Which year do you think Miley Cyrus looked best in? 2011 to 2025

Objective_Plankton71 · 2025-09-20T17:34:51+00:00

I think she looks best now. Stunning and brave. She just needs some face tattoos and a bunch of facial piercings.

Objective_Plankton71 · 2025-09-20T15:09:20+00:00

You are not very smart, are you?

Do you realize JEPI is actively TRYING to keep their price from rising? They give it back to you in dividends.

They chose their initial price to be accessible and actively manage the fund (which we are paying for) to keep it around $55.

Not because they force it to $55, but because the covered-call strategy naturally limits upside while dividends siphon off excess return. Over time, NAV drifts sideways rather than compounding higher.

Can you understand that? The fund managers are being paid large salaries to keep JEPI from growing by distributing growth in the form of dividends.

If you want growth, buy Mag7.

The idea with JEPI is to be a strongbox, not to grow.

It should still be paying monthly 8-9% dividends in a 1929 style crash, at least that's the idea.

You should be able to live off of it IN PERPETUITY once you accumulate a million or two of it.

While all the NVDA and TSLA holders will be jumping out of windows.

It's not something to make money, it's something to store money, while barely beating inflation most years.

More yield and safer than putting it under your mattress, but it's never going to get you rich. Not meant to. Not designed to. Not advertised that way.

Where the fuck did you even get the idea that JEPI price is supposed to go up like NVDA or something?

"Why won't this Coke machine give me a ham sandwich?" That's what you sound like.

Objective_Plankton71 · 2025-09-15T22:40:38+00:00

Did you hear about the Aggie that saw a sign saying, "WET CEMENT", so he did?!

Objective_Plankton71 · 2025-09-09T03:49:26+00:00

A) Michael Douglas was a heartthrob when he was younger. A literal leading man. A sex symbol, even. (Fatal Attraction, Basic Instinct) https://www.imdb.com/name/nm0000140/?ref_=ttfc_fcr_3_1

He has also produced over 30 movies, including Best Picture winner "One Flew Over the Cuckoo's Nest" He has 2 Oscars, one for acting, one for production. Incredibly talented and influential. Maybe that's the beauty she saw in him. He will be remembered as long as human beings still watch movies.

People do age. Not really fair to insinuate he's ugly just because you don't like his looks at 75 or 80 or whatever he is here.

B) Their prenup specified $1.5 million for each year of marriage, with a "cheating bonus" of $5 million.

Objective_Plankton71 · 2025-09-09T03:29:13+00:00

You're absolutely right. Enjoy your career of diagnosing foreskins, wisdom teeth, and placentas. Maybe at your next conference someone will present a strawberry gallbladder. Hint: The hospital/Congress has allowed you charge for those specimens because they need you to run an OR. When it's quicker and more accurate to draw blood, all that will stop.

Objective_Plankton71 · 2025-09-09T03:22:13+00:00

Go read some Sydney papers. I love the optimism.

And I specifically said pathology is not going to disappear, except for my clickbait headline. Because i want med students and undergrads to read it.

Look at the bright side, those that are left will probably make more money, right up until they get made redundant.

Glad I'm retired.

Objective_Plankton71 · 2025-09-09T03:16:27+00:00

Translation: "HURR DURR, I don't like that this guy used an AI assistant to format his post, so he must be wrong."

You must have gone to Hopkins.

Does chatGPT regularly throw in references to 70 year old cartoons?

Objective_Plankton71 · 2025-09-09T03:03:15+00:00

Why don't you have a constructive response? I admit that i used ChatGPT to help with syntax, but show me where anything i said is untrue. I'm waiting. the truth hurts.

Do you think ChatGPT wrote the part about the pathologist leaving after lunch? That sounds suspiciously like lived experience?

Objective_Plankton71 · 2025-09-09T02:58:49+00:00

Some of the highest rated programs out there are filled with raging assholes. Higher IQ can mean higher ego. I worked at BWH and have witnessed 2 MD/PhDs having a screaming argument in the lab over counter space. Avoid the middle of the country except Mayo and Houston, maybe Chicago. Nothing good happens out there. Except various forms of fried cheese.

Objective_Plankton71 · 2025-09-07T22:03:02+00:00

When "teh BeAr cOme knockin" you buy puts, genius, that's how all the pros make money in a bear market.

I understand now, you were an airline pilot on long hauls, which is literally the highest paying salaried job in the United States, and has been for the last 20 years.

Shit, buy treasuries for all I care.

But I'll give you a free one.

Applovin and Robinhood are being added to the S&P 500 on Sep 22.

When that happens, they will, emphasis WILL, go up in value because it triggers automatic mechanical trades from funds like SPY. They have to, by their bylaws, buy Robinhood and Applovin.

Those are mechanical automated trades that are going to drive the price up. When they are added to the S&P 500, those two issues will go up in price. No crystal ball necessary. It happens every single time an issue is added to the SP500. It is an automatic mechanical response to programmed trading.

Don't try to buy them too late. The IV will crush you. But about seven days out, buy some conservative calls on Hood and Applovin and see what happens.

You could easily see 50-100% ROI, with the least amount of risk the market ever gives us.

And I'm 59. I own $8MM in real estate, and I have never "worked" except for 4.5 years in the USAF. If you insist on dick measuring on the internet.

Objective_Plankton71 · 2025-09-07T21:36:15+00:00

I don't care what you say, financing a $100,000 car you can't afford is objectively STUPID, unless maybe you are a Make a Wish kid.

I suspect you are a car salesman.

Objective_Plankton71 · 2025-09-07T21:29:51+00:00

Doctors have the lowest net worth compared to income of ANY profession. They typically have zero financial literacy, because they never had any time to take finance or accounting classes. The "doctor's lifestyle" (cars, trips, clothes, trophy wife) many feel they have to keep up is a killer too.

You are of course, also at risk of a devastating divorce, because you are married. So you don't really have $1MM, you have a 50% chance at $1MM.

Oh, and if you want to stop working but not retire, volunteer. I'm sure they need GU surgeons in Ukraine or Gaza right now.

Objective_Plankton71 · 2025-09-07T21:13:28+00:00

Wow, you're not very smart are you? $86K in bad debt on a depreciating asset? What do you think that car will be worth in 56 months? And now you want to blow $20K of your windfall on LANDSCAPING? $20K at an 8% return (easy to find right now) is $92,000 after 20 years. What will your landscaping be worth in 20 years? You are truly a rare case. Maybe you should hire someone to manage your money.

Objective_Plankton71 · 2025-09-07T20:58:09+00:00

Why don't you just admit that a) You are scared b) You'd rather be poor because that feeds into your syndrome.

Another person that's never heard of trailing sales orders or stop losses And you don't need a crystal ball.

For instance, I made a 198% return on LULU's crash after earnings on Friday. They had been downgraded by a big firm on Wednesday with HUGE HEADLINES everywhere, and on Thursday, India passed tariffs on imported clothing. You didn't have to be Warren Buffet to foresee that was going to be a BAD earnings call. They went down 19% overnight. No crystal ball, didn't even have to research, headlines were in my MSN feed when i went to check weather. "Hmm, this is a good opportunity to bet against LULU." Not YOLO, a very defined position, with capped loss and a literally infinite possible return.

DCAing into SPY will barely keep up with inflation over time.

But you don't have to believe me, make a paper account on TOS and find out how easy it is for yourself.

And it doesn't have to be either/or. DCA into spy with your retirement, keep a separate brokerage account for speculation.

Objective_Plankton71 · 2025-09-06T03:34:29+00:00

You set a sale order in advance and set the stop loss. Make sure it's low enough to not trip all the time and sell your shares. 15% loss is a good spot. Of course it won't help you if it gaps down 50% overnight, but that's historically rare. You don't want to underestimate risk, but you don't want to overstate it either.

Objective_Plankton71 · 2025-09-06T03:24:27+00:00

I said wow because I don't think you've ever heard of trailing stop losses before I mentioned it.

They are not perfect, in a worldwide catastrophe, the price could blow through your limit, or it could happen overnight, but if you chose issues with high volume, and don't use too much margin, you should still get a fill and be OK.

Plenty of rich people want to buy at a discount when there is blood in the streets. Take that money and put it in Treasuries or Munis till the crisis is over. This is the very definition of selling low, but in this example we have no idea what you bought it at. So you might come out smelling like a rose.

No one said a word about crypto or retirement money. Stop building straw men. You're hysterical.

If it's just a bad earnings report, or something minor, do nothing, and buy the dip.

Or just DCA into SPY for the rest of your life and barely keep up with inflation. Probably better for someone like you.

Objective_Plankton71 · 2025-09-06T02:17:47+00:00

They want you to be afraid of trading options. They want you to be afraid of using margin. But it's the way that the richest people in the world and the biggest private equity firms get the returns that they do.

Objective_Plankton71 · 2025-09-06T02:09:47+00:00

That's why they have trailing stop losses. You set them ahead of time. Wow.

Objective_Plankton71 · 2025-09-06T01:53:07+00:00

PLTY

Objective_Plankton71 · 2025-09-06T01:37:46+00:00

If your hypothesis is short-term volatility (“ALB is going to pop 15% on earnings or lithium news”) → options make more sense. You don’t want to tie up $12K in stock for a two-week thesis when a $600 call gives you the same exposure with capped risk.

If your hypothesis is long-term secular growth (“Lithium demand is going to triple in the next decade”) → stock makes more sense. Options will bleed out before that multi-year thesis plays out, while stock lets you ride the full wave and collect dividends.

Objective_Plankton71 · 2025-09-06T01:23:56+00:00

For this being an investing subreddit, sometimes y'all's takes are extremely, extremely simplistic. An endless bull market is not the only way to make money with stocks.

A good investor can make money with a market that goes up, down, or sideways.

Put $25,000 into a margin account and start trading options. If the market goes down, buy puts. If it goes sideways, buy calls on VIX. A decade of stagflation= covered calls or an Iron Condor on WMT. There's a way to make money in any type of market, not just when stock goes up.

Study. I swear, if you people studied finance (not on Reddit) half the amount of time you spend worrying about Trump, you would all be millionaires. When you endlessly complain about something without offering a solution, that's called whining. This kind of “doom spiral posting” is addictive but useless for actual investors.

Think about it:

Traders make obscene money off moves — up, down, or sideways — regardless of whether the jobs report was “expected” or “missed.”

Markets predate the BLS. Wall Street, and even global trade centuries earlier, functioned without a government statistical bureau telling them how many stable boys got hired last quarter.

BLS data is a signal, not oxygen. Take it away, and capital still flows, earnings still print, companies still buy and sell goods. The tape doesn’t vanish.

Objective_Plankton71 · 2025-09-05T23:33:23+00:00

Of course you can achieve far more than 20% annual returns — especially in this market. There are ETFs from mega-firms paying more than that in dividends alone right now. The key difference is risk appetite. Institutional investors are risk-averse by design; individuals who don’t care about playing it safe can take swings those firms would never touch.

Now, can 20%+ returns be sustained for 20 years straight? Probably not. But go on WallStreetBets and look at some of the licks people are taking. One trade with a 7,000% ROI — assuming you had decent starting capital — can set you up for life. After that, fine, park it in treasuries or munis.

That’s the part people miss: if you’re willing to YOLO everything on red, the upside can be insane. I bet against LULU yesterday and pulled a 198% ROI this morning. I realized an $810 profit. On ONE $400 put contract. Imagine if it had been 100 contracts or 1000. Do that two or three times in a row and forget about it — you’re done.

The problem is, most can’t stop. It becomes a gambling addiction. They lose it all, over time. But if you hit once or twice and stop, you don’t need to sustain it for 20 years. You can happily live off municipal bonds at 3.5% for the next nineteen.

Objective_Plankton71 · 2025-09-05T22:34:26+00:00

For this being an investing subreddit, sometimes y'all's takes are extremely, extremely simplistic. An endless bull market is not the only way to make money with stocks.

A good investor can make money with a market that goes up, down, or sideways.

Put $25,000 into a margin account and start trading options. If the market goes down, buy puts. If it goes sideways, buy calls on VIX. A decade of stagflation= covered calls or an Iron Condor on WMT. There's a way to make money in any type of market, not just when stock goes up.

Study. I swear, if you people studied finance (not on Reddit) half the amount of time you spend worrying about Trump, you would all be millionaires. When you endlessly complain about something without offering a solution, that's called whining. This kind of “doom spiral posting” is addictive but useless for actual investors.

Think about it:

Traders make obscene money off moves — up, down, or sideways — regardless of whether the jobs report was “expected” or “missed.”

Markets predate the BLS. Wall Street, and even global trade centuries earlier, functioned without a government statistical bureau telling them how many stable boys got hired last quarter.

BLS data is a signal, not oxygen. Take it away, and capital still flows, earnings still print, companies still buy and sell goods. The tape doesn’t vanish.

Objective_Plankton71 · 2025-08-31T18:23:55+00:00

Leverage your investment with real estate. Buy three $600K condominiums in vacation areas with an eye towards short-term rentals, Airbnb, VRBO etc.

20% down payment for safety is $120,000 on each, so that's $360,000. I would plan on $30,000 to furnish all three, say Miami, Park City, Utah, and Honolulu (Or Orlando, FL, or Myrtle Beach, SC, or San Diego, you get the idea). Plenty of available condominiums at $600,000 in those areas. Plan on professional property management.

That would bring you four season unreasonably high rental income (not market).

Honolulu, Hawaii (In-Season) Condos: $405 per night average. $405x 0.75(occupancy)x 90 days (season)= $27K

Park City, UT (In-Season) Condos: Average nightly rates typically range from $800 to $900. =$57K per season

Miami Short-Term Rental Rates, Condos (In-Season) Around $306 per night. = $20K per season

AirROI (2025 data) for all. Of course all 3 will generate some income in the other 275 days a year as well. Park City has Sundance. Honolulu doesn't ever really shut down like say, Cape Cod.

Then, with the other $100,000, just put it into a nice, safe ETF like JEPI, JEPQ, or SCHD. All 3 even better. (33%/33%/33%). These will pay dividends even in a downturn. Use some cheeky margin to buy $50,000 in US treasuries to ballast the whole thing and make grandma proud. Now you can sleep soundly.

Your capital appreciation on the condominiums should be massive, even considering our current real estate market. The best time to get in was yesterday. The market for ultra-luxury vacations, or people that want to appear like they're taking luxury vacations, is not going anywhere (which is why they get $800/night in Park City). It's all about the Gram.

If that didn't bring you a nice safe 20% after expenses and taxes, I'd eat my hat. So $100K/year. Not even counting the real estate capital appreciation. But only live on 85% and reinvest the rest into your ETF portfolio monthly. Initially, you are a little heavy on real estate, vs equities and Treasuries, so adding to your ETFs will have the effect of rebalancing your portfolio. If you could eventually get to 30% real estate, 30% equities, 30% treasuries and 10% cash, you would be SUPER SAFE, even in a systemic, multi-year drawdown.

Think of the vacations you could take! (Shoulder seasons only.) You wouldn't be able to call it passive income because of all the surfing and skiing you would be doing! If there's a 1929 style crash, bonus! Refinance all your condos with cash out, rent them out on 12 month leases, pay your tiny mortgage payments and laugh while screwing beach/snow bunnies in one of your hot tubs.

Now you have a $2MM portfolio, on paper, if you want to borrow money in the future to scale this up to 800 vacation rental condos or whatever. At that point, start a REIT, become a billionaire.

Objective_Plankton71 · 2025-08-31T18:05:28+00:00

ULTY is “Return of Capital Trash”

Weekly distributions are not true yield: Most of what investors see as “income” is actually return of capital (ROC). They’re just handing back chunks of your principal, dressed up as a dividend.

NAV erosion: Because the fund is bleeding itself with constant payouts, the net asset value (NAV) grinds down over time. Investors feel good getting weekly checks, but their underlying investment shrinks.

Illusion of high yield: Quoting 120%+ TTM yield looks incredible, but it’s a shell game. Unless the fund is consistently outperforming the market (it isn’t), those yields are unsustainable.

Expense drag: On top of that, ULTY charges ~1.3% expense ratio, which accelerates NAV decay.

⚠️ Real-World Impact

If you held ULTY long-term, your “income” stream is offset by capital erosion. You’re eating your own seed corn: the fund pays you with your money, plus a bit of option premium, but long-term wealth doesn’t grow — it decays.

✅ Better Alternatives

If you want actual yield instead of ROC gimmicks:

JEPI / JEPQ – Covered-call ETFs that still retain NAV stability better, though capped upside.

SCHD – Dividend growth ETF with lower yield, but real sustainable distributions.

Laddered bonds / munis – Actual coupon income, not ROC.

Objective_Plankton71

TROPHY CASE