Peter Kobak

Lmaooooo, I’m crying

Strategic Investment Newsletter lynalden.com/investing-news…

@alt_w_v_g With that expenditure of time, you might have been able to fix it yourself, with the help of YouTube and original replacement parts. It’s as much about the personal satisfaction as the money saved.

The dishwasher broke My wife said "good thing we have the home warranty" I said nothing I've been paying $62 a month for three years for this moment $2,232 for the peace of mind that when something breaks someone will come to the house and tell me it's not covered I called 47 minutes on hold They sent a technician Arrival window: Tuesday through Thursday between 8am and 5pm My analyst delivers faster than that And he still hasn't fixed the gridlines He showed up Wednesday at 4:47pm Looked at the dishwasher Opened the door Closed the door Touched something underneath Said "not covered" 90 seconds That's faster than my bank lets me prove I'm human I said "what's covered" He said "the motor" I said "what's wrong with it" He said "not the motor" I said "convenient" He said the service fee is $75 I paid a man $75 to open my dishwasher, close my dishwasher, and say two words My analyst could do that And he's not even that good I called the warranty company back 38 minutes on hold Requested the policy 129 pages I read all 129 pages Because that's what I do The coverage section is 34 pages The exclusions section is 58 The business model is right there In the margins Where nobody reads Except me Page 91 says "all mechanical and electrical components essential to appliance function are covered under standard service" Page 104 excludes control panels A control panel is an electrical component essential to appliance function Their own document contradicts itself 13 pages apart I highlighted both Sent them an email Subject line: "Plz fix. Thx." Attached both pages No other context Took them three days to send a technician Took them 4 hours to call me back when I found the loophole Funny how that works They covered the repair Waived the $75 And I canceled the warranty anyway Because a contract that contradicts itself isn't a contract It's a suggestion My wife said "so we're canceling" I said "we're canceling" She said "and the dishwasher" I said "fixed. They're covering it." She said "how" I said "I read the policy" She said "all 129 pages" I said "the exclusions section starts on page 47. The coverage section ends on page 34. There are 13 pages between them where they hoped nobody would look." She looked at me Then she said "you're unbelievable" I said "I just saved us $744 a year and got a free dishwasher repair. I'm not unbelievable. I'm thorough." She looked at the ceiling The dishwasher works now The warranty is canceled And the policy has been read By at least one person Probably the first Make common sense common again Plz fix. Thx. Sent from my iPhone

'Just use a VPS' bro. It's just a 1-click, 2222-step install.

@Vanguard_Group You’ve been banging this drum for decades. And I’ve listened to you, allocating 25% of my equity to international funds. After about 30 years, it has only reduced my equity returns. I guess if you keep saying it, *someday*, by chance, you’ll be right.

On this episode of Better Vantage, Vanguard’s Qian Wang discusses global market dynamics and cautions that U.S. outperformance may not last. Diversification could be key to managing risk. Listen now. vgi.vg/4omueMw #BetterVantage

😂

Breaking down the AI deals between $NVDA, $AMD & OpenAI

A father reviews a 4-month old baby and has an interesting perspective

@ThatEricAlper I installed CP/M from 5” floppies, before Microsoft was a thing.

You may be old, but are you "Installed Windows 95 from a bunch of floppy disks" old?

@PNW_working_mom Go nuts on July 4th. Celebrate Jan 1. But can the rednecks behind us give it a rest from EVERY dry NIGHT OF THE YEAR?

@awealthofcs @scottianrick My younger self could never have imagined having over saved or under spent in retirement. Yet 8 years into retirement we have 20% more than the day we retired. Not counting house appreciation, and haven’t claimed SS yet. 🤷‍♂️

There are 2 types of money problems: 1. People who spend too much 2. People who save too much I talked to @scottianrick about the psychology of spending and how financial advisors can help their clients enjoy their money: awealthofcommonsense.com/2025/06/the-tw…

@DJSnM I’m guessing your schoolmates *wanted* to beat you up for saying stuff like this, but you were too big & strong.

During ‘Radioactive’ they show these atoms in the visuals. They must be lithium because they have 3 electrons. But, there are no long lived radioisotopes of lithium, the most stable is lithium 8 with a half-life of less than a second.

@KenLevyCFP @LynAldenContact I’m personally doing all I can to support your thesis. Accelerated two appliance purchases, discount meds from China, and buying all the little crap I’ve had my eye on from Alibaba for my hobby. :-)

@LynAldenContact I am thinking supply chain disruptions. Everything sells out prior to the tariffs. A big one-time Q2. Then inventories are low and companies are putting orders on hold due to tariff negotiations. Your thoughts?

::taps mic, clears throat:: Nothing stops this train.

@awealthofcs For 20 years, I’ve been waiting for my 25% international stock allocation to pay off. Sweet vindication. :-)

2025 returns: European stocks +10.2% Emerging markets +3.4% S&P 500 -6.3% Nasdaq 100 -10.2% Russell 2000 -11.0%

@crusadepepe I do. Because I have adult kids. And they use my printer. :-)

@Vanguard_Group You don’t need my personal info to have a 24-hr security hotline open for customers under attack at night or on weekends. But you’re apparently just a bot, so I’m the fool for continuing to try to explain my complaint.

@vectorizer99 Hi, I'm very sorry for any frustration. One of my team members would like to look further into this. Could you please DM us with the email address, phone number, and zip code associated with your account? -Ellie

Vanguard is humbled by the trust and confidence our client owners continue to place in our company and our products. VOO's stature as a leading ETF is exciting—but our focus remains on our investors and providing them with the tools and guidance that can help them achieve their financial goals. advisors.vanguard.com/insights/artic… #Vanguard

@Vanguard_Group It’s not an account specific question Skyler. It’s a general complaint that when one of your customers are under attack outside M-F 8-8 and are fearful of losing all their assets, Vanguard won’t help.

@vectorizer99 Thanks for reaching out, Peter. This seems to be an account specific question. In order to keep your information private, please give us a call at 877-662-7447, M-F from 8 a.m. to 8 p.m., Eastern time, to connect securely with our team. -Skyler

@BoringBiz_ @adamcarolla rich man poor man

Three levels of wealth > No LinkedIn > LinkedIn > No LinkedIn

@christine_benz @JasonKephart @MorningstarInc Late pre-retirement, I was having a heck of a time trying to analyze this question. But when I read somewhere that spending more from savings to delay SS is like buying inflation-protected government-guaranteed longevity insurance, it was an easy decision.

In financial planning circles, delaying Social Security is gospel. But the value of delaying depends on what someone does for income while they wait, according to @JasonKephart in our latest @MorningstarInc research on safe withdrawal rates. A must-read.👇 morningstar.com/retirement/how…