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Sir Saint
| Favorite team: | LA-Lafayette  |
| Location: | 1 post |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 5486 |
| Registered on: | 6/17/2010 |
| Online Status: | Not Online |
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quote:
Each individual has their strategies and while there are textbook approaches to maximize and optimize your portfolio (taxable or not), it doesn't mean there aren't other ways to make it happen.
Fair enough. I don't think there's anything wrong with a few high conviction fliers in the Roth, I got a couple myself. Concentrated risk can pay off and in a Roth its sweet when it hits.
My issue with OP's portfolio is he's got a few hundred dollars each on a bunch of AI-adjacent tickers with apparently no thesis. He even mentioned these are ones that are down, which implies there might be more tickers in the mix. Spreading this thin almost guarantees lackluster returns and significantly caps upside.
1
the harsh truth is that this portfolio is absolute garbage for a Roth.
This is the type of thing you put in a "fun money" taxable brokerage account to play the casino. This is not what you put into one of the only tax-free withdrawal retirement vehicles available. You almost certainly are going to underperform the index if not actually lose money over a long period of time, and your future self 30 years from now is going to hate you for that.
This is the type of thing you put in a "fun money" taxable brokerage account to play the casino. This is not what you put into one of the only tax-free withdrawal retirement vehicles available. You almost certainly are going to underperform the index if not actually lose money over a long period of time, and your future self 30 years from now is going to hate you for that.
re: 2026 Lawn Projects Thread
Posted by Sir Saint on 4/8/26 at 11:27 am to bayoubengals88
still on my journey to transition from St. Aug to Bermuda in my front yard Reference post
Despite mowing at 1" twice a week and fertilizing the shite out of my yard all last summer (1/2lb N every 2 weeks), I still have a majority of st augustine. 'Muda popping through in a few places but still ~75% St. Aug. I pampered that St. Aug for years prior and now it just won't let go.
I have a hair-brained scheme to spray with quinclorac to accelerate the transition. what you think BB88 or any of my other bermuda enthusiasts ronk et. al.
ETA: also thought about verticutting or dethatching to yank up some st aug runners and give space for the bermuda to fill in. Need advice from the big dawgs
Despite mowing at 1" twice a week and fertilizing the shite out of my yard all last summer (1/2lb N every 2 weeks), I still have a majority of st augustine. 'Muda popping through in a few places but still ~75% St. Aug. I pampered that St. Aug for years prior and now it just won't let go.
I have a hair-brained scheme to spray with quinclorac to accelerate the transition. what you think BB88 or any of my other bermuda enthusiasts ronk et. al.
ETA: also thought about verticutting or dethatching to yank up some st aug runners and give space for the bermuda to fill in. Need advice from the big dawgs
quote:
Fyi Bioadvanced has a new granular product that has the same chemical as Specticle.
I used this for fall pre-emergent and the results were A1
re: Help with tree selection for front yard
Posted by Sir Saint on 2/12/26 at 8:30 pm to Crescent Connection
Idk anything about the trees you listed but a couple thoughts. 1 - you can’t just plant any tree in front of your home - make sure it’s a dwarf variety that won’t grow 30’ tall. 2 - I think a tree near your mailbox will look terrible; grass won’t grow under it so you’ll need to mulch around it, lawn won’t be as pretty, curb appeal will suffer (your house will be hiding behind the tree), etc. This idea is a hard no imo. 3 - what kind of tree is already on the right side? Might not be a bad idea to match that tree and plant near area C
re: Pre-emergent for mulched areas
Posted by Sir Saint on 2/12/26 at 12:34 pm to SoFla Tideroller
depending how big the area is. I'd probably start with Preen extended control (the orange-ish yellow container) since I have pretty good luck with that one in my rock beds and flowerbeds
You know I never realized how confusing the package labeling is. “Grass stopper” lol
you might have better luck finding Hi-Yield dimension (granular). I see that bag on shelves frequently and have never seen a bag of lesco dimension.
re: Post your most recent natural gas bill
Posted by Sir Saint on 2/11/26 at 10:15 am to Crescent Connection
quote:
CenterPoint in Youngsville.
Centerpoint has a feature in their online portal called "analyze bill" where they politely explain the various ways they are fricking you.
re: The forecast says "scalp away!!"
Posted by Sir Saint on 2/10/26 at 12:14 pm to bayoubengals88
you baggin dem clippins?
re: Pocket doors
Posted by Sir Saint on 2/2/26 at 10:04 am to The Sicilian
Have never done this, only read about it on here and other related forums and my understanding is that this is a simple idea on the surface but very complex to execute well... not the kind of project a layperson should take on and generally most people recommend against doing this altogether.
microsoft didn't grow their datacenter revenue fast enough
re: Louisiana 529 plan tax forms
Posted by Sir Saint on 1/29/26 at 10:10 am to Simon Gruber
It is mailed via snail mail. The front is a regular generic letter and the back should have your contribution info.
You do not "need" this form per se if you know how much you contributed, but good for your records.
You do not "need" this form per se if you know how much you contributed, but good for your records.
aye more power to you if you want to spend a free weekend repairing drywall and painting. I would prefer spending 5 minutes putting some putty into a brad nail hole and a dab of touchup paint. To each his own :cheers:
Times change, tastes change, styles change. You could not pay me to glue something to a wall in my house, I would not be fond of paying a dry wall and paint crew to come refinish the wall when the wife gets tired of a decoration. Nail that thing to the wall with some brads if you value your future sanity.
quote:
To me there was nothing like the old C9 lights on the house in the 70s/80s.
Company out of Utah, Tru-Tone, makes LED C7 and C9 bulbs that achieve that nostalgic warm glow that modern LEDs do not (most of the "warm white" LED bulbs nowadays are still on the cooler side). I bought some this year and they rock. Not cheap though, about 1.50 per bulb.
my back yard on 11/11 at 10:30pm
agree with this take. nobody lost money, louisiana still has one of the best 529 programs in the country (one of the few things this backwards arse state actually has gotten right). Mines staying put
re: So Louisiana's 529 Savings site has been down all week
Posted by Sir Saint on 10/7/25 at 3:38 pm to Y.A. Tittle
quote:
Facebook posting has been edited to simply say they are "insured" NOT "FDIC insured."
They had to do this because people were rightfully calling them out in the comments. The funds held within most 529 plans are mutual funds, and the FDIC does not insure mutual fund holdings.
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