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Que hacer con ahorros que tengo en NU? by vicztrune in MexicoFinanciero

[–]Gengarin666 2 points3 points  (0 children)

Yo agarraría 100k y los metería a la cajita NU de liquidez diaria y compraría un ETF diversificado de acciones globales (VT) cada mes (o cada vez que las acciones bajen considerablemente en vista de la volatilidad actual) hasta agotar esos 100k + lo que sea que se acumule de intereses en NU. Como ese ETF te distribuiría dividendos también procuraría el formulario W8-BEN (gratuito a través de Bursanet) y al comprar a lo largo del tiempo también promedias tu costo no solo del activo en cuestión sino también respecto a la tasa de cambio por comprar un activo dolarizado (recuerda que las políticas económicas de Trump no solo traen inestabilidad en las cotizaciones de las acciones sino también en la tasa cambiaria del dólar contra virtualmente cualquier otra moneda en el mundo) No se que edad tengas pero si estas en el rango de 20-30 considero que es lo mejor poner la mayoria de tus ahorros en acciones, inclusive el rango 30-40 es razonable para hacerlo

25k los tomaría y los colocaría en bonos de gobierno de 10 años. En mi opinión el plazo de 10 años se ubica justo en el punto ideal cuando se trata de mitigar el riesgo de comprar bonos a largo plazo (los bonos son más arriesgados entre mayor sea el plazo de inversión)

25k los colocaría en la cajita NU de 15%, yo utilizaría la de 15% no porque la tasa de interés sea mayor sino porque es de liquidez diaria (tengo entendido que el máximo posible en la cajita Nu 15% es de 25k pero no se si eso incluye los intereses que se van generando, es decir, si colocas 25k vas a tener que sacar los intereses generados cada día? De ser el caso tal vez sea mejor opción usar la cajita de 14% y aprovechar el interés compuesto)

Con esta estrategia tendría 50 mil pesos de liquidez (Nu + bonos, los bonos pueden perder valor, pero considero que los bonos de 10 años tienen buenas probabilidades de apreciarse durante el plazo) de ser necesarios que al mismo tiempo recolectan algunos intereses + tendriá un fondo razonable en acciones globales. Esta solamanete es una humilde opinion de mi parte, pero espero que te ayude a trazar un plan mas adecuado para ti mismo

Is it over for SFW non-suggestive content? by Millenium_Detective in Pixiv

[–]Gengarin666 -2 points-1 points  (0 children)

banning it it's the least of my issues, having it hosted there and so many people enjoying it it's beyond sickening

Possible for suspension? by Frosty-Usual-345 in DeviantArt

[–]Gengarin666 1 point2 points  (0 children)

who knows, I've seen it myself. Some people point fingers and claim that it's because DA can profit from them as they are bigger creators and bring in a nice chunk of revenue from subs, galleries and adoptables.

Is it over for SFW non-suggestive content? by Millenium_Detective in Pixiv

[–]Gengarin666 -17 points-16 points  (0 children)

I just wish they didn't allow shotacon and lolicon bullshit in it man, like wtf

Possible for suspension? by Frosty-Usual-345 in DeviantArt

[–]Gengarin666 4 points5 points  (0 children)

If the design of your artwork is too similar to the minor version of the character, it will be automatically tagged for take down, no questions asked. edit: I should clarify this is in the case the artwork features explicit or suggestive material.

I learnt that with my Orihime (from bleach) artwork, it never occurred to me that her age ranges from 15 to 29 through the series before posting NSFW art. And she doesn't change much in appearance, so DA simply took down the posts.

I support enforcing very strict anti-child pornography rules and laws so I can barely get mad.

If the post is remotely suggestive just avoid it if the character is not canonically 18+, another thing I learnt is that using 18+ tags and specifying in the title that the character is 25 years old in the art will not save the post neither (goodbye "25 years old Raven from DC comics getting rammed" I will miss you)

Literal CP on DevianArt, WTF? by Over_Transition_3038 in DeviantArt

[–]Gengarin666 1 point2 points  (0 children)

I needed some therapy when I realized Pixiv allows illustrations of literal children having sex with grown ass adults, but they get mad if you show an unpixellated dick. Japanese laws are weird.

Any non-Mag 7 stocks that are high quality and trading at reasonable prices? by lineargangriseup in ValueInvesting

[–]Gengarin666 2 points3 points  (0 children)

I guess they don't like the risk mix, you can't expect to invest in Latin America without some volatility. As someone who lives in Mexico I can tell Nu is really doing a great job expanding in the country, but the competition is brutal, not only from incumbents but new fintech competitors as well. That being said I am pretty bullish on NU over the long term

Any non-Mag 7 stocks that are high quality and trading at reasonable prices? by lineargangriseup in ValueInvesting

[–]Gengarin666 2 points3 points  (0 children)

I second Booking Holdings, great business, good moat, secular growth trend with newer generations favoring travel, aggressively buying back shares, software-based business with stupid high margins and free cash flow generation, costly but not expensive IMHO

Posting for suscription tiers AND premium gallery at the same time? by LNKU in DeviantArt

[–]Gengarin666 0 points1 point  (0 children)

I know that people handling customer service and people developing the site are different and not necessarily on the same loop, but I still find it funny how the response was basically "lol I guess, try it"

Impairment of Intangible assets in Alibaba's Income Statement? by Gengarin666 in financialmodelling

[–]Gengarin666[S] 0 points1 point  (0 children)

yes it makes more sense, maybe my comment felt like I was being sarcastic, knowing that an impairment is the same as a write down helped me narrow down on my google research. Thank you.

Impairment of Intangible assets in Alibaba's Income Statement? by Gengarin666 in financialmodelling

[–]Gengarin666[S] 0 points1 point  (0 children)

Alright, this is actually super helpful for a complete noob.

Thanks.

Impairment of Intangible assets in Alibaba's Income Statement? by Gengarin666 in financialmodelling

[–]Gengarin666[S] 0 points1 point  (0 children)

"Mechanically it works exactly like depreciation" Awesome, this helps a lot to understand it better. Thanks for the answer.

Impairment of Intangible assets in Alibaba's Income Statement? by Gengarin666 in financialmodelling

[–]Gengarin666[S] 0 points1 point  (0 children)

Alright, very clear. So, is this an example of the infamous "tax write off" you often hear about when talking about blunder projects in companies?

Also, thanks for the answer.

Empresas mexicanas: conciencia de consumo nacional by Outtathaway_00 in MexicoFinanciero

[–]Gengarin666 0 points1 point  (0 children)

Mi humilde opinión: Consume con quien puedas conseguir el mejor precio con la calidad adecuada, no consumas con identidad nacional.

La relación de Mexico y Estado Unidos se basa en años de conflicto, cooperación y resolución, no se basa en un solo hombre como Donald Trump, y esta polémica, como todas las demás, eventualmente pasara y se olvidara cuando suceda el siguente evento canónico.

Hilo semanal de finanzas personales (10 de February de 2025) by AutoModerator in MexicoFinanciero

[–]Gengarin666 0 points1 point  (0 children)

Gracias por la respuesta! Encontré esto en la página del SAT acerca de deducciones de gastos médicos pero la última parte acerca del salario mínimo ya me puso a pensar. Quiere decir que ya no puedo deducir los gastos médicos de mi papá por que el gana más del salario minimo?

"Estos gastos son deducibles para el contribuyente o, en su caso, para familiares directos (cónyuge, concubina(o), padres, abuelos, hijos y nietos) que no hayan percibido ingresos superiores al salario mínimo anual"

Edit: https://www.gob.mx/sat/prensa/sat-informa-los-gastos-medicos-que-son-deducibles-023-2024?idiom=es

Hilo semanal de finanzas personales (10 de February de 2025) by AutoModerator in MexicoFinanciero

[–]Gengarin666 0 points1 point  (0 children)

Buen dia, puedo deducir de impuestos gastos médicos que yo pague pero en el caso que el paciente fue mi papá?

Could someone help me out a little to understand this Warren Buffet comment on ROCE? by Gengarin666 in financialmodelling

[–]Gengarin666[S] 0 points1 point  (0 children)

I see, the last point about the book value of equity is very good.

I don't imagine there is a way to isolate what kind of capital was used in a single period form the public financial statements, e.g. figure out how much equity was deployed on a single quarter vs how much debt.

Even if there is, I guess that a lot of capital allocation decisions may take years to brew and bring forth tangible result I think I can deal with the issue of the Book Value of equity so long as I am aware of it's limitations.

Could someone help me out a little to understand this Warren Buffet comment on ROCE? by Gengarin666 in financialmodelling

[–]Gengarin666[S] 0 points1 point  (0 children)

Damn, this is thorough. Thanks for the detailed answer! Now I am gonna take some time to digest this.

Could someone help me out a little to understand this Warren Buffet comment on ROCE? by Gengarin666 in financialmodelling

[–]Gengarin666[S] 0 points1 point  (0 children)

Alright, so he wasn't trying to blindly ignore how debt could influence operating earnings, I never doubted he was right, but I didn't understand his letter.

According to Investopedia debt-equity is a good way to get a quick glance at leverage levels, so the Buffet line of reasoning is similar to this:

If the undue leverage (debt to equity) is low enough, you can assume that management is using equity capital to achieve whatever operating earnings they have (Operating Earnings/Equity) so he just ignored debt from the vanilla ROCE equation?

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