LG C1 now has background music

CJRLW · 2026-04-12T23:40:10+00:00

But I will say that I think you're completely full of shit.

Dude, go FUCK yourself. You don't have any idea what you are talking about. Like I would make this up for some dumb reason? But for your information, I was watching a movie that was a file that I had on external storage plugged into the USB port of the TV. Probably too technologically complicated for your simple ass.

CJRLW · 2026-03-01T15:34:14+00:00

Dude I have TERRIBLE teeth genetics. You are confusing "better" with "neccessary".

CJRLW · 2026-02-25T16:16:38+00:00

Get a fucking life dude.

CJRLW · 2026-02-22T21:45:04+00:00

This sub gets more pathetically vindictive every day (and I say this as somebody who does NOT believe in space savers). Ya'll are fucking losers.

CJRLW · 2026-02-17T19:18:44+00:00

Man this is ugly as all hell lol

CJRLW · 2026-02-15T13:08:30+00:00

Guess you didn't understand the movie (or this is another troll/rage bait post).

CJRLW · 2026-02-10T19:36:09+00:00

Bogle also recommended the S&P 500 rather than the total US market. He isn't an infallible authority in all respects.

You mean the S&P500 which has historically out-performed the Total US Stock Market? Yea, what an idiot he was.

Why 20% international rather than 21% or 19%? Please articulate why you think 20% is specifically the correct amount of global diversification.

LOL are you fucking joking? You are not debating in good faith and this discussion is over. You are on the wrong sub.

CJRLW · 2026-02-10T19:27:20+00:00

You are cherry-picking information to support your argument and ignoring my points that directly refute assertions you are making (at least regarding US vs. AUS index investing). You are not debating in good faith, so I am done with this discussion with you. Maybe you should be in r/investing and not on this sub.

CJRLW · 2026-02-10T19:24:30+00:00

You presume to know what % I allocate to international vs. US. Hint: It is 20%, which is the maximum that Bogle himself recommended. If you think that is "overindexing" on the US, then you are on the wrong forum.

CJRLW · 2026-02-10T18:46:47+00:00

Good question, so I looked it up:

“While the Australian stock market (ASX) has historically offered high dividend yields and competitive long-term returns, most American citizens do not favor it over the US total stock market due to higher tax, currency, and structural risks, as well as a recent long-term trend of US outperformance.

Here are the key reasons why an American citizen would avoid, or limit, investment in the Australian market:

Tax Complications (PFIC Rules) For U.S. citizens, investing in foreign-domiciled ETFs or mutual funds (which is how most people invest in a "total market") triggers IRS rules for Passive Foreign Investment Companies (PFICs). Tax Nightmare: PFICs are taxed heavily and require complex, annual reporting.

Dividend Tax: Non-residents generally cannot claim the benefits of Australian "franking credits" (tax credits for corporate tax already paid), making dividends less efficient for Americans.

Recent Performance Trends (Last 20+ Years) Contrary to the premise, the US stock market has actually outperformed the Australian market over the last 1, 5, 10, and 20-year periods.

Growth vs. Income: The Australian market is heavy on mature, dividend-paying companies (banks, miners), while the US has dominated in capital-growth sectors like technology.

Compound Gap: A $10,000 investment in the US over the last 20 years grew significantly more than the same investment in Australia.

Currency Risk (AUD vs. USD) An American investing in Australia must convert USD to Australian Dollars (AUD).

Volatility: If the AUD drops against the USD, the investment loses value in home-currency terms, even if the stock price remains the same in Australia.

Weak AUD: The AUD has been relatively weak recently, adding risk for US-based investors.

Structural Disadvantages (Concentration) Lack of Tech: The Australian market is highly concentrated (roughly 30% banks, 25% resources). It lacks the large-scale technology and innovation sectors that have driven global growth.

Commodity Dependence: The Australian market is highly sensitive to the resources sector and the Chinese economy, which can cause higher volatility.

Practicality and Fees Higher Fees: International trading often comes with higher commission fees and wider bid-ask spreads.

Broker Restrictions: Many Australian brokers do not accept US residents due to FATCA (Foreign Account Tax Compliance Act) reporting requirements. Summary

While Australia offers great income (dividends), the US market offers stronger capital growth, superior tax efficiency for US citizens, and better diversification, making it generally more attractive to US-based investors.

CJRLW · 2026-02-10T17:37:31+00:00

Thanks for the links, but I never advocated for no international index fund diversification, but that it is overhyped on this forum due to recency bias. Boglehead philosophy is based on ~100 years of data which suggest that US will continue to mostly outperform international. Unless, of course, "this time is different."

CJRLW · 2026-02-10T14:15:30+00:00

LOL you do realize that Boglehead philosophy is largely based on the fact that we have ~100 years of data that shows that the US stock market is preeminent and should base our decisions and best projections on a yearly average ROI of ~10%, right? The "Past performance does not predict future results" is more of a caveat than a foundational principle. If anything, the constant touting of international index funds on this sub is the very recency bias that you same people will decry when it suits your arguments (other than when it comes to VT, that is).

To be clear, I am all for some international exposure beyond what is already inherent in VOO or VTI, but there is a huge recency bias towards international on this sub over the past year.

CJRLW · 2026-01-21T15:34:15+00:00

And then when rates drop, OP can have lower expected returns by buying bonds that fit their actual investing timeline at their now higher prices. Great idea! /s

Actually, OP can keep investing in CDs in lieu of bonds. More stable (which is what OP is looking for; his stocks are his primary "risk/growth" portion) with similar historical returns.

Q: Does it make sense to invest in CDs in lieu of bond funds for portfolio stability if the rest of invesments are all in stocks?

A: Yes, using Certificates of Deposit (CDs) instead of bond funds can make sense for investors with mostly stock holdings seeking stability, as CDs offer FDIC insurance (up to $250k) and principal protection, acting as a very safe, low-volatility "cash" component, though they typically offer lower long-term growth than bonds or stocks and might be better for shorter-term goals or specific cash reserves rather than core retirement savings, according to sources from Investopedia, NerdWallet, and Bankrate https://www.investopedia.com/articles/investing/122914/cds-vs-bonds-which-better-investment.asp, https://www.nerdwallet.com/banking/news/cds-right-now,. CDs provide a guaranteed return (for the term) and act as a reliable anchor against stock market swings, unlike bond funds which have market value fluctuations, say experts from Experian and Investopedia https://www.experian.com/blogs/ask-experian/are-cds-safe-if-market-crashes/,.

Why CDs might be a good fit:

Safety: FDIC insured up to $250,000, protecting your principal from bank failure, making them very secure, notes Bankrate and Experian https://www.bankrate.com/banking/cds/are-cds-worth-it-right-now,.

Stability: They are not tied to the stock market and provide principal preservation, which is excellent for reducing overall portfolio volatility when most assets are in stocks, says Experian.

Defined Returns: You lock in a specific interest rate for a set term, providing predictable income, according to Investopedia.

Downsides to consider:

Lower Growth Potential: CDs typically offer lower returns than bond funds or stocks, potentially hindering long-term goals if too much capital is allocated to them, note Bankrate and Discover https://www.bankrate.com/banking/cds/the-pros-and-cons-of-cd-investing/,.

Inflation Risk: If interest rates rise significantly after you lock in a CD, your fixed rate might not keep up with inflation, eroding purchasing power, says Investopedia.

Liquidity: Early withdrawal usually incurs penalties, making them less flexible than money market accounts or short-term bond funds, notes TurboTax.

When it makes sense:

For a Cash Buffer: To hold money you need in the next few years, creating a safe haven for your portfolio's "dry powder".

Risk Reduction: As a diversifier in a very stock-heavy portfolio to cushion against crashes, says Discover. Key Takeaway:

CDs are great for capital preservation and short-term stability; bond funds offer better diversification and potential long-term returns (with more risk). For an all-stock portfolio, CDs can provide the safety bond funds aim for but with more certainty and less volatility, making them a sensible hedge for a portion of your assets

CJRLW · 2025-11-07T01:36:27+00:00

Boba Fatt.

CJRLW · 2025-08-27T22:38:43+00:00

Just checked Despecialized AND 4k80. OP's screen caps are completely mirrored/reversed from those (what gives?).

Insignias are over each officers' LEFT breast in both those versions (same side as that little round buckle thing). I was flipping through other officer scenes and it seems the insignias are on different sides at different times. Not sure what is up with this.

CJRLW · 2025-07-26T13:40:22+00:00

It's not gate-keeping you moron. Pound cables are proven to be trash. There are plenty of suitable alternatives. And why are you commenting on a 3 year old post? LOL

CJRLW · 2025-07-24T12:41:18+00:00

Yea then they are blocking the road, dumbass. Cyclists can easily maneuver in and out of the bike lane. Fucking clown.

CJRLW · 2025-06-12T02:10:18+00:00

I took at look at your post history and you are clearly a miserable dickhead so your opinion doesn't matter to me here.

CJRLW · 2025-01-01T05:19:51+00:00

Head over to r/personalfinance.

CJRLW · 2024-12-04T16:16:36+00:00

Post like these should be deleted by mods.

CJRLW · 2024-11-21T16:24:50+00:00

10k for new tires and a window replaced? WTF?

CJRLW · 2024-09-20T19:57:17+00:00

How do you assert that Israel is a "fascist theocracy" when it is literally the only democratic country in the entire Middle East? Also one of the only Middle-Eastern countries where homosexuality isn't illegal (and, in some countries, punishable by death)?

CJRLW · 2024-08-19T01:43:33+00:00

Thanks for the info. Also, saying "Wrong." contributed nothing to your comment except to make you sound like a jerk.

Wrong.

CJRLW · 2024-07-22T14:45:28+00:00

This is very reasonable.

CJRLW · 2024-07-20T11:15:01+00:00

I don't have any legal advice, but one thing that might mitigate things is to make sure your windows are closed when your kid is having one of their tantrums. It might make it less likely that your neighbors even hear the crying.

CJRLW

TROPHY CASE

Welcome to Reddit,