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We will not from the helm to sit and weep,
But keep our course, though the rough wind say no,
From shelves and rocks that threaten us with wreck.
As good to chide the waves as speak them fair
- Shakespeare, Henry IV, Part III.v.4
Year in Review
A year, after all, is simply a collection of days. And therefore the story of this year is largely told in the record of past twelve months.
At the beginning of the year the portfolio goal was reset to provide a target goal for passive income equivalent to $90,500 per year.
At the same time, three essential pre-conditions were set for any movement from my current work arrangements.
These were:
-
reaching the overall portfolio target of $2.85 million;
-
achieving a minimum equity portfolio target of $1.93 million; and
-
a cash reserve of at least one year of normal expenditure.
Rapidly, in fact by March, the first of these conditions were met.
The second remains a little distance away – perhaps 2 to 18 months away should equity markets remain positive, perhaps much longer if any significant equity drawdowns occur.
The cash reserve has been started, but it is not yet near completion. At present, it sits at around $17,000 compared to the average annual spending of about $84,000 since 2013.
The broad progress made against the financial benchmarks through this year is summarised below.
Progress against FI measures through 2021
Measure Portfolio All Assets
Portfolio objective – $2,585,000 (or $90,500 pa) 88%→114% 105%→146%
Total average expenses (2013-present) – $83,800 pa 93%→123% 112%→157%
Target equity holding in portfolio 75%→95% N/A
Stepping back to look at the overall portfolio performance, this year has been unlike any other on the journey.
The overall portfolio has increased by $680,000 – making the year just passed the most significant expansion in dollar terms of the entire record.
[Chart]
Studying the course of the voyage
The pattern of this fifth year of the voyage has been distinctly different to any other. Looking back, there is a dual sense of consistency, and radical discontinuity.
The sense of consistency has come from the continued strong growth in equity markets and the continued regular investment into equity-based exchange traded funds. Strong equity returns have contributed to the equity component of the portfolio increasing by over $385,000.
In turn, this has made it the strongest year on record for the expansion of the equity portfoli
... keep reading on reddit ➡
Hello and welcome to the monthly discussion & review thread! This thread is for game reviews, simple questions, accomplishments, and informal discussion about the game of Go/Weiqi/Baduk. Post here to reduce clutter on the main page.
There are no stupid questions!
Guidelines:
- Read the FAQ to make sure your question isn't answered already.
- You may be interested to check out Learning Links For Newcomers.
- You can also use the search bar to see if an answer to your question exists already.
- Consider going over your game yourself and leaving comments or questions. This will help stronger players know where your reasoning flaws are and where you'd to them to focus their attention.
- Please be respectful and considerate to your fellow players.
Enjoy!
Current Cards:
- Alliant 2.5% cashback on everything
- Citi Costco
- Amex Amazon Prime
- Capital One Walmart
- Just approved for Citi Custom Cash and US Bank Cash+ with $10K limits
FICO: 780 Income: $250K
Monthly spending:
- Gas $350
- Dining $350 (Grubhub/Doordash)
- Travel $400 (AirBnb/VRBO)
- Utilities $450 (Gas&Electric, AT&T)
- Groceries $700 (Walmart)
- Online shopping $250 (Amazon)
- Other $1000
Purpose: To maximize pure cashback with the goal of redeeming for AirBnB or tickets to Disney
With the exception of specific 5% cashback category cards for Walmart and Amazon, we've been using Alliant (2.5% cashback on everything) as our catch-all. But we want to maximize our cashback and are open to carrying a few more cards. So here is my plan for future spending. Any other cards I should consider?
Proposed spending plan:
- Gas $400 (Costco Citi 4%)
- Dining $350 (Citi Custom Cash 5% Restaurants, assuming it works with Grubhub/Doordash?)
- Travel $400 (Alliant 2.5%)
- Utilities $450 (US Bank Cash+ 5%)
- Food $700 (Walmart CapOne 5%)
- Amazon $250 (Amazon Prime 5%)
- Other $1000 (Alliant 2.5%)
Hey all!
I'm going to place a Death and Floral order but wasn't sure I'd like the scent of the month. This month it's called "Cosmic Crisis"-Hot, smokey space atmosphere; lab-created flowers; the ‘pop’ of the last minutes of the sun.
Anybody tried this one or know what those notes might smell like together? Thank you <3
Raam bhiya!
A very happy new year to all Indori bhia-behni log.
This thread is created monthly for r/Indore users to share events, chat and ask questions, and discuss recent or upcoming events, share your best restaurants, and many more! The following are welcomed in this thread:
- Events happening this month (or in the future)
- Places to visit and places not to visit
- Questions about all Indori things
- General discussion, chatting, ranting (within reason)
- Visiting / Moving / Recommendations / etc. are welcome as well, though are no longer required to be posted solely in this thread
- Buying, selling, even lost and found.
- Jobs, hiring and internships. City startups and entrepreneurs.
A note about events: If your event is a Reddit meetup or gathering (i.e. a social meetup for other Redditors, and not a paid or sponsored event), please create a self-post and send us a message!
Please do not share your personal contact information. Exercise due diligence and perform background checks before closing a deal and keep discussion civil.
Use this thread to discuss books you've read, are currently reading, or plan on reading.
WELCOME BACK!!
Nun sind wir heute auch schon bei der zweiten Ausgabe von der Emote Review. Zuerst werde ich natürlich die Emotes vorstellen, die meiner Meinung nach rein könnten und danach die, die man herausnehmen könnte. Natürlich kann Klara und der Chat mitentscheiden :) LETS GO!!
EMOTE IDEEN SIND ERWÜNSCHT! (Einfach mir (shoonaa) auf Discord schicken!)
Emote Ideen:
- https://betterttv.com/emotes/5e4304a6751afe7d553d99f4 / peepoWow - Erklärt sich glaube ich von selbst
- https://7tv.app/emotes/60b6424bc6df10b35149ed45 / PETTHEBELIEVERS - Nach einer verloren MK Runde...
- https://7tv.app/emotes/60b6425cfc5978e64622423e / PETTHEDOUBTERS - Siehe das Emote davor
- https://7tv.app/emotes/60ae53ca0e35477634dd6138 GoodMorning - GuMo, aber als Emote!
- Idee von saendu2k: https://7tv.app/emotes/60f275f131ba6ae622cbb096 / CompGamers
- Idee von Just_Uschi: https://7tv.app/emotes/60b899f34453adf5ae64a2f1 / elmoFire
Emotes die raus können:
- https://7tv.app/emotes/60ae2715b2ecb015059ce37f / Slap - Noch nie benutzt
- https://7tv.app/emotes/60ae47f59986a00349483fa3 / HyperClap - Wie oben
Das war's auch schon! Leider heute etwas knapp, aber ich hoffe, es hat euch gefallen! Bis in einem Monat junx!
An overview of your credit habits, score and more.
https://preview.redd.it/hxxwv13pg4d81.png?width=250&format=png&auto=webp&s=d92621d72e02c591a3490a7d45ed13642cc77494
Hi Customers,
Your score hasn't changed very much since Nov 26.
https://preview.redd.it/brp9vmjog4d81.png?width=600&format=png&auto=webp&s=78d215f2d05f42532e3f1d8bb9ff94805fdd0a82
YOUR HIGHLIGHTS
From Nov 26 - Jan 21
https://preview.redd.it/0u2c1avng4d81.png?width=104&format=png&auto=webp&s=081a2e155daec79a58146c4c3d51e67bf1b87094
Alerts: You received 0 new alerts. You have 1 total unread alerts.
https://preview.redd.it/xvprekang4d81.png?width=104&format=png&auto=webp&s=13a10c1900a289510775edb99ccb53b509358914
New accounts: You recently opened 0 new accounts. So far this year, you've opened 0 new accounts.
https://preview.redd.it/8krzyvomg4d81.png?width=104&format=png&auto=webp&s=3a31cc2c788098c6bc2163a461c68c5f4712c3bb
Credit usage: You're using 0% of your available credit.
https://preview.redd.it/vnzeiyslg4d81.png?width=104&format=png&auto=webp&s=b637d0b79ae42ea0411cf8af9f52824bd5145aa3
Credit Journey visits: Visit Credit Journey weekly for new updates. (0)
QUICK TIP
Only apply for the credit you need.
Although having more credit than you use can help your score, applying for too many new lines of credit at once can hurt it.
I'm really interested about different styles of review pages, so it would be awesome when some of you could write how you review.
Take a look back at the posts from this month. Did you have any favorites? Discussions you particularly enjoyed or missed out on? Use this thread to praise folks who create the content we all love, revisit thoughts you had earlier, and shoes you loved.
Formerly the Sidebar Picture Nomination thread, we're trialing this new style of just a look-back on all threads, pictures, etc. If you have ideas for other recurring threads please message the mods.
This thread is posted every 4 weeks on Monday at 12PM EST.
"This thread was posted by Blake the AutoMod, if I screwed up please contact the mods."
About your author: CryptoQuestion is an independent platform providing free resources for cryptocurrency investors. From an on-demand Q&A service to online courses, from our weekly Moonshot Monday podcast to our weekly Staking and Farming Review. Visit us at www.cryptoquestion.tech
Our latest review of recently listed cryptocurrencies yielded a sum total of five cryptocurrencies worthy of closer attention with only one which got our juices flowing. However if all we get from this long arduous monthly task is one good project, it is a job well done.
However, as well as discovering moonshots, if we are lucky, we also get a feel for the market, in particular the emerging trends.
This month saw a mixture of mainly DeFi, gaming and memecoins coming to the market. It was also noticeable that many project founders have developed a new level of greed with valuations for new ideas commanding in some cases billion dollar price tags. BitUp, zkTube and FODL led the way with valuations reaching up to $49 trillion (fully diluted) in the case of BitUp.We trust investors will steer clear from this garbage. We would also hope they would steer clear from 99.9% of the new projects coming to market. There is a definite lack of imagination from cryptocurrency founders. However, that makes our job somewhat easier as it is relatively quick to weed out the crap.
The gems kind of stare back at you and give you a little wink, ‘you found me!’
A feeling of disappointment
Two standout new listings this month which are worth talking about are NFT Tech and SatoshiStreetBets.
NFT Tech was a project we have been excitedly waiting for for some time. It talked about offering the opportunity to be able to stake your NFTs, a concept in its infancy. However NFTT’s listing was a let down for two reasons. Firstly there was no mention of this new staking facility and secondly its valuation was a hefty $38 million for just another NFT platform.
Then there was the case of the Reddit forum operator SatoshiStreetBets. This is one of the leading crypto sub Reddits (i.e. channels or threads) with nearly 500,000 followers. It’s new coin was attributed a value of $25 million and was off to the races. Should you be off to the races with SSB? Only at a much reduced valuation.
A caveat
One caveat to the term ‘newly listed’. A new listing does not necessarily mean the project is totally n
... keep reading on reddit ➡Hello and welcome to the monthly discussion & review thread! This thread is for game reviews, simple questions, accomplishments, and informal discussion about the game of Go/Weiqi/Baduk. Post here to reduce clutter on the main page.
There are no stupid questions!
Guidelines:
- Read the FAQ to make sure your question isn't answered already.
- You may be interested to check out Learning Links For Newcomers.
- You can also use the search bar to see if an answer to your question exists already.
- Consider going over your game yourself and leaving comments or questions. This will help stronger players know where your reasoning flaws are and where you'd to them to focus their attention.
- Please be respectful and considerate to your fellow players.
Enjoy!
Raam bhiya!
This thread is created monthly for r/Indore users to share events, chat and ask questions, and discuss recent or upcoming events, share your best restaurants, and many more! The following are welcomed in this thread:
- Events happening this month (or in the future)
- Places to visit and places not to visit
- Questions about all Indori things
- General discussion, chatting, ranting (within reason)
- Visiting / Moving / Recommendations / etc. are welcome as well, though are no longer required to be posted solely in this thread
- Buying, selling, even lost and found.
- Jobs, hiring and internships. City startups and entrepreneurs.
A note about events: If your event is a Reddit meetup or gathering (i.e. a social meetup for other Redditors, and not a paid or sponsored event), please create a self-post and send us a message!
Please do not share your personal contact information. Exercise due diligence and perform background checks before closing a deal and keep discussion civil.
)