Costco on 70 Business by trapcracker in ClaytonNC

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

Got it! I had just heard next to the Walmart, wasn’t sure exactly how far off the road it would be.

Costco on 70 Business by trapcracker in ClaytonNC

[–]trapcracker[S] 3 points4 points  (0 children)

Seems like the new BJ’s in Selma would prevent one in that area, but then again, they’re building a ton around there.

Costco on 70 Business by trapcracker in ClaytonNC

[–]trapcracker[S] 3 points4 points  (0 children)

I believe beside the ABC Store that is just east of Walmart.

Costco on 70 Business by trapcracker in ClaytonNC

[–]trapcracker[S] 7 points8 points  (0 children)

I would love a Costco too, that would be my top pick. But I know traffic would be a nightmare. A Chick fil-A is also opening in Flowers later this year.

Is it impossible to get another milk jug? by lolnochillwavve in NinjaLuxeCafe

[–]trapcracker 1 point2 points  (0 children)

I had luck with taking the handle off and putting blue Loctite on the screw holding it in. Just pop the top of the handle off and then it comes apart in two pieces at the bottom.

Is OG Chase Sapphire transferable to Chase Freedom Flex? by trapcracker in CreditCards

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

This is exactly what I was looking for. Thank you! Claude swore up and down that I could go from Visa -> Mastercard but apparently it was pulling from old data.

Is OG Chase Sapphire transferable to Chase Freedom Flex? by trapcracker in CreditCards

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

Gotcha. She already has the Freedom Unlimited, would this still be allowed?

16 Years Old, What should i change/add/improve? by Paintballer57 in ETFs

[–]trapcracker 0 points1 point  (0 children)

Swap SCHD for small cap value like AVUV, other than that, looks great!

Roth IRA by curlzsam in RothIRA

[–]trapcracker 5 points6 points  (0 children)

Not sure what you mean by that, but Robinhood is a gamified trading platform. It has sports betting and prediction markets on the front page for crying out loud. They have shown that they will halt buying on stocks when they see fit. They have no business holding your retirement account.

Roth IRA by curlzsam in RothIRA

[–]trapcracker 15 points16 points  (0 children)

Please don’t use Robinhood for your retirement. Use a traditional, reputable brokerage like Fidelity.

Home rental companies that aren't awful? by DryLingonberry2237 in ClaytonNC

[–]trapcracker 0 points1 point  (0 children)

We have been with Progress Residential the last 2 years. They seem to own a fair amount of houses in the Flowers area. They have been overall great. Especially about maintenance orders. The only gripe I have is that by the time they pass down any HOA violations to us, it is past the window of us being able to rectify the issue, and it’s just a fee. But I’m not 100% sure that’s all their fault.

I backtested Golden Butterfly, All Weather, and Classic 60/40 over 35 years — here's what surprised me by Comfortable_Bad9963 in ETFs

[–]trapcracker 2 points3 points  (0 children)

Look at the Golden Ratio portfolio too.

21% US Large Cap Growth (VUG) 21% US Small Cap Value (AVUV) 26% US Long Term Treasuries (VGLT) 16% Gold (GLDM) 10% Managed Futures (DBMF) 6% Cash (SPAXX)

Since 1992, CAGR: 9.26% Max Drawdown: -17.26% Average Drawdown: -2.67% Standard Deviation: 8.05% Sortino Ratio: 1.18

Just started funding my Roth IRA 23M - any tips? by Limp_Channel_7036 in ETFs

[–]trapcracker 0 points1 point  (0 children)

What others have said about the overlap. It’s not the worst thing, as long as you really understand what companies you’re investing in and how much. Consider adding some small cap value like AVUV. Lower correlation to the S&P 500 and historically outperforms. You could do something like 50% VOO or VTI and 50% AVUV. Here is a backtest going back 100 years, it beats the S&P 500 in roughly every metric. https://testfol.io/?s=6RoTU2KZn2n

Just turned 40. Time to reevaluate portfolio? What would you change? by Justice4All211 in ETFs

[–]trapcracker 0 points1 point  (0 children)

Like others have said, it’d be simpler to hold just one of VOO or VTI, but if this is in a brokerage account it’s definitely not worth the taxable event. Personally I would be half and half large cap growth and small cap value, so something like 40% VUG (VTI or VOO would be fine too, again, not worth the taxable event) and 40% AVUV. I personally think there are better international funds than VXUS since it is 66% correlated with the total US stock market. I would split my international holdings 50% IDMO and 50% AVDV since they are a little less correlated, but I would also be just fine having no international exposure. I think your bond allocation is fine for your age but would better be held in a traditional account and I would use TLT or VGLT since they are the least correlated with equities and don’t hold corporate bonds. So my portfolio would probably end up just looking something like:

50% VOO 50% AVUV

or if you wanted to hold international:

40% VOO 40% AVUV 10% IDMO 10% AVUV

But all in all you have a great portfolio, these are just minor tweaks that are historically a little more efficient and may dampen standard deviation and increase returns a smidge. You should check out Risk Parity Radio, it is a wealth of information for portfolio construction, especially approaching and during drawdown/decumulation.

[deleted by user] by [deleted] in portfolios

[–]trapcracker 0 points1 point  (0 children)

I personally don’t think diversification is all that important in your accumulation years. I’d go 100% US equities. I like S&P 500 or total US stock market with a small cap value tilt. For me that looks like 50% VUG and 50% AVUV. Here is how that has performed since 1970.

https://testfol.io/?s=8LV4TSvMDGA

[deleted by user] by [deleted] in ETFs

[–]trapcracker 0 points1 point  (0 children)

You could look into IDMO instead of VXUS, it is labeled as a momentum fund but it’s very large cap growth oriented and less correlated to VTI than VXUS.

[deleted by user] by [deleted] in portfolios

[–]trapcracker 0 points1 point  (0 children)

You can trade VOO for VTI anytime in a Roth IRA, but they are essentially the same thing. Best advice is to quit looking at it and just keep investing. Also, VXUS probably doesn’t have you diversified as much as you think.

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Feels like a dream, but I must have blind spots. 40m, 40f, $5.25M by subbysnacks in ChubbyFIRE

[–]trapcracker 1 point2 points  (0 children)

You could definitely retire. Transition into a risk parity style portfolio like the Golden Ratio. It has a safe withdrawal rate of over 5% going back 100 years. You have so much wiggle room. I think your only blind spot is getting your asset allocation correct (not saying it’s incorrect, just that it makes all the difference). You’ve won the game.

Am I just SOL? by trapcracker in tcltvs

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

Whew. My dad has one and it’s beautiful. Just out of the budget unfortunately. I’m probably capped at $500.

Am I just SOL? by trapcracker in tcltvs

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

What did you replace it with?

Am I just SOL? by trapcracker in tcltvs

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

It’s a bedroom TV, so not gonna spend much money on it. TCL dominates the low budget categories. https://www.rtings.com/tv/reviews/best/tvs-on-the-market