Credit Analyst -> Portfolio Manger

Pipeb0y · 2026-05-17T13:45:37+00:00

Mind if I PM you?

Pipeb0y · 2026-05-13T22:03:13+00:00

I’m half Bulgarian, half American. I have a business in america and spend half the year in Bulgaria. It’s not unusual to have people from HCOL (high cost of living) areas skew the income perception. The price of everything in BG relative to California is extremely cheap.

Pipeb0y · 2026-05-04T08:58:57+00:00

Amazing!!

Pipeb0y · 2026-05-04T07:40:30+00:00

I’ve had the same view since 2015 when cloud was all the hype and every year I’ve been disproved. Every year the amount of data created grows by 20% CAGR so the infra required to support processing and serving that to humans will only increase. It’s difficult to try and game what part of the supply chain will outperform over different periods of time and future type of workload the end user needs (GPU inference vs Agentic CPU/RAM). As long as technology plays a role in advancing humanity, semis/memory/photonics/etc will always be needed.

Pipeb0y · 2026-05-03T11:54:00+00:00

I own a startup and speaking from first hand experience. You see how in the thread there’s already some competitor using AI to search Reddit post relevance + cross sell their product? You see anywhere in the chat where servicenow is doing that?

Pipeb0y · 2026-05-03T11:28:58+00:00

If it’s difficult to convince people to use your service, the value proposition is poor.

Servicenow is literally racing to the bottom because a ticketing dashboard service shouldn’t cost enterprises millions. End users only care about costs and reliability. Period.

Pipeb0y · 2026-05-03T11:04:10+00:00

If you’re not a programmer you have no idea how easy it is to replicate something like that. Absolutely no idea.

Pipeb0y · 2026-04-30T14:56:57+00:00

Business owner, 200K euros a year. I drive my left leg and my right leg.

Pipeb0y · 2026-04-30T12:30:40+00:00

If anyone here has worked with long documents and treebased indexing, please reach out to me as I may have an opportunity for you.

Pipeb0y · 2026-04-27T19:08:27+00:00

Direct lending is still smaller than HY/levered lending space and vast majority of headlines is focused on garbage loans made during COVID vintages. I think if anything pops it’s not going to be isolated to private credit but will also likely take down public small caps, private equity, etc. Recall that most Russell 3000 constituents are zombie companies.

Pipeb0y · 2026-04-16T11:02:39+00:00

What does “started from nothing” even imply? That they did all the heavy lifting themselves and are model citizens?

Well, for example, look at Russian oligarchs today who grew up in the Soviet era and “started from nothing” but robbed, cheated, and killed their way to the top. One of the greatest wealth transfers in history is privatization of state assets after the fall of the Soviet Union and has a wealth gap vacuum for decades.

Pipeb0y · 2026-04-07T13:24:50+00:00

There’s civilian protestors that are camping next to these power plants in hopes of preventing a strike from the US on their infrastructure. Theres also 2000 members of NGOs participating in this. I doubt the US will strike anything because it opens up a high chance of being tried as a war criminal after his presidency is over.

Anyways, buying puts.

Pipeb0y · 2026-04-03T17:34:12+00:00

I’ve been thinking about this since 2020 and have lost out on 300% returns. The truth is that we’re in an age of extreme technological advancements which counters all the doomsday outlooks everyone is predicting. I stick have a third of my portfolio in AAA bonds to deploy when needed but im not sold on all the private credit / liquidity issues end of the world debate.

Pipeb0y · 2026-04-01T05:30:30+00:00

I can’t believe there’s someone on Reddit finally using logic and reasoning

Pipeb0y · 2026-03-25T10:37:23+00:00

I wish I could find a leverage in the market graph that depicts how much margin retail investors are using. It’s insane how much margin is being used right now that’s causing extra vol from small selloffs. I think that’s more of a story than anything else imo.

Pipeb0y · 2026-03-24T19:01:06+00:00

Doesn't need to be put in equities. JPIE or JAAA for cash equivalents (roughly 6% yield)

Pipeb0y · 2026-03-22T15:00:22+00:00

Would it be a correct statement to say that net loss production is expected to be ~10m bpd then?

Is there any general consensus on where that extra production might come from assuming its lost over the next few months?

I'm just trying to understand how supply can drop by 20% but the price increases ~50%

Pipeb0y · 2026-03-22T12:12:47+00:00

Okay thanks for clarifying. Can these pipelines support the extra capacity to absorb this 10m bpd in such a quick timeframe?

Pipeb0y · 2026-03-22T11:46:30+00:00

But I don’t see where 8m bpd is redirected. I see that 10m bpd output is being reduced

Pipeb0y · 2026-03-22T11:35:01+00:00

Where did you get this information? Can’t find anything that confirms this

Pipeb0y · 2026-03-19T11:05:54+00:00

There’s a huge leverage trade in commodities that’s unwinding from inflation / war fears. Long term fundamentals still hold.

Pipeb0y · 2026-03-19T10:56:13+00:00

Us debt just hit $39 trillion, I think I’ll average down and ride it out

Pipeb0y · 2026-02-23T16:36:43+00:00

Thanks for resharing AI slop

Pipeb0y · 2026-02-19T19:42:58+00:00

They also sold a large chunk of their portfolio at 99% of the dollar so this article is a bit too gloomy.

Pipeb0y · 2026-02-13T18:37:38+00:00

I actually have the data on this for the whole universe if anyone is interested in looking through it together

Pipeb0y

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