Market timing works for me. Been doing it for years. I buy on fear. Works every time. Just bought DOW, ADM and MDT. Looking to buy AMGN in the next freak out session.

Is not even the cert but the position itself. For government contracts you have specific levels that roughly translate to experience and education, like Sys adm levels I ~ III, Sys Eng I ~ III, so on so forth.

For instance I have worked as a systems engineer but I wanted to come to Alaska so I took a position as a Sys Adm II. It is less money than a Sys Engineer position but it is where I wanted to be. The fact that I'm overqualified for my current job doesn't mean that they are going to give me any more money than the slot allows.

I'm the same been out of work for like the past 6 months but will be starting a new job at double the pay of my previous one next week. My recommendation is get on all the job sites and put your account on public/let them share info. Once I did that i started having recruiters reach out to me daily. You'll get a lot of scam companies reaching out to you (good rule of thumb anything in insurance is a scam) but within a few weeks I had job offers from legit fortune 500 companies like wesco, BMO harris, and ADM without even having to apply.

Here are the funds in my plan:
(sorry the list is long)

Fidelity® International Enhanced Index - FIENX - ER: 0.57%

American Funds Europacific Growth R6 - RERGX - ER: 0.46%

MFS International Intrinsic Value R6 - MINJX - ER: 0.6%

Lord Abbett High Yield I - LAHYX - ER: 0.69%

Fidelity® Inflation-Prot Bd Index - FIPDX - ER: 0.05%

PGIM Total Return Bond Z - PDBZX - ER: 0.49%

Fidelity® 500 Index - FXAIX - ER: 0.02%

T. Rowe Price Dividend Growth - PRDGX - ER: 0.64%

Vanguard FTSE Social Index Admiral - VFTAX - ER: 0.14%

Fidelity® Contrafund® - FCNTX - ER: 0.54%

Principal Blue Chip R-6 - PGBHX - ER: 0.56%

T. Rowe Price Value - TRVLX - ER: 0.73%

Vanguard Equity-Income Adm - VEIRX - ER: 0.19%

Vanguard Mid Cap Index Admiral - VIMAX - ER: 0.05%

MFS Mid Cap Growth R6 - OTCKX - ER: 0.65%

T. Rowe Price New Horizons - PRNHX - ER: 0.79%

MFS Mid Cap Value R6 - MVCKX - ER: 0.62%

Fidelity® Government MMkt - SPAXX - ER: 0.42%

Fidelity® Small Cap Index - FSSNX - ER: 0.025%

Victory Sycamore Small Company Opp I - VSOIX - ER: 0.89%

American Funds 2010 Trgt Date Retire R6 - RFTTX - ER: 0.01%

American Funds 2020 Trgt Date Retire R6 - RRCTX - ER: 0.01%

American Funds 2030 Trgt Date Retire R6 - RFETX - ER: 0.01%

American Funds 2040 Trgt Date Retire R6 - RFGTX - ER: 0.01%

American Funds 2050 Trgt Date Retire R6 - RFITX - ER: 0.01%

American Funds 2060 Trgt Date Retire R6 - RFUTX - ER: 0.01%

Vanguard Total Intl Bd Idx Admiral™ - VTABX - ER: 0.11%

ADM

Those transaction fees that the other commenters have mentioned? They exist because Vanguard, Schwab and Fidelity are all brokerages but also fund managers at the same time. They all want their customers to invest only their funds, and try to discourage customers from investing in the funds of competitors. So they add a transaction fee on rival funds.

If you went with a more independent brokerage, like E*trade, you'd be able to invest in Vanguard, Schwab and Fidelity funds with no transaction fees.

One possible benefit you may get with Schwab or Vanguard is that some of the more popular funds have minimum initial investment rules. For instance VTSAX (VANGUARD TOTAL STOCK MKT IDX ADM) has an initial investment requirement of $3,000. Once you've put in $3,000 or more, subsequent investments are just a $1 minimum. But I believe if you buy it from a Vanguard account there is no initial minimum requirement.

That could be helpful to you if you're just starting out, and only have a small amount in your account. But once you build up your account it's not such a big deal anymore.

I've been moving more into healthcare and staples - safer places for a potential economic meltdown and otherwise good long-term investments. MRK; AMGN; CVS; ACI; ADM...

Here is full list of funds available to me.

VMIAX - VANGUARD MATERIALS INDEX ADMIRAL
VEMPX - VANGUARD EXTENDED MARKET INDEX INSTLPLUS
VIIIX - VANGUARD INST INDEX INSTL PLUS
VGSNX - VANGUARD REAL ESTATE INDEX INSTITUTIONAL
VSMAX - VANGUARD SMALL CAP INDEX ADM
SMALL BLEND
VBMPX - VANGUARD TOTAL BOND MARKET IDX INSTLPLS
INTERMEDIATE CORE BOND VTPSX - VANGUARD TOTAL INTL STOCK IDX INSTLPLS
FOREIGN LARGE BLEND
VEMIX - VANGUARD EMERGING MKTS STOCK IDX INSTL
DIVERSIFIED EMERGING MKTS
VIGIX - VANGUARD GROWTH INDEX INSTITUTIONAL
LARGE GROWTH
VMVAX - VANGUARD MID-CAP VALUE INDEX ADMIRAL
MID-CAP VALUE
VBIRX - VANGUARD SHORT-TERM BOND INDEX ADM
SHORT-TERM BOND
VTAPX - VANGUARD SHRT-TERM INFL-PROT SEC IDX ADM
INFLATION-PROTECTED BOND VSIAX - VANGUARD SMALL CAP VALUE INDEX ADMIRAL
SMALL VALUE
VTABX - VANGUARD TOTAL INTL BD IDX ADMIRAL
GLOBAL BOND-USD HEDGED
VVIAX - VANGUARD VALUE INDEX ADM
LARGE VALUE
VFTAX - VANGUARD FTSE SOCIAL INDEX ADMIRAL

FID 500 INDEX (FXAIX)02/17/1988  Large Cap

FID CONTRAFUND POOL01/17/2014  Large Cap

TRP EQUITY INCOME (PRFDX)10/31/1985  Large Cap

WT CIF II GROWTH 207/31/2003  Large Cap

VANG EXT MKT IDX INS (VIEIX)12/21/1987  Mid Cap

AB DISC VALUE Z (ABSZX)03/29/2001  Small Cap

VANG EXPLORER ADM (VEXRX)12/11/1967  Small Cap

DFA EMRG MKT CORE EQ (DFCEX)04/05/2005 International

FID DIVSFD INTL POOL12/13/2013  International

VANG TOT INTL STK IS (VTSNX)04/29/1996  International

Calls on ADM and MOS.

You do your job because you swore an oath, right? If you don't like your job or don't believe in your oath, then you should probably leave it.

Yes, I think Hillary would have done far better, she was much more qualified than Trump. For example, in May 2018, former national security adviser John Bolton restructured Trump's National Security Council and disbanded the global health unit. Its former head, Rear Adm. Timothy Ziemer, resigned from the administration and was not replaced. Had this not happened, who knows how much better the response would have been? Trump also allowed US citizens to fly home from China with no testing to see if they had been infected with COVID. These types of bad decisions and mistakes are massive and as an ICU doc you should be infuriated by Trump's pathetic response to COVID.

"Since Chinese officials disclosed the outbreak of a mysterious pneumonialike illness to international health officials on New Year’s Eve, at least 430,000 people have arrived in the United States on direct flights from China, including nearly 40,000 in the two months after President Trump imposed restrictions on such travel, according to an analysis of data collected in both countries."

https://www.nytimes.com/2020/04/04/us/coronavirus-china-travel-restrictions.html

The U.S. has some of the lowest taxes in the world, both in terms of personal income tax rates and goods and services tax rates (sales taxes). If people want nice things, like infrastructure that isn't 16th in the world, then they need to pay for nice things.

Again, the people gaming the system have been Republicans, yet you seem to be defending people like Trump who literally ran the presidency for personal profit and cut taxes for his own personal Real Estate industry - this is why we have such big deficits, the elite gaming the system and not paying their fair share. If Republicans hadn't kept cutting taxes for the rich over the years and kept the projected surplus the Democrats handed Bush Jr. there could have actually have an honest discussion about what cuts to make to government services, but we are way past that point and literally cannot afford it without raising taxes - which should also make angry at Republicans.

>$15,000 invested in the Fidelity 500 Index and the remaining $5,000 invested in the Vanguard Growth Index Adm.

Why did you choose to use those two funds? Why did you choose a 75/25% split?

>Currently, I have $10,000 in a high-yield savings account

That's a pretty small emergency fund for the NYC area.

>I would love any advice or tips on how to become more financially sound and start investing more to grow my wealth.

Making a budget each month is a great way to increase your disposable income by limiting your wasted spending. A longer term plan will also help you decide whether you should max out your tax advantaged accounts before doing additional savings for longer term, but pre-retirement, things like a downpayment.

I would recommend that you not pay extra on your student loans as a default mindset. If you feel that paying off debt at 4.28% is the best use of your money, then putting it on the loans is fine. I would also recommend you set up some sinking funds when you are doing your monthly budget for things like car repair/replacement and larger vacations and other things that you anticipate eventually spending on.

That's an exaggeration. Cars don't lose much value when you drive it off the lot anymore. Maybe 5%. If you paid ADM or got padded with F&I products that's not the car's problem.

But in OP's financial situation I'd say keep the truck unless something is seriously wrong with it.

$ida $adm

> I'm a total noob to the entire topic of finances, but I always considered stocks as essentially gambling, since you might invest in a wrong company and not get a single dollar of return (and even lose money) or you might be lucky and invest in something that will become the next Google.

People in this sub would generally agree with you, and that is why the common wisdom is not to invest in individual stocks. Rather you should invest in low cost broad-based index funds.

https://www.reddit.com/r/personalfinance/wiki/investing

> With real estate, you can buy agricultural land for example (like I have), rent it out and the return might be slow, depending on the crop, drought, storms and so on, but you will always have a yearly stream of income and will return your investment, be it in 10 years or 40+ years, maybe your son or grandson will end up with the full return of the investment, but sooner or later it will pay for itself.

Real estate investing can be extremely volatile - much moreso than the stock market. It's very easy to get wiped out.

Agriculture especially is in a state of flux now, where we are increasingly seeing monopsonies. If ADM decides to lower what they're willing to pay for your particular crop, you are often stuck - you have nowhere else to go.

I don't pretend to be a expert on real estate (especially agricultural real estate!), but I don't think it's as easy and passive as you suggest. Whereas index fund investing is completely passive.

I just bought an 07 Civic Si 2 years ago to avoid the new car ADM tax.

A few oil changes and new tires, this car just starts right up every morning with no issues.

To be honest, my heart is telling me to go get a 4Runner TRD Pro at 84mo, but my brain usually slaps me back to Earth lol

Anyone buying stuff like ADM, WM and UNH? Or is it tech stocks people are loading up on?

> From my research, it seems that the biggest leverage you have is walking away from the deal. But since the model I want is in high-demand, they will likely sell this car no problem within a few days if I don't buy, so I'm not expecting playing that card will help.

Correct, because they can just sell to someone else if you're not the buyer.

> Outside of that, I'm going to pay cash, which also seems to be a negative in negotiation. I've found advice that you should actually get a loan and then pay it off right away as they'd be more willing to work with you on the price over someone paying cash.

My understanding is that they get financial incentives for setting up financing (and probably for you continuing it for some amount of time). Most organized dealers will assume that you're at least open to their financing options, since most buyers finance, and will attempt to run your credit and get you qualified once they know you're serious, basically before it gets to a serious negotiation phase.

> Curious if I'm missing something or if I'm basically going to be forced to pay full price for the BS "military grade anti-scrape coating" and "destination charge".

That's a fairly common tactic these days, and many buyers see it as preferable to simple ADM, all things considered.

I'd go with a diversified index of mature, steady, dividend-paying public equities. Off the top of my head, some form of

Nat Res (e.g. BP, CVX, XOM, PSX, ET, KMI are all solid candidates)

Utilities (e.g. D, NRG, DUK, SO, EXC)

CPG (e.g. JNJ, WBA, PG, WMT)

Industrial (e.g. APD, ADM, MMM, CAT, NOC, WM)

FIG (e.g. C, JPM, V, BLK, BX, KKR, BRK)

RE (O, ESS)

HC (LLY, PFE, BMY)

Tech (generally hardware companies - e.g. IBM, QCOM, TXN, GRMN)

> matter the reason, this is ADM-level market capture.
>
>Price fixing.

They did the same thing with used cars.

They always stop short of the price actually approaching affordability for the average person.

It doesn't matter the reason, this is ADM-level market capture.

Price fixing.

They are incentivized to bottle the demand and trickle it out, not satisfy it.

And that even accounts for the debts?

ADM

As natural gas becomes cheap as dirt, fertilizer stocks (which need NG for inputs) are worth taking a look at $CF / $ADM

fuken bols went from paying MSRP + ADM on their lambo to calling back the salesman asking for a discount due to hard time LMAOOOOOOOO!!!!!!!!!!!

I bought a new car last year, it's so insanely frustrating because they all have some add on bullshit. I'm lucky to live in an area with a lot of car dealers so I spent an entire Saturday contacting 12 different Honda dealers. The paint protection is one of the standard ones almost all of them have. I only found one dealer that didn't have any add on bullshit (Honda of Seattle).

The add on bullshit varied from $900 to $2,500. My favorite was the "lifetime" battery warranty for something like $800. Well I work in the battery business and decided to pour over the fine print and they had a million ways to deny a warranty claim. Since I can get a battery at cost it made no sense, but even at retail prices it made very little sense.

The funniest was the "added dealer markup", first place I went to and did a test drive I got back and said lets talk numbers. She comes back and first thing I see is some oil change package for $1,200, ya no I only driver 8k miles a year so that is a no go. I then see $4,000 ADM and ask what that is. She says oh that's from the car shortage and everybody is charging it and the dealers in Seattle charge even more. I literally laughed in her face and walked out.

That said, let me make some suggestions: MRK; ADM; AVGO; CVS; AMGN; PEP; KR; CAT; O; PLD; PSA; RIO; TD...

Portfoliovisualizer.com

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2022&firstMonth=1&endYear=2022&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=100000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&reinvestDividends=true&showYield=false&showFactors=false&factorModel=3&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&symbol1=SPY&allocation1_1=100&symbol2=BG&allocation2_2=7.7&symbol3=PANW&allocation3_2=7.7&symbol4=DE&allocation4_2=7.7&symbol5=ADM&allocation5_2=7.7&symbol6=MOS&allocation6_2=7.7&symbol7=LLY&allocation7_2=7.7&symbol8=CCO&allocation8_2=7.7&symbol9=NTR&allocation9_2=7.7&symbol10=CALM&allocation10_2=7.7&symbol11=NSRGY&allocation11_2=7.7&symbol12=XOM&allocation12_2=7.7&symbol13=BP&allocation13_2=7.7&symbol14=DAR&allocation14_2=7.6

Stocks are:

bg
panw
de
adm
mos
lly
cco
ntr
calm
nsrgy
xom
bp
dar

It's how he is choosing them that is proprietary to him, I have to assume the more he chooses or eliminates choices over time build build statistical weight?
I will admit, without giving up anything on his methodology there no supernatural BS, in the ten or so criteria/weightings most are objective but a couple are subjective (huge issue IMO).

The big question is, if he did have a novel approach that worked, how would he be able to show it to someone without sounding like a scammer or a crazy person... He wants to keep the methodology private which means he can only show data to get someone interested enough to want to listen more, another issue.

Whew bought TF out of the $ADM dip yesterday, fertilizer for the win

Yes that is right, hoping to max it out. Seeing your comment and the one below are both suggesting I max out my HSA, I'll get on that as well.

I'm looking at my options now and I see:

-Fidelity 500 Index

-Vanguard Growth Index Adm

-Fidelity Small Cap Index

^I'm currently 99% in BlackRock LifePath Index 2060 K, should I mix one of the above into my portfolio? I don't see an option for after tax 401k contributions, should I start one outside of my employer 401k, is that allowed?

Kernel Holding

A Ukranian company that I would compare to ADM. The majority of their facilities is outside of the territories occupied by Russia.

I maintain a small position in the assumption that their durable business model will make the stock bounce back once the war is over.

20% SPY

20% QQQ

10% SBUX

10% ETSY

10% IGT

10% RS

10% ADM

10% HAL

Is my current portfolio

Am I still diversified even though I own QQQ and SPY? As long as the stocks are diversified as well?

20% SPY

20% QQQ

10% SBUX

10% ETSY

10% IGT

10% RS

10% ADM

10% HAL

Is what I'm going for...opinions? (Let's assume you like the stocks like I do. Am I diversifed?

20% SPY

20% QQQ

10% SBUX

10% ETSY

10% IGT

10% RS

10% ADM

10% HAL

Opinions Appreciated!

In order of most conservative:

• Vanguard Treasury Money Market
• Vanguard Short-Term Federal Adm
• Vanguard Short-Term Investment Grade Inst
• Vanguard Total Bond Mkt
• Dodge & Cox Income (probably tie with Vanguard Total Bond)
• Lord Abbett High Yield (aka junk bonds)
• Schwab Target 2020 Index Fund (has a portion in stocks)

Everything else is a stock fund or a stock/bond fund.

VUSXX is the only one where you can pretty much guarantee you'll never lose money. Both short term bonds will fluctuate very little. Beyond that, including that Lord Abbett High Yield fund) you can experience market losses.

However, I would pause before choosing not to invest any of your HSA. You could allocate a portion to your short term needs, and allocate the rest to long term investment growth opportunity, treating it almost like a 401k where you plan not to touch it until you're much older.

My vote is for VUSXX for cash, and the 2060 TDF for your long term growth.

Cruz says it only has 2/3 the energy of petrol which is true, but usually 2/3 the price, way cheaper yet if your car otherwise requires premium. I absolutely love e85 personally. May run like crap starting up in winter cold temps, but then again EVs have even crappier range.

I don’t see how this is about economics so I’ll continue. Yes, it boils down to money, Bayer, ADM etc., but I think most important part of this needs to be the environmental impact, namely glyphosates. Would love to see us veer away from the pesticide heavy methods we currently use (especially roundup). Perhaps plant bumper crops along Mississippi etc to help reduce nitrates into GOM (one of the many issues facing GOM)…

Cruz is just scared how he perceives ethanol threatens his precious petroleum industry

Ethanol is a classic "bootlegger and baptist" partnership. (The term originates from the two unlikely advocates of Prohibition). Big Ag (ADM, ConAgra, etc) found a way to get environmental activists on board with a massive train of government money.

And the only downsides to ethanol? It's worst for our cars, worse for the planet, and makes all our food more expensive. But that's a price the massive Ag Corporations are willing for you (and all of us) to pay.

Gotta hand it to them on the marketing side. They can get all these politicians to trick people into thinking their supporting a small family farmer when it's really just billions in corporate welfare.

ADM

These are the other options available:

• Aberdeen Physical Gold ETF (SGOL)
• Invesco DB Commodity Index Tracking Fund (DBC)
• Invesco QQQ Trust (QQQ) iShares 0-5 Year TIPS Bond ETF (STIP)
• iShares Core International Aggregate Bond ETF (IAGG)
• iShares MSCI KLD 400 Social ETF (DSI)
• iShares MSCI USA ESG Select ETF (SUSA)
• Real Estate Select Sector SPDR ETF (XLRE)
• Schwab Short-Term US Treasury ETF (SCHO)
• Schwab US Dividend Equity ETF (SCHD)
• Schwab US Small-Cap ETF (SCHA)
• SPDR Dow Jones Industrial Average ETF (DIA)
• SPDR S&P 500 Fossil Fuel Rsrv Free ETF (SPYX)
• Vanguard Cash Reserves Federal MMkt Adm (VMRXX)
• Vanguard Emerging Markets Govt Bd ETF (VWOB)
• Vanguard Growth ETF (VUG)
• Vanguard Intermediate Term Govt Bd ETF (VGIT)
• Vanguard Mid Cap ETF (VO)
• Vanguard Value ETF (VTV)

I bought more ADM calls @ close

Wtffff i have such bad luck

Simple 3 fund portfolio:

VBTLX Total Bond Mkt Index Adm VTIAX Tot Intl Stock Ix Adm VTSAX Total Stock Mkt Idx Adm

The asset allocation should be based on your age and risk tolerance.

Don't forget ADM premium.

I own ADM, RS, and IGT. I have $2500 In core cash and want to add a Tech Nasdaq stock to my portfolio. Recommendations?

I sure hope so. Ford has a lot of vehicles I’d shamelessly buy just because they’re cool, like a possible future electric Bronco. But with ford’s current dealership model it will be $50k MSRP plus $25k ADM, 2 year wait and then the dealer uses it as a demo before handing it over to you

It's an excellent beginning for a young self-made! I'm 27 y.o, not from the U.S., but a big part of my money was made selling online stuff (mainly, in Spanish).

Basically, the public isn't conscious and sophisticated like Native English. A lot of great offers, with nice USPs (Unique selling propositions), are running by ads, right now.

If you learn the basic of sales techniques, copywriting, traffic management, product development, and business management (ADM) - what you were studying for a couple of years...

You really can create offers, spending little money... so, after that, you find the best source of traffic (thinking in terms of main public, prospects - for example, youtube ads for advertising through videos, FB / Instagram are more versatile, native ads is better for text sales letters...)

Making the offers reach thousands of people, you will have data to analyze and if it is not selling, converting... you should remodel the angle of the storytelling...

Having a lot of SaaS you can see the total traffic that started to watch when some part of them stopped, and, literally, the retention from time 00:00 until the last second.

Always present the offer with an informational content (buttons - call to action - with delay)

First, you need to turn unconscious people into consciousness... Turning complex ideas/solutions into simple ones. The unique selling propositions and the "reasons why" in the message, have to be clear and drive the prospect's thoughts, objections, and fears to the clarity of the solution.

So, when you find some offers that communicate well with the prospects, you will be rewarded by value generation and can turn each $1 dollar invested into more than $1, always calculating what your business math needs to pay for imposts, taxes, amortization, operational costs and so, have a good income.

Having a ROAS (1.9x), for each $1 dollar (input), you get $1.90 (output)

For example, with a budget of $10k -> $19k (ROAS = 1.9x)

If you pay 30% of revenue in imposts, taxes... ( - $ 5.7k)

Spent $ 10k buying media and developing offer... ( - $10k)

Basically, at the final your income will be [ 17,36% ] of the revenue [ $ 19k ] = ~ $ 3,3k

The initials are $10k and now is worth more than $13.3k [ ~ +33%] or [1.33x = ROI]

But the input is not limited to $10k for some ROAS like this.

And some great points of this business model:

You can 'exchange' money every day, 24/7...

The frequency you can make it is not limited...

Focusing on becoming better, day by day, at some point, you will be able to replicate in high frequency, build a short team, and make tons of money at the rhythm your level allows you and your team.

ADM doesnt get much love but they are the largest ethanol producer in the US

Clown posts bio/pharma stocks Adm talks about xxx% returns YOY. Clown forgets that bio pharma are typically binary plus and it depends on the study/drug completing or getting approval.

Elaborate on what? I'm just asking for people's opinions on ADM (Archer Daniels Midland) stock.

The problem is the power they hold. Tax issues are a secondary concern. Antitrust laws should be beefed-up and reinforced. Too much market consolidation is the core problem. It has resulted in an anti competitive marketplace and too much price-setting power. Tyson, Monsanto, Amazon WalMart, Google, Cargill, and ADM should all be broken up.

I would add agriculture -- ADM, BG, NTR people gotta eat, and the US is a powerhouse at corn and soybean growing.

If you want to invest for future food shortages, put your money into big Ag companies like ADM. They will make a killing as food prices rise.

Thanks, appreciate the comments. I would say IBM and MCD are there because they held up last year. I think there is the fundamental analysis and then there is the actual price performance, and mcd and ibm are the latter. Not that this is a good reason to hold a stock, but I’d say in their defense that no one will be able to beat mcd on price and they will lead the way with tech (leveraging their app and robotics). I understand the IBM hate, however I’d argue that they may be gaining access to some prime data sets in hospital partnerships that could be extremely valuable when discussing AI development, but I agree that I’m not actively buying them and wouldn’t be recommending them given the fundamentals. I’m a big believer in letting the winners ride (if they are established blue chips) and that’s probably how IBM is still in there.

AOS feels like a pseudo monopoly but I wasn’t aware of the china stuff and will have to look into that.

GIS is strictly more of a diversification play and a safe dividend that you can toss money at when everything else is on fire. Same idea with ADM. I think the stocks you dislike the most are those that have been performing the best recently (past year), and make the most sense in the context of a decent recession. So I would agree that these are probably overpriced atm, but in the larger scope of a balanced portfolio I think they might make more sense (at least gis and adm) long term. They will help to smooth the volatility. I think if I were trying to predict the stocks that will perform best in 2023 I’d bet msft, aapl, txn, c…but I’m also trying to set it and forget it at some point and just let it drip until retirement.

Again thanks for the response

I hold many of the same. Got out of AOS few days ago. They seem to have some fun y accounting in China going on (70% of their sales are in the US but they keep almost all of their cash is locked in China for some weird reason plus other stuff). Also housing market is wearing. I don't think AOS will do well.

IBM is bag of dicks. It's a "tech" stock for people who don't understand tech. I'm sorry, I'm not being rude to you but it's just how it is. They also can't afford their dividend and threat their employees like absolute trash. Stay away.

ADM very cyclical. Agri can be quite volatile. Unless you are crazy about dividend investing why bother.

Love CME. Love that CME's CEO just called that FTX guy a scammer when he asked to invest in his BS exchange (this as before the collapse). Look into CBOE too. Very similar to CME. Both good companies.

GIS why bother? How fast is cerial business going to grow? Move the money you have allocated to GIS too VOO and you will be better off.

MCD fallen angel. Piles and piles of debt. Basically grey EPS over the past decade only by borrowing and buying back shares. Stay away.

ECL. Bill Gates' stock. Still have to figure out what it's all about.

TXN is one of the best semi business that Reddit don't know about. Also look into ADI. Similar, very good business. Own both.

NKE. Like them a lot but too expensive. Not buying shoes business for 35x earnings. Been buying Adidas instead but will buy NKE when it eventually falls.

Sorry long post but I donown many if the same or have done serious DD on some of those. Natural, good pics, A+ from me lol.

Long list but these are my current holdings that have evolved with my portfolio (500k+): AAPL MSFT CSCO TXN QCOM SHW AOS ECL ADM GOLD AFL CME C MCD NKE MRK PG IBM TGT GIS CGM

All of the above stocks pay a decent dividend (CMG doesn’t pay a dividend) with a long history of success and strong balance sheets. Of the above companies only MSFT, TXN, CSCO, C, GOLD currently hold more cash than debt on their balance sheets. I’d say I’m very bullish on these, as well as MCD.

Feedback and thoughts appreciated. I know adding a leader in energy will happen at some point, but will wait for a pullback.

I think they are allowed to expense the principal debt over the life of the loan/bond. You can see it on the income statement as depreciation/amortization.

Ex: mpw expenses: interest 88 mil Amortization/depreciation:81mil Property related 8mil General adm:37mil

I believe the depreciation/amortization line allows them to retain enough earnings to cover it when the principal comes due. Not a reit expert though so I could be mistaken

You could easily do a 3 Fund portfolio with:

FID 500 INDEX (FXAIX)

FID INTL INDEX (FSPSX)

VANG TOT BD MKT ADM (VBTLX) - if you want to hold any bonds currently

For US holdings you could also do an 80/20 split of the FID 500 index with FID EXTD MKT IDX (FSMAX).

With everything that's been going on, I think they're planning on kicking the bucket to the next adm.

Adm8nistrative cost. They will automate the adm8nistration and definitely run subsideries that pay fees to some head iffice 8n some better run country.

reddit is usually 3 - 6 months behind the institutional market (or at least the folks that work in public markets for a living)

If reddit is hyping something, it's time to sell - off the top of my head, the popular picks in late 2021.....

• META
• NVDA
• TSLA
• AMD
• any renewable energy company (bonus points if it's an energy company that requires 10 figures in capex to build a single facility + 10 years to get through regulatory permitting processes - nuclear or electrolysis-based hydrogen in Europe/Asia are good examples)
• Any LNG company that's not LNG / CQP, especially if prompt month gas futures are way up.....most of reddit doesn't really understand how tolling business models work for LNG gasification facilities or how to take advantage of changes to Henry Hub strip pricing in general - TELL, SRE, GLNG are good examples
• PLTR
• commercial weed pureplays / any WeedCo that's not PhillipMorris, Altria, or any of the traditional big tobacco names
• Gaming peripherals like CRSR

And, if reddit is shitting on something, it's definitely time to buy - popular themes from 2021 below....

• Any traditional energy company / supermajor - XOM, CVX, SHEL, BP
• Although, reddit weirdly has not figured out energy tickers beyond those that have retail gas stations like AR, SWN, EOG, CHRD, ET, KMI, PBF, etc. Seems like OXY is the only one that regularly pops up here, but I credit that to WB's involvement with the company
• Value ("boring/boomer/old economy") stocks, especially if they pay a steady divvy - JNJ, WMT, COST, MCK, CAH
• Any "hot" sector that's not at the beginning or end of the value chain - TRGP, WMB, AM, ADM, LIN, APD

I should at least get some credit for bringing up ADM. It is a stock rarely discussed on this sub.

I did that myself with two positions. Im not sure if we are supposed to name stocks or be vague but it was a health insurance stock.

With ADM im trying to wait and see approach and it hasnt worked it keeps going up while other stuff in tech sector go down.

Depends on the stock ADM and stuff I referenced like PEP, KO, UL, CL. Havent had 10% or more dips often over the last year.

Move on to the next one, I can't think of a single stock that's worth overpaying for when there are so many other options. I own ADM and even took some profits.

How do you all deal with stocks you want to buy on watchlist that just dont have dips.

Been looking at ADM for example I missed the June-July dip and it hasnt been below $80 since.

You could do the appropriate target date fund if you want to be hands off. 0.4% or so is somewhat high, but far worse exists.

For a DIY, you could build a 3 fund concept out of:

>SWPPX - Schwab S&P 500 Index - 0.02%

>VIEIX - Vanguard Extended Market Index Instl - 0.05%

>VTIAX - Vanguard Total Intl Stock Index Admiral - 0.11% (congrats on having a good ex-US fund available in the 401K!)

>VBTLX - Vanguard Total Bond Market Index Adm - 0.05%

Step 1: Determine stock to bond ratio. But the bonds in VBTLX.

Step 2: Figure out US to ex-US ratio (40% of stock is basically the current global market cap weight and a reasonable starting position), put the ex-US percentage into VTIAX

Step 3: Within the US, https://www.bogleheads.org/wiki/Approximating_total_stock_market

So a 60/40 US/Ex-US ratio (with US rounded to 80/20) with 10% bonds would be 10% bonds, 36% ex-US, roughly 43% S&P 500, roughly 11% extended market.

Reits (O, MPW), ETF (QQQ, VOO, VTV, VUG), blue chips (not tech like ADM, PEP, YUM, CAT, HD, MMM)

Nope. Both coming down. ADM will be a thing of the past. Dealers cannot control who is buying what, and ain't nobody buying shit for the next 2-3 years.

I found 11 on my watch lists, not including inverse ETFs. Notables are: DE, BABA, ADM

As with any food there are regulations depending on where you manufacture and where you sell. There are bulk ingredients suppliers for the food industry such as ADM for the larger scale operation.

UNH, ADM, and PG.

On 12-13, after a big market drop, Cramer said, “We know a bounce may not directly be in the offing,” he added. “But the bottom line? We sure weren’t selling.” When he said that (12-13), S&P closed at 4,038.10. On 12-16 the S&P closed 3,852.36.
On 12-14, the day after the big drop, here's what Cramer recommended:
Buy XHB at $62.95. On 12-16 it's $61.60. loss 2%
Buy CFLD at $103.57. On 12-16 it's $99.07. loss 4%
Buy ADM at $92.46. On 12-16 it's $92.31. loss 1%
Buy CPB at $57.00. On 12-16 it's $57.06. profit .1%
Buy EL at $249.22. On 12-16 it's $240.94 loss 3%
Buy STZ at $239.92. On 12-16 it's $232.52. loss 4%
Buy MRNA at $210.98. On 12-16 it's $193.29. loss 8%.

These are the options I have:

American Funds 2010 Trgt Date Retire R6 American Funds 2015 Trgt Date Retire R6 American Funds 2020 Trgt Date Retire R6 American Funds 2025 Trgt Date Retire R6 American Funds 2030 Trgt Date Retire R6 American Funds 2035 Trgt Date Retire R6 American Funds 2040 Trgt Date Retire R6 American Funds 2045 Trgt Date Retire R6 American Funds 2050 Trgt Date Retire R6 American Funds 2055 Trgt Date Retire R6 American Funds 2060 Trgt Date Retire R6 American Funds 2065 Trgt Date Retire R6

Columbia Overseas Value Instl 3

JPMorgan Emerging Markets Equity R6 Vanguard Developed Markets Index Admiral MSCI EAFE Index Small Cap Funds Putnam Small Cap Growth CL R Vanguard Small Cap Index Adm

Wilmington Trst Franklin Sm C Val CIT R Russell 2000 Index Mid Cap Funds Mid Cap Growth Fund Fee Class R1 Vanguard Mid Cap Index Fund - Admiral Vanguard Mid-Cap Value Index Admiral S & P MidCap 400 Index Pioneer Large Cap Value R1 Large Cap Funds Vanguard 500 Index Admiral Wilmington Trust Franklin Dyna Tech R1 S & P 500 Index DFA Inflation-Protected Securities I Metropolitan West Total Return Bond Plan PIMCO Income Instl PGIM Global Total Return R6 Bond Funds Bloomberg Barclays Cap US Agg Bond Idx Key Guaranteed Portfolio Fund

These are the options I have:

American Funds 2010 Trgt Date Retire R6 American Funds 2015 Trgt Date Retire R6 American Funds 2020 Trgt Date Retire R6 American Funds 2025 Trgt Date Retire R6 American Funds 2030 Trgt Date Retire R6 American Funds 2035 Trgt Date Retire R6 American Funds 2040 Trgt Date Retire R6 American Funds 2045 Trgt Date Retire R6 American Funds 2050 Trgt Date Retire R6 American Funds 2055 Trgt Date Retire R6 American Funds 2060 Trgt Date Retire R6 American Funds 2065 Trgt Date Retire R6

Columbia Overseas Value Instl 3

JPMorgan Emerging Markets Equity R6 Vanguard Developed Markets Index Admiral MSCI EAFE Index Small Cap Funds Putnam Small Cap Growth CL R Vanguard Small Cap Index Adm

Wilmington Trst Franklin Sm C Val CIT R Russell 2000 Index Mid Cap Funds Mid Cap Growth Fund Fee Class R1 Vanguard Mid Cap Index Fund - Admiral Vanguard Mid-Cap Value Index Admiral S & P MidCap 400 Index Pioneer Large Cap Value R1 Large Cap Funds Vanguard 500 Index Admiral Wilmington Trust Franklin Dyna Tech R1 S & P 500 Index DFA Inflation-Protected Securities I Metropolitan West Total Return Bond Plan PIMCO Income Instl PGIM Global Total Return R6 Bond Funds Bloomberg Barclays Cap US Agg Bond Idx Key Guaranteed Portfolio Fund

I'm up about 11% since 11/1/21. I'm up 1.5% YTD. I hold almost exclusively dividend stocks. I moved out of pharmaceuticals in January and bought more ETFs and consumer discretionary stocks (e.g., KO, ADM).

ADM

I have a handful of large cap stocks I think are low risk at the right price, but I am not buying just yet. Risk should always be price adjusted, despite the reasons for DCA that most here always espouse.

Personally, I think ADM, KHC, BRKB, MOS, AAPL, and VZ (unpopular opinion) are all great companies with near guaranteed future cash flows, but none of them are a buy at current prices.

Having said that, I have a smaller account (traditional IRA) that I do DCA into broad index funds just in case Mr Market makes me a fool.

ADM down 6% for any particular reason?

Exporting more than you consume isn't a bad thing. Someone needs to prop up INTC and ADM

You can use those stickers when the Biden adm. sets us off to WWIII with Russia

Here are my go to recommendations HOWEVER, MOST ARE OVERVALUED AGAIN SO DO NOT BUY TOMORROW. (EVRG and FE are the only ones not overvalued)

Industrials: HON, CMI, SNA (all overvalued again but buy during the next dip) and WHR

Consumer staples: PG, REYN (overvalued again, same drill as above), K, GIS, ADM

Banks/financials: BAC, COF, JPM (COF doesn't seem as overvalued right now), RY, TD, BNS, BX, BLK

Insurance: ORI, AFL, UNH, CI

REITS: WPC, PLD, DLR, O

Retail: BBY, LOW, HD, TGT (would only touch HD and LOW again when they drop, HD just had a massive runup. Good in general but not this second)

Transport, UNP, UPS, R (R is especially overvalued right now, but buy it when it goes back into the 70s)

It may also be a good time to get into MDT but it's not going to rebound quickly

AMGN if it dips will be a good one to get back into

ADM owns our food. BG also has a good chunk of it. JBSAY was a lion's share of meat.

I don't think "sustainable" is a particularly key word investment wise. When you are talking about inflation and food price pressure the less-expensive-in-the-shore-run options would figure to be stronger.

Food is always needed. Your portfolio is hungry. ADM is nice

They don’t grow a huge amount if you’re a buy-and-hold investor. They’re supposed to be for their dividend. So they went up high when interest was zero but haven’t really come down hard yet (though they dame down a little). They peaked due to TINA (there is no alternative) but now aren’t reacting as much to yields being high. Regardless of whether the pace of increases is slowing, the interest rate is still high, so people should want to be moving some money to bonds principal. Right now the only cheap utility is EVRG everything else is fairly priced which, in a “crash” and high interest environment there are usually a bunch being dumped.

Similar thing for K and GIS and ADM. they’re supposed to be safety plays but now they’re up AND riskier stocks are up

GILD ADM and MSFT. + yours minus Google

As a dividend value investor, I’m dying for a period like that market reaction in 2018.

That was sort of ironically more lucrative than this year and on par with the covid crash

People were acting like dividend investing was dead. I remember buying SO at a 5 percent yield and ADM at a 4 percent yield and wondering if I was buying yield traps

> are dividend stocks still worth it?

This question drives me nuts. Because a company pays dividends, does not make it good.

When a company gives out dividends, it is in lieu of investing in itself.

There are some great dividend stocks and my personal opinion is that long term, regular, dividends are one indicator that a company is a certain way. I love this and have a few of them (ADM & BF.B) and love em.

There are plenty of charlatan companies who give dividends trolling for yield freaks.

Invest in dividend companies if you feel the company is going to preserve your value. Treasuries are safer.

I have a system.

ADM and BG own food, like all the food...

ADM has been steady and seems to be gaining even more. MRK, JNJ, PFE have been steady too.

Twitter was probably my best for the time in. I sold some earlier, but I dumped the rest of my crypto in March. I feel pretty good about that. ADM was probably my third.

SEMR is my dumpster fire, but I still feel great about it.

If I were just sort of buying and forgetting I would aim for companies that I had a relatively high degree of confidence in still being positioned similarly or better 10 years from now.

In tech I would be most inclined towards Amazon and Microsoft probably. I don't think Apple is a bad choice but I have always had some skepticism about it being the Oldsmobile or Cadillac of tech. A huge part of its value comes from high end consumer loyalty and if that loyalty fades it would end up very overvalued. Mind you, I'm not saying this will happen, just that it is a risk. With Google I am quite confident that they will stay at the center of innovation for the foreseeable future. My concern there is that the way they are monetized (ads) doesn't have a lot to do with innovation. So, if ad revenue takes a big and lasting hit (which is a known risk) then you could end up with a much bigger version of our well known Not Incredibly Profitable Really Cool Disruptor type of company.

The other way I could go is just very basic basic products, like food (ADM, Bunge), liquor (MGPI), or electrical utilities (e.g ED, BKH, etc.).

April bought all PUTS JAN 23 WMT $115’s $2.00 sold July $3.50 MSFT $190’s $4.75 sold July $3.75 DIS $90’s $2.50 sold July $$5.50 BA 120’s $4.00 sold July $8.80 Then in July bought Googl $96 for 5.50 sold Nov $9.00 Meta $110 for $6.00 sold Nov $20 AMZN $110 August for $4.50 sold Nov for $19

Also hit Fedex 2 earnings ago but weekly calls then Lost on ADM lost on MU hit on Nike Puts twice, SLB calls where an easy one when they said the wher going to take a million barrels out of production lol. Then wrecked LCID puts I will know how much in an hour. I loaded up on 11.50, 12 and 12.50 yesterday. Next I’m going long on BA $220-$250 Jan 23 calls.

Gave you a lot of info. What do you like coming up. I think we can have a party in pharma earnings this week

Some pharma, some food (ADM has grown for me 25% ytd. Waiting for a pull back

The global average +1.5 doesn't worry me as much as the rogue events that come with it. The scenarios I worry about most is that we're already seeing statistically significant increases in "once in a century" weather events. When those start happening annually in multiple regions, the likelihood that they'll hit key breadbaskets at the same time goes up year over year. With 1.5 C on the table, it becomes pretty likely that it will happen prior to 2030.

Once that happens you have two similar scenarios. One was modeled by FEMA and the DoD 6 or 7 years ago in conjunction with a group of the big food and ag companies. Mars, Cargill and ADM I believe but there were others onboard. The other was a Lloyd's risk analysis. They were called Food Chain Reaction and Food System Shock. There's a public facing version of both out there but I was at the ag summit so it's the one I think about more. Both involve the price of food spiking up suddenly and staying there for a prolonged period of time. If world governments cooperate and work together prices only go up by 300% and come back down in under 36 months and only a few hundred million people starve to death. If they don't, which it seems like they wouldn't, the outcome ranges from more than a billion dead by 2030 and war on every continent. The reports don't really cover the high carbon footprint of warfare but once that gets out of hand, much worse scenarios are on the table. I might have missed it, but I don't remember seeing the GHG footprint of WWIII in any of the IPCC models.

I think we'll see a sneak preview of what these acenarios will look like this winter if Putin is able to weaponize grain as much as he seems to want to. The war in Ukraine basically meets the criteria for one of the concurrent events you would need to trigger the reaction.

Other than that, I generally think we underestimate how much climate change is contributing to our current level of instability and how quickly it will ramp as progressively worse scenarios lock in.

adm holding group in cyprus provide all seo products and ads. they did for me 2 google ads / PPC campaigns and they have been a huge help. check them out

The cheapest they offer is VIIIX at .02%.

Offerings include: Putnam Stable Value Fund, Fidelity Total Visor Fund 2, VIIIX, T Rowe Price Dividend Growth, JP Morgan US Value R6, Fidelity Growth Comply Commingled PI, Vangaurd Extended Index Adm, Janus Henderson Enterprise, Fidelity low priced Stock Commingled, Columbia small cap value fund 2, Clearbridge small cap growth, t rose price international, American funds capital world, and a bunch of Fidelity K6 stocks

Unfortunately, things might not get better. Feds are not going to stop increasing interest rates to stop inflation, and stock prices might go down. My portfolio (while its a simulator) has ADM, AZO, CI, EOG, GPC, and ORLY. 1% gain today 😐. Used finviz to find stable trending stocks.

Company|Archer-Daniels-Mi... ($ADM) -|- Market Cap|$52.1B Revenue (L12M)|$98.7B Profit Margin|4.2% PE Ratio|13.09 Dividend Yield| 1.7% EPS|7.25 Return on Equity|17.8% Beta|0.793 Current Price|$97.52 Analyst Price Target|$100.08 (+2.6%)

Want more info? Just reply with command + ticker:

1. status - short-term trend
2. funda - company fundamentals
3. zoomout - long-term trend
4. macro - macro trends (No ticker required)
5. vs - Compare performance of any two stocks/indices e.g AAPL vs TSLA, GOOGL vs SPY
6. help - see list of commands

Examples: u/askstockbot status AAPL, u/askstockbot TSLA vs GOOGL

/u/askstockbot funda ADM