Joe Ponzio

I help financial advisors work less & make more money through software & automation. Value investor, maker, multiple exits. Tried retiring - it bored me.

[Joe Ponzio @JoePonzio]

Good management weighs the options. If they have excess cash that they can’t deploy at high returns, then they should either distribute it if the stock price is fair or high, or buy back stock if it’s undervalued and the expected long term return is higher than shareholders could expect elsewhere.

But if they routinely expect to generate tons of cash they won’t be able to redeploy, a regular periodic dividend is a way to reward long-term shareholders.

[Joe Ponzio @JoePonzio]

@mkobach Wrong. @bankertobuilder put these in to be both kid and adult friendly stairs.

[Joe Ponzio @JoePonzio]

@thdxr You can. Exactly once.

[Joe Ponzio @JoePonzio]

@SamRo Analysts predict that it will be up by 0.3% YTD by this time in 2028.

[Joe Ponzio @JoePonzio]

Can we stop with the clock changing debate? It’s an hour. You’re an adult. Get over it.

[Joe Ponzio @JoePonzio]

@staysaasy I drove my kids everywhere. Great conversations. Bonded like crazy. It would be a shame if parents offloaded that to robots so they had more time for Netflix and Starbucks.

[Joe Ponzio @JoePonzio]

@SandyofCthulhu The US is only 250 years old. Our mountains are just younger than those in other places of the world.

[Joe Ponzio @JoePonzio]

@HansMahncke It’s trained on Reddit. Of course it has anxiety.

[Joe Ponzio @JoePonzio]

@KettlebellDan Worked for Stewart Smalley

[Joe Ponzio @JoePonzio]

@DschlopesIsBack Impossible. You only have 32 teeth.

[Joe Ponzio @JoePonzio]

@bankertobuilder This is exactly why spray foam expands - seals all those gaps. Inspector is obviously just trying to shake the builder for a kickback.

[Joe Ponzio @JoePonzio]

@ThePrimeagen Openclaw copy this business and scale to $1 billion. Make no mistakes.

[Joe Ponzio @JoePonzio]

@tonyrigatonee Tell me you can’t afford a swatch watch without telling me you can’t afford a swatch watch.

[Joe Ponzio @JoePonzio]

@MarkTMeredith Variable annuity salespeople be like…

[Joe Ponzio @JoePonzio]

Maybe that’s too hash. 97%?

[Joe Ponzio @JoePonzio]

3.5 million pages of flight logs, emails, photos…and nobody will face the music. The political class will keep getting richer, spending our money, and looking out for themselves. Politicians shouldn’t be powerful - they should be servants of the people. 99% of them need to go.

[Investment Wisdom @InvestingCanons]

“If you just get up every morning and keep plugging [away] and have some discipline and keep learning, it's amazing how it works out okay.”

“I did not intend to get rich, I wanted to get independent.” — Charlie Munger

[Joe Ponzio @JoePonzio]

@greiser Transfer it before that date or the bank/brokerage will eventually turn it over to the state’s unclaimed property division. And they’ll eventually liquidate and keep it. So yeah - don’t let this happen.

[Joe Ponzio @JoePonzio]

@engineers_feed 460,000 miles of open road and no cops? I’m not doing 75.

[Joe Ponzio @JoePonzio]

@raroque Check out the USFDA API. You can grab all sorts of food items - including restaurants and brand names - and store them in your database immediately rather than waiting for someone to search for a new item. Zero cost, then your AI bill is just to handle edge cases.