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Messages - Ephraimh

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General Discussion / Re: Stocks
« on: June 03, 2020, 07:01:24 PM »
On what basis is this stock worth so much? On what basis is the market cap 63bb?

I'll give it to you that people will continue using zoom to a certain extent even after this is all over however most businesses will go back to normal.

To value zoom based on what's going on now doesn't make sense to me.

I may be wrong..
While you make some very valid points, whenever shorting, remember that the market can be irrational for longer than you or I can remain solvent.
And your maximum gain -as in every short position- is only 100%, while this stock in this environment can easily pull a Beyond Meat on you, and youíll be out a few 100%.

You donít wanna be short ZM when the inevitable happens, and large corps start releasing their work from home press releases..

General Discussion / Stocks
« on: June 03, 2020, 04:00:59 PM »

General Discussion / Re: Any mortgage experts on the forums?
« on: June 02, 2020, 07:54:04 PM »
Should someone sign a forebearance agreement or is better to wait and/or just have a verbal agreement
Update: Deferral/forbearance will hurt your mortgage approval odds with certain banks, see attached

Is there any use fighting one of these tickets with one of these apps that fight nyc traffic tickets (like winit)? Was pictured speeding 14 over and presumably am wrong but just wondering if I should simply pay it immediately or if there was any way to have it dismissed or have the fine lowered.
WinIt app rejects camera tickets automatically.

General Discussion / Re: Stocks
« on: May 28, 2020, 04:00:00 PM »
Good luck! Do you keep it all for the long run or you try to time the market's peak hype too?

General Discussion / Re: Stocks
« on: May 28, 2020, 03:20:55 PM »
Many bought. Question is who bought on May 14 in the morning.
I did!

I usually suck at catching a bottom, but Iíve been good at it lately..

Others Iíve caught at the bottom:

Hope it lasts..

General Discussion / Re: Stocks
« on: May 12, 2020, 07:25:37 PM »
Apple is on top of their game I'm thinking BlackBerry
Exactly. Think of both..

Winning in the consumer product market is not about being first and fending off those who try to catch up. Itís all about the quality of the product and the ability to create a loyal brand following. Those who have it survive and thrive. those who donít, die. Tesla has it. BlackBerry did not. Apple still does.

General Discussion / Re: Stocks
« on: May 12, 2020, 03:22:08 PM »
Won't be hard for competitors to catch up in no time
Itís not about catching up, think Apple

How long does this stay on your record?
Till the end of the loan/lease or longer?
Like any other late fee.

But in general when it comes to being approved for a mortgage, thereís a difference between being late on a mortgage/housing payment vs being late on a car loan or on a credit card for that matter, a late on a mortgage payment effects your mortgage approval odds far more than being late on a non-housing loan.

So talk to your mortgage broker before prioritising on which loan to accept a forbearance offer and on which one not. Accepting on a car lease might be the better option.

Also, I heard from somebody who heard from a mortgage broker (take it for what itís worth) that he pulled credit for a client and the deferral showed as a negative in the report, I have no way of confirming it, but thatís what he said.
Update: Deferral/forbearance will hurt your mortgage approval odds with certain banks, see attached

General Discussion / Re: Stocks
« on: May 08, 2020, 12:47:52 PM »
AAL I'm really nervous about.
My only airline position pre-virus was AAL, I was pretty nervous about it, so I added DAL and UAL.

I wasnít comfortable sitting with AAL and its huge debt load, if one airline is gonna go itís gonna be them.. but the airline industry as a whole will survive and be a decent business with a growth potential one day once again.

General Discussion / Re: DansDeals SMS Alerts (DDF Beta Testing)
« on: May 08, 2020, 12:38:27 PM »
The post on DDMS regarding DDMS notifications should probably also include the GroupMe app push notification option for the (large amount of) DDMS readers with smartphones but with a filter that doesnít allow Telegram.

General Discussion / Re: DansDeals SMS Alerts (DDF Beta Testing)
« on: May 04, 2020, 03:22:14 PM »
My filter doesnít allow Telegram, and twitter SMS somehow never worked for me, I just signed up and already got the first DansDeals bot notification on the GroupMe app!

So Iím actually benefiting from this whole mess..

General Discussion / Re: Moving Violation Tickets
« on: May 04, 2020, 11:19:18 AM »
I'm sure that they are closed. All Courts are closed except for essential proceedings. I would check the TVB website, my guess is that they have some statement saying that all proceedings are adjourned without date.
Iím surprised they even bothered to put it on the website but there it is. Thanks.

General Discussion / Moving Violation Tickets
« on: May 04, 2020, 10:44:10 AM »
A bit of topic, I have a scheduled hearing today for a moving violation at the Brooklyn North TVB on Atlantic Ave. I did not get a rescheduling notice, naturally thereís no one to talk to on the phone and the website is barely a website.. so no information there either.

Any idea if theyíre open?

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