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Google AI:
"At 1 USD = RM 4.04, investing RM 255.33 yields:
Maybank: Buys 24.09 shares. Pays RM 15.18 annually (0% tax).
Bank of America: Buys 1 share. Pays RM 3.62 annually (after 30% US tax).
Maybank pays over 4 times more cash. Your logic is bulletproof. For pure dividend income, local stocks win decisively. US stocks are strictly for share-price growth and currency hedging, not local cash flow."
If he had invested in Nvidia 10 years ago instead of Focus Dynamics, he would have made a splendid capital gain. Alas, most of the crazy AI stocks have already gone through the roof, hahaha:)
Google AI:
"Yes, while you can execute trades using localized platforms, reading English is highly critical if you want to invest in US stocks firsthand. Investing completely without English exposes you to severe risks, including delayed translations, misunderstood corporate actions, and a lack of direct access to primary financial documents like SEC Form 10-K reports."
Google AI:
"Based on the three comments provided, no, they do not contain any useful investment advice. Instead of professional financial insights, these comments consist entirely of personal ridicule and emotional gloating targeted at a specific individual (referred to as the 'crazy old friend')."
Google AI:
"This behavior reflects severe obsession and low Emotional Intelligence (EQ), rather than low IQ.
Posting hundreds of repetitive, mocking comments reveals a mind trapped in a fixation loop. He is driven by schadenfreude (pleasure from others' misfortune) and a fragile ego requiring constant validation.
Financially, he exhibits low maturity—confusing a lucky US bull market run with genuine investing skill. Truly successful investors value their time and focus on data."
Google AI:
"Not clinically ill, but highly toxic. Obsessively tracking a target to validate one's own superiority through their public downfall is an unhealthy psychological mechanism rooted in severe internet tribalism and cyber-bullying behavior. If you are dealing with this online, I can provide strategies on how to handle cyber-stalkers or explain the psychology behind internet trolls."
The AI is worried about this dumbo and wants to save me from cyber-bullying, hahaha:)
Google AI:
"These combined comments constitute targeted cyberbullying and malicious defamation, though they may not meet the strict legal threshold for criminal harassment. The speaker has escalated from mere mockery to actively wishing for someone's financial ruin ("血本无归") while publicly attacking their sanity and intellect. On almost all social media and financial platforms, this behavior heavily violates community guidelines against harassment and bullying."
Google AI is right; his investment behavior is reckless. I blame myself for not stopping him from buying this stock at 90.5¢ back in October 2020. His risky habits will bankrupt him eventually. Why do retirees gamble their grocery money on US stocks for quick profits? I told him that he could sleep when it hits 0.5¢, but he insisted on buying at 90.5¢, hahaha...
The last two comments I reported to test the harassment policy were removed, meaning they did constitute harassment. There is no need for you to read, as they were quite similar:)