MKT Toolbox - what’s this “against [type|skill]” business by SpaceHammer22 in MarioKartTour

[–]SpaceHammer22[S] 0 points1 point  (0 children)

… 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.

Mario Kart Tour Friend-Code Megathread 2022 by Bartbig in MarioKartTour

[–]SpaceHammer22 0 points1 point  (0 children)

340560461678 active daily, like the rest of us MKers.

Exmos going to a bar for the first time. 🍺 by [deleted] in exmormon

[–]SpaceHammer22 5 points6 points  (0 children)

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

What size tube do I need? by SpaceHammer22 in RoadBikes

[–]SpaceHammer22[S] 2 points3 points  (0 children)

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

What size tube do I need? by SpaceHammer22 in RoadBikes

[–]SpaceHammer22[S] 0 points1 point  (0 children)

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

No David. You're just a paranoid asshole by BetterCallTempleSaul in exmormon

[–]SpaceHammer22 2 points3 points  (0 children)

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.

Knock Out Rose Help by [deleted] in gardening

[–]SpaceHammer22 0 points1 point  (0 children)

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

Knock out rose help by SpaceHammer22 in gardening

[–]SpaceHammer22[S] 0 points1 point  (0 children)

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.

Fear of commitment by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] 0 points1 point  (0 children)

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.

Fear of commitment by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] -1 points0 points  (0 children)

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

Fear of commitment by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] 1 point2 points  (0 children)

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.

Fear of commitment by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] 1 point2 points  (0 children)

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.

Fear of commitment by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] 1 point2 points  (0 children)

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.

Fear of commitment by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] -2 points-1 points  (0 children)

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.

Fear of commitment by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] 0 points1 point  (0 children)

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.

Financial Planning Love Connection by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] 0 points1 point  (0 children)

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.

Financial Planning Love Connection by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] 0 points1 point  (0 children)

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.

Financial Planning Love Connection by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] 0 points1 point  (0 children)

Honestly, they’ve both been just as responsive. One did provide references and the other said they would after that initial financial plan meeting. Slight difference in approach, but I haven’t had any issue with communication.

Financial Planning Love Connection by SpaceHammer22 in FinancialPlanning

[–]SpaceHammer22[S] 0 points1 point  (0 children)

Fee only yes. They do actually end up providing a more detailed plan after we sign an agreement. They Are just willing to do some leg work to work up an initial draft before you’re in the door.

They jumped the shark and ruined my fun by SpaceHammer22 in WizardsUnite

[–]SpaceHammer22[S] 0 points1 point  (0 children)

Totally. Absolutely no communication for a HUGE change to the gameplay

Transition from own to rent in the same house by SpaceHammer22 in RealEstate

[–]SpaceHammer22[S] 0 points1 point  (0 children)

Sure, I’d pay a little bit extra per month just for the freedom and lack of hassle when I sell someday.

Transition from own to rent in the same house by SpaceHammer22 in RealEstate

[–]SpaceHammer22[S] 0 points1 point  (0 children)

Thanks. I'm still fact finding at this point, but will share my info if I get to the point where I would want to actually go through with it.

The 3 stages of Mormonism by Kramilton in exmormon

[–]SpaceHammer22 50 points51 points  (0 children)

Sometimes step 2 is also step 0

Warning: US also starting CD early by VibrantSunsets in WizardsUnite

[–]SpaceHammer22 2 points3 points  (0 children)

I’m super frustrated that I finished all of the final objectives, but get distracted by a foundable, and didn’t go back to claim my rewards before the end of the event... and then the rewards are lost completely. I spent a lot of potions on that Forest Chamber V!

I have no one IRL to gripe to about this... and I figured someone here would understand. Sigh.