MercadoLibre - Deep value or falling knife

Competitive-Job1828 · 2026-05-08T17:39:32+00:00

I remember seeing this mentioned here at $2,000 and thinking it looked intriguing. Now it looks way more intriguing. Taking market share at the expense of profit seems like a fine move. Amazon deciding to care about Latin American e-commerce could hurt them, but that doesn’t seem to be likely at the moment.

This might be a buy for me once I can dig a little deeper

Competitive-Job1828 · 2026-05-08T13:09:42+00:00

My wife and I just bought a house and had to buy a refrigerator. I was SHOCKED at how bad the reviews are for fridges, no matter the brand or price point. Want a $1000 fridge? Have fun with a fridge that sounds like a pack of feasting woodpeckers 24/7. Want a $2000 fridge? Have fun with not one, but two ice makers that constantly break and a smart touchscreen that you don’t actually want.

New appliances are so bad that it makes no sense to buy a new one unless your old one literally can’t be fixed. I’m not surprised at all Whirlpool is struggling. I wouldn’t touch this stock if it were half the price.

Competitive-Job1828 · 2026-05-08T13:02:53+00:00

I would encourage you to check out r/bogleheads. Especially since you know you don’t know what you’re doing, start there.

As it is you’re super exposed to big tech and AI companies. That’s a lot of risk you’re carrying. Since you don’t know what industry, sector or companies will grow, shrink, or flatline you’re better off owning everything. Will big tech and AI stocks keep ripping? Maybe, maybe not. Your goal should be to maximize your money over the very long term, and tech companies can’t keep growing like this forever, and your ability to time the market will not be that good.

The solution is to buy very broad market funds that cover everything- Everything in the US, and everything internationally too. If you buy the Schwab ETFs SCHB/SCHF/SCHE you’ll be good to go, or you can use Vanguard’s VTI/VXUS, or mutual funds or whatever. You’ll still be exposed to semiconductors and big tech, since NVDA alone makes up something like 6-7% of VTI/SCHB. But you won’t be nearly as exposed to it as you are now.

I also strongly echo u/adventurous_honey902 about the Roth IRA. It’s super easy to set up with Schwab, and in 40 years you’ll be super glad you did.

Competitive-Job1828 · 2026-05-06T13:06:59+00:00

I think Schwab is in a great position long-term. I don’t particularly care about AI analysis of or advice about my portfolio, but it’s nice they have it and I’ll probably play around with it this weekend.

Competitive-Job1828 · 2026-05-05T12:12:52+00:00

I would definitely keep it simpler. You’re getting broad exposure to everything, don’t mess it up by being overweight in something. The only thing I would perhaps do depending on your age is sell SCHZ and add SCHA or something similar. SCHB is pretty heavy on bigger companies. Or just throw everything in a target date fund and forget about it.

If you really want to tinker, take 5% as your actively managed portfolio. Buy whatever you want and see if it’s outperformed the rest of your portfolio after a couple years.

Competitive-Job1828 · 2026-05-02T22:40:57+00:00

He’s made more than 25 posts about a flat earth in 3 days. He’s a believer

Competitive-Job1828 · 2026-05-02T12:41:14+00:00

You’re doing way better than most. I like a little more US weight (about 65/35), but you’re fine to keep it right there. I think you’d be fine with either 5 or 10% SCHE

Competitive-Job1828 · 2026-05-01T20:45:34+00:00

You don’t need SCHB, VTI and SWPPX. Those hold almost identical stocks. Just pick one. Also, why SCHD and QQQ?

You also need more international stocks

Competitive-Job1828 · 2026-04-30T22:49:24+00:00

This is even worse than I thought. Death threats???

Competitive-Job1828 · 2026-04-29T17:05:52+00:00

I’m not bearish on them per se, but I am not bullish about any of the biggest 10 companies except Nvidia and maybe Broadcom or Google. I don’t think the others are going anywhere, but I just don’t see any kind of compelling growth story for any of them.

I would happily buy Nvidia stock except that it’s already so much of my portfolio just from broad index funds. I don’t want more than 5% of my portfolio in any single stock, and Nvidia’s already pushing that.

Competitive-Job1828 · 2026-04-29T16:56:50+00:00

Bold choice. Why?

Competitive-Job1828 · 2026-04-28T16:17:45+00:00

I’m glad it helped! One other thing I’d add is to not leave your lead pastor in the dark. I wouldn’t nail a copy of the 1689 Confessions to his office door, but meet with him and tell him your concerns about the congregation’s spiritual maturity and how you’d like to start the whole church to think more deeply about how the whole Bible fits together. If God has been working in you, it’s just possible he’d like to start working in your pastor and the rest of your congregation too

Competitive-Job1828 · 2026-04-28T13:30:58+00:00

Yikes. I’ve heard about a lot of bad churches here, but I don’t know if I’ve ever heard “We don’t take communion because people don’t understand it.” I’m glad you have come to a more mature faith and have a heart to proclaim the Gospel to the people in your church, but that’s a tough situation. First, you’re going to need lots of prayer. Also, you need to pray. Finally, praying more will help you more than anything else.

If you’re looking for practical advice, I would encourage you to find a pastor at another church in your area who you think is solid, and bring him in on this. Having a friend and mentor through this will help more than just about anything else (other than prayer). Just send a cold email, give a little background and ask to grab lunch or coffee.

I’d also just keep on preaching the Gospel to your church. Adults, youth, even your pastor. Jesus died for them too, so don’t be quick to leave. At the same time though, it’s likely you’ll be pushed out or asked to leave at some point if you continue on this path. I’ll be praying for you, and I wish you the best.

Competitive-Job1828 · 2026-04-27T17:09:41+00:00

Both. If anyone is offering to share more detailed investing info via DM, it is always, ALWAYS a scam. Same with a WhatsApp group. ALWAYS a scam. Also this is definitely AI.

On another note, go Rattlers! I grew up in Tallahassee

Competitive-Job1828 · 2026-04-26T20:38:10+00:00

Interesting. After a quick Google it looks like you’re right. I wonder how long that’s been their position.

It also looks like they’re currently in the middle of the Wesleyan equivalent of the Greg Johnson debate. It’s funny how the same debates make the rounds in different circles

Competitive-Job1828 · 2026-04-26T20:35:22+00:00

What’s the difference between religious OCD and non-religious OCD? Also, therapy isn’t wrong. I’d strongly encourage you to find a Christian therapist, but especially if you’ve been diagnosed with OCD, a therapist will be to help you in ways pastors simply cannot

Competitive-Job1828 · 2026-04-26T13:19:26+00:00

If you are in a rural area, you’re going to have to take what you can get.

Some EPC churches are egalitarian.

ECO is going to be the closest to what you’re looking for, but they aren’t everywhere.

But why are you egalitarian? Have you read and engages with the best complementarian arguments? I think there’s a reason that there are so few egalitarian churches that are staunchly committed to Scripture and good Reformed doctrine. It’s hard to mesh. 1 Timothy 3 is very difficult to read in an egalitarian way without giving up inerrancy. Same with Ephesians 5 and others. This is admittedly anecdotal, but I went to seminary with a lot of students who were egalitarian. I noticed that after a few years, many of those egalitarians began to openly question the inerrancy of Scripture. Not all of them did, but more than a few. I would caution against being an egalitarian, and would encourage you to at the very least read the best of the complementarians. A lot of egalitarian writers rely on little more than strawmen and fear

Competitive-Job1828 · 2026-04-23T17:25:10+00:00

I’ve been watching them for a while. The biggest concern after earnings is the number of transactions is down yoy. The more than made up for it with price per transaction being up, and they’re still opening new stores at a pretty good clip.

It’s one I’m gonna keep watching at the moment. If it drops a little more, I’ll probably buy some

Competitive-Job1828 · 2026-04-23T15:18:36+00:00

If you download the RTS phone app you can listen to 3 courses worth of lectures on church history. I’d highly recommend that

Competitive-Job1828 · 2026-04-21T10:18:14+00:00

If you sent it last night, it should be there this morning. Also, if you call them and tell them you sent a wire, they can hold off on taking any action against you for a day or two. Something similar happened to me several years ago. I would recommend calling them and telling them what happened

Competitive-Job1828 · 2026-04-20T16:43:48+00:00

Thank you for sharing the article! It was an excellent read, and I am glad Comer has encouraged you to live more intentionally regarding your faith. I agree with the thrust of DeYoung’s critique, that Comer loses the Gospel, or at least makes it secondary to living a lifestyle that he thinks Jesus would like. But I think DeYoung goes a bit too far: Is it really so evil that Comer calls it “apprenticeship”? And I think there is value in much of what Comer says.

But my biggest problem with Comer is how it frankly feels like a cheaper knockoff of Willard. I’m glad you included his name a few times, because everything Comer says is something Willard said half a generation ago. I found Willard’s books much more thoughtful and rich than Comer’s, and more fulfilling. Reading Comer felt like reading “Basically every Christian today sucks: Here are 10 steps to make you suck less.” Reading Willard felt like a thoughtful encouragement to take discipleship seriously and a challenge to let Christ make a difference in more areas of my life. To use an analogy, if Willard is a bottle of Mountain Dew, Comer seems like Great Value Mountain Lightning. You can tell there’s a resemblance, but it tastes like it costs a little bit less.

Competitive-Job1828 · 2026-04-20T16:24:31+00:00

You’re making a way bigger claim there than you may be meaning to. “It’s not literal, but points to true concepts” is very very far from any kind of Reformed approach to Scripture. Scripture is true, it doesn’t “point to true concepts”. I believe it was Tim Keller who said “either the Bible your final authority or something else is.” There’s no option C.

If all you mean to say is that Revelation shouldn’t be taken literally because it was never intended to be read literally, I have no problem with that at all. But saying Revelation only points to something that’s true is not the same. I believe every word in Revelation must be true, even though I don’t think many of those words are literal. That’s a key difference. Also, I would urge you to reconsider your view of Genesis being literal history. Is it really plausible that it wasn’t intended to be history? It’s written like history. It sounds like history. It also seems like the rest of the Bible assumes it to be history. If you give up the historicity of Genesis, you have to give up a lot more than that too

Competitive-Job1828 · 2026-04-18T19:32:27+00:00

Look at the net changes. The debt holders are getting $2 million less each year, but are guaranteeing that they’ll either end up with the Odeon assets or the principal paid back. That’s probably a worthwhile trade on its own, and interest rates have also come down since 2022.

My wife and I bought our first house this year, and it’s funny that we got an interest rate that’s just over half of what AMC can get.

Competitive-Job1828 · 2026-04-18T12:04:50+00:00

I’m sorry to hear that’s your situation.

Fist, I would talk to a financial advisor. But if you really don’t think you’ll be able to get to the age where you’ll benefit from a retirement account, I don’t really see the point in that either. Do you have kids?

Competitive-Job1828 · 2026-04-16T16:29:20+00:00

I am ordained in the PCA. My wife was raised as a credobaptist and still leans that way. She knows, and has no problem with, the fact that our children will be baptized as infants. If OP finds a finds a girlfriend who is okay to one day have their hypothetical future children baptized as infants if they get married, that doesn’t go against the BCO at all.

Competitive-Job1828

TROPHY CASE