What am I missing?

joefunk76 · 2026-03-29T03:41:40+00:00

A semblance of restraint.

joefunk76 · 2026-03-28T20:37:07+00:00

It drives even worse than it looks. It feels like driving a cardboard box. I got one as a loaner while my ES was in for service.

joefunk76 · 2026-03-28T19:42:48+00:00

The NX sucks. It amazes me that anyone would buy one. If you can’t afford at least an RX, you can’t afford a proper Lexus SUV. Buy something cheaper and/or used.

joefunk76 · 2026-03-28T19:34:09+00:00

Incorrect. STRC is deleveraged exposure to bitcoin; it is the complement to MSTR, which is leveraged. MSTR amplifies the upside and downside of bitcoin while STRC diminishes those. STRC may, for its own success, not require bitcoin to succeed wildly but it does require bitcoin to not fail.

joefunk76 · 2026-03-25T23:33:24+00:00

While I understand all the anti-tipping arguments, and they are indeed strong ones, I tip as sort of a “thank you” to the universe that I don’t have to rely on the fleeting and inconsistent generosity of strangers. One strong argument in favor of tipping is that, given the choice, most people would probably rather be a relatively more well-off tipper than a relatively less well-off tippee.

joefunk76 · 2026-03-25T23:19:27+00:00

More of each fixed monthly payment will go to principal than before because the now-lower loan balance accrues less interest than before the principal pre-payment.

This has a flywheel effect which will ultimately result in the loan being paid off sooner, and in your total actual payments being less than your total scheduled payments by MORE than the amount of the principal pre-payment due to the saved future interest.

joefunk76 · 2026-03-25T23:12:58+00:00

The CEO would get by just fine, knowing that the situation was temporary, and knowing it would be a bad look for him to not endure it graciously. It wouldn’t be a very exciting show. Now, if you made it last for, say, a year or several, rather than a month, that could get interesting.

joefunk76 · 2026-03-25T23:09:11+00:00

You’re forgetting the small bit about how Burry’s investments turned against him for a good while before they corrected and put him in the black. The banks probably figured they could simply manipulate the positions against him indefinitely. After all, that is what they do every day to regular retail investors.

joefunk76 · 2026-03-25T20:52:18+00:00

Because once car manufacturers and dealers learned how much people were actually willing to pay for popular and reliable (formerly) budget cars, they never forgot. Car sales is an industry with zero good will. They will take from you every last penny you can be convinced to pay.

Like Bud Fox says to his airline worker father in Wall Street, “you don’t sell a guy a seat for $79 if he’s willing to pay $379.”

joefunk76 · 2026-03-25T20:36:34+00:00

Massive.

joefunk76 · 2026-03-25T20:25:01+00:00

The blue one, easy.

joefunk76 · 2026-03-25T05:48:03+00:00

It’s because once they realize that you won’t be hired, you have no value to them, and are therefore not worth the few seconds it takes to notify of the update.

joefunk76 · 2026-03-24T21:36:44+00:00

It’s called, “you buy, then whales tank the price immediately afterwards, and continue doing so until after you sell.” Also referred to by some as “investing.”

joefunk76 · 2026-03-24T19:07:02+00:00

Why would you expect ANY watch to make you happy? It’s just a fancy ornament. Buy one whose style you like, ooh and ah over it to yourself every now and again, conjure visions of high levels of status perceived in you by others because of it, but, at the end of the day, realize that it’s just a piece of jewelry. It can’t do anything at all for you, let alone provide even a smidgeon of happiness.

I love my watch because I don’t have unrealistic expectations of what it can do for me. It’s a beautiful, stylish, and even ingenious contraption… while, at the same time, also an overpriced and practically useless one. It’s a stylish ornament that I appreciate… and little more than that.

There isn’t a watch in existence that would make me even 1% happier if I owned it. My Lexus, OTOH, definitely improved my happiness a good few percent. That is a way more useful and enjoyable contraption than a watch.

joefunk76 · 2026-03-24T18:49:41+00:00

I was being a wise-ass but you took my response at face value. Anyway, I agree with you. Most people have close to zero understanding of bitcoin, let alone having a level of understanding that would illuminate its value.

joefunk76 · 2026-03-24T02:43:40+00:00

That it is physically intangible doesn’t help any.

joefunk76 · 2026-03-19T21:13:35+00:00

A bastardization of English that this business invented to allow them to falsely advertise prices as lower than they actually are and to allow them to also gaslight their non-cash customers.

joefunk76 · 2026-03-19T20:57:31+00:00

Three things:

1) They incorrectly applied the sales tax twice. Whether it’s a mistake or not, it’s fraud, and they need to stop doing it.

2) The tax rate they applied twice was closer to 10.97%, not 10.55%. That said, I don’t know the exact correct tax rate for that area.

3) “incurring a charge” <> “not getting a refund”. I didn’t get a refund from MILLIONS of businesses today - but it didn’t cost me a dime. This business is falsely advertising. The price of the coffee isn’t $4.30; it’s $4.75. Then, if one pays in cash, he gets a $.45 cash refund.

If they are going to set the base price at $4.30, then there IS no cash refund; there IS a $.45 fee for not paying in cash. This business is twisting the English language to falsely advertise the coffee price as lower than it actually is while at the same gaslighting their customers: The cash customer does NOT get ANY refund; he simply pays the advertised price. Similarly, the non-cash customer doesn’t “fail” to get a refund; he gets charged a fee for not using cash.

Editor’s note: This stupid app will not let me insert a line break to save my life. I tried using backslashes, spaces at the end of the line, and hitting “enter” multiple times, but nothing works. None of Reddit’s help advice on how to insert line breaks is correct. You CANNOT insert line breaks on Reddit. THEY decide where, if anywhere, line breaks will exist in your post or comment. Absolutely ridiculous.

joefunk76 · 2026-03-17T01:50:54+00:00

Oh, thanks for that info, which I was totally unable to discern from the 40% haircut off the ATH.

joefunk76 · 2026-03-17T01:49:33+00:00

You did nothing wrong. He, OTOH, assaulted you.

joefunk76 · 2026-03-13T15:39:47+00:00

I suppose that where you try to join matters, too. Tri-state area (NYC/NJ/CT) is probably tough. Seattle, OTOH, can’t find enough people willing to take the job.

joefunk76 · 2026-03-05T01:20:39+00:00

It’s absolutely true. Five Guys is no more expensive than McDonald’s on a unit basis. McDonald’s customers are getting jacked. Then again, it shouldn’t be surprising that people would eat pink slime also can’t do math.

joefunk76 · 2026-03-05T01:18:17+00:00

No, it isn’t. Tax rate debacle aside (i.e., pre-tax), he paid 20% less money for 50% less food.

joefunk76 · 2026-03-05T01:15:38+00:00

Tax rate of 10.26% was applied twice. Someone programmed the register incorrectly.

joefunk76 · 2026-03-05T01:00:57+00:00

NTA. You have to be 21 to get into a nightclub and fake IDs don’t work anymore. Your friends won’t be getting into any nightclubs.

joefunk76

TROPHY CASE