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microsoftedgy69 · 5 years

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Day 2

// sorry mobile users, this starts with an old chatlog so it’s probably long. it’s also sad. all i can say in my defense is he has good wholesome plans for as soon as this is over

July, 2428

windows9k

Hey, can I ask you something about dream bubbles?

trolldannyzuko

shoot.

windows9k

I don't know much about them. Who ends up there? Surely not everyone who ever dies? Did you have to be an active Sburb player, or... Basically, do you know about the conditions?

trolldannyzuko

they havwe to had been invwolvwed in the game. doesnt matter if they played it. carapaces end up here, ivwe seen sprites too. if they die after creating their newv univwerse and entering it, though? i think thats vwhere the luck runs out.

windows9k

So, then. Would it be enough if they were awake on their moon, but hadn't actually started playing the game yet?

trolldannyzuko

did the game happen in that univwerse at all. because if so, the bubbles should reach. horrorterror influence doesnt exactly adhere to the constraints of linear timestreams.

windows9k

It should have, but it hasn't. Yet. So someone would have to start it for the bubbles to reach the universe?

trolldannyzuko

if the game is going to be played in that univwerse, the bubbles should already exist.

windows9k

Oh. Alright, I see. And to get there as someone who hasn't died, you only have to dream?

trolldannyzuko

yes. but only if your moons vwere destroyed. if you still havwe a dream self, you vwill dream there.

windows9k

Ok. Last question. Is there any guarantee that the dead player ends up there, if these conditions are met? Or is there a chance that it doesn't happen?

trolldannyzuko

it is guaranteed. howvevwer, ghosts can die.

windows9k

I see.

trolldannyzuko

so the person youre avwoiding might be double dead.

windows9k

Oh. Is this likely?

trolldannyzuko

a lot of bubbles havwe been massacred so far, completely destroyed along vwith the ghosts or dreamers inside. i couldnt givwe you an accurate statistic by any means, but at the rate i heard this vwas going dowvn? vwe might ALL be gone soon.

windows9k

Well. That sure is a big frightening issue I was not aware of until just now.

trolldannyzuko

i havwent heard anything about it in a vwhile, but im bad vwith time. i cant givwe you a straight ansvwer.

windows9k

That's understandable. Thank you for the answers you did give. This was very informative.

trolldannyzuko

vwhy dont you just search for them in your dreams. if you found them you could duke it out or havwe a lovwely reunion, i still cant really tell if youre hunting dowvn or avwoiding this person.

windows9k

Yeah. Me neither.

Today

Mostly, you put your charging ports into your back for aesthetic reasons. You always liked the look of it. You designed your whole charging unit so as to still make it possible for you to sleep on your back if you want to, without wearing out the cable or getting too tangled up in it. But sometimes, when you charge, you still like to just lie face-down on your bed and not worry about that at all.

You are spent.

Your body is made from lightweight material that makes you weigh even less than a human your size would, and yet you feel heavy in a way that has nothing to do with your chassis. Drained in a way that your charging unit cannot fix. On your personal interface, without moving, you scroll through your old log with Cronus again, and again.

Cronus got a soulbot. You saw it. You helped work on it, a tiny bit. You don’t understand how a dead soul can be transferred into a piece of metal, but you know it’s possible, and it’s not entirely surprising to you either, considering who you are.

You could build the robot in a handful of days. Maybe three, if you don’t sleep. You’d have to find a Zahhak to hit up and see if they can help you with the soul part. You could get this done in a week, probably.

Dirk will be gone by this time tomorrow.

You have no way of finding him, after that.

You have no dreamself. You’re not a Sburb player. Not a human, not a troll, not a cherub. You are barely even a person. You could ask the others to search for him, but nobody can tell how long it would take.

It all boils down to you being too slow to save him.

Five years, one month and nineteen days ago, when he was dead on that rooftop and you were close to dying in his slack hands, you were too slow to fix yourself and get his body downstairs, get his head in the sendificator, get someone -- anyone, anyone with a mouth because you didn’t have one -- to kiss him and revive him before his dreamself died. You didn’t make it then, and you won’t make it now.

Too slow.

Turing makes a soft noise when he jumps on the bed, and then starts kneading your back. It’s warm there. He likes it. You like it too, like the weight of him and the gentle vibration of his purring whenever he does this, like he grounds you. It’s nice now, too. You’ve got that going for you.

You have a lot going for you, really, and that’s been a bit of a problem. For years, you’ve felt bad for living a life that Dirk so badly wanted and never got, because he died, and you killed him. Now he got smacked into the middle of it and has to see your goddamn yacht in person, and he doesn’t deserve to have it rubbed in his face like this.

He’s fourteen, from his perspective. He never deserved any of this.

You asked him, yesterday (you think -- it’s all a blur to you), if he wants to talk to the others. You didn’t want to ask, but you had to. He said yes, of course. So you hit up Roxy, and let her do the rest. You left the room, and you think he might have left the boat. You’re not sure. He was there when you checked a while later, that’s all you know.

You don’t know how it went. You didn’t ask. You don’t want to find out. Earlier today, Squarewave threw a rhyme at Dirk and he responded with a scalding verse, with ease, something you haven’t been able to do with the rapbots in -- surprise -- about five years. You couldn’t bring yourself to.

Everyone is so much better off with him, here. And you’re too slow to make him stay.

You want nothing more but for this to be over, and yet the time limit feels more and more like a threat. Like someone dangled the opportunity to right your biggest wrong right in front of your face, and is keeping it just out of reach now, letting you chase after it until you collapse.

You squeeze your eyes shut against the pillows, and the loud, sudden whirring in your chest makes Turing jump before he settles back down. You’re at 81%, and you still feel like you’re at two.

One more day.

#posted ooc #M!A: the walking dead #oof ouch my bones #im having a lot of fun with this because its super interesting character development wise but i #really had trouble writing this because my vision kept blurring thru the tears lmao #i just love my poor pizza son :/ rip #mentioned:#trolldannyzuko

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dramarising-replacement · 7 years

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http://dramarising.com/post/165416083621/httpdramarisingcompost165394259022new-dom-po

Dude. Do you not think you’re overreacting a bit? Like, why couldn’t you have just made a “lol all these fake flights: shade, water, void. Give it a rest” joke? (ya know, a Water is invisible joke) Like damn you even write “last I heard, they’re a small family kinda flight that does do dom cheering and etc when they push” - but they can’t take that cheering outside their forums, or else watch out for you, the fun police, eh?

————————-

But hey, why don’t I tear into you? Like, is there supposed to be a ton of implied flights before the ‘Nature, Water’ line? 'cause Nature has literally taken zero first places this year (not including festival of course).

As for Light and cooldown…. Actually, you might have a point. Beastclans were only recently fixed - I would not be surprised if the dom fatigue was bugged previously too! They said they added dom fatigue in 2013 (to combat Ice I guess, which had double dom once). Then beastclans were added in 2014. Then Plague went for double dom in 2015. Did any flight even try to double dom before then? 2016 had Light at the very end doing a double dom. This year had Plague double doming twice and Light triple dom. So has any flight ever actually failed at a double dom when they tried for it? Beastclans were only fixed August 5th (estimated - they were still bugged July 9th (light took third place rewards, directly following their triple dom - possible they only didn’t take a higher placing because this was IvW battle week) - but could have been fixed after that with beastclans just not placing to see it, since there was no announcement about it). So yeah. Maybe there was never a cooldown. Maybe it’s been fixed with the beastclans, since Light’s triple dom was June 18 - July 2. Maybe that told them to finally look over the code? Maybe maybe. Still, that’s quite some vitriol you’re throwing around.

But nice of you not to jump on Plague. With their festival upcoming, they’ll probably need some positive vibes to cut through the haters.

You don’t know how small flight advantage works. It’s only an “advantage” when there is out of flight help (foddart, raffles, buy threads, mercs, whatever), otherwise it only makes the small flights equal to the large flights (otherwise Arcane and Shadow would be topping the dom boards every week). “size plays into how many dragons you have to exalt, since the ratio to decide is exalted to active lairs” Like did you just copy+paste that without comprehending it? ಠ_ಠ That means if Light exalts 50 dragons from 100 lairs that gives them a 0.5 ratio (50/100). OK So if Earth has 10 lairs (being smaller) to have the same ratio, they would need to exalt 5 dragons (5/10). While that looks like a smaller number, everyone has actually exalted the same number per lair in both flights! So Earth remains equal to Light. See? So they don’t have to exalt 50 dragons from their 10 lairs just to keep up! But if Earth wants to beat Light, they still have to individually exalt more dragons than Light’s individual members exalt! That’s how it works, or supposed to, on the surface. To be fair, no one knows who is actually bigger or smaller flight wise, since all lairs are counted on the world page, not just active lairs (plus not every lair is an exalting lair, blahblahblah 'superexalters’ blah. We can’t know the detailed breakdowns so this is as close as it gets). Anyways, “small flight advantage” is only there during battles (which might have other downsides for small flights, in regards to cash flow and manpower).

I mean, if it was such a huge advantage, explain Fire? They’re the second smallest! And they have done one profit push that resulted in a first, ~while other flights were profit pushing even~, and yet are usually at the bottom of the board. They’ve only placed higher than 8th 3 times (festival included), and that 8th placing was just once! for the entire year! Fire has 14 last places! (Arcane has 8, Beastclans 6, Shadow 5, Water 2, and Wind 1 for the curious.) Like jeez, small flight advantage according to you would mean what, three Light flight members moving to Fire would immediately up them to fourth every week? Puh lease.

Anyways moving on. Water went against Ice the beginning of July. And Water won. That’s all I got, I didn’t pay attention to FR that month so can’t say anything about the raffle and attendants. There’s always salt about those though. Or maybe you were thinking about last year? Water lost vs Plague and vs Fire in 2016. Very old salt in that case - dom team could have changed since.

And lastly, ya throw in more junk: for the Arcane dom powerhouse stuff from AvS - jeez, again, no one can make a joke to encourage their flight with you around eh? What a party pooper you are x2. _______________ So to finish this long post off, a listing of first places (not including Festivals) from the Dom Watch Tracker: Earth: 7 (win vs Light, win vs Plague - yeah they weren’t planned, but if you put that you’re conquesting it’s still a fight, same as using a festival week counts in Light’s triple dom *shrugs*) Fire: 1 Wind: 1 (win vs Arcane) Water: 1 (win vs Ice) Shadow: 1 Ice: 1 Lightning: 2 (win vs Fire, win vs Wind) Light: 6 Nature: 0 Plague: 6 Arcane: 2 (win vs Shadow) That said, maybe you were looking at total placings instead? In which case, I can agree! More flights do need to try for second (and a little third, I guess. +1 gathering turn, yippee :/ ), that still gives you a discount in lair size, discount in the marketplace (you can still make bank with 7% off), and ya know, experience with stuff. Hype, winnings, etc.

In that case, Nature would be second (in total second places; they tie with Ice if we do second+third placings)!!! They’ve had 6 second places! Only Light with 11 has more. Arcane (and Earth) would be third, at 4 second places. -insert clapping gif- (Sorry fellow salters, I’m not good at finishing on a big blow :/ I have to do the “praise, critique, praise” sandwich thing, it’s ingrained.)

ಠ_ಠ

#drama #rant #flight rising #flightrising #cursing #dominance #long post #submission

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sweatylesbian-blog · 7 years

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p sure my parent has been messing with my dexedrine. a couple months ago i was like wtf guess i better take less propranolol... THEN i noticed when dividing one for a half dose, it was only filled up to the line (where the cap goes opaque). which is a little more than a half dose as it is, i think

THEN doing the same thing today it seemed fuller than usual but tbh it's hard to tell and actually makes me think that maybe they've been skimming off the top like that for a while...

but here's the thing that im chewing on, is that my ua came back with elevated amphetamine levels vs my rx'd dose. ive been taking half doses or less (actually my rx'd dose i rarely take the whole dose) for weeks.

sooo maybe there's smth up and im excreting more than normal of whatever they measure

PRETTY sure i haven't had anything that typically causes false positives

so........ yk.................. could it be they're really going this far? like a couple nights i was taking like 6 propranolol (over a few hrs as each dose failed me) still could barely sleep when ive been sleeping pretty good almost every night ?? and other days ive felt a little more focused than i would expect. but otherwise i mean, afaict im not showing any other signs of hypomania or anything like that, either.

ivw been thinking it's the stress/anxiety making me like that and that's probably the biggest thing buuut....... :// idk

maybe ill stop by the pharm and ask them to check the pills for me?? but they could be just back to normal at this point :/

lmao this actually wouldn't be the first time, before they sent me to inpatient (i was 16 or 17 and i was so eager to go like, wow a stable place that's not here... sígn me up!!) but, i drilled open the lockbox where they kept their meds/drugs and found a container of the beads from the capsules! ohhh boy lmao. then when i was like 'wtf' they claimed they were "testing me" LMAO ???

but also there were days (recently) where they seemed like they had taken some, themselves but i was like "nahh i haven't given them any in a long time" BUT I GUESS THAT DOESN'T MATTER lol

they know it concerns me a lot to potentially have my adhd meds cut off, and they know that between that rx and bipolar it's not a big effort to convince med pros im psychotic, while all they're doing is trying to love and support me ~~~

anywhwre in writing or in public they make these displays but if for example i say smth (that is mostly sarcastic and rhetorical btw) about "i wish we could record this so i can point out that inconsistency" it's just nothing but the statement "i do not consent to be recorded" WELL bitch i don't consent to being spied on and psychologically abused lol but we can't all get what we want, huh

ehh i dont have the time or budget, and i wouldn't have a use for it really, legally or personally. i know well enough for myself, and almost all my medical providers and anyone else they try to call on me will listen to my calm and rational explanations of how it is clearly gaslighting (as clear as gaslighting can be, anyway).

anyway fuck you! what ever justification you think you have, ever think about how id never do smthg like this to you despite the fact that you're responsible for so much of the c-ptsd i developed, & have emotionally abused me my whole life!! no, ive never looked to avenge myself or punish you, just to be truly loved (not the possessive and prideful sense that gets mad when the object of it deviates from how u want) and not mistreated!!

it's hilarious in retrospect that only right this minute am i realizing that when you tell me about how me leaving makes you realize im not the cause of your problems and maybe you "had a talk with yourself" it's basically the same as "im so sorry it won't happen again im working on it ive changed itll be different" and i come back, mostly bc i don't have a better option but also bc yeah when things are good they're great! and i keep thinking "this time it can last and ill only move out when im ready and not bc i can't stand it anymore" but no!! so far that has never been the case!!

#abuse #vent #long post

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onlinemarketinghelp · 5 years

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How To Invest $1,000,000 For Future FIRE https://ift.tt/31GOiyn

If you had a $1,000,000, how would you invest it? This may sound unrealistic for many people today, but it's not unheard of. At the end of 2017, there were a record 11 million millionaires in the United States. In fact, it's why I believe there are a lot of secret millionaires next door - you just don't know it.

As I've built my side hustles and focused on generating income, I've been able to grow my portfolio substantially over the years.

A lot of people ask how to invest, and I thought it was a great idea to share, because everyone who invests always wants to know what others are doing. So, I'm going to break down exactly how I invest $1,000,000, and my suggestions for you as you think about investing for future FIRE (Financial Independence, Retire Early).

Quick Navigation

Do Nothing First

Get Out Of Debt

Ensure You Have An Emergency Fund

How To Invest $1,000,000

The Total Portfolio

The Challenge Of Managing A $1,000,000 Portfolio

What If You Don't Want To Manage Your Own Portfolio?

Final Thoughts

Do Nothing First

If you're looking at $1,000,000 for the first time, it's essential that you take a little break and do nothing for a while. It's recommended that you sit on the money for at least 6 months, if not longer - because if working with large sums of money is new to you, there's a high likelihood that you'll make a detrimental mistake.

Sadly, there's a dark side to dealing with large sums of money, and most people don't think about it. By doing nothing and giving yourself time to adapt, learn, and just accept, you'll be better off.

But you don't have to really do nothing - you should deposit the money into a savings account. Check out these options to start:

I was recently chatting with a couple that received a large sum of money - $350,000 (so, not even the million that we're talking about investing). Within a week of simply learning about getting the money (they didn't even have it yet), they were planning on quitting their jobs, moving across country, and were taking everyone and anyone out to fancy dinners.

However, this $350,000 was all they were going to have to live off of, along with Social Security. Using the safe withdrawal rate of 4%, that money would only generate about $14,000 per year for them safely. And that's not considering the amount they are blowing now.

So, before you take any action - in both your life and financially - do nothing first.

Get Out Of Debt

If you have any debt, it's time to pay it off. As you think about future F.I.R.E., you need to think about minimizing your expenses. Servicing debt is typically one of the highest expenses that people have.

For example, if you're still paying down your student loan debt or working on a mortgage for your house, it's time to pay off these debts.

One of the big objections I hear too often about paying off debt is "But I get a great tax deduction for my mortgage and student loans". While tax deductions are nice, they aren't worth carrying debt for. The simple fact is: the cost of interest is always going to be more than your tax deduction.

Let me show you a simple example. If you have a $800,000 30-year mortgage at 4%, you'll pay roughly $34,363 in interest in Year 1. If you earn $250,000 per year, the rough value of your mortgage interest deduction is only going to be $9,812. And remember, as you pay down your loan, the value of your mortgage interest deduction continues to decrease. The bottom line is, if you can afford to get rid of your debt, get rid of it.

Ensure You Have An Emergency Fund

Once you're out of debt, it's time to think about an emergency fund. Even if you're retired and have a $1,000,000 portfolio, you need to have an emergency fund in cash. Why cash? Because in times of financial crisis, when an emergency fund will be the most useful, chances are your stocks and bonds will have decreased in value and it can be detrimental to your long term finances to sell them and use the money.

As such, any money you need in the next 6 months should be safely kept in cash in a savings account. As you approach FIRE, you might want to consider having even more in an emergency fund - such as 1 year of expenses. This will allow your portfolio to weather most storms. Given the fact that the average recession lasts 22 months, you want to be able to sustain without touching too much of your portfolio's principal.

By being debt free, and having a great emergency fund, you can protect yourself and your family from financial peril.

How To Invest $1,000,000

Alright, let's talk about the portfolio itself. When it comes to building your portfolio, you need to think about your own personal risk tolerance, what assets you're comfortable with, and what assets you already have.

For example, if you own a home outright worth $200,000, you already have a large exposure to real estate. As such, investing in more real estate inside your portfolio might not make a lot of sense for your total asset allocation.

If you're more risk adverse, you'll want to consider your exposure to riskier assets, such as real estate, commodities, and even international stocks and bonds.

The bottom line is, this portfolio isn't for everyone. You need to carefully consider your own situation and build a portfolio that meets your needs. One of my favorite places for inspiration is the Bogleheads Lazy Portfolios, which I base my own investing after.

Furthermore, when creating a portfolio, always keep fees at the top of mind. We focus pretty extensively on minimizing fees and commissions. Check out these options for investing for free.

This is my current asset allocation on how to invest $1,000,000:

Equities: 50%

Bonds: 40%

Real Estate: 10%

Equities - 50%

Asset Class

Name

Ticker

Allocation

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

10%

Large Cap Stocks

iShares Select Dividend ETF

DVY

10%

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

20%

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

10%

This portfolio is 50% equities (i.e. stocks). All of these ETF recommendations are available commission free at Fidelity.

Why did we pick these funds? The goal of the equity section of our portfolio is growth and, to a lesser extent, income. IVW, FSSVX, and ACWV are all going to be growth focused across multiple asset classes (Large Cap, Small Cap, and International). We also included DVY to take advantage of Large Cap companies that are paying strong dividends. This will provide a little income to the portfolio.

When setting this up, we would have all distributions re-invested, and we could rebalance or allocations twice a year.

Bonds - 40%

Asset Class

Name

Ticker

Allocation

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

10%

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

TIPs

iShares TIPs Bond ETF

TIP

10%

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

Municipal

iShares California Muni Bond ETF

CMF

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

When you're adding bonds to your portfolio, it's important to build a diversified bond portfolio, just like you would create a diversified stock portfolio. Each type of bond performs very differently in different environments, and it's important that you strategize and tax advantage of it as such.

You might be wondering why we would put 40% of a portfolio into bonds? And the reason is to prevent downside loss. Remember, if you lose 50% of your portfolio value, you need to earn a 100% return to break even. When building a portfolio, you want to maximize your upside while reducing risk. Having riskier assets in other parts of the portfolio means you need a stronger bond portfolio to lower the overall risk.

Another note about your bond portfolio - for municipal bonds you want to invest in one that is tax-free in your state. If you don't live in California, the bond fund above might be considered taxable income in your state.

Finally, almost all of these funds can be purchased commission free at Fidelity, and they are in the top of their class for low expense ratios.

Other - 10%

Asset Class

Name

Ticker

Allocation

REIT

Fidelity MSCI Real Estate Index

FREL

10%

Our other asset class is real estate. You can invest in real estate in multiple ways, and we highlight investing via a publicly traded REIT in this example. This REIT can be purchased commission-free via Fidelity.

Real estate is a great investment choice because it's a real asset. However, investing via a REIT is a little different than investing directly into real estate because of the structure of ownership, and the ability of the fund to maintain operations.

If you want more direct ownership in a property, check out RealtyMogul. For as little as $5,000, you can invest in real property. They have a cool mix of commercial and multi-family properties that are potentially good investments.

The Total Portfolio

Here's our How To Invest $1,000,000 Portfolio in dollars:

Asset Class

Name

Ticker

Dollars

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

$100,000

Large Cap Stocks

iShares Select Dividend ETF

DVY

$100,000

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

$200,000

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

$100,000

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

$100,000

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

$50,000

TIPs

iShares TIPs Bond ETF

TIP

$100,000

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

$50,000

Municipal

iShares California Muni Bond ETF

CMF

$50,000

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

$50,000

REIT

Fidelity MSCI Real Estate Index

FREL

$100,000

It's important to remember that many of these funds won't all be in the same account. When you get closer to retirement, you might have a 401k, Roth IRA, and brokerage account. You might also have this for your spouse as well.

When placing investments, consider the taxability of each of them. For example, you'd want to place your municipal bonds in your brokerage account, since they are tax free. If you placed them in your IRA, you effectively losing a portion of your return.

This is where it can get challenging.

The Challenge Of Managing A $1,000,000 Portfolio

One of the biggest challenges of managing your portfolio is simply keeping track of all your investments, and then rebalancing appropriately.

For example, I currently have the following accounts:

401k from Employer

Solo 401k

Wife's Solo 401k

SEP IRA

Roth IRA

Wife's Roth IRA

Wife's Rollover IRA

Traditional Brokerage Account

HSA Investment Account

That's 9 different accounts, each with different balances and fund choices. It can be hard to manage. I recommend using a free tool like Personal Capital to get everything in sync so that you can know where you stand.

Personal Capital will track all your balances and help you maintain your asset allocation over time.

If you want more detail, I have a guide about how to maintain proper asset allocation across multiple accounts. Inside the guide, you'll find a link to the spreadsheet I use to keep track of all my accounts, and help rebalance twice a year.

Remember: Rebalancing your portfolio is key to long term success. It will help smooth your returns and limit downside losses. All asset classes go in and out of favor. You might see one rise dramatically while others lag. It might seem counter-intuitive to sell the winner and put it in the laggard, but over time this will actually help boost your total portfolio return.

What If You Don't Want To Manage Your Own Portfolio?

You might be thinking to yourself, okay - all of this is great, but I really don't want to do it myself, especially with this kind of money. What are my options for low cost investing on my $1,000,000 portfolio?

Well, a good place to start would be a robo-advisor. These are companies that take your information and will automatically create a portfolio that matches your needs. It will also take care of the rebalancing automatically, so all you really have to do is deposit your money and not worry about it.

We recommend Betterment for people that want to invest but don't want to do it themselves. They have a strong track record, easy to use platform, and charge one of the lowest management fees of any robo-advisor.

Furthermore, if you open an account through this link, Betterment will give you up to 1 year of free management of your portfolio.

Final Thoughts

Investing a $1,000,000 portfolio can be scary at first, but once you have a solid strategy, it's not as hard as some financial advisors would make you think. The biggest things to remember are:

Take your time, learn, and don't get taken advantage of

Build a portfolio that meets your risk and return expectations

Always look to minimize fees and commissions

Setup an asset allocation and stick to it by rebalancing at least once a year

Consider a robo-advisor if you don't want to do it yourself

The post How To Invest $1,000,000 For Future FIRE appeared first on The College Investor.

from The College Investor

As I've built my side hustles and focused on generating income, I've been able to grow my portfolio substantially over the years.

Quick Navigation

Do Nothing First

Get Out Of Debt

Ensure You Have An Emergency Fund

How To Invest $1,000,000

The Total Portfolio

The Challenge Of Managing A $1,000,000 Portfolio

What If You Don't Want To Manage Your Own Portfolio?

Final Thoughts

Do Nothing First

Sadly, there's a dark side to dealing with large sums of money, and most people don't think about it. By doing nothing and giving yourself time to adapt, learn, and just accept, you'll be better off.

But you don't have to really do nothing - you should deposit the money into a savings account. Check out these options to start:

So, before you take any action - in both your life and financially - do nothing first.

Get Out Of Debt

For example, if you're still paying down your student loan debt or working on a mortgage for your house, it's time to pay off these debts.

Ensure You Have An Emergency Fund

By being debt free, and having a great emergency fund, you can protect yourself and your family from financial peril.

How To Invest $1,000,000

If you're more risk adverse, you'll want to consider your exposure to riskier assets, such as real estate, commodities, and even international stocks and bonds.

Furthermore, when creating a portfolio, always keep fees at the top of mind. We focus pretty extensively on minimizing fees and commissions. Check out these options for investing for free.

This is my current asset allocation on how to invest $1,000,000:

Equities: 50%

Bonds: 40%

Real Estate: 10%

Equities - 50%

Asset Class

Name

Ticker

Allocation

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

10%

Large Cap Stocks

iShares Select Dividend ETF

DVY

10%

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

20%

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

10%

This portfolio is 50% equities (i.e. stocks). All of these ETF recommendations are available commission free at Fidelity.

When setting this up, we would have all distributions re-invested, and we could rebalance or allocations twice a year.

Bonds - 40%

Asset Class

Name

Ticker

Allocation

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

10%

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

TIPs

iShares TIPs Bond ETF

TIP

10%

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

Municipal

iShares California Muni Bond ETF

CMF

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

Finally, almost all of these funds can be purchased commission free at Fidelity, and they are in the top of their class for low expense ratios.

Other - 10%

Asset Class

Name

Ticker

Allocation

REIT

Fidelity MSCI Real Estate Index

FREL

10%

The Total Portfolio

Here's our How To Invest $1,000,000 Portfolio in dollars:

Asset Class

Name

Ticker

Dollars

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

$100,000

Large Cap Stocks

iShares Select Dividend ETF

DVY

$100,000

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

$200,000

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

$100,000

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

$100,000

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

$50,000

TIPs

iShares TIPs Bond ETF

TIP

$100,000

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

$50,000

Municipal

iShares California Muni Bond ETF

CMF

$50,000

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

$50,000

REIT

Fidelity MSCI Real Estate Index

FREL

$100,000

This is where it can get challenging.

The Challenge Of Managing A $1,000,000 Portfolio

One of the biggest challenges of managing your portfolio is simply keeping track of all your investments, and then rebalancing appropriately.

For example, I currently have the following accounts:

401k from Employer

Solo 401k

Wife's Solo 401k

SEP IRA

Roth IRA

Wife's Roth IRA

Wife's Rollover IRA

Traditional Brokerage Account

HSA Investment Account

Personal Capital will track all your balances and help you maintain your asset allocation over time.

What If You Don't Want To Manage Your Own Portfolio?

Furthermore, if you open an account through this link, Betterment will give you up to 1 year of free management of your portfolio.

Final Thoughts

Investing a $1,000,000 portfolio can be scary at first, but once you have a solid strategy, it's not as hard as some financial advisors would make you think. The biggest things to remember are:

Take your time, learn, and don't get taken advantage of

Build a portfolio that meets your risk and return expectations

Always look to minimize fees and commissions

Setup an asset allocation and stick to it by rebalancing at least once a year

Consider a robo-advisor if you don't want to do it yourself

The post How To Invest $1,000,000 For Future FIRE appeared first on The College Investor.

https://ift.tt/2N2HAPg August 14, 2019 at 10:15AM https://ift.tt/2y7Kpbf

0 notes

the-mad-turtles-apprentice · 7 years

Text

Personal

Today I woke up feeling really positive and good about myself. I had a small and healthy breakfast, I did my 30 day ab challenge routine, and exfoliated. I decided to try on an orange dress I own, as I was thinking of taking it on holiday with me - it didn't fit me at all. It wasn't just a bit snug, the zipper almost ripped trying to do it up. I looked in the mirror and I just want to cry. I moved into a flat in the middle of a big town 6 months ago. Ever since then I've just piled on the weight. I don't have a mirror in my bedroom any more, so I haven't really paid that much attention to how my body has been changing, but ivw gonw from somewhat lean, to this chubby girl. I don't recognise what I see in the mirror. Its frustrating as I don't eat all that awfully, most weeks I calorie count. I can only assume that because I have all amenities on my door step, It's my lack of activity. Either way it's so demoralizing. However maybe this is the push I need to make a real change.

1 note · View note

not-heartbroken · 6 years

Text

Ill peobably delete this in a while because he'll only get more angry if he sees it and im so fucking tired of fighting and feeling this way. I cant even tqlk to him about how i feel because somehow it will be wronf and ill just be makomg everything worse because I'm "too sensitive" and care about the wrong things. I cant talk to antone else because lets be honest i havwnt had any friends i coule open up to in years. Even if I did everyone would just tell me to leave but you dont undersrand how much i want this to work and how badly i want him i cant see myself with antone else.

i feel so fucking empty dude this last month has been so awful nothing i do is rivht. ive had this unshakable feeling that hes been tired of me for a while now and every day ive been reminded of why i feel that way. he gets annoyed and angry at every litrle thing i say and he talks about how he shpuld go alone to things and not go with me.. Like i ruin everything. I guess i do I'm always upset or reminded of something thwt makes me upset. I cant let shir go i still think about everything. And then we fight... We fight and i hear eberything ive been trying to forget. Its rrally hard hearing it from the only person who's opinion i really care about. He always gets mad when i say i dont feel like he loves me or when i dont believe him when he gives me compliments because everytime we fight he tells me he hates me and hates being around me and im a whore and everything else

Hes probably right. Why wpuld he lie to me right

I dont really want to die anymore i guess ivw surpassed that time in my life but i dont want to be here and i definitely dont want to be me anymore

Im worthless

0 notes

heliosfinance · 7 years

Text

How To Invest $1,000,000 For Future FIRE

If you had a $1,000,000, how would you invest it? This may sound unrealistic for many people today, but it's not unheard of. At the end of 2016, there were a record 10.6 million millionaires in the United States. In fact, it's why I believe there are a lot of secret millionaires next door - you just don't know it.

As I've built my side hustles and focused on generating income, I've been able to grow my portfolio substantially over the years. Joe, from Give Earn Live, has started a challenge and encouraged me to join and share - the How To Invest A Million challenge.

I thought it was a great idea, because everyone who invests always wants to know what others are doing. So, I'm going to break down exactly how I invest $1,000,000, and my suggestions for you as you think about investing for future FIRE (Financial Independence, Retire Early).

Quick Navigation

Do Nothing First

Get Out Of Debt

Ensure You Have An Emergency Fund

How To Invest $1,000,000

The Total Portfolio

The Challenge Of Managing A $1,000,000 Portfolio

What If You Don't Want To Manage Your Own Portfolio?

Final Thoughts

Do Nothing First

Sadly, there's a dark side to dealing with large sums of money, and most people don't think about it. By doing nothing and giving yourself time to adapt, learn, and just accept, you'll be better off.

But you don't have to really do nothing - you should deposit the money into a savings account. Check out these options to start:

So, before you take any action - in both your life and financially - do nothing first.

Get Out Of Debt

For example, if you're still paying down your student loan debt or working on a mortgage for your house, it's time to pay off these debts.

Ensure You Have An Emergency Fund

By being debt free, and having a great emergency fund, you can protect yourself and your family from financial peril.

How To Invest $1,000,000

If you're more risk adverse, you'll want to consider your exposure to riskier assets, such as real estate, commodities, and even international stocks and bonds.

Furthermore, when creating a portfolio, always keep fees at the top of mind. We focus pretty extensively on minimizing fees and commissions. Check out these options for investing for free.

This is my current asset allocation on how to invest $1,000,000:

Equities: 50%

Bonds: 40%

Real Estate: 10%

Equities - 50%

Asset Class

Name

Ticker

Allocation

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

10%

Large Cap Stocks

iShares Select Dividend ETF

DVY

10%

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

20%

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

10%

This portfolio is 50% equities (i.e. stocks). All of these ETF recommendations are available commission free at Fidelity.

When setting this up, we would have all distributions re-invested, and we could rebalance or allocations twice a year.

Bonds - 40%

Asset Class

Name

Ticker

Allocation

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

10%

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

TIPs

iShares TIPs Bond ETF

TIP

10%

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

Municipal

iShares California Muni Bond ETF

CMF

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

Finally, almost all of these funds can be purchased commission free at Fidelity, and they are in the top of their class for low expense ratios.

Other - 10%

Asset Class

Name

Ticker

Allocation

REIT

Fidelity MSCI Real Estate Index

FREL

10%

If you want more direct ownership in a property, check out RealtyShares. For as little as $5,000, you can invest in real property. We offer our readers a $100 bonus when you make your first investment using promo code Partner100.

The Total Portfolio

Here's our How To Invest $1,000,000 Portfolio in dollars:

Asset Class

Name

Ticker

Dollars

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

$100,000

Large Cap Stocks

iShares Select Dividend ETF

DVY

$100,000

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

$200,000

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

$100,000

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

$100,000

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

$50,000

TIPs

iShares TIPs Bond ETF

TIP

$100,000

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

$50,000

Municipal

iShares California Muni Bond ETF

CMF

$50,000

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

$50,000

REIT

Fidelity MSCI Real Estate Index

FREL

$100,000

This is where it can get challenging.

The Challenge Of Managing A $1,000,000 Portfolio

One of the biggest challenges of managing your portfolio is simply keeping track of all your investments, and then rebalancing appropriately.

For example, I currently have the following accounts:

401k from Employer

Solo 401k

Wife's Solo 401k

SEP IRA

Roth IRA

Wife's Roth IRA

Wife's Rollover IRA

Traditional Brokerage Account

HSA Investment Account

Personal Capital will track all your balances and help you maintain your asset allocation over time.

What If You Don't Want To Manage Your Own Portfolio?

Furthermore, if you open an account through this link, Betterment will give you up to 1 year of free management of your portfolio.

Final Thoughts

Investing a $1,000,000 portfolio can be scary at first, but once you have a solid strategy, it's not as hard as some financial advisors would make you think. The biggest things to remember are:

Take your time, learn, and don't get taken advantage of

Build a portfolio that meets your risk and return expectations

Always look to minimize fees and commissions

Setup an asset allocation and stick to it by rebalancing at least once a year

Consider a robo-advisor if you don't want to do it yourself

The post How To Invest $1,000,000 For Future FIRE appeared first on The College Investor.

How To Invest $1,000,000 For Future FIRE published first on http://ift.tt/2ljLF4B

0 notes

heliosfinance · 7 years

Text

How To Invest $1,000,000 For Future FIRE

Quick Navigation

Do Nothing First

Get Out Of Debt

Ensure You Have An Emergency Fund

How To Invest $1,000,000

The Total Portfolio

The Challenge Of Managing A $1,000,000 Portfolio

What If You Don't Want To Manage Your Own Portfolio?

Final Thoughts

Do Nothing First

Sadly, there's a dark side to dealing with large sums of money, and most people don't think about it. By doing nothing and giving yourself time to adapt, learn, and just accept, you'll be better off.

But you don't have to really do nothing - you should deposit the money into a savings account. Check out these options to start:

So, before you take any action - in both your life and financially - do nothing first.

Get Out Of Debt

For example, if you're still paying down your student loan debt or working on a mortgage for your house, it's time to pay off these debts.

Ensure You Have An Emergency Fund

By being debt free, and having a great emergency fund, you can protect yourself and your family from financial peril.

How To Invest $1,000,000

If you're more risk adverse, you'll want to consider your exposure to riskier assets, such as real estate, commodities, and even international stocks and bonds.

Furthermore, when creating a portfolio, always keep fees at the top of mind. We focus pretty extensively on minimizing fees and commissions. Check out these options for investing for free.

This is my current asset allocation on how to invest $1,000,000:

Equities: 50%

Bonds: 40%

Real Estate: 10%

Equities - 50%

Asset Class

Name

Ticker

Allocation

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

10%

Large Cap Stocks

iShares Select Dividend ETF

DVY

10%

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

20%

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

10%

This portfolio is 50% equities (i.e. stocks). All of these ETF recommendations are available commission free at Fidelity.

When setting this up, we would have all distributions re-invested, and we could rebalance or allocations twice a year.

Bonds - 40%

Asset Class

Name

Ticker

Allocation

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

10%

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

TIPs

iShares TIPs Bond ETF

TIP

10%

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

Municipal

iShares California Muni Bond ETF

CMF

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

Finally, almost all of these funds can be purchased commission free at Fidelity, and they are in the top of their class for low expense ratios.

Other - 10%

Asset Class

Name

Ticker

Allocation

REIT

Fidelity MSCI Real Estate Index

FREL

10%

The Total Portfolio

Here's our How To Invest $1,000,000 Portfolio in dollars:

Asset Class

Name

Ticker

Dollars

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

$100,000

Large Cap Stocks

iShares Select Dividend ETF

DVY

$100,000

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

$200,000

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

$100,000

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

$100,000

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

$50,000

TIPs

iShares TIPs Bond ETF

TIP

$100,000

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

$50,000

Municipal

iShares California Muni Bond ETF

CMF

$50,000

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

$50,000

REIT

Fidelity MSCI Real Estate Index

FREL

$100,000

This is where it can get challenging.

The Challenge Of Managing A $1,000,000 Portfolio

One of the biggest challenges of managing your portfolio is simply keeping track of all your investments, and then rebalancing appropriately.

For example, I currently have the following accounts:

401k from Employer

Solo 401k

Wife's Solo 401k

SEP IRA

Roth IRA

Wife's Roth IRA

Wife's Rollover IRA

Traditional Brokerage Account

HSA Investment Account

Personal Capital will track all your balances and help you maintain your asset allocation over time.

What If You Don't Want To Manage Your Own Portfolio?

Furthermore, if you open an account through this link, Betterment will give you up to 1 year of free management of your portfolio.

Final Thoughts

Investing a $1,000,000 portfolio can be scary at first, but once you have a solid strategy, it's not as hard as some financial advisors would make you think. The biggest things to remember are:

Take your time, learn, and don't get taken advantage of

Build a portfolio that meets your risk and return expectations

Always look to minimize fees and commissions

Setup an asset allocation and stick to it by rebalancing at least once a year

Consider a robo-advisor if you don't want to do it yourself

The post How To Invest $1,000,000 For Future FIRE appeared first on The College Investor.

How To Invest $1,000,000 For Future FIRE published first on http://ift.tt/2ljLF4B

0 notes

heliosfinance · 7 years

Text

How To Invest $1,000,000 For Future FIRE

Quick Navigation

Do Nothing First

Get Out Of Debt

Ensure You Have An Emergency Fund

How To Invest $1,000,000

The Total Portfolio

The Challenge Of Managing A $1,000,000 Portfolio

What If You Don't Want To Manage Your Own Portfolio?

Final Thoughts

Do Nothing First

Sadly, there's a dark side to dealing with large sums of money, and most people don't think about it. By doing nothing and giving yourself time to adapt, learn, and just accept, you'll be better off.

But you don't have to really do nothing - you should deposit the money into a savings account. Check out these options to start:

So, before you take any action - in both your life and financially - do nothing first.

Get Out Of Debt

For example, if you're still paying down your student loan debt or working on a mortgage for your house, it's time to pay off these debts.

Ensure You Have An Emergency Fund

By being debt free, and having a great emergency fund, you can protect yourself and your family from financial peril.

How To Invest $1,000,000

If you're more risk adverse, you'll want to consider your exposure to riskier assets, such as real estate, commodities, and even international stocks and bonds.

Furthermore, when creating a portfolio, always keep fees at the top of mind. We focus pretty extensively on minimizing fees and commissions. Check out these options for investing for free.

This is my current asset allocation on how to invest $1,000,000:

Equities: 50%

Bonds: 40%

Real Estate: 10%

Equities - 50%

Asset Class

Name

Ticker

Allocation

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

10%

Large Cap Stocks

iShares Select Dividend ETF

DVY

10%

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

20%

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

10%

This portfolio is 50% equities (i.e. stocks). All of these ETF recommendations are available commission free at Fidelity.

When setting this up, we would have all distributions re-invested, and we could rebalance or allocations twice a year.

Bonds - 40%

Asset Class

Name

Ticker

Allocation

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

10%

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

TIPs

iShares TIPs Bond ETF

TIP

10%

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

Municipal

iShares California Muni Bond ETF

CMF

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

Finally, almost all of these funds can be purchased commission free at Fidelity, and they are in the top of their class for low expense ratios.

Other - 10%

Asset Class

Name

Ticker

Allocation

REIT

Fidelity MSCI Real Estate Index

FREL

10%

The Total Portfolio

Here's our How To Invest $1,000,000 Portfolio in dollars:

Asset Class

Name

Ticker

Dollars

Large Cap Stocks

iShares S&P 500 Growth ETF

IVW

$100,000

Large Cap Stocks

iShares Select Dividend ETF

DVY

$100,000

Small Cap Stocks

Fidelity Small Cap Index Premium

FSSVX

$200,000

International Stocks

iShares Edge MSCI Minimum Volatility ETF

ACWV

$100,000

Long Term Govt

iShares 20+ Year Treasury Bond

TLT

$100,000

Short Term Govt

Vanguard Short-Term Investment Grade Bonds

VFSTX

$50,000

TIPs

iShares TIPs Bond ETF

TIP

$100,000

Corporate

iShares iBOXX Investment Grade Corporate Bonds

LQD

$50,000

Municipal

iShares California Muni Bond ETF

CMF

$50,000

International

PIMCO Foreign Bond (USD-Hedged)

PFODX

$50,000

REIT

Fidelity MSCI Real Estate Index

FREL

$100,000

This is where it can get challenging.

The Challenge Of Managing A $1,000,000 Portfolio

One of the biggest challenges of managing your portfolio is simply keeping track of all your investments, and then rebalancing appropriately.

For example, I currently have the following accounts:

401k from Employer

Solo 401k

Wife's Solo 401k

SEP IRA

Roth IRA

Wife's Roth IRA

Wife's Rollover IRA

Traditional Brokerage Account

HSA Investment Account

Personal Capital will track all your balances and help you maintain your asset allocation over time.

What If You Don't Want To Manage Your Own Portfolio?

Furthermore, if you open an account through this link, Betterment will give you up to 1 year of free management of your portfolio.

Final Thoughts

Investing a $1,000,000 portfolio can be scary at first, but once you have a solid strategy, it's not as hard as some financial advisors would make you think. The biggest things to remember are:

Take your time, learn, and don't get taken advantage of

Build a portfolio that meets your risk and return expectations

Always look to minimize fees and commissions

Setup an asset allocation and stick to it by rebalancing at least once a year

Consider a robo-advisor if you don't want to do it yourself

The post How To Invest $1,000,000 For Future FIRE appeared first on The College Investor.

How To Invest $1,000,000 For Future FIRE published first on http://ift.tt/2ljLF4B

0 notes