Author Topic: Overheard at Work 2  (Read 1000318 times)

amberfocus

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Re: Overheard at Work 2
« Reply #2750 on: September 19, 2020, 08:33:52 PM »
Someone at work who is up to his eyeballs in credit card debt (and works two jobs to keep up with the bills) told me that he'd been day-trading in his 401(k) back in March when the market was down, and wound up making five figures in profit.

All right, market timing is bad, but he got lucky this time, good for him.

But then he said that because the CARES act now lets you withdraw penalty-free from your 401(k), he was thinking of taking his earnings, and buying a new car.

*headdesk*

I told him that it was a terrible idea to tap the 401(k) because it was precious tax-advantaged space, but if he were to do that, he should really pay off his credit card debt first.

He looked like I'd just kicked his puppy.

Of course! After all that hard work he deserves that car and would like to have your okay for that, so the tiny voice inside him telling that this is stupid is silent.

Ugh, it's worse than that. He's not just looking for my approval, he actively wants to impress me with how much money he has/makes, and what he does with it. He's very proud of his hot stock picks, and was quite disappointed when I turned down his investment advice on a different occasion. He thinks he's so financially savvy, but he has no idea who he's talking to, and he's too self-centered to ever take me seriously.

What I don't understand is why people sell when it's really low.
I have the problem that I not sell when I should because it's slightly in the red even though I know it will go down more. I don't sell because I don't want to make the loss.
Why aren't people refusing to sell then when it is a big loss??

A coworker liquidated all the stock in his 401(k) in February (after the market had started to fall, but before it hit rock bottom), and put it all in bonds. He is nearing (normal) retirement age, was losing sleep over the volatility, and said that bailing made him feel so much better. I'm not gonna judge him, I actually feel a lot of compassion for him, because he's a lovely person, and I'm rooting for his financial health and eventual retirement. The core issue is that his asset allocation did not reflect his risk tolerance, so he panic-sold. I have no clue if/when he got back in. Loss aversion is a powerful driver.

BTDretire

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Re: Overheard at Work 2
« Reply #2751 on: September 21, 2020, 07:42:21 AM »
DS18 works part-time as a lifeguard at an outdoor pool. Obviously, it's important that staff keep hydrated. He has a coworker who drinks off-brand Gatorade because "I'm all about saving money." Other coworkers razz him for buying the knockoff, to which he replies, "It's cheaper than water!"
In the guard room there's a free water cooler.
Which would also be a lot more healthier than sports drinks in big numbers.
I bought a pH tester and needed distilled water to calibrate it. I went to Walmart, a gallon of distilled water is $0.81. While waiting in line, the couple in front of me both got a 16oz bottle of water at $1.88 each. $3.76 for 1/4 gallon.
Well, it was convienient!

talltexan

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Re: Overheard at Work 2
« Reply #2752 on: September 25, 2020, 10:43:40 AM »
What do you do with all that leftover distilled water you don't need? (as I type this, I'm ironically taking a couple of pulls from my massive cup of iced coffee)

okisok

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Re: Overheard at Work 2
« Reply #2753 on: September 25, 2020, 10:08:23 PM »
Found out that some of my coworkers don't take advantage of paid company parking because it's too far away and they're usually running late. And so they pay for street parking...mostly. Today they both got parking tickets.

I did the math, and parking costs them about $1,000 a year! With even one parking ticket a month it's about $1,200
 over the course of the year!

The kicker is our supervisor isn't a stickler at all about our in times and it takes me less than 3 minutes to get from the parking spot to the office.

dragoncar

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Re: Overheard at Work 2
« Reply #2754 on: September 25, 2020, 10:35:16 PM »
What do you do with all that leftover distilled water you don't need? (as I type this, I'm ironically taking a couple of pulls from my massive cup of iced coffee)

You can use it in your iron or steamer, or coffee machine

Feivel2000

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Re: Overheard at Work 2
« Reply #2755 on: September 26, 2020, 03:21:44 AM »
In the coffee machine? To do what?

AnnaGrowsAMustache

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Re: Overheard at Work 2
« Reply #2756 on: September 26, 2020, 06:40:00 AM »
In the coffee machine? To do what?

Make coffee?!

dragoncar

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Re: Overheard at Work 2
« Reply #2757 on: September 27, 2020, 01:42:37 AM »
In the coffee machine? To do what?

Make coffee?!

Apparently the coffee gurus out there consider using distilled or RO water bad for coffee flavor, but I like not having to descale my machine (or at least less often).  I'm mostly in it for the caffeine anyway given that I let the grounds sit OVERNIGHT in the basket before the timer starts the brew. 

Feivel2000

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Re: Overheard at Work 2
« Reply #2758 on: September 27, 2020, 04:21:15 AM »
I was never a coffee guru. But I was advised to never drink destilled water.

This might be an urban legend, never followed up on it.

WerKater

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Re: Overheard at Work 2
« Reply #2759 on: September 27, 2020, 05:09:59 AM »
I was never a coffee guru. But I was advised to never drink destilled water.

This might be an urban legend, never followed up on it.
You can drink distilled water just fine. It is just that if you do not eat or drink anything else, you will lack in minerals. But if you eat well otherwise, distilled water is no problem.

Feivel2000

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Re: Overheard at Work 2
« Reply #2760 on: September 27, 2020, 05:21:33 AM »
I was never a coffee guru. But I was advised to never drink destilled water.

This might be an urban legend, never followed up on it.
You can drink distilled water just fine. It is just that if you do not eat or drink anything else, you will lack in minerals. But if you eat well otherwise, distilled water is no problem.

A valuable lesson about the need to challenge knowledge.

I think I'll try my coffee brewed with destilled water!

AnnaGrowsAMustache

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Re: Overheard at Work 2
« Reply #2761 on: September 27, 2020, 05:22:51 AM »
I was never a coffee guru. But I was advised to never drink destilled water.

This might be an urban legend, never followed up on it.

There's an idea out there that drinking distilled water might leach minerals from your body, because it has none and .... osmosis? God knows. Anyhoo, that's not really how water behave when you drink it. As far as your body is concerned, it's just water. Your body doesn't let valuable minerals wander around and leave through urine, unless there's something quite wrong.

TomTX

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Re: Overheard at Work 2
« Reply #2762 on: September 27, 2020, 06:34:08 AM »
I was never a coffee guru. But I was advised to never drink destilled water.

This might be an urban legend, never followed up on it.
You can drink distilled water just fine. It is just that if you do not eat or drink anything else, you will lack in minerals. But if you eat well otherwise, distilled water is no problem.
++

Drinking nothing but distilled water might cause issues longer term (lack of fluoride among them) - I certainly wouldn't worry about drinking some as part of a varied diet.

Brewing coffee with water means the water leaches soluble materials including minerals out of the coffee beans - it's certainly not going to be distilled anymore after it's been through the brew basket! Distilled water should be more efficient at extracting certain compounds, so I can see how flavor would be altered.

Distilled water can cause plumbing issues if not allowed for - brass works great for standard water, but distilled water will slowly leach out the zinc from the brass (typically would still take years though.)

geekette

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Re: Overheard at Work 2
« Reply #2763 on: September 27, 2020, 11:27:16 AM »
Distilled water just doesn't taste particularly good. It's just...bland (and I love water - it's just about all I drink).

elaine amj

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Re: Overheard at Work 2
« Reply #2764 on: September 27, 2020, 11:32:36 AM »
We drink remineralized reverse osmosis at home. When travelling,  DH considers distilled water an acceptable substitute. He's a water snob - Nestle bottled spring water is disgusting lol

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dragoncar

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Re: Overheard at Work 2
« Reply #2765 on: September 27, 2020, 04:02:56 PM »
Distilled water just doesn't taste particularly good. It's just...bland (and I love water - it's just about all I drink).

Taste like watered down water

elaine amj

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Re: Overheard at Work 2
« Reply #2766 on: September 27, 2020, 06:21:05 PM »
Distilled water just doesn't taste particularly good. It's just...bland (and I love water - it's just about all I drink).

Taste like watered down water
LOL!!

Still, water does taste different everywhere, even if u are drinking tap water at different houses in the same city.

I was happy drinking our tap water at home for years. Then DH installed the fancy RO system. I actually didn't like the taste in the beginning.  Of course, now I am used to it and no longer like our tap water.

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merula

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Re: Overheard at Work 2
« Reply #2767 on: September 28, 2020, 08:11:49 AM »
I tried using distilled water in my iron, but it just caused it to leak out into black foam that looked orange so you could see it better.

ixtap

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Re: Overheard at Work 2
« Reply #2768 on: September 28, 2020, 09:26:09 AM »
I tried using distilled water in my iron, but it just caused it to leak out into black foam that looked orange so you could see it better.

What did the investigators have to say?

Valley of Plenty

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Re: Overheard at Work 2
« Reply #2769 on: October 10, 2020, 09:59:20 PM »
I drive a small hatchback.  Sometimes people give me a hard time for not driving a big truck.  I tell them I'm compensating for something.

;)

Not everyone gets it.

ooooh I'm definitely stealing this!

Valley of Plenty

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Re: Overheard at Work 2
« Reply #2770 on: October 10, 2020, 10:47:05 PM »
What I don't understand is why people sell when it's really low.
I have the problem that I not sell when I should because it's slightly in the red even though I know it will go down more. I don't sell because I don't want to make the loss.
Why aren't people refusing to sell then when it is a big loss??

Because it's never clear how close we are to the bottom of the drop. People see their portfolio dropping in value at an alarming rate and fear that it will continue dropping at that rate, so they pull their money out before it loses any more value. The "big loss" doesn't seem big when weighed against the hypothetically bigger loss that they think they'll incur if they *don't* sell.

SwordGuy

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Re: Overheard at Work 2
« Reply #2771 on: October 11, 2020, 07:28:53 AM »
What I don't understand is why people sell when it's really low.
I have the problem that I not sell when I should because it's slightly in the red even though I know it will go down more. I don't sell because I don't want to make the loss.
Why aren't people refusing to sell then when it is a big loss??

Because it's never clear how close we are to the bottom of the drop. People see their portfolio dropping in value at an alarming rate and fear that it will continue dropping at that rate, so they pull their money out before it loses any more value. The "big loss" doesn't seem big when weighed against the hypothetically bigger loss that they think they'll incur if they *don't* sell.

A lot of people DO sell when the immediate spot price for their stocks drops big time.

Why don't I sell?

Because I don't confuse "the immediate spot price for my stocks" as the "value of my holdings", that's why.

I'll give an example using things we all understand, cars.

I buy a really cool antique car for $20,000.   I drive it to work where a colleague sees it and admires it.   We'll call him Sam.

Sam offers to buy the car for $30,000 because he loves this type of car and has always wanted them.    I think about it for a minute and then turn him down.

That night, I go home and say, "Honey, Sam said he would pay $30,000 for our antique car!!!   We just made $10,000!!!"

We're both very happy about how much money we just made.

A month goes by and I come out to my car to find a note on it from someone who wants to buy it for $15,000, but some water splashed on their phone number, so I can't find them.   "OMG!!!!   We just lost $15,000!!!!    We better sell our car to the first person we can find to buy it, before we lose even more!!!"

Substitute "car" with the word "stock" and you'll see how most Americans view their stock holdings.

Now, hopefully, a few things were obvious.   I didn't make a single penny when Sam offered me an immediate spot price of $30,000.   Why?  Because I didn't sell the car.

Nor did I lose money when I learned that some stranger only wanted to pay $15,000 for the car, again because I didn't sell it to them.

In both cases, I still owned the car and it's worth whatever it's worth.

Maybe it's the kind of antique that will grow in value over the years and maybe its' the kind that won't age well.    I dunno.   But  that's got nothing to do with the immediate spot price I'm offered at various times.

horsepoor

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Re: Overheard at Work 2
« Reply #2772 on: October 11, 2020, 04:45:13 PM »
Great analogy, SwordGuy!

Gronnie

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Re: Overheard at Work 2
« Reply #2773 on: October 12, 2020, 08:27:06 AM »
Actually it's not that great of an analogy. In the car example one is likely to be able to find a buyer for the "true" value of the car.

For stocks, this isn't true. Whatever the spot price (or somewhere near that) is what you will be able to sell them for if you need to sell anytime soon.

SwordGuy

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Re: Overheard at Work 2
« Reply #2774 on: October 12, 2020, 08:39:59 AM »
Actually it's not that great of an analogy. In the car example one is likely to be able to find a buyer for the "true" value of the car.

For stocks, this isn't true. Whatever the spot price (or somewhere near that) is what you will be able to sell them for if you need to sell anytime soon.

You may have to wait awhile before you find the right buyer, which is like buying and holding until the market is up again.

All offers to purchase are spot-prices. :)



techwiz

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Re: Overheard at Work 2
« Reply #2775 on: October 12, 2020, 09:16:38 AM »
 
Actually it's not that great of an analogy. In the car example one is likely to be able to find a buyer for the "true" value of the car.

For stocks, this isn't true. Whatever the spot price (or somewhere near that) is what you will be able to sell them for if you need to sell anytime soon.

You will still own the car even if the price drops to zero or if no one wants the car(you could still sell it for scrap or piece it out). With stocks if the company delists or goes bankrupt you end up holding nothing. Being a buy and hold forever investor I have had that happen a few times with individual stocks. Since switching to investing in index funds this hasn't happened again.

SwordGuy

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Re: Overheard at Work 2
« Reply #2776 on: October 12, 2020, 10:15:03 AM »
Dudes.    Really.   Stocks aren't cars.   We all get that.    Even I , who gave the example, get that.

The example was to illustrate HOW REGULAR PEOPLE VIEW STOCKS in such a way that would make it extremely clear to them WHAT THEY GOT WRONG in their thinking about stocks.

It's purpose is to help explain why panicking about a drop in the spot price is foolish and stupid in a way they will both intellectually and emotionally grasp.

That's it.  No more.  No less.

DadJokes

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Re: Overheard at Work 2
« Reply #2777 on: October 12, 2020, 10:19:46 AM »
Dudes.    Really.   Stocks aren't cars.   We all get that.    Even I , who gave the example, get that.

The example was to illustrate HOW REGULAR PEOPLE VIEW STOCKS in such a way that would make it extremely clear to them WHAT THEY GOT WRONG in their thinking about stocks.

It's purpose is to help explain why panicking about a drop in the spot price is foolish and stupid in a way they will both intellectually and emotionally grasp.

That's it.  No more.  No less.

One goes vroom vroom.

The other doesn't.

Montecarlo

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Re: Overheard at Work 2
« Reply #2778 on: October 12, 2020, 11:33:58 AM »
Dudes.    Really.   Stocks aren't cars.   We all get that.    Even I , who gave the example, get that.

The example was to illustrate HOW REGULAR PEOPLE VIEW STOCKS in such a way that would make it extremely clear to them WHAT THEY GOT WRONG in their thinking about stocks.

It's purpose is to help explain why panicking about a drop in the spot price is foolish and stupid in a way they will both intellectually and emotionally grasp.

That's it.  No more.  No less.

I can't drive stocks to work to make more money to buy better stocks, so your comparison is invalid
/troll

NumberJohnny5

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Re: Overheard at Work 2
« Reply #2779 on: October 12, 2020, 12:23:25 PM »

PMG

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Re: Overheard at Work 2
« Reply #2780 on: October 12, 2020, 01:04:47 PM »
But what about stock cars?!?! Isnít that what investing is? Stock car racing?

By the River

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Re: Overheard at Work 2
« Reply #2781 on: October 12, 2020, 01:10:08 PM »
But what about stock cars?!?! Isnít that what investing is? Stock car racing?

What if I buy Ford and GM stocks to see which makes the most money, is that Car Stock racing?

jinga nation

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Re: Overheard at Work 2
« Reply #2782 on: October 12, 2020, 01:19:27 PM »
Dudes.    Really.   Stocks aren't cars.   We all get that.    Even I , who gave the example, get that.

The example was to illustrate HOW REGULAR PEOPLE VIEW STOCKS in such a way that would make it extremely clear to them WHAT THEY GOT WRONG in their thinking about stocks.

It's purpose is to help explain why panicking about a drop in the spot price is foolish and stupid in a way they will both intellectually and emotionally grasp.

That's it.  No more.  No less.

One goes vroom vroom.

The other doesn't.
R/wallstreetbets goes vroom vroom on TSLA.

TheGrimSqueaker

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Re: Overheard at Work 2
« Reply #2783 on: October 12, 2020, 04:18:12 PM »
Dudes.    Really.   Stocks aren't cars.   We all get that.    Even I , who gave the example, get that.

The example was to illustrate HOW REGULAR PEOPLE VIEW STOCKS in such a way that would make it extremely clear to them WHAT THEY GOT WRONG in their thinking about stocks.

It's purpose is to help explain why panicking about a drop in the spot price is foolish and stupid in a way they will both intellectually and emotionally grasp.

That's it.  No more.  No less.

One goes vroom vroom.

The other doesn't.

But they both crash from time to time.

zolotiyeruki

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Re: Overheard at Work 2
« Reply #2784 on: October 12, 2020, 04:42:13 PM »
But wait, Teslas *don't* go vroom vroom.

jinga nation

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LennStar

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Re: Overheard at Work 2
« Reply #2786 on: October 13, 2020, 03:47:07 AM »
But wait, Teslas *don't* go vroom vroom.
They are legally mandated to go *something* though. But what the Teslas say I don't know. Or what the mech says.

https://www.youtube.com/watch?v=FF6HYNqCDLI


Sibley

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Re: Overheard at Work 2
« Reply #2787 on: October 13, 2020, 02:52:00 PM »
But wait, Teslas *don't* go vroom vroom.

Yet. If they think that people want to hear vroom vroom, then they'll have the computer play vroom vroom over external facing speakers.

Just Joe

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Re: Overheard at Work 2
« Reply #2788 on: October 14, 2020, 02:01:50 PM »
Do stocks ever rust out?

j/k, j/k...

LetItGrow

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Re: Overheard at Work 2
« Reply #2789 on: October 14, 2020, 06:51:39 PM »
I tried using distilled water in my iron, but it just caused it to leak out into black foam that looked orange so you could see it better.

What did the investigators have to say?

Not sure, they vroomed off in a stock certificate.

Montecarlo

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Re: Overheard at Work 2
« Reply #2790 on: October 14, 2020, 07:19:20 PM »
I tried using distilled water in my iron, but it just caused it to leak out into black foam that looked orange so you could see it better.

This has been bugging me all day.  Can someone explain the joke?

zolotiyeruki

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Re: Overheard at Work 2
« Reply #2791 on: October 14, 2020, 07:50:22 PM »
I tried using distilled water in my iron, but it just caused it to leak out into black foam that looked orange so you could see it better.

This has been bugging me all day.  Can someone explain the joke?
Several years ago in this thread there was a rather length off-topic discussion of airplane "black boxes" and how they're actually orange, and related stuff.  Since then, such off-topic posts came to be known as "foam."

dragoncar

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Re: Overheard at Work 2
« Reply #2792 on: October 15, 2020, 12:09:58 AM »
I tried using distilled water in my iron, but it just caused it to leak out into black foam that looked orange so you could see it better.

This has been bugging me all day.  Can someone explain the joke?
Several years ago in this thread there was a rather length off-topic discussion of airplane "black boxes" and how they're actually orange, and related stuff.  Since then, such off-topic posts came to be known as "foam."

It was only like 2 pages, people.  Get over it!

https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work/msg434327/#msg434327

Also, reading that it doesn't seem to be the origin of the foam. Can't remember where that started.

Ok I found it.  Started a few pages earlier after off-topic discussion of espresso foam.  YOU'RE WELCOME

https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work/msg412005/#msg412005

Do I now receive a PhD in Mustachian History?
« Last Edit: October 15, 2020, 12:17:41 AM by dragoncar »

AnnaGrowsAMustache

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Re: Overheard at Work 2
« Reply #2793 on: October 15, 2020, 01:10:11 AM »
I sometimes wonder if MMM reads this stuff, and what he might think of it when he does. And yes, you get a PhD in Mustachian History.

RetiredAt63

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Re: Overheard at Work 2
« Reply #2794 on: October 15, 2020, 06:02:30 AM »
I sometimes wonder if MMM reads this stuff, and what he might think of it when he does. And yes, you get a PhD in Mustachian History.

He created his own Matrix.   ;-)

GreenToTheCore

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Re: Overheard at Work 2
« Reply #2795 on: October 15, 2020, 09:51:59 AM »
I tried using distilled water in my iron, but it just caused it to leak out into black foam that looked orange so you could see it better.

This has been bugging me all day.  Can someone explain the joke?
Several years ago in this thread there was a rather length off-topic discussion of airplane "black boxes" and how they're actually orange, and related stuff.  Since then, such off-topic posts came to be known as "foam."

It was only like 2 pages, people.  Get over it!

https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work/msg434327/#msg434327

Also, reading that it doesn't seem to be the origin of the foam. Can't remember where that started.

Ok I found it.  Started a few pages earlier after off-topic discussion of espresso foam.  YOU'RE WELCOME

https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work/msg412005/#msg412005

Do I now receive a PhD in Mustachian History?

THANK YOU

But seriously, now that you've done the work I think it would be fun to have a Forum History thread in the "Forum Information & FAQs" section.
They're almost like Forum Inside Jokes. What other inside jokes do we have?

solon

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Re: Overheard at Work 2
« Reply #2796 on: October 15, 2020, 10:25:09 AM »
I tried using distilled water in my iron, but it just caused it to leak out into black foam that looked orange so you could see it better.

This has been bugging me all day.  Can someone explain the joke?
Several years ago in this thread there was a rather length off-topic discussion of airplane "black boxes" and how they're actually orange, and related stuff.  Since then, such off-topic posts came to be known as "foam."

It was only like 2 pages, people.  Get over it!

https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work/msg434327/#msg434327

Also, reading that it doesn't seem to be the origin of the foam. Can't remember where that started.

Ok I found it.  Started a few pages earlier after off-topic discussion of espresso foam.  YOU'RE WELCOME

https://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work/msg412005/#msg412005

Do I now receive a PhD in Mustachian History?

THANK YOU

But seriously, now that you've done the work I think it would be fun to have a Forum History thread in the "Forum Information & FAQs" section.
They're almost like Forum Inside Jokes. What other inside jokes do we have?

@sol's blender thread should make the list

Valley of Plenty

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Re: Overheard at Work 2
« Reply #2797 on: October 16, 2020, 12:40:30 AM »
Dudes.    Really.   Stocks aren't cars.   We all get that.    Even I , who gave the example, get that.

The example was to illustrate HOW REGULAR PEOPLE VIEW STOCKS in such a way that would make it extremely clear to them WHAT THEY GOT WRONG in their thinking about stocks.

It's purpose is to help explain why panicking about a drop in the spot price is foolish and stupid in a way they will both intellectually and emotionally grasp.

That's it.  No more.  No less.

I can't drive stocks to work to make more money to buy better stocks, so your comparison is invalid
/troll

I need a bumper sticker that says "My Other Ride is an Investment Vehicle"
« Last Edit: October 16, 2020, 12:42:47 AM by Valley of Plenty »

Freedomin5

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Re: Overheard at Work 2
« Reply #2798 on: October 16, 2020, 04:08:22 AM »
Dudes.    Really.   Stocks aren't cars.   We all get that.    Even I , who gave the example, get that.

The example was to illustrate HOW REGULAR PEOPLE VIEW STOCKS in such a way that would make it extremely clear to them WHAT THEY GOT WRONG in their thinking about stocks.

It's purpose is to help explain why panicking about a drop in the spot price is foolish and stupid in a way they will both intellectually and emotionally grasp.

That's it.  No more.  No less.

I can't drive stocks to work to make more money to buy better stocks, so your comparison is invalid
/troll

I need a bumper sticker that says "My Other Ride is an Investment Vehicle"

I need this sticker for my bike.

SwordGuy

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Re: Overheard at Work 2
« Reply #2799 on: October 16, 2020, 08:00:02 AM »
Dudes.    Really.   Stocks aren't cars.   We all get that.    Even I , who gave the example, get that.

The example was to illustrate HOW REGULAR PEOPLE VIEW STOCKS in such a way that would make it extremely clear to them WHAT THEY GOT WRONG in their thinking about stocks.

It's purpose is to help explain why panicking about a drop in the spot price is foolish and stupid in a way they will both intellectually and emotionally grasp.

That's it.  No more.  No less.

I can't drive stocks to work to make more money to buy better stocks, so your comparison is invalid
/troll

I need a bumper sticker that says "My Other Ride is an Investment Vehicle"

@Valley of Plenty , that's awesome!!!!!    I'm making that sign to put on my quadracycle surrey bike!!!