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Graham S. Miller, CFP®
3.8K posts
Graham S. Miller, CFP®
@GrahamMillerCFP
Washed up #runner turned Asset Manager #CFP in #Seattle. Tweeting about finance stuff. Tweets & advice mutually exclusive.
Seattle 가입일 Nisan 2015
694 팔로잉1.7K 팔로워
@BernieSanders So anyone who “owns media” is by default an oligarch, got it.
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In an authoritarian society, a handful of oligarchs own media.
Here’s where we are in America:
Musk owns X.
Zuckerberg owns Facebook & Instagram.
The Ellisons own CBS — and are eyeing CNN & TikTok.
Bezos owns Twitch & the Washington Post.
We must combat oligarchy.
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Will somebody please explain to me why one would pay 15bps for a single security ETF that holds... a Tbill?
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@mbontrager5 "Didn't want to deal with losing money" is an interesting way to admit to not understanding investment risks.
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Good news=It only takes a year as a life insurance agent to understand infinite banking.
Josh Waxman@joshwaxman__
Facing a financial problem? 🧐 There’s a solution: Infinite Banking! 💰💡 Step into the 5 stages of IBC and unlock the potential to take control of your money, your future, and your freedom. 🚀
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@TaraFair45 @eveforamerica @HouseoftheMuse_ Blackrock doesn’t own the shares, it’s the customers like individuals, pension funds, and probably you that own them through ETFs
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@eveforamerica @HouseoftheMuse_ It has to do with Blackrock and Vanguard making money off of a disaster they created.
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@MeasureTwiceMNY Interest rate parity is not the appropriate measurement here.
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If you own a home with a fixed-rate mortgage below 5%:
If you moved, would you rent out your current home to become a first-time landlord?
Rental real estate (accidental landlords) may become more popular if future mortgage rates exceed 30-year stock market return expectations.
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@jeremywalter Dude, you drive a monster struck?! Looks great, btw.
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@MarkTMeredith That's very clever! But in our industry, investing is a continual thing, not exactly a singular event. I guess you could consider every second of the market being open as an independent event? Or every earnings call, maybe?
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I'm not a big fan of risk tolerance questionnaires, although this question is interesting in regards to expected returns.
If you only had one shot at it, most probably wouldn't shoot for the highest expected return.
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@Tyler_Menzer @Chris_Ryan1 The idea is the same. Start with $100 pretax. It’s $90 after tax. Double both. Then sub out 10% from the pretax amount. You end up with the same amount either way.
The point here is simply that taxes are deferred. There is no net savings long-term. You pay either way.
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The 8% isn’t coming from a 401(k). It’s coming from an investment.
The scam of a 401(k) is that it promises amazing tax benefits for everyone, but doesn’t deliver on those promises long-term.
Let’s say your current tax rate is 10% and doesn’t change after retirement. You’ll pay back everything you saved in taxes—no benefit. If your retirement tax rate is higher, you pay more—negative benefit. If it’s less, only then will you save on taxes. But it also means you have lower income.
DividendMillennial@DividendMil
401ks are not a scam! I am currently 40 which means I have 19 years before I can withdraw money from my 401k. I currently have almost 800k in it. If I didn’t add any more money to it and it returns a modest 8% a year, my 401k will be worth 3.5 million at that time. Help your future self!
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Anybody else receive a Cease & Desist letter for calling out #MPI for their deceptive sales practices?
wiegandfinancial.com/blog/is-the-mp…
@honest_math @mbontrager5 @RampCapitalLLC @MPierce486
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@edrempel @CGWM_Muhs @MarkMcGrathCFP I always thought risk adjusted returns were a good thing...
I mean, obviously so long as you know you are getting lower returns for the lower volatility, it seems like a pretty fair trade.
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@CGWM_Muhs @MarkMcGrathCFP Broad stats are misleading, because most fund managers don't even try to beat the index. About 80% look for risk-adjusted returns to avoid losing clients & for compliance.
When you look only at managers trying to beat the index, close to half beat it.
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It is easy to outperform index investors. Why?
Because they don’t really try to get index returns, they try for reasonable returns with less risk.
This makes them use “performance drags” that typically reduce their returns by at least 1-3%/year.
In my latest video and podcast episode (which is under 3 minutes!), you’ll learn exactly how to EASILY outperform index investors. bit.ly/3OSUxKH
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@RampCapitalLLC I did the smart thing and switched to backcountry skiing. Now I only have to buy like $4,500 worth of specialized equipment.
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Pretty crude chart but doesn’t change the fact that paying $250-300 a day to access the good mountains in Colorado has gotten a bit ridiculous.
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@SlavaUk30722777 @BNONews There are no Americans rooting for Putin. Everyone here already knows that he cannot be trusted.
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Graham S. Miller, CFP® 리트윗함
lol I paused when I saw this photo passed around cause I realized I know her. We went to the same college. This is her store in NC and she’s an owner/operator.
MC Squared@mcsquared34
America is a capitalist dystopian hellscape. Childcare should be free for everyone. Service workers deserve a living wage and to be treated with dignity.
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Just when you’re absolutely sure the internet can’t get any better. WSB delivers
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Just move your debts over into a trust and poof, they get discharged. Who knew?
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