Random Thoughts

[thetruepandagod]

i'd eat a salmon bagel

[thetruepandagod]

been known to sprinkle some kosher salt in my food from time to time

[Gredival]

I just knocked the original Spider-Man off the backlog, and I think I have to say it's probably the best retelling/reimagination of Peter's origin story. The Spider-verse movies is better for Miles, but I think even as a "Spider-Man" story in terms of what the two share and what that moniker means, it was better than those movies too.

[Zealot]

Fuck They Are Billions

Fuck every city building survival game by extension

Zombie games in general on thin ice

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[Cail]

Fuck They Are Billions

Fuck every city building survival game by extension

Zombie games in general on thin ice

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They Are Billions gets brutal...

[Milkster]

How did the Asian rabbi blow out his birthday candles?

[Milkster]

Hebrew

[Zealot]

Got good at They Are Billions, got cocky and jumped the difficulty up to 800%. Now mad at the game again.

[Xno Kappa]

Think I’m gonna door dash some Peruvian chicken for lunch.

[Gredival]

Is this where we were discussing retirement and investment stuff?

I opened a ROTH IRA at SoFi to get under the gun on 2023 contribution, but mistakenly opened an active one vs. a robo one. SoFi self help says transferring to a robo one requires moving the cash out back to an external then into another IRA, which I'm pretty sure negates the benefits of last year's contribution limit so it seems like it would be best for me just to open a second robo one for this year's contribution and actually do some active investing with the first one ya? Was thinking about the standard safe bets for individual stocks like Amazon, Google, Microsoft, Disney. Anyone have recommendations on some risk adverse ETFs or such?

Also if the Fed lowers rates as expected, it's a good time right now to open a CD and lock in a high rate beforehand. I was looking around because my current CD is maturing. If rates hold until next month, BMO with a 5.55% and Marcus by Goldman Sachs at 5.5% are the best options if anyone is curious.

[Anoat]

Sir this is where we discuss titties food and vidya

[Gredival]

Mah bad it was the giraffes thread.

[Zetanio]

Is this where we were discussing retirement and investment stuff?

I opened a ROTH IRA at SoFi to get under the gun on 2023 contribution, but mistakenly opened an active one vs. a robo one. SoFi self help says transferring to a robo one requires moving the cash out back to an external then into another IRA, which I'm pretty sure negates the benefits of last year's contribution limit so it seems like it would be best for me just to open a second robo one for this year's contribution and actually do some active investing with the first one ya? Was thinking about the standard safe bets for individual stocks like Amazon, Google, Microsoft, Disney. Anyone have recommendations on some risk adverse ETFs or such?

Also if the Fed lowers rates as expected, it's a good time right now to open a CD and lock in a high rate beforehand. I was looking around because my current CD is maturing. If rates hold until next month, BMO with a 5.55% and Marcus by Goldman Sachs at 5.5% are the best options if anyone is curious.

As you've already paid the taxes on the Roth contribution and if you won't pay any penalty to shift it into a robo, I would do that. If they're going to make you report the gains and pay taxes on them then just leave it.

For ETFs. it really matters if you want to minimize your expense ratio. iShares/Vanguard have a ton of conservative/moderate allocation ETFs. I think they're probably a decent play long term but they do tend to hold too much in bonds per their glide paths and allocation strategies for my taste. As an example: https://money.usnews.com/funds/etfs/...om#topholdings holds 50% debt at the minute which is a pretty lame split. Their expense ratio is like .15% which is pretty decent for a managed ETF that's not a complete pass-through like VOO.

Don't invest in individual stocks imo. If you want that, just buy a basket like VOO or even combo up with a % of VOO/BNY Mellon Large Cap and BNY Mellon Core Bond ETF. They're all 0% expense ratio and you can divvy as you want.

None of this should be construed as actual investment advice, they're merely my opinions as I'm not a RIA.

If I was going to recommend

[Roranora]

ugh. rich people

[Zetanio]

this is how medium income people invest. rich people invest in property and via family offices like total assholes.

[thetruepandagod]

but i am wealthy and keep all my money in cash in a beanie that says retired drug dealer

[thetruepandagod]

please don't go in my closet and steal said beanie.

[Xno Kappa]

Now fuck everything while I watch Sopranos episodes to a cheesecake.

[Zealot]

I'm over halfway through They Are Billions and on track to get the 70,000 points achievement, but the second half is the most difficult one. I've cleared everything up to this point on either 500% or 800% difficulty but even with those bonuses I still have only a little wiggle room to get all the points. If I can do that I never have to touch the campaign again.

[Melena]

Just finished season 3 of Castlevania. Fucking hell they broke Alucard's heart there.

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