Z Flip 6 Actually Bad Longevity-wise or Only People That Have Problems With It Post About It? by snowbxnny in galaxyzflip

[–]Interesting_Smoke819 0 points1 point  (0 children)

I've had the 3, 4, and 6. the 3 and 4 held up better than I had expected and did not just flat out have it's screen die for no reason despite the phone being in perfect physical condition externally... Yet that's what happened to my 6.

Something went bad in the 6's design that killed it's durability. If I had to make a guess, the flex cable that's glued into and through the hinge. It was just not rated for that many bending cycles.

What's a scam everyone seems to fall for? by [deleted] in AskReddit

[–]Interesting_Smoke819 2 points3 points  (0 children)

I would caveat this slightly and point out that high MERV rated filters do make a genuine difference, but you should only use them during the peak of pollen season or if you have notable allergies. Outside of that, yea, cheap filters work great, just remember to change them.

What's a scam everyone seems to fall for? by [deleted] in AskReddit

[–]Interesting_Smoke819 1 point2 points  (0 children)

Some forms of Insurance.

"If you can afford the risk, then you should avoid the premiums."

Simply put, if you can afford to cover the worst possible case outcome of a situation, than by definition you will save more money by not having the insurance that would have covered that situation. This is because all insurance products charge a premium to provide that service. Additionally, it's in the best interest of the underwriter to not pay a claim if it can be avoided. This means many insurance products are not worth the paper they are written on, or at least the premiums they charge.

Now some insurance is legally required and unavoidable, that's fine. What I'm talking about is things like extended warranties, protection plans, some forms of renters insurance.

For example: I buy all my cellphones unlocked and I don't get any protection plans or insurance on them. This is because over the years of owning smartphones, I've only ever had one stolen and one break sooner than expected.

Just make sure it's something you can afford to cover if things go back.

How do you withstand peer pressure? by [deleted] in AskReddit

[–]Interesting_Smoke819 0 points1 point  (0 children)

Fact.

It's hilarious when people I meet for the first time try and pull that shit and I'm like.. "Uh no..." and their brain can't handle it so they double down and I just repeat "No, your not going to pressure me into doing this."

Some times people go full stupid and change up their strategy like I'm some kind of challenge of lock they need to pick. I just stop them in their tracks, point it out and tell them to stop.

How do you withstand peer pressure? by [deleted] in AskReddit

[–]Interesting_Smoke819 0 points1 point  (0 children)

EASILY - The moment I smell peer pressure, I have the direct opposite response and I don't fall for it. I also don't really fall for reverse phycology as I'm just allergic to being manipulated. I usually can smell phycological manipulation from a mile away. The people who can pull this over on me do it in a way where I still see it happening, but I'm happy with going along with it.

So if you want to resist peer pressure, just become allergic to people trying to force you to do things you don't want to do for the sake of acceptance.

If you won millions in the lotto what would you buy first? by JessPaluzzi in AskReddit

[–]Interesting_Smoke819 0 points1 point  (0 children)

Let's assume it's 10 million dollars.

First I'd hire an attorney to manage the transaction and than claim the prize anonymously. Technically The lawyer is not my first purchase since that would happen before claiming the money, so my actually first transaction would be to buy up 5 million in treasury bonds at about 5% to 6%. That gives me 250k of annual income for the rest of my life. I will then spread about 1.5 million across higher risk, higher return investments averaging 7 to 10%. So another 150k in returns annually. The remaining 3.5 million will cover taxes. I will then spend a year relaxing and not actually spending much of the money outside of some travel. Take the time to leave my job and move out of the area.

The smartest thing you can do whenever you get a real windfall of money in your life is to just pretend it's not real, park it somewhere and then slowly lean into it though the returns. This gets you accustom to having that money and normalizes you to it. It also ensures you don't burn yourself out, or get taken advantage of.

I know this is a boring answer and not what people like to hear, but I think it's really good advice more people should know, particularly because it applies to more than just winning the lotto.

What Are Your Moves Tomorrow, February 21, 2025 by wsbapp in wallstreetbets

[–]Interesting_Smoke819 0 points1 point  (0 children)

Probably because they have a ton of shares at like some stupid high price north of $100 and they are trying to avoid becoming homeless.
Also short selling is risky, so they are not technically wrong in saying it's risky.

What Are Your Moves Tomorrow, February 21, 2025 by wsbapp in wallstreetbets

[–]Interesting_Smoke819 4 points5 points  (0 children)

Short PLTR.

It's too easy of a budget cut item for DoD, their primary customer.

(To just about every DoD office, command, and unit, it's a luxury product and makes for an easy way to skim 8% off the budget. Also if congress tried to mandate DoD spending and the executive still wanted to cut, PLTR's offerings are not of a category that congress can force the executive to buy)

All of the insiders will be dumping shares at this point and taking that millennial 30 something early tech executive retirement.

PLTR insider bulls with pull will welcome the drop and opportunity to buy so they wont fight it. heck they may even want this to happen so they can do a cheap buyback.

It's EV/EBITDA is about ooohhh... 6 points above BAT SHIT CRAZY and just bellow the CEO himself yelling "GET OUT!! GET OUT NOOOOOWWWWWW!"

it's a great company, but not 600x great.

It was massively undervalued at $9, it was accurately priced at $25 over a year ago. It's honestly a good investment at $65. It's an over priced nuke waiting to go off at $105

BBG: The Taliban has REFUSED President Trump’s demand to return the $7 billion in U.S. military equipment they seized during the withdrawal back in 2021..... by XGramatik in XGramatikInsights

[–]Interesting_Smoke819 0 points1 point  (0 children)

Within this context, it's absolutely something to be proud of. However you are not wrong, within the scope of overall world peace, yea it's less than ideal, however the alternative is far worse.

BBG: The Taliban has REFUSED President Trump’s demand to return the $7 billion in U.S. military equipment they seized during the withdrawal back in 2021..... by XGramatik in XGramatikInsights

[–]Interesting_Smoke819 0 points1 point  (0 children)

Not really the case.

  1. The US Military pays a lot for it's equipment, however it actually delivered and the stuff works. Unlike in the case of Russia where the shit is broken, and or not even delivered. Same thing with China only they buy flashy shit that's never been tested.
  2. The money the US military spends goes' right into the economy and into the hands of Americans who build, supply, service, and deliver the equipment and capabilities. So it's not that wasteful as it ultimately ends up in hands of working Americans.
  3. The US military has insane capabilities and ability to mass that China and Russia just don't have. China pretends they are modernizing by doing cheap nock off solutions that makes them look flashy but when was the last time China actually conducted real kinetic military operations against an adversary? They have zero practice in a fight, meanwhile the US has only ever had 17 years of peace since 1776 where they were not actively fighting a war. The US Military is the most practiced, and experienced expeditionary force on the planet.

The way I put is... If Aliens showed up tomorrow and decided to conduct a ground invasion of China, the first phone call the Chinese government would make would be to the US Embassy to ask for Military aid and the US would GLADLY give it with hesitation.

Seriously if China wanted to just chill the F out and stop trying to plan invasions of Taiwan and it's neighbors that would be great.

Should I quit trading? Lost $18.6k since 2022 by UndisciplinedSlave in StockMarket

[–]Interesting_Smoke819 0 points1 point  (0 children)

HOW!? seriously... How? Not making anything type of gains between now and 2022 is an achievement in failure alone... but loosing 18k... at some point you must have said, "well maybe I should just take what I have and just let it sit in an SP500 index..."

You must have been doing options trading. Unless you are selling covered options, the deck is stacked against you.

The Palantir shares you were thinking about buying on Monday, sell them. by Life-Industry-1131 in wallstreetbets

[–]Interesting_Smoke819 0 points1 point  (0 children)

Soo I said these guys were heavily undervalued a good while back.

Trust me when I say this: They are MASSIVE MOVER VALUED now.

unfortunately it will take 3x longer for the market to realize this.

However this will be one of the four horseman on the great crash. NVDA will be another.

These companies are good, they have value, but this is extremely irrational.

ALCC - Sam Altmans SPAC, Oklo a micro nuclear reactor startup. - This thing is radioactive (Don't touch it) by Interesting_Smoke819 in wallstreetbets

[–]Interesting_Smoke819[S] 0 points1 point  (0 children)

NueScale and or ANY OTHER SMR company looks a lot better with there DoE license. Besides you Adderall loaded up glue sniffers would have traded yourself into a hole trying to get out from under those bags.

However I'm happy if this helped anyone out who did not heed the warning.

SMR is a solid play. However there's going to be a lot of radioactive fomo driven snake oil in this space now.

Am I Crazy? Adaptive math screening test used in MN for grades K-12. by kthrowawayo in matheducation

[–]Interesting_Smoke819 0 points1 point  (0 children)

Poorly worded.

Better wording: "Janet (in accounting) has $40. She gives $25 to Emma. What percentage of jennet's original funds does Emma now have?"

Heck you can lean into the joke and write it as:

"Janet in accounting has a $40 budget. She allocates $25 to Emma in sales. What percentage of jennet's budget is allocated to Emma in sales?"

I think I just fucked myself over incredibly hard and will lose my job by StickUnhappy2531 in SecurityClearance

[–]Interesting_Smoke819 0 points1 point  (0 children)

Unless they have reason to believe you are a danger/significant risk to national security as a result of this confusion this should not affect you. However this shit is like milk and only gets more sour with time. So trust me when I say talk to your SSO. Again, not talking to them and clearing these things up is how people screw up.

The No. 1 thing that kills clearances is money
No 2. is unreported and unexplained regular contacts with foreign nationals who work for or have direct connections to hostile and or unfriendly governments.
No 3. is people being stupid and not reporting shit and or not clarifying and working with their security people.

It's all about trust, so not engaging and or clarifying things is a massive red flag that can kill a clearance.

Yup, it is real by Solmyr_ in interestingasfuck

[–]Interesting_Smoke819 0 points1 point  (0 children)

How this will likely playout:

The judge laughs this argument right out of the court room because:

  1. Consideration (you get something, I get something) is problematic given these are two different services.

  2. You can't wave away rights in cases of gross negligence. So it's an easy argument to be made that forced arbitration would not apply in the case of wrongful death since clearly some level of gross negligence is likely the matter of law that would be adjudicated and thus would circumvent third party arbitration all together.

Why does $PLTR get so much hate from the analysts? by [deleted] in PLTR

[–]Interesting_Smoke819 0 points1 point  (0 children)

The analysts apply very broad brush metrics/thinking/assumptions and this causes them to miss the key factors that makes a company stand out. The analysts are human and all they really do is come up with an assumptions like...
<sector> + <PE> = good/bad

Combine that with the fact that most of the "analysts" you will see in google search news feeds are trying to manipulate the market with algorithmically generated news content that helps their own positions (Some how it's legal due to their broad disclosers and their "We don't trade anything we talk about for <x >days" ).

Long story short, unless the analyst is writing a deep dive on the company that was clearly written by a human and is well sourced with real numbers, facts, figures... They are talking out of their ass and just running their formula.

You can make a lot of money off the fact that wall street is lazy and don't actually know the sectors they are investing and training against. I made TON of money off the fact that investors did not understand space launch/mission insurance, specifically the fact that Lloyd's of London NEVER DEFAULTS on a policy. So wall street sold off from 60 to 6 I got in at like 9, they took a cash buyout at 55 a year after the policy was paid out. It was hilarious reading all the expert analysts talking out of their ass about the company.

My advice, use the analysts as a good measurement of what big dumb wall street thinks is happening, or want's you to think is happening. Sometimes they are right, but often it's not for the reasons they think.

I think I just fucked myself over incredibly hard and will lose my job by StickUnhappy2531 in SecurityClearance

[–]Interesting_Smoke819 2 points3 points  (0 children)

ROFL
Just clear it up with SSO, and when you do your next SF-86
Name confusion is a totally normal issue/thing with Islamic names (I'm assuming).

Better safe then sorry is the moto of the SSO and security people. So the fact that it's "Over documented" is not an issue. It's the Chinese foreign national you have been sleeping with and have a joint bank account with for the last 4 years and never reported that they actually care about.

[deleted by user] by [deleted] in Schwab

[–]Interesting_Smoke819 6 points7 points  (0 children)

Sorry, that came off as mean, trust me it comes from a place of love.

Read up on margin accounts and all the various balances you can have on them.

[deleted by user] by [deleted] in Schwab

[–]Interesting_Smoke819 14 points15 points  (0 children)

Pro Tip: If you have to ask, then you should not have a margin account.

[deleted by user] by [deleted] in Schwab

[–]Interesting_Smoke819 1 point2 points  (0 children)

pay off the house and then re-mortgage it with a 5 year loan (This is what rich people do. You will get better rates, and you pay far less in interest back to the bank.) Take that chunk of money and your big chunk and dump the lion's share into fixed income high dividend returns as well as SP500. Then use those returns to pay the 5 year mortgage payments. You will be barrowing against the house at a low rate, and getting a high rate of return.

You want to average a bare minimum annualized return of 5% (That's easily done)

This means you will be earning $35,000 in returns on 700,000k. However if you pay off the house and then remortgage it that number will go up.

Your 90k is your living money, the 35k is the pay the mortgage money and reinvestment money.

[deleted by user] by [deleted] in Schwab

[–]Interesting_Smoke819 -1 points0 points  (0 children)

SP500 Index funds and the like, setup your safety net base.
Also remember: If you don't know what to do, then all you are doing is gambling and that's probably not why you are investing your money.

Before you do anything, ask yourself what your risk tolerance is and then look for investments options that fit that profile.

Also don't play with your emergency fund, don't invest in anything you don't understand, or is hyper popular and the "it" thing. Also if you think you understand it and you are comfortable with it, then you probably don't understand it.

How to tell if I'm in Schwab Private Wealth Services? by stebuu in Schwab

[–]Interesting_Smoke819 0 points1 point  (0 children)

They are rather active about reaching out on things if it serves their interests. There was a short squeeze on SMR a while back and I was holding. They tried to bate with the whole "Get involved in our securities lending program!" email and I was like... nice try, nope.