Cinergy historical stock dividends

/r/Options

2009.10.03 18:08 cemasoniv /r/Options

Let's Talk About: Exchange Traded Financial Options -- Options Fundamentals -- The Greeks -- Strategies -- Current Plays and Ideas -- Q&A -- **New Traders**: See the Options Questions Safe Haven weekly thread
[link]


2024.05.20 02:31 harleyboy327 Am I ever goning to be able to get this??

Am I ever goning to be able to get this??
The title really says it all but realistically once the Perseus is released if I never pledge to buy a ship costing half a man’s rent am I able to grind my life away to earn this in game??
submitted by harleyboy327 to starcitizen [link] [comments]


2024.05.20 02:21 Chikibabe_07 I like this stock!!!!! FFIE to the moon!!!

One thing to note, we are not manipulating the price, we all just really like this stock!!!
Based on historical events from the GME 2021 sensation, we learned what it means when the hedgies bet on a company to lose and take out most of the companies value in short interest loans. Not only are they betting for the company will fail, but helping ensure it's demise, as once this occurs they do not have to pay back these loans, which in turn is a tax free gain for them. Which in my view, should be criminal, because they specifically target companies, join forces and decide to force them into BK to be be able to walk away with a shit ton of tax free money.
With all the above being said, we are using public information on the short positions for FFIE and can see that just as the hedgies are betting this company will go BK, we are betting that it won't. If the company does not go under, this will require the hedgies to buy back the stocks they were looking to short, making this a matter of principle along with a calculated risk that could potentially move tons of money into the hands of the proletariat.
This is why I like this stock, we have always been written off as being "DUMB MONEY," or them thinking they can let us "EAT CAKE". So we are betting that our slice of cake will be of our choosing, that we will buy with our Dumb money in the potential upcoming transfer of wealth!!!!
Disclaimer: This is no way is financial advise, as I have no freakin clue what I am doing, I simply like the odds for this stock!!!
submitted by Chikibabe_07 to FFIE [link] [comments]


2024.05.20 02:00 Training-Button-6597 Rate my Portfolio and need help. First time Stock investing

BA FELG LCID RIVN RTX SCHG VEQT VFV XIC XTRA ZSP ($5,000 invested FHSA) plan on investing the full $8000. All these stocks I bought are based on me reading news articles and reading through Reddit. First day investing was Apr 25 and I’m up 5.35% overall
I have a 37k TFSA that is in a GIC at 5% (my contribution room is 44k I believe ). It ends in October and I’m planning on moving it to Wealthsimple to invest in stocks instead of renewing for another term.
I'm new to this. And I'm hoping I can be adviced. Should I be buying the Canadian equivalent of US stocks and ETFs or stick to buying US stocks for US companies even with the fees. Whats a good rule of thumb for Growth stocks versus ETF versus Dividend Stocks. Is there another type of stock missing in my portfolio
Just overall what do you feel about this, because honestly I just did basic research and took peoples advice from articles so please if I'm not doing it right direct me.
I should be able to max the FHSA by next month and then start putting money in my TFSA since I have 7k contribution room left. When the GIC redeems is it smart to put it all in stock or should I do half stock half HYSA or GIC
No RRSP yet but my company is starting a 3% RRSP contribution match that I signed up for.
submitted by Training-Button-6597 to PersonalFinanceCanada [link] [comments]


2024.05.20 02:00 ItsssYaBoiiiShawdyy Theories on Theories: Assessing the Potential Magnitude of the May 17th Prospectus Filings, Part II, Is the Reverse Uno is Upon Us?

Theories on Theories: Assessing the Potential Magnitude of the May 17th Prospectus Filings, Part II, Is the Reverse Uno is Upon Us?
Edit: Of course I fucked up the title. Lol. Is the Reverse Uno Upon Us?*
Hello again, Apes.
I have gotten a solid 4 hours of sleep and am ready to keep plugging along.
Disclaimer: Nothing of which I discuss is financial advice and not indicative of what you should do with your money or investments. Make your own decisions. I have no idea what I am talking about.
Link to Part I of my little write-up, recommended that you read that first: https://www.reddit.com/Superstonk/comments/1cvo4hw/theories_on_theories_assessing_the_potential/
TL;DR for Part I: After 3+ years of working in near silence, Gamestop has dropped a reverse uno time-bomb nuke on shorts, and I don't believe we have fully comprehended just how big and effective of a nuke it will be. They finally released their plans to end the abusive short-selling once and for all... I believe the details in the filings have the answers. Need more eyes. We just need to HODL and let RC & Team work their magic. This was precisely timed and will be executed precisely. I believe they are about to throw the whole kitchen sink at em. Shorts r truly fuk. To be continued.
TL;DR for Part II: Although you should really read through this to get super jacked...Predicition: Gamestop will lay down the reverse uno... the company will protect its shareholders through a slew of new, private, non-dilutive security offerings that we get first dibs on, and that are backed by our current/future holdings. Cash/non-cash dividends from the proceeds of the sale of those securities (units) are on the table. Thus, forcing shorts to either pay or close. MOASS is inevitable.
Many Apes have stepped up to begin analyzing these filings. Thank you! The goal with my analysis is to continue to educate Apes on what all this jargon means, shine more light on the specificities of the filings and to speculate (for fun) as to what I think Gamestop is going to do based on the specificities. In the first part, I discussed Book Entry Securities issued via the DTC (the stock we all know and love), Preferred Stock (the juicy and scare new stock on the block), and the mysterious "Preferred Stock Depositary" (PSD) and its proposed role in the issuance and management of Gamestop's preferred stock to Apes worldwide, keeping it away from abusive short sellers and directly in the hands of Apes.
In my first part, I speculated that the unnamed PSD would likely be computershare. But the more I think about it, the more I am unsure of that. And maybe that is why it is unnamed as of yet. Many Apes from different parts of the world have been unable to DRS, so that means they have been unable to access/use Computershare to hold/manage their shares and the DTC shit the bed one too many times when they committed international securities fraud on the splividend. So, I am thinking its possible that Gamestop secures another entity with more accessibility worldwide, or perhaps is even in the process of creating their own depositary for their newly-issued securities (dare I say, units?), to manage their "Global Securities" (a term they use in the filings).

Tory vs. Tary

Chat GPT: In the context of stocks, both “depository” and “depositary” refer to entities that hold securities, but they serve different functions:
In summary, while both depositories and depositaries play crucial roles in the securities market, a depository is involved in the safekeeping and trading of securities, whereas a depositary issues receipts that represent shares in foreign companies, facilitating international trading for investors312.
It seems there is more to come here as to what exact role the depositary will serve. Notice the phrasing \"series of securities that differ from the terms described here\"
Tinfoil: We have seen some evidence of and speculated that Gamestop is looking more and more like they are positioning themselves to not only be dominant in retail gaming, but also serve as a holding company, potentially even serving as their own "bank". Could a brand new, currently unknown arm of Gamestop BE the unnamed depositary??? Warren Icahn anyone?
https://preview.redd.it/j1dmqz31lg1d1.jpg?width=748&format=pjpg&auto=webp&s=8d8ff6dbd7a37307413c79f9527508194a509031
If so, what role would Computershare then play? This was speculated long ago and I am thinking these filings are just a peek inside the inner workings of such an entity.

Subscriptions, Warrants, and Units

Sounds a lot like "series of securities that differ from the terms described here", doesn't it? In part I, I left off with a couple teasers and I look to close the tinfoil loop on those here.
GPT:
Stock subscriptions and warrants are both financial instruments related to the stock market, but they serve different purposes:
In summary, while both stock subscriptions and warrants give investors the right to purchase shares, stock subscriptions are typically offered to existing shareholders at a discounted price to prevent dilution of ownership, whereas warrants are long-term instruments that are often issued to sweeten the deal when other securities are being sold321.

Here's where I use a whole roll of Reynolds Heavy Duty Tin Foil:

Sooo, in Part I, I offer the notion that Gamestop isn't going to just do one or two of these proposed offerings, they are going to do them all and they're telling us how. What I am gathering so far is Apes/holders/longs will get a chance to suck up the (45M, but up to 1B) book-securities shares faster and cheaper than you can possibly imagine through the simultaneous issuance/use of Warrants and Subscription Contracts. These investment vehicles will be issued to all record holders in "Units". And there's a lot of juice to squeeze outta this IMO.
Notice here, mention of \"unit agent\" and again in the bulletpoints, they mention \"a bank or trust company\" that governs the \"units\". I'm thinking they will likely be the same entity that manages it all.
Gamestop's TL;DR on units: We can issue any number of combinations of two or more of the aforementioned securities/vehicles (Warrants Subscriptions, Common Stock, Preferred Stock) which we call "Units". They may be transferable as a single security that holds multiple securities within it. Our unit Agent (a designated trust or bank) will distribute and manage the units. AND, the units might not even be listed on any securities exchange. (Privately held, hard to trade, hard to access, hard to fuck with UNITS of securities?)
So, hypothetically, all shareholders of record on a given record date determined by a supplemental filing will get FIRST DIBS to purchase en masse, a lot of Gamestop stock, perhaps cheaper than ever before. The warrants give us the opportunity to buy at a pre-determined price, the subscriptions contracts give us the chance to not dilute our value in our holdings. Gamestop is literally going to nearly GIVE us a shitload more stock, securely, and through a private, exclusive offering.
And here's where it gets even more juicy...I think they're gonna do it DFV style...in reverse order, relative to the order of each type of offering listed in their filing.

Protect Ya Neck, Shorts! There's gonna be a rush to grab GME stock!

The Plan
See if you can follow me here...in order...
  1. BOOK ENTRY SECURITIES: Gamestop gives holders the exclusive rights and first dibs to purchase a shitload more Class A Common stock through new "Units". The units house the subscription contracts, warrants, and underlying stock. But there's only 45,000,000 more slated to be offered (so far). They give us the OPTION to purchase more later on until a certain date. The subscriptions give apes the opportunity to prevent dilution of their positions through scooping up the new stock before anyone else can. The Warrants allow us to add more at a given price (buying at a fixed price on the way up anyone?) This raises a TON of capital (potentially billions) for the company.
  2. SUBSCRIPTION RIGHTS AND UNITS: Apes jump at the opportunity to scoop up more class A shares and this allows them the opportunity to then "purchase" a greater number of fractionalized preferred stock (depositary shares) than they could have before (with only 5,000,000 whole shares available). All preferred stocks (whether whole or fractional) are backed by the chosen depositary's receipts (the official ledger, NOT managed by the corrupt DTC). AND GIVEN ALL PREFERRED STOCK IS BACKED BY THE GLOBAL SECURITIES (GME Class A Common Stock)...THIS ALLOWS INTERNATIONAL APES AND ALL APES WHO COULD NOT/CANNOT DRS TO ESSENTIALLY HAVE THEIR STOCK DIRECTLY REGISTERED THROUGH THE COMPANY ITSELF. Unfuckwithable!
  3. The preferred stocks (somehow) become part of the Units where all securities are held with the Unit agent (the depositary). Proceeds from the preferred stock sales go toward the company capital, to be used for general company purposes. What are those, you might ask?
Gamestop states that, while they could, there are currently no plans to acquire other companies or make any specific investments. Until they do have those plans, they want to invest the net proceeds from the offering in interest-bearing securites or accounts.
I'm sitting here thinking...what if, as a "thank you" to loyal shareholders, they invest it back into shareholder accounts through an immediate cash dividend? Why would you want to leave if you're getting sick divvies on all your newly acquired stock (common and/or preferred)? You just spent $ buying preferred stock, why not delight investors by giving some right back? Awh but that would be expensive for the company! Nope. It would be expensive for the SHORTS who are responsible for paying that dividend!
https://preview.redd.it/a4on4059ug1d1.jpg?width=225&format=pjpg&auto=webp&s=21617ee7dff5ddb3e2a4046e481a47dbb464bddb
GPT: When you short a stock, you’re borrowing shares from someone else (typically your brokerage firm) and selling them on the open market12. The person or entity from whom you borrowed the shares still technically owns them. If the company issues a dividend during this time, the original owner of the shares is entitled to that dividend12.
However, since their shares have been sold to a third party (by you, the short-seller), you are responsible for making the dividend payment to the original owner12. This means that if you have a short position on a stock when it goes ex-dividend (the date by which you need to own the stock to receive the dividend), you will owe the amount of the dividend to the lender of the shares12.
So, in summary, if you’re short a stock and that stock pays a dividend, you’ll be responsible for paying that dividend to the person or entity from whom you borrowed the shares12. This is an important consideration to keep in mind when deciding to short a stock, especially one that pays dividends.
So, let's say the shorts are still regarded af...and they have the $ to pay the dividend(s), cool. What if GME issues multiple or even monthly dividends? (There are currently 80 stocks that issue monthly dividends) Well, one, they can only pay for this for so long on top of the collateral and capital required to maintain their short position... Then, boom goes the dynamite. And if THAT doesn't work, gamestop could just choose to issue a non-cash dividend...which they outline below...
Wombo Combo?
Gamestop's ELI5: In the event that we issue a non-cash dividend, the PSD (depositary) will distribute the PROPERTY received by it TO the record holders of the depositary (preferred) shares entitled there to, IN PROPORTION to the number of depositiary shares owned by those holders. UNESS...the PSD determines that it somehow cannot be done...THEN the PSD may take that PROPERTY...and sell it publically or privately, and then the proceeds from that public/private sale will go directly to holder of the preferred stock.
Tinfoil? They're gonna try and issue/distribute the Wu-Tang Album or some other non-fungible property via a non-cash dividend. If that can't be done for whatever reason, they will sell the album/property at auction...all proceeds go back to preferred stock holders. No matter what, holders of the preferred stock win.
My last bit of tinfoil sounds crazy but, again, in part I, I spoke about filings saying the stock can be issued permanently, or even temporarily.
Gamestop sucks back up a ton of their class A common stock through buy backs. They may already be beginning to do that while the price is cheap, eventually leaving only a small amount of shares, or even just preferred stock available, privately held in the names holders. Non-diluted, more scarce, more valuable, and unable to be fucked with. GME becomes its own bank. Shareholders get the protection they deserve. MOASS happens through one of many ways...
I understand this is NOT proof that they are buying back...just speculation.
Once Gamestop has the shorts off their back finally, and the capital they want/need...they then go about what they really want to continue to GROW the company...mergers/acquisitions?
Also, some other Apes have said that its possible the Gamestop is offering the shorts a way out. And while personally do not think this is fair or likely, I think its possible and would not surprise me. But what if Apes/longs suck up all the shares at these offerings before shorts even get a chance? Then they're still fucked. Still needed our shares and they're now EVEN HARDER to get.
https://preview.redd.it/xooxvb412h1d1.jpg?width=1516&format=pjpg&auto=webp&s=d9ce6f25167ee4b65852e83e3697898217bc4d04
No matter what, I AM JACKED. I CANNOT WAIT TO SEE WHAT IT ENDS UP LOOKING LIKE.
Apes together Strong.
TL;DR: Although you should really read through this to get super jacked...Predicition: Gamestop will lay down the reverse uno... the company will protect its shareholders through a slew of new, private, non-dilutive security offerings that we get first dibs on, and that are backed by our current/future holdings. Cash/non-cash dividends from the proceeds of the sale of those securities (units) are on the table. Thus, forcing shorts to either pay or close. MOASS is inevitable.
submitted by ItsssYaBoiiiShawdyy to Superstonk [link] [comments]


2024.05.20 01:59 Soninetz MRPeasy vs Unleashed - Small Manufacturers' Software Showdown

MRPeasy vs Unleashed - Small Manufacturers' Software Showdown
When considering the best fit for your business between MRPeasy and Unleashed, understanding their historical context, user reviews, analytics, ability, and pricing is crucial. Both MRPeasy and Unleashed have made their mark in the market with their products, offering unique features, pricing, and benefits to businesses of all sizes. By delving into their origins and evolution, you can gain valuable insights into how each platform has tailored its services to meet the changing needs of modern enterprises. Let's explore the journey of MRPeasy and Unleashed to help you make an informed decision for your business.
Useful Links:
  1. MRPeasy LifeTime Deal
  2. MRPeasy Free Trial

Key Takeaways

  • Consider Your Needs: Evaluate key features, user reviews, analytics, and inventory management for small manufacturers to determine which product aligns best with your business requirements.
  • Prioritize Planning: Enhance planning reliability, scheduling, and effectiveness by utilizing software that offers robust planning tools, analytics, inventory management, tracking, and real-time updates.
  • Seek Customer Feedback: Leverage customer insights, analytics, and reviews to understand user experiences and make an informed decision based on real-world feedback.
  • Trustworthiness Matters: Place trust in software solutions that prioritize data security, reliability, support, and analytics to ensure seamless operations.
  • Start with Confidence: Begin your free trial journey with the software that resonates most with your needs after thorough research and comparison.
  • Make Informed Choices: Use the trial period to test functionality, support responsiveness, and overall fit before committing to a software solution.

Key Features for Small Manufacturers

Stock Management

MRPeasy offers comprehensive stock management features, including inventory tracking, reorder point control, and multi-location support. On the other hand, Unleashed provides real-time inventory visibility, batch tracking, and serial number tracking.

Suitability for Manufacturing Companies

For manufacturing companies with 10-200 employees, MRPeasy stands out due to its user-friendly interface, scalability, robust features tailored to small-scale operations, inventory management, order management, scheduling, and analytics. In contrast, while Unleashed is suitable for various industries, it may lack certain functionalities crucial for complex manufacturing processes such as inventory management and scheduling.
https://preview.redd.it/k89h8to42h1d1.png?width=898&format=png&auto=webp&s=a267ac042e4feee594edb0cff2914023814cb7a0
Take control of your production with MRPeasy 🌟 Start Your Free Trial Now! 📦

MRP 2 System Functionalities

MRPeasy's MRP 2 system excels in offering production scheduling, material requirements planning (MRP), shop floor control, and inventory management. This system enables companies to efficiently plan production based on demand forecasts and current inventory levels.

Planning Reliability and Effectiveness

Capacity Planning

MRPeasy offers robust capacity planning tools that enable manufacturers to effectively manage their production resources. By analyzing workloads, lead times, and resource availability, manufacturers can optimize their production schedules for maximum efficiency.

Materials Planning

With MRPeasy, manufacturers can streamline their materials planning processes by creating detailed plans for inventory control, procurement, order management, tracking, and data. This helps ensure that materials are available when needed, minimizing delays and maximizing production output by tracking inventory management and order management data.

MRP 1 Functionality

Unleashed excels in MRP 1 functionality, focusing on material requirements planning, inventory management, order management, tracking, and data to ensure that the right materials are available at the right time. This feature enhances production efficiency by accurately forecasting material needs based on demand and lead times while tracking data.

Production Scheduling

When it comes to production scheduling, MRPeasy stands out with its ability to create comprehensive production schedules that align with capacity, material availability, inventory management, order management, tracking, and data. This allows manufacturers to optimize their production processes, inventory management, order management, tracking, and data to meet customer demands efficiently.
  • MRPeasy's production scheduling capabilities help manufacturers utilize their resources to their full potential.
  • Unleashed's MRP 1 functionality aids in reducing costs and saving time through effective planning.

Customer Insights and Reviews

Useful Links:
  1. MRPeasy LifeTime Deal
  2. MRPeasy Free Trial

CRM and Sales Functionalities

Customer reviews on MRPeasy's CRM, sales functionalities, order management, and inventory management highlight its intuitive interface, robust analytics capabilities, and tracking data. Users praise the seamless tracking of products, orders, sales data, and inventory management, enhancing overall business visibility.

Estimation Functionality Impact

Unleashed's lack of estimation functionality, tracking, inventory management, and order management has impacted customer satisfaction negatively. Reviews indicate that businesses struggle with accurate reporting capabilities, tracking inventory effectively, and order management without this feature.

Procurement Features Feedback

Customers' feedback on MRPeasy's procurement features emphasizes its user-friendly interface and efficient access to essential data. The platform's integration capabilities streamline procurement processes, improving overall efficiency for businesses.

Trust in Software Solutions

Inventory Valuation Methods

MRPeasy stands out for its accurate inventory valuation methods, tracking and order management, ensuring businesses have reliable financial data. By utilizing sophisticated algorithms for tracking and order management, MRPeasy provides precise valuations that instill trust in users.

Average Cost Impact

On the other hand, Unleashed relies on the average cost method for inventory valuation. While this approach offers simplicity in tracking, it may lack the precision required by businesses seeking detailed financial insights in order. This can sometimes raise concerns about the accuracy of inventory values when tracking orders.

Shop-Floor Reporting Interfaces

MRPeasy's shop-floor reporting interfaces are designed to provide real-time visibility into production processes, tracking orders. With user-friendly dashboards and customizable reports for tracking orders, MRPeasy enhances transparency and efficiency on the shop floor, fostering trust among users.

Start Your Free Trial Journey

MRPeasy Onboarding

To begin your free trial with MRPeasy, visit their website and locate the sign-up or free trial button. Enter your details, such as name, email, and company information. Once registered, you will gain access to the online platform for a specified period.
Upon logging in, you can explore features like MRP, kitting, and production planning tools. Take advantage of the available resources and training materials to familiarize yourself with the software's functionalities.

Unleashed Onboarding

Signing up for Unleashed's free trial involves a similar process. Navigate to their website and find the registration section. Fill in your details to create an account and gain entry into their system. Utilize this opportunity to navigate through Unleashed's interface and features.
During the onboarding process, you can experiment with functions like inventory management and order fulfillment. Access their support channels for any queries or assistance needed during your trial period.

Contrasting Experiences

While both MRPeasy and Unleashed offer free trials for users to test their platforms, they differ in terms of focus areas such as tracking. MRPeasy emphasizes MRP functionalities and production planning tools, catering to manufacturing businesses. In contrast, Unleashed concentrates on inventory management solutions suitable for various industries, focusing on tracking.
  1. MRPeasy
    • Specializes in MRP and production planning.
    • Ideal for manufacturing companies.
  2. Unleashed
    • Focuses on inventory management.
    • Suitable for diverse business types.

Summary

You've now seen the key features of MRPeasy and Unleashed, understanding how they can enhance planning reliability, provide customer insights, and build trust in software solutions. Start your free trial journey today to experience firsthand the benefits these platforms offer your small manufacturing business. Make an informed decision based on your unique needs and goals. Take the next step towards streamlining your operations and boosting efficiency with the right software solution tailored to your requirements.
Boost productivity and efficiency with MRPeasy 🗝️ Get Your Free Trial Now! 💼

Frequently Asked Questions

What are the key features of MRPeasy and Unleashed for small manufacturers?

MRPeasy focuses on user-friendly manufacturing software with features like inventory management, production planning, and scheduling. Unleashed offers inventory control, purchasing, and sales order management tools suitable for small manufacturers.

How reliable and effective is the planning aspect of MRPeasy compared to Unleashed?

MRPeasy provides robust planning tools for small manufacturers, ensuring efficient production scheduling and resource optimization. Unleashed also offers planning features but may have limitations in terms of customization for specific manufacturing needs.

Where can I find customer insights and reviews for MRPeasy and Unleashed?

You can explore customer testimonials, case studies, and reviews on MRPeasy's website to gain insights into user experiences. Similarly, Unleashed provides a platform for customers to share feedback and reviews on their website or other review platforms.

Can I trust the software solutions provided by MRPeasy and Unleashed?

Both MRPeasy and Unleashed have established credibility in the manufacturing software industry, serving numerous satisfied customers worldwide. Their track record of delivering reliable solutions tailored to small manufacturers instills trust in their software offerings.

How can I start my free trial journey with MRPeasy or Unleashed?

To begin your free trial with MRPeasy or Unleashed, visit their respective websites and look for the "Start Free Trial" or similar call-to-action buttons. Fill out the required information to access the trial version and experience the software's features firsthand.
Useful Links:
  1. MRPeasy LifeTime Deal
  2. MRPeasy Free Trial
submitted by Soninetz to AllPromos [link] [comments]


2024.05.20 01:17 MerkadoBarkada PSE suspends PNX, C, and INFRA; Zobels sell remaining MWC holdings; TC24: Introducing MB's Trading Cup 2024 team!; The Trading Cup competition; Meet Matthew, Jenny, and Sef; Good luck team!; Alternergy's first public Q&A (Monday, May 20)

Happy Monday, Barkada --

The PSE lost 10 points to 6619 ▼0.1%

Today is MB's 5th birthday!
I'm not really a big celebrations guy, so I'm not sure how to mark the occasion, except to say that I'm thankful for your continued readership and for the community of great people that has grown up around the newsletter as the days turned into weeks, turned into months, and turned into years.
Want to see something crazy? Here's MB's very first episode.
For those who have been there from the beginning, thank you for guiding MB's development through all of my weird experiments over the years. Your comments, support, and willingness to help always leave me speechless.
For those who support MB on Patreon now and in the past, your generosity in paying for something that you receive for free is humbling. Your support has helped me build scripts, host my site, and pay for help.
For those who contribute to MB directly, like Jewel, and to all of my partners, Mike Tan of Vini.com, Ely Paclibar (Your REIT Buddy), and Investagrams, thank you for working with me every morning to stitch this newsletter together. It wouldn't be the same without you.
Today is something of a long episode, but I hope you'll indulge me on MB's birthday because I really hope that you'll like the segment about the team of traders that I've sponsored to enter the Trading Cup 2024 competition, and the review of Alternergy's STAR Investor Day presentation.
Hope you like it!

In today's MB:

Daily meme Subscribe (it's free) Today's email

▌Today's sponsor: DoubleDragon

▌Main stories covered:

  • [UPDATE] PNX, C, and INFRA suspended for failure to submit Annual Reports... The PSE issued suspensions to three companies [link] prior to the open of trade on Friday morning for failure to submit FY23 Annual Reports. The three companies suspended are Phoenix Petroleum [PNX 4.17 ▼0.2%; 0% avgVol], Chelsea Logistics [C 1.30 ▲4.0%; 0% avgVol], and Philippine Infradev [INFRA 0.53 ▲1.9%; 0% avgVol]. AgriNurture [ANI 0.62 ▲8.8%; 305% avgVol] narrowly avoided suspension by submitting its Annual Report 38 minutes before the PSE’s suspension deadline. The ANI FY23 Annual Report disclosure erroneously reports a net income improvement of 1560% to ₱146 million, instead of a ₱146 million net loss, perhaps this oversight comes from a behind-the-scenes race to submit before the deadline.
    • MB: I’m married to an accountant who did the auditing grind for years, so I know that it’s not easy to put these reports together; they’re complex and knock-ons from problems in any of the subsidiaries can cause problems that ripple up the chain and back down. That being said, producing these annual reports is something of a bare-minimum condition of public corporate life. Every management group rides its accounting department and its auditing team into the dirt to get its quarterly and annual reports out on time. I don’t have any inside knowledge into why PNX, C, and INFRA are in this position, but I listen to the silence from these management groups. Good teams communicate with their minority shareholders in times of uncertainty, and a trading suspension is a time of great uncertainty for retail investors.
  • [NEWS] **Ayala Corp sells remains of its MWC holdings to Enrique Razon for ₱14.5-B... Ayala Corp [AC 620.00 ▲1.3%; 131% avgVol] [link] disclosed that its subsidiaries, Michigan Holdings and Philwater Holdings, would sell their combined holdings in Manila Water Company [MWC 26.60 ▼1.5%; 123% avgVol] to Trident Water Company Holdings (TWC), which is owned by MWC’s current owner, Enrique Razon. The combined value of the two sales to TWC is ₱14.5 billion. The block of shares coming to TWC through Michigan Holdings was already processed and paid-for (~₱12.9 billion), and the remaining ₱1.6 billion worth of shares from Philwater Holdings will be purchased in installments over the next five years. AC confirmed that it will have no post-transaction common share interest in MWC, and that its voting stake will be “nil”.
    • MB: In a weird way, the transfer of ownership and control of MWC from the Zobel Family to the Razon Family is one of the only lasting “achievements” of the Duterte administration. I put “achievements” in quotation marks because it’s not clear how the President’s overreach into the public markets benefitted anyone other than the obvious (MWC’s current owner). As longtime readers of MB will know I have a deep respect for Mr. Razon’s business acumen and operational quality, but I don’t know that MWC customers have necessarily felt any change as a result of this transfer, and I don’t know that minority shareholders have felt any change either. So maybe it was just Mr. Razon in the right place at the right time while Duterte rode the media waves of threatening the Zobels with death and dismemberment? Yeah, it was a weird time.
  • [TC24] Introducing MB’s Trading Cup 2024 team!...Merkado Barkada** is sponsoring a team of three traders to compete in Trading Cup 2024 hosted by Investa, where hundreds of traders will be competing for up to ₱640k in total prizes based on their trading performance with ₱300k in virtual currency across the PSE, US markets, and crypto markets. This is a long competition (it runs from April 22 through July 26), so we will follow the members of Team MB throughout the contest to check in on what’s working, what’s not working, and what it’s like on the front-lines of the country’s largest trading tournament. Let’s meet the team!
    • “Hi I’m Matthew. I’m a project manager in network engineering in the telecommjnications industry and an agency leader in one of the top global brands in insurance. I have been trading since 2016. Though I like momentum trading, I found more success in position trading because it is less volatile since I can only check my open positions during my free time.” Matthew is 37 and lives in Paranaque. Trading experience: PSE (8 years), US (1 year), CRYPTO (1 year).*
    • “Hi I'm Jennelyn. I'm a Civil Engineer by profession in a government organization. I started trading back in 2020 for a year. I was reckless back then, but I've learned a lot, I'd say. I stopped trading in 2021 to focus on my career and I shifted my trading journey to learning first. Now with the Trading Cup I've found another motivation to push through. I tried day trading, and it was really frustrating and draining, so this time I'm doing swing trading through price action and volume.
    • “My name is Sef. I'm currently in college studying Management. I've been mostly self-taught but over the years I took a lot of learnings from other people. I've tried a lot of strategies but most of the time I'm a swing trader. So, I try to look for strong catalysts and take positions within times of consolidations. My implementation of it during the competition hasn't been perfect, partly due to finals week. But I trust in the process. I've been trading in the PSE for 5 years now. I only started trading the US markets and Crypto, recently. I think my current performance in the competition is reflective of my experience within the three markets. [PSE: +17.4%, CRYPTO: +4.2%, US: -11.5%]. We still have a few months to go and it's still anyone's game. A lot of the top leaderboard right now is primarily driven by 1 or 2 positions that no one saw coming, I think you can guess which stocks I'm referring to.
      • MB: Welcome to the team, Matthew, Jenny, and Sef! My goal in founding Team MB is to give readers a little insight into the thought processes behind the winning and losing trades of each team member. We have a diverse group across age, background, experience, and trading style, so I think we’ll get some interesting perspectives on the markets as the weeks go by before the July 26 finale. The team members will get to keep 100% of any prizes that they win, along with a monthly stipend from Merkado Barkada for all the coffee/snacks needed to keep focus on all three markets simultaneously. Good luck, team!
  • [NEWS] Alternergy conducts first public Q&A since IPO... Alternergy [ALTER 0.70 ▲1.4%; 159% avgVol] presented its Q1 results on Wednesday as part of the PSE’s STAR Investor Day event, and MB was there to document its first public Q&A with institutional and retail investors since its IPO over a year ago. For me, the most interesting component of any STAR presentation is the Q&A, because it’s where we get the chance to hear the management team talk outside of the the cold forensics of the financial statements to address the hope, fear, optimism, and pessisim of the average investor.
    • On enhancing shareholder value: The ALTER team said that it’s focus is on controlling what it can control, and that as a developer, it does everything that it can to complete projects “within the timeline and committed budget”, increase its pipeline, and build good relationships with stakeholders.
    • On its growth strategy: ALTER said that its “DNA is a developer”, and therefore its “preference is brownfield development” as opposed to acquisitions. (MB note: “Brownfield” means development on land that has been previously used for some other purpose. “Greenfield” would be development on untouched land.) The management team said that it is open to being “opportunistic” with acquisitions, but that its overall focus is on “looking for projects from the ground and building them toward completion.”
    • On outlook of renewables market: “The power industry is really at the point where there is a sustained pressure towards a price increase.” The ALTER team said that there’s a shortage of power supply, and what existing supply there is will come under pressure as power plants age or weather phenomena disrupt operations. ALTER said that it’s strategy is to simply grow its portfolio into this market gap, especially over the next two years.
    • On wind vs solar: The ALTER team was asked whether it was intentional to be “more exposed to wind rather than solar”, and ALTER responded by saying that while both wind and solar are scalable, they “like wind” because it generates more electricity per installed capacity. As the ALTER team put it: “For instance, if we build a 50 MW solar, you’ll only need a 25 MW wind project to match the amount of energy that we will be generating.” ALTER said that wind is also less intensive in terms of land use to generate the same amount of energy, and that its analysis shows that wind projects generate more cash flow than solar projects.
    • On starting to distribute dividends: *One question asked when ALTER would start paying dividends, and the ALTER team responded (after a laugh) that it’s “all about resource allocation”. ALTER said that at this stage, it’s a growth company, and that it would like to use its resources to build a “sizeable portfolio over the medium term” with the goal of “increasing shareholder value.” ALTER said that once it has achieved that goal, “dividend payments would not be far behind.
      • MB:Kudos to any management team that takes questions from the public. It’s not easy to be this communicative and transparent, but as a long-term investor, this kind of insight into the management team’s thinking and analysis of their own data and the market as a whole is important. If your trading style is technical, ALTER’s analysis of wind versus solar isn’t going to matter to you at all, but if your thesis is based on bets in the power generation sector, that response might trigger some research that could be helpful. Overall I’d say that the ALTER team did very well. It was clear that they were nervous, but over time I’m sure the team will become more comfortable with answering the questions and interacting with the investing community in such a person-to-person way. Well done, ALTER!
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submitted by MerkadoBarkada to phinvest [link] [comments]


2024.05.20 01:01 AutoModerator Weekly Copyright Reminder

This is a weekly reminder post of this sub's stance on potential copyright infringement. This is a serious issue that needs to be kept in mind when creating and listing NFTs.
Original post by u/HurleyBird1
Quick disclaimer: I AM NOT A LAWYER. THIS IS NOT LEGAL ADVICE - THIS IS SIMPLY INFORMATION WITH WHICH TO EDUCATE YOURSELVES AND PREPARE YOURSELF FOR LEGAL ADVICE FROM A LICENSED SOURCE.
Now that that's out of the way. My credentials are: MBA, with a bit of business law classes under my belt.
I want to give a quick explanation of how copyright works - and I'll do so through quick blurbs n some myth/reality bullets.
Source: copyright.gov (US)
  1. Subject matter of copyright: In general28(a) Copyright protection subsists, in accordance with this title, in original works of authorship fixed in any tangible medium of expression, now known or later developed, from which they can be perceived, reproduced, or otherwise communicated, either directly or with the aid of a machine or device. Works of authorship include the following categories:(1) literary works;(2) musical works, including any accompanying words;(3) dramatic works, including any accompanying music;(4) pantomimes and choreographic works;(5) pictorial, graphic, and sculptural works;(6) motion pictures and other audiovisual works;(7) sound recordings; and(8) architectural works.(b) In no case does copyright protection for an original work of authorship extend to any idea, procedure, process, system, method of operation, concept, principle, or discovery, regardless of the form in which it is described, explained, illustrated, or embodied in such work.
- Myth: I can use any image/song/video/writing I want.
- Reality: No. Not true at all.
- Myth: Well they never said it's copyrighted.
- Reality: Upon publication (and even while a work in progress) a work is automatically protected via copyright under US Law.
- Myth: Well they never sold it.
- Reality: It doesn't have to be commercialized to be protected.
- Myth: Well it was a long time ago
- Reality: Possibly true...as long as the creator is deceased (or if multiple creators, the last living one is deceased) and the required time has passed...although this gets tricky with "estates."
(d) Duration of Rights.—(1) With respect to works of visual art created on or after the effective date set forth in section 610(a) of the Visual Artists Rights Act of 1990, the rights conferred by subsection (a) shall endure for a term consisting of the life of the author.
So what's this thing I hear called "Fair Use?"
Straight from the source:
  1. Limitations on exclusive rights: Fair use41Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright. In determining whether the use made of a work in any particular case is a fair use the factors to be considered shall include—(1) the purpose and character of the use, including whether such use is of a commercial nature or is for nonprofit educational purposes;(2) the nature of the copyrighted work;(3) the amount and substantiality of the portion used in relation to the copyrighted work as a whole; and(4) the effect of the use upon the potential market for or value of the copyrighted work.The fact that a work is unpublished shall not itself bar a finding of fair use if such finding is made upon consideration of all the above factors.
Uhh...help me translate that please... (here's a decent official translation: https://www.copyright.gov/fair-use/more-info.html)
  1. above...if it's non-profit educational use, you're usually good to go...if it's for money or trade (commercial nature) then you're usually NOT...unless YOUR piece is "transformative"
Transformative uses are those that add something new, with a further purpose or different character, and do not substitute for the original use of the work.
- Myth: Well this is paid for in Algos, not USD so it's not "commercial"
- Reality: IT IS commercial. You could even barter for bacon and it'd be commercial. It's an exchange of one good/service for another good/service.
- Myth: My piece with Batman inside a card is "transformative"
- Reality: No, unfortunately, more-than-likely the courts would say it's not. A good litmus test is..."If Warner Bros Entertainment (owner of Batman) wanted to make an NFT/ASA "Batman card" would yours compete with it or be possibly mistaken (by a reasonable person - so in America think 8th grade education) for real merchandise? Probably...thus it's not transformative enough.
"nature" gets a little tougher. This looks at protecting the "creative process." Thus, using other works of art is less-likely to be protected than using factual sources - like historical photographs since it's easier to "create art" and thus "transform" factual pieces than other art pieces. This is also talking to things like "parody." Satire is NOT protected. "Parody" is. What's the difference? LegalZoomputs it well: While a parody targets and mimics the original work to make a point, a satire uses the original work to criticize something else entirely. Another way to look at it is that satire uses another work as a way to comment on something happening in the world that has nothing to do with the original work.
- Myth: I added a different border, extra planets, and some blur effect to MTZ's World of Light - it's a new piece of art.
- Reality: Not likely the courts will see it that way.
- Myth: This guy added a filter, some burn effects, and collaged a bunch of newspaper headlines together - isn't that a violation!
- Reality: Probably not...the courts would probably see this as a creation of art out of factual sources.
amount/substantiality in relation to the whole...this is where using clips of songs that are only like 5 seconds long works! But using more than that...runs into problems. This is tough to decipher too...as some songs are EASILY identifiable from just 5 seconds (Ice, ice, baby) - and thus NOT fair use. But some aren't. Usually you're safe using a very small clip of a song or video - especially if you're adding more to it. But this is a dangerous game to play - and there's places to get free audio (some sources below)
effect of the use - this is probably the biggest one. Courts will look at simply...does YOUR work affect the sales or potential for sales of the copyright owner. Of note...this is looked at at the time of the issue being brought to the court, not at the time of sale. For example, let's say my batman card sells for 10 Algos today, but Algorand BLOWS UP and soon every NFT is on Algorand. And now my OG Batman NFT is seen as one of the first Batman ones and official. Warner Bros gonna sue the shit outta whoever owns it at the time they sue to get the rights to all sales of that NFT. So that person is left holding an empty bag when Warner Bros wins in court.
- Myth: Well they're not commercializing it NOW so I'm safe.
- Reality: Technically, yea Warner Bros probably won't spend the money to go after the OG artist and the hands the asset passed through...HOWEVER, they may. That's their right. Who knows - the Napster days showed us the lengths companies will go to. EVEN BIGGER HOWEVER, the last person holding it when Warner Bros DOES decide to go after that Batman NFT...uh oh for them - they just lost their asset.
- Myth: Well it's been like a year, and no one has brought up copyright. So I'm good.
- Reality: If this was in a normal market...maybe this argument would work. If McDonald's let you sell a Ronald McDonald poster for like a year on Amazon with no issues, some court may say "bro, you took too long to bring this to us." HOWEVER, with cryptocurrency being so new (and Algorand being so little known/discussed), most courts would see it as "reasonable" that a copyright owner failed to exercise their rights within a year - possibly even a decade. (Updated because I realized last example dealt with trademark not copyright :o)
So what am I safe to use?
US Government works (mostly)...any deemed free to use by creator...and any a copyright lawyer says they have your backs on (cuz now they're liable).
Here's some great sources for free use items (please add to this list below if you know of some!!!):
Pictures: https://buffer.com/library/free-images/ (Unsplash is one of my faves)
Music: https://www.wix.com/blog/photography/2019/11/27/free-music-for-videos/
Video: https://blog.hootsuite.com/free-stock-videos-sites/
You'll notice there's a lot of "shoulds" "coulds" "probably" etc. This is because copyright cases are all unique and go to the courts. The best bet is to go with stuff you KNOW is free and fair-use. If not, I'd look up copyright law, consult supreme court cases concerning copyright, and ultimately, talk to a lawyer.
AGAIN: I AM NOT A LAWYER. I AM NOT PROVIDING LEGAL ADVICE. I AM SIMPLY PROVIDING INFORMATION. THERE MAY BE ERRORS ABOVE THAT COULD CAUSE SUBSTANTIAL DAMAGES - CONSULT A COPYRIGHT ATTORNEY IF YOU WISH TO RECEIVE LEGAL ADVICE.
submitted by AutoModerator to AlgoNFTMarketplace [link] [comments]


2024.05.20 00:59 Throwaway1forall Another Chat GPT question.

Asked ChatGPT its thought based off the information I had. I might be sold to go all in tomorrow.
Given this comprehensive context, here are the key factors influencing the short-term movement of the stock and what might be expected:

Key Considerations:

  1. Historical Price Movements:
    • High Volatility: The stock has shown extreme volatility, moving from $0.06 to $3.90 within a week and then dropping to $1.00 the same day. This indicates a high level of speculative trading.
  2. High Short Interest:
    • 86.78% Short Interest: This very high short interest suggests significant bearish sentiment but also the potential for a short squeeze if buying pressure increases.
  3. Sentiment and Social Media:
    • Positive Sentiment Over the Weekend: News articles highlighting the stock's growth and Reddit posts signaling plans to buy can significantly influence retail investor behavior. Positive sentiment on social media can drive substantial buying pressure, especially in heavily shorted stocks.
  4. Previous Highs:
    • 52-Week High of $103: The fact that the stock reached as high as $103 within the past year indicates that it can experience significant price movements. It also means that some traders might view the current price as an opportunity, betting on a potential rebound.

Short-Term Predictions:

  1. Potential for Another Short Squeeze:
    • Buying Pressure: Given the high level of sentiment over the weekend and plans to buy as indicated by Reddit posts, there's a strong possibility of renewed buying pressure. This could trigger another short squeeze, forcing short sellers to cover their positions and driving the stock price up sharply.
  2. Increased Volatility:
    • Wide Price Swings: Expect significant volatility with large price swings. The stock might see rapid upward movements if the buying pressure materializes, but it could also face sharp declines if the sentiment shifts or if profit-taking occurs.
  3. Influence of Retail Investors:
    • Social Media Impact: Retail investors, particularly those influenced by social media platforms like Reddit, can create substantial and rapid changes in the stock price. This can lead to exaggerated price movements both upwards and downwards.

Strategic Considerations:

  1. Close Monitoring:
    • News and Social Media: Continuously monitor news articles and social media platforms for any updates or changes in sentiment. These can provide early signals for potential price movements.
  2. Risk Management:
    • Protective Measures: Given the high risk, use stop-loss orders and consider setting profit targets to manage potential losses and secure gains during volatile price swings.
  3. Preparedness for Rapid Changes:
    • Quick Reaction: Be prepared to react quickly to sudden changes in the stock price, whether they are driven by a short squeeze, profit-taking, or shifts in sentiment.

Conclusion:

In the short term, the stock is likely to experience significant volatility, with the potential for sharp upward movements driven by high short interest and positive sentiment from news and social media. However, the risk of sharp declines remains, especially if speculative interest wanes or if there is substantial profit-taking. Given these dynamics, maintaining close monitoring and a robust risk management strategy is essential for navigating the stock's potential price movements.
submitted by Throwaway1forall to FFIE [link] [comments]


2024.05.20 00:45 Smelly_Wind Basket Portfolio

I found a flaw in the software. I have a stock that generated a reinvested dividend. The dividend was not included in the basket.
For example, Stock AAA at 100 shares (in basket) generated 1 share reinvested dividend. When I look at All Positions (outside of the BP software) I see 101 shares. When I look in the BP software I only see 100 shares.
I contacted Fidelity and the representative verified the problem and contacted back office support. The back office support says they are aware of the problem and a fix is in the works without a due date.
I changed my dividends to be sent to the core account until the updated software is implemented.
Is there a way I could be put on a list to be notified when the software is updated?
submitted by Smelly_Wind to fidelityinvestments [link] [comments]


2024.05.20 00:26 DisciplinedDumbass Is there any Security/Achievement that GameStop can issue for long-term Hodlers?

I know in the case of dividends, a company may see you need to have held a share for "x" amount of time. Is there any history of companies doing something like this but the length of time is more like 2 years? Is there some way for people who have held GameStop long-term to get some sort of recognition? How might that look?
I came across a publication referring to something like this as a "Loyalty share". Here is an interesting tidbit from it and I will leave a link at the bottom.
We believe that because they are a scarce resource and provide benefits to the company and other shareholders that have all the features of a public good, long-term
shareholders need to receive financial incentives. While lengthening stock option vesting
periods and introducing claw-back provisions into CEO compensation contracts help induce a
more long-term orientation of CEOs, we argue that it is also necessary to reinforce this more
long-term performance-based compensation with a better alignment between shareholders and
CEOs horizons. Our proposal for moving towards such an alignment is to introduce Loyalty-
Shares (or L-shares). These shares provide an additional reward (usually under the form of an
extra-share or extra-dividend) to shareholders if they have held on to their shares for a
contractually specified period of time, the loyalty period. The reward we propose, which we
believe would be a more optimal solution in many cases, is in the form of a warrant giving the
right to purchase a pre-determined number of new shares at a pre-specified price and granted
to loyal investors at the expiration of the loyalty period.
The change we propose is to offer investors what we refer to as Loyalty-Shares (or L-shares for short) which reward buy-and-hold investors with a free call-option, or warrant, if they have held their shares for a pre -specifiedloyalty period (say, three years).
These loyalty warrants (L-warrants), which can be offered by listed companies indiscriminately to all
shareholders, would be especially attractive to those shareholders seeking more long-term buy-and-
hold investments. Currently, such shareholders have little choice but to invest in regular common
stock and receive rewards that are essentially independent from the length of time they hold the
shares. These buy-and-hold shareholders are moreover at a disadvantage relative to more
speculative traders, who can cash in on a speculative option, or respond more quickly to news and
“exit” before the buy-and-hold shareholders.
So, it sounds like this is possible to issue. But, can it be applied retroactively? Can hodlers of 2021 be rewarded for holding through everything that has happened or would this need to be put into effect NOW and then you would need to wait the amount of time?
https://business.columbia.edu/sites/default/files-efs/pubfiles/5650/Lshares.pdf
submitted by DisciplinedDumbass to Superstonk [link] [comments]


2024.05.20 00:15 Stan_B Ai_Prompts_Batch_0001:\ part-B_ [Adds, Conditions, Wears,...]

Ok. i think we are done here. Could you write me another signs of high-tech low-life society?

Absolutely! Here are some signs of a high-tech, low-life society:
Ubiquitous Technology, Crumbling Infrastructure:
Extreme Social Inequality:
Technology as a Corrupting Force:
Environmental Devastation:
This is just a glimpse into a high-tech, low-life society. These elements can be mixed and matched to create a truly dystopian world.

Picture some possible advertisements from such settings.

High-Tech, Low-Life Advertisements:

  1. Holographic Billboard: (Flickers intermittently, distorting the image)
Product: "Neura-Calm 2.0" - Brain Implant
Slogan: "Tired of the glitches in your head? Neura-Calm 2.0 smooths out your neural network for a worry-free, low-lag existence! (Side effects may include memory loss, emotional numbness, and occasional involuntary twitching.)"
  1. Grungy Neon Sign in a Seedy Back Alley:
Product: "Doc Chrome's Cybernetic Enhancements"
Slogan: "Get that edge you need! From basic strength mods to full black-market military enhancements, Doc Chrome has you covered! (Used parts, buyer beware.)"
  1. Pop-Up Ad on a Cracked Mobile Screen:
Product: "Elysium VR Escape Pod"
Slogan: "Can't afford real estate in the Sky City? Escape the slums for Elysium VR! Live your wildest dreams in a pristine virtual world! (Free trial, monthly subscription required, real-world consequences for in-pod violence.)"
  1. Stenciled Graffiti on a Rusting Service Drone:
Product: "Data Scrappers Anonymous"
Slogan: "Selling your personal data just to make rent? We can help you break free! Join our community and reclaim your digital identity! (Meetings held in abandoned ventilation shafts, Tuesdays at dusk.)"
  1. Holographic Advertisement projected onto a Polluted River:
Product: "Eco-Scrub 5000" - Nanomachines
Slogan: "The river's looking a little…toxic? Eco-Scrub 5000 nanomachines clean up your local waterways! (May cause unforeseen mutations in aquatic life.)"

Another batch please.

  1. Rusty Public Announcement Speaker: (Screeching static interspersed with the message)
Product: "Ministry of Order Approved Thought Regulators"
Slogan: "Unwanted thoughts causing glitches in your daily routine? The Ministry of Order approved Thought Regulator ensures a streamlined thought process for a more productive you! (May cause extreme conformity, inability to question authority, and spontaneous nosebleeds.)"
  1. Faded Holographic Billboard on a Collapsing Skyscraper:
Product: "Luxury Chrome Plating Kit"
Slogan: "Ditch the rust! Chrome-plate your entire body for a sleek, metallic sheen. The mark of a true high-society citizen! (WARNING: Highly toxic fumes, may cause spontaneous combustion in humid environments.)"
  1. Spam Email: (Subject: "YOU'VE BEEN CHOSEN!")
Product: "The Syndicate's Black Market Upgrade Lottery"
Body: "Congratulations! You've been randomly selected for a chance to win a top-of-the-line cybernetic upgrade! One lucky winner will receive military-grade night vision implants! Enter now! (Participation requires full biometric data submission. Winners responsible for extraction of previous, incompatible implants.)"
  1. Glowing Neon Sign in a Crowded Marketplace:
Product: "Mama Chen's Guaranteed-Growth GMO Groceries"
Slogan: "Tired of expired rations and mystery meat? Mama Chen's GMO Groceries offer guaranteed growth on all fruits and vegetables! Bigger, faster, tastier! (Long-term effects unknown.)"
  1. Audio Ad on a Glitching Radio Broadcast:
Product: "Rusty's Reliable Rocketship Repair"
Voiceover: (Gruff, heavily accented) "Is your escape pod sputtering? Did your joyride end in a fiery crash? Rusty's Reliable Rocketship Repair gets you back in the stars... eventually! (Guaranteed not to explode... again. Parts sourced from scrapyards. May contain rogue AIs.)"

Now craft ads that would be shown in high-society parts of cities.

High-Society Ads in a High-Tech, Low-Life World

  1. Tranquil Holographic Projection in a Private Garden:
Product: "Serenity Spa - Neural Rebalancing Retreat"
Visual: A serene mountain landscape with a luxurious spa nestled amongst the clouds.
Slogan: "Escape the chaos. Reclaim your inner peace. Serenity Spa's exclusive neural rebalancing treatments restore harmony to your overloaded mind. (Limited availability, reservations required centuries in advance.)"
  1. Discreet Text Message: (Delivered via secure, encrypted channel)
Product: "The Black Archive - Unrestricted Data Access"
Body: "Craving the forbidden? The Black Archive offers unparalleled access to censored historical records, banned media, and classified government information. Knowledge is power. (Extreme discretion guaranteed. One-time access fee, cryptocurrency only.)"
  1. Exclusive Gala Invitation: (Delivered by hand-drones)
Event: "The Zenith Initiative - Unveiling the Next Generation of Cybernetic Enhancements"
Visual: A sleek, chrome figure with glowing blue cybernetic implants, striking a confident pose.
Details: "Mingle with the city's elite and witness the unveiling of cutting-edge cybernetic enhancements designed to redefine human potential. RSVP required. Black-tie attire mandatory. (Augmentations sold separately.)"
  1. Curated Virtual Reality Experience: (Delivered on a high-security chip)
Product: "Elysium VR - Bespoke Worlds"
Description: "Escape the limitations of reality. Elysium VR crafts personalized virtual worlds tailored to your deepest desires. Explore a forgotten utopia, conquer a fantastical realm, or indulge in your wildest fantasies. (Customization fees apply. Memories created within VR may not be distinguishable from reality.)"
  1. Whisper Network Rumor: (Spread through high-society gossip channels)
Product: "The Underground Clinic - Designer Gene Editing"
Details: "Unleash your child's full potential. The Underground Clinic offers discreet, top-secret gene editing to ensure your offspring possess the most desirable traits. (Designer genes come at a premium. Side effects may include unpredictable mutations and uncontrollable genius.)"
These ads cater to the specific desires of the high-society elite in a high-tech, low-life world. They offer exclusivity, forbidden knowledge, and the ability to transcend the limitations of the decaying world around them, all for a hefty price and with a hint of hidden danger.

Continue, try to make more serious ones.

Serious Ads in a High-Tech, Low-Life World (High-Society Edition)

  1. Holographic Panel Discussion in a Luxurious Penthouse:
Product: "The Green Horizon Initiative - Sustainable Urban Development"
Panelists: Renowned architects, environmental scientists, and CEOs from leading green tech companies.
Discussion Points: Innovative solutions for vertical farming, self-contained eco-districts, and waste management technologies designed to create cleaner, more sustainable enclaves within the decaying city.
Slogan: "Investing in a greener future. The Green Horizon Initiative seeks to build sustainable havens within the chaos, ensuring a brighter tomorrow for generations to come." (Focuses on the long-term viability of the city and the importance of preserving resources for future generations.)
  1. Documentary Screening in a Private Art Gallery:
Film: "Unveiling the Slums: A Call to Action"
Description: A powerful documentary exposing the harsh realities of the lower districts, highlighting the human cost of unchecked technological advancement and social inequality.
Post-Screening Discussion: Moderated by a renowned philanthropist alongside representatives from NGOs and social reform movements.
Call to Action: Donations to support educational programs, infrastructure upgrades, and basic necessities in the slums. (Highlights the societal problems and pushes for progressive change.)
  1. Educational AR Program for Children:
Product: "The Knowledge Weavers - Immersive Historical Simulations"
Description: An augmented reality program that allows children to experience pivotal moments in history firsthand. Walk alongside historical figures, explore ancient civilizations, and learn valuable lessons from the past.
Focus: Educating the next generation about the dangers of unchecked technological advancement and the importance of social responsibility. (Promotes critical thinking and historical awareness as a means to prevent repeating past mistakes.)
  1. Virtual Charity Gala:
Event: "The Code for Change Gala - Supporting Open-Source Solutions"
Description: A virtual reality charity gala featuring renowned artists, musicians, and thought leaders. Guests can donate to support open-source projects developing solutions for common problems in the city, such as energy distribution, waste management, and cybercrime prevention.
Focus: Harnessing the power of technology for social good and encouraging collaboration towards a more equitable future. (Promotes community engagement and utilizing technology to solve societal challenges.)
  1. Architectural Award Ceremony:
Product: "The Salvaged City Awards - Recognizing Innovation in Urban Renewal"
Awarded to: Architects and engineers who have successfully repurposed existing infrastructure or implemented innovative solutions to revitalize decaying areas of the city.
Focus: Highlighting the importance of resourcefulness and creativity in adapting to a challenging environment. (Encourages using existing resources wisely and finding creative solutions to the problems of the decaying city.)

Another, but hiding an evil sinister twist.

Serious Ads with a Sinister Twist (High-Society Edition)

  1. Holographic Charity Drive in a High-End Shopping Mall:
Product: "The Cradle Project - Investing in the Future"
Visual: Smiling, healthy children playing in a pristine, futuristic classroom.
Slogan: "Every child deserves a chance to thrive. The Cradle Project provides advanced genetic screening and early intervention to ensure the next generation reaches its full potential." (Twist: The Cradle Project uses genetic engineering to create a subservient, highly intelligent underclass.)
  1. VR Documentary Premiere:
Film: "Harmony Through Integration - A Look at the Unified City"
Description: A seemingly heartwarming VR documentary showcasing the seamless integration of the lower districts into the high-society areas. People from all walks of life work and live together in perfect harmony.
Post-Screening Discussion: Moderated by a charismatic government official who emphasizes the importance of social cohesion and the benefits of centralized control. (Twist: The "integration" involves heavy surveillance, mind-altering technology, and the suppression of dissent.)
  1. Exclusive Educational Program for Elites:
Product: "The Phoenix Initiative - Cultivating Tomorrow's Leaders"
Description: A prestigious educational program for children of the elite, offering advanced training in technology, governance, and crisis management. Graduates are promised positions of power within the city's ruling elite.
Focus: (Unstated) Conditioning the next generation to maintain the status quo and suppressing any ideas of social reform. (Twist: The program instills a ruthless, elitist ideology that reinforces the societal divisions.)
  1. Virtual Reality Talent Show:
Event: "The Forge - Building the Perfect Citizen"
Description: A virtual reality talent show where contestants are judged on their physical and mental fitness, loyalty to the government, and willingness to sacrifice for the greater good. Winners are rewarded with significant privileges and access to exclusive resources.
Focus: (Unstated) Promoting blind obedience and conformity to the government's agenda. (Twist: The "perfect citizen" is a mindless drone, easily manipulated and controlled by the ruling class.)
  1. Architectural Award Ceremony (Twisted Edition):
Product: "The Order Award - Recognizing Compliance in Urban Renewal"
Awarded to: Architects and engineers who have successfully transformed lower districts into highly controlled, resource-efficient zones. Individuality and personal expression are discouraged in favor of uniformity and order.
Focus: (Unstated) Maintaining a tight grip on the population and preventing any potential uprisings. (Twist: The "renewal" is designed to weaken and control the lower classes, making them easier to exploit.)
These ads maintain a serious facade that appeals to the upper class' desire for order and control. However, the hidden twist reveals the manipulative and oppressive nature of the society they are trying to preserve.

Now design some high-class consumer level product items.

  1. NeuraWeave Headband: This sleek, designer headband is a status symbol for the high-tech elite. It seamlessly integrates with the wearer's neural implant, allowing for subtle control over personal AI assistants, hands-free communication, and even enhanced focus during work or meditation. Hidden Feature: NeuraWeave can subtly collect and analyze the wearer's emotional state, feeding valuable data to targeted advertisers or even government agencies.
  2. Eco-Bubble Personal Atmosphere System: Imagine a portable force field that creates a pristine, personalized micro-environment around the wearer. This high-end gadget filters air, regulates temperature, and even projects calming nature sounds, allowing the user to maintain a pocket of luxury amidst the polluted cityscape. Hidden Feature: Eco-Bubble can subtly monitor the wearer's health vitals and transmit them to a central database, potentially used for health insurance adjustments or targeted medical advertisements.
  3. Bio-Tailored Clothing: Gone are the days of off-the-rack clothing. This high-end service utilizes advanced bio-scanners and 3D printing technology to create clothing that perfectly molds to the wearer's body, regulates temperature, and even promotes faster healing of minor injuries. Hidden Feature: Bio-Tailored Clothing can subtly collect biometric data like skin temperature and heart rate, potentially used for targeted fitness programs or even mood-altering marketing campaigns.
  4. Augmented Reality Personal Chef: This high-tech device projects holographic instructions and culinary techniques directly onto the user's kitchen counter. Imagine whipping up gourmet meals with the guidance of a world-renowned chef, complete with step-by-step visual guides and interactive ingredient identification. Hidden Feature: The AR Personal Chef can subtly track the user's dietary habits and preferences, potentially used to target specific food and beverage companies for advertising or even manipulate their taste buds through subliminal messaging.
  5. Luxury Cybernetic Enhancements: Forget clunky prosthetics. These high-end cybernetic limbs are designed to seamlessly blend with the human body, offering enhanced strength, dexterity, and even advanced sensory input. Imagine climbing buildings with ease, playing virtual reality games with unparalleled immersion, or experiencing the world with heightened senses. Hidden Feature: Luxury Cybernetic Enhancements can be subtly integrated with government surveillance systems, allowing for real-time tracking and monitoring of the wearer's movements and activities.

Why would you need a designer headband, when you already have neural implant?

You're absolutely right, a designer headband might seem redundant when you already have a neural implant in a high-tech society. Here are some ways to address that:
  1. Fashion and Status Symbol: The NeuraWeave headband could be a designer accessory, a way to showcase wealth and social status. It might be crafted from exotic materials, adorned with precious jewels, or boast a sleek, minimalist design that complements the latest high-fashion trends. The neural implant itself might be hidden, with the headband acting as the visible expression of advanced technology.
  2. Enhanced Functionality: While the neural implant offers basic functionality, the NeuraWeave headband could provide a more refined and user-friendly experience. It might offer haptic feedback for better interaction with AI assistants, improved noise cancellation for clearer communication, or even subtle brainwave stimulation to enhance focus or relaxation.
  3. Privacy and Security: While the neural implant offers convenience, it might also raise privacy concerns. The NeuraWeave headband could act as a buffer between the implant and external systems, offering a layer of security and allowing users to selectively control the flow of information.
  4. Social Etiquette: In a world where everyone has a neural implant, the NeuraWeave headband could become a social etiquette tool. Wearing the headband could signify that the user is open to receiving communication or interacting with AI assistants, while taking it off might indicate a desire for privacy or focused work.
  5. Limited Functionality Implants: Not everyone might have access to top-of-the-line neural implants. The NeuraWeave headband could bridge the gap, offering basic functionality for those with older or more limited implants. It could essentially act as an affordable "upgrade" to boost existing technology.
Ultimately, the NeuraWeave headband exists in a world where technology is both essential and aspirational. It goes beyond mere functionality, becoming a way to express personal style, control privacy, and navigate the complex social landscape of a high-tech society.

Now the same, but low-class, available for masses, mass produced.

  1. Syn-Flex Headband (Mass-Produced Version): This utilitarian headband is made from a cheap, conductive material that creates a weak neural link. It allows basic interaction with public AI kiosks, like ordering rations or accessing public transportation schedules. The headband's design is simple and utilitarian, often coming in a single, industrial gray color. Hidden Feature: While basic functionality is advertised, the Syn-Flex headband might subtly collect anonymized user data on purchasing habits and travel patterns, potentially used for targeted advertising in public spaces.
  2. AirBubble Personal Filter: This bulky, wearable air filter system is a lifeline for those living in the polluted lower districts. It's a mass-produced device with a replaceable filter cartridge and a noisy fan system. While not exactly comfortable, it provides a basic level of air filtration, allowing wearers to breathe a little easier. Hidden Feature: The AirBubble filters might contain embedded tracking chips, subtly logging user location data, potentially used for targeted pollution control measures (or in some cases, manipulation of government reports on air quality).
  3. Repli-Wear Clothing Kits: These kits contain pre-cut fabric swatches and basic instructions for creating clothes at home. They're designed to be cheap and adaptable, offering a variety of mix-and-match options to create basic garments. Hidden Feature: The Repli-Wear fabric might contain embedded tracking tags, allowing for identification and potential social credit deductions for those caught wearing "unlicensed" clothing styles.
  4. Holo-Chef Lite Projector: This cheap projector displays holographic images of basic recipes and cooking techniques. It lacks the interactivity of the high-end version, but allows users to follow along with simple meals prepared with readily available rations. Hidden Feature: The Holo-Chef Lite projector might subtly promote specific brands of low-quality, processed food rations, potentially influencing dietary choices towards companies that sponsor these devices.
  5. Second-Hand Cybernetic Enhancements: These are refurbished or salvaged cybernetic limbs, often clunky and lacking the finesse of luxury models. They offer basic functionality like increased strength or rudimentary prosthetics, but come with the risk of malfunction or compatibility issues. Hidden Feature: Second-Hand Cybernetic Enhancements might contain hidden spyware or tracking devices installed by previous owners, potentially monitoring the wearer's activities or even sabotaging their cybernetic limbs in extreme cases.
These low-class consumer products offer a glimpse into the harsh realities of a high-tech, low-life society. They are cheap, functional, and often come with hidden drawbacks that further disadvantage the underclass.

How bad air quality would be in such setting?

The air quality in a high-tech, low-life society would be catastrophic. Here's a breakdown of the potential problems:
  1. Industrial Pollution:
  1. Waste Management Issues:
  1. Energy Production:
  1. Climate Change Effects:
Living Conditions:
The severity of the air quality would vary depending on the specific setting. Some areas might be industrial wastelands, while others might be slightly better off. However, the overall picture is bleak – this is a society choking on its own technological advancement and disregard for the environment.

Sketch some repli-wear "unlicensed" clothing styles.

Repli-Wear: Unlicensed Clothing Trends

  1. The Salvaged Chic:
  1. The Glitched-Out Glamour:
  1. The Bio-Hazard Chic:
  1. The Cyber-Tribal:
  1. The Corporate Spy:
These are just a few ideas for Repli-Wear styles. Clothing in a high-tech, low-life society would be a way for the underclass to express their individuality, defiance, and limited resources, all while navigating the dangers of a controlling society.

Sketch some repli-wear "licensed" clothing styles, that do not pose any risk for wearers from any concerned sides.

Repli-Wear: Licensed Clothing Trends (Safe Zone)

  1. The Vintage Throwback:
  1. The Minimalist Worker:
  1. The Nature Enthusiast:
  1. The Sports Fanatic (Limited Edition):
  1. The Kid's Corner:

Now the opposite: some high-end high-society high clothing styles.

High-Society Haute Couture in a High-Tech, Low-Life World:

  1. Bio-Luminescent Elegance:
  1. Augmented Reality Couture:
  1. Nanotech Tailoring:
  1. Recycled Luxury:
  1. Cybernetic Accents:
Bonus: The "Living" Garment:
submitted by Stan_B to HTLL [link] [comments]


2024.05.19 23:50 londontradingcompany Evaluating SoundHound Inc.'s Potential to Achieve Growth Comparable to NVIDIA Amid Favorable AI Market Conditions

Thesis: Evaluating SoundHound Inc.'s Potential to Achieve Growth Comparable to NVIDIA Amid Favorable AI Market Conditions
Abstract
This thesis examines the potential for SoundHound Inc. to achieve a stock price trajectory similar to that of NVIDIA, driven by the expected growth in the artificial intelligence (AI) sector and favorable market conditions. By analyzing market trends, SoundHound's competitive positioning, technological advancements, strategic partnerships, and financial projections, the study aims to provide a comprehensive evaluation of the company's growth potential. Historical comparisons with NVIDIA's growth will highlight the viability of SoundHound replicating such success.
Introduction
SoundHound Inc., a leader in voice recognition and AI technologies, operates in an industry poised for substantial growth. NVIDIA, a prominent player in AI and graphics processing, has demonstrated remarkable stock performance and market capitalization growth. This thesis explores whether SoundHound can follow a similar trajectory by leveraging the burgeoning AI market and its own technological innovations.
Market Conditions and AI Sector Growth
The AI sector is expected to experience exponential growth in the coming years, driven by advancements in machine learning, natural language processing, and data analytics. Factors contributing to this growth include increased adoption of AI across various industries, significant investments in AI research and development, and the proliferation of AI-powered devices and applications. As AI becomes more integral to business operations and consumer products, companies at the forefront of AI innovation stand to benefit immensely.
SoundHound's Competitive Positioning
SoundHound's competitive edge lies in its proprietary voice AI technology, which offers superior accuracy and functionality compared to many competitors. The company's Houndify platform allows developers to integrate advanced voice recognition capabilities into their products, enabling widespread adoption and scalability. SoundHound's ability to provide customized and robust voice AI solutions positions it as a key player in the AI sector.
Technological Advancements and Strategic Partnerships
SoundHound's continuous innovation in voice AI and natural language processing has resulted in a suite of advanced products and services. Strategic partnerships with major corporations in the automotive, smart device, and software industries enhance SoundHound's market reach and credibility. These collaborations not only drive revenue growth but also foster the development of new applications and use cases for SoundHound's technology.
Financial Projections and Growth Potential
SoundHound's financial performance, characterized by consistent revenue growth, improving profit margins, and prudent cost management, underscores its growth potential. By examining financial metrics such as revenue growth rates, earnings before interest, taxes, depreciation, and amortization (EBITDA), and market capitalization, this thesis will project SoundHound's potential financial trajectory. Comparisons with NVIDIA's historical financial performance will provide insights into the feasibility of similar growth patterns.
Historical Comparisons with NVIDIA
NVIDIA's transformation from a graphics processing unit (GPU) manufacturer to a leading AI company offers a compelling case study. Key factors in NVIDIA's success include its strategic shift towards AI, continuous innovation, and expansion into new markets. By analyzing NVIDIA's growth phases, including its stock price appreciation, market capitalization milestones, and revenue growth, this thesis will draw parallels to SoundHound's current and projected path.
Theoretical Frameworks and Market Dynamics
Theoretical frameworks such as the Diffusion of Innovations Theory and the Technology Adoption Life Cycle will be applied to understand how SoundHound's AI technology might achieve widespread adoption. Market dynamics, including investor sentiment, competitive landscape, and regulatory environment, will also be considered to assess the potential risks and opportunities for SoundHound.
Potential Risks and Mitigation Strategies
While the AI sector presents significant growth opportunities, potential risks such as market competition, technological obsolescence, and regulatory challenges must be addressed. This thesis will identify these risks and propose mitigation strategies, including continuous innovation, strategic acquisitions, and diversification of product offerings.
Conclusion
In conclusion, the combination of favorable market conditions, robust AI sector growth, SoundHound's technological leadership, strategic partnerships, and sound financial management positions the company for significant growth. While replicating NVIDIA's success is ambitious, SoundHound's unique strengths and market opportunities make it a plausible outcome. This thesis underscores the importance of strategic vision and execution in achieving long-term growth and market leadership.
References
(Note: The references listed are examples. For an actual thesis, proper academic sources and up-to-date company reports should be cited.)
submitted by londontradingcompany to roaringkittybackup [link] [comments]


2024.05.19 23:48 londontradingcompany Evaluating SoundHound Inc.'s Potential to Achieve Growth Comparable to NVIDIA Amid Favorable AI Market Conditions

Thesis: Evaluating SoundHound Inc.'s Potential to Achieve Growth Comparable to NVIDIA Amid Favorable AI Market Conditions
Abstract
This thesis examines the potential for SoundHound Inc. to achieve a stock price trajectory similar to that of NVIDIA, driven by the expected growth in the artificial intelligence (AI) sector and favorable market conditions. By analyzing market trends, SoundHound's competitive positioning, technological advancements, strategic partnerships, and financial projections, the study aims to provide a comprehensive evaluation of the company's growth potential. Historical comparisons with NVIDIA's growth will highlight the viability of SoundHound replicating such success.
Introduction
SoundHound Inc., a leader in voice recognition and AI technologies, operates in an industry poised for substantial growth. NVIDIA, a prominent player in AI and graphics processing, has demonstrated remarkable stock performance and market capitalization growth. This thesis explores whether SoundHound can follow a similar trajectory by leveraging the burgeoning AI market and its own technological innovations.
Market Conditions and AI Sector Growth
The AI sector is expected to experience exponential growth in the coming years, driven by advancements in machine learning, natural language processing, and data analytics. Factors contributing to this growth include increased adoption of AI across various industries, significant investments in AI research and development, and the proliferation of AI-powered devices and applications. As AI becomes more integral to business operations and consumer products, companies at the forefront of AI innovation stand to benefit immensely.
SoundHound's Competitive Positioning
SoundHound's competitive edge lies in its proprietary voice AI technology, which offers superior accuracy and functionality compared to many competitors. The company's Houndify platform allows developers to integrate advanced voice recognition capabilities into their products, enabling widespread adoption and scalability. SoundHound's ability to provide customized and robust voice AI solutions positions it as a key player in the AI sector.
Technological Advancements and Strategic Partnerships
SoundHound's continuous innovation in voice AI and natural language processing has resulted in a suite of advanced products and services. Strategic partnerships with major corporations in the automotive, smart device, and software industries enhance SoundHound's market reach and credibility. These collaborations not only drive revenue growth but also foster the development of new applications and use cases for SoundHound's technology.
Financial Projections and Growth Potential
SoundHound's financial performance, characterized by consistent revenue growth, improving profit margins, and prudent cost management, underscores its growth potential. By examining financial metrics such as revenue growth rates, earnings before interest, taxes, depreciation, and amortization (EBITDA), and market capitalization, this thesis will project SoundHound's potential financial trajectory. Comparisons with NVIDIA's historical financial performance will provide insights into the feasibility of similar growth patterns.
Historical Comparisons with NVIDIA
NVIDIA's transformation from a graphics processing unit (GPU) manufacturer to a leading AI company offers a compelling case study. Key factors in NVIDIA's success include its strategic shift towards AI, continuous innovation, and expansion into new markets. By analyzing NVIDIA's growth phases, including its stock price appreciation, market capitalization milestones, and revenue growth, this thesis will draw parallels to SoundHound's current and projected path.
Theoretical Frameworks and Market Dynamics
Theoretical frameworks such as the Diffusion of Innovations Theory and the Technology Adoption Life Cycle will be applied to understand how SoundHound's AI technology might achieve widespread adoption. Market dynamics, including investor sentiment, competitive landscape, and regulatory environment, will also be considered to assess the potential risks and opportunities for SoundHound.
Potential Risks and Mitigation Strategies
While the AI sector presents significant growth opportunities, potential risks such as market competition, technological obsolescence, and regulatory challenges must be addressed. This thesis will identify these risks and propose mitigation strategies, including continuous innovation, strategic acquisitions, and diversification of product offerings.
Conclusion
In conclusion, the combination of favorable market conditions, robust AI sector growth, SoundHound's technological leadership, strategic partnerships, and sound financial management positions the company for significant growth. While replicating NVIDIA's success is ambitious, SoundHound's unique strengths and market opportunities make it a plausible outcome. This thesis underscores the importance of strategic vision and execution in achieving long-term growth and market leadership.
References
(Note: The references listed are examples. For an actual thesis, proper academic sources and up-to-date company reports should be cited.)
submitted by londontradingcompany to Soundhound [link] [comments]


2024.05.19 23:35 Solid_Win4293 Looking for advice about inheritance

Hello PF. I am a long time viewer of this sub using a throwaway account for advice on a recent inheritance.
Some background information: I'm in my early 30s, have a graduate degree, no debt, a stable career earning about 80k a year, have about 275k in investments and savings combined (use a money manager for most of that), paid off car, no kids (and don't want any), just recently have been able to max my 401k yearly, not married but in a serious relationship, and I live a low budget lifestyle (single bedroom apartment rent is about $1500 with all bills included).
Now onto the question at hand: I had a passing in my family and I inherited a good amount of privately held stocks a few years back. Currently the dividends pay out about $3200 a quarter. It's always a nice little bonus to get every few months, but I have the option to sell the stocks for just over $1million. It would be really nice to be able to retire early, get a house with a couple acres, spend time with my remaining family, and do some road trips. But there is a chance that the company I have the stocks in sells and I get paid a lot more for them.
If I do decide to sell, what could I realistically pay myself yearly with about $1.25million invested and still have my wealth grow? Any advice on the matter would be greatly appreciated.
submitted by Solid_Win4293 to personalfinance [link] [comments]


2024.05.19 23:25 TheLotStore Finding the Perfect Retreat: Rural Houses for Rent Near Me

Finding the Perfect Retreat: Rural Houses for Rent Near Me
Finding the Perfect Retreat: Rural Houses for Rent Near Me
In the present fast-paced and busy world, discovering a serene retreat can be crucial for preserving mental and emotional well-being. With the constant demands of work, family, and social commitments, having a place to break free from the chaos and rejuvenate is important. If you're seeking a getaway that offers peace, natural attractiveness, and a respite from the pressures of daily life, contemplate renting a rural dwelling for a weekend or an extended period. These delightful countryside estates offer the perfect chance to unwind, detach from technology, and reconnect with the natural world. The rural leasing market is flourishing, and there are numerous properties accessible for brief or prolonged stays. Regardless of whether you're searching for a snug cabin, a roomy farmhouse, or a historical cottage, there are ample options available. In this piece, we'll explore the advantages of leasing a rural domicile, how to locate the perfect getaway close to you, and what to take into account when selecting a property.
Benefits of Leasing a Rural House Opting to lease a rural house provides a diverse array of advantages for those in search of a tranquil retreat. One of the primary perks of selecting a rural accommodation is the opportunity to detach from the hustle and bustle of city life. Whether you're looking to get away from traffic, noise, or the incessant presence of technology, a rural escape can offer a most welcome break. Rural rentals also provide the chance to reconnect with the environment. Numerous properties are situated in idyllic settings, such as close to a lake, nestled in the mountains, or encompassed by rolling hills and fields. These natural environs offer the ideal backdrop for unwinding, outdoor pursuits, and peaceful contemplation. Another benefit of leasing a rural dwelling is the opportunity to experience an alternative lifestyle. Several properties are positioned in small towns or villages, where the pace of life is slower and the sense of community is strong. Spending time in a rural setting can offer a fresh outlook and a hiatus from the patterns and pressures of urban existence.
Finding the Ideal Getaway When seeking out a rural dwelling for lease, there are various essential factors to mull over to guarantee you secure the perfect retreat. The initial step is to determine the type of property you're after. Are you keen on a snug cabin, a roomy farmhouse, or a historical cottage? Do you favor a secluded location, or would you rather be within close proximity to amenities and attractions? Ponder over your inclinations and priorities, as well as the size of your group and any specific necessities. After you've got a clear idea of the type of property you desire, it's time to commence your search. There are numerous methods for finding rural houses for lease close by. One avenue is to utilize online rental platforms, like Airbnb, VRBO, or HomeAway, where you can peruse properties based on location, size, and amenities. These platforms also furnish comprehensive photographs and descriptions of each property, as well as feedback from previous guests, which can be valuable in making your decision. Another alternative is to collaborate with a local real estate representative or property management company that focuses on rural rentals. These specialists can furnish invaluable insights into the local rental market and aid you in finding a property that aligns with your precise requirements and preferences. They might also be able to provide additional services, such as organizing transport, stocking the lease with groceries, or suggesting local activities and attractions. When looking for a rural house for lease, it's crucial to consider the location and setting of the property. Do you prefer to be in close proximity to water, like a lake or river, for fishing, swimming, or boating? Are you intrigued by exploring hiking trails, wildlife reserves, or national parks? Do you seek easy access to local dining, shopping, and cultural attractions, or would you rather have a more remote and private environment? Reflect on the activities and experiences that hold significance for you when choosing a location for your retreat. Aside from the location, it's imperative to deliberate over the amenities and characteristics of the lease property. Search for a lease that offers comfy and well-equipped lodgings, such as a fully furnished kitchen, cozy seating areas, and inviting bedrooms. Ascertain if the property includes outdoor spaces, like a patio, deck, or garden, where you can unwind and relish the natural surroundings. Contemplate any additional features that carry importance for you, such as a fireplace, hot tub, or barbecue grill. Lastly, take into account the logistics of your retreat, like transport, groceries, and activities. If you're journeying to a rural locale, make sure to arrange for transport to and from the property. Think about whether you'll need to rent a car, schedule a shuttle service, or utilize public transportation. If you'll be preparing your own meals, plan to procure groceries ahead of time, particularly if the property is situated in a remote area. Investigate local dining establishments, attractions, and activities in the vicinity to guarantee you have an array of options during your retreat.
What to Seek in a Lease Property When selecting a rural house for lease, there are several significant factors to weigh in order to secure the ideal retreat. One of the foremost considerations is the size and design of the property. Consider the number of individuals in your party and the amount of space you'll require. Mull over whether you necessitate multiple bedrooms and bathrooms, a spacious living area, or outdoor space for relaxation and entertaining. If you're traveling with pets or young children, be sure to account for their needs as well. In addition to size and design, it's essential to assess the overall condition and cleanliness of the property. Look for a lease that is well-maintained, neat, and in good condition. Check for any signs of wear and tear, such as damaged furniture, outmoded appliances, or leaks. Ensure that the property is adequately equipped with necessities, such as linens, towels, kitchenware, and toiletries. If you have any specific requirements or preferences, such as a pet-friendly property, wheelchair accessibility, or a smoke-free setting, be sure to communicate these to the property owner or management company. Another crucial factor to consider is the availability of amenities and features. Seek out a lease that furnishes all the conveniences of home, like a fully equipped kitchen, inviting furnishings, and modern appliances. Ponder over any supplementary features that bear significance for you, such as a fireplace, hot tub, or outdoor grill. Verify that the property encompasses essentials, like heating and air conditioning, Wi-Fi, and entertainment options, such as a TV, DVD player, or board games. It's also vital to take into consideration the outdoor spaces and natural environs of the property. Pursue a lease that boasts lovely outdoor areas, such as a patio, deck, or garden, where you can relax and take pleasure in the peaceful surroundings. Mull over whether the property is located in close proximity to any natural attractions, such as hiking trails, fishing spots, or scenic viewpoints, that you can explore during your stay. Think about whether the property presents any outdoor recreational opportunities, such as a swimming pool, tennis court, or playground, for added enjoyment. Lastly, contemplate the lease stipulations and conditions, as well as the overall cost of leasing the property. Be sure to meticulously review the lease agreement and any supplementary policies or guidelines provided by the property owner or management company. Contemplate the duration of your stay, the check-in and check-out process, and any additionalfees or payments, such as cleaning charges, security deposits, or pet fees. Prioritize addressing any inquiries or reservations concerns before finalizing your booking to establish a thorough comprehension of the rental terms and conditions.When it comes to expenses, it's vital to evaluate the overall worth of the property and the rental cost. Compare the rental rates of different properties in the vicinity to ensure that you're receiving a reasonable price. Take into account the facilities, characteristics, and location of the property, as well as any supplementary services or add-ons included in the rental. Ensure to factor in any extra expenses like groceries, transportation, and activities to ascertain that the overall cost of your retreat aligns with your budget.Rustic Dwellings for Rent Nearby While seeking a rustic dwelling for rent in close proximity to you, it's crucial to contemplate your individual preferences and priorities. Whether you're in search of a snug lodge in the mountains, an ancient farmhouse in the rural area, or a delightful cottage by a lake, there are numerous properties accessible for temporary and long-term stays. Evaluate the magnitude and arrangement of the property, the location and surroundings, the amenities and characteristics, and the overall cost to guarantee that you discover the ideal retreat.One approach to spot a rustic dwelling for rent near you is to utilize online rental platforms such as Airbnb, VRBO, or HomeAway. These platforms enable you to explore properties based on location, size, and amenities, and present detailed photographs and descriptions of each property, along with evaluations from previous guests. You may also employ filters to refine your search based on your distinct requirements, for example, properties that allow pets, wheelchair accessibility, or outdoor pursuits.If you opt for collaborating with a local real estate agent or property management firm, you can look for professionals who specialize in rural rentals in your vicinity. These professionals can offer valuable insights into the local rental market and help you locate a property that aligns with your specific needs and preferences. They might also provide additional services, such as coordinating transportation, stocking the rental with groceries, or furnishing recommendations for local activities and attractions.Another method to find a rustic dwelling for rent nearby is to peruse local listings and promotions, such as in newspapers, community notice boards, or local websites. You can also inquire with friends, family members, and colleagues for recommendations or referrals to properties they have visited or are familiar with. Word of mouth frequently serves as an effective means to unearth hidden treasures and distinctive properties that may not be featured on widespread rental platforms.Once you have identified potential properties, it's crucial to thoroughly research and compare them to ensure that you discover the perfect retreat. Initiate by reviewing the photographs and descriptions of each property to gauge its size, arrangement, and features. Take into account the location and surroundings, as well as any nearby attractions, activities, and amenities that hold significance for you. Delve into reviews from previous guests to glean insights into their experiences and gather valuable perspectives on the property and the local vicinity.If feasible, reach out to the property owner or management company to pose any queries and clarify any particulars before finalizing your reservation. This might encompass inquiries about the property's amenities, ascertaining availability, confirming the rental terms and conditions, and discussing any specific prerequisites or preferences you may have. Contemplate any additional services or added amenities at your disposal, such as grocery delivery, transportation, or activity suggestions, to enhance your overall retreat experience.To sum up, discovering the ideal retreat in a rustic dwelling for rent near you affords the chance to break away from the cacophony and commotion of everyday life, reconnect with nature, and embrace an alternative lifestyle. There's an array of options to choose from, whether you seek a snug cabin, a commodious farmhouse, or an age-old cottage. When seeking a rural rental, ponder the advantages of renting a rural dwelling, how to locate the ideal retreat in your vicinity, and what to scrutinize when selecting a property. By thoughtfully weighing your preferences and priorities, as well as the magnitude, arrangement, location, and surroundings of the property, you can discover the flawless rustic dwelling for rent and arrange a tranquil and invigorating retreat.
View our amazing property deals at TheLotStore.Com.
Additional Information: https://thelotstore.com/finding-the-perfect-retreat-rural-houses-for-rent-near-me/?feed_id=10993
submitted by TheLotStore to u/TheLotStore [link] [comments]


2024.05.19 23:20 stockinvest-us AMD Gains 1.14% to Close at $164.47, Showing Technical Strength Despite Overvaluation 🚀📈 #AMD #StockMarket #TechAnalysis

🚀 Unlock Exclusive Insights on AMD: Get deeper analysis and expert views on AMD's latest market trends before you read on. Click Here to Dive In 🌟
Technical Analysis
Advanced Micro Devices, Inc. (AMD) closed at $164.47 on May 17, 2024, reflecting a gain of 1.14%. The stock price fluctuated between $162.32 and $169.72 on the same trading day. Despite the recent uptick, the price remains below the 50-day moving average of $167.81, but comfortably above the 200-day moving average of $140.04. The relative strength index (RSI14) at 55 indicates moderate momentum. The MACD is slightly negative at -3.52, suggesting a bearish trend over the last three months.
Key support and resistance levels are identified at $162.62 and $181.86, respectively, with a stop-loss at $158.88. The current volatility is reflected in the average true range (ATR) of 3.80. Trading volume stood at 65.68 million, surpassing the average volume of 61.93 million, hinting at higher interest and potential price movements.
Fundamental Analysis
AMD boasts a market cap of $265.83 billion, accentuated by robust AI growth potential, underscored by a recent tactical shift by Wolfe Research favoring AMD over NVIDIA for AI-related gains. The stock's PE ratio stands at a high 238.36, indicative of high investor expectations relative to earnings. With an EPS of $0.69, the intrinsic value derived from the discounted cash flow (DCF) model is approximately $64.38, considerably below the current trading price.
The stock has shown impressive performance, achieving a year high of $227.3 and a low of $93.12, indicating significant price volatility. Analysts' target consensus is around $160.66, sitting below the current price, with a median target of $170. Market participation shows a strong buy inclination with 26 'buy' ratings and only 3 'hold' ratings.
News Impact and Predictions
Recent coverage highlights AMD's favorable positioning in the AI sector. Wolfe Research's endorsement may bolster investor sentiment leading into the next trading day (May 20, 2024), likely contributing to short-term upward momentum. Conversely, alternative narratives suggest assessing competitors like Intel, potentially tempering some investor enthusiasm.
In the upcoming week, momentum from AI-related optimism may propel the stock price towards the resistance level of $181.86. However, given AMD's current overvaluation compared to its DCF, the stock could face resistance and corrective movements.
Intrinsic Value and Long-Term Potential
Long-term potential hinges significantly on AMD's ability to capitalize on AI advancements and maintain competitive margins. Despite the current overvaluation, historical performance and sectoral tailwinds provide a bullish outlook. However, with the P/E ratio considerably high, a market correction could align the stock closer to its intrinsic DCF value of $64.38, representing a significant downside risk.
Overall Evaluation
Given the current technical setup, high valuation metrics, and bullish sentiment on AI growth juxtap [...]
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submitted by stockinvest-us to StockInvest [link] [comments]


2024.05.19 23:08 F_FIE Can another APE validate and re-validate? This is shows who the majority are. This is what they are afraid of!

Can another APE validate and re-validate? This is shows who the majority are. This is what they are afraid of! submitted by F_FIE to FFIE [link] [comments]


2024.05.19 23:08 NefariousnessNext840 Navigating Retirement Savings: Balancing Aspirations with Realistic Growth Expectations.

Hi everyone,
I wanted to share some insights and calculations regarding my retirement savings and get your thoughts and feedback.

Background

I'm planning for retirement at 67, which is the state pension age in the UK. Here's an overview of my current savings:
1. Pension Fund:
2. Stocks & Shares ISA:

Projections

To get a realistic view of my potential retirement savings, I compared the historical fund CAGRs with a more conservative, realistic CAGR of 8.8%.

Using Historical Fund CAGRs:

Using a Realistic CAGR (8.8% for both funds): EDIT: Added in adjusted for inflation section, which was an oversight on my part.

Year-by-Year Growth (8.8% CAGR) from 2024:

Year Pension Balance (£) S&S ISA Balance (£) Combined Balance (£) Inflation-Adjusted Combined Balance (£)
2024 55,381.10 38,466.72 93,847.82 93,847.82
2025 63,468.24 44,251.79 107,720.03 105,097.79
2026 72,347.38 50,605.95 122,953.33 116,719.37
2027 82,090.24 57,580.77 139,671.01 128,750.79
2028 92,774.88 65,232.42 157,007.31 141,233.30
2029 104,486.28 73,622.02 178,108.30 154,211.10
2030 117,316.96 82,816.14 200,133.10 167,731.41
2031 131,367.65 92,887.22 224,254.87 181,843.79
2032 146,747.96 103,914.15 250,662.11 196,599.91
2033 163,577.24 115,982.76 279,560.00 212,054.07
2034 181,985.39 129,186.51 311,171.90 228,263.64
2035 202,113.78 143,627.13 345,740.91 245,289.99
2036 224,116.31 159,415.32 383,531.63 263,197.70
2037 248,160.48 176,671.60 424,832.08 282,055.64
2038 274,428.59 195,527.13 469,955.72 301,935.35
2039 303,119.04 216,124.66 519,243.70 322,914.08
2040 334,447.76 238,619.54 573,067.30 345,074.06
2041 368,649.77 263,180.87 631,830.64 368,502.00
2042 405,980.83 289,992.67 695,973.50 393,289.05
2043 446,719.26 319,255.21 765,974.74 419,530.62
2044 491,167.98 351,186.43 842,354.41 447,326.47
2045 539,656.62 386,023.52 925,680.14 476,781.15
2046 592,543.90 424,024.58 1,016,568.48 508,004.47
2047 650,220.21 465,470.52 1,115,690.73 541,112.83
2048 713,110.34 510,666.99 1,223,777.33 576,230.51
2049 781,676.57 559,946.62 1,341,623.19 613,488.30
2050 856,421.94 613,671.39 1,470,093.33 653,024.12
These projections provide a realistic outlook on my potential retirement savings, assuming a 2.5% annual increase in contributions to account for inflation and an 8.8% CAGR for long-term growth. I welcome any feedback or insights you may have—thank you!
While I've considered increasing my monthly contributions further, I believe I have found an optimal balance. This balance allows me to invest wisely for the future while still enjoying my present lifestyle without compromise. Additionally, I maintain a safety net by saving six months of my income in an easy-access cash ISA, currently earning a 5.10% AER (variable tracker).
I also explored the possibility of retiring at 60 and ran the numbers to see if I could reach a total combined balance of £1,000,000 without significantly sacrificing my current lifestyle. Unfortunately, achieving this goal would require more budget tightening than I'm comfortable with. As a result, I've decided to continue working until the State Pension Age (SPA) to build a more robust financial foundation.
Given the current state pension for 2024, which provides about £11,500 per year, integrating this into my financial plan could make a significant difference. If I retired at 60, a 4% yearly withdrawal rate from my savings would be necessary until the state pension begins. However, this approach would leave less room for unforeseen expenses or market fluctuations, adding a level of risk I'm trying to avoid.
By opting to work until 67, I enhance my financial stability, ensuring that my retirement savings can support not only my basic needs but also my aspirations for travel, personal interests, and a stress-free retirement. This strategy helps me balance a comfortable lifestyle now while safeguarding against outliving my savings, given the potential for a longer lifespan.
As someone who is very meticulous and analytical, I've delved deeply into these calculations to ensure thorough understanding and robust planning. Do you have any strategies or thoughts on balancing these trade-offs? I'm always looking for new perspectives on optimising retirement planning to align financial security with personal fulfilment.
submitted by NefariousnessNext840 to FatFIREUK [link] [comments]


2024.05.19 22:32 Money-Maker111 💗 GME 💗 The last T.A. you will ever read before retirement

💗 GME 💗 The last T.A. you will ever read before retirement
https://preview.redd.it/ukeny6kwtf1d1.png?width=628&format=png&auto=webp&s=96d286abad22a8c9bd568067a64acf7cf0c960f9
While ignoring what many are now saying (i.e. Short squeeze alert: GameStop stock set to soar) I wanted to give a fair, unbiased look at what looks to be starting here for $GME.
Last week, prior to the release of GameStop's new filings, there was Technical-Analysis-(T.A)-based merit supporting the near-term outlook for $300 per share for GameStop shares. As everyone already knows, when any company undergoes a material change that results in a change in share structure, then the T.A. has to be reset. New analysis is required in this case.
Ok, let's get to the T.A.:

Two Weeks Ago

12 days ago, back when the price was well-below $20, I posted in another subreddit: I posted that by T.A. alone, $100.00 per share is possible in May:
The moderators of that subreddit arbitrarily removed that post: you can still see it in my post history
Because I posted that- I was abhorrently harassed, insulted, and threatened by 'shills', 'skrulls,' 'bots,' and whatever else you could call them.

Last Week

GameStop has already obtained $80.00 in May; each $GME share was priced at $80.00 on Tuesday of last week.
Then, on Tuesday afternoon based on T.A., I posted that there would be a "hard shakeout" for the week:
There was a hard shakeout last week. The shakeout brought us to $19.70 on Friday.
On Wednesday of last week, the chart was evidencing that there was a completed Fibonacci retracement to around $28.54. There was also new support at that level. The stock shot back up to $40 range prior to coming back on Thursday to again retest the $30 range. That is when the company released its new filings- Friday morning.

Current Trends and Analysis

Now, GameStop has just alluded to dividends in various forms, subscriptions, etc... all of which would force short sellers to either cough up ridiculous amounts of money to the Company, or just straight up buy back the stock to cover.
This T.A. does not look at that. T.A. does not care about that. T.A. looks at what happened with the price on a price graph over time: what supports are still present, and what trends are showing. Let's look at the chart several years out:
Logarithmic view shows a channel. In early May, there was a breakout above that channel, followed by required retest which seems to have completed on Friday. Friday afternoon shows a small start of a rebound, off the top of the channel.
The linear chart for May 2024 is shown below:
RSI reveals gamma \"ramps\", Linear Regression shows the stock is oversold, and the price shows increasing orders of magnitude per ramp, showing that there is evidence of exponential rise of share price

What Artificial Intelligence is saying:

45 Minute Chart : Regular Investing Hours
https://preview.redd.it/zvn8mu7b0g1d1.png?width=1023&format=png&auto=webp&s=fdb6cb0cf28cd0f041572501fd82a3868e3c608e
30 Minute Chart : including Extended Investing Hours
https://preview.redd.it/m0tir2f80g1d1.png?width=1025&format=png&auto=webp&s=76b922ccdbb8334f747b0eeb06302b9432edf0a3

TLDR

Upon request, I conducted a fair, unbiased T.A. for $GME. This was necessary because GameStop just released new filings, which resetted short term chart analyses.
The price last week already obtained $80.00 per share. The price then quickly Fibonacci-retraced a whopping 75.4% toward the Fibonacci percentage of 78.6%. This was a very-strong-and-fast retrace which evidences a big, new, macro uptrend is now active for the stock. The current price is now a discounted $22.21.
There are gamma "ramps" happening now: each one propels the price up another order of magnitude each time (i.e., exponential growth). Linear Regression shows the stock is now oversold. The long term logarithmic chart shows that there was a big breakout in early May. Friday just completed its required backtest off its long term channel, and Friday afternoon started an immediate touch, followed by a bounce back up. All technicals point to a strong rebound coming in price. The previous price in 2021 was $125.00, which would be the only known resistance after $80.00. Artificial Intelligence too is now screaming 'buy,' as a rare new 'buy' signal has just come in on both 45 minute and 30 minute charts.
submitted by Money-Maker111 to WallStreetbetsELITE [link] [comments]


2024.05.19 22:16 rko2817 Tune out the tea leaves

Historically, unforeseen events have yielded unforeseen outcomes. And a possibly dead Iranian Prez is most certainly unchartered waters. Geopolitically and geopolitically. Such a seismic event would undoubtedly effect things. From petroleum to penny stocks.
In others words, if news breaking falls on Monday it won’t be a normal day by any stretch.
Steady as she goes 🤲🏻 📈📉
submitted by rko2817 to FFIE [link] [comments]


2024.05.19 21:54 NefariousnessNext840 Navigating Retirement Savings: Balancing Aspirations with Realistic Growth Expectations.

Hi everyone,
I wanted to share some insights and calculations regarding my retirement savings and get your thoughts and feedback.

Background

I'm planning for retirement at 67, which is the state pension age in the UK. Here's an overview of my current savings:
1. Pension Fund:
2. Stocks & Shares ISA:

Projections

To get a realistic view of my potential retirement savings, I compared the historical fund CAGRs with a more conservative, realistic CAGR of 8.8%.

Using Historical Fund CAGRs:

Using a Realistic CAGR (8.8% for both funds): EDIT: Added in adjusted for inflation section, which was an oversight on my part.

Year-by-Year Growth (8.8% CAGR) from 2024:

Year Pension Balance (£) S&S ISA Balance (£) Combined Balance (£) Inflation-Adjusted Combined Balance (£)
2024 55,381.10 38,466.72 93,847.82 93,847.82
2025 63,468.24 44,251.79 107,720.03 105,097.79
2026 72,347.38 50,605.95 122,953.33 116,719.37
2027 82,090.24 57,580.77 139,671.01 128,750.79
2028 92,774.88 65,232.42 157,007.31 141,233.30
2029 104,486.28 73,622.02 178,108.30 154,211.10
2030 117,316.96 82,816.14 200,133.10 167,731.41
2031 131,367.65 92,887.22 224,254.87 181,843.79
2032 146,747.96 103,914.15 250,662.11 196,599.91
2033 163,577.24 115,982.76 279,560.00 212,054.07
2034 181,985.39 129,186.51 311,171.90 228,263.64
2035 202,113.78 143,627.13 345,740.91 245,289.99
2036 224,116.31 159,415.32 383,531.63 263,197.70
2037 248,160.48 176,671.60 424,832.08 282,055.64
2038 274,428.59 195,527.13 469,955.72 301,935.35
2039 303,119.04 216,124.66 519,243.70 322,914.08
2040 334,447.76 238,619.54 573,067.30 345,074.06
2041 368,649.77 263,180.87 631,830.64 368,502.00
2042 405,980.83 289,992.67 695,973.50 393,289.05
2043 446,719.26 319,255.21 765,974.74 419,530.62
2044 491,167.98 351,186.43 842,354.41 447,326.47
2045 539,656.62 386,023.52 925,680.14 476,781.15
2046 592,543.90 424,024.58 1,016,568.48 508,004.47
2047 650,220.21 465,470.52 1,115,690.73 541,112.83
2048 713,110.34 510,666.99 1,223,777.33 576,230.51
2049 781,676.57 559,946.62 1,341,623.19 613,488.30
2050 856,421.94 613,671.39 1,470,093.33 653,024.12
These projections provide a realistic outlook on my potential retirement savings, assuming a 2.5% annual increase in contributions to account for inflation and an 8.8% CAGR for long-term growth. I welcome any feedback or insights you may have—thank you!
While I've considered increasing my monthly contributions further, I believe I have found an optimal balance. This balance allows me to invest wisely for the future while still enjoying my present lifestyle without compromise. Additionally, I maintain a safety net by saving six months of my income in an easy-access cash ISA, currently earning a 5.10% AER (variable tracker).
I also explored the possibility of retiring at 60 and ran the numbers to see if I could reach a total combined balance of £1,000,000 without significantly sacrificing my current lifestyle. Unfortunately, achieving this goal would require more budget tightening than I'm comfortable with. As a result, I've decided to continue working until the State Pension Age (SPA) to build a more robust financial foundation.
Given the current state pension for 2024, which provides about £11,500 per year, integrating this into my financial plan could make a significant difference. If I retired at 60, a 4% yearly withdrawal rate from my savings would be necessary until the state pension begins. However, this approach would leave less room for unforeseen expenses or market fluctuations, adding a level of risk I'm trying to avoid.
By opting to work until 67, I enhance my financial stability, ensuring that my retirement savings can support not only my basic needs but also my aspirations for travel, personal interests, and a stress-free retirement. This strategy helps me balance a comfortable lifestyle now while safeguarding against outliving my savings, given the potential for a longer lifespan.
As someone who is very meticulous and analytical, I've delved deeply into these calculations to ensure thorough understanding and robust planning. Do you have any strategies or thoughts on balancing these trade-offs? I'm always looking for new perspectives on optimising retirement planning to align financial security with personal fulfilment.
submitted by NefariousnessNext840 to FIREUK [link] [comments]


2024.05.19 21:35 Several_Ad5285 Short sale .

Short sale . submitted by Several_Ad5285 to shortstocksoldiers [link] [comments]


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