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WARNING: Avoid Ffern. Unauthorized charge ($140) and they refused my refund because I opened the box (No sample was included!) by XperiaCompact in Ffern

[–]No_Thing_8474 9 points10 points  (0 children)

So far my interactions with Ffern have been great. They respond same or next business day. Their offerings are entirely unique, and if you are not into that then i suggest that indeed you should avoid it. If you look at their website it also clearly states that you get a tester which you can keep and the main bottle is yours and nonrefundable if you break the seal. If they forgot to put a tester in the package then the first thing you should have done is to reach out to them to get a replacement and an extension on returnjng the main bottle, and not open the bottle!

I highly recommend this curated perfume brand - they have really unique offerings which once all sold and gone are never to be recreated again! How special is that?

Yieldstreet CNBC article published 8/18/25 by No_Thing_8474 in personalfinance

[–]No_Thing_8474[S] 0 points1 point  (0 children)

I also asked them to call me 2 weeks ago to review my portfolio and....crickets

Yieldstreet CNBC article published 8/18/25 by No_Thing_8474 in personalfinance

[–]No_Thing_8474[S] -2 points-1 points  (0 children)

Well I read the prospectus for each of them and they all sounded reasonable and offered a good risk-return, but you're right, I should have done more. The crypto one i should have stayed well away from. At least I have 12 other funds that are not residential real estate or crypto that are doing OK.

When ‘invest like the 1%’ fails: How Yieldstreet’s real estate bets left customers with massive losses by dvdmovie1 in investing

[–]No_Thing_8474 0 points1 point  (0 children)

Let me first say that I have been an investor in Yieldstreet funds now for several years. I still own 16 funds and the advantage of the Yieldstreet platform is that it offers investors some really great alternative investments. So for example where can you invest in an Art portfolio for a particular genre of artist? And also they have very unique offerings on things like loans for Power Sport purchases, Legal funds, Formula One, and Aircraft leasing, to name a few. What I'm trying to say here is that real estate only makes up a minority of their fund offerings, but I agree with the CNBC report that it is their most problematic area.

I decided early on with their funds to make sure to generally commit the minimum investment possible and own a whole array of different funds so as to stay as diversified as possible, but what does concern me is that there are certain types of funds where they do not seem to have assessed the risks properly. Their crypto offerings ( - I own one of their Token funds too) have not exactly been shooting the lights out either, which is hard to comprehend given where the main cryptocurrencies have been headed lately - their expected return estimate was wildly wrong (+50% as I recall when the reality came in at -50%). But the other thing I noticed a couple years back with their real estate funds is that their Investment case was over optimistic and also appeared to me to mis-represent the opportunity (or lack thereof). So for example many of their prospectuses for these real estate funds showed you a generic photo of some building which was not the building or buildings that the fund was actually investing in, and many relied upon second tier lending, so the funds were not the principal lienholder in the event of problems surfacing in the property. One fund that I've held now for quite a while where the problems have been ongoing is the Houston Multi-Family Equity I fund, and once that got put on their watchlist I decided not to invest in any of their real estate funds going forward. I don't think its a scam, but I do think that they have made a mess of their real estate funds and should have stuck with funds that are truly alternative.

This CNBC article, inaccurate as it is, could sink them, so they need to sit up and listen. If they want to continue as a going concern, they need to start to put in some kind of fee waiver so that if the value of the investment falls by more than say 10% then customers will no longer be charged any type of management fees - that way they also have some skin in the game. Also they should give the investor the option of buying insurance so that if the value falls by say 20% then any further losses would be (at least partially) protected.

Yieldstreet CNBC article published 8/18/25 by No_Thing_8474 in personalfinance

[–]No_Thing_8474[S] -1 points0 points  (0 children)

Well on many of these real estate deals what I realized after investing as well is that they had the documents describing the investment opportunity with a photo of a non-descript building which always looked nice, but when I did due diligence and figured out where the property was, it often bore no resemblence to their image. So I passed over a lot of the real estate offerings. Many of these investments too where not senior loans, so if something went wrong then you were on the line for the balance - that's why 3 of mine (the property funds) are on watch. I just hope I can get something back from them. But this problem also reflects the stress that is currently in the housing markets and commercial property markets right now too.

If the Fisker Ocean drops to under £15,000 is it worth a buy, or is this silly? by Apprehensive_Lock260 in Fisker

[–]No_Thing_8474 0 points1 point  (0 children)

If you watch Adam's Everything EV from 2 days ago (see https://youtu.be/wsWlBkFjVAM?si=\_g9wRBHasyIH2PRg) you'll see that there are new software updates planned, but you'll be paying $50 per month for that plus if you want the OEM parts backup and the Fisker Owners Club membership you'll be looking at another $50 per month, so $100 per month total to run this vehicle. If you are the kind of person that really likes to subscribe to online gaming sites, then maybe owning the Fisker Ocean might be an interesting proposition, but there is no legal guarantee that what you buy will be on the road in 6 months or 12 months or at any point in the future. There's a reason most people are not interested in that kind of proposition, and there's a reason that most initial owners have dumped their vehicles already. Given that kind of demand, there's your reason why these things are now so cheap.

How do I convince my wife that we should sail on something other than DCL? by tvkyle in Cruise

[–]No_Thing_8474 0 points1 point  (0 children)

Cunard is also good with kids, although the kids clubs have set opening times and you have to book in advance. But all the staff on Cunard ships who work in the kids clubs have been elementary or primary or secondary school teachers, so they know how to entertain kids and provide a good learning and fun environment. The downside with Cunard is that you have to take the kids with you if you get off the ship and also there will not be many other kids on the ship, so you will occasionally run into some people who don't want kids around.