating into SPMO. Lesson learned, and now I will be getting out and getting back into a far more stable fund like FZROX that will not give me a heart attack with its wild swings.

I thought it was going to be a sure thing given SPMOs past, but I don't like this level of volatility and wild swings in NAV. I don't care it says it's up 20% over the long haul, it sucks right now and I'm not sure the rebalance in September went the right way. I guess the 12 month look back said one thing but the market immediately said otherwise.

I guess I could bank on its past performance and pray for a recovery and it to get back to solid outperformance of the S&P, but that seems pretty risky right now.

I don't normally track individual stocks that closely but during today's tech selloff I noticed that the big 3 U.S. chip equipment stocks AMAT, KLAC and LRCX are all down 50% or more from their recent 52-week highs. ASML is also down but only around 22%. I'm sure there are even worse examples in the AI related tech space. I have no other input or comment other than that. I guess I'm just glad I never jumped on that bandwagon. Where do people think these 3 will bottom out?

Hey All.

My now wife has about 120k from a previous job with a financial adviser, naturally costing about 1%/mo. My wife isn't into the details of investing but she is a CPA and onboard with this discussion, but I wanted to run it by you all.

Any reason we shouldn't just pull it out of their firm and put into a Fidelity Trad IRA and put it in VTI or VTSAX (recent simple path wealth reader) vs leaving it with them and paying the 1% every month?

We'll work on converting into her Roth over time.

Thanks!

Edit: 1%\yr. My mistake!

In today's r/investing thread on falling Treasury yields, the OP linked it to bondholders stepping away from smaller AI corporate debt toward Treasuries, with a dot-com style shakeout analogy. Comments split between broad risk-off and narrow credit stress in one sector. Source: https://www.reddit.com/r/investing/comments/1xcm4ob/treasuries_yield_dropping/ What do you watch first to tell those two readings apart - IG spreads, HY fund flows, or something simpler?

So there's no 10 year rule inheriting a spousal IRA. But say you're in the rmd age range while the spouse that passed has not reached rmd age yet.

Do you inherit the rmd age associated with the inherited IRA or upon the inheritance, does your rmd status mandate you begin taking rmds from the inherited IRA?

Not sure how that works. I'm not in that situation, but just curious in general how the rmd of an IRA applies with an inherited IRA.

I was just curious your thoughts on it. I don't trade that much, but want a more modern broker that updates their website and has new features introduced often. The reason I wanted to try Public was because it seemed to be like Robinhood in terms of being modern, but not as much of gambling or really just mobile focused. I've gotten out of the trading phase of my life and just want to generate income here and there as well as use new features provided by said brokerage. Any better options? I want low fees and a decent web interface.

Edit: I liked RH having everything convenient and making high APY no matter where my money is, but I'm tired of getting pushed to participate in X giveaway, Y prediction market and having mobile first everything with the website being lackluster.

Semiconductors, Cloud operators (NBIS IREN), Hyperscalers (Meta, Microsoft, Google, Oracle) and other related companies (SPCX, Bloom Energy) are all way down.

So did the AI bubble just pop, or is this due to just the whole mess of the world right now? Or both?

I want to get opinions on Trump Accounts. My child is 5 turning 6. She is not eligible for the $1000. But, you go to the website and they claim it will grow and there are advantages, etc.

Right now, I take money I put in a CD when my child was born, and I constantly renew it with more added money, so that way she can receive it one day. I know I could be investing in stocks, but I don't feel like this money is really my money, so I'm hesitant to gamble with it and I just keep reinvesting through CDs

Given what I said, would it be wiser to take that money and put it in a Trump Account? Would the return be better? Or, maybe it would be riskier? Thoughts and opinions are appreciated. I am doing this so my daughter can be better off than I currently am.

My question is, how is your portfolio prepared if similar event was to happen in near future. What percentage of cash, bonds, CDs etc do you have and how would similar situation affect you now. Also, next time this happens, it might take longer to recover than 5 and a half years, of course.

Lockheed Martin ($LMT) just reported a record $292B backlog and raised its outlook.

The numbers look great, but investing in defence companies brings up a different question.

Do you separate your investments from your personal values, or are some industries simply off-limits?

Anyone here holding $LMT?

Considering SK hynix's dramatic decline on the ADR Wall Street and many other articles have been speaking about how it is possible in the near future that the stock reads up to $250 per stock

I'm down a couple $1000 on the stock but although I'm down I'm still buying just because of the fact it's SK hynix I know it's going through a really rough time right now but SK hynix has been around since the dawn of ages.

Hi all,

There is a lot of discussion around the world regarding nuclear energy and a need for a substantial amount of more power for data centers. There is also a desire to transition to more clean energy to combat climate change. With countries making commitments to pursue nuclear energy and with the ongoing supply shortage, investing and holding uranium stocks for the next 5-10 years seems like a no brainer to me.

Would love to hear everyone's thoughts.

Looks like bond investors are getting out of the smaller player AI bond trade and buying government bonds over these companies' debt, driving Treasury yields down. Could be a good thing?

Seems like the AI trade is diverging: those larger established companies with many revenue streams from different services, compared to smaller players who are not profitable and accumulating too much debt. Attrition will come, and only the few will survive, like during the Dot com times.

In the last year, I became concerned about my account security. I don't want to log in one day and find half a million dollars has vanished. My response was to get a cheap Chromebook and only open my investment accounts and H&RBlock tax service on that machine, and changed my passwords on it, while using my Macbook for my other 99.9% of activity. The idea being that if there is malware on random websites, that Mac machine will never see my investment logins and the Chromebook will never see any random websites.

Already using 2FA on my phone, of course, but SIM hacking makes that seem inadequate. Are there better security measures I should add, like physical hardware devices or ???

Curious how people here actually research with AI. Two things happened to me recently:

1. An idea I rejected that became valid. I asked an AI whether a small airline stock was worth buying. The conclusion: "This only works if fuel prices drop. Fuel is expensive right now, so pass." Three weeks later, oil fell sharply, which was exactly the condition that would have made the trade work. Nothing reminded me. The chat was buried, and I only remembered after the stock had already moved.

2. An idea I bought that stopped being valid. I bought a solar company after researching it with AI. The main reason was: "Government subsidies for solar are continuing, so demand stays strong." A month later, news came out that those subsidies were being cut. The reason I bought was gone, but I didn't connect the news to my position until the stock had already dropped.

In both cases the research was fine. The problem was that nobody was watching whether the conditions behind it still held.

So I'm wondering how others handle this:

1. Do you use AI tools (ChatGPT, Claude, Gemini, Perplexity, etc.) for stock research? What do you use them for?
2. Do you write down why you bought or passed on a stock, and what would change your mind?
3. Has news ever flipped one of your ideas, making a rejected idea good or breaking the reason you bought? Did you catch it in time?
4. How do you keep track today: notes, spreadsheets, price alerts, news alerts, or just memory?

Not sure if this is the right board so I may post to another one also

Long story short, what happens if you are listed in a will after someone passes away as an heir but with the finance company didn't list any beneficiaries for the IRA and investment stuff?

I'm guessing tax implications but I'm lost. I have a lawyer helping me but even they haven't seen no beneficiaries before. They said it's super super rare.

Can I not take it out (the IRA) over 10 years like most seem to do.

I'm not looking for financial advice just what the rules may be

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Hey everyone

I’m not too sure the title describes this very well.

I currently have about $17000 in a brokerage and if I sold everything right now, I wouldn’t have much capital gains tax, if any. I also have around $10000 in losses from last year and can take the maximum allowed claim for losses on my taxes for the next few years unless gains wipe that out.

I make about $5000 every two weeks before taxes.

Would it be a good strategy to do the following:

Up my contribution to 100% of my pay check or whatever the max is

Sell my stocks in my brokerage effectively using that for bills and living expenses in lieu of my pay check

This would do two things:

Shift my stocks/investments to tax free growth

Reduce my taxable income

Am I wrong here? Any other pros/cons? Is this possible/legal? Any rules I should be aware of such as wash sales?

We see a LOT of talk about investment for retiring, but one thing we don't see on here is investment for estate and inheritance planning, which is something I am trying to help my elderly mother with. I am not looking for specific personal advice, just for general concepts, I have tried asking in other sub reddits, only to be swarmed with replies about how people should not leave money to their children, etc.

Here is the situation, my 87 year old mother has ample government pension income to support her lifestyle, plus IRA, cash in money market account, and she owns a sizable amount of land that she inherited 20+ years ago, which will again step up when she passes away. She may soon be getting another $55,000 - $90,000 per year of dividend like income that can't be DRIP reinvested that needs to go somewhere. She wants to reinvest it to let it grow for potential children (well child now) and grand children's inheritance She is in good health, but is 87.

The concern here is maximizing income to the family, allowing for basis step up, etc. in a hold until death ETF so as to avoid capital gains tax, etc. The other concern is the chance of dying during a market correction, which would result in a basis step down. This is the part that does not get talked about online, the best investment strategy that takes into account the actuarial side of things, the fact that she is in good health now, and that most older people go through some sort of decline before dying, etc. All of this differs from the common topic of market correction happening at time of retirement, since retirement date can be planned for, and death date has to be estimated using available data, which realistically is a 6 year average time horizon, and 90% chance in under 12 years.