A weekly thread to discuss financial matters - from personal all the way up to global.
Ground Rules
- Remember that we're all just Internet randos. Don't bet your life savings on a hot tip from this thread.
- Keep culture war in the culture war thread. Yes, global events may impact our personal finances, but that does not mean we have to incessantly harp on culture war aspects here. If you are going to discuss it, please stick to the practical impacts of it on an individual level.
- Be kind. Remember that everyone here comes from different circumstances. We all have different resources available and different risk tolerances.
- Don't let the perfect be the enemy of the good. Better is better. Celebrate people when they take a step up and work to move their finances in the right direction. Don't flame out because they haven't followed what you consider the optimal path. Everybody has to start somewhere.

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Notes -
Alright, what are you stock picks? My oil tankers were up another 5% today. Even though things continue to look very rosy, I might take some chips off the table.
SCHD and USMV, mostly, depending on what I can stomach when my scheduled contribution day comes up.
I sometimes buy USMV when I don't have any ideas.
Theoretically, it should have higher alpha than a broader index. But it's been a complete turd for a looooong time. I wonder if the market is just structurally different now.
I just checked USMV and wow, it's bad.
I think it's because the entire market runs on volatility these days. If you're looking for low beta, you're going to miss out on hype cycles.
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