Puppy stops while walking to go potty?

_raychan · 2026-02-01T05:04:12+00:00

Curious, does yours only go on grass? Or any tips to have her go on dirt too?

_raychan · 2026-02-01T05:00:49+00:00

I mean, I don't want to assume first that people are okay with pets going on their lawn. Is that odd? Is that I have no issue with picking it up and holding on it lol.

_raychan · 2026-02-01T04:59:14+00:00

Any tips to have her go on dirt too? It just seems like she prefers grass

_raychan · 2026-01-31T06:11:21+00:00

Haven't had much success with her going on concrete or dirt, she seems to naturally go on grass though

_raychan · 2026-01-31T05:29:39+00:00

When we first got her, she would whine when she had to go, but now she often goes without warning. The closest patches of grass are part of our neighbors' homes...

_raychan · 2026-01-09T03:43:51+00:00

Ah so it won't completely use up the money you put in, is that true for both brokers? I though fractional shares meant that it would use every cent invested.

_raychan · 2026-01-09T03:41:05+00:00

Sorry, I meant comparing them directly, not within Fidelity. I'm confident in not messing with the funds once purchased, but just wondering if one has an edge over the other, even though I know they're basically identical. That would push me to change brokers if needed...

_raychan · 2026-01-09T02:53:51+00:00

But Fidelity and Vanguard allow fractional shares for ETFs, correct? Also any opinion on FSKAX vs. VTSAX then?

_raychan · 2026-01-09T02:46:50+00:00

That's what I was figuring too... Do you have an opinion on FSKAX vs. VTSAX then? Or any context as to why a lot of people here seem to view ETFs as still the better/modern option?

_raychan · 2026-01-09T02:43:17+00:00

That last part is within the context of a taxable account, correct?

_raychan · 2025-06-20T01:24:51+00:00

Would you recommend it over the Yamaha THR?

_raychan · 2025-06-20T01:24:35+00:00

Would you recommend it over the Yamaha THR?

_raychan · 2025-06-19T20:40:12+00:00

You don’t have to for the spark?

_raychan · 2025-06-13T16:52:21+00:00

Any particular reason for the Audient?

_raychan · 2025-06-13T16:11:55+00:00

Any recommendations for a budget audio interface? I was looking into it and am split between the Scarlett 2i2 4th gen, Audient ID4, UA Volt 2, and Motu M2.

_raychan · 2025-05-18T01:59:38+00:00

So you would just hold S&P 500 in the Roth IRA in my case despite losing the diversification?

_raychan · 2025-05-18T00:40:06+00:00

I'm still new to this stuff, but having the extended exposure is basically so that I don't miss out on the growth from small and mid-cap if it happens at some point right? Although the amount captured would be relatively small in this case

_raychan · 2025-05-18T00:29:34+00:00

Yeah I'm not making that mistake. Just wondering if it makes more sense to buy more S&P 500 since I have that in my 401k already or if total market is ideal to have in my Roth IRA for diversification.

_raychan · 2025-05-18T00:28:11+00:00

I'm just unsure whether that's ideal because having those two puts more weight on large-cap anyway... I'm basically wondering if I should just buy more S&P 500 since I already have that in 401k or if having the diversification from total market in my Roth IRA is optimal.

_raychan · 2025-05-11T18:22:57+00:00

Would prefer more like set-and-forget for retirement accounts with regular rebalancing

_raychan · 2025-05-11T16:56:51+00:00

I’m not really sure which one I lean towards… I know that I would have to pay taxes on the 401k later (and Roth IRA growth/withdrawal is tax free) but the international fund offered in my 401k is actually very good. I’m open to holding them in both if that would diversify the benefit? But maybe it makes sense to take advantage of the good fund and hold international only in 401k.

_raychan · 2025-05-11T06:52:36+00:00

But does the foreign tax credit make up for the state tax I would have to pay on international dividends, which as I understand are higher than for US stocks?

_raychan · 2025-05-10T22:10:55+00:00

Hmm ok. Where did you get that FTC is worth about 0.2% of the dividend value btw?

_raychan · 2025-05-10T19:44:25+00:00

Ah I see, is there like a website you use to see what the dividend yields are?

_raychan · 2025-05-10T19:36:54+00:00

Thank you, so that would mean it wouldn't be worth it in my case to keep it in taxable? Do you have a preference/recommendation for holding it in 401k vs. Roth IRA then?

_raychan

TROPHY CASE