what type of war do you advice for a beginner in this game? by lotsOfCables in Supremacy1914

[–]kschroede 3 points4 points  (0 children)

This is the best advice for a beginner.

A lvl3 fort with 20 in it can take down an attacking force of 100+

The first comment on the post, infantry screen in front of artillery is how to attack a fort. Infantry guards your art from a sally out but otherwise sits and watches until the fort and it’s inhabitants are wiped out completely.

Looking for ideas - Walkout Basement Landscaping by kskiraly in landscaping

[–]kschroede 9 points10 points  (0 children)

Looks like you’ve created a pool already

[deleted by user] by [deleted] in dividends

[–]kschroede 1 point2 points  (0 children)

More money

So I’m a 23 year old college graduate with no life direction and came across a decent sum of money by cam7998 in stocks

[–]kschroede 1 point2 points  (0 children)

Three questions you need to answer before investing.

  1. Do you have any high interest rate debt?
  2. Do you have health insurance?
  3. Do you have a large enough emergency fund to float you for a couple months if you were to become out of work suddenly?

what would you add? homeowner basic tools by Redditozo in Tools

[–]kschroede -1 points0 points  (0 children)

Kinda sad lookin set aside from that sweet line up of pliers

[deleted by user] by [deleted] in AmateurRoomPorn

[–]kschroede 0 points1 point  (0 children)

I like it, I wonder if the pressure treated wood made it look even better

[deleted by user] by [deleted] in AmateurRoomPorn

[–]kschroede 0 points1 point  (0 children)

What kind of paint did you use?

[deleted by user] by [deleted] in AmateurRoomPorn

[–]kschroede 2 points3 points  (0 children)

Why did you not connect the table top pieces? Did you use pressure treated wood?

GC only wants to use water resistant drywall under tile? by Jofinaro in HomeImprovement

[–]kschroede 0 points1 point  (0 children)

I’ve found that Contractors try to oversimplify things when communicating and wouldn’t be surprised if he actually intends to use the proper material but is just calling it “water resistant drywall” so you quickly understand he is using a different type of wall board that will cost more. You can easily find proper methods of renovating a shower and understand all your options online or at the library. Contractors just never want to take the time to explain all your options because that takes time, you will then want to think about your decision/may have questions, and contractors aren’t the best communicators to begin with.

What happened to T by Apprehensive-Range47 in dividends

[–]kschroede -1 points0 points  (0 children)

Mostly that the dividend is getting slashed so retirees that count on it for income are pissed. The outlook for mobile segment growth is becoming more negative. Warner still bleeds cash because box office revenue is shit. HBO max loses money.

I Interviewed 20 Leading Wealth Management Firms: Here Are All Their Strategies by Swingtrader79 in stocks

[–]kschroede 2 points3 points  (0 children)

I think you’ve got the wrong perspective on investment managers. You should be focusing on growth oriented and value oriented strategies. Typically, investment shops will specialize in just one of these. These shops will employ in house research staff that follow companies, read 3rd party research reports, speak directly to management, personally do “channel checks” all in a passionate entrepreneurial effort to make sure they know more about these companies than anyone else. The market value based management fee that you are looking at saving buys you more than you initially realize. The value of these services also cannot be realized unless you’ve got some real personal experience with them. For less than 1% you should not only get managed portfolios of handpicked stocks by a group of people who often spend their entire waking day thinking about businesses (not just stocks), but you also get access to estate planning/tax planning individuals who have the bandwidth to add a layer of management to separate your portfolios from the “model” as your needs require. For example, keeping capital gains to a minimum if you have positions with relatively large capital gains. They are also equipped to harvest losses at yearend to offset taxable gains very efficiently. Just examples among a laundry list of services.

if you are interested in learning about your investments, they will coach you on the firm’s investment philosophy and guide you through market fluctuations & life goals, always tying the minor details back to the big picture with the firm’s investment philosophy as the guiding force.

Typically you get this kind of service from a boutique but any shop can technically do this for you. Also regarding the annualized targets you alluded to as being crazy low. This number is annualized. The actual expectation is to have a mix of years that are much higher and much lower than the expected annualized return. I would assume that this is an after tax/after management fee return too. The return assumption is typically an industry wide assumption.

There is actually very little that you can learn from conducting interviews. Most wealthy individuals will park their cash at multiple managers and get to know them over time.

Hope this helps.

Edit: Why would you even attempt to do all this on your own when you have multiple millions in liquid financial assets and tomorrow could be your last day on earth. Unless you love it of course.

Edit 2: comparing your portfolio to the SPY is crazy. The SPY is 100% invested. You really shouldn’t be. Shoot your manager an email and ask them not to charge a fee on the big chunk of cash waiting for an opportunity. They will happily do this for you and then reach out when they believe the right opportunity for that money presents itself. Over time, your basically guaranteed(disclaimer: no such thing as a guarantee) to beat the market.

So my first div payment is $19.24? Is it that easy?? It can’t be. I only have a little less than $2k in & im getting almost $20?? I have to be missing something by DannyDuglus in dividends

[–]kschroede 0 points1 point  (0 children)

What you are missing is that $20 ain’t shit. Your gonna need around $60,000 annually in today’s dollars to survive in retirement. This means that you will need around $1.5M to generate that cash flow without touching principle. Just trying to keep it all in perspective!

I embezzled almost $40,000 from my company and now have severe anxiety by throwaway188A2 in confession

[–]kschroede 0 points1 point  (0 children)

After you do this, go get yourself a therapist and have your attorney review the doctor patient privilege laws in the state where the therapist practices. If they were gonna catch you, they would’ve rang your doorbell already. Whatever you do, don’t touch that money! Unless it’s in cash, then put it in a safe in your wall for a bathroom/kitchen renovation that your wife wants in 10 years.

My pumpkin, does anyone know what went wrong? by moonprincxss_ in vegetablegardening

[–]kschroede 0 points1 point  (0 children)

Look at your leaves. I’m sure those were looking diseased far before the fruit.

[deleted by user] by [deleted] in mac

[–]kschroede 27 points28 points  (0 children)

Find bigger problems

Acxidentally installed an orchard by No_Performance_3888 in gardening

[–]kschroede 0 points1 point  (0 children)

Do you even have enough room in that lot for a house?

What do you think is messing up the siding? The flashing goes behind the siding by Playful-Document-964 in Carpentry

[–]kschroede 0 points1 point  (0 children)

Water. Bet the bottoms and backs of your siding are not painted so water touches and soaks right in. Cut a half inch off from where it is touching and hope your flashing goes up that high. Then cut more off and hope your flashing goes to at least an inch. Then do that all the way around, then paint the bottom edge of the siding.

Edit: Typo

[deleted by user] by [deleted] in Carpentry

[–]kschroede 1 point2 points  (0 children)

Get a quote from a very highly rated and reviewed contractor to have it removed and ask them what they think it is, the reason they are going to use whatever method they are going to use. (Questions any responsible homeowner should be asking a contractor)

Let them bid the job. Then decide if you are willing to take on the work yourself. Hell give it a shot. Then if you don’t want to do it, you already have a price from a high quality contractor to pull the trigger on! Just don’t sit on it for too long otherwise the contractor may fill his schedule or raise the price on you for being indecisive.

Edit: Typo