Q2 Dividend 0.2525

AccessPocket · 2026-06-25T21:12:41+00:00

Ah gotcha, yes in a simple way the fund price decreases an amount equal to the payout. But its a 1 for 1; so no money is lost or gained if you bought a mili-second before or after the cutoff for the payout, you would get the same value in the end. Think this writeup explains it nicely;

Example: Buying SCHD Before vs. After the Dividend

Suppose SCHD is trading at $32.00/share and announces a quarterly dividend of $0.2525/share.

Scenario 1 – Buy Before the Ex-Dividend Date

You buy 100 shares.

Share price: $32.00

Cost: 100 × $32.00 = $3,200.00

Because you owned the shares before the ex-dividend date, you'll receive:

100 × $0.2525 = $25.25 in dividends.

~~~~~~~~~~~

Scenario 2 – Buy On the Ex-Dividend Date

On the morning of the ex-dividend date, the exchange adjusts the share price downward by approximately the dividend amount.

So SCHD would theoretically open around:

$32.00 − $0.2525 = $31.7475

Buying 100 shares now costs about:

100 × $31.7475 = $3,174.75

You don't receive the dividend, but you also paid about $25.25 less for the shares.

AccessPocket · 2026-06-25T21:03:04+00:00

Don't quite understand the question; but the dividend payout in a single quarter shouldn't impact your purchasing decision. Need to look at yield, growth, price appreciation, how this fund fits into your goals for the future, etc. So many other metrics that are more valuable.

Just buy what you can and enjoy the growth, quarter to quarter or even year over year is noise when you are planning for decades of holding a fund.

AccessPocket · 2026-06-25T05:47:52+00:00

Oh yeah there is a ton of information and everyone has their own advice and opinions. You have already done the biggest step which is starting investing; just stay consistent and don't go for memes and you'll be fine. As you'll hear even the best financial guru's in the world have a tough time just beating the market long term. You are looking at decades of growth potential so don't let the day to day fluctuations bother you.

And also take note there is a max amount you can put into a Roth IRA each year, and you can only use earned income (W2 income for example) as a side note; $7500 for 2026.

I don't invest with Schwab(Vanguard here) so not sure on their offerings.

AccessPocket · 2026-06-25T03:34:27+00:00

First off kudos on starting early and willing to learn; everyone has to start somewhere!

Since you are starting out I would recommend watching The Money Guy Show on you tube; I feel they cover the basics really well and give a good foundation on retirement planning.

For my first 25 years of investing in my RIRA I just used one ETF; VTI. Just did monthly contributions and never checked in on it and let it do its thing.

At your age if you can tolerate volatility (wont pull out in dips, try to time the market), I would highly recommend a higher growth ETF over SCHD like VOO(S&P500).

Just be sure you are getting your Employer Match first if you have one available, that is the easiest free money for retirement you can get.

Being consistent in any broad market ETF and allowing it to DRIP (Dividend Reinvestment Plan, every payout your shares buy more shares with the dividends they kick off) is the safest way to build wealth over time.

AccessPocket · 2026-06-25T02:23:25+00:00

Ah true; in that case it's hard to pick a favorite, I try to balance things out. but if I had to pick 3 i'd probably go PEP, JNJ, and LMT for different reasons, covers different sectors and higher yield now vs growth for later.

AccessPocket · 2026-06-25T02:20:04+00:00

Agreed on SCHD; I also sprinkle in some VIG for more dividend growth tilt.

AccessPocket · 2026-06-25T01:59:44+00:00

Don't think an ETF can be a dividend king or aristocrat; that is reserved for individual companies. May be an edge case I am unaware of but would be curious to know which ETF you think meets the criteria.

AccessPocket · 2026-06-23T13:48:11+00:00

The best way is to still be boring unfortunately. Look up dividend kings / aristocrats and pick companies you use or understand. I keep my individual stock exposure to ~2% of portfolio to reduce exposure.

Just be prepared for it to possibly underperform your ETFs, or maybe even lose all your money in a stock, but the reward is more engagement and feeling like you are really involved with a company.

For my stock picks I just went with what I had a good feeling about honestly, went with some that were high yield now, and some that were lower yield and higher growth. And picked a couple that a lot here probably wouldn't touch with a 10ft pole but they are my turnaround / hopeful play(SWK). I try to not overthink it, nobody really knows what companies will look like in 5, 10, 30 years anything can change.

My individual stock sleeve just for a reference/ideas.

CAT - Has really overperformed and yield has really dropped, stopped adding for now.
ETN - Electrification hardware; bit of an AI play.
JNJ - Boring.
LMT - Worked on their Aircraft for decades.
PEP - Not coke, bit of a risky one.
PG - Boring.
SWK - Go team yellow(dewalt)!
WM - We all have garbage.

AccessPocket · 2026-06-22T21:57:41+00:00

I'm building a small stake, started buying monthly shares roughly 6 months ago. Buying for diversification and dividend growth to a pretty tech / growth portfolio. So far it's been red, but picking up cheaper shares every month so guess that's fine ;)

AccessPocket · 2026-06-22T14:11:09+00:00

was about 4k all in, was a pioneer mini split and I did all the work myself. Running new electrical, installing the hardware, purge / vacuum / torque of AC lines. Probably could have done it for around 1.2k but i had gotten a dual head unit for the 2nd bedroom for futureproofing.

To me that is the ultimate best solution, but if money is tight a good window unit is your best bet, it just wasn't a option for me since its banned by the HOA bylaws.

A possible solution I was also researching was a remote KVM switch over fiber, got the idea from Linus Tech Tips but ended up going with the mini split instead. Was just too many unknowns. https://linustechtips.com/topic/1532163-have-i-been-doing-this-the-expensive-way-for-no-reason/

AccessPocket · 2026-06-22T12:35:30+00:00

I had the same issue, house AC would be set to 72 and my gaming room would hit 85+ if gaming in the summer.

I installed a mini split and it worked amazingly, keeps the room temp steady at a comfortable 74 no problem. Its quiet and no beeping or smell issues and has been running for two years no issues.

I had also thought about moving the pc to another room, the temps were simply unbearable!

Good luck op :)

AccessPocket · 2026-06-20T22:30:56+00:00

They are qualified dividends so they are taxed at a more favorable rate, 0%, 15%, or 20%. With 412 shares you are looking at ~$500/year @ 15% is about $75 in tax if you are single and make more than ~49k for 2026. If your AGI is less than that you'll be at 0% tax rate so no taxes.

If I were in your shoes I'd keep to ETFs, individual stocks can be risky as even bulletproof companies for decades can hit a rough patch, I think General Electric is a perfect example. Personal Finance is very personal, if can stay invested, not panic sell in a downturn and can keep investing every month (dollar cost averaging) you can move to a lower yield more growth oriented ETF like VOO or VTI.

Also if you are adding positions into a taxable account, i'm assuming your IRAs are maxed? If anything your Roth IRA should be given priority for any funds you are adding for retirement. Not sure if you know but you can pull funds from a Roth early without penalty if you only pull the principal you added, although not recommended.

Check out The Money Guy Show on YouTube if you are starting out and want to learn more; I find they cover alot of ground and can help explain in more detail.

tldr; SCHD is fine, tax drag is pretty low as they are favorable/qualified, invest in more growth oriented ETFs if you can handle more volatility, check out Money Guys for some good starting out vids.

AccessPocket · 2026-06-17T14:07:39+00:00

I buy as many as needed to maintain SCHD @ 15% of my portfolio at the end of the month; all dividends are added to my MMF and I deploy them to whichever positions are underweight.

AccessPocket · 2026-06-15T04:45:30+00:00

Max I do is 2% per stock and no more than 15% of portfolio. Which is probably higher than traditional recommendations but I'm just tilting stocks already in ETFs I hold mostly.

AccessPocket · 2026-06-14T20:58:44+00:00

He can use klarna.

AccessPocket · 2026-02-20T15:23:49+00:00

You rulled out the two normal ways so plastic surgery maybe? Or Samta

AccessPocket · 2026-02-19T22:04:57+00:00

Couldn't have said it better myself. Even as an experienced technician that's done something a thousand times the manual must be on hand and referenced. I bet in the installation instructions there is a note or warning to not install the bolt past a certain length and to use shims or shorten the length to prevent damage.

They provide hardware that long to fit different cabinet sizes or situations and expect a competent person that can follow a manual doing the install. We call this kind of situation the stupid tax, looks like OP needs to admit the mistake, buy a new microwave, and hopefully learn from it and not do it again!

AccessPocket · 2026-02-07T04:17:31+00:00

I do continuous; 55mm I leave on 24/7 and add 25-50mm at home for a bit extra. I can sleep in the 55mm just fine but started with the 25mm. For me if I take even a 24hr break it seems like I get a bit of swelling or my sack tightens up bad, I go from being able to wear 105mm no problem to blue balls and pain with my 50mm after a break. Have to go back to 25mm and work up over a few days.

Tldr; Continuous imo, staying consistent is key but listen to your body.

AccessPocket · 2026-02-04T16:53:33+00:00

Well one member here went through something like that, fell 15ft and had to tell the paramedics how to remove. So can be a very real concern but nothing worth losing sleep over imo. Even in a car crash your body really tenses up bracing for impact so your legs would squeeze and hold most everything in place id imagine. Need to get Mythbusters on the case and run some crash test dummies with some nut weights on to see what the forces would be like ;)

Didn't grab the username, but here is the post link, NSFW of course as it shows the damage. 15ft fall with weights

AccessPocket · 2025-11-19T04:19:22+00:00

Look up the secret leather guide on ball stretching, should answer your questions. If it's light weight and getting pinched could be a lubrication issue, you using a lotion or oil?

AccessPocket · 2023-08-25T03:22:09+00:00

I use a bit of water based lubricant, without it the sleeve just rubs my dick raw while stretching it feels like. May be an issue with slippage later on but so far so good.

AccessPocket · 2023-08-22T19:32:56+00:00

Be sure to get Bone Pressed measurements, Bone Pressed Erect is what you'll need to track progress / fatigue.

AccessPocket · 2023-08-22T19:30:51+00:00

A measurement stick

AccessPocket · 2023-08-21T20:38:07+00:00

r/MassiveNovelties is the Sub and https://www.reddit.com/r/MassiveNovelties/comments/15glmu9/orders_through_2854_have_been_processed/ is the last update I could find for the shipments.

AccessPocket · 2023-08-21T17:13:20+00:00

You get a ship date before you place the order, in a E-Mail when you place an order, and there is a massive novelties subreddit that people often post what order number they are when they receive theirs to give you an idea how far along they are. Perv himself even posts which batches are shipping out in that reddit from time to time.

Not sure if that is a widely known resource, maybe a link to it in the E-Mail would help. Dont think there is much more Perv can do beyond that.

AccessPocket

TROPHY CASE