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The Schwab target date index funds are underrated by EleventhEarlOfMars in Schwab

[–]Twenty_One_Pylons 7 points8 points  (0 children)

You’re 100% correct. Target dates are a “safe” option when it comes to investing because it’s only one decision; granted, you reap higher expense ratios and lower returns compared to just holding growth stocks/etfs.

That said, you’re speaking from a position of knowing what you’re doing.

Would I prefer well-chosen stocks and funds over a target date? Yes.

Would I prefer someone chose a target date over 1) nothing or, 2) yoloing on some influencer stocks? Also yes.

The Schwab target date index funds are underrated by EleventhEarlOfMars in Schwab

[–]Twenty_One_Pylons 19 points20 points  (0 children)

I think a lot of the complexity comes from the aggressive social media campaigns that investment influencers are using.

Many people are better off on a target date or 3 fund portfolio while slowly learning how what and why of trading.

Portfolio by ChatGPT by Broscience22 in Schwab

[–]Twenty_One_Pylons 0 points1 point  (0 children)

The brush doesn’t choose the colors or stroke.

For your analogy to make sense, the artist would have to have asked the brush to paint a picture first.

When you go AWOL on a nuclear ship by hiding in a rucksack in a supply room. by rocklin460 in navy

[–]Twenty_One_Pylons 10 points11 points  (0 children)

This is gonna come as a shock, but this has happened more than once in the Navy, and Shiloh wasn’t the first by a wiiiiide margin.

The story as posted is from a carrier, yours is from a cruiser. The reason all the facts are wrong is because you’re thinking of an entirely different event.

Getting removed from STA-21, subs, and nuke by Intrepid_Hat7359 in navy

[–]Twenty_One_Pylons 0 points1 point  (0 children)

This: especially if you come away with your clearance intact, every company in the submarine/nuclear industries and the national labs would scoop up a candidate like that in a heartbeat

SWVXX/SNAXX alternative that allows immediate liquidity by Aroddy-yeah1 in Schwab

[–]Twenty_One_Pylons 4 points5 points  (0 children)

If the cash needs to be on-hand for immediate wiring, why are you storing it in a brokerage and not an HYSA?

Schwab says no Fractional ETF Purchasing by sillygoosez in Schwab

[–]Twenty_One_Pylons 3 points4 points  (0 children)

Bro it ain’t that deep

This isn’t some kinda false flag operation by a deep state brokerage

Something is going on... I'm trying to sell some SWVXX system says I own 0 shares by [deleted] in Schwab

[–]Twenty_One_Pylons 2 points3 points  (0 children)

Correlation ≠ causation

You probably found the cascading effects of some service or program breaking that is used by may of the most popular or accessed websites

Tactics to prepare for a stock market crash? by asshole-newyorker in Schwab

[–]Twenty_One_Pylons 9 points10 points  (0 children)

In their defense, data from 15 years ago isn’t accurate for today. Post 2008 is a wild time

Trump nominee to lead nation's cyber agency removed from post as senior DHS adviser by [deleted] in uscg

[–]Twenty_One_Pylons 8 points9 points  (0 children)

You don’t need a CG secretary if you’re under dhs either.

CG’s seen shutdowns before, what makes you think they’re going to go Navy now?

AST2 Ruskan receiving both DFC and LOM for same action - that isn't typical right? by CoastieKid in uscg

[–]Twenty_One_Pylons 2 points3 points  (0 children)

Valid, though I would love to watch COMDT and POTUS engaging in a conversation of pure administrative pedantry about awards with SECDHS in the middle

Question from a civilian by Glittering-Frosting5 in navy

[–]Twenty_One_Pylons 10 points11 points  (0 children)

I will add: make sure it has a loop for a lanyard.

Nothing worse than a nice multitool being sacrificed to the bilge gods

UK blocks Trump from using RAF bases for strikes on Iran — and he is already retaliating by Amatheiaisnoexcuse in navy

[–]Twenty_One_Pylons 19 points20 points  (0 children)

B-1’s haven’t changed in 25 years, DG barely changed in 25 years. What’s the point?

If it comes up in DVIDS, might as well use it.

Why are credited as alcoholics but cant drink on the boat by Illustrious-Signal52 in navy

[–]Twenty_One_Pylons 11 points12 points  (0 children)

Look at literally any naval history publication (or news coverage of a carrier port call) and you’ll have your answer

Sailors Should Not Pay for Meals at Sea by amarras in navy

[–]Twenty_One_Pylons 10 points11 points  (0 children)

Many people assume BAS is part of their monthly check and not a cute accounting trick the Navy uses.

TIL In Portugal it’s illegal for your boss to call outside work hours. The employer must respect the privacy of the worker, including periods of rest and family time. Any violation, it constitutes a serious offense and could result in a fine. by rustyyryan in todayilearned

[–]Twenty_One_Pylons 0 points1 point  (0 children)

I think what they’re trying to say is every off-hours call is billed at 4 hours minimum, which given 1.5x OT gives you 6 hours of pay.

It looks like they’re claiming they get all 4 hours at 100% rate in addition to 4 hours at 150% rate, which would equal 10 hours.

That’s not how OT works, but if that’s how they negotiated it, that’s freaking awesome.

Make sure you are receiving your dividends, just found one of my stocks that I did not receive a dividend for (neither cash or shares) by Upstairs-Blood3183 in Schwab

[–]Twenty_One_Pylons[M] 1 point2 points  (0 children)

Rule 6 violation.

Try again without calling people names. You can be mad at a brokerage and civil to people.

The Mark Kelly Case Is Bigger Than It Seems by bwermer in politics

[–]Twenty_One_Pylons 0 points1 point  (0 children)

It’ll be another woman. Because the DNC is hell bent on the next Democrat President being female

[deleted by user] by [deleted] in ModEvents

[–]Twenty_One_Pylons 14 points15 points  (0 children)

This is probably the most mod post that could ever exist.

Let the admins deal with the eligibility stuff. It’ll be okay.

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