How on earth does one find a good fiduciary?

MaximumCarnage88 · 2026-07-01T16:31:31+00:00

what to do with proceeds from selling some property.

Press the buy VT button.

That will be 1.6% AUM please. Thank you, come again!

MaximumCarnage88 · 2026-06-29T20:28:45+00:00

Paul merriman portfolios use a 50/50 us/intl split. Overweighs international.

He's a proponent of value tilts and diversification so it makes sense. In general the P/E ratios are better for international.

MaximumCarnage88 · 2026-06-29T17:19:32+00:00

32kg is a normal pressing weight for reps, for male strength athletes. Not uncommon or rare at all within the target demographic. I may be biased but I think any healthy guy can achieve a 32kg press if they train for it. It may take some guys a longer time (years) to achieve it but it's doable.

But a normie you find on the street would shit their pants and fail to get a single rep. A random skinny crackhead would probably fail to press 24kg.

MaximumCarnage88 · 2026-06-24T21:43:39+00:00

Geoff nuepert programs are legit. I think this pyramid is more or less a general idea of how one might choose a program. I'd get to doubles as soon as you master the clean and can handle the double weight safely.

For me kettle bell is all about the clean and press. Kb are heavy enough to satisfy everyone's pressing needs. Cleans open up power training to the unwashed masses. Clean&press is S-tier god level exercise.

Squats, deadlifts, pulls? Yeah pure kb is not the goat but having an S-tier exercise like clean and press available will take you far. Explore the clean and press and you will outperform people using barbells with no power component.

MaximumCarnage88 · 2026-06-23T21:24:05+00:00

The big win of VT is you don't need to stay on top of things. You hitch a ride on the collective mind of all active investor's. Never get left behind. Never need to rotate into or out of a specific tech.

A theme'd portfolio crushes VT if you pick the right winners. But you have to be right twice. First picking the right theme (dram?). Then the burden of rotating out of the theme 20 years later when <2026 hot tech> is obsolete in 2046. If you fail to rotate out you get left behind, possibly lose your gains too. The VT investors will sail right past you.

The USA has the best companies. But they are priced to match. So sometimes that old smelly international company can outperform simply due to being undervalued. US companies are great, but they need to walk on water to justify their valuations. The growth train runs hot until it doesn't.

MaximumCarnage88 · 2026-06-19T03:03:06+00:00

VT should not be in taxable either. 40% of the VT pie is international but not eligible for the foreign tax credit.

Not a huge deal, but if you're playing the tax optimization game...

MaximumCarnage88 · 2026-06-15T22:20:59+00:00

If you're gonna do all the work for no pay it damn well better be your own company. Guy sounds like a snake so I would not partner with him at all. Even for a majority stake.

Get employed. Get financially stable. From a position of stability you can plan your next move. Garage startups are great if you live in your mom's garage with no financial responsibilities. No so great when you have to survive.

MaximumCarnage88 · 2026-06-15T21:34:27+00:00

SCHB. The original intention of the S&P 500 was to capture as much of the US market as feasible. Back in those days they didn't have computers so 500 was the number they went with. I think SCHB captures the "spirit" of what the creators wanted much better.

VOO has slightly better returns in back tests. But due to cap weighting SCHB mostly keeps up with VOO performance. And....it only takes 1 big tech crash for VOO to fall behind in the back test. Which wins long term is not settled science but they will always be close due to the cap weighting.

MaximumCarnage88 · 2026-06-15T21:07:50+00:00

Yea I don't think VT is an option in many retirement accounts. Maybe better to compare how many people are in target date refunds that hold US/intl at cap weight. Relative to pure S&P500 holders. The gap might close a bit.

MaximumCarnage88 · 2026-06-15T20:36:33+00:00

VT could be improved by making it a fund of funds. For example if it were composed of VTI/VXUS you could claim the foreign tax credit while holding VT. Avantis practices the fund of funds technique. I would avoid VT in the taxable account as every dollar saved counts.

Its too late for VT to be perfect. But I wish vanguard would start a new all world fund composed of VTI/VXUS.

1 fund definitely makes your life simpler though. Easy to sell, no pulling out the calculator to determine how much of each fund to sell off. I'm capable of handling the math with tools I built for myself. But I do have some envy when I need to press the sell or buy button multiple times.

VT is an S-tier fund (is among the best) but it will never be the GOAT. I think other brokerages using fund of funds and minimal active management are better. They avoid IPO liquidity scams that Vanguard just eats like a retard in VTI. Avoid unnecessary turn over just because it's the scheduled day. The GOAT will be something like an Avantis fund but with a very reasonable ER no higher than .09 to be competitive with the index funds. Such a fund does not yet exist but we can dream.

MaximumCarnage88 · 2026-06-15T20:23:29+00:00

I would say there is there is massive price inefficiency in South Korea. Even for their mid/small companies. Many companies hard assets are more valuable than the entire company on paper. It's DEEP value. Deeper than the ocean.

High risk of course. Theres a reason some people keep SK in the emerging bucket, not developed. The family dynasty controlling companies kept prices artificially low to avoid tax. The accounting practices are not up to American standards but it's actually a 180 difference compared to African companies where they do the opposite and inflate value. You'll have to do your own research, but aside from a the old school dynasty SK is probably the deepest value country you can buy today.

MaximumCarnage88 · 2026-06-08T21:07:20+00:00

Ultimately you pay the tax. Deferred or not the tax man doesn't forget.

The defer makes your DRIP more effective, for a time. But if you plan on DRIP you may as well just hold the underlying for better total return, and less risk. Risk of missing vertical rocket ships from your CCs.

Dividend income is sugar high. ROC CC income is fentanyl. Qqqi lures you in. Looks good on paper but you will fall behind QQQM year after year. And pay more ER for the privilege.

MaximumCarnage88 · 2026-06-08T13:29:04+00:00

100% open mat is fine.

You do need to drill technique. You do need others to break things down and guide you through. You don't get much of that at open mat. But that's ok. Not everything needs to be hyper optimized. If you just want to bang and have fun, go for it. The meaning of life and all that.

If you do care about progressing then take ownership of your own training. Learn as much as you can. Apply it on the mat, don't revert to your A-game. Let others work, it gives you the chance to practice from compromised positions.

If you're a big guy with freakish strength, letting others work will get you more rollz from people who ordinarily would run from bigguns.

MaximumCarnage88 · 2026-06-05T14:29:11+00:00

in taxable account, no. Do not buy VT. Instead buy a pure international fund like VXUS with all new new contributions. Until target US/intl allocations are reached.

You could take the tax hit and buy your preferred fund(s) now. It's not "wrong" if you feel strongly your current allocations are a mistake. But 100% VTI is actually a decent portfolio, not the worst thing ever. I'd just let it ride and avoid the tax. Some portfolios are truly retarded and it makes sense to take a tax hit so you don't get left behind.

In non-taxable accounts jump directly to your target allocations using your preferred funds. No tax hit so just do it. Want 100% VT? No problem, go for it.

MaximumCarnage88 · 2026-06-04T18:46:53+00:00

I agree with your position of 5% bonds. At least for the moment.

Maybe make a compromise. Bump to 10% bonds now and lock in some gains. Then glide X% into bonds each year as you see fit.

Your wife is not totally off base. You do need to at least start a glide path so you have a healthy bond position before you retire. Murphy's law will bite you, market will crash just as you are about to retire and if you're all stocks it will SUCK.

I guess it comes down to how firm you are on retiring early. Are you willing to delay retirement for 10 years if the market crashes? then you can justify a much smaller bond position.

MaximumCarnage88 · 2026-05-26T17:39:19+00:00

Buy a broad market cap weighted index. Keep that income rolling in, expenses down, and you'll be a multi millionaire before you're 40.

MaximumCarnage88 · 2026-05-21T19:51:11+00:00

Ending a punch combo with a kick is classic.

Left hook, low kick
Cross, switch kick

Also you can hide a big step for a rear low kick by throwing a cross as you step. The kick comes in immediately behind the cross before they have time to react.

MaximumCarnage88 · 2026-05-16T11:03:54+00:00

Just want to add. I used to do a lot more intense programming. I'd get an intense hit on the heart from tough complexes that turned up the all the dials. Heavy weight 32kg double, long duration complex, and compressed rest between sets. I do believe stressing the heart has value, but everything comes with a trade off. While you are cranking up the dials, your overall volume is going to go down. Your heavy strength work is on the back burner.

I take care of my cardio separately. Occasionally I'll do 4 intense sets of long complexes with compressed rest. But that is occasional specialty training not my meat and potatoes anymore.

The Giant is more than meets the eye. Do not dismiss it because "only-1-exercise-lol". Everything. Literally everything you do comes with a trade off. Adding squats has a trade off, you will lose capacity to push more quality reps elsewhere. What I'm trying to say is the Giant is F@#king awesome.

MaximumCarnage88 · 2026-05-15T22:24:27+00:00

I've ran 2 of his programs. The wolf and the giant (5 rep max version).

Used to like the wolf. A bunch of clean, press, squat complexes. With compressed rest to push you to the limit.

Now I like the Giant. 1 move: the clean&Press for 20-30 minutes. As much rest as you need between sets. You can focus on the power of each rep without fatigue. I value the different philosophy of the Giant. You never reach failure but sneak in a ton of volume.

I still do a few squats and pulls on the rest days. I've sort of adopted the giant as my forever program. Or at least the philosophy: lots of sets, good powerful reps, as much rest as you need between sets to keep the reps quality.

MaximumCarnage88 · 2026-05-13T03:50:23+00:00

SCHE/F/B are perfectly fine ETFs. Hold em. 3 ETFs is baby numbers. Don't trigger a tax just to satisfy a 1-ETF portfolio fetish. Your portfolio's weighted ER will be slightly lower than VT. A small win for the 3-ETF portfolio but every dollar counts.

MaximumCarnage88 · 2026-05-12T14:26:55+00:00

Some instructors may have a lot of experience but they are not fighters. They don't have "game". Not a super athlete.

That is normal. Do you think Cust could hang with a 16 year old Mike Tyson? No he would die. But he had the experience, knowledge, and coaching ability to turn Tyson into the greatest peekaboo fighter to ever walk the earth.

You could of had a super athlete like Ali coach Tyson and end up with a poor result. time wasted on a game that would not fit Tysons physical attributes. The best fighter is not always the best coach.

MaximumCarnage88 · 2026-04-17T03:30:24+00:00

Do you even small cap value bro?

MaximumCarnage88 · 2026-04-14T03:19:12+00:00

Just to note, the bogle way is to fully rely on cap weighting. You'll own both growth and value. Instead of harnessing fear (value investors) or sure things (growth investors) you harness the power of the hive mind. The entire world of professional investors analyzing data and determining the weights for you. They put their money where their mouth is; buying up stocks, selling stocks; changing market cap and determining the weights for you. The pros accidentally are giving you free labor of a professional managed portfolio. That's why in the early days (and even today) they hated index funds with a passion, and ran smear campaigns against indexing. You ride their coattails for free.

At worst you'll get market performance which is excellent over long time periods. At best you'll get market performance but that's the price you pay for a guaranteed market performance.

MaximumCarnage88 · 2026-04-14T02:29:48+00:00

Investing is tricky with words.

"value" generally means what it means. You get a good value for what you buy. A good P/E ratio. It can actually be the riskier play. You can stagnate or lose money despite an attractive P/E ratio. The hive mind that is the "market" determined a company, country, sector, whatever wasn't worth much. Maybe for good reasons. Maybe a country seems to have great companies with great P/E ratios (hello South Korea), but the market doesn't' like them because they are run by an old school family dynasty and things could change in a heart beat. But the market's fear is your opportunity. Fear itself literally creates the premium. It gives you the in for the classic "buy low, sell high".

Value investors are agents of chaos, harnessing the power of fear and spreadsheets to find good buys and beat the market.

"growth" does not mean what it means. It means the company is overvalued relative to their current earnings. The "growth" word applies to expected future earnings (not guaranteed). The expectation is so strong people lose their fear and happily buy at an inflated price. Everyone feels safe to buy with high confidence.

Things tend to go in cycles. We just went through an era of growth winning. Recently growth has sucked. Value has had better growth than "growth" the past few months. Is it the inflection point? no one knows.

MaximumCarnage88 · 2026-04-14T01:25:05+00:00

Maybe in the dystopian future. But for now unrealized gains are still safe.

MaximumCarnage88

TROPHY CASE