Finance Thread - What stocks are you in, etc.

Trunk Monkey said:
Is that a Missouri thing? Interesting. I didn't know about the need to re-title vehicles for a TOD.
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It depends on the state. Tennessee allows you to title a vehicle as "John Doe OR Jane Doe". The "OR" means that either person can sell or re-title the car without the other one's signature, alive or otherwise. When my FIL died, my MIL didn't have to do anything to her cars since they were listed as "OR" co-owners.

It also allows you to remain as the original owner and not have to re-title or present a death certificate when your spouse dies. A trust can be the second half of the "OR" equation, however its not shielded from litigation or probate if your name is still on it even with the "OR".

They also allow you to title it as "John Doe AND Jane Doe". The "AND" obviously means both parties have to sign off.
 
Trunk Monkey said:
Is that a Missouri thing? Interesting. I didn't know about the need to re-title vehicles for a TOD.
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It is a Missouri thing, but i wouldn't be surprised if other states do it. On the titles I have already done, I the the TOD point to the family trust.

Can also do the co-owner thing above here in Missouri.

A.I. says this:
Screenshot_20250724_183750_Google.jpg
 
I don't believe NC has anything like this. In all my experiences, dealing with dead relatives and their estates in NC is a massive PITA.

Irrevocable trusts are the way to go over there.
 
Here's a tool I just found out about NAIC Life Insurance Database

Learn How to Use the NAIC Life Insurance Policy Locator

Find lost life insurance policies with NAIC’s free online tool. Search by name, date of birth and Social Security number.
content.naic.org content.naic.org


Considering that sometimes credit unions have small death benefits ($2K-5K) you might not know about, this can't hurt to track down the random life insurance or annuities you might not be aware of.
 
At one point, I was up around 200% on Enphase Energy and for some reason, I still hung onto it after Trump came back into office. Prior to the end of trading on Wednesday, I dumped my entire position for a 20% loss and packaged it with getting rid of my entire position in Adobe, which was up about 80% at the peak of my ownership and I exited it up 20%. The combined sales nearly cancel out and will result in about $250 in long-term capital gains. Despite not cashing out what was at one point an easy 5-figures, I can't say that I have too many regrets since my overall portfolio is doing way better now than when I was up on Enphase.

I've been bearish on Adobe for some time now because they got left at the station when the AI hype train was boarding, people hate their subscription model even more than that of any other company, and their software seems to have stagnated and faces stronger competition these days. As for Enphase, they aren't worth another glance with this current administration in office.

I haven't had much time or interest in stock picking in the last few years. If anything, I need to work on cutting more of my underperforming individual stocks and moving that money into large cap growth funds. I'm not committed to merely coasting on mutual funds and ETFs going forward, but I'm well past achieving my original goal when I started investing, which was to supplement my then-shitty income for my line of work in 2017 and get myself caught up to where I feel like I should be.
 
Not familiar with Enphase. I'd be bullish on ADBE sub 300. It currently has a floor of support around 330 or 332.

For an AI play yeah, there aren't many left that haven't left the station. The other sector that I'd be looking at is Quantum computing. GOOG would be my play on that one. I've also got my eye on D-Wave (QBTS). It came onto my radar just before it took off. It still has a PT of $26 implying about 53% upside. I'm watching this one for a pull back.
 
Trunk Monkey said:
Not familiar with Enphase. I'd be bullish on ADBE sub 300. It currently has a floor of support around 330 or 332.

For an AI play yeah, there aren't many left that haven't left the station. The other sector that I'd be looking at is Quantum computing. GOOG would be my play on that one. I've also got my eye on D-Wave (QBTS). It came onto my radar just before it took off. It still has a PT of $26 implying about 53% upside. I'm watching this one for a pull back.
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Some of my holdings are the result of more direct knowledge about the industry than a stock picker's typical market research, and Adobe falls into that category. There is nothing compelling about Adobe's product stack right now and they've got nothing substantial in the pipeline. I couldn't care less about their fundamentals. The company is about as compelling as modern-day GE, therefore, go toss that money into a reliable index fund instead. Nobody's getting rich from investing in Adobe.

Industry knowledge is why I was in on Nvidia long before old Jensen Huang had a server farm, AI-AI-o, and all these idiot investors and the president embarrass themselves by not being able to correctly pronounce the name of the company, which I might emphasize is the most valuable company in the world by market cap. They can go sit in their Teeslas, crack open a Diet Cocka-Coola, and STFU.
 
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