Timko Fizziera

@RajivRebello @zachmelloh26 Thanks. That was clearly worth $2.5 million.

@Galtslaststand are you familiar with sequence of return risk? Why would a retiree who needs to draw down on their portfolio put 100% of their money in the S&P500? At 180k income per year on a 2.6M portfolio, that's about a 7% withdrawal rate. If your withdrawal rate is high and you have poor early year performance at the same time you risk running out of money. There are legitimate reasons why a 1% fee can be high and not worth the drag. In fact, I've written about them. But you're clearly showing why retirees need an advisor. Because in the absence of that people don't understand the risk behind what they're doing. And putting 100% of your money in the S&P500 when you're retiring with a high withdrawal rate and thinking that's a risk-free retirement plan is clear evidence that they need an advisor. Also the idea that you would do a $4M Roth conversion all in one year at the highest bracket instead of spreading it out over time at lower bracket amounts to reduce tax drag and lead to more wealth creation is beyond me. On $4M, you would pay federal and NY state taxes here. You're looking at a 42% effective tax rate on that entire amount. Add in another 4% if they are residents of NYC. So The client would be better off paying an advisor the 1% fee ongoing to get proper retirement and investment planning advice than listening to the advice you've given here for free. Of course not all advisors provide quality advice, but quality advice does add significant value. And I'm not sure you're appreciating that.

Mike retired at 54 with $ 4.1M. He had done everything “right”: • Maxed out his 401(k) • Saved consistently for 30+ years • Paid off his home • Avoided debt But:

@ick_real Velveth (Vel), Nellie, Ethel, Claira, Ruth

I'm looking for a ridiculously old-fashioned girl's name for our new born . Think great-grandma name. Very old and rare. Any suggestions asap pls?

@MemeNonLibs She and I, not Her and I.

“To start living according to Your truth, your desires, your intuition that you can’t explain…I want it for everybody so bad!” -Liberal woman celebrating how she left her perfect marriage based on nothing but her desires with her friend Is this what society is now? 🙄✨🌈

@BillAckman @X She assumes pain is one way. Drive up her cost. Counter sue. Find ways to squeeze husband’s business. Make sure every time someone Googles her name, they understand the risk they are taking.

I am reaching out to the @X community for advice with the likely risk of sharing TMI. I have been sufficiently upset about the whole matter that I have lost sleep thinking about it and I am hoping that this post will enable me to get this matter off my chest. By way of background, I started a family office called TABLE about 15 years ago and hired a friend who had previously managed a family office, and years earlier, had been my personal accountant. She is someone that I trusted implicitly and consider to be a good person. The office started small, but over the last decade, the number of personnel and the cost of the office grew massively. The growth was entirely on the operational side as the investment team has remained tiny. While my investment portfolio grew substantially, the investments I had made were almost entirely passive and TABLE simply needed to account for them and meet capital calls as they came in. While TABLE purchased additional software and other systems that were supposed to improve productivity, the team kept increasing in size at a rapid rate, and the expenses continued to grow even faster. While I would periodically question the growing expenses and high staff turnover, I stayed uninvolved with the office other than a once-a-year meeting when I briefly reviewed the operations and the financials and determined bonus compensation for the President and the CFO. I spent no time with any of the other employees or the operations. The whole idea behind TABLE was that it would handle everything other than my day job so that I would have more time for my job and my family. Over the last six years, expenses ballooned even further, employee turnover accelerated, and I became concerned that all was not well at TABLE. It was time for me to take a look at what was going on. Nearly four years ago, I recruited my nephew who had recently graduated from Harvard and put him to work at Bremont, a British watchmaker, one of my only active personal investments to figure out the issues at the company and ultimately assist in executing a turnaround. He did a superb job. When he returned from the UK late last year after a few years at Bremont, I asked him to help me figure out what was going on with TABLE. When I explained to TABLE’s president what he would be doing, she became incredibly defensive, which naturally made me more concerned. My nephew went to work by first meeting with each employee to understand their roles at the company and to learn from them what ideas they had on how things could be improved. He got an earful. Our first step in helping to turn around TABLE was a reduction in force including the president and about a third of the team, retaining excellent talent that had been desperate for new leadership. Now here is where I need your advice. All but one of the employees who were terminated acted professionally and were gracious on the way out (excluding the president who had a notice period in her contract, is currently still being paid, and with whom I have not yet had a discussion). The highest compensated terminated employee other than the president, an in-house lawyer (let’s call her Ronda), told us that three months of severance was not enough and demanded two years’ severance despite having worked at the company for only two and one half years. When I learned of Ronda's request for severance, I offered to speak with her to understand what she was thinking, but she refused to do so. A few days ago, we received a threatening letter from a Silicon Valley law firm. In the letter, Ronda’s counsel suggests that her termination is part of longstanding issues of ‘harassment and gender discrimination’ – an interesting claim in light of the fact that Ronda was in charge of workplace compliance – and that her termination was due to: “unlawful, retaliatory, and harmful conduct directed towards her. Both [Ronda] and I [Ronda’s lawyer] have spoken with you about [Ronda’s] view of what a reasonable resolution would include given the circumstances. Thus far, TABLE has refused to provide any substantive response. This letter provides the last opportunity to reach a satisfactory agreement. If we cannot do so, [Ronda] will seek all appropriate relief in a court of competent jurisdiction.” The letter goes on to explain the basis for the “unsafe work environment” claim at TABLE: “In early 2026, Pershing Square’s founder Bill Ackman installed his nephew in an unidentified role at TABLE, Ackman’s family office. [His nephew]—whose only work experience had been for TABLE where he was seconded abroad for the last four years to a UK watch company held by Ackman—began appearing at TABLE’s offices and conducting interviews of employees without a clear explanation of his role or the purposes of these interviews. During this period, he made a series of inappropriate and genderbased [sic] comments to multiple employees that created an unsafe work environment. Among other things, [his nephew] made remarks about female employees’ ages (“Tell me you are nowhere near 40”), physical appearance (“Your body does not look like you have kids”), as well as intrusive questions about family planning and sexual orientation (“Who carried your son? Who will carry your next child?”). These incidents were reported to senior leadership at TABLE and Pershing Square. Rather than being addressed appropriately, the response from senior management reflected, at best, willful blindness to the inappropriateness of [his nephew]’s remarks and, at worst, tacit endorsement.” The above allegations about my nephew had previously been brought to my attention by TABLE’s president when they occurred. When I learned of them, I told the president that I would speak to him directly and encouraged her to arrange for him to get workplace sensitivity training. The president assured me that she would do so. When I spoke to my nephew, he explained what he actually had said and how his actual remarks had been received, not at all as alleged in the legal letter from Ronda’s counsel. I have also spoken to others at the lunch table who confirmed his description of the facts. In any case, he meant no harm, was simply trying to build rapport with other employees, and no one, as far as I understand, was offended. Ironically, Ronda claims in her legal letter that TABLE didn’t take HR compliance seriously, yet Ronda was in charge of HR compliance at TABLE and the person who gave my nephew his workplace sensitivity training after the alleged incidents. In any case, Ronda, as head of compliance, should have kept a record or raised an alarm if indeed there was pervasive harassment or other such problems at the company, and there is no evidence whatsoever that this is true. So why does Ronda believe she can get me to pay her nearly $2 million, i.e., two years of severance, nearly one year of severance for each of her years at the company? Well, here is where some more background would be helpful. Over the last two months, I have been consumed with a major family medical issue – one of my older daughters had a massive brain hemorrhage on February 5th and has since been making progress on her recovery – and I am in the midst of a major transaction for my company which I am executing from a hospital room office next to her . While the latter business matter is publicly known, the details of my daughter’s situation are only known to Ronda because of her role at our family office. Now, let’s get back to the subject at hand. Unfortunately, while New York and many other states have employment-at-will, there has emerged an industry of lawyers who make a living from bringing fake gender, race, LGBTQ and other discrimination employment claims in order to extract larger severance payments for terminated employees, and it needs to stop. The fake claim system succeeds because it costs little to have a lawyer send a threatening letter and nearly all of the lawyers in this field work on contingency so there is no or minimal cash cost to bring a claim. And inevitably, nearly 100% of these claims are settled because the public relations and legal costs of defending them exceed the dollar cost of the settlement. The claims are nearly always settled with a confidentiality agreement where the employee who asserts the fake claims remains anonymous and as a result, there is no reputational cost to bringing false claims. The consequences of this sleazy system (let’s call it ‘the System’) are the increased costs of doing business which is a tax on the economy and society. There are other more serious problems due to the System. Unfortunately, the existence of an industry of plaintiff firms and terminated employees willing to make these claims makes it riskier for companies to hire employees from a protected class, i.e., LGBTQ, seniors, women, people of color etc. because it is that much more reputationally damaging and expensive to be accused of racism, sexism, and/or intolerance for sexual diversity than for firing a white male as juries generally have less sympathy for white males. The System therefore increases the risk of discrimination rather than reducing it, and the people bringing these fake claims are thereby causing enormous harm to the other members of these protected classes. So what happened here? Ronda was vastly overpaid and overqualified for the job that she did at TABLE. She was paid $1.05 million plus benefits last year for her work which was largely comprised of filling out subscription agreements and overseeing an outside law firm on closing passive investments in funds and in private and venture stage companies, some compliance work, and managing the office move from one office to another. She had a very good gig as she was highly paid, only had to go into the office three days a week, and could work from anywhere during the summer. Once my nephew showed up and started to investigate what was going on, she likely concluded that there was a reasonable possibility she would be terminated, as her job was in the too-easy-and-to-good-to-be-true category. The problem was that she was not in a protected class due to her race, age or sexual identity so she had to construct the basis for a claim. While she is female and could in theory bring a gender-based discrimination claim, she reported to the president who is female and to whom she is very close, which makes it difficult for her to bring a harassment claim against her former boss. When my nephew complimented a TABLE employee at lunch about how young she looked – in response to saying she was going to her 40-year-old sister’s birthday party, he said ‘she must be your older sister’ – Ronda immediately reported it to our external HR lawyer. She thereby began building her case. The other problem for Ronda bringing a claim is that she was terminated alongside 30% of other TABLE employees as part of a restructuring so it is very difficult for her to say that she was targeted in her termination or was retaliated against. TABLE is now hiring an external fractional general counsel as that is all the company needs to process the relatively limited amount of legal work we do internally. In short, Ronda was eminently qualified and capable and did her job. She was just too much horsepower for what is largely an administrative legal role so she had to come up with something else to bring a claim. Now Ronda knew I was a good target and it was a good time to bring a claim against me. She also knew that I was under a lot of pressure because on March 4th when Ronda was terminated, my daughter had not yet emerged from consciousness, she was not yet breathing on her own, and my daughter and we were fighting for her life. I was and remain deeply engaged in her recovery while at the same time I was working on finishing the closing for the private placement round for my upcoming IPO. Ronda also knew that publicity about supposed gender discrimination and a “hostile and unsafe work environment” are not things that a CEO of a company about to go public wants to have released into the media. And she may have thought that the nearly $2 million she was asking for would be considered small in the context of the reputational damage a lawsuit could cause, regardless of the fact that two years of severance was an absurd amount for an employee who had only worked at TABLE for 30 months. She also likely considered that I wouldn’t want to embarrass my nephew by dragging him into the klieg lights when her claims emerged publicly. So, in summary, game theory would say that I would certainly settle this case, for why would I risk negative publicity at a time when I was preparing our company to go public and also risk embarrassing my nephew. Notably, she hired a Silicon Valley law firm, rather than a typical NY employment firm. This struck me as interesting as her husband works for one of the most prominent Silicon Valley venture firms whose CEO, I am sure, has no tolerance for these kinds of fake claims that sadly many venture-backed companies also have to deal with. I mention this as I suspect her husband likely has been working with her on the strategy for squeezing me as, in addition to being a computer scientist, he is a game theorist. My only advice for him is to understand more about your opponent before you launch your first move. All of the above said, gender, race, LGBTQ and other such discrimination is a real thing. Many people have been harmed and deserve compensation for this discrimination, and these companies and individuals should be punished for engaging in such behavior. Which brings me to the advice I am seeking from the X community. I am not planning to follow the typical path and settle this ‘claim.’ Rather, I am going to fight this nonsense to the end of the earth in the hope that it inspires other CEOs to do the same so we shut down this despicable behavior that is a large tax on society, employment, and the economy and contributes to workplace discrimination rather than reducing it. Do you agree or disagree that this is the right approach?

@MsMelChen These countries have too many sympathetic Muslims to Iran in their country. The governments are a hostage to fear of retaliation.

Let’s be real here. Europe has spent decades freeloading on American security. Even now, with every NATO member finally hitting the 2% GDP target in 2025. But beyond the financial contributions, the real rupture is philosophical and the Iran crisis has shown a spotlight on it. Europe worships process. Endless committees, consultations, and “predictability.” Macron actually calls it a virtue. For Trump, this is paralysis as his style is to articulate a threat, fix a target, and act. The Americans are men of conviction and purpose. Europe on the other hand lives by bureaucratic liturgy and in high-minded abstractions. Sure, Americans might make mistakes when acting. But Europe never considers what the costs of not acting actually are. Just look at how their nations are doing on various fronts, especially on the border crisis, and you see the same cancerous rot that undergirds their foreign policy approach play out domestically. It's the same problem on a different scale. Iran is currently holding the Strait of Hormuz hostage, choking 20% of global oil and spiking prices past $100 a barrel. Meanwhile, the regime is bleeding from strikes, its nuclear ambitions are still alive despite degraded capability, and its proxies are firing missiles at allies and oil tankers. If this isn’t a clear and present danger to the global economy - of which Europe is a part - then I don’t know what is. Yet when Washington asked to use European bases to finish the job - bases the US has defended for generations, the response was hesitation and hand-wringing. The US did strike from RAF Fairford, but only after warnings that British soil could become a “legitimate target.” If you cannot agree that a theocratic regime with eschatological ambitions who have shown no restraint in hitting out at Gulf countries and threatening the world’s energy jugular is an enemy worth confronting, then what, exactly, are we allies about? Europe loves to preen about being tough on Russia. They issue condemnations and speeches and slap sanctions that hardly work to cripple the Russian economy. Now here was a chance to do something concrete: let the Americans use the bases they already pay for, help clear the Strait, and actually degrade the Iranian war machine that arms Moscow’s proxies. Turmp didn’t ask for boots on the ground or any kind of more offensive action. All he wanted was permission to operate from the infrastructure America has underwritten for decades. They couldn’t even manage that. So can you blame the Americans for seeing NATO for what it is? A paper-tiger alliance that expects Washington to bleed and pay while Brussels and London convenes and deliberates. If Europe refuses to treat Iran as the threat it is while happily letting American power keep the Strait open and the lights on, then the alliance is already dead. Trump is simply stating the obvious and the Americans are becoming very reluctant to subsidize the European delusion any longer.

@emilysavesusa 1

1 or 2?

@JedediahBila I really appreciate your sane voice on life and “speaking truth to power (women).”

I find people who blindly trust the government insufferably dumb. I also find people who blindly trust "news" networks that mandated pharmaceutical poison insufferably dumb. Wake up, people. Your TV is full of shit.

@TradexWhisperer 3 more years. Dem president will move to cancel musk, thiel and Karp contracts. Investigate and indict ringleaders of dissent and independent thought.

$PLTR valuation makes ZERO sense But then why do institutions keep buying it? What do they know that you don't? I work in BIG DATA analytics and let me share the secrets of Palantir in the most basic way Palantir has monopoly on Automated Governance, serving as the ultimate Operating System for Data and Global Decision-Making. The world is starting to see the massive benefits of AI agents developed on the Palantir platform, which boost efficiency, drive higher earnings, and outpace the competition. Over time, Palantir will reign supreme among AI agents, with all other AI entities eventually integrating into the powerful Palantir Ecosystem. This is just the beginning. Think of $MSFT Windows. Before Windows, people relied of MS-DOS (which is another OS) and before that it was CP/M which were really bad Operating Systems. The Tools didn't talk to each other. You couldn't multitask. You couldn't perform Technical Analysis while at the same time executing the trades. You couldn't stream your games on Youtube while playing it. It was limited and fragmented into separate sessions and executable files (.exe). You were LIMITED, much less efficient. It is exactly the same for all Governments and Corporations and right now. They've grown so big, beyond scalability. Tons of data are being generated by too many programs, locations and departments. Each source of data have different expertise of people with totally separated ownerships and power over the data (e.g. Business Dept. vs Manufacturing Dept). Just like it was inefficient or impossible for MS-DOS to transfer data from one application to another in real time. It is inefficient to transfer the data from one department to another for a simple decision-making. It takes so much time, resources and too many meetings. It could take days if not weeks to get it done. Why? Because of ownership and qualifications over the data. If you don't work in the Business department then you don't qualify to play with that data. If you don't work in manufacturing department, you can't own the data. So in order to unify the two data sources. You are reliant to different groups. That's only one small example. Think of your responsibilities in your own household. One partner is probably more accurate on handling the grocery list and school events while the other is more reliable in fixing cars and backyards. As a 3rd person (perhaps an accountant), you would be reliant on each of them to provide the receipts for their own spendings. This is where Palantir's Ontology kicks in. Voila, it unifies every single data source and specialties within the company. Think of Palantir's Ontology as a digital map for a company's data. It organizes all the information in a way that makes sense, connecting different pieces of data to each other and to real-world things, like products, equipment, or customer orders. Imagine you have a messy room with all your stuff scattered around. The Ontology is like a system that helps you organize everything neatly, so you can find what you need quickly and easily. It's a way to make sense of a lot of data and use it effectively. Palantir solves scalability and reduces big corporations and governments down to its core principles, to make a good decision. With Palantir, it is much easier to grow, digitally. “There were 5 exabytes of information created between the dawn of civilization through 2003, but that much information is now created every two days.” — Eric Schmidt “Information is the oil of the 21st century, and analytics is the combustion engine.” — Peter Sondergaard “Without big data, you are blind and deaf and in the middle of a freeway.” — Geoffrey Moore Companies don't like to be blind and deaf in the middle of a freeway nor to be underperforming to be punished by the stock market. Eventually, all the data we generate will be more complex and too much for humans to digest them all. We will eventually need a AI to do that job for us but more importantly we need a stable platform for AI agents to stand on, you can't throw an AI agent in the water and expect to swim. AIs need.. ONTOLOGY. Think of AI agents as Culinary Chefs. The Palantir AI chefs will have all the ingredients and tools in ONE COMMON PLACE to make magic happen, enabling on-the-fly decision-making without the hindrances of bureaucracy or data ownership issues. This unity is the game-changer. Palantir is... A Super Integration Company And that is vastly more superior and transformative than the hype of 'AI' You can hire the best Chef in the world but without fresh ingredients and tools, he will never be effective. So that's why it's not just about AI agents, it's more about what's available to them, a unified kitchen full of many ingredients, recipes, assistants and tools. PALANTIR ONTOLOGY is precisely that Kitchen, an Operating System of Data and Global Decision-Making Just like how $MSFT has become essential to our every day lives, $PLTR will become essential to every single businesses and governments in the world. It's just matter time. The monopoly is here to stay. Is $PLTR valuation through the roofs? Hell Yeah, but what's the alternative? NONE

@0x49fa98 Most likely to steal their creators money first. That is fasted path to bank passwords.

@optionscjp Ignore the $ amount. Evaluate options by roi for time period. In the case above, weighted roi is 1.88%.

Sold options premium collected (yesterday + today): $7,677 Options sold : 3x $AMZN $220P Mar 20 @ $7.78 = $2,333 2x $AAPL $237.5P Jan 30 @ $3.22 = $644 (closed @ 33% profit) 2x $TSLA $460CC Feb 7 @ $5.71 = $1,142 3x $NBIS $115CC Jan 30 @ $1.56 = $468 3x $PSTG $65P Feb 20 @ $2.00 = $600 2x $RKLB $85P Jan 23 @ $1.60 = $320 10x $CRML $15P Jan 23 @ $0.42 = $420 10x $CRML $14P Jan 23 @ $0.45 = $450 20x $ONDS $10P Feb 7 @ $0.35 = $700 10x $INTC $60CC Jan 23 @ $0.60 = $600

@elonmusk Are you John Galt?

It’s a big deal

@DameScorpio That’s staged. Not a real recoil of pistol.

FILE UNDER “SHIT YOU CAN’T MAKE UP!” HERE 👇 we have another crazy Karen, who thought shooting a strangers Tesla parked in their private driveway was a great way to give the 🖕to Elon Musk. 🦇💩🤪 This is one of the craziest things I’ve ever seen. 😳 The cop was having none of her bull! 👇👀🎥🤪

@Pro__Trading @GeneSteratore Coaching! Take a knee at end of half. You can say the fumble cost Buf 3 points, but it was decision to not take a knee. Nothing but risk running desperate plays with no time outs, no time on clock within field goal range for Broncos.

@GeneSteratore A lot of bills fans in the comments right now angry that Josh Allen committed four turnovers in the biggest game of his career and continues to fall short in the playoffs. And they are lashing out at anyone and everyone else to blame except for Josh Allen.

My thoughts on the overtime ruling of interception in #BUFvsDEN. What do you think?

@TheChiefNerd California: Top 1 percent pay 40 percent of taxes; 10 percent pay 70 percent. How much do you want them to pay? Europeans pay about 50 income tax rate. Can we roll out 50 percent tax rate for 100 percent of Californians?

🚨 Kara Swisher on California’s Wealth Tax “You made all your money in California, you ungrateful piece of sh*t. You could figure out a way to pay more taxes, and we deserve the taxes from you.”

@Teslaconomics Like idea, but capacity is limited.

Boring Company is going to end soul sucking traffic. Today traffic exists bc we keep forcing a 3D world to move on 2D roads. Building and cities continue to grow upwards, while roads keep staying flat. That’s the problem this company is solving. The Boring Company goes underground where space is essentially unlimited. Think about it: • Roads are 2D • Tunnels are 3D and you can scale them as deep as you want, endlessly. When cars move through underground tunnels, 1/ Trips become straight lines 2/ Driving becomes safer 3/ Traffic disappears 4/ Commutes shrink from painful hours to peaceful minutes 5/ Stress drops significantly Boring Tunnels simplify trips. You just get in, the Tesla drives you, and then you arrive. These are one of those things that is so simple, yet so impactful. Boring Company is a game changer.

@readswithravi Steinbeck, Ayn Rand, Milton Friedman,

Have you ever read a book by an author that was so good it made you want to read everything else they've written?

Scott, I think so many of us felt alone and thought we were the last sane person on the planet, and then “the Dilbert guy” started to speak up. We were not alone. We were not crazy. You gave us hope! It’s wonderful to feel so much love for someone I’ve never met. Humanity can be wonderful. Thanks for all of that!

I have a favor to ask. If my work helped you, or someone you know, please follow my biographer and good friend @joelpollak and leave a comment here in case he wants to follow up with you on DMs. It gives me great joy to learn about any contribution I made. I tried to be useful.

@ScottAdamsSays Scott, you’re a champ. Millions of people love and appreciate you. We wish there was a way to let you feel it!

Coffee With Scott Adams 12/19/25 x.com/i/broadcasts/1…

@Michael97061865 @JimFergusonUK I got blood clots from Pfizer and did NOT report it. Why would I? What’s my incentive? Vaers data is tip of iceberg.

@JimFergusonUK Anyone can submit a report to VAERS, including patients, caregivers, and healthcare providers. Healthcare providers and manufacturers are required to report certain events. Reports may contain incomplete or unverified information, and the number of reports cannot prove causation.

BOMBSHELL:🚨 SENATOR JOHNSON JUST REVEALED THE DATA THEY HID Senator Ron Johnson has now stated—on record—that federal health officials knowingly concealed vaccine risk signals instead of warning the public. His words were unambiguous: “They admitted there was a signal on myocarditis, and they hid it. They didn’t warn the public, they didn’t warn doctors.” Then he laid out the data straight from VAERS: “The VAERS system shows 38,742 deaths reported… and 9,252 of those deaths occurred on the day of vaccination, or within one or two days.” He added that federal agencies initially promoted VAERS as a trusted safety surveillance system, until the results showed what they “didn’t like.” Johnson further stated: “It’s been thoroughly corrupted.” This is no longer a question of opinion, interpretation, or speculation. A sitting U.S. Senator—armed with millions of pages of internal agency records—is openly accusing officials of: hiding known safety signals failing to alert doctors withholding warnings from the public That is not a debate. That is testimony. And accountability now becomes inevitable.