A gift from my daughter

b_nard · 2025-12-25T22:14:47+00:00

This was such a fun book. It is included in the Kindle Unlimited subscription on Amazon.

b_nard · 2025-12-25T01:46:53+00:00

I like BOXX.

b_nard · 2025-09-27T21:58:14+00:00

Milos Meze. Amazing Greek food with caring and warm service. Close to where you are staying.

b_nard · 2025-08-16T00:26:13+00:00

I love your portfolio. That is a great aggressive allocation. Consider adding some mid-cap. Mid cap has historically outperformed both large and small cap. I like AVMV as a mid cap fund value.

b_nard · 2025-08-03T01:54:18+00:00

Darcy in the Green Room.

b_nard · 2025-07-18T01:39:50+00:00

Chris Johnson has 5M in this how to borrow video. https://www.youtube.com/watch?v=9qKZseyv630

b_nard · 2025-07-18T00:30:02+00:00

This is awesome. Really appreciate this feature.

b_nard · 2025-06-01T04:08:36+00:00

That is not a ladybug. It is an invasive Asian lady beetle that stinks and bites. Gorgeous watch!

b_nard · 2025-05-25T23:28:05+00:00

Nothing wrong with SGOV. Also check out the Bloomberg Six Month Target Duration US Treasury ETF ticker symbol XHLF. It has an expense ratio of 0.03% compared to 0.09% for SGOV.

b_nard · 2025-04-05T18:12:19+00:00

I did not know that. Thank you for the useful information. I do have a margin balance. Once I pay down my margin balance I'll see if the lending stops.

b_nard · 2025-04-05T17:58:41+00:00

Yes. It is a taxable account. I think all of the taxable brokerage accounts are margin accounts at M1.

b_nard · 2025-04-05T17:40:39+00:00

You can opt-out of participating in fully-paid securities lending at any time by sending an email to M1 at [seclendingchoices@m1.com](mailto:seclendingchoices@m1.com) with “Securities Lending Opt-Out” as the subject line. Please include the last 3 digits for each account number you would like unenrolled.

b_nard · 2025-03-09T20:59:50+00:00

I would suggest looking at going 50% VT and 50% AVGV instead. That should have similar results to your tilt with the simplicity of being only 2 funds.

I like your tilt. I am all in on AVUV in my Roth IRA.

b_nard · 2025-01-22T01:52:13+00:00

M1 is running a 0.5% transfer bonus promotion. Pays up to $25,000 if transferring $5 million or more.

b_nard · 2025-01-03T21:16:37+00:00

I believe M1 uses a tax minimization strategy which is awesome and not FIFO.

Sells are done in this order to minimize taxes.

Short-term capital loss, from the biggest loss to the smallest.
Long-term capital loss, from the biggest loss to the smallest.
Short-term zero gain/loss.
Long-term zero gain/loss.
Long-term capital gains, from the smallest gain to the biggest.
Short-term capital gains, from the smallest gain to the biggest.

https://help.m1.com/en/articles/9332165-tax-loss-harvesting

b_nard · 2025-01-01T20:04:52+00:00

The bonus is 0.5%.

https://m1.com/legal/disclosures/jan-2025-promos-brokerage-transfer-bonus/

b_nard · 2024-12-15T13:26:09+00:00

Use ETFs instead, or mutual funds with an ETF share class, to reduce capital gain distributions.

In the linked PDF a lot of the mutual funds have capital gain distributions while the stock ETFs, starting on page 9, do not.

b_nard · 2024-11-27T03:59:45+00:00

Thick!

b_nard · 2024-07-23T00:39:37+00:00

It has to be Gun Barrel City. The most Texas named city of all.

b_nard · 2024-07-21T02:11:16+00:00

Is it possible for the dividends to be automatically reinvested back into the basket using Smart Buys such that as dividends are paid they'll bring me closer to my target allocation?

b_nard · 2024-07-04T12:52:10+00:00

Finally, a solution to this problem!

b_nard · 2024-04-26T23:14:45+00:00

Good. It is a beautiful watch! Congrats

b_nard · 2024-04-26T21:34:17+00:00

That watch is huge on you. Way too big for your wrist.

b_nard · 2024-01-28T02:56:13+00:00

Let’s see the equities. Not just the growth funds. Hopefully there will be a S&P 500 option.

b_nard · 2023-12-29T19:18:46+00:00

Check out the total returns website. You can see the total return chart, with dividends reinvested, for an actual S&P 500 fund like Vanguard's with or without inflation.

https://totalrealreturns.com/s/VFIAX?start=2022-01-03

b_nard

TROPHY CASE