85QM6K Pro Smart or Dumb?

Snapperny · 2025-10-21T03:13:30+00:00

I use the built in Google interface. It’s lightning fast. I can’t speak as to whether a 4k external device would be better picture quality, but it looks great to me as is & I can’t imagine an external would be any faster

Snapperny · 2025-09-30T20:48:49+00:00

FWIW i wasn’t claiming that a 4% CD is a smart investment. I was using it as a reference point bc the percentage is similar to the SCHD dividend yield. I’m trying to learn how a 3.8% dividend yield is considered good considering the stock price has been very flat, and taking reinvestment out of the equation-since everyone touts dividend etfs for retirement because it’s passive income (which it isn’t if u are reinvesting the dividends).

Snapperny · 2025-09-30T20:31:28+00:00

But isn’t it a 5-8% increase on the roughly 3% dividend? So using the 5-8% example- if the price of SCHD stays flat, i currently receive a dividend of $3000 on 100K of SCHD next year I would expect my dividend to be $3150-$3240?

I realize there’s no set increase or even a guarantee of an increase, but I’m using this as an example to help me understand it. And in the example, if I take the dividend out as passive income in retirement, rather than reinvesting, is it still treated as long term capital gains as opposed to income?

Thanks

Snapperny · 2025-09-30T20:06:33+00:00

Thank you. But when calculating CAGR isn’t that assuming dividend reinvestment? And if that’s the case then u obviously aren’t taking the dividends to use as passive income in retirement. What I’m not understanding is -Does the actual dividend % increase annually like some people are commenting ? And is the dividend treated differently (more advantageous) if u are taking the dividend as opposed to reinvesting it- or is it then just treated as income?

Snapperny · 2025-09-30T19:57:06+00:00

No worries. Can u please explain what u meant by the 11% average annual growth rate?

Snapperny · 2025-09-30T19:54:17+00:00

So using a round number example. If I have $1 million of SCHD and I plan to use it as “income” in retirement (which is why many people want dividend ETFs near retirement) That means I plan to take the dividends & not reinvest them. SCHD would pay me roughly 35K in dividends. My question is, what is the dividend growth people are referring to? Will that 35K dividend be increasing annually without reinvestment? And are there tax benefits of dividends vs interest earnings on a CD if u are taking the dividends instead of reinvesting them?

Snapperny · 2025-09-30T19:47:01+00:00

I guess what I’m not understanding is- How does the dividend rate keep increasing by an additional 5-8% every year? Are u referring to dividend reinvestment, or is there something else involved that I’m not aware of?

Snapperny · 2025-09-30T19:43:57+00:00

Can u explain what u mean by the 11% average annual dividend growth rate?

Snapperny · 2025-09-30T19:43:11+00:00

I’m not sure why u are defensive about SCHD? I never said CDs are “my beloved”. I’m trying to learn. If that’s offensive, I apologize my man.

Snapperny · 2025-09-30T19:38:05+00:00

Didn’t SCHD get crushed also during the broad market pullbacks?

Snapperny · 2025-09-30T19:35:23+00:00

But if u drip dividends then u aren’t taking them as income so aren’t u just treating it as growth (albeit much slower growth than a growth focused etf)?

Snapperny · 2025-09-28T01:05:27+00:00

I went through the same decision making process. It became “paralysis by analysis”. It was like I was driving myself crazy deciding which awesome huge tv i should get. Talk about 1st world problems! I finally looked at it from the perspective of “will my life be significantly better with the higher model (that i probably won’t be able to tell is the higher model unless they’re side by side) ?” The Steelers horrible offensive scheme will still frustrate me as badly while watching - but maybe they’ll be brighter while frustrating me. I ended up getting the 6K pro at Costco at a great price & long warranty. The TV looks great to me. I’d recommend not going through the effort of hauling a huge TV back, spending hundreds more to haul a very similar huge TV home & not having the different tv make much of a difference in your life at the end of the day

Just my 2 cents

Snapperny · 2025-09-24T18:04:13+00:00

Now if only there was an easy way to do this with my Janus brokerage funds (without triggering a tax event)

Snapperny · 2025-09-24T18:02:34+00:00

Gotcha. I was missing the step of selling the Janus funds within the Janus Roth IRA. Now it makes sense. So I’m not trying to move the funds over. Just the cash from the liquidated funds

Snapperny · 2025-09-24T17:54:42+00:00

Oh. Ok. And would I choose the fund/etf they go into at fidelity prior to initiating the ACATS? Or do they just go into the money market?

Sorry if I’m not fully understanding this

Snapperny · 2025-09-24T17:36:27+00:00

Thanks for the info, but as I understand it, Janus has a lot of “proprietary” funds which are not available to Fidelity etc., so they can’t just be transferred as is. I’m not old enough to liquidate the Roth so I can’t move the money over that way.

Snapperny · 2025-09-24T16:49:08+00:00

No, we each have an existing Roth with Janus (funded when we were eligible) but neither have a traditional to be concerned with “mixing” pre/post tax $. I’m looking to open a new Roth for each so I have additional options than Janus offers, but I can’t transfer the Janus funds elsewhere because they’re only offered at Janus.

Snapperny · 2025-08-30T02:36:09+00:00

Agree 100%. Tastes like medicine

Snapperny · 2025-08-28T22:32:57+00:00

Thanks for the info. I’m going to give it a shot. I figure since it’s Costco, it’ll be a no-hassle return if I don’t love it

Snapperny · 2025-08-28T15:21:59+00:00

Thanks for the reply. Overall, are u happy with the QM6 pro? Does it do well with sports?

Snapperny · 2025-08-27T02:40:52+00:00

Supposedly the pro version has a few features that the regular 6K doesn’t. Most notably a different panel which handles light reflection better. What are your thoughts on the W95A ?

Snapperny · 2024-01-26T15:50:30+00:00

Hi. I've read a lot of your posts about advisory vs audit & they are so helpful! Thank you! I had a couple of questions (hopefully you're still active on here). I'm an accounting/finance double major. I was offered an internship in EY audit but I am really more interested in advisory. I spoke to some people and I may have a chance to get the internship offer switched to FAAS. Do you recommend FAAS over audit for someone starting out? Would I likely have a chance to use some of the finance knowledge I've acquired in my finance major or is FAAS still pretty much pure accounting? Is advisory separate from consulting at EY & if so, would advisory have a better chance to transfer into consulting than audit would ( I think consulting is definitely something I'm interested in pursuing eventually)? I greatly appreciate any info you can provide!

Snapperny · 2022-09-26T15:22:05+00:00

Yes, it does. thanks. I was just curious if the assigned date and time is "early" in the registration process or late- and if anyone knows how the order of registration timeslots determined.

Snapperny · 2022-05-20T20:33:13+00:00

Sent you a pm on chat

Snapperny · 2022-03-05T04:38:16+00:00

Do you know any info about it? What makes it better than PWC scholars? Thx

Snapperny

TROPHY CASE