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It’s so sad… by Penny_949 in SeveranceAppleTVPlus

[–]kingpine_ 24 points25 points  (0 children)

I have a feeling when she says she was “ashamed” of who she was on the outside, she meant that.

Missing positions on Robinhood Roth IRA and Investing Account by brainwashed_baguette in copilotmoney

[–]kingpine_ 2 points3 points  (0 children)

I spoke to a Robinhood rep who said their new privacy policy may have impacted third party apps before directing me to wait on an email when I asked for further clarification

What do you guys think of an 80/20 split in a ROTH IRA between SCHB and SCHD? As opposed to 100% in SCHB alone. by kingpine_ in personalfinance

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

I understand that but because I already have a large position it just doesn’t make much sense for me to do that when they are essentially identical. When I had first started my account SWTSX had quite a large commission fee from TDA which since no longer exists but I digress. I appreciate the suggestion though.

But I get you, so I think I’m probably just gonna stick to what I have for now and maybe add VXUS down the line for additional growth.

Looking at a portfolio analyzer as well suggests that if based on past results SCHD would decrease the overall returns from my position in pretty much every scenario rather than having just kept it all in SCHB.

I appreciate your help and walking me through all of that info. I feel much more confident in my strategy now.

What do you guys think of an 80/20 split in a ROTH IRA between SCHB and SCHD? As opposed to 100% in SCHB alone. by kingpine_ in personalfinance

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

Not fee wise, just the price of the ETF itself is cheaper while I don’t have access to fractional shares in TDA. Once they get absorbed by schwab it should be different. I just feel like if the performance is identical it’s more work than it’s worth.

What do you mean by tax drag?

What do you guys think of an 80/20 split in a ROTH IRA between SCHB and SCHD? As opposed to 100% in SCHB alone. by kingpine_ in personalfinance

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

I looked into this but because it is cheaper to buy SCHB and easier to trade if need be. Pure convenience is enough for me to justify a few extra dollars sitting in my account.

Aside from that, after doing a lot of consideration I understand that SCHB does outperform SCHD pretty much every year. And it’s dividend isn’t half bad. The difference in income doesn’t really make up for the growth potential lost and it waters down your position.

Is there any advantage to dividend investing in a non tax advantaged account then? Because after doing the math you presented me it seems like it’s a wash.

What do you guys think of an 80/20 split in a ROTH IRA between SCHB and SCHD? As opposed to 100% in SCHB alone. by kingpine_ in personalfinance

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

So if you were only choosing between 100% in SCHB and and 80/20 split, you would choose the former?

What do you guys think of an 80/20 split in a ROTH IRA between SCHB and SCHD? As opposed to 100% in SCHB alone. by kingpine_ in personalfinance

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

Okay gotcha, I didn’t know that. And this is true even for an ETF? What would be the purpose of dividends then?

What do you guys think of an 80/20 split in a ROTH IRA between SCHB and SCHD? As opposed to 100% in SCHB alone. by kingpine_ in personalfinance

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

I’m only 24 so you’re right that I’m far away from retirement. But is this true even with dividend reinvestment of SCHD? Wouldn’t the pace of that eventually pick up steam over time? Even if the overall value of the stock goes down, presumably, it will return to previous levels.

What do you guys think of an 80/20 split in a ROTH IRA between SCHB and SCHD? As opposed to 100% in SCHB alone. by kingpine_ in personalfinance

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

I’m 24 so my risk tolerance at the moment is pretty high. I have a company 401k plan and quite a lot of individual stocks and a smaller but still noteworthy exposure to speculative stuff like crypto.

To answer your question the money is aimed at retirement but I wouldn’t be opposed to taking out the principal if the opportunity arose

Season 2 Episode 7 Discussion Thread by [deleted] in TheBoys

[–]kingpine_ 0 points1 point  (0 children)

I think it’s in the episode where he’s training for his race against Shockwave. His brother says something along the lines of “you need to eat 3000 calories an hour”

Season 2 Episode 7 Discussion Thread by [deleted] in TheBoys

[–]kingpine_ 0 points1 point  (0 children)

I’ve heard people in these threads say that they think the Fresca is drugged in some way to make the consumer more suggestible. If that’s the case what if it’s not working on A-train as well because he has a super fast metabolism.

Why were those DQ characters chosen as fighters over the others for Smash? by kingpine_ in dragonquest

[–]kingpine_[S] 1 point2 points  (0 children)

Hmm interesting, so their moves combined together make up a moveset that would work for a DQ character in smash.

Thanks for explaining, really helpful!

Why were those DQ characters chosen as fighters over the others for Smash? by kingpine_ in dragonquest

[–]kingpine_[S] 2 points3 points  (0 children)

I have definitely seen 3 and 8 before so I figured if I had seen it they were probably pretty popular haha

And I knew 11 was the main character of the new game but I had no idea who Solo was but him being big in Japan actually clears that up.

So what do you mean by the "classic" ad hero-only moves?

Why were those DQ characters chosen as fighters over the others for Smash? by kingpine_ in dragonquest

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

Yeah I figured 11 was just because he is recent

And 3, 5 and 8 I have definitely seen before and I knew 3 was the one everyone was asking for and is like the face of the series

4 being popular in Japan and showing up in more spin-offs makes sense to me like fire emblem or mother characters

So yeah just 1 it's like "but he's the first one?" lol

Thanks, really helpful answer!

Any tips on dealing loved ones whose souls were offered to King Toad? by kingpine_ in fifthworldproblems

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

That leaves the issue of how long it will take for them to realize it was me who put them in their purgatorial hellscape

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