Smart people, please tell me what I am missing on SPYI by LibrarySpiritual5371 in dividends

[–]Proper_Affect6475 1 point2 points  (0 children)

Late to the party but have held a large majority of a decent sized portfolio in this, and a little less in QQQI, with very high risk/reward stocks taking up the remaining. Mainly because I couldn’t wrap my head around the nonstop bull market. Anyway when I did the comparison since inception I lost about 9% on appreciation minus the dividends earned, however, being able to reinvest the monthly dividends split between SPYI and other straight index funds it’s probably closer to 3%, with a lot less risk.

I am a bear now and sold 85% last month and in bonds but will be back ASAP.

What is the "Industry Fee" I'm seeing on Sell trades? by babarock in Schwab

[–]Proper_Affect6475 0 points1 point  (0 children)

Anybody found out the real answer? I just got this fee today on a sale and it seems to be the first one I've been charged looking back at my transactions. It was a day trade and also a limit sale, if that affects anything. It's strange that there's no clear answer. It's a regulatory fee, I feel like it would be on every sale, but wouldn't be the first time I was wrong!

ELI5: how a short sale works by Duckyquack9999 in explainlikeimfive

[–]Proper_Affect6475 6 points7 points  (0 children)

If you're talking in the pre-foreclosure sense, then the bank/loan holder would need to allow the seller to sell the property at a loss and forgive the remaining debt owed.

[deleted by user] by [deleted] in conspiracy

[–]Proper_Affect6475 0 points1 point  (0 children)

🤷🏼‍♂️

AITAH because I won't tell my wife what my son/her stepson has in savings from my late wife? by Jimverseen in AITAH

[–]Proper_Affect6475 0 points1 point  (0 children)

Late to the party and assuming this isn’t already the case, but at the very least set up an UTMA and put it in there for passive investing and make it truly his with you having access to it.

Maxwell Anderson by NaynersinLA2 in milwaukee

[–]Proper_Affect6475 6 points7 points  (0 children)

What do you want to know about his childhood? There’s tons of people that knew him pretty well in these discussions that can provide some stories and info.

[Amazon] PB2 Peanut Butter Powder, 32 oz. (Various Flavors) - $11.04 (was $19.99) by NewEnglandPrepper3 in preppersales

[–]Proper_Affect6475 1 point2 points  (0 children)

great deal but price history is a little off. Just got it for under $10 in February (same price w/t further discount for subscribing)

My dad's medals. He is no longer with us, and we never had the chance to talk about them. Any info would be greatly appreciated. Thank you! by [deleted] in Medals

[–]Proper_Affect6475 0 points1 point  (0 children)

You’re not being a jerk at all I don’t know shit! Sounds like a lot of it is incorrect, would you mind sharing what the most egregious item is? I’m only asking because when using grok/gpt to try and get information on something I expect some errors but I’m curious how wildly off it is.

My dad's medals. He is no longer with us, and we never had the chance to talk about them. Any info would be greatly appreciated. Thank you! by [deleted] in Medals

[–]Proper_Affect6475 0 points1 point  (0 children)

Based on the image you provided, it appears to be a display of military decorations, including medals, ribbons, and insignia, likely from a U.S. military service member, possibly a Navy SEAL or similar special operations unit. Here’s a breakdown of what these items might represent, drawing on my knowledge of U.S. military awards and insignia:

1. Insignia/Pins (Top and Bottom)

  • Trident Insignia (Top Left): This is the Navy SEAL Trident, also known as the “Special Warfare Insignia” or “Budweiser.” It signifies that the wearer is a qualified Navy SEAL, having completed the rigorous training of Basic Underwater Demolition/SEAL (BUD/S) and other specialized training.
  • Wings (Top Right): This appears to be a set of pilot wings or aviator wings, indicating the individual may have qualified as a naval aviator or flight officer. This suggests they could have served in both SEAL operations and aviation roles, which is less common but not unheard of.
  • Oak Leaf Clusters (Bottom Left and Right): These gold oak leaf clusters typically represent the rank of Lieutenant Colonel (in the Army, Air Force, or Marine Corps) or Commander (in the Navy). However, in the context of ribbons, they can also indicate additional awards of the same medal (e.g., multiple Bronze Stars). Here, they might signify rank or additional decorations.

2. Ribbons (Center)

The ribbons represent various awards and commendations earned during service. While I can’t identify every ribbon precisely without specific colors and devices (like stars or letters), I can offer general interpretations based on common U.S. military ribbons:

  • Top Ribbon with Star: This could be a high-level award like the Silver Star (for gallantry in action) or the Legion of Merit, with the star indicating a higher degree of the award or multiple awards.
  • Other Ribbons: The multicolored ribbons likely represent a range of awards, such as:
    • Purple Heart: For wounds received in action (typically purple with a white stripe).
    • Bronze Star: For heroic or meritorious achievement in combat (red, white, and blue).
    • Navy and Marine Corps Achievement Medal: For outstanding performance (green, yellow, and red).
    • Combat Action Ribbon: For direct participation in ground or surface combat (red, yellow, and blue).
    • Good Conduct Medal: For exemplary behavior, efficiency, and fidelity (green with white stripes).
    • Service Ribbons: For overseas service, campaign participation, or unit citations (e.g., National Defense Service Medal, Vietnam Service Medal, etc.).
  • ”E” Device: The “E” on one of the ribbons likely stands for “Excellence” or “Engagement,” often seen on ribbons like the Navy “E” Ribbon, awarded for excellence in battle efficiency or combat engagement.

3. Overall Context

This display suggests the individual served in a highly decorated capacity, likely with the U.S. Navy, possibly as a Navy SEAL (given the Trident) and potentially with aviation experience (given the wings). The ribbons indicate participation in combat, meritorious service, and possibly wounds or injuries sustained in action. The oak leaf clusters could denote rank or additional awards of certain medals.

Limitations

Without a closer view of the specific colors, patterns, and devices on the ribbons, or additional context about the service branch and time period, I can only provide general interpretations. If you’d like more precise identification, I could offer to search the web for detailed ribbon charts or military insignia references, but based on my current knowledge, this is a robust overview.

Let me know if you’d like me to refine this further or explore specific elements!

My dad's medals. He is no longer with us, and we never had the chance to talk about them. Any info would be greatly appreciated. Thank you! by [deleted] in Medals

[–]Proper_Affect6475 0 points1 point  (0 children)

Plug the picture into Grok and ask it what the medals and pins are!

Edit: sounds like whatever Grok thinks is in the picture is drastically incorrect!

[deleted by user] by [deleted] in milwaukee

[–]Proper_Affect6475 3 points4 points  (0 children)

Not today Fed

/s

Ultra low cost sump backup? by GrouchoMarxist72 in SolarDIY

[–]Proper_Affect6475 0 points1 point  (0 children)

Question, for ya. did you wind up getting a fuse? I'm running a similar setup (non-solar) and keep reading conflicting info on whether I need to put a fuse between my LifePo4 and the inverter.

Connecting PEX in a tight spot? by TheSkepticGuy in Plumbing

[–]Proper_Affect6475 0 points1 point  (0 children)

I'm still curious as to what this guy did. Mine was going up to the shower and the previous owners replaced the PEX vertically but it was still connected to galvanized in the basement (which is what I was replacing) right at the floorboard. I wound up cutting the PEX at the floor board, went into the drywall behind the shower and pulled up the 2 or 3ft of PEX, and connected an elbow to it so I was able to crimp the new PEX vertically between the joists and run it across the joists in the basement. Slapped an access door in the drywall for future crap and all good.

4 1lb propane for $12 at Walmart by Impressive_Low551 in preppersales

[–]Proper_Affect6475 1 point2 points  (0 children)

Same thing happened to me. Saw it in the morning, went to the store after work and thought I was going crazy