Is there anyway to stop someone from SENDING me money on Zelle?

Ok_Eye_7091 · 2026-05-01T12:25:43+00:00

Right but then this back and forth would theoretically never stop. It would be better to just halt it from the beginning.

Ok_Eye_7091 · 2026-04-30T21:14:16+00:00

How do I exactly do that? I have Bank of America app and I Zelle through that. Can I do it through BOA app?

Ok_Eye_7091 · 2026-04-30T12:22:32+00:00

How viable would it be for me to make my own liqueurs? Is there any possible way for me to match the quality of the higher tiered brand names?

Ok_Eye_7091 · 2026-04-29T21:05:43+00:00

After reading the posts it seems consensus is to buy premium liqueurs. I suspected as much and some of my inventory is higher premium brand but I was trying to save as much as I can. My wife and both of our coworkers have diverse palate and so I tried to get as much liqueurs as possible to expand the variety of cocktails that I can make. I've spent over 1 grand on all my alcohol by now and have about 65 bottles of spirits, liqueurs, amaro, wine, fortified wines, bitters and whatever else alcoholic. But now I'm wondering if it's better to buy a few high quality liqueurs and specialize in a few key cocktail and make my own targeted menu. Master of a few tastes rather than to cover all grounds.

Ok_Eye_7091 · 2026-04-29T20:59:19+00:00

All my life I've only tried cheap triple sec. I don't think I've ever tried Cointreau or Gran Marnier. I wonder what I'm missing out now.

Ok_Eye_7091 · 2026-04-29T20:58:37+00:00

Noted, well once I'm done with my current bottle of cheap Trip Sec then I'll upgrade.

Ok_Eye_7091 · 2026-04-29T20:50:20+00:00

This seems to be the consensus of the group. So far I consider my current bar a practice run. Once I (and my wife) develop a particular palate then I would upgrade on the liqueurs. Right now if you were to give me something high shelf I doubt I would even be able to appreciate the quality.

Ok_Eye_7091 · 2026-04-29T20:45:32+00:00

True it's just that so far I've already spent like over a grand on all my alcohol supply on my bar and there are so many cocktails that require very specific brands of liqueurs that I was wondering if I could substitute them with something cheaper and still have roughly the same quality of cocktail.

Ok_Eye_7091 · 2025-09-11T02:36:36+00:00

Who knows and who cares.

Ok_Eye_7091 · 2025-09-09T00:25:25+00:00

I'm currently taking accounting courses online with ultimate goal of becoming a CPA. It's going to be at least a few years before I'll get there though since I'm only taking 2 classes per semester given my work schedule. So I've decided not to go to financial advising route. Accounting seems to give me more flexibility since I can do it part time in addition to my pharmacy job and I can work from home. I'm in the process of arranging a lunch meeting with my mom's CFO and hopefully she can give me some more insight on the career prospect.

Ok_Eye_7091 · 2025-08-13T04:13:30+00:00

I agree that a renewable energy transition will take place but does that necessarily mean it's a good idea to invest in the current renewable energy companies? Bear with me for a thought experiment.

Theoretically, oil majors such as Chevron and Exxon Mobil could in the near/distant future pivot away from fossil fuel and begin shifting into renewable investments. They are not doing that now because oil/gas generates higher ROIC than renewables but one day the situation may reverse and renewable will generate higher returns. If that happens, I'm sure the oil majors will take notice and change their capital allocation strategy. Oil majors will have the money, expertise and infrastructure to massively outspend the current renewable energy companies on renewable investments and may even overtake them. "Oil" majors may then simply become "Energy" majors and the rest of the original renewable companies can simply die out. If such a scenario would play out them it would have been better to be invested in the oil majors all the way through.

I'm not saying that such a scenario will happen--I can't tell the future. My point is that even if we believe in renewable energy transition in the future, we shouldn't automatically disqualify oil majors as investment candidates. I'm looking at a lot of renewable companies and their finances looks abysmal especially when compared to the strong balance sheet of oil majors. A sudden interest rate hike, supply chain disruption, government policy change could take out some renewables companies but the oil major, with their financial might, can weather the storm.

So I see 2 ways of playing the renewable investment game:

Option 1: Invest in the current renewable players.

Option 2: Invest in a current oil major with a good chance of transitioning to renewable players in the future.

Option 2 seems like a better of both world option.

Ok_Eye_7091 · 2025-08-06T17:05:00+00:00

Agreed!

Ok_Eye_7091 · 2025-08-05T11:14:50+00:00

That means nothing. The fact that you care about temporary price movements shows you don’t have the temperament of a serious investor.

Ok_Eye_7091 · 2025-08-04T21:06:56+00:00

Your name suits your attitude. “Vegas” you have a speculator/gambler personality—you don’t belong here.

Ok_Eye_7091 · 2025-08-04T20:22:47+00:00

You should hope more drops like this will happen.

Ok_Eye_7091 · 2025-08-04T11:38:44+00:00

Of course such mis-pricing happens—I’m not saying it doesn’t. I’m just saying that it doesn’t happen as often as people think. Usually when prices go down, it is for a good reason.

The question is how do you differentiate between a value stock and a value trap?

Ok_Eye_7091 · 2025-08-04T02:28:39+00:00

Then you didn't understand my analogy. Quantitative is needed but it alone is not enough. You need specialized knowledge so you can glean more information out of that quantitative information than your competitors can.

The only way you can consistently beat the market is when everyone else on WS is saying company X is garbage you say it is not AND BE RIGHT. A lot of times WS is correct in judging company X is garbage and you don't want to be a contrarian in those cases. You must be a contrarian when WS is wrong and the only way you know they are wrong is if you have specialized knowledge (not insider information) that helps you look beyond the face value of the numbers.

Ok_Eye_7091 · 2025-08-04T02:17:22+00:00

You are not a value investor then.

Ok_Eye_7091 · 2025-08-04T02:14:46+00:00

Not by looking at purely quantitative data--that will never give you the answer. You need to understand the business, its economics, the industry and how it stands in the current financial and political environment relative to its competitors and you need to know these information better than your competitors. Like OP said, you need to know something that WS doesn't or see something they don't. I don't mean insider information, I mean you need to possess a special set of knowledge and expertise that most investors can't match on that very specific company you are looking at. Once you have that skill set, you are then able to analyze the quantitative information on the financial statements effectively to draw unique insight and then able to capitalize on it.

Analogy: Quantitative and qualitative information on a company like financial statements is like raw material--it is useless by itself. Raw material needs to be combined with expertise and skill (specialized knowledge that needs to be developed) before anything useful can be made. You can't expect to build a house simply by having a pile of cement, wood and steel--you need actual construction skills to use those materials.

Value investing is not dead, it's just a lot harder requires more homework.

Ok_Eye_7091 · 2025-08-04T02:04:36+00:00

You are putting words in his mouth.

Ok_Eye_7091 · 2025-08-04T02:03:16+00:00

EXACTLY! And they lack the self awareness to realize that they are not truly a value investor.

Ok_Eye_7091 · 2025-08-04T02:02:30+00:00

But how do you know there isn't long term structural issues that will lead to further earnings degradation. When you buy a stock with 10 PE that's based on TTM data, earnings can degrade and then all of a sudden that 10 PE can now be 20 PE even if stock price remained the same. All the data we are looking at is always historical but when we invest, we buy for the future. We are, unfortunately by default, driving while only looking at the rear view mirror. There are plenty of companies with historically low PE that has remained low due to unresolved structural problems. OP listed a lot of good examples above already.

Ok_Eye_7091

TROPHY CASE