• 2 Posts
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Joined 1 year ago
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Cake day: June 15th, 2023

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  • That is the downside, FZROX is only available to Fidelity customers. There’s also a potential risk it won’t track total market performance as well as predicted because one of the ways they keep the expense ratio at zero is by only purchasing what is supposed to be an equivalent subset of the total market to keep their transaction costs down. I don’t remember the specifics but I think they leave out lots of tiny companies and its not a significant risk because they couldn’t actually move the needle one way or the other.


  • If you have an account with Fidelity, FZROX should be a better choice than VTI. Unless you enjoy investing or want to really get into it, either do a target date fund for the easiest and lowest risk, or a total market fund like VTI, or an S&P500 fund like VOO. You really don’t need to overcomplicate beyond that, except to potentially start buying bonds when you are nearing retirement if you didn’t choose a target date fund.












  • Yes, if friends. Unless they are repeating themselves, I’m going to be interested at least a little. Coworkers, no. I’ll be polite and sympathetic but if it is not related to work I am unlikely to be interested and will try to bring the conversation back to work topics or end the conversation as soon as I can without being rude. Randos, maybe but probably not. I’ve met lots of interesting people and am always kind of interested in hearing about the human experience from anyone who want to share theirs, but really I think I got too old or jaded for that. I avoid interacting with random strangers if its a choice now, and am always at least a little skeptical of whatever bullshit someone I don’t know has to say to me. I try not to be rude expressing my disinterest but I will be if it feels appropriate or necessary.


  • It’s ridiculous that he still has a security clearance. Anyone else acting out in the way he has been would have the DOD all up in their shit. It is obvious at this point that he is a threat to national security, his public drug use and unhinged behavior alone should have been enough. Now he is getting hurricane rescue workers threatened and terrifying disaster victims into not receiving government assistance, it’s absolutely monstrous and fundamentally anti-American. That he is also trusted with secret information about US national security and receives billions of dollars from the US government is completely absurd.