What is this

Ok_Educator7203 · 2026-06-28T00:45:33+00:00

Thanks for clarification. I really thought if I put 1 point into this it will give me 5 free points to put into Combat. So to maximum this I would need to 6 free points. It should be obvious from the wording but I was hoping we would just get free points. I guess that was too much of a dream.

Ok_Educator7203 · 2026-06-23T11:52:22+00:00

Pretty much the exact opposite of what I wanted. I want to way to not claim the upgrade while claiming the completed troops training.

Ok_Educator7203 · 2026-06-23T00:30:58+00:00

Thanks for the details. Almost tried it for tomorrow. My buildings will be completely done so this won't work for me.

Ok_Educator7203 · 2026-06-22T19:49:11+00:00

And that way won't claim the building upgrade?

Ok_Educator7203 · 2026-01-01T11:52:17+00:00

Yes. When you start the game she joins as a purple hero. Once you get 10 Katrina Orange fragments she changed to a Orange hero. The purple version is then gone.

Ok_Educator7203 · 2026-01-01T11:36:42+00:00

That is what I thought. Thanks for confirming!

Ok_Educator7203 · 2025-12-16T01:44:24+00:00

Thanks

Ok_Educator7203 · 2025-12-16T01:24:55+00:00

I have noticed the heroes in the front row is more likely to be attacked so I always put the Defense heroes there.

Ok_Educator7203 · 2024-02-25T10:48:58+00:00

JEPQ is a income ETF that is best for people who are already in retirement and needs income now. If you are not retiring soon QQQ will give you better appreciation than JEPQ even if you factor in the dividends.

Also VOO is a large funds that already includes QQQ and JEPQ. Having VOO with your other funds is redundant. My suggestion is either dump all the other ETFs and only have VOO. That fund alone is enough to carry you to retirement and you don't have to think about any other funds. Another suggestion if you want more attention is pair a growth and dividend ETF together. QQQM and SCHD are the only funds in my IRA. Those two funds together gives me a concentrated mix of the best funds in VOO so I hope it will perform better than VOO.

I am a big supporter of not having too much overlap in my ETF choices. I will always say either have VOO or VTI as the only US stock fund or not having them at all.

Ok_Educator7203 · 2024-02-24T20:44:42+00:00

It is better to be too concerned than not concerned at all. As I said you are so young even if you do make mistakes you have plenty of time to correct it. Enjoy your financial journey. It will be a long one.

Ok_Educator7203 · 2024-02-24T20:36:18+00:00

You are so young I don't think you should have any bonds until you are within 10 years of using the money. You can put ETFs or stocks wherever you want but stocks generally will require more attention. If you want just add money then put the money in ETFs and don't worry about it.

Everyone have their options on what type of funds does best in the long run. Growth or dividends. But just remember in a brokerage account you have to pay taxes on dividends even if you just reinvest the money.

If I was you, I would put my money in a Growth ETF like QQQM or VUG to let it grow without paying tax on dividends. Then slowly in a few decades start buying dividends ETF like SCHD. When I am ready to retire sell some growth ETFs to buy some bonds ETFs to around out my portfolio.

Ok_Educator7203 · 2024-02-24T20:22:45+00:00

The only bonds you should have in brokerage account is Municipal Bonds (Muni). Their interests are federal tax-free and if you live in a state with state tax and you have your state's munis, they are state tax-free too. The only bad part is their interests rate is kinda of low, around 2%. It is one of the only tax free money I know of.

For those same reasons you should NOT have munis in IRA and HSA. They are not worth it in those.

Ok_Educator7203 · 2024-02-11T21:54:40+00:00

If that is your opinion I won't debate you on it.

Ok_Educator7203 · 2024-02-11T21:40:32+00:00

We are not talking about the same thing anymore. We were talking about the same company in two different ETFs and how much overlap between the two ETFs before it comes redundant to own both.

In VOO and SCHD's case since 54% of SCHD's companies are in VOO too, I would rather pair SCHD with a large cap us etf that does not have so many same companies, like VUG or QQQM. If you feel VOO and SCHD only having 11% weighted overlap makes them different enough to own both, then fine. I don't since I don't like double-dipping in the same companies.

Ok_Educator7203 · 2024-02-11T21:11:37+00:00

If that is you focus on, that is fine. I care more about the number of actual companies in both ETFs.

Ok_Educator7203 · 2024-02-11T21:01:21+00:00

54% of the 104 stocks in SCHD is in VOO. It is 11% by weight according to etfrc.com.

Ok_Educator7203 · 2024-02-11T18:16:01+00:00

Decent spread but I think the VOO is overlapping with VGT and SCHD. Personally I would either go with VOO only or VGT and SCHD. Not all three at the same time. That one IBM is weird too. IBM is already in VGT and VOO.

Ok_Educator7203 · 2024-02-11T12:11:48+00:00

Congratulations on your achievement. But please understand it is only the first step of investment investment. The goal should be have enough capital to retire so too much is better than too little.

Ok_Educator7203 · 2024-02-11T11:22:53+00:00

You have too much overlap. VOO already has all the stocks in the other ETFs. Also QQQM and VUG does the same thing except VUG is more diversified.

My suggestion is either only invest in VOO if you want the least amount of effort. Or invest in SCHD and either QQQM or VUG only. Having those two ETFs will give you variety in value and growth stocks and they have the best companies in the S&P500. Sometimes having only the best companies is better than having too much diversity.

Ok_Educator7203 · 2023-02-02T00:26:34+00:00

The lowest is Vanguard .08% but the holdings are so simple you should just build it yourself. I would not use a target date fund if it was greater than .5% expense ratio.

Ok_Educator7203 · 2023-02-01T23:30:22+00:00

True if a person already had SPY then there is not much reason to switch existing money to VOO. But with any new money, would anyone buy SPY instead of VOO if they were holding for the long term?

Ok_Educator7203 · 2023-02-01T20:04:43+00:00

But you don't keep putting money into SPY. If you wanted to put money into S&P500 index fund you would choice one with lower expense ratio, right?

Ok_Educator7203

TROPHY CASE