1) Not a sweater guy. T-shirts ONLY 75% of the time and then a pullover (different from a sweater) on cold days over a t-shirt.
2) I wear shorts almost every day, even in the winter. I wear jeans only if going out in cold weather.
3) I am a bit of a neat freak and so would never wear stained clothes, certainly not from the day before.
4) I'm actually not a fan of fireplaces, and so my house doesn't have one.
5) I am very particular about the food I eat and how it is prepared which is the main reason I am a very good cook, and I would never knowingly eat expired food.
6) I DO get television over the air, but no rabbit ears. It's a square digital receiver. BUT, I don't do that to save money. I have and pay for 6 streaming services (Netflix, Max, Hulu, Disney+, ESPN+, and Amazon Prime Video). When the Olympics start, I will add Peacock to the list, and then depending on whether I like it or not, I may keep it or not. So, I have more than enough of that kind of entertainment available to me. I also have TIVO to record over-the-air stuff I want to watch later.
7) I don't wear socks with holes. When holes develop in socks, we ball them up and give them to our dog to play with because he loves that.
8) Your depiction of me living a boring spend-nothing life is typical of people who didn't save/invest enough to try to make yourself feel better. I spend money. I eat out at least once a week. I own three cars even though I don't need three cars. I vacation frequently...2-3 times a year I take at least a one week vacation somewhere. I have been in all of the states in the continental US and plan to get to Hawaii at some point. I have no burning desire to go to Alaska. My house is modern and updated. I own a lot of very expensive musical equipment. I don't need to own all of that, but I enjoy them all, so I do.
There you have it.
I was more interested in what's in your mutual funds, but thanks for that, FP.
1) Not a sweater guy. T-shirts ONLY 75% of the time and then a pullover (different from a sweater) on cold days over a t-shirt.
2) I wear shorts almost every day, even in the winter. I wear jeans only if going out in cold weather.
3) I am a bit of a neat freak and so would never wear stained clothes, certainly not from the day before.
4) I'm actually not a fan of fireplaces, and so my house doesn't have one.
5) I am very particular about the food I eat and how it is prepared which is the main reason I am a very good cook, and I would never knowingly eat expired food.
6) I DO get television over the air, but no rabbit ears. It's a square digital receiver. BUT, I don't do that to save money. I have and pay for 6 streaming services (Netflix, Max, Hulu, Disney+, ESPN+, and Amazon Prime Video). When the Olympics start, I will add Peacock to the list, and then depending on whether I like it or not, I may keep it or not. So, I have more than enough of that kind of entertainment available to me. I also have TIVO to record over-the-air stuff I want to watch later.
7) I don't wear socks with holes. When holes develop in socks, we ball them up and give them to our dog to play with because he loves that.
8) Your depiction of me living a boring spend-nothing life is typical of people who didn't save/invest enough to try to make yourself feel better. I spend money. I eat out at least once a week. I own three cars even though I don't need three cars. I vacation frequently...2-3 times a year I take at least a one week vacation somewhere. I have been in all of the states in the continental US and plan to get to Hawaii at some point. I have no burning desire to go to Alaska. My house is modern and updated. I own a lot of very expensive musical equipment. I don't need to own all of that, but I enjoy them all, so I do.
There you have it.
I was more interested in what's in your mutual funds, but thanks for that, FP.
Flagpole some years back; Here are some randomly chosen funds I own (all percentages are annual returns): Artisan Mid Cap Inv CL - has done 13.73% for life (1997). Fidelity Contrafund - 12.28% for life (1967) Fidelity Diversified International Fund - only 8.85% for life (1991) Fidelity Dividend Growth - 10.23% for life (1993). Fidelity Small Cap Discovery Fund - 9.48% for life (2000). Fidelity U.S. Bond Index Fund - only 7.10% for life (1990) but they are bonds after all. Vanguard Wellington Fund Investor Shares - only 8.12% for life (1929). Vanguard Small-Cap Index Fund Investor Shares - 10.40% for life (1960). Vanguard Windsor II Fund Investor Shares - 10.22% for life (1985) Vanguard Extended Market Index Fund Investor Shares - 10.30% for life (1987)
He said he's out of FI, so scratch off Fidelity U.S. Bond Fund and Vanguard Wellington. I seem to recall he's out of International also. He has stated he uses either American Funds or American Century Growth, can't remember which, in his personal account.
And still killing whales with an idiotic stupid idea.
Are you the same guy who was recently belittling Greenpeace?
No, merely drawing the picture how liberalism has been twisted by the left. Like all the work that was done to get to Title IX, and now to have posters like you support fake women competing against real women. Or cramming EVs down the public that many don’t want, have 80% more problems than a combustible engine. And of course the DEI movement that allowed a plagiarizing unqualified Black woman become a millionaire as Harvard President.
Lanai is the sixth-largest of the Hawaiian Islands and the smallest publicly accessible inhabited island in the chain. It is colloquially known as the Pineapple Island because of its past as an island-wide pineapple plantation. The island's only settlement of note is the small town of Lanai City. As of 2012, the island is 98% owned by Larry Ellison, co-founder and chairman of Oracle Corporation; the remaining 2% is owned by the state of Hawaii or individual homeowners.
Flagpole, if you go, make sure to look up Larry Ellison, the cofounder and chairman of Oracle, the well known tech. company whose stock is 42% owned by institutions and funds, and he can show you how it is very likely it to be in the mutual funds you own.
… posters like you support fake women competing against real women. Or cramming EVs down the public that many don’t want, have 80% more problems than a combustible engine. And of course the DEI movement that allowed a plagiarizing unqualified Black woman become a millionaire as Harvard President.
Feel free to point out posts where I have supported any of those. Or you could just STFU, but i’m not going to count on that.
I was more interested in what's in your mutual funds, but thanks for that, FP.
Flagpole some years back; Here are some randomly chosen funds I own (all percentages are annual returns): Artisan Mid Cap Inv CL - has done 13.73% for life (1997). Fidelity Contrafund - 12.28% for life (1967) Fidelity Diversified International Fund - only 8.85% for life (1991) Fidelity Dividend Growth - 10.23% for life (1993). Fidelity Small Cap Discovery Fund - 9.48% for life (2000). Fidelity U.S. Bond Index Fund - only 7.10% for life (1990) but they are bonds after all. Vanguard Wellington Fund Investor Shares - only 8.12% for life (1929). Vanguard Small-Cap Index Fund Investor Shares - 10.40% for life (1960). Vanguard Windsor II Fund Investor Shares - 10.22% for life (1985) Vanguard Extended Market Index Fund Investor Shares - 10.30% for life (1987)
He said he's out of FI, so scratch off Fidelity U.S. Bond Fund and Vanguard Wellington. I seem to recall he's out of International also. He has stated he uses either American Funds or American Century Growth, can't remember which, in his personal account.
You d' man!
Picked one randomly - the American Century Growth Fund (since you noted it in his personal account, possibly), and lookie here:
Rinse your mouth out you loser. I wouldn’t waste my time with your constant phony nonsense.
Thanks for admitting that you lied.
No, merely drawing the picture how liberalism has been twisted by the left. Like all the work that was done to get to Title IX, and now today’s left supports fake women competing against real women. Or cramming EVs down the public that many don’t want, have 80% more problems than a combustible engine. And of course the DEI movement that allowed a plagiarizing unqualified Black woman become a millionaire as Harvard President.
I was more interested in what's in your mutual funds, but thanks for that, FP.
Flagpole some years back; Here are some randomly chosen funds I own (all percentages are annual returns): Artisan Mid Cap Inv CL - has done 13.73% for life (1997). Fidelity Contrafund - 12.28% for life (1967) Fidelity Diversified International Fund - only 8.85% for life (1991) Fidelity Dividend Growth - 10.23% for life (1993). Fidelity Small Cap Discovery Fund - 9.48% for life (2000). Fidelity U.S. Bond Index Fund - only 7.10% for life (1990) but they are bonds after all. Vanguard Wellington Fund Investor Shares - only 8.12% for life (1929). Vanguard Small-Cap Index Fund Investor Shares - 10.40% for life (1960). Vanguard Windsor II Fund Investor Shares - 10.22% for life (1985) Vanguard Extended Market Index Fund Investor Shares - 10.30% for life (1987)
He said he's out of FI, so scratch off Fidelity U.S. Bond Fund and Vanguard Wellington. I seem to recall he's out of International also. He has stated he uses either American Funds or American Century Growth, can't remember which, in his personal account.
Man. I will add clarity.
1) I no longer have any bond funds...haven't for years now.
2) You are correct that I no longer own any bonds. Decided against bonds years ago.
3) I am not out of international funds. Have them.
4) I did at one point have American Funds. I no longer do. Those were funds that I inherited, but it wasn't all that much, I wasn't enamored with them, so we cashed out. They were non-retirement funds. Regarding inheritence, My wife and I to date have inherited a grand total of $15,000 in two separate instances, so not a big part at all of my net worth. As far as future inheritences go, my parents are comfortable, but they are living on his pension, SS, and small draws from their smallish retirement accounts. They have said they want to give any money left over when they die to their 6 grandchildren. Fine by me. Their money, they can do what they want with it. Unless either of them needs extended end of life care, I assume each grand kind might get about $50,000 based on what my parents have said. That would be nice for them. My wife's parents on the other hand are The Millionaires Next Door, and I'm pretty sure they are the Multi-Millionaires Next Door. My Father-in-law is the one who got me so into investing early and as much as possible. He didn't have a pension to fall back on like my father does. He was laid off from his corporate job at age 53...actually he took early retirement OR face a layoff. They gave him a year's salary, and at the time he told me he could stop working then if he wanted to. He's a guy who likes to work though, and so he found another job and continued working until he was 70. My mother-in-law continued working until she was 65. They live very frugally, and he told me they paid for their first house in 7 years and then have bought two houses since for cash. My guess is that they have at least $3 million, but it would not shock me if it is much more than that. My wife has a brother, and her parents have told us that they will split their estate 50-50 between my wife and my brother-in-law, so unless they have a change of heart or require very long-term extended care, I estimate we will at least inherit a million dollars from them, and likely more, especially if they live for a long time yet. I have never counted on any of that, of course. All 4 of the parents of both of us are healthy and in their early 80s. My dad is the oldest of the group at 83. The women on my wife's side of the family all live into their late 90s, so I can see my MIL living that long or longer. I hope they all live to be over 100, and I think there's a chance they all might. That would be super cool.
Flagpole some years back; Here are some randomly chosen funds I own (all percentages are annual returns): Artisan Mid Cap Inv CL - has done 13.73% for life (1997). Fidelity Contrafund - 12.28% for life (1967) Fidelity Diversified International Fund - only 8.85% for life (1991) Fidelity Dividend Growth - 10.23% for life (1993). Fidelity Small Cap Discovery Fund - 9.48% for life (2000). Fidelity U.S. Bond Index Fund - only 7.10% for life (1990) but they are bonds after all. Vanguard Wellington Fund Investor Shares - only 8.12% for life (1929). Vanguard Small-Cap Index Fund Investor Shares - 10.40% for life (1960). Vanguard Windsor II Fund Investor Shares - 10.22% for life (1985) Vanguard Extended Market Index Fund Investor Shares - 10.30% for life (1987)
He said he's out of FI, so scratch off Fidelity U.S. Bond Fund and Vanguard Wellington. I seem to recall he's out of International also. He has stated he uses either American Funds or American Century Growth, can't remember which, in his personal account.
You d' man!
Picked one randomly - the American Century Growth Fund (since you noted it in his personal account, possibly), and lookie here:
Sector Weights:
Information Technology: 44%
Communication Services: 12%
Let's try another: Artisan Mid Cap Fund
Sector Weights: Information Technology: 29.3%
Communication Services: 5.9%
So, of those two, they have are both tech heavy.
Starting to notice a pattern?
Well, I have never owned the American Century Growth fund, so knock that off your list. Yes, I own some tech. Still not tech heavy like you want to believe for some reason.
Lanai is the sixth-largest of the Hawaiian Islands and the smallest publicly accessible inhabited island in the chain. It is colloquially known as the Pineapple Island because of its past as an island-wide pineapple plantation. The island's only settlement of note is the small town of Lanai City. As of 2012, the island is 98% owned by Larry Ellison, co-founder and chairman of Oracle Corporation; the remaining 2% is owned by the state of Hawaii or individual homeowners.
Flagpole, if you go, make sure to look up Larry Ellison, the cofounder and chairman of Oracle, the well known tech. company whose stock is 42% owned by institutions and funds, and he can show you how it is very likely it to be in the mutual funds you own.
Flagpole, if you go, make sure to look up Larry Ellison, the cofounder and chairman of Oracle, the well known tech. company whose stock is 42% owned by institutions and funds, and he can show you how it is very likely it to be in the mutual funds you own.
I own Oracle...of course I do.
Of interest to the two of you is Ellison desire to make Lanai sustainable. He owns the two Four Season Resorts on the island. One at the beach, the other near the island high point, about 3,000 foot elevation. Cook’s pines line the road from the airport to the higher elevation resort. Pretty, unusual, not like any of the other islands. We were there a decade ago, we pretty much had the upper resort to ourselves. At the time you could go back and forth between resorts. The one on the beach similar to other island. The upper resort was really something special.
I checked out the Four Seasons site and the upper resort is now elite, by any standard. Does not take reservations. Actually preferred the previous set-up, shortly after Ellison purchased the island.
I checked out the Four Seasons site and the upper resort is now elite, by any standard. Does not take reservations. Actually preferred the previous set-up, shortly after Ellison purchased the island.
So, would you still recommend that island?
I would be slightly interested to see what Ellison has done there as I worked with Oracle software for years. But, there are other islands to explore if it's too nutty there.
Flagpole some years back; Here are some randomly chosen funds I own (all percentages are annual returns): Artisan Mid Cap Inv CL - has done 13.73% for life (1997). Fidelity Contrafund - 12.28% for life (1967) Fidelity Diversified International Fund - only 8.85% for life (1991) Fidelity Dividend Growth - 10.23% for life (1993). Fidelity Small Cap Discovery Fund - 9.48% for life (2000). Fidelity U.S. Bond Index Fund - only 7.10% for life (1990) but they are bonds after all. Vanguard Wellington Fund Investor Shares - only 8.12% for life (1929). Vanguard Small-Cap Index Fund Investor Shares - 10.40% for life (1960). Vanguard Windsor II Fund Investor Shares - 10.22% for life (1985) Vanguard Extended Market Index Fund Investor Shares - 10.30% for life (1987)
He said he's out of FI, so scratch off Fidelity U.S. Bond Fund and Vanguard Wellington. I seem to recall he's out of International also. He has stated he uses either American Funds or American Century Growth, can't remember which, in his personal account.
You d' man!
Picked one randomly - the American Century Growth Fund (since you noted it in his personal account, possibly), and lookie here:
Sector Weights:
Information Technology: 44%
Communication Services: 12%
Let's try another: Artisan Mid Cap Fund
Sector Weights: Information Technology: 29.3%
Communication Services: 5.9%
So, of those two, they have are both tech heavy.
Starting to notice a pattern?
Those 2 you picked out have very high expenses ratios (1.17% and 1%). Over the long haul those 2 are getting hammered by index funds AND the Dow.
Flagpole some years back; Here are some randomly chosen funds I own (all percentages are annual returns): Artisan Mid Cap Inv CL - has done 13.73% for life (1997). Fidelity Contrafund - 12.28% for life (1967) Fidelity Diversified International Fund - only 8.85% for life (1991) Fidelity Dividend Growth - 10.23% for life (1993). Fidelity Small Cap Discovery Fund - 9.48% for life (2000). Fidelity U.S. Bond Index Fund - only 7.10% for life (1990) but they are bonds after all. Vanguard Wellington Fund Investor Shares - only 8.12% for life (1929). Vanguard Small-Cap Index Fund Investor Shares - 10.40% for life (1960). Vanguard Windsor II Fund Investor Shares - 10.22% for life (1985) Vanguard Extended Market Index Fund Investor Shares - 10.30% for life (1987)
He said he's out of FI, so scratch off Fidelity U.S. Bond Fund and Vanguard Wellington. I seem to recall he's out of International also. He has stated he uses either American Funds or American Century Growth, can't remember which, in his personal account.
Man. I will add clarity.
1) I no longer have any bond funds...haven't for years now.
2) You are correct that I no longer own any bonds. Decided against bonds years ago.
3) I am not out of international funds. Have them.
4) I did at one point have American Funds. I no longer do. Those were funds that I inherited, but it wasn't all that much, I wasn't enamored with them, so we cashed out. They were non-retirement funds. Regarding inheritence, My wife and I to date have inherited a grand total of $15,000 in two separate instances, so not a big part at all of my net worth. As far as future inheritences go, my parents are comfortable, but they are living on his pension, SS, and small draws from their smallish retirement accounts. They have said they want to give any money left over when they die to their 6 grandchildren. Fine by me. Their money, they can do what they want with it. Unless either of them needs extended end of life care, I assume each grand kind might get about $50,000 based on what my parents have said. That would be nice for them. My wife's parents on the other hand are The Millionaires Next Door, and I'm pretty sure they are the Multi-Millionaires Next Door. My Father-in-law is the one who got me so into investing early and as much as possible. He didn't have a pension to fall back on like my father does. He was laid off from his corporate job at age 53...actually he took early retirement OR face a layoff. They gave him a year's salary, and at the time he told me he could stop working then if he wanted to. He's a guy who likes to work though, and so he found another job and continued working until he was 70. My mother-in-law continued working until she was 65. They live very frugally, and he told me they paid for their first house in 7 years and then have bought two houses since for cash. My guess is that they have at least $3 million, but it would not shock me if it is much more than that. My wife has a brother, and her parents have told us that they will split their estate 50-50 between my wife and my brother-in-law, so unless they have a change of heart or require very long-term extended care, I estimate we will at least inherit a million dollars from them, and likely more, especially if they live for a long time yet. I have never counted on any of that, of course. All 4 of the parents of both of us are healthy and in their early 80s. My dad is the oldest of the group at 83. The women on my wife's side of the family all live into their late 90s, so I can see my MIL living that long or longer. I hope they all live to be over 100, and I think there's a chance they all might. That would be super cool.
Flagpole is a great guy and all but that is just WAY too much information.
I checked out the Four Seasons site and the upper resort is now elite, by any standard. Does not take reservations. Actually preferred the previous set-up, shortly after Ellison purchased the island.
So, would you still recommend that island?
I would be slightly interested to see what Ellison has done there as I worked with Oracle software for years. But, there are other islands to explore if it's too nutty there.
Not only has Flagpole worked with Oracle software for years, he worked with Ellison to develop all of Oracle.
I was more interested in what's in your mutual funds, but thanks for that, FP.
Flagpole some years back; Here are some randomly chosen funds I own (all percentages are annual returns): Artisan Mid Cap Inv CL - has done 13.73% for life (1997). Fidelity Contrafund - 12.28% for life (1967) Fidelity Diversified International Fund - only 8.85% for life (1991) Fidelity Dividend Growth - 10.23% for life (1993). Fidelity Small Cap Discovery Fund - 9.48% for life (2000). Fidelity U.S. Bond Index Fund - only 7.10% for life (1990) but they are bonds after all. Vanguard Wellington Fund Investor Shares - only 8.12% for life (1929). Vanguard Small-Cap Index Fund Investor Shares - 10.40% for life (1960). Vanguard Windsor II Fund Investor Shares - 10.22% for life (1985) Vanguard Extended Market Index Fund Investor Shares - 10.30% for life (1987)
He said he's out of FI, so scratch off Fidelity U.S. Bond Fund and Vanguard Wellington. I seem to recall he's out of International also. He has stated he uses either American Funds or American Century Growth, can't remember which, in his personal account.
Almost none of the listed funds kept up with SP500 in 2023.
Help us build the best running shoe review site for a chance to win a LetsRun t-shirt.Help us build the best running shoe review site for a chance to win one of 10 LetsRun t-shirts.