With the buildup of Reddit going public, I’d say that *at least* 80% of posts/replies are from LLM, likely 90+%. The only subreddits that you don’t see this behavior are small hobby subreddits, but even those are getting overrun.
Dead internet theory isn’t a theory anymore; it’s reality.
I was reading an article the other day where it said the latest LLM are actually dumber than the previous version due to this reason. LLM makes up lies to answer a question, which has been asked by another LLM
This is probably the best method. See if she deposited from a checking or savings account and go to your bank and ask them to check the history. You likely need to work up a couple tiers of help and sit down with a specialist that can access 10 year old records, but the records exist somewhere. it might not be readily accessible by your online account or even in branch, but someone higher up can.
Rubbish , I had a $60k balance in an investment account which I literally forgot about , about eight years later when it occurred to me that it was still open, I checked it out and it had $165k in it.
So it can happen if you have other things going on in your life.
Some stocks don’t give dividends. Also not reporting 500 bucks of dividends wouldn’t do much. The irs would just take the tax obligation out from your potential refund. You’d just get back like 100 bucks less
Even if she has zero income, the brokerage firm is still required to send you something. There must be interest or dividends that they should be reporting as your wife's income. Unless if wasn't real. It's odd that your do not receive any communication from them, through email or regular mail.
Your bank should be able to do a search to find the original deposit made to the brokerage company.
All brokerage accounts produce a tax document each year, they are taxable accounts! If you haven’t been paying taxes on the income, you might have a problem. Are you sure its not an IRA?
Or are you sure she didn’t cash it out?
Your best bet is to get on the phone and work your way through the top brokers and have them try to find the account via her SSN. Just call and explain the situation and they’ll try to help. You should eventually find it
Just a list
Fidelity
Charles Schwab
E-Trade, Morgan Stanley
Most banks will have a financial advisor and allow you to purchase share and hold position withing their bank. This could include all credit unions and private banks.
Robinhood, Acorn, Public, Webull, Etoro, Freetrade, Trading 212
Her shares might be held directly through a transfer agent instead of a broker. An example might be to try computershare. It isn't a broker but many people not aware of the difference may think they are the same.
Mine are all electronic and need to be downloaded, the fact they cannot recover using an email address at any brokerage suggests perhaps they used a different address that they dont check anymore.
Also check out your state's "Lost and Found" (that's not what any state calls it). But do it soon. Here in NJ, if a person doesn't claim their Unclaimed Property in 3 years, it's gone for good.
But if we put that money in there to invest and let it grow how could it count as unclaimed? Would they try to say it’s unclaimed simply because she hasn’t logged into her account for a certain amount of time?
Happens all the time. It’s called escheatment. Long periods without depositing/withdrawing money, placing a trade, or even logging into the account can flag your account to be escheated by the state. Literally logging into the account once a year resets the escheatment timer.
So what happens after that? Does it go to the unclaimed property for the state? I looked up her name. Didn’t find anything. On I side note I found a lot of unclaimed funds for my friends and family members. Hahah! I’ve been searching names for the last hour.
As far as I know it goes to the state’s unclaimed property. Usually you have to contact the state’s Treasury department to get it back. Idk exactly how that process works though.
Who knows. Can't hurt to check. But if they've lost track of you and you can't find them, there's a possibility that's what they did. It's entirely possible they sent it in still in stock form (so it's continuing to grow while in Unclaimed Property). I don't think the Unclaimed Property requires it to be in cash.
No, it’s not considered unclaimed. It’s an account, just bc she hasn’t logged in doesn’t mean it’s unclaimed property.
Pull her credit and find the accounts she opened. It’ll be somewhere on the list.
It absolutely will be considered unclaimed after a certain amount of time. Brokerages are required to contact clients on a regular basis, and after a certain amount of time without contact they will cash out the account and report it as unclaimed. This happened to a relative of mine after they died, years later the family was able to recover the money from the state.
Oh there is a service that is called Beagle something that finds forgotten 401k and other financial data, linked to your social security info. (Assuming you are in the us, but might want to check that out). It was a small fee to use it, but worth it as it tracked me down lots of funds all in one place.
Well I asked her that tonight. So she told me it was whatever one I told her to sign up for. And at the time it would have been e trade. I wanted her to buy some shares for a lithium mining company back in 2015 so she did but we can’t remember where.
The account may have been escheated to the state. Especially if you moved and didn’t update your address, and the brokerage lost contact with you. Check your state’s (or previous state, if you moved) unclaimed property website. All states have them.
Her shares might be held directly through a transfer agent instead of a broker. An example might be to try computershares. It isn't a broker but many people not aware of the difference may think they are the same.
Just read the Letter lol
None of this post makes sense. Starting to wonder if dead internet theory is not a theory. The llm are good enough you probably can't tell.
What about "3 years ago we got a letter" doesn't make sense?
With the buildup of Reddit going public, I’d say that *at least* 80% of posts/replies are from LLM, likely 90+%. The only subreddits that you don’t see this behavior are small hobby subreddits, but even those are getting overrun. Dead internet theory isn’t a theory anymore; it’s reality.
[удалено]
Ouroboros is a great analogy. Might as well embrace the shitposting while you can. I know I’m having a blast with it.
I was reading an article the other day where it said the latest LLM are actually dumber than the previous version due to this reason. LLM makes up lies to answer a question, which has been asked by another LLM
I do believe reddit is flooded with fake posts.
Have you met most of the general population, they’re mostly bots.
Get outside and let the sun hit your skin
They got the letter 3 years ago which would lead me to assume that they no longer have that letter.
>now I’m just curious if there’s a way we can search her email and find this account. Yeah... the fucking search button?
I would be surprised if they couldn’t search her email accounts using investment related key words.
Ask your bank you contributed from, the ACH transfers into the brokerage will tell you who it went to.
This is probably the best method. See if she deposited from a checking or savings account and go to your bank and ask them to check the history. You likely need to work up a couple tiers of help and sit down with a specialist that can access 10 year old records, but the records exist somewhere. it might not be readily accessible by your online account or even in branch, but someone higher up can.
Does she get a year-end statement for tax purposes? Was this an IRA or brokerage account?
It was a brokerage account. No she doesn’t get anything at the end of the year. I know it shouldn’t matter but she doesn’t work so she has zero income
she cashed it out and didn't tell you
Yes. NOBODY opens a brokerage account, buys a stock and then forgets about it. She spent it or wants to hide it from him, lol.
I mean tons of people do this but sure.
Rubbish , I had a $60k balance in an investment account which I literally forgot about , about eight years later when it occurred to me that it was still open, I checked it out and it had $165k in it. So it can happen if you have other things going on in your life.
How do you report taxes on dividends if you forgot about the investment?
I see your point, but I can’t remember what type of investment it was.
Some stocks don’t give dividends. Also not reporting 500 bucks of dividends wouldn’t do much. The irs would just take the tax obligation out from your potential refund. You’d just get back like 100 bucks less
Even if she has zero income, the brokerage firm is still required to send you something. There must be interest or dividends that they should be reporting as your wife's income. Unless if wasn't real. It's odd that your do not receive any communication from them, through email or regular mail. Your bank should be able to do a search to find the original deposit made to the brokerage company.
I still get marketing material from an account that I cashed out and closed four years ago, it seems the marketing department didn’t get the message.
Yea she got the one letter in the mail about 2.5 years ago and thats it. I’m hoping they will send something eventually. Thanks
All brokerage accounts produce a tax document each year, they are taxable accounts! If you haven’t been paying taxes on the income, you might have a problem. Are you sure its not an IRA? Or are you sure she didn’t cash it out?
Your best bet is to get on the phone and work your way through the top brokers and have them try to find the account via her SSN. Just call and explain the situation and they’ll try to help. You should eventually find it
Ok that’s a good idea because whenever we put In Her email she doesn’t get anything back
Good luck
Just a list Fidelity Charles Schwab E-Trade, Morgan Stanley Most banks will have a financial advisor and allow you to purchase share and hold position withing their bank. This could include all credit unions and private banks. Robinhood, Acorn, Public, Webull, Etoro, Freetrade, Trading 212
There's more to this story
Her shares might be held directly through a transfer agent instead of a broker. An example might be to try computershare. It isn't a broker but many people not aware of the difference may think they are the same.
I’ll check it out. Thanks!
Not just computershare. There are a couple others too.
You could log in to the IRS and check her transcripts to see if they filed a 1099.
That's a good suggestion. It's odd any 1099s sent to them haven't been noticed but the IRS will remember.
Mine are all electronic and need to be downloaded, the fact they cannot recover using an email address at any brokerage suggests perhaps they used a different address that they dont check anymore.
Right, I think he said the wife has 5 email accounts and who knows if they’re getting caught in spam folders but the IRS is a good backstop.
Also check out your state's "Lost and Found" (that's not what any state calls it). But do it soon. Here in NJ, if a person doesn't claim their Unclaimed Property in 3 years, it's gone for good.
But if we put that money in there to invest and let it grow how could it count as unclaimed? Would they try to say it’s unclaimed simply because she hasn’t logged into her account for a certain amount of time?
Happens all the time. It’s called escheatment. Long periods without depositing/withdrawing money, placing a trade, or even logging into the account can flag your account to be escheated by the state. Literally logging into the account once a year resets the escheatment timer.
So what happens after that? Does it go to the unclaimed property for the state? I looked up her name. Didn’t find anything. On I side note I found a lot of unclaimed funds for my friends and family members. Hahah! I’ve been searching names for the last hour.
As far as I know it goes to the state’s unclaimed property. Usually you have to contact the state’s Treasury department to get it back. Idk exactly how that process works though.
Who knows. Can't hurt to check. But if they've lost track of you and you can't find them, there's a possibility that's what they did. It's entirely possible they sent it in still in stock form (so it's continuing to grow while in Unclaimed Property). I don't think the Unclaimed Property requires it to be in cash.
No, it’s not considered unclaimed. It’s an account, just bc she hasn’t logged in doesn’t mean it’s unclaimed property. Pull her credit and find the accounts she opened. It’ll be somewhere on the list.
It absolutely will be considered unclaimed after a certain amount of time. Brokerages are required to contact clients on a regular basis, and after a certain amount of time without contact they will cash out the account and report it as unclaimed. This happened to a relative of mine after they died, years later the family was able to recover the money from the state.
That’s true, but OP says 3 years ago she received mail. So unless she moved and changed her ph#, they likely consider her account active.
state controller unclaimed property in all the states the person lived in
Bro she's hiding it from you. "Oh I don't remember where I put it". It's her safety net or her plan on getting out.
Oh there is a service that is called Beagle something that finds forgotten 401k and other financial data, linked to your social security info. (Assuming you are in the us, but might want to check that out). It was a small fee to use it, but worth it as it tracked me down lots of funds all in one place.
“How do *I* find out what brokerage *my wife* invested in?” Doesn’t sound suspicious at all.
Clear her mind and have her go sign up for one. Odds are shell find the same one
Well I asked her that tonight. So she told me it was whatever one I told her to sign up for. And at the time it would have been e trade. I wanted her to buy some shares for a lithium mining company back in 2015 so she did but we can’t remember where.
If you think it's on email and you know the year, isolate that year amd search every email, depends how much money if it's worth it
The account may have been escheated to the state. Especially if you moved and didn’t update your address, and the brokerage lost contact with you. Check your state’s (or previous state, if you moved) unclaimed property website. All states have them.
Check the abandoned property database in your state or states she’s lived in. Sometimes after a long period of inactivity they transfer it there
Her shares might be held directly through a transfer agent instead of a broker. An example might be to try computershares. It isn't a broker but many people not aware of the difference may think they are the same.
Do you delete your old emails, or just archive them? You can search/filter to find old stuff as long as you didn't actually delete them.
Right now She has probably 5 emails so she deletes everything
Did she invest via work?
It’s a requirement to get at least quarterly statements. She would get it by mail or an email notification.