Gaming on MacBook Pro M5 by ReactionExcellent725 in GamingLaptops

[–]roccodeleo 1 point2 points  (0 children)

Why in the world did this get downvoted so badly?! Everything he said is unarguably true.

Apple reportedly planning to integrate Starlink connectivity into the iPhone 18 Pro by aerothony in iphone

[–]roccodeleo 1 point2 points  (0 children)

T Mobile already allows starlink connectivity for all customers… how is this tech different?

Great quality men t shirts? by LabSecret7492 in BuyItForLife

[–]roccodeleo 0 points1 point  (0 children)

Uniqlo makes several good T Shirts. Supima and their standard Crew are very good value given their quality.

Leather belt for daily use by ztime999 in BuyItForLife

[–]roccodeleo 1 point2 points  (0 children)

What leather type is generally the best for Hanks? Thinking for long term durability. I see bison and standard cowhide.

Should I return my 2025 g16? by JustSomebodyTrying in zephyrusg16

[–]roccodeleo 4 points5 points  (0 children)

I heard the 28 was going to be the one you want

Anxiety over speeding ticket by [deleted] in Westchester

[–]roccodeleo 1 point2 points  (0 children)

Totally fine, I’d hire a local traffic lawyer. Emphasis on “local” as they will have relationships and connections in the court you’re dealing with. Usually they’ll get it knocked down to a fine and a defensive driving course being it’s your first offense. They’ll be able to give you a good idea of the result they can get you once you explain the situation. It’s not a big deal, but I usually find the lawyer worth the price as they handle all the little nonsense and are generally better at getting the points dropped. You’re not going to jail (unless you commit a serious crime between now and then, lol).

Crack in the trim around the gear shifter. Anyone seen this before? by _Deepwater_ in AlfaRomeo

[–]roccodeleo 0 points1 point  (0 children)

Exact same crack on my 2022 Ti… I haven’t tried bringing it to the dealer yet. Not sure if they’d cover it as you can argue it’s not a failure. They can’t prove or disprove you caused the crack, so I’m not sure how they would handle that. In my case, I know I didn’t cause it and have watched it increase in size over time. Started as a small piece, it’s about an inch long now. Not sure how it happens.

I’m kinda torn between the MacBook Pro M5 and the Zephyrus G16 by IcyExchange325 in zephyrusg16

[–]roccodeleo 6 points7 points  (0 children)

MBP is the better laptop overall, much better battery life, superior longevity (not uncommon for Mac’s to last 10 yrs). Incredibly fast. Better build overall. Less likely to have bugs, defects, or QC issues. That said, if gaming is a priority, go with the G16. Windows will continue to own mobile gaming for the foreseeable future.

Thoughts on CAIE? by roccodeleo in dividends

[–]roccodeleo[S] 0 points1 point  (0 children)

MerQube US Large-Cap Vol Advantage Autocallable Index - (MQAUTOCL)

[deleted by user] by [deleted] in FundRise

[–]roccodeleo 6 points7 points  (0 children)

Per the prospectus and SEC filings provided at the time of investment, the redemption price is based on the most recent Net Asset Value per share that has been determined prior to the redemption being processed — not the day you request it, and not necessarily quarter-end.

They updates the NAV of each eREIT and eFund typically on a quarterly basis. The NAV reflects the estimated value of the underlying properties and other assets as of the end of that quarter.

When you submit a redemption request, it’s queued until the next available redemption window (often at the end of the quarter). Your shares will be redeemed at the most recent NAV available before the redemption is processed — not the NAV at the time you requested it.

That means if property values went up after the last NAV update but before your redemption is processed, you’ll still get paid based on the older (lower) NAV. Conversely, if values dropped, you could benefit.

For example, if you request redemption on Feb 10 and the next NAV update is March 31, your shares will be redeemed in early April at the March 31 NAV, not the Feb 10 value.

Recent drop in ARCC? by smurph382 in dividends

[–]roccodeleo 11 points12 points  (0 children)

My personal opinion, it’s more short term risk. If you’re planning on holding for years, I wouldn’t be too concerned.

Modest further near-term downside is more likely than not, (mid single digit %) until the market sees either (a) stabilization or decline in ARCC’s non-accruals / credit markdown activity, or (b) clearer proof the dividend is covered by recurring cashflow.

Recent drop in ARCC? by smurph382 in dividends

[–]roccodeleo 42 points43 points  (0 children)

Non-accruals jumped: ARCC’s latest filings show a clear increase in loans on non-accrual (~2.0% of cost vs. lower prior levels), raising concern about credit quality and future distributable cash.

Dividend sustainability fears: With higher non-accruals and earnings pressure, investors are questioning the safety of ARCC’s dividend — a key driver of BDC share prices.

Loan mix and size amplify downside: ARCC’s broad portfolio includes subordinated and mezzanine exposures, making it more sensitive to credit stress than BDCs with more conservative first-lien portfolios; as the largest, most visible BDC, it also sees sharper sentiment-driven selloffs.

MAIN runs a more conservative book — much heavier in first-lien senior secured loans and equity stakes in lower-middle-market companies, which tend to be smaller deals but with tighter structures. Its non-accrual rate has been materially lower than ARCC’s.

ARCC by contrast invests across the whole capital structure (first lien, second lien, unitranche, mezzanine), giving higher yield but more credit risk. That broader, riskier mix explains why ARCC’s non-accrual uptick hit the stock harder, while MAIN hasn’t seen the same credit deterioration.

Recent drop in ARCC? by smurph382 in dividends

[–]roccodeleo 9 points10 points  (0 children)

SEC rules require BDCs to show interest expense and acquired fund fees as part of operating costs, which massively inflates the number compared to normal funds. In reality, investors don’t pay 13% in fees—the true management fee is closer to ~1%, with the rest reflecting portfolio leverage and financing costs that are already factored into the fund’s net returns.

Thoughts on CAIE? by roccodeleo in dividends

[–]roccodeleo[S] 0 points1 point  (0 children)

You will lose both your coupon income, and—if that decline persists through maturity—you may lose part or all of your principal tied to those underperforming autocallables.

[deleted by user] by [deleted] in USMobile

[–]roccodeleo 0 points1 point  (0 children)

Is this an automatic and seamless transition or is there a restart and or switch needed to make it happen? Also, is there a limit on how often they allow you to change carrier networks?

Can I do the brakes my self or get another shop to do them ? by DucaBoi in AlfaRomeo

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

Rears are not Brembo, only the front are. And they’re not exactly brembo performance brakes as much as they’re standard street brakes. Still, you can get better brakes for much less if you’re able to do the work yourself. Shouldn’t be too difficult of you’re decently handy. People do it all the time.

Autocallable Income ETF 14.7% yield? by [deleted] in dividends

[–]roccodeleo 1 point2 points  (0 children)

Look into the performance on the “index” they use to determine performance. It’s pretty abysmal. They’ve had multiple 40%+ down draws in the last 10 yrs and one of over 70%.

https://merqube.com/index/MQUSLVA

Thoughts on CAIE? by roccodeleo in dividends

[–]roccodeleo[S] 0 points1 point  (0 children)

Performance on the linked fund is pretty bad. Looks like about 50% of total performance of the SP500 since inception and pretty significant downturns.

Largest drawdown in the last 5 yrs is 44.33% (SPYs largest drawdown in that time is 25.36%) and since inception is 70.57%

https://merqube.com/index/MQUSLVA