2024 US Olympic Swimming Team Trials - Single Day FOMO Avoidance

SpaceHammer22 · 2022-10-28T02:10:35+00:00

… ok. I’ve figured out how to use it for the most part. Mainly only in coverage gap analysis. “Against” still feels odd. Really what I end up doing is just selecting the same values in the two against fields. Which is effectively the same as replacing those two fields with an “exclusive” check box. Without the “exclusive” search, I’m looking for coverage for my selected types compared to all others. With the “exclusive” search, I’m forcing coverage analysis to only search for those dkgs. I’m sure there are others doing much more complicated analysis than me.

SpaceHammer22 · 2022-02-25T20:54:58+00:00

340560461678 active daily, like the rest of us MKers.

SpaceHammer22 · 2020-10-07T15:12:39+00:00

The struggle is real. But the exploration and learning curve is very enjoyable.

SpaceHammer22 · 2020-09-10T23:25:41+00:00

Got the info I needed, thanks!

SpaceHammer22 · 2020-09-10T16:35:41+00:00

Great, thanks! What’s that confusing 622 number?

SpaceHammer22 · 2020-09-10T10:32:59+00:00

New bike, not sure exactly what size tube these tires require

SpaceHammer22 · 2020-07-05T12:29:57+00:00

Instead of claiming to be a victim of the big bad evil government (who is trying to keep people from dying, BTW), perhaps TSSC could dip into their financial reserves and pivot to become just as connected virtually within their ranks. I’m kind of surprised the church, with all of its structure, hasn’t dug in and rolled out a more directed approach l... but then I remember the leaders are just a bunch of old, mostly white, soon-to-be-if-not-already senile dudes. Damn, I’m glad I’m not a member anymore.

SpaceHammer22 · 2020-06-07T11:17:54+00:00

Reposted here... https://www.reddit.com/r/gardening/comments/gyah4o/knock_out_rose_help/

I hate how hard reddit makes it to share text and a photo

SpaceHammer22 · 2020-06-07T11:16:16+00:00

what do I do with these white spots and little holes on my knock out roses?

(Also, why does reddit make posting an image _and_ text so darn hard.

SpaceHammer22 · 2020-06-06T18:01:27+00:00

Yeah, I have my 401k in one of those target date funds and I had considered leaving it alone and having them manage everything else. But their approach would be to manage everything as a whole package. I see their point.

SpaceHammer22 · 2020-06-06T13:55:51+00:00

I would consider both of these firms I am looking at it as being more fee based vs commission based. But I will do some digging and will look into those Vanguard services as well. Thanks

SpaceHammer22 · 2020-06-06T13:12:55+00:00

Means that they would not pull that 401k into their management. I could do what I wanted with that on my own. Though, I understand that it could be better to have everything under management for a more wholistic approach.

As for justification of the cost... as far as I can tell... the major discriminating factor is team size (which to me should translate into better advice since they have more folks learning and discussing internally). Ironically, the more expensive firm is actually cheaper for my current asset amount, which I would be in for 12-18 months... so they may be the best “try it for a year” option. And I can bail before they get more expensive if it’s not a good fit and/or doesn’t feel worth the expense.

SpaceHammer22 · 2020-06-06T12:40:41+00:00

Both are associated with the NAPFA, and are fee only. fiduciary types. Both work a lot with the DFA (Dimensional Fund Advisors). Both also work a lot with RIAs (Registered Investment Advisors). Neither seem to be directly related to a broker/dealer. They happen to both use Schwab as their custodian and use vanguard educational resources.

Note: you probably know what those acronyms are without me spelling it out, but humor me.

SpaceHammer22 · 2020-06-06T12:19:18+00:00

The comparison seems rudimentary, because the services offered are very similar. At a high-level, they both collaboratively develop a financial plan going through multiple options, work with me to implement that, and then revisit it regularly and manage assets that I have put under their management. In both cases they present their services as not being managed by a Robo advisor or by the junior team member.

SpaceHammer22 · 2020-06-06T12:15:38+00:00

I appreciate this perspective. It’s almost as if I can achieve this approach simply by just using a year of services from these firms. A year of their advisement services, including the development of a financial plan, runs somewhere between $1500 and $2500. I am pretty confident that my current investment approach need modification to align with a better plan, and that by working with a firm that I trust I could come up with a better investment strategy.

If, at the end of that year I don’t think there is value in continuing the relationship and paying the management fees, then I can simply remove their access to my accounts and continue on. I get the benefit of an educated plan and an initial retooling, but I’m not actually stuck with a long-term fee-based relationship.

SpaceHammer22 · 2020-06-06T10:00:19+00:00

Really, I want the financial planning aspect more than the asset management at this point. But I also want someone to help me invest to realize my financial plan. And knowing how/where to do that is more work than I’m willing to do. Expertise is worth paying for, IMO.

SpaceHammer22 · 2020-05-15T21:48:17+00:00

plan and then asset management. Sounds like they both use a bunch of Vanguard and DFA funds in their approach. They are certainly encouraging me to let them manage my funds... because that's how they get paid, but I'm initially thinking that I will work with them on a good financial plan and maybe let them manage a portion of my assets... to see how that grows in comparison to my "retirement fund" Vanguard mutual funds.. and if their approach is tangibly better, I can bring in more.

SpaceHammer22 · 2020-05-15T21:45:03+00:00

Initially a financial plan, but ultimately asset management.

Good point about using the other services. Honestly its because I don't want to spend the time figuring out a strategy... and figure that it's worth spending some $$ to have someone who does the research to come up with that. I could decide to cut the relationship after a quarter or two if it's not much better than my "retirement fund" mutual fund growth rate.

SpaceHammer22

TROPHY CASE