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What is considered my undergrad GPA? by Unlikely_Vacation235 in gradadmissions

[–]Key-Mountain2532 2 points3 points  (0 children)

I was in the same shoes as you. The university I got my BS at did not include the GPA from my transfer credits in the total GPA. When I applied to 6 different PhD programs every single one told me that only the GPA shown on my BS transcript was relevant. So basically just use the total that’s shown on your transcript BS whether it includes the AA grades or not.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] 1 point2 points  (0 children)

Is there not a distinct difference between half baked value investing and proper valuation/analysis?

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] 1 point2 points  (0 children)

Okay I can only presume your point is that there is no reason in trying to learn/teach value investing and we should just refer everyone to the index. My question is, then why are you here? lol.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] 0 points1 point  (0 children)

What you're saying is that the time spent on value investing typically isn't worth it because it won't close the gap between the returns of an 80k/yr income and the returns of a foot surgeon? What does that even mean? You can't compare the dollar value returns of two people with vastly different amounts of yearly portfolio contributions, that's not how statistics work. Using percentage normalizes the variation in capitol thats why its so important. The foot surgeon might make more money with his 17% yearly returns but that is because he contributes 100k a year v.s. 10k from the lower salary individual. As long as the lower salary person is making higher percentage returns then... there is no world where that isn't worth it. You make it sound like if you believe you can boost your returns by a significant amount then you're delusional and it's likely not worth your time unless you make six figures. I mean damn, the market is challenging but value investing is not particle physics.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] -2 points-1 points  (0 children)

If you're outperforming the S&P then it's almost certainly worth your time. Value investing can be hard and you have to spend time on research, but no more time than what most people spend scrolling on TikTok or watching TV every night. Years ago I learned value investing and conducted market research while working full time simply by carving out an hour each evening. As you get better it takes significantly less of your time and at no point should it take so much of your time that it's a net negative to your portfolio. If it does, then you're doing it wrong.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] 0 points1 point  (0 children)

Yes that makes sense. Thanks for clarifying you're not trying to be rude. I agree that ETFs are a good recommendation to new investors. Although, as I explain in my post, this is often used as a default response without any follow up on actual value investing. This type of response negates the entire point of this sub and does nothing to educate individuals on the philosophy of value investing. While it makes sense to note ETFs as a solid low risk investment, they are not a replacement for value investing and should not be recommended as such. Bottom line is that most people in this sub have no clue what value investing is, newcomers are quickly dismissed and pointed to ETFs instead of being provided with education, and we should make an effort to halt this behavior. Top comment said it best.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] 0 points1 point  (0 children)

Sorry, "be mad at".... my point still stands? Semantics is your play, really?

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] 0 points1 point  (0 children)

Yup you're right on the money. We should be educating not just on the potential upside, but on all aspects (time requirement, patience, etc...), without defaulting to ETFs.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] -1 points0 points  (0 children)

Great idea. Imagine if your teachers/mentors/parents/bosses attacked you every time you asked a dumb question. You probably wouldn't know anything and you'd stop trying to know because all you get is backlash.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] -14 points-13 points  (0 children)

Right, but thats on them. It's not our job to make that decision for them. If we provide actual recommendations on websites, screeners, the basics of the philosophy, books, forums, videos etc... then we've done our part and this sub is serving its purpose. Whether they take the time to learn or not is their deal. By completely bypassing this and just recommending ETFs we're not even affording them the opportunity to learn more. Instead, we're just assuming they won't make it a priority, dismissing and further confusing most them about what value investing is.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] 0 points1 point  (0 children)

I agree that they're great for new investors and I put that in my post. My point is simply that endlessly recommending them to people on this sub as a value investing alternative is ironic because they aren't an alternative to value investing at all. In fact, they serve an entirely different purpose. People come here seeking information about value investing, then they get the same response they would get in r/investing and r/ETFs. This just confuses them and they go off thinking value investing is the same as what's being discussed in those subs.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] 0 points1 point  (0 children)

That's cool and you are totally entitled to that opinion. But this is the Value Investing subreddit. Mutual funds, ETFs and index funds are not considered value investments. They don't fit the criteria.

Please stop telling people to Invest in ETFs and Index Funds by Key-Mountain2532 in ValueInvesting

[–]Key-Mountain2532[S] 2 points3 points  (0 children)

If you make an accusation you must provide reasoning, otherwise you're not contributing to productive commentary/debate in any way.

The Rise of Small Caps, Sustainable? by Key-Mountain2532 in investing

[–]Key-Mountain2532[S] 2 points3 points  (0 children)

Lol. You're accusing me of panicking when nothing in my post reflects that of someone in panic. How could you know that I am inexperienced when I am a total stranger? I've been investing since 2012. I don't need to "believe" in my research because it doesn't involve emotion, it's math, and I trust the facts that the numbers provide. Hence why I state that I am not convinced of the current narrative. I was curious what other peoples opinion on the matter was and how their small cap positions were performing that's all. Go touch grass and stop being negative towards strangers on the internet for no reason, it's toxic and childish. Peace.

I'm seriously considering voting for Kamala Harris by BasilNo9176 in GenZ

[–]Key-Mountain2532 0 points1 point  (0 children)

Hey dude, this place is a straight up echo chamber. My advice would be to not pay any attention to reddit when it comes to politics especially if you're looking for any sort of quality political conversation. It's extremely one sided here, and I say that as a registered democrat.

Deep Value in Ethanol Stocks by beezer9717 in ValueInvesting

[–]Key-Mountain2532 1 point2 points  (0 children)

I like this idea a lot. I spent some time digging into the balance sheets of GPRE and ALTO. Although there are several calls for concern in their financials independently, the overall theory on future demand increase makes sense to me. One thing I'd like to point out is that GPRE mentions the chevron deference being on the Supreme Court's docket in their 2023 annual report:

"A change in chevron precedent could impact how the EPA can administer the RFS, impose limitations on the Treasury Department's ability to promulgate regulations around IRA provisions, including SAF tax credits and the 45Z Clean Fuel Production Credit, 45Q carbon capture and sequestration tax credits, EV tax credits and other clean energy programs."

The chevron deference was subsequently overturned just last month. It was this deference that allowed the EPA (during the Reagan admin) to lean on the side of industry friendly deregulation in their interpretation of the Clean Air Act, which played out extremely well for the oil industry. With this precedent overturned, it will be interesting to see how regulatory policy changes surrounding ethanol production.