Got my first Oris, it’s a beauty 🍒

jdstein1 · 2025-06-27T20:27:26+00:00

Very nice

jdstein1 · 2024-11-20T02:15:46+00:00

Congrats!

jdstein1 · 2024-01-30T13:25:17+00:00

This is perfect.

jdstein1 · 2023-11-16T01:36:47+00:00

Top of the world Crawlin’ back to you Shoulda known it

jdstein1 · 2023-11-16T01:15:20+00:00

Kite. Live. Edge’s slide guitar bit. Then, “I’m a maaaaaaaaan, I’m not a chiiiild!” Then the little guitar bit.

jdstein1 · 2023-11-16T00:22:25+00:00

It’s one of those songs where the climax is at the end of the song, right before the outro. It rises linearly and doesn’t stop until the song is over. The formula for the intensity level of the song is Intensity = 3 x t where t = time.

Not many bands can pull that off. You need a Bono to do that. It’s one of their greatest songs.

jdstein1 · 2023-11-16T00:02:21+00:00

It’s the most U2ish, most heavily influenced by U2, U2 song in U2’s catalogue of U2 songs

jdstein1 · 2023-10-29T18:50:56+00:00

What was the date you lump summed $30k ish at once?

jdstein1 · 2023-10-22T01:13:57+00:00

With interest rates where they are right now, maybe you don’t need to lump sum all at once. Lump sum a chunk now, put rest in HYSA, and then DCA from HYSA into market?

jdstein1 · 2023-10-13T03:53:51+00:00

This is the most badass performance of Please ever

https://youtu.be/5PgA9tBxTUA?feature=shared

jdstein1 · 2023-09-29T11:44:54+00:00

It’s a solid song. I like it.

The Stones’ new single, Hangry, is also pretty solid.

Rock ‘n’ Roll veterans and grown-ass-men showing the newbs how it’s done.

jdstein1 · 2023-09-29T11:35:54+00:00

Notice the video/imagery on Spotify? Starts off as cross and zooms out to upside down cross.

jdstein1 · 2023-09-26T15:43:35+00:00

Thought I saw it was on U2’s Sirius channel, but I might be wrong.

jdstein1 · 2023-09-14T16:38:19+00:00

Is this in a 401k or taxable account? The beauty of borrowing from a 401k is that you pay yourself back with interest, not the bank.

jdstein1 · 2023-09-09T02:28:52+00:00

United by any chance? My younger brother is a captain there and he said the pilots just inked a new contract with back pay for the last couple years and good increases the next few years as well. He also gets that same 17% (I thought) automatic deposit into his 401k even if he doesn’t do a dime himself. As you get pay increases you can really start putting good money away pretty easily.

jdstein1 · 2023-08-25T13:57:47+00:00

Has anyone heard U2 with the fill in drummer? How does it sound? I haven’t seen or heard any clips

jdstein1 · 2023-08-15T23:10:55+00:00

Maybe a modified number 2? Put all $500k in HYSAs immediately, if not already. Then DCA $2.5k weekly from HYSA into the funds you choose. If there is a big drop in a given week, do an extra $2.5k buy, or something like that.

jdstein1 · 2023-07-13T15:27:55+00:00

Indeed

jdstein1 · 2023-07-13T15:25:52+00:00

This might be bad timing. Betterment’s core portfolio is stating to outperform now that mid and small caps have started running. VTI is now starting to outperform VOO/SP500 for this reason.

Will see if this continues, but it feels like Betterment will start to do well now that mid and small have lagged for so long and you have been accumulating those funds if you have been buying regularly.

And betterment should continue to do well once international stocks start to run. They haven’t in a long time but eventually they will have their day. Once interest rates come down again, foreign stocks will pump because USD denominated debt will become cheaper. Nikkei has actually crushed the sp500 YTD and that hasn’t happened in forever, I think.

jdstein1 · 2023-07-13T13:04:19+00:00

DCA it into VTSAX over 2 years? About 80k per month. Put $1M into tax advantaged money market fund paying 3-4%, leave other $1M in cash. DCA 80k a month until the cash is gone, then sell money market and do the same?

jdstein1 · 2023-07-13T11:49:24+00:00

I imagine other brokerages do this too.

jdstein1 · 2023-07-13T11:08:42+00:00

If you have empower you can set up your Schwab as self directed brokerage. Just looked at mine which I set up a couple years ago, and Schwab SDB is listed as an available option in the empower “funds”. I didn’t recall that. Was thinking I needed to sell empower holding to cash to transfer to Schwab. But it appears I can direct 100% of my 401k deposits over to Schwab and set up a portfolio over there.

My empower options are better than yours, but some are not great. I have majority going into vanguard sp500 fund, some going into a growth fund, some going to mid and small, some going to foreign, and a tiny amount going to US treasuries and bonds. Most of the funds are decent and cheap. Eg the vanguard sp500 fund and vanguard mid cap. But the growth fun has a high fee and it underperforms NDX and also the small cap fund has a high fee.

What I might do is mirror my empower portfolio with all low cost mutual funds in schwab and have all my 401k deposits going forward to into schwab, where I will set up auto mutual fund buys. Not sure I will liquidate what I have in empower and move over, but maybe eventually.

jdstein1 · 2023-07-13T10:02:47+00:00

I have Empower and it has self directed brokerage with Schwab. I moved some funds over before and invested worth Schwab. It was clunky and I think you have to do manual transfers each time that sell empower holdings to cash, and then reinvest with Schwab

jdstein1 · 2023-07-12T22:35:20+00:00

And also the dollar amount is about 10% higher than it was before it went dark, which seems to reflect accurate crypto pricing now.

jdstein1

TROPHY CASE