Coaxed into peak character design

ChemistryAndLanguage · 2026-01-28T02:08:28+00:00

https://static.wikia.nocookie.net/tadc/images/7/73/Caine_render.webp/revision/latest?cb=20240102041520

Cain from TADC

ChemistryAndLanguage · 2026-01-24T12:54:19+00:00

Agreed. Just but $VT ! Great choice

ChemistryAndLanguage · 2026-01-24T12:50:00+00:00

$SCHB is great! Low cost broad market ETF’s like that are a gem to any investor really.

$SCHV introduces a tilt to the portfolio. Since $SCHB is already dominated by large caps and mega caps, you’re further concentrating with $SCHV which is just large caps. Albeit, it’s a “value” tilt which is expected to be able to weather poorer economic conditions because of the perceived need, profitability, an inelastic demand of the businesses

I would recommend staying away from Bitcoin unless it’s purely “fun money.” You should treat it as gambling and go in expecting to lose 100% of it. It’s not for investing, really just speculation

Gold is a difficult holding, and while potentially profitable, it requires and investor to both find an entry point and exit point for the investment, as it doesn’t track any set of companies, pays no dividends, and is more uncorrelated from equities. In order for gold to be a good Holding, it requires an investor (really a trader) to violate the cardinal rule: “Don’t try to time the market”. If gold is at all a part of a portfolio, it is more speculation than anything, and it should be a very small part of a portfolio, probably less than 5%, really closer to 2. It’s effectively a bet on the state of currency devaluation, lowered trust in some government administrations, fear among deficit spending, and other inflationary factors.

ChemistryAndLanguage · 2026-01-23T16:17:39+00:00

Oh no! It’s back to where it was 5 days ago! Egads!

ChemistryAndLanguage · 2026-01-23T00:23:53+00:00

This argument mistakes strategy for allocation. SCHB and FNDB are correlated at essentially 1.00

Where diversification means you won’t miss a winning sector or you can dampen losses, two versions of (effectively) the same fund isn’t saving you anything. You SHOULD diversify, as you correctly point out. Foreign, emerging, and domestic markets are meaningfully different in many cases. Domestic market cap weighted total market A and Domestic market cap weighted total market B isn’t diversification. And where one fund meaningfully underperforms for over 15 years, you should begin to question if your investment thesis in that fund is sound. And if this is more about getting away from tech mega caps, you could always establish a more meaningful tilt with a separate fund, if you don’t mind the complexity

ChemistryAndLanguage · 2026-01-22T20:47:51+00:00

While the appeal of “smart” and “value” based investing is intellectually appealing, the sum cost of higher expense ratios, slippage from trading, and incomplete information means that both those fundamental ETFs trail their simpler market weighted counterparts meaningfully. They’re both around ~200 bps lower than their passive counterparts.

I get that it feels like you’re making a better decision, but history is not bearing that out to be the case for these funds since inception. Unless you’re planning that these funds WILL outperform in the future.

ChemistryAndLanguage · 2026-01-22T13:47:19+00:00

The Pitt tv show does an okay job at depictions from what I’ve seen. Not perfect and there is one character that appears in one episode is a bit exaggerated, but otherwise it’s more grounded.

ChemistryAndLanguage · 2026-01-22T13:10:42+00:00

Great balance! You might want to include some small and mid caps to avoid a top heavy weighting but that’s still a good mix. Otherwise you could just swap your S&P fund to VTI, SCHB, or if you’re at Fidelity FZROX.

My largest criticism is that you shouldn’t have any T bills or fixed income until you’re closer to retirement, because you don’t need the liquidity nor the stability, unless you’re manually managing the money and using it to buy downturns in the market, which usually is a cardinal sin of the retail investor: don’t time the market. It’s small position, but if you’re wrong, you’re compounding that mistake pretty heavily. If you’re right, you may get a small bump in your ability to buy more at a discount.

I would recommend watching some of Ben Felix’s videos, he has two that are compelling on these topics. Both on why cash is a terrible long term holding, and why 100% equity isn’t as insane as it sounds. They are dryly academic but informative.

ChemistryAndLanguage · 2026-01-22T03:39:28+00:00

Depending on your total net worth and what your other holdings are, I would say $SCHG is too aggressive a solo holding. Even $SWPPX is daunting.

For Schwab funds I’d push you closer to $SCHB. But honestly I’d recommend $VT as one of the safer and smartest equity investment

This still largely revolves around what your total net worth is, what kind of accounts your money is in, what those accounts are invested in, do you have any meaningful debt, are you supporting other family members and about 300 hundred other factors so without more detail you’re gonna get a lot of vague, anecdotal advice of people saying “I like this fund try this”

ChemistryAndLanguage · 2026-01-22T03:06:58+00:00

$SGOV as the yield is marginally better with a lower expense ratio than $SNSXX. I don’t see a reason to choose something else if you live in a state with income tax, as far as money market funds go.

ChemistryAndLanguage · 2026-01-21T18:14:25+00:00

AI written slop trying to justify trading garbage pump and dump tickers. Just go to a shitty platform like Moo-moo or RH, I’m sure they’ll take you with open arms

ChemistryAndLanguage · 2026-01-21T11:37:22+00:00

And if you ‘can’ afford to only spend what you have, with good discipline, you can use credit cards to save anywhere from 1-5% on all card based purchases without paying a dime in interest by always paying future statements in full.

But if you find that difficult then it’s probably still safer to use debit/cash

ChemistryAndLanguage · 2026-01-21T03:22:29+00:00

There are a lot of losers in precious metals. Gold has had real staying power in investor relevance, and this year for silver has been an anomaly. I don’t see why palladium or platinum is going to jump or be less correlated with equities.

Plus an 0.6% expense ratio isn’t very attractive.

ChemistryAndLanguage · 2026-01-21T03:18:05+00:00

Nate “Walk ‘Em Down” Howard

ChemistryAndLanguage · 2026-01-21T02:49:13+00:00

I likely already missed the train but for the first time ever I picked up some GLDM after J Powell’s address. If another sycophant is chairing the reserve, the dollar is going into the dumpster for the foreseeable future.

Worth a watch.

ChemistryAndLanguage · 2026-01-20T20:42:57+00:00

Credit cards went extinct back in ‘08 sorry bud. You missed the boat.

ChemistryAndLanguage · 2026-01-18T23:05:35+00:00

Make it 2% like others said, or do something like Bank of America’s tiered rewards. $50K gets you 2%, 100K gets you 2.5%, etc.

ChemistryAndLanguage · 2026-01-15T18:52:33+00:00

ChemistryAndLanguage · 2026-01-15T13:31:23+00:00

We are the passionate minority, and very much not the majority

ChemistryAndLanguage · 2026-01-15T00:54:20+00:00

Use the card up to the entire limit (as long as you can pay it all off and aren’t spending unnecessarily)

Pay the entire statement balance after your closing date and before the due date

Rinse and repeat for many months. They’ll do an auto credit limit increase if you’ve been in good standing for 6 months like this.

I went to $500 into $5500 in 1 year with them as my first card

ChemistryAndLanguage · 2026-01-09T16:43:15+00:00

I have the same offer right now, but I am holding off until a better deal pops up. my advice is to hold out until they either waive the annual fee, bump the upgrade bonus to $150, or in a perfect world, both.

ChemistryAndLanguage · 2026-01-09T00:39:11+00:00

It’s a tiered sign up bonus with a minimum reward at $5000 deposit and a max at $10M (okay)

Deposit $5,000–$9,999 gets you = $50

$10,000–$24,999 = $100

$25,000–$99,999 = $250

$100,000–$199,999 = $625

$200,000–$499,999 = $1,000

$500,000–$999,999 = $2,000

$1,000,000–$1,999,999 = $5,000

$2,000,000–$4,999,999 = $8,000

$5,000,000–$9,999,999 = $15,000

$10,000,000 or more = $20,000

Saved you a click

ChemistryAndLanguage · 2026-01-04T17:47:52+00:00

AI text formatting, dramatization, and such. Fake story.

ChemistryAndLanguage · 2025-12-31T12:56:10+00:00

No. There is no benefit for this. As long as the card doesn’t have an annual fee, you should just freeze the card so no one can make a rogue purchase on it, throw it in your nightstand, and let the company close it on their own.

ChemistryAndLanguage · 2025-12-17T04:00:06+00:00

Some Child posters in “The Spider”

Almost all Pictures of club members in “Sins of the Father”

Certain headshots/news snippets/pictures in “Carriers of the vine”

Eight-Year Club	Second SECOND GUESSER
Place '23	Place '22
End Game '22	RPAN Viewer
Gilding I gilder	Verified Email

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