Comments by Papi_Chulo (page 6)

@25 (Good) Money Market Funds (MMFs) appear to be yielding close to what CDs are (maybe slightly less) – I kinda prefer to be in MMFs for liquidity-purposes and willing to give up a bit of yield compared to the best CDs – I understand the CD-ladder allows for a certain amount of liquidity-flexibility; but for now I prefer the greater/pretty-much-100% liquidity flexibility of MMFs.

Given this quirky market – plus memories of 2008 and the 50%-loss – plus the current “shaky economy” for lack of a better word; has me pretty-gun-shy about “playing the market” – but after being out-of-market for about a year now (mostly in MMFs), a bit of FOMO has started to creep-in particularly w.r.t. Tesla b/c I came supa-close to investing in Tesla in 2019 b/f it took-off; but didn’t. Prior to 2019 I was I was just in ETFs (usually a low-cost Vanguard S&P ETF or Vanguard growth (Nasdaq) ETF) – but early in 2019 I saw the FANGs just killing it and for the first time invested in individual stocks – in early 2019 I invested in Amazon; MicroSoft; FaceBook; and Google – Tesla was def in the mix but in the end opted to not invest in Tesla – again me not having any sort of deep-knowledge about investing meant I kinda went more w/ the herd and also the mighty investing strategy of “gut feeling” … LOL – i.e. I decided to invest in Amazon; MicroSoft; FaceBook; and Google; b/c I trusted the Founders of those companies – and at the time (earl-2019) I didn’t trust Elon and saw him as kinda a little too-crazy for my tastes (w/ all the children and baby-mamas he was having etc). Obviously I did well investing in Amazon/MicroSoft/FaceBook/Google – for most of 2019 I had about 50% invested in these 4-stocks and 50% invested in ETFs – but of course I kicked myself for missing-out on Tesla an underestimating Elon Musk – when Covid came-around in 2020 I pretty-much moved everything into Amazon/MicroSoft/FaceBook/Google b/c I felt they would much-better-weather the shutdown; and they did – but I still didn’t get into Tesla and missed-the-boat on the best of the 5-individual-stocks I was mainly focusing-on. All this word-salad was to get to the point that I told myself I wasn’t gonna miss “the next Tesla boat” – but yet here I am once more not currently invested in Tesla – I currently have much more “Tesla conviction” than I did in 2019; but part of me feels/fears there is still a “shoe to drop” in the economy and if I invested in Tesla now that it would be brought down along w/ the rest of the market if there was a severe turn in the economy as many think/predict. So I’m kinda in b/w fear-of-a-bear-market yet to come in the nearterm taking everything down w/ it, and Tesla FOMO and once again “missing the boat”. I’m mostly just “thinking out loud” here – not asking anyone to hold my hand per se – LOL.

Given my above description of me being wired more as a saver vs an investor, and thus being pretty-conservative about money; and not being well-versed in investing; means I’m pretty-opposed to taking risks in part b/c I’m financially conservative, and probably more-so b/c I don’t trust that I know enough about what I’m doing. I thus been out of equities since the Spring of ‘22 – I had been “nervous” about the market ever-since around the Fall of ‘21 (perhaps a little earlier) b/c it just felt equities were way-too-hot and due for at least a correction – by the Spring of ’22 I started to take some losses and I’d had enough – I took some losses b/c in ’22 I had switched most of my investments to commodities mainly after the Putin Ukraine invasion when oil and nat-gas shot-up (plus other commodities like uranium; agriculture; etc) – I “did well” but I really didn’t know what I was doing (mainly following the herd; or part of the herd) – part of what I didn’t know in early ’22 was that nat-gas was referred to as a “widow-maker” by many investors knowledgeable in commodities – I subsequently learned nat-gas can go up 6%, 7%, even 10%, in a day, but also fall by the same amount in just one trading day – needless to say for me ’22 was a wash; i.e. I lost what I had gained in my 2022 commodity-investing and by the time I got out of the market in the Spring of ’22 I was at the same place I was when I started ’22 (I guess more or less as if I hadn’t invested in 2022; could have been worse I guess) – after getting out of commodities in the Spring of ’22 I put my investment in money-market-funds (MMF) in order to ride out this quirky-market – the MMFs helped me recoup some of what I lost in the first few-months of 2022 but I’m still a bit in the red.

I’ve always been a saver; not so much an investor necessarily – I invest in the market b/c: 1) over the last 15+ years saving has gotten u anywhere (no sort of return) 2) one kinda needs to be invested in the market if one wants to build any kinda nestegg for retirement (unless one has a business they can sell; or valuable real-estate; etc) Given my conservative nature towards money; if there was a decent return w.r.t. savings I would have probably had a decent chunk in savings and the rest in the market; vs being entirely in the market over the last several years. I never really bothered to become proficient at investing – I wouldn’t say I have zero-knowledge; but def far from being “very knowledgeable” about it – if I was to “classify” my level of expertise w.r.t. investing I’d first would kinda break-up “levels of investing knowledge” into several categories via an analogy to general education level – I’d coarsely classify investors’ knowledge-level as follows: 1) high-school-dropout – this is the equivalent of someone that pretty-much has no clue about finances/investing 2) high-school-graduate – equivalent of someone that has some basic knowledge of investing but pretty-rudimentary for the most-part 3) 2-year-degree – the equivalent of someone that has learned a little beyond the basics of finances/investing but not enough to talk very-intelligently about it or be able to give advice to others (friends; etc) 4) 4-year-degree – equivalent of someone that has acquired a good deal of investing knowledge – the equivalent of a very-knowledgeable retail-investor 5) Masters degree – equivalent of someone that has acquired enough knowledge to where they are qualified to work in the field of investing and qualified to advice others 6) Phd level – equivalent of the stars/legends of investing – the most knowledgeable of all I’d put myself in level-3 of the above analogy – I may know slightly more than the avg-Joe that doesn’t have the time or desire to learn; but I def don’t have a deep-knowledge of investing to where I can spot trends etc. I never really spent time doing deep-dives into investing b/c: + I can’t say learning investing was something that “turned me on” per se or found super-interesting + I kinda saw as futile to learn to the point of being an “expert” if just an “amateur expert” – I figured the best I could do is follow what the market was doing (kinda follow the herd)

"... For the first time in my long life, I’ve put a significant portion of my net worth into a single stock. Tesla ..." I don't think I'd ever have the balls for that but if it works-out then it'd def be a game-changer w.r.t. one's net-worth.

"Amid The Bud Light-Dylan Mulvaney Backlash, Ford’s ‘Very Gay’ Trucks Have Resurfaced" The Ford Raptor is very gay. That’s not a middle school joke, it’s an actual vehicle offered by The Ford Motor Company, which created a special edition “very gay” version of its Raptor pick-up truck two years ago, complete with a rainbow paint job. Yet nobody even noticed it until recently Technically, it isn’t an advertisement — it’s just a social media video. According to The National Pulse’s Raheem Kassam, a spokesperson for Ford has been very quick to point that out. While the very gay truck has gained new prominence, or infamy depending on your persuasion, it has actually been out of the closet for some time, and Ford Europe was quite proud of its Very Gay Raptor (VGR). “Created in 2021, ‘Very Gay Raptor’ was born in response to a negative comment on social media, with Ford rendering its most badass nameplate in sparkling gold adorned with rainbow graphics,” a Ford Europe press release said. “The positive response online was so overwhelming the manufacturer decided to make it real, and has been using it as a tool to help drive out discrimination ever since.” [truck video in link below] https://www.dailywire.com/news/amid-the-bud-light-dylan-mulvaney-backlash-fords-very-gay-trucks-have-resurfaced

I think mixed-people are often attractive. Below is a vid-clip I had seen of Kamala w/ talkshow-host Montel Williams – the vid is about 20-years-old and apparently they had been dating then – in the vid is also Montel’s daughter who also seems mixed and looks very-pretty: https://rumble.com/vgxfhb-resurfaced-2001-video-talk-show-host-montel-williams-shows-off-kamala-harri.html

I hadn't noticed but I don't go to a club's page too-often - the rare-times I do I just hit the Reviews-tab and don't really look at much-else on the page.

Jim Brown was way b/f my time (I started somewhat watching a little-bit of football in 1981) – I’m also not a Clevelander/Ohioan so can’t say I grew-up in an environment that idolized him. Every now and then over-the-years I’d heard about incidents about him having an altercation with an S.O.; but I don’t recall the details; and probably the bulk of that was either prior to social media and/or prior to social-media being so ubiquitous; I also wouldn’t doubt he may have largely been protected to some extent by the powers-to-be; and why I was mostly unaware of his various issues. The posts by @whodey and @motorhead did make me think of something – from what I recall “from my mental rolodex”; I don’t recall ever seeing that guy smile – of course this isn’t some kinda of sin; but I often wonder about people that never/hardly-ever smile (for God’s sake at least use a happy-face-emoji once-in-a-while – LOL).

Kinda-interesting short-vid about the current-state of the Tesla-Semi - seems progress is slow - what caught my attention was at the ~5:08-mark in the vid where the narrator states that most of the semis that have been delivered to PepsiCo have been almost-completely-subsidized via Federal/State/Local government-subsidies and seemingly little-to-no-cost for PepsiCo: https://youtu.be/qC6xZDSSrIg

‘I Definitely Want To Stand’: Brittney Griner Sees U.S. Flag And Anthem Differently After Russian Imprisonment WNBA player Brittney Griner says her time in a Russian prison has changed her perspective on the American flag and the national anthem: after promising to protest the traditional pregame anthem in 2020, she said this season she is ready to stand. The Phoenix Mercury star center spent nearly ten months imprisoned in Russia after she was caught in February of 2022 at Moscow’s Sheremetyevo Airport — while traveling to play basketball — with cannabis oil in vape canisters. She was returned to the United States after President Joe Biden’s administration agreed to trade convicted Russian arms dealer Viktor Bout to secure her freedom. When she was finally able to return to play basketball, however, she said that the national anthem “hit different” than it had before her arrest. She explained that while she would never tell others that they should not protest in whatever way they saw fit, she was ready to stand for the anthem when it played. “You have the right to protest, the right to able to speak out, question, challenge and do all these things. What I went through and everything, it just means a little bit more to me now. So I want to be able to stand. I was literally in a cage [in Russia] and could not stand the way I wanted to,” she explained to ESPN. “Just being able to hear my national anthem, see my flag, I definitely want to stand. Now everybody that will not stand or not come out, I totally support them 100 percent. That’s our right, as an American in this great country.” “I appreciate everything a little bit more, all of the small moments, like, ‘Oh, I’m so tired I don’t want to go to practice today,’ that has changed, honestly. Tomorrow is not guaranteed, you don’t know what it’s going to look like. I feel a lot older somehow, too,” she said. Griner had opted not to stand for the anthem in 2020, saying that if the league continued to play it prior to every game, she simply would not come out to the court until it was over. https://www.dailywire.com/news/i-definitely-want-to-stand-brittney-griner-sees-u-s-flag-and-anthem-differently-after-russian-imprisonment

IMPORTANT ANNOUNCEMENT: Im heading out for a dinner and will be off-TUSCL for a while - this is a golden-opportunity for some "Papi-Chulo-free TUSCL time" and for those triggered by my posting - but don't waste this rare-opportunity bc it's not a given how aoon I'll be back on with my triggering. Your wlecome ^ dammit - sorry - there goes my immigrant writing-skills again -my sincere apologies; I meant to write You're Welcome

'... Wow I knew about Phil Specter killing a woman, but didn't know she was in Fast Times ..." That kinda blew me away also (and part of the reason for the thread) - I also had heard about the Specter incident years ago but like you had no idea it was the girl from the movie - shocking, and sad AF especially her being so young and having so much going for her.

I have somewhat seen the light though - the problem on TUSCL may perhaps not be too much Papi Chulo, but perhaps not enough dha

"... Nothing has changed. Still a dope. Im a white guy that likes black girls. Ha ha ha ha. Clown ..." Can't help myself - with all this wokeness going-around I guess to a certain extent I've neen infected with the "equity-virus"

You're getting soft shadowcat - if u really wanna piss off as many people as possible just tell them "I love me some Donald Trump" 😝

^ thanks buddy - seems we are kindred-spirits after all - we both enjoy helping others - thanks again for your invaluable input

^ LoL - so now my ethnicity/background is also something that bothers you - fair enough - you can't please everyone - let me know if you need help on how to use the TUSCL Ignore function - as everyone knows I'm always here to help

^ it was definitely a different, and in many ways, simpler time

Oh I see - you're feelings were hurt bc someone didn't agree with your review - - I'm not the only one that gets to vote on your review - if others think you're review is great then they'll vote accordingly - I don't expect everyone to agree with my posts; and neither should you. Lastly - if my posts, or anyone else's, are so bothersome; that's what the TUSCL Ignore feature is for; I encourage you to use it.

Elon Musk called ChatGPT woke-as-fuck - and many others have also - just like Twitter; Facebook; and Google; supresse content based on their personal political views; so does ChatGPT. Some people have tested the wokeness of ChatGPT by asking about Donald Trump - ChatGPT came back with a flowery-response about not wanting to engage in controversial topics; or something like that - but when asked about Joe Biden ChatGPT produced a glowing-article - the same forces behind online-sensoring of political-views they don't like are the same forces behind ChatGPT. w.r.t. strip clubs and AI - one could assume woke AI in the future would take the woke stance of making dancers victims and custies "oppressers" etc - not saying they are there now; but just like most of social-media is woke; why not AI since it's controlled by the same forces.

Make sure to put political threads in the Political Discussions section

Funny how the AI generated reviews tend to be woke by writing flowery descriptions to make sure they stay within their woke-guidelines

"... seems to be several UR's that I've seen before somewhere. If any have been approved, love to find out the screen name ..." https://app.tuscl.net/review/396722

Seems to be the new way to get around writing fake -reviews to get free VIP - the bigger issue is TUSCLers often approving them.