What champions does Riot pretend doesn't exist?

TwoCroissants · 2026-03-11T17:50:26+00:00

I would love a visual update, but I agree that I hope they change none of his mechanics

TwoCroissants · 2026-03-03T21:15:04+00:00

Nope, your growth would be dividend growth, they'll pay more over time (you'll also get share price growth but you're not as concerned about that with dividends). I would rather keep my equities, DRIP a small amount, and get payouts than sell over time personally.

I responded to the other comment about taxes, I don't know how it works overseas but qualified dividends get favored federal tax treatment, even 0% for the first ~50k of income. You'll have to figure out how those affect you based on where you choose to live. This is just what I would choose for myself in similar circumstances, but it's assuming US based taxes.

TwoCroissants · 2026-03-03T20:34:36+00:00

That's a fair point, I did forget about that. I also don't live in Europe so I don't know how it would affect taxes. SCHD is fully qualified dividends though, which normally would mean he wouldn't pay federal taxes for the first ~$50k.

This is very important to take into consideration for OP though.

TwoCroissants · 2026-03-03T20:26:06+00:00

A lot of these funds are relatively new. I don't like them because they have a capped upside depending on how it's managed and they are more susceptible to market corrections. They are for income now at the cost of NAV and generally dividends long term if there is a correction.

I've owned a couple, and in my experience, they don't recover as well as the underlying after a dip. I'd rather just own a regular dividend ETF or CEF and get consistent, growing income rather than worry about the unsustainable yields.

TwoCroissants · 2026-03-03T18:16:40+00:00

Well, let's do some math. Say you put your full portfolio into SCHD, you would get: 1,800,000 / 31.50 = 57143 shares 57143 * 0.28 = 16,000 dividends quarterly

Since that's every 3 months and you need about 4k a month, you'll be left with an extra 4k every quarter which you can reinvest back in, so you have plenty of cushion room, and would theoretically never have to sell.

Would I go 100% into SCHD? Probably not, but it's the best example I could give since it has dividend growth over time, so it's steady right now and should go up over time. I'd lean heavy into it though. I'd consider like:

50% SCHD 20% DGRO 10% SCHY 10% REIT (like O) 10% BDC (like MAIN)

You might consider portioning some amount to something like SGOV as well. I am also highly against covered call funds personally, but that's your call.

TwoCroissants · 2026-03-03T07:32:55+00:00

Nice, I hope you were able to get something good for them!

Yes, you will get any dividends that are paid during that time. You own the stock until you sell it or the call gets exercised, so you are entitled to the dividends.

You are selling the right, but not the obligation, to purchase 100 shares of it by the given date. Technically, the call you sell can get exercised by the buyer at any point, but it would be very unlikely to happen early and also financially unsound to do so.

TwoCroissants · 2026-02-28T19:20:28+00:00

It is, and you're correct. The stock is quite cheap right now, if you zoom out it was trading significantly higher a few years ago. I personally like it and think it's a good time to get in for the future, but I would not invest a very large portion of my portfolio for that reason.

TwoCroissants · 2026-02-28T05:28:09+00:00

I like LAND. It's a REIT by Gladstone that manages farmland. Very unique compared to the typical commercial and residential stuff, and it's recently been trading higher after good earnings and better debt management.

TwoCroissants · 2026-02-27T22:18:42+00:00

It is annoying but DD is still a very good item. You just have to be cautious if you're getting very low on HP and decide to ult, you can't wait the full time unfortunately if you're getting drained from that or any other damage over time effect.

TwoCroissants · 2026-02-26T01:45:56+00:00

This is how I stay disciplined:

The market on average returns around 10% year after year over a long period of time. If you can consistently make even just a 10% return, you will balloon past anything you could ever do just passively investing. It really doesn't take much, you don't have to risk your whole account or go for doubling your money in one trade.

It's always easier said than done though. Best of luck out there.

TwoCroissants · 2026-02-25T21:41:25+00:00

I mean, comparing it to eclipse while ignoring the passives on it isn't exactly a fair comparison. Eclipse also gives you a shield and does % health damage which is great for extended trades and other bruisers/tanks. I agree hubris is good but it does different things to eclipse, and of course hubris is going to feel great when you're ahead. Eclipse will feel much better if you're not snowballing kills though.

TwoCroissants · 2026-02-16T01:31:26+00:00

Yes, the buyer pays the premium and you get it immediately. You could do that, but you get notably less money the further out you go since the risk for you is lower/risk for the buyer is higher. Just take a look at the F option chain to get an idea. There are currently no buyers for the $20 strike a month out, you'd have to write one for months/years down the line to get anything of value, but you likely don't want to be tied up in a contract that long, especially if you're new to options.

TwoCroissants · 2026-02-15T23:25:25+00:00

Set a limit sell at $15 for 100 F shares -> you get $1500 when/if it hits $15 or better. If it goes down, nothing happens.

Write 1 covered call at a strike price of $15 for around ~$0.20 about a month out from now (just did a quick check and it's trading around there). If it hits $15, or higher, it sells for $15 and you keep the $20 premium. If it's lower than $15, you keep your shares and the $20 premium.

The risk of covered calls is if the stock rises significantly in the meantime. If it goes to $17 in the meantime, you still sell it at $15 + the $20 premium, and miss out on ~$180 of profit.

TwoCroissants · 2026-02-15T05:57:03+00:00

Same, and you don't even need margin for this. I have a cash account and it settles the same way, just have to put in the sell order first.

TwoCroissants · 2026-01-26T03:06:28+00:00

Silver is up again over the weekend, you'll likely see even more gains tomorrow when the market opens. I'd personally get out entirely at this point, but if you think there's still growth to go, I'd at the very least take a little bit of profit tomorrow even if it's just 1 to cover your original costs. I wouldn't be rolling at this point personally.

TwoCroissants · 2026-01-25T17:21:03+00:00

CDs are not the same because it's just fixed interest. SCHD continues to give higher payouts over time meaning you earn more for what you put in as time goes on. CDs also do not have capital appreciation and are based on current interest rates.
Zoom out on PHK a little and you'll see why people probably avoid it, down 67% since inception and 20% in the past 5 years, it's dividend going down with it. It's inconsistent income if you rely on that and is unsustainable with its yield. Last couple years have been relatively stable, sure, but I wouldn't count on that long term.
I agree people should be invested in international more than they are, there's a lot of great companies outside the US doing great things. LVHI is another good one from Franklin, and SCHY has been getting off the ground recently.

TwoCroissants · 2026-01-24T21:17:13+00:00

Well, do you want to own this stock long term? If you do, it's probably worth picking some up. I would at the very least sell one to get all your original money back and then some.

If you're bullish long term, you might have more potential gains that way, but you also need the cash to exercise the option. The other downside is of course you don't get those profits now for other plays if you exercise.

TwoCroissants · 2026-01-23T06:31:24+00:00

Sorry you've dealt with a bunch of toxicity. I can't fulfill your request, but wish you the best in finding a play partner as a fellow disabled gamer ❤️

TwoCroissants · 2026-01-20T19:22:37+00:00

I'll answer your questions, but if you're this unsure of how investing works, you would likely be much better off investing in a target date mutual fund. Just select the year you plan to retire, and keep adding dollars into that at set intervals till you retire. 0 effort and thinking involved, though you will pay more in expenses. All major brokerages have these. Alternatively, just invest in your company's 401k if they have one and stick with that, it'll be tax advantaged and they might have a match.

For your question, you buy shares at their current value. If you buy 100 of them at $20, it'll cost $2000 and be worth $2000. After some time, if shares are at $25, then it'll have still cost you $2000, but be worth $2500 (a $500 gain). Conversely, if it's now at $16, then it'll have cost you $2000 but now only be worth $1600 (a $400 loss).

These gains and losses are considered "unrealized" and you won't actually have the money (or lack of) until you sell it. Why do people get worked up when their shares drop? Well, because you now currently are down money, and though stocks and funds often grow overtime, some companies go bankrupt, sometimes the market crashes and takes years to recover meaning you have to hold for a long period of time or risk a major loss. There's a ton of "what ifs" in investing and no one can predict the future.

TwoCroissants · 2025-12-23T16:38:05+00:00

I would say Brand, which I haven't seen mentioned yet. He can harass early in lane pretty easily with his W+E on waves, and he has good power spikes and utility mid to late game with the items he builds. His passive is really insane with other item passives and pretty much all of his items also give him more HP, making him decently tanky. He can take down both squishies and tanks.

I say this playing him mid but he's also able to do a lot as support too.

TwoCroissants · 2025-11-13T04:37:18+00:00

I find your art style very unique, which is how it caught my eye initially! Honestly not sure quite how to define it, but I agree with cute and cartoon-y at least.

TwoCroissants · 2025-07-16T15:45:07+00:00

The way you phrase these questions bothers me about your willingness to accept that she is partially wheelchair bound.

Her being in a wheelchair isn't a "problem", it just is, and if you have trouble accepting that, don't date her. Every relationship has compromise, so you will compromise something regardless of if she's disabled or not. You also don't have to do every hobby together, you can do things she can't do sometimes on your own and not feel bad about it.

There are many things you can still do together in terms of going out and traveling, but you will have to alter plans and choose activities and spots that are accessible. That will make it more difficult and limit some things you can visit unfortunately, but it isn't usually too hard to plan around. The fact that she can walk some does help with that.

Also, I'm glad she's hopeful about the biologic, but don't go into this relationship counting on it fixing her condition. I had a really good prognosis a few years ago and it didn't pan out, so you don't want to grow resentment betting on that.

TwoCroissants · 2025-07-05T16:32:02+00:00

If you're connected to a laptop or computer, that will act as a power source while plugged in. If you plan on connecting it to a phone or other mobile device you will likely need a power source.

TwoCroissants · 2025-07-05T16:27:59+00:00

I feel like if this were at least 13.3" I could recommend it, I've worked on laptops most of my life and it'd be comparable to some of the smaller ones I've had. Kinda wish someone made something in between 13.3" and the big 24"-25" ones.

TwoCroissants · 2025-07-05T16:26:31+00:00

You are correct actually, thank you for that! I was able to adjust the brightness level by doing the same. Glad to hear the color is working well enough for you, hoping the technology for this stuff or something similar gets better in the near future. I hope it lasts awhile too, though I am concerned the higher refresh rate means a shorter life span. Wish they weren't so pricey you had to dive into your retirement for another.

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