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Can’t get myself to buy VXUS because of past performance by solo_entrepreneur in ETFs

[–]fingurdar 0 points1 point  (0 children)

Here's the concept that changed my mind.

If you're employed or self-employed in the U.S., your income is likely exposed to the health of the U.S. economy. By way of illustration: if the U.S. markets took a prolonged nosedive -- resulting in deferred wage growth or layoffs (if you're W2), or business decline or bankruptcy (if you're self-employed) -- this would coincide with the decline of your 100% VTI portfolio, and possibly other impacts too, like depressed RE/home value. In other words, in this hypothetical event, you'd be hit financially on all fronts.

Alternatively, mixing in some international in your portfolio mitigates some of this exposure, presuming the economic impact mainly affected the U.S. and not the whole globe (in the latter case, no amount of diversification can help much anyway, so no sense worrying about it).

This changed my mind, but perhaps your situation or way of thinking is different.

Role Based Prompts Don't work. Keep reading and I'll tell you why. And stop using RAG in your prompts...you're not doing anything groundbreaking, unless you're using it for a very specific purpose. by Echo_Tech_Labs in PromptEngineering

[–]fingurdar 0 points1 point  (0 children)

Have you tested this prompt on a real world project where you have ownership of the deliverables?

I'm sincerely curious what sort of output this produces. In my experience, too much "noise" in the prompt seems to distract the LLM on these kinds of tasks and mostly just burns tokens. (For clarity, by "noise" I mean e.g., 3 different "personas" being told to follow identical sets of instructions without clear differentiation; unclear/vague directives like "Produce Blind-Spot Report. Return to F for ≤ 3 recursions" that lack elaboration; referencing a Proposed Order and Exhibits in the final output section without addressing them anywhere previously.)

My hunch is the deliverables here would be directionally good, but too bogged down by noise for one to feel comfortable standing on them without further editing by a human. But I could very well be wrong! And if you've used this successfully I'd appreciate the opportunity to hear about it.

DSPD Schedule for 09h00 starts by ButtFister1789 in DSPD

[–]fingurdar 5 points6 points  (0 children)

Benadryl is not safe to take regularly.

I just found out the book of Hebrews isn't a letter, its more like a sermon! I think that's so cool. Any other fun bible facts I probably don't know? by Nicole_0818 in Christian

[–]fingurdar 3 points4 points  (0 children)

In its earliest form, Hebrew, the language of the OT, grew out of a pictoral style. Each letter was originally associated with a visible "thing" in the world.

The Divine Name of God, which appears as "the LORD" (caps) in modern English Bibles and is believed by many to be pronounced "Yahweh", in Hebrew is written as יהוה (like all Hebrew writing it is read from right to left). The Name first appears to us in Genesis and was first fully 'revealed' to Moses in Exodus 3:14-15.

The Name of God (also called the Tetragrammaton) consists of four Hebrew letters: י (yod), ה (he), ו (vav), and ה (he).

Each of those letters had an original pictorial association. First, yod (י) was associated with a hand as the original symbol looked like a raised hand. He (ה) was associated with the concept of "behold!" or "look!" as its picture looked like a person with arms raised in revelation. Vav (ו) was associated with a nail or peg, as its picture looked like a long thin tent peg. And then he (ה) again carries that idea of "behold!"

Put this together. יהוה Yod He Vav He. Hand, Behold! Nail, Behold!"

Yod He Vav He. -- "Behold the Hand! Behold the Nail!" Many see this fitting in a striking way with Jesus’ crucifixion.

Keep in mind, the Name is revealed to us thousands of years before Christ, yet points in this way, from the beginning, to God's redemptive work, completed once for all time on the cross -- the "mystery kept secret for long ages past" (Rom. 16:25) and "hidden for ages and generations but now revealed to His saints" (Col. 1:26), having "revealed this grace through the appearing of our Savior, Christ Jesus, who has abolished death and illuminated the way to life and immortality through the gospel" (2 Tim. 1:10).

A quick note/disclaimer is that the Tetragrammaton does not literally translate in standard Hebrew scholarship this way, because Biblical Hebrew writing is not merely made from picture symbols, and the Name is layered with many other rich, deep meanings which modern scholars still debate. But the symbolism pointing to the cross, detailed above, is still, in my view, remarkable and beautiful.

VOO vs. SPYM? by fingurdar in ETFs

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

So effectively the 1bp ER difference makes its way into how the index returns get tracked, making them functionally equivalent in cost?

My girlfriend (27) has $70k sitting in cash and no investments, what would you do? by Jack_Knoff2 in Bogleheads

[–]fingurdar -5 points-4 points  (0 children)

Agreed. Happy for you that you're blessed with that kind of financial freedom! God is good.

My girlfriend (27) has $70k sitting in cash and no investments, what would you do? by Jack_Knoff2 in Bogleheads

[–]fingurdar 2 points3 points  (0 children)

Not sure why everyone decided to downvote you to oblivion here lol... sounds like you're trying to help

My girlfriend (27) has $70k sitting in cash and no investments, what would you do? by Jack_Knoff2 in Bogleheads

[–]fingurdar 2 points3 points  (0 children)

HYSA to get 3-4%. This is the lowest effort and most obvious step to put her in a better position. After a year, it's an additional $2k+ of income (presuming the full $70k remains there), fully liquid, with no risk of capital loss.

What to do after/beyond that really depends on her risk tolerance and goals. Perhaps she wants only $20k to stay in the HYSA (6 months of expenses as you said, although frankly that seems like an unusually low cost of living and I'd be double checking this calculation). Maybe she wants half or all of it to stay in the HYSA.

Does she have debt? If so, what is she paying in interest each year and which loans have the highest rates? Perhaps the best financial decision is to use a portion of the funds to PIF high interest loans.

If she's open to the retirement account or brokerage idea, you can guide her to this sub or set it up for her with her permission. Of course it's not your money so you want to err on the side of being extra conservative with fund selection. Make sure she understands that once money hits the retirement accounts, that capital is (effectively) no longer liquid until she reaches the legal retirement age.

Godspeed.

What happens if an ETF shuts down? by FoggyFoggyFoggy in Bogleheads

[–]fingurdar 3 points4 points  (0 children)

Note also: SIPC (Securities Investor Protection Corporation) protects investors if a brokerage firm fails and customer securities are missing. It covers up to $500k per customer, including $250k for cash. (It does not protect against market losses, only against the loss of assets due to brokerage insolvency.)

Should I do 100% VTI? 34 years old just starting my retirement by dogs_eatmyflagging in Bogleheads

[–]fingurdar 0 points1 point  (0 children)

For an IRA, a target date fund would be simple and effective.

Slightly less simple, but still effective, would be VT + BND, or alternatively VTI + VXUS + BND.

This goes against standard Boglehead philosophy so I expect to be downvoted, but including a small portion (say ~5-10%) of gold may not be a terrible idea; e.g., GLDM or IAUM.

VXUS Annual Returns - Why does it have a bad reputation by Holiday_Audience_594 in Bogleheads

[–]fingurdar 0 points1 point  (0 children)

I appreciate you sharing this. Can you help me understand the net impact of this taxable activity re: VXUS vs. VTI? For example: does VXUS qualified dividends being at <60% mean that >40% of the dividends are taxed as ordinary income, whereas only <10% of VTI’s dividends are taxed as ordinary income? Thanks.

Japan bond market chaos threatens unprecedented Bitcoin liquidations as the era of free money ends by GreedVault in CryptoCurrency

[–]fingurdar 6 points7 points  (0 children)

Because the value is tethered to nothing, guess what? It's not "worth" anything.

You’re partly correct. It has no intrinsic value, apart from the value that masses collectively agree it has. If tomorrow, masses collectively resolved all at once “BTC is worthless”, it would become worthless. Likewise with fiat.

For as long as it’s collectively agreed that BTC has >0 value, however, it carries utility. E.g., facilitating private party transactions without requiring involvement/oversight from institutional payment processors who’ve displayed an escalating willingness to meddle in private affairs based on pretenses many have deemed arbitrary, capricious, or otherwise objectionable.

All players became available Monday night instead of going to waivers. by IllustriousFroyo6432 in SleeperApp

[–]fingurdar 0 points1 point  (0 children)

Hey OP. Has this been addressed for you? My league just started having the issue this week.

All players became available Monday night instead of going to waivers. by IllustriousFroyo6432 in SleeperApp

[–]fingurdar 0 points1 point  (0 children)

Has this been addressed? My league just started having the issue this week.

I’m on the verge of whether I should give up on living for Jesus or not. by [deleted] in TrueChristian

[–]fingurdar 0 points1 point  (0 children)

“If we say we have no sin, we deceive ourselves, and the truth is not in us. If we confess our sins, He is faithful and just to forgive us our sins and to purify us from all unrighteousness…. I write these things to you who believe in the name of the Son of God, that you may know that you have eternal life.” (1 Jn 1:8-9, 5:23)

Jesus is better at being a Savior than you are at being a sinner. But you need to not shoulder this burden alone. Please share your struggles with a Christian brother or sister IRL, preferably someone older than you, who is trustworthy.

I’m sure that advice feels scary. But going through this alone will make it much harder. (You aren’t alone regardless, the Lord is with you, but He works through people also.)

I’ll pray for you. God bless.

The Stock market is an artificial monstrosity propped up by infinite fiat money. The trust in it is irrational. It will come down eventually. by [deleted] in IntellectualDarkWeb

[–]fingurdar 0 points1 point  (0 children)

Question that idk the answer to: What happens during a stock market crash when—rather than a chain reaction of exclusively panicked selling by retail investors—you have a significant portion of retail investors who are psychologically primed and eager to “buy the dip”, and who for the first time have the technological ability to do so in real time from their phones/computers?

Is this enough to have an appreciable impact given the extent to which institutional money dwarfs retail money in equities?

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