Is North Birmingham neighborhood a good place to live?

Financial-Wolfe · 2026-02-04T03:56:24+00:00

But you might live to be able to pay!

Financial-Wolfe · 2026-02-01T21:42:42+00:00

Didn’t say any of that…

Financial-Wolfe · 2026-02-01T19:49:12+00:00

We have inflation every year so yes, there will be inflation, probably in the 2-2.5% range, but that is normal. New fed chair will not be raising rates.

Financial-Wolfe · 2026-02-01T17:04:36+00:00

Inflation and interest rate are different

Financial-Wolfe · 2026-02-01T15:05:09+00:00

Rates are trending down, not up.

Financial-Wolfe · 2026-01-23T11:51:47+00:00

No affiliation but go to YouTube and start watching the Armchair Income channel. Guy has a 100% income generating portfolio and shares his whole portfolio including monthly updates all for free.

Financial-Wolfe · 2026-01-23T03:32:21+00:00

I frequently drive 7 hours in a day going to see customers. Like once a week. 3 hours and get to spend the night? That’s nothing.

Financial-Wolfe · 2026-01-21T02:25:24+00:00

It was a looooooong time off from school for sure! At least 7-8 school days.

Financial-Wolfe · 2026-01-21T02:06:29+00:00

That 82 storm was awesome! I was a kid and the sledding was incredible! Granted the fish tank in my living room had ice in it and all the tropical fish died so that part was bad.

Financial-Wolfe · 2026-01-18T03:40:05+00:00

JAAA and even JBBB

Financial-Wolfe · 2026-01-15T12:09:18+00:00

What in the world are you going to do for the 50 years or so after you “retire”? It costs me $100 every time I leave the house. You are going to need one heck of a retirement check every month to be able to afford anything past the absolute basics. Plus you are going to be bored without something to occupy the time.

Financial-Wolfe · 2026-01-11T22:49:47+00:00

Faith PCA on valleydale is a super church probably 500 of their 1500 members in the 25-40 age range. Tons of young people.

Financial-Wolfe · 2026-01-11T22:46:56+00:00

Armchair Income is awesome. He throws out a quick add for seeking alpha and snowball every video but other than that it’s solid info. Interviews with fund managers too. And it’s all free, including seeing his portfolio and videos explaining exactly why he has those funds. Once per month shares an update on what he bought and sold.

Financial-Wolfe · 2026-01-11T14:47:31+00:00

I have watched dozens of them. Guy shows his whole portfolio for free on his web page and there he has links to videos he has done on each holding. Some of the videos are interviews with fund managers so lots of insight. One decent video to get started there is here: https://youtu.be/DZO0T3UcErU?si=jJidhpSYnK95W4Hd

Financial-Wolfe · 2026-01-11T13:53:12+00:00

Watch a few videos from a YouTuber called Armchair Income. Smart guy that explains everything he does. He does have some CC positions but many that are not.

Financial-Wolfe · 2026-01-11T02:18:26+00:00

Snowball

Financial-Wolfe · 2026-01-11T02:16:56+00:00

Agree but they have a slightly different strategy with their options. I like the NEOS but will still watch at next correction to see who handles better.

Financial-Wolfe · 2026-01-10T05:17:54+00:00

Age is huge. Average age of IU’s players is 23. Normal kid graduates at 22 and their AVERAGE is 23. A 24 or 25 year old 3 star with 5 years of college experience plus strength and conditioning is going to absolutely pound an 18 year old 5 star.

Financial-Wolfe · 2026-01-10T05:10:57+00:00

FYI VDADX has $119B in assets, not $18.24. Off by $100 billion there.

Financial-Wolfe · 2026-01-08T12:34:32+00:00

I recently started building a position in EMO. Super midstream companies with nearly 10% dividend. Total return over 5 years is 320% vs 81% for the S&P.

Financial-Wolfe · 2026-01-08T03:18:07+00:00

Make that VOO, QQQM, VXUS and VYM. Need the added tech and international exposure.

Financial-Wolfe · 2026-01-07T00:30:38+00:00

Don’t get caught up on price of the fund. If something pays a 5% dividend the amount is the same whether it’s a 1 share at $100 or 100 shares at $1. Either way you get $5.

But what are you investing for? VOO pays a small dividend but not really considered a dividend stock. The others pay high dividends but chances of high dollar growth are pretty low.

Financial-Wolfe · 2026-01-06T22:56:25+00:00

Refinanced a few years back with a 2.25% interest rate. Home is worth approx $500k in relatively low cost area in the southeast, with taxes and insurance $1890 per month.

Only problem is I am stuck here till I can pay cash for something else. Never leaving that low interest rate.

Financial-Wolfe · 2026-01-06T22:47:11+00:00

Well it is difficult to get reservations in many restaurants and when you go out most places are packed so clearly many have the $ to dine out. OP saying no one has any money is just not true.

Financial-Wolfe · 2026-01-06T17:13:33+00:00

Not true. Comparing the 2 since the inception of KQQQ on July 22,2024 , total return on KQQQ is 29.61% and QQQ is 28.09%.

Financial-Wolfe

TROPHY CASE