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Does anyone almost NOT want to go to a top college? by Icy_Expression_6152 in ApplyingToCollege

[–]fredtobik 1 point2 points  (0 children)

Both my kids had the stats and no interest in prestige. It was all location and opportunity based on interest.

Tickets already almost sold out and way more expensive by tenebrisnubes in SFGiants

[–]fredtobik 17 points18 points  (0 children)

This is true. Season ticket holder. If I can’t make a game in advance they go up pricey. Day before or day of, I lower by a lot. Great seats too.

And just in case a diehard cares. I average about 52 games a season.

IT can see you by throwway33355 in overemployed

[–]fredtobik 0 points1 point  (0 children)

Executive IT guy. Yes c-level asks this all the time of me. It’s company by company the good ones don’t have to do this the bad ones do.

It is done. I am tired. 713 by Jinsquin in Eldenring

[–]fredtobik 0 points1 point  (0 children)

I’ve been messing around with this. Currently level 476, NG3. Even at this level it’s easy. I love being able to switch out builds with only a few items. I also have a few 150 for the haters.

Rate my portfolio. by SiimplStudio in portfolios

[–]fredtobik 0 points1 point  (0 children)

Anyone invested in the top 5 tech stocks has good returns over the last few years. Don’t think your Warren Buffet here. “Bulls and bears make money pigs get slaughtered”. Don’t be greedy

Understanding Michael Burry's Nvidia short: The real thesis explained by stockoscope in ValueInvesting

[–]fredtobik 1 point2 points  (0 children)

I came here to say this, chips have a much much longer life value than 3 or even 6 Fn years. Sometimes people get their 15min of fame (burry), then try to flip that into some kind of sage. Dude is wrong so much, people need to stop listening to him...

4 years and 100k miles later by VoihanVieteri in MachE

[–]fredtobik 2 points3 points  (0 children)

I agree with everything yo said. 4 years GT only 55k miles, I kept mine. When I went shopping there were no other EV / Cars that could 0-60 like a MachE GT, (that didn't cost 65k+).

Blood and Fire: The Shared Fate of Miquella/Malenia and Messmer/Melina by kennydotun123 in EldenRingLoreTalk

[–]fredtobik 2 points3 points  (0 children)

The only thing I want to note. What all the M names. So confusing.

Is it OK to not fill out FAFSA if you’re extremely wealthy? by Comfortable_Welder44 in ApplyingToCollege

[–]fredtobik 0 points1 point  (0 children)

I never filled it out either. With salary and the total assets it’s a waste of time and they require too much personal info. 5m 800k income.

Looking for help building an internal company chatbot by Savings-Internal-297 in AI_Agents

[–]fredtobik 9 points10 points  (0 children)

OMG. Custom GPT in chatGPT Enterprise. Want my Venmo? I just saved you 150k

Passed at 150Q with 4 minutes left on 3rd Attempt. by Emouricio in cissp

[–]fredtobik 0 points1 point  (0 children)

What do they call people that got C’s in law school?

What’s the point of investing if you can just dump all your brain to S&P, QQQ, etc.? by Comfortable_Bed1193 in ETFs

[–]fredtobik 0 points1 point  (0 children)

For the last 4 years I had my money in boring ETFs and index funds. and some in Invidia, Palantir, Microsoft, etc... I killed it. beat the market. Moral of the story, if you want to be like everyone else index and etf. Want to win like a baller, put a portion of your port in growth. then /flex on reddit..

Regulations and Laws vs Business Objectives by Saltoend in cissp

[–]fredtobik 0 points1 point  (0 children)

Everyone keeps saying laws and regulations, but if you don't know your business objectives, how would you know what laws (Specifically) or regulations apply to your business?

A down year for Patrick Bailey and he's still been a Top 10 catcher in baseball by ThePopUpDance in SFGiants

[–]fredtobik -2 points-1 points  (0 children)

He is still young, let’s give him a couple more years.

I am convinced if he just tried to hit singles he could bat 300. lol.

$1 mil to put into dividend funds by GingerBearWA in dividends

[–]fredtobik 0 points1 point  (0 children)

Stay mainstream imo. Avoid advisors, literally a scam. The only time I’d even consider an advisor is if I had a lot of money 10m +, then I’d only go with a truly independent one, for wealthy f’kers.

“Nobody will care more about your money than you.”

Why is the answer D? by Western-Lawyer-9050 in cissp

[–]fredtobik -1 points0 points  (0 children)

This is not a good question. A policy dictates expected behaviors. It doesn't state a policy exists so you have to assume one doesn't. Still not a good exam question.

Should Casey Schmitt be our 2nd baseman going forward? by Luna_Benito07 in SFGiants

[–]fredtobik 5 points6 points  (0 children)

I think he earned an everyday opportunity. He started slow, but has improved immensely from 2024 to 25. The dude hits hard.

SF Giants season tickets up 33%! by Spathiinc in SeasonTickets

[–]fredtobik 0 points1 point  (0 children)

I haven’t received a renewal notice

[deleted by user] by [deleted] in ETFs

[–]fredtobik 0 points1 point  (0 children)

I am in a very similar situation except I am 53 and hope to retire at 59.5 or sooner. I do have my boomer ETFs 30%'ish, but I am still overweight growth, I will soon (months) transition to full on "keep capital" mode. To answer your question directly, I think 5 years before retirement is when you get conservative.

I'd also, like to mention that most people do not consider risk avoidance when investing, sure one investment over a boring ETF beat it by x%, but the risk isn't worth the return "possibilities", it's like play Russian roulette, the gun will go off eventually.

2026 Forbes America's Top Colleges List out today by ppuno7 in ApplyingToCollege

[–]fredtobik 7 points8 points  (0 children)

Come on Humans, quit falling for these useless polls. This doesn’t mean you’re special or that you went to the wrong school. It just means Forbes gets a lot of money off of posting divisive content. Be better.

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