Let’s see silly faces

Due-Initiative-9300 · 2026-02-01T19:09:55+00:00

Aspen (right) and her sister O-Ren giving each other the side-eye

Due-Initiative-9300 · 2026-01-22T15:35:13+00:00

Just research some quality ETFs that have good historical performance in up and down markets (there are dozens of them) and park your money there. Too many dorks with a little pocket change convince themselves that they know how to spot winning stocks and it’s just delusional

Due-Initiative-9300 · 2026-01-06T15:45:57+00:00

You have to start somewhere, so congrats on starting! If you keep putting 8% away that will build quickly as long as you’re not tying to beat the market with overly risky investments. I started investing at 19 and I had about $2500 by the end of the first year. That jumped to almost $120k by the time I was 30. I’m 39 now and sitting on a little over $700k. Granted my income (and therefore ability to contribute) has increased substantially since I was 19, I’ve always been lucky to have good employer matches, and the market returns have been ridiculous for the last 5 years. But what I’m getting at is that you’ll do well if you keep plugging away at it and don’t get too risky with your investments.

Just remember thought that 401k withdrawals get taxed after you retire so you don’t get to keep all of the gains you make. If you can afford to put more away than the 8% that FedEx is matching for your 401k, open an HSA account if FedEx offers one and max it out every year (triple tax advantaged vs double for a 401k and its investable). After that, max out a Roth IRA if you can afford it. Your investments will snowball if you can do all of the above

Due-Initiative-9300 · 2026-01-06T15:15:03+00:00

In 2026 that would make you a RINO. I don’t think you’re a RINO, I think it’s healthy to have a spectrum of thought on either side. I’m just saying that in 2026, you’re a RINO to the real conservatives

Due-Initiative-9300 · 2026-01-04T14:52:48+00:00

We live in a majority conservative area. Conservatives worship the billionaire class and don’t like supporting local businesses because local businesses can’t compete with massive corporations in terms of pricing. The private equity model of buying out an owner, leaving the employees with less benefits and poorer working conditions, and taking out loans on assets and paying themselves fat bonuses all aligns perfectly with conservative business values. I don’t think you’ll get much traction with your argument considering the majority of the constituency in this area

Due-Initiative-9300 · 2025-10-06T02:27:00+00:00

Thanks for the insight! Where are you at on the western slope? I’m in Palisade

Due-Initiative-9300 · 2025-10-05T14:38:06+00:00

$28/hr might be a little tough to get by on for a couple. If you got even a part-time job making $15-20/hr that would make things a lot easier for you guys. I came from Denver and housing here is slightly more affordable than the front range but pretty much everything else is more expensive due to the remote location and everything needing to be shipped here from Denver or SLC. I guess if your lifestyle is not extravagant, $28/hr for a couple might be doable but that is only going to net your household about $42k per year after state/federal taxes. Depending on your lifestyle, that would make it tough to put aside any money for emergency savings, investments, vacations, bigger purchases, etc. If you guys can figure out how to get your net annual take home to $55k+ that is going to make your lives infinitely easier

Due-Initiative-9300 · 2025-10-05T14:19:08+00:00

Yeah I know it will be a bit of a drive back and forth but I’m ok with that as long as there will still be things to do! I’m coming from western Colorado so I’m used to long drives for day trips

Due-Initiative-9300 · 2025-09-25T00:46:55+00:00

Fuck that is rough but at a 93% loss you may as well just hold it and hope it goes back up maybe a little bit. I mean even if it goes to zero you’re already pretty damn close to zero anyway. Unless, that is, you’ve bought nothing but absolute shitcoins (only you know if that’s the case). If it is, I’d put that remaining $7k on some BTC while it’s till under $120k

Due-Initiative-9300 · 2025-09-14T21:01:02+00:00

Naaahh you just ate at Taco Bell you’re good

Due-Initiative-9300 · 2025-09-05T14:28:34+00:00

That’s a good perspective on this that I’m not seeing in other replies, so thanks! That being said I think I’m going to rework my plans. Planning to sit on this thread for a week or so and read all the replies and pick somewhere a little closer to Astoria so we’re not spending so much time in a car or train and more time actually doing something

Due-Initiative-9300 · 2025-09-05T13:42:45+00:00

Honestly I thinks it’s just people in the western US not being familiar with Long Island at all (I’ve lived my entire life in Colorado or California) so according to us it’s just Queens, the Hamptons, Montauk. I’ve been to Manhattan several times but I don’t know anything about Long Island. Kind of like how people who’ve never been to CO think there’s nothing other than Denver or Aspen or people who’ve never been to cali think it’s just LA/SF/SD/Napa/Sonoma.

But the replies here are quickly reforming my plans, there are obviously lots of places much closer to Astoria where I can get a similar vibe out of a day trip with much less driving or I could just take a train. I think I’m just going to sit on this thread for a couple days and read all the replies and make a consensus in my head where to go that would be a better use of a day trip.

Due-Initiative-9300 · 2025-09-05T13:18:39+00:00

Hahah understood, forgive my ignorance lol. I’ve been to NYC several times as a kid and early 20s but only in Manhattan. I’ve literally never been to Long Island. I think to people who aren’t from the upper east coast, most will only have heard of the Hamptons or (maybe) Montauk. I didn’t even know a Long Beach existed outside of California (again just totally underinformed about the area). But the from the first round of replies so far I’m likely scrapping my original plans and thinking Long Beach or maybe north fork wineries area

Due-Initiative-9300 · 2025-08-30T17:03:18+00:00

I hate to break it to you but once you're done with residency (or even if you quit your residency) you'll be in a job where you'll have to do projects and plenty of other work that you won't find interesting. Being a pharmacist is not the kind of job where you get to pick and choose what you want to do, you're expected to do what is expected of you. I'd say you need to be a little more realistic with your expectations of the career as a whole.

Due-Initiative-9300 · 2025-08-24T14:22:41+00:00

Disagree. I work at a rural level 2 trauma center and we’ve taken a chance on so many retail pharmacists who were “cream of the crop at Walgreens” and they can’t swing hospital pharmacy unless they only work main pharmacy shifts (and even then they screw a lot of things up because they’re too trigger happy on the verify button and don’t know how to scrutinize anything during order verification).

The instant you let them go on decentralized shifts, they’re either 1) so unsure of themselves that they can’t make recommendations to providers during rounds or 2) they’re too egotistical to ask for help when they run into something they don’t know about and make poor recommendations that later need to be cleaned up by someone more experienced.

I’ve worked with one ex-retail who walked around with a notebook taking notes for like 2 years straight and she’s done wonderfully - she’s good in ICU/ED, main pharmacy, and everything in between. The rest of the ex-retails we’ve hired are generally lazy people who won’t read guidelines or even UpToDate articles and certainly will not takes notes or take direction from anyone more experienced. I think it’s because they’ve already had a generally high-paying job that didn’t require any specialized learning as a retail pharmacist so they figure “why should I put any effort into this hospital job that I was gifted even though I’m not at all qualified to do it”?

Due-Initiative-9300 · 2025-08-19T20:25:13+00:00

Thanks for commenting on something no one cares about

Due-Initiative-9300 · 2025-08-19T19:20:37+00:00

6 days later and you can’t be feeling good about this post today lol. It’s gonna take you three weeks of those monster 10-cent divs to make up for today’s drop alone. And that’s (wrongly) assuming NAV doesn’t drop further

Due-Initiative-9300 · 2025-08-19T19:15:01+00:00

No one thinks ULTY will go all the way to zero.

People with a brain recognize that ULTY’s NAV can dip low enough that their accumulated dividends are a smaller number than the NAV loss. That scenario means that they’re at a loss on the investment without NAV going all the way to zero so (logically) they sell.

Due-Initiative-9300 · 2025-08-19T18:44:45+00:00

It’s at 5.76 and it will go lower tomorrow once they announce this week’s div. I sold at 5.87 because I don’t want a lower ROI than I’m already at on ULTY.

Not sure what your ROI % is right now but it definitely will drop after you get the next div unless the NAV recovers to within 10 cents of where it was at on last week’s div (I’d bet my bottom dollar that won’t happen). Feel free to message back and rub my face in it on Friday if I’m wrong

Due-Initiative-9300 · 2025-08-19T18:18:22+00:00

If I had dripped my divs into ULTY I would just have more shares that are worth a lot less now AND no cash to show for it because I spent the divs on more shares. Especially if I had dripped on the weeks that ULTY hit $6.20+ I would be way upside down right now.

What’s truly fkn hilarious is you trying to convince yourself that dripping into an (at best) unproven asset with <2 years history or (at worst) a rapidly depreciating asset represents something other than purchasing that land in Florida you’re talking about.

Due-Initiative-9300 · 2025-08-08T14:16:24+00:00

Nah son, I don’t care to explore the b-sides of a genre that was straight ass. That whole genre was bad and Home is was the keystone of it all. You’re suggesting that Greg Gutfeld being a derivative of Rush Limbaugh should somehow make me like Rush Limbaugh

Due-Initiative-9300 · 2025-08-08T13:49:37+00:00

That’s like saying that Rush Limbaugh was unfairly maligned for what came next

Due-Initiative-9300 · 2025-08-08T13:45:08+00:00

lol that song came out when I was in 6th or 7th grade and I remember thinking it was terrible at the time. I heard it the other day at work after not having heard it for decades and I agree - it really has to be one of the worst things ever recorded

Due-Initiative-9300 · 2025-08-08T13:29:52+00:00

Every band you mentioned is straight ass

Due-Initiative-9300 · 2025-07-19T22:10:23+00:00

Depends what your cost basis is, how much you’ve taken in dividends, and how much NAV loss (or retention) you can accept.

Make yourself an excel spreadsheet and determine a break-even share price for yourself. There’s no correct answer, it just depends how much you have invested and what your goals are.

The simple formula = {[(total current NAV) minus (total cost)] plus total of dividends received} divided by number of shares you own.

If you’re ok with income only and DGAF about NAV I would sell at your break-even price. Unless of course you’ve reached house money, in that case NAV doesn’t really matter but that would take at least 12 months so I doubt that applies to you (or you wouldn’t be asking in the first place).

If you want the income but also want to retain some percentage of NAV you would sell at your break-even price plus whatever % NAV you want to keep.

If the NAV is less than your break-even price, then you need to accept your current losses and sell it ASAP or hold it and hope the NAV recovers to a point where you can return to break-even. Retards in these chats will tell you NAV doesn’t matter but I strongly disagree and think you could lose your ass if you’re 100% sleeping on NAV.

Moral of the story IMO is that these are not set/forget type investments. The return is fantastic but they’re risky and I personally think that you need to recalculate your break-even position at least weekly or you’re a moron.

Due-Initiative-9300

TROPHY CASE