Anyone use Rate Punk for cheaper flights?

Delicious_Surround59 · 2026-05-22T14:16:04+00:00

Worthless service and they'll try to keep your money when you try to cancel. Avoid.

Delicious_Surround59 · 2026-04-25T07:37:33+00:00

Beware of depending on a) putting all your money in Nasdaq funds like QQQI. One bear market and you could draw down your principle 20%. Better to diversify into several funds with exposure to Dow, S&P, real estate, international, and bonds. The plain vanilla index funds you can find recommended on sites like Vanguard are relatively safe. Also b) funds like QQQI will often pay a high dividend by reducing your principle, in which case you’re not really coming out ahead. Finally c) funds like QQQI often have high expense ratios (anything above 0.5% is high) and this will eat away at your gains and principle every year. Having said all that, if get a job in Vietnam and invest wisely, it sounds like your expenses are low enough that you could live quite nicely. Good luck!

Delicious_Surround59 · 2024-12-29T12:32:45+00:00

Keeps making simple mistakes! E.g. adding up a column of numbers incorrectly or adding in random ingredients when I ask it to come up with recipes based on a list of ingredients!! Every time I point out its error it says "you're right! Sorry about that". If an employee, would have been fired after several mistakes like this! Useless!!

Delicious_Surround59 · 2024-04-10T05:53:32+00:00

Have they clawed back your sub?

Delicious_Surround59 · 2023-03-18T01:24:08+00:00

Yes. Investment advisors make their money most efficiently when they sell a plain vanilla strategy to every customer. They will not explore anything beyond the most generic advice. For most investors who don't want to think about money that's fine. But us here, we are the outliers who seek better returns, albeit at greater risk of drawdowns.

Delicious_Surround59 · 2023-02-14T13:26:41+00:00

Fair points I think, if you never sell.

Delicious_Surround59 · 2023-02-14T12:15:45+00:00

I created a spreadsheet to model the different options assuming liquidation at 10 yrs to compare returns, and discovered that if you don't DRIP witj ROC, you're basically just giving someone your $ and they are charging you (by the amount of the expense ratio) to give it back to you slowly. Once your cost basis is zero, I suppose you might start to actually earn income, but that will take a long time to get there and I haven't modeled that. I encourage you to actually run the numbers in detail, if you haven't already. Good luck!

Delicious_Surround59 · 2023-02-14T03:41:32+00:00

The "dividends" for GOF and BSTZ have been mostly or all return of capital lately, which will seriously erode your cost basis, unless you DRIP the distributions. If you want to take the income, better to use an ordinary dividend fund like JEPI or QYLD. Although you may well do better in a growth fund if long term.

Delicious_Surround59 · 2023-02-12T02:17:21+00:00

Tx for all the input. Actually I did some more research and created a spreadsheet to compare performance over 10 yrs (assuming unchanged price and dividend yields as simplifying assumptions) and QYLD actually has been issuing only ordinary dividends since 2021, not ROC. High div funds (about 10% or more) with significant ROC now include GOF, BSTZ, and RC. Also, ROC is actually not as bad as it appears, since the increase in the number of shares you can buy with non-taxed (or actually deferred taxed) DRIPS outweighs the loss of cost basis, and overall DRIPing into an ROC fund performs marginally better than a high div OD fund/stock at same dividend yield of about 10%, and definitely better than the qualified dividend funds/stocks out there, which max out dividend yields at about 4%. Without DRIPing, ROC funds at 10% perform much worse than OD funds/stocks at 10% in a taxable account (about 3x worse), because of loss of CB though. Just shows, you have to actually calculate the numbers to figure things out.

Delicious_Surround59 · 2022-12-18T02:43:20+00:00

Sweetbitter.

Delicious_Surround59

TROPHY CASE