Everyday Is Saturday

Led Zeppelin II > I

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A stat came out that 40% of high school graduates this year have never tried alcohol. Which isn’t a sign that high school kids are being more careful, it’s a sign that high school kids don’t know how to have fun and socialize.

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My kids were working dat 60% fun like an art form.

Kidding. Sad state of affairs. Glad to hear what makes us human is making a come back. Pity this is even a thing.

No

Awesome!

We will next have:

- Bernie Madoff was just misunderstood finance planning

- Pompous AI cheating Harvard graduation ceremony

- Romeo & Juliet open marriage ain’t cheating novel

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wife has grown impatient.

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Even the Warren Buffetts, Benjamin Grahams or Jack Bogles cannot mitigate this risk!

Hear you. But I would listen to TorchtheflyingTiger. Good advice.

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On a $500,000 portfolio that’s $5000 a year for them to contact you monthly, do an analysis of your assets, and provide investment advice.

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Now do it for 15-20-yrs. That 1% will cost that $500,000 portfolio approx $110,000 in guaranteed AUM fees and opportunity cost. See the trick they play? It’s only 1%! Hide time value of cost while selling time value of returns.

I’d go fee based for a plan that includes tax efficient income planning, possible RMD reduction strategy, etc.

Spend the next year learning planning/investing basics. Then DIY with confidence.

Most importantly, keep the $100,000 in future self’s own pocket. The last thing a retiree needs during retirement are FA fees the equivalent to a student loan or more.

Sorry for your loss (Dad). Tough stuff.

I am of mindset to use meds as very last resort. I’m not a Dr.

Have found success in the following formula:
- Sleep well (foundation of it all)
- Eat right foods at right time of day
- Move most days of week (your fav movement, whatever that is)
- Get sunlight
- Stay hydrated

These things are no longer “actions to get weight loss”. Rather, this is now the lifestyle I enjoy. This mindset change is the secret sauce for me.

If wish to drop 10lbs in few weeks, cut out alcohol. Another 10, cut the processed foods crap. Replace with fish/chicken, fresh fruits and vegetables, water for sugar drinks, and dairy sparingly.

Don’t deprive yourself. Splurge on your favs now and again. Cheat meals matter. Just flip from always / often to exception.

My bio numbers have always been pretty solid when following this lifestyle.

Know not easy and know what I do is not one size fits all. Sharing in spirit that actions before meds might be worth the shot (pun an accident).

Good luck!

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Edward Jones is fine for the average investor.

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Expensive (very) and can be overly complex. Maybe the well below average investor who does not calculate the astronomical destruction of value from high fees.

OP, get yourself in contact with Fidelity or Vanguard or perhaps an Ameriprise (fee based, not assets under mgmt (AUM) % costs). Perhaps your existing 401k is already with one of them? If you trust the institution that holds your 401k, speak to them.

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convicted of kidnapping, torturing, and burying alive a mother, her son, and his friend back in 1996.

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No vein, shove it up his arse, down his throat, or in his eye.

Near miss?

Them tire tracks in sand…