💼 Careercow Roy "Dr. P" Philipose - Delusional "Super Genius" Who Gets Assblasted by Trolling Daily; Tried to ask Elon Musk for a CEO Job.

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AprilRains said:
I skipped a funny one:
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A house can indeed be an asset. How did Roy get a bachelor's degree in anything at all while not knowing that a house will generally appreciate in value? Or even a high school diploma?

Of course, Roy does not own a house, so this may be sour grapes. Alternatively, given his recent tweet about his brother having financial woes, it may be that the house Roy lives in is owned by his brother and is depreciating in value. But why would that be? Well, it's possible that Roy fails to maintain the property. If so, this casts his recent tweets in a new light. The problem, in this case, is not owning property. It's renting to lazy, smelly, filthy relatives.
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Because Robert Kiyosaki said wasn't an asset. I read RDPD back in the day and there's some weird opinions in it. Kiyosaki's argument is because you have to live in your house, you can't sell it or derive an income from it because then you'd be homeless. If it appreciates in value you can only realise that gain by selling it, but you'd need to buy another house to live in.

I kinda get what he's on about, not considering your primary residence as part of your asset portfolio and not sinking unnecessary money into it that you could put somewhere more liquid or with a better rate of return, but the way the book is worded it seems to imply you ought to live in your car to become as rich as possible. It's a weird mindset but one I have come across before, where people prioritise wealth above their happiness, Scrooge style. For me at least the point of wealth is that it improves your life in some way rather than just being a number next to your name. Though with his multiple bankruptcies Kiyosaki doesn't have a very big number next to his name anyway.

Basically Roy is parroting bad financial advice from a book written by a proven liar who went broke anyway.
 
Spunt said:
Because Robert Kiyosaki said wasn't an asset. I read RDPD back in the day and there's some weird opinions in it. Kiyosaki's argument is because you have to live in your house, you can't sell it or derive an income from it because then you'd be homeless. If it appreciates in value you can only realise that gain by selling it, but you'd need to buy another house to live in.
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Oh is that where all the REEEE YOUR HOUSE ISN'T AN ASSET sperging comes from?

As you say, I get it, replacement cost is a thing. But if my house appreciates enough and I sell, I'm moving into a lower cost area. Or into an apartment - which I don't wanna do but age does things to you man. And at that point, that capital appreciation sure as fuck does matter.
 
Mikoyan said:
Oh is that where all the REEEE YOUR HOUSE ISN'T AN ASSET sperging comes from?

As you say, I get it, replacement cost is a thing. But if my house appreciates enough and I sell, I'm moving into a lower cost area. Or into an apartment - which I don't wanna do but age does things to you man. And at that point, that capital appreciation sure as fuck does matter.
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Exactly this. A house is most certainly an asset.

An elderly woman, who has lived in a home she bought 20 years aho at 250k, decides she doesn't want the upkeep of the house, and moves into one of those 55+ and up residential neighborehoods with small townhouse style homes/apartments.

She sells the home for at least 400k+, and now just has a monthly rent for the townhouse. That to me is a no brainer. The house was most certainly an asset for her.

But as others have said. Roy is too cringy and poor to be a homeowner, so its a sour grapes situation.
 
I guess Instagram was too hard (or not as fun) for our boy, here. Couldn't help but gloat at a rich person dying:
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Edit: Looks like I missed a few.
Turns out he had a boomer moment:
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Other ramblings:
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️ronic said:
Who woulda thunk that posting fourty replies over the course of several days under every single tweet that makes you upset would trigger Twitter's spam detection? Color me shocked.
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Unhinged replies that are peppered with a bunch of irrelevant mentions and hashtags, yeah.
 
️ronic said:
I guess Instagram was too hard (or not as fun) for our boy, here. Couldn't help but gloat at a rich person dying:
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Edit: Looks like I missed a few.
Turns out he had a boomer moment:
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Other ramblings:
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That last one hurts my brain. If you had the most powerful weapon ever created, what possible advantage would you derive from giving it to your enemies? Other than making a film about it 70+ years later, of course.

Roy, the squirrels in your brain are making you tweet stupid shit again, go get some meds.
 
Oh boy lot to catch up on be ready for a long one ..from me. Shocking.

Wow. We all know Roy is a true dirt merchant of a human. Normally his insane tweets can be listed off as power fantasy and childishness. Flat poor empathy "I am not rich I'm glad people suffer" while disgusting, it's far from rare especially online by dunder heads wanting "fame" or retweets.

This absolutely fucking block headed failure of a man giving his brother a book on wealth building. I would bet my last dollars doo and Bitcoin the conversation was not as Roy frames it but more of "So Roy going to you know pay rent or uhh help out with the bills? You are a diamond level 2 and all smarter than Elon maybe you could get a part time gig and you know help cover fact we pay for you." Speaking of that Roy made at least 40k his time at Vanguard his debts haven't been paid. Where did the money go?

Roy then went on some no eye contact mumbling about economy is bad only I can fix it with Elon kun.

Instead of applying for work he steals a library book and hands it to his brother "see now you can work harder and from now on Friday pizza night I want two toppings since I gave you the key to unlock wealth".

Then fatly shuffles back to his room, with a brief stop to grab 4 Pepsis out of their fridge.

Roy's the kinda trash who dropped coupons for dry cleaners in a tip jar. This legit isn't the most vile but by far the most scumbag act he has pulled. He's the fucking retard who published this!!

Even if we take his story at face value and we shouldn't, he still comes off like a dick. A family member asks for support and you just hand a book over one you mentioned already have done. So either he doesn't use it or it doesn't work for him. Did you provide probably what he needs most? An ear? Of course not! Did you go well I'm the stock wiz I can float you a few G? Oh wait YOU'RE WHY HE'S BROKE!

What next Roy going to a bar and getting flat plastered refusing to pay because you drank the booze an achy would have and stopped a drink driver? I can see you pulling a stunt that low.

Roy sperg tweets over and over and shocked a filter hits him? Incredible. I don't doubt his self importance is high enough he thinks this was targeted not a bot. Remember he thinks Elon blocked him not he just doesn't care about the millions of faggots sperging at him 24/7. Also he's bitching about free speech AND 230. That's yin and yang my dude. I guess Roy who doesn't think the EULA applies to him feels like a victim. Making fun of murder victims is well free speech but Twitter isn't free speech and being dunked on for it is free speech.

I hope Roy just accepts he's not getting into the system ever again an goes full sov civ. Roy in his basement nation of fcapistan refusing to reply to messages unless referred to as herr Resichdpajeet and sending requests to the UN for food aid as there's a national emergency lacking BBQ corn chips.

Eh, broken clock theory for the home as an investment thing, still only sort of. Preface I have about 15 months still my home is paid off. Was it a good investment yeah? Did I also dark side Phil my life to buy a house to impress a girlfriend who I'm not longer with? Also yes.

Homes sadly are most people nest egg or best asset. It's also where you live. So depending on many factors a home is and is not an investment. When I look at a stock or a bond any security vehicle it's easy to see is this a good buy? By default it's an investment.

Upkeep, taxes (paid thru rent also but MFD have different costs so see above case by case) school district, and upgrades all factor in also for condos etc HOA dues.

When you have a family or career etc moving isn't as easy. If you hustle you can make good money on flips buying up and coming areas and then you can get hosed too.

In defense of homes being an investment when markets go up and rates down if you have a solid winner or something HEL make sense mostly they are used by stupid boomers or for renovations.

Quality of life is a thing many areas it's cheaper to own than rent assuming you have a down payment of something. I really don't need to explain more how this is a mixed bag .

When. I hear I made x on my house play nice assume rent as 100% costs factor in upkeep and additional expenses then take the down payment and compare to a rough 7% roi on stocks and remember to factor inflation! Making 100k over 30 years is a fucking joke had you rented and put that cost away to stocks not even bangers you be ahead. Otherwise there's people who go up 50k in house in a year.

Realtors always say it's an investment because why the fuck would anyone sign up for a 30 or more year note to not make money and assume risks nornally cared for by a land lord. Plus more you invest in the. The bigger their cut and remember their union just paid over a billion out for lying to clients about value of houses as investments.

I don't think it's warranted to get more into how to weigh home investment vs rest of a portfolio. It's so case by case. Hit my DMs if you'd like to chat or link a thread in the biz section I'll help.

Roy will never buy a home or rent. He's the family do nothing. I don't want to say black sheep because black sheep still have wool. RDPD yeah doesn't ever factor what you want from life. When you talk to anyone in finserv it's our duty to make sure you feel comfortable with day to day before you put money to work. Someone may be able to deal with ramen noodles to retire at 55 another wants a hot tub even if that means jr isn't getting free college or they can't buy a new car.

Good old Roy making sure he's hire worthy in an era you can't say "shit" in the office less you offended a scat fetishist. He isn't a one off drunk tweeting or chimp out it's methodical everytime someone wealthy died he spits on their grave. Not only is that truly sociopath behavior he doesn't even do it in private like a Saturday morning cartoon villain. He goes out of the way to tell the entire Internet, the same one that HR uses when they look to hire.

Roy knowing nothing of economics points of the country with inflation that surpassed Hungary and post war Germany (WW1) as a stable system . Oddly enough trying to keep awake on my train ride to work I listened to a pod cast about how the Nazi economy while is famed was also a ponzi scheme. Even I a history buff and economist didn't know the depth. If I may for a minute while people decry the Nazis for good reasons no one seems to shit on their economic growth. I suspect part of why them being fakers as well is suppressed instead another reason national socialism is bad, is because it sells us on a get rich quick scheme. Legitimately there is no greater come back economic wise than what they did. Burning money because cheaper than wood to fucking guided missiles in a decade as well as all the leftist programs free college etc. I won't history sperg more but, I suspect there's reasons people don't want to shame the Nazis for faking economics. Mostly because they want to do it to you. Looking at you FED.

Roy then picks a socialist failed and in 2000s worst inflation nation. Vuvz have oil lots of it. Man power cheap. Why are they poor? Next door Brazil is about size of us in land mass and population. They got to set a wall up to stop people sneaking in. Roy some how thinks a brown nation kicked the whites out then for fucking scrap metal tore apart oil derricks that Americans paid for and built is whiteys fault. Id chalk that up to the commie government who was well not white. Not that race has a factor but only a socialist could come up with a plan as dumb as sell you my cars wheels for 50 bucks and lose my job because I can't go to work that paid 5k a month.

Actually Roy who sadly like most Americans learns history from TV. The functional atom bombs were made in the US England was behind and Germany tried the wrong way (heavy water) but had paper work yet no money men or materials by time they found their error. Also their program showed us what not to do

We didn't share anything. Even to our closet allies at the time the Brits. Two non Americans took it upon themselves to give the USSR our info. They were hung rightfully so. Roy since you're such a a racist I'd like to point out those people were Jews.

In regards Roy is too uneducated to talk about this or well anything but like so many people he skips the fact and point. Refuting the center point is how to debate or be heard it's speech one ought one. Legitimately the Greeks the Muslims early mid evil Christian scientists all are very strict on this. Nothing you say matters if you walk from the point.

While I have my own views as we all do on immigration Roy you're in Philadelphia the worst people we have are legally here Ricans are running almost all the slums section 8 and will make it clear you're their bitch and tentant. They run fent trade. Those black kids who shot up a school bus last week all from here born and raised in Philly.

This doesn't mean lots of illegals aren't a problem. Neither side wants to fix this there's too much money in it for the rich. By rich why does that always mean government employees?

Right now the loudest outcry against immigrants is from blue mixed race areas. Care to explain Roy? Just those filthy nigg.... Former slaves not sharing their hard earned welfare checks right? Or is it because the poorest untrained labor is most hurt by cheaper poor untrained labor.

Something people don't talk about us the massive boost of grey market economy from illegals. Grey market is off books but legal work for example, I pay you 2k cash to paint my house. Uncle Sam doesn't know. While the act is legal hiding tax over 600 isn't. Also you removed a job from a painter. Illegals do have it best of both ways they work in kitchens, labor etc taking in about 30k (this area avg) cash almost ,50k for a tax payer. Then because they are not in system they get section 8 free food etc.

Compare no bills 30k cash to 50k salary. That's why you see big rims on every Latinos truck. Also we are one of the only nations who doesn't tax money leaving the US . It's absurd and if you look what we lose per year it's in the billions talking what pacho sends grandma is enough to cover a few aircraft carriers. We don't even tax it! I'm far opposed to sending money but I'll skip why, I just feel a tax is justified. At very least it's luxury if you can give someone a dollar even you have more than you need.

Oppenheimer was a interesting cat, movie was pretty good but also a film . Old Robbie had a plan about using nuclear waste powder to nuke all germans food basically starving them for 100+ years. So that whole boo hoo I didn't know I was going to hurt people was drama. I did see a great meme where Truman was talking to Oppenheimer and said "drop those bombs this is maga country!!" Also a good read Truman's memoir about that choice. The fire bombing we did killed way more and as a grandson of a vet basso would not be around had Grandpa had to deploy on main land. Day X as it was called they suspected over million deaths for the invasion. It's a hot debate and I personally enjoy it because I think both sides are right and wrong so I enjoy hearing how you came to your views. Unless your Roy who thinks it's white supremacy or something retarded.

Edward Teller would have made a better movie the dude loved pussy and smoking. He was know for chain smoking doing math and sneaking hookers into the base. Rumor is one time he fucked some whore in the same room with a live atom bomb (but not armed) FUCKING BASED!! He's also one of the great minds we have nutty professors achy type from. (Other being Einstein and Adam Smith father of modern economic theory)

In fact Roy since you love to see yourself among the greatest Andrew Carnegie never even got to college so you have a huge leg up. Hersey went bankrupt many times and even your boy Dave Ramsey lost it all a few times snd much like you had family bail him out.

No nigga really been hungry till he hungry for real. I forget what rapper I'm quoting I think Lil Wayne. But definitely not faggot ass Meek "sucked a dick to get my wallet thick" Mills . Maybe ask Meek for a loan try checking all those gay bathhouses in the gayberhood.

In ending, I'll be full a log. Roy after how you've treated you family and this last insult I hope you have to spend a week or so on the streets. I don't think anything else can slap some respect into you, you utter vile pig man.
 
Been stalking on this thread for a while now, been a fun read and did I missed anything particularly important? I saw that his portfolio thingamajig just went up drastically from the previous one(I think it was from another site named tipcents? Correct me if I’m wrong ) in a site named tipranks?

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Yes, it's definitely because you spoke out against those evil whities. That is 100% why they limited you. Gotta keep the brown man down!
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Roy needs whities to improve his quality of life, because he keeps failing at doing it humself:
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Random sperging at The Man:
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Another day, another gloatpost about a mass shooting from Roy, who is doing everything he can to remain unemployable:
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I guess he's no longer into Elon now that he thinks that Musk himself has blocked him on Xitter:
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AprilRains said:
Another day, another gloatpost about a mass shooting from Roy, who is doing everything he can to remain unemployable:
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I guess he's no longer into Elon now that he thinks that Musk himself has blocked him on Xitter:
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If he thinks that Elon has blocked him then what's the point of replying to his tweet?

Then again, this is Dr. Genius we're talking about so... checks out.
 
What...how the hell would he have earned stock worth a million dollars? Even if they had been selling stock then, how would he have earned that much equity? How many other people were driving for Uber and Lyft at the time? How could they all have earned that much stock each?

I know it's a fool's errand to try to follow Roy's (il)logic, but I can't grasp his line of thought. I think he's just greedy and lazy, but that particular tweet takes the cake for me.
 
AprilRains said:
I skipped a funny one:
View attachment 5803552
A house can indeed be an asset. How did Roy get a bachelor's degree in anything at all while not knowing that a house will generally appreciate in value? Or even a high school diploma?

Of course, Roy does not own a house, so this may be sour grapes. Alternatively, given his recent tweet about his brother having financial woes, it may be that the house Roy lives in is owned by his brother and is depreciating in value. But why would that be? Well, it's possible that Roy fails to maintain the property. If so, this casts his recent tweets in a new light. The problem, in this case, is not owning property. It's renting to lazy, smelly, filthy relatives.
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Adding to what Spunt already said, he's somehow managed to misunderstand the phrase he's quoting.

Kiyosaki narrowly defines an asset as something that gives you monthly cash, like rental properties and dividends, as opposed to the unrealised gains of a house price appreciating (this is a dubious definition used to sell you on a get rich quick scheme).

Roy, by including "increases in value over time", has completely undermined this point - now an appreciating house *is* an asset. Clearly he's just parroting a phrase he thought sounded smart, in the process making it even dumber.
 
Welcome to Roy watching and the site. Roy has a history of nuking his tips ranks when they don't have banger results. He must be a real hoot to play penny ante poker with.

Roy's demands for money really make him sound like the screaming shopping cart filled with empty plastic bags kinda hobo. I guess I never really hit on the most basic point because I tend to point out the flaws in his logic or sanity but, why not log the fuck off? Watch a TV show you didn't enjoy? Sue NBC! Dinner not so hot? Sue Mrs basso (who forgets to season one side of the chicken thighs? Lol). People acting like assholes on Twitter? Wow color me shocked, now you know why I have zero social media.

While not trying to bring up the politics, probably no one has been insulted online both just and unfairly as Trump he went and built his own Twitter. Trump's a boomer not even a leet hacker level 7 geode Hindu powered jerk off crystal. Donnie made his own and he's getting paid big off his hacked up botnet site that no one uses. Roy should GoDaddy himself royetter like Twitter but for fat jobless people... So basically Twitter. Like he just shouts give me money, Roy doesn't start lawsuits build his own social media etc. While crying victim still addicted to their service. It's as cringe as those college kids with a brand new MacBook and a hammer and sickle sticker on it.

Don Lemon is literally word for word a gay nigga. He's pretty dumb, the original meaning of the N word an he lets men fuck him, homosexual. Dude got washed out of his diversity hire gig and let go again. He's a life long failure not a surprise he blew something with someone as unstable to interview as Elon. Don you need work, why not hang out with faggot Meek and listen to what it's like to eat a man's ass for a record deal. I'm sure one of those neo lib or blackosphere online rags might pay you up to 130 dollars. Plus Meek might touch your penis.

Roy's mad about "the man" running the system? How many black leaders do we have or have had? The leadership of Philadelphia is a lot of things but it ain't overly white. The shooting was gang related. I'm pretty sure the Rittenhouse square people are not as effected because they don't drop out of highschool and blast each other over drug sale turf. Actually he claims the police etc are there just for the rich.. explain why kicking junkies out of K&A they ended up in center city? Where the big movers and shakers are. Now lawyers doctors hedge fund managers have to step over rag men who choose fent over well anything including a roof or food.

Roy calls his homeland a third world country lmao. 100% this guy has some wack race fetish shit. He's not just a bigot this dude has to sexualize this. Fucking weirdo. Also I'd like to point out black adults who SHOT KIDS ON A BUS GOT BAIL! We really need Frank Rizzo back he'd have those scum fucks beat to death before they got to the round house. I really hope they don't get pussy Meek safety PC and are getting stomped in gen pop.

This shooting is disgusting and.. as Roy claims no one cares why is it headline news for days? His racism blinds him to the fact he's tweeting a top news article saying it's not news because rich white people weren't shot. Fuck me that's confusing levels of dumb.

Friendship ended with Elon Doritos are new best friend - Roy the NEET who's mad he won't own Mars but too poor to ride the broad street line.

Part of me wants to dismantle Roy's absolutely comical demands to ride services but first let me point out, they are the monopoly breakers!! Taxis and limo services were/are the monopoly. In NYC a taxi cert per cab is 250k. Uber is a free app. Roy gets ripped off by an open rip off that panders to the poor. I am sorry I won't sperg my distaste here but their cut system is clearly made to exploit poor people who lack concepts of the future and upkeep.

Roy is the golden calf to them I trashed my bros car brought back it bald tires and empty on fuel but made 82 bucks HUSTLE!

He's flat incorrect about stocks he's entitled to nothing. There are employee owned corps and stock options for public corps. Roy worked for them as a contractor before they were public so they chose to not use him for the small amount of private stock legally issuable. When they went public they felt he put so little into the corp and was not actively working there no reason an ex employee should get prefered shares. He was one of many dumb poor people who didn't stick around when they made it big not was he an employee proper. He's entitled to nothing .

Reading that shit I had a bit of an AHA moment. For all the demands and threats Roy makes they are toothless. But he's a scammer and scum bag. How much of this do you think is his broke brain trying same scams he does on assistant management to mega corps? I'm 100% he feels justified and ethical lying to get free fast food. The fly in my soup I won't pay kinda guy. Everyone in customer service knows these scammers and most are trained just fucking appease the Karen.

Roy has no friends etc so his only interaction with humans is bullying the local burger king mods for free onion rings. He thinks this is sign of his power and tries this towards major corps for millions of dollars. It would explain why he keeps screaming into the void.

Lastly while I took a different certification than Roy one thing we were extensively tested about was related to what his 7 covers stocks. It really disturbed me Roy not understanding how stocks are formed and whom is entitled to shares or their sale.

This leads me back to his bullying. Either Roy somehow is so inept and was given a pass or more likely he'd a dumb mother fucker who knows better than he leads on and tried to lie to get things out of people. Problem is he ain't slick and his demands are way more than the free soda he ripped off the Wendy's down the street.
 
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So, I guess it's 30 years that it took him to get a bachelor's. If it takes you 30 years to do something that most people can complete in 4-5, I think you should pay the bill yourself.
Being passive aggressive at family members again:
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Whelp, Google is your friend, Roy. Just pick up a decent microphone from Walmart and get started! I'll be the first to tune in!
Elon, Roy tweeted/emailed/blog posted at you at some point that you need to focus on food and housing! Why do you keep ignoring this man?
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