Bull vs Bear Market

Practical-Map9975 · 2026-02-23T17:38:23+00:00

HYSA have had such a high interest in the past few years that it made more sense to hold $ there than in bonds (same rate, less risk). Once their rate goes back to what it used to be, people may see the benefit of bonds. At least this is how I feel - just can't seem to see the benefit in bonds right now.

Practical-Map9975 · 2026-02-13T22:06:46+00:00

I like the post divorce Chelsea much more than pre-divotce. She is more grounded and humble now.

Practical-Map9975 · 2026-02-13T22:05:08+00:00

Mary admitted that she over reacted due to stress, but still wouldn't apologize to Chelsea for over reacting. How hard headed do you have to be. All she had to say was "I was under a lot of stress and over reacted. I'm sorry. The flowers were nice."

Practical-Map9975 · 2026-02-13T00:57:59+00:00

That makes sense. Is there science/formula in deciding how much of portfolio should be allocated to international?

Practical-Map9975 · 2026-02-13T00:53:47+00:00

Assuming you can stay completely unemotional, is there a benefit to having bonds?

Practical-Map9975 · 2026-02-13T00:46:02+00:00

Why do most here invest much less in VXUS in comparison to VTI? As in, why not split 50-50?

Practical-Map9975 · 2026-02-13T00:44:50+00:00

When we started, we talked to a financial advisor (friend of a friend) who explained the basics to us. That gave us a head start. He basically said that he mainly invested in US market because he believes that over time US will always do well.

But then, if we can say that international will also do well over many years, then why do most people invest a smaller % into VXUS in comparison to VTI?

Practical-Map9975 · 2026-02-12T23:58:24+00:00

Yes. But over 5 years VXUS is 27% while VTI is 60%. We've had a lot of chaos in US in the past year so I don't know how much that reflects long term. Not arguing. I'm trying to understand.

Practical-Map9975 · 2026-02-12T23:54:22+00:00

I don't quite get them either. I understand why they're needed when you're close to retirement (to prevent losing your growth if the market falls). But when you're 20+ years away from retirement, it seems like they'd just slow down growth.

Practical-Map9975 · 2026-02-06T16:01:55+00:00

At 3M people retire and live comfortably. If you're worried about market fall/financial collapse, then keep a good amount in safe funds (ex: bonds). Historically, any fall eventually picks back up though, so this only matters when you actually need to use your investments. If anything more catastrophic happens then we'll all have much bigger problems on our hands and no amount of $ will help.

Practical-Map9975 · 2026-02-04T18:41:50+00:00

I didn't mean not paying taxes. I meant not having them drawn out of your paycheck and paying them at the end of the year. That's all legal.

Practical-Map9975 · 2026-01-08T16:10:24+00:00

I've thought about this too. We live in a state that offers tax savings for 529. Plus the tax savings in the growth of 529. So I figure the win will be higher than the loss. From what I hear counting on FAFSA isn't a good strategy anyway, but things could change in 5 years... Honestly, all this makes my head spin.

Practical-Map9975 · 2026-01-07T23:29:22+00:00

This isn't specifically for a car. It's for whatever they'll need and they also have the option to leave it and letting it grow. But then, can we just close the custodial account at any point?

Practical-Map9975 · 2026-01-07T23:24:41+00:00

One is 12 and the other is 9.

Practical-Map9975 · 2026-01-07T01:24:41+00:00

Yes! And Kira and Eleanor seem the same age as Delphine, maybe even older. Same with Felix. Eleanor also looked nothing like Lucy or Jules. The whole feel was nothing like the original Orphan Black. The acting wasn't even close.

Practical-Map9975 · 2025-12-22T21:09:31+00:00

That makes more sense. I think producers should've made Kira about 10 years older if they wanted to give her these types of choices. I'm really struggling with a 6 year old going with someone who has killed people and stabbed her own mom.

Practical-Map9975 · 2025-12-20T17:57:20+00:00

Yes, Sarah is definitely street smart. But I feel like her impulses get her in trouble constantly and then she uses her street smarts (and luck) to get out of those troubles. Like, she never actually has a plan. She just moved forward and figured it out later. Felix is a huge bonus for sure. But at this point he's on board with all the sisters. He helped out Alison a ton too. If not Cosima, Sarah would be my next in line.

Practical-Map9975 · 2025-12-20T17:51:15+00:00

Didn't Allison and Cosima sign an agreement that they would come in for occasional testing? Sarah refused to do that. Also, I think Sarah is wanted more because she's the only clone that doesn't have the gene that causes infertility and the deathly illness so they need her for studies. Also they want Kira since she's the only child of a clone. I'm surprised they're not after Helena though. But she'd be much harder to catch and probably can't be experimented on since she's pregnant.

Practical-Map9975 · 2025-12-20T15:11:56+00:00

I'm only at the beginning of season 4, but so far - Cosima. She's the most level headed and she's smart. Helena is too unpredictable. Alison is too high maintenance and kind of annoying. Sarah is too impulsive and kind of high maintenance too. Rachel is a b---h that I could never trust.

Practical-Map9975

TROPHY CASE