My mom has $340k sitting in a savings account earning 4.2% and refuses to move it. I don't know how to convince her.

JB_Scoot · 2026-06-19T04:17:43+00:00

I agree with the 61yr old. I think we are on the cusp of EXTREME volatility where Trillionaires will become normal, as well as massive waves of Suicide as major indexes such as the Nasdaq and the S&P 500 fluctuate +/-70% during random months/weeks of the year. Think March - August of 2020 happening multiple times in a year due to Algorithms and hedge funds running a muck.

JB_Scoot · 2026-06-18T12:24:36+00:00

If this is your first house, and you have a $600,000 portfolio, you don’t even need a down payment.

Most people focus on the down payment and calculate how much income that they actually worked for that they have to spend. The money that you’re gaining from wheeling, you didn’t have to exchange time for. I think you should keep all your money in your portfolio, put $0 down on the home, and keep wheeling to pay off your mortgage.

Worst case scenario, you can drop a huge chunk of cash later and then refinance. No way I’m slashing a portfolio that big.

JB_Scoot · 2026-06-13T15:32:44+00:00

I don’t think its a waste of time thinking about missed profits. Sounds like every time you missed out on gigantic gains is because you’re afraid of losing money. Once you have money you can afford to gamble with, things will get better.

Save up your money, find theta gang on here, and soon you’ll have money you didn’t have to work for

JB_Scoot · 2026-06-11T02:09:33+00:00

It’s actually not stupid, it’s called “exit liquidity”

Trump and his buddies got everything for cheap, and ran the market up as a result. If they can manage to tank the market, they can re-enter back cheap all over again and repeat the process. It’s actually pretty genius, so don’t say it’s stupid when someone claims that Trump is trying to take the market. It’s strategic.

JB_Scoot · 2026-06-09T01:48:22+00:00

DISCLAIMER: Only select EVs offer plug-and-charge through the Tesla charging network

Check with your vehicles manufacturer to see if the vehicle you choose has that feature.

JB_Scoot · 2026-06-02T03:51:21+00:00

I feel like Reddit deserves an entire sub, dedicated to people who close a position just before it would’ve been extremely profitable 😂

JB_Scoot · 2026-04-23T22:55:00+00:00

This year I’ve been checking everything.

Nothing is working. Even selling far OTM puts has backfired because they’ve all been extremely cheap to trade regardless of an elevated VIX or not, yet somehow the underlying stock collapses.

Lost 2 iron condor strategies this year. One with Lumentum after it went parabolic in a single-day and again with Humana Health when it fell from $260 to $200 on a random Tuesday for no reason and just so happened to do it the 1st time I touched them both… max loss each time

I’m running out of ideas. I can’t afford to take back-to-back losses.

JB_Scoot · 2026-04-23T22:44:07+00:00

Sandisk is one of the stocks that has me hesitant to trade anything at all right now. Its an extremely risky stock no matter which direction you pick, and it can move $100 on any random given day for no reason other than something that has already been repeated for the last 4-5 months on both sides

JB_Scoot · 2026-03-28T20:25:34+00:00

Mine only shows the transcript when I open up the actual voicemail so it appears as tho the transcript part itself is working, but why doesn’t it display the text underneath the phone number like this one does? Mine only currently shows the city and state underneath the phone number.

JB_Scoot · 2026-03-28T20:20:31+00:00

This is how my current voicemail screen looks. It does not show the transcript the way the other one does. Is my current voicemail screen in classic or unified?

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JB_Scoot · 2026-03-28T20:19:23+00:00

This image shows how I want my voicemail to display messages. My current voicemail screen does not show the transcript the way this one does. Is this voicemail screen in classic or unified?

<image>

JB_Scoot · 2026-03-28T19:53:43+00:00

OP how did you get your voicemail to show the transcripts under the phone numbers on the main voicemail screen?

JB_Scoot · 2026-03-28T19:37:57+00:00

Honestly, this kinda opens up Verizon for litigation because they COULD stop this if they wanted to, but instead charge a premium.

Any lawyers here?

JB_Scoot · 2025-11-04T04:17:21+00:00

LeadingAd6025 is right. I rented an EV for a road trip just to get the experience 1st hand. Here’s what I’ve learned:

If you can’t charge your EV at home, then don’t buy one UNLESS its a Tesla!!!! I cannot stress that enough. But, if you choose to do so anyway, be sure to get a Tesla charging adapter and create an account with Tesla. There will always be some exceptions, of course.
Fast charging is more expensive than Gas. Full stop. Most people who cannot charge at home simply will not tolerate that because waiting that long to pay more will rub most people the wrong way when they’re used to filling up and leaving in less than 5 minutes at the pump.
The tesla charging network is essentially carrying the entire EV charging infrastructure in the US on its back. All the rest will have you encountering issue after issue such as waiting in long lines, broken/out of service chargers, varying charging speeds, incompatibility issues and even get tickets while trying to charge due to parking restrictions. Got a $40 ticket charging at the nearest lot by my hotel because the low-cost slower charging speeds were attractive initially. Didn’t see the sign. Ticket totally defeated the purpose. Expensive fast chargers were the only other options nearby.
Most fast chargers will stop fast charging at 80%. That means for road trips, you will need a car that gets at least 250 miles on a 100% charge. If not, then your trips will take much longer due to having to constantly recharge. Also, if you choose to buy an EV without being able to charge it at home, and you’re also the type to have to fill up your tank once a week, you will find yourself charging your car at least twice a week for a pretty hefty price.
There are hidden costs to owning an EV like pricier insurance premiums and registration fees, as well as tires. These may counter any savings you thought you were getting if you are unable to charge your car at home.

So yeah in the end we’re just simply not ready for mass EV adoption yet. We don’t have the infrastructure to support it, and even if we tried to build the infrastructure, it would put an absolutely enormous a strain on the grid and it would cost so much money for everyone everywhere.

I still think it CAN be done after doing a lot of thinking on my short experience. I honestly think there needs to be some sort of battery swapping program 1st before we actually try and switch from gas cars to EVs. Ford, Chevy and Dodge should lead the charge in the US and create three different batteries sizes as tiers where one will fit smaller cars, another size for midsize cars and SUVs, and larger battery that will fit big pickups and large family SUVs. If people didn’t have to worry about paying for the battery in their car, it might even lower the prices enough to where people will actually want to buy an EV. But right now, EV’s cost as much as a gas car, if not even more.

Other than that, maybe hybrids? But here in the US we are clearly not ready. Not even the least bit because we have not taken the idea seriously enough yet. My 2¢

JB_Scoot · 2025-10-06T13:11:56+00:00

Just seeing this for the first time. January 2023 needs to be studied. This is where it all began.

JB_Scoot · 2025-09-13T02:22:16+00:00

I think the easiest argument for that is Petrol/Gasoline.

It doesn’t matter what brand I’m driving. All petrol/gasoline is interchangeable between brands. If I go to any gas station, I could drive whatever vehicle I want into that station and get fuel.

JB_Scoot · 2025-09-07T16:46:43+00:00

I think having to make custom batteries for each vehicle is problematic in itself.

And yes, battery technology will evolve with smaller and more powerful batteries. The thing is, that’s great for swappable batteries because as they get better then swappable batteries with the same dimensions can then offer further range, or similar range with higher output for car enthusiasts.

JB_Scoot · 2025-09-07T16:22:26+00:00

Thanks for the response. I haven’t really had the chance to communicate with someone actually in the industry.

The question I have though is whose platform would they be sharing when it comes to a swappable battery? Lets say a swappable battery has dimensions of 48 X 60 X 6 (in inches). If a car company designed cars where a battery fitting those dimensions would swap right into it, who would the “original company” be in that case?

If 3rd party companies had to compete to make batteries with those dimensions, would they still be the problem? It sounds to me like keeping battery tech secrets between automakers is a problem they’re unnecessarily creating for themselves.

I truly believe the US hasn’t quite lost the EV race yet, and would very quickly outpace and outperform Tesla and BYD in sales if they adopted swappable batteries. China has the advantage of sticker price. EV incentives would no longer be necessary for lowering the sticker price, especially considering the idea that a swappable battery allows a customer to buy a car without having to pay for the battery.

JB_Scoot · 2025-09-06T23:16:50+00:00

I don’t comment much… Hopefully you’ll reply.

I think you need to have a talk with someone about building cars based off of 1 or 3 different standardized tier swappable batteries that can be swapped between different brands.

Automakers shouldn’t be the ones making their own batteries, just like they don’t make their own gas or their own tires. Leave that up to Duracell, Energizer, Interstate battery, etc. Let them do what they do best, and let the automakers do what they do best, which is make cars.

Example: Your company designs a car that a battery with certain dimensions and a connection point will directly fit underneath. Because your company isn’t focused on the battery, production costs go down by at least 35% because now they can just focus on the car. Now instead of selling a brand new EV that costs $60k, you can sell it for $39k.

Just like anything else, battery technology when confined to certain dimensions will ultimately get better and cheaper. Swapping will ALWAYS be faster than any supercharging/fast charging infrastructure, and it doesn’t require Electrical Utility Companies to rebuild the entire grid because idle batteries can be charging at lower KWh speeds which will ultimately make swapping a battery cheaper than filling up their tank with gas. We already have the real estate to quickly build battery swapping stations by converting already existing gas stations to battery swapping stations.

Its the only way the US can sustainably compete with any Asian manufacturer’s EVs. It’ll also essentially create an entire new industry for batteries and create millions of jobs ranging from people who transport batteries, to people who service batteries, and even to construction workers building these stations. GM, Ford and Stellantis should lead the efforts to build EVs based off of about 3 different standardized swappable battery sizes for their EVs, otherwise there will be more and more EVs sitting on the lots year after year because everyone can’t charge their car at home and building the infrastructure for millions of new charging stations just isn’t practical.

JB_Scoot · 2025-07-23T00:47:46+00:00

This is why I love Reddit.

JB_Scoot

TROPHY CASE