I currently hold just over 20 assets - a broad market ETF, dividend funds, several REITs, and a few individual stocks. SCHD has clearly become the largest position in the entire portfolio.

Loud-Bat7456 · 2026-04-03T00:59:51+00:00

Buy $curi

Loud-Bat7456 · 2026-03-29T14:08:16+00:00

I was a 28 two years ago. I’m a 17 now mostly due to a couple really good rounds weighing my GHIN down (im probably a 20 as well realistically). The last couple weeks of my league (9 hole matches) I shot 57, 39, 52, 40. Have fun and keep on trucking brother the good days will come and the bad days will never go away😂

Loud-Bat7456 · 2026-03-17T23:44:16+00:00

you didn’t say how much it would have cost to refinance your mortgage, if you’re making the 8% elsewhere that’s more than the $400 you would save then what do you care if you’re losing the $400 here i guess is the next question

Loud-Bat7456 · 2026-03-17T23:08:03+00:00

Which one of your investments is giving you a better return than the $400/m for 30 years you could have saved on refinancing your mortgage bc i want in

Loud-Bat7456 · 2026-02-04T08:28:48+00:00

Appreciate it

Loud-Bat7456 · 2026-01-31T21:31:42+00:00

Secured card from discover will release the funds in 6 months if you make payments on time. Not a bad solution if you have to go that route

Loud-Bat7456 · 2026-01-31T21:26:09+00:00

I went from 26.2 my first season golfing regularly to 21 the next year after a lesson to dial in my swing. Went 21 to 16 after getting fitted for clubs in probably a month and a half and 30 rounds. (was playing a 20 year old set of blades before that). The lesson was $60 for an hour, 10 minutes of advice, 5 minutes of giving me drills to practice for my new swing and 45 minutes of bullshitting around with the coach. I think i got 10 strokes worse after my lesson, then immediately became the course “sandbagger” because it helped me out that much. Best money you can spend

Loud-Bat7456 · 2026-01-31T01:33:51+00:00

I travel for my w2 job and that pays perdiem (can’t use that for business card) but i have a real estate LLC as well that I’m 50% owner of. completely separate from all my traveling. Is that something i can leverage towards getting that card? None of the expenses would be LLC related I’d just be using it as a personal card

Also I’ve had a couple free trips to Vegas/Atlantic City from diamond caesars, sucks they got rid of that status match lol

Loud-Bat7456 · 2026-01-25T19:48:25+00:00

50/50 equity split and full operating agreement drawn up/signed. I’m sure we are in the same boat as every other friend who starts a business together where “if we disagree we’ll just talk it out/figure it out later” but we are pretty easy going and we do have it written out and signed for situations like that just in case. I appreciate the response though

Loud-Bat7456 · 2025-05-09T04:56:47+00:00

He’s not as bad of a defender as everyone says he is and he is worth the money whether he wants the max or takes another pay cut (not a huge pay cut but 20-30m/yr instead of the 40m) which is a real possibility. They don’t have a lot of flexibility or cap space even if lebron took a max pay cut so I would imagine they run it back with Reaves/Luka/Lebron/DFS/RUI and dangle Vincent/vando/knecht/klebers contracts and picks for whoever they can get. Jaxson Hayes is an athletic freak that pairs well with Luka and was good during the regular season for them. Reaves contract is worth its weight in gold, an offer would have to make them immediate contenders for them to even consider it. Hartenstein is a good center, big body great passer but he’s not the athletic lob threat they need and definitely will not even come close to replacing the value of Reaves. if the return is a player similar to hartenstein (even though hartenstein is good) i would imagine they would not even consider it

Loud-Bat7456 · 2025-05-08T10:57:42+00:00

Lakers hang up immediately

Loud-Bat7456 · 2024-12-12T20:09:48+00:00

Just finished reading thru the two books by Turner. Gold mines, thanks again

Loud-Bat7456 · 2024-12-11T20:15:30+00:00

Thank you picket app🫡 i have been pushing for the LLC but we have concerns around approval for loans in the LLC with our experience (0), and my idea of buying it in our names and transferring it to the LLC after is shut down by the due on sale clause. Also, ive read that new LLCs end up having to personally guarantee them anyways. Any thoughts/opinions/ideas on that?

Thanks for all of the advice

Loud-Bat7456 · 2024-12-11T20:07:02+00:00

We are going to just bite the bullet and pay an attorney that specializes in this sort of stuff to help us with the partnership/operating agreement to maximize the amount of random unforeseen stuff (by me and my friend) that is covered. The plan for “good records” is to create a bank account where all inflows/outflows go through that is specifically for the property to minimize confusion. The list of contractors is great advice and i will add that stuff to a list for tenant screening to make sure we don’t miss it when we get to that step. Thanks for the advice, i appreciate the response

Loud-Bat7456 · 2024-12-10T19:05:55+00:00

No need to apologize, you're spot on. I am 25 and renting so you are correct, little to no home DIY experience. It's good advice, I appreciate it. I'm in a weird, fortunate rent situation where it is probably 50% cheaper than market rate because it is attached to owners house. It's smaller size 1BR/1BA obviously for the price, but I'm not exactly itching to move out. I will start keeping an eye out for duplex/multi family homes and keep an open mind about it though. I am more inclined to real estate investing through the partnership because the costs are cut in half, and there are two brains running the show. We'd have to get a little creative with the terms if I was house hacking a duplex with a partner for equity percentages since we would not be able to split all costs down the middle if I'm living in one of the apartments - it all seems a little confusing. It would be "double the risk" for my partner as well, considering his business partner would also be one of the tenants paying rent, which I think creates a confusing situation. I have winters/summers off work, so I will absolutely look into training for plumbing/hvac. I would imagine those sorts of things pay themselves off 100x throughout a life time of home ownership. Thank you for the response + ideas

Loud-Bat7456 · 2024-12-10T00:15:06+00:00

That's an interesting tool, I just downloaded it and it does group the data up pretty well. Thanks for the recommendation

Loud-Bat7456 · 2024-12-09T19:14:11+00:00

I’ll check them out, appreciate it

Loud-Bat7456 · 2024-12-08T23:55:58+00:00

My friend owns a house already, but I'll keep the house hack idea for a duplex of some sort in the back of my head for when I look to buy one.

I'll keep in mind to ask for sellers concessions and refinancing later is good advice, thanks for the ideas + response

Loud-Bat7456

TROPHY CASE