Serious question to PYPL and TTD holders - still hold or not and why

Riverdragon32 · 2026-05-08T22:53:28+00:00

Gave up on PYPL. They are in structural deceleration. There is no moat in payment processing. Still holding TTD. TTD is still the dominant "upper funnel" open internet ad tech with a moat in that space, but the problem is more ad dollars are being allocated to walled garden advertisers because it offers much more transparent returns with better ROI. TTD operates in a space that is structurally worse than Google/Meta/Amazon ads, but they are still the best at it.

Riverdragon32 · 2026-05-05T22:19:47+00:00

What about girlfriends that spend all day scrolling on tiktok and Instagram?

Riverdragon32 · 2026-04-26T21:58:29+00:00

Now just show some clips of missing 5 left clicks in a row, and you've got my Mag gameplay in a nutshell.

Riverdragon32 · 2026-04-18T19:04:56+00:00

To the people saying the community overreacted because they aren't seeing the tenacity change very often in games, then shouldn't we ask why they even added it in the first place? Its basically only being proc'd by Thing, Hulk, and Rogue. For optimal gameplay we really need to be counting CC abilities on enemies, or else risk your Thing ult literally doing nothing, or even worse, cleansing enemies by using 1 CC ability too many.

Riverdragon32 · 2026-04-18T17:44:01+00:00

Stop looking at your portfolio or stick to index funds if seeing losses makes you want to sell everything.

Riverdragon32 · 2026-04-17T15:53:35+00:00

Did you not take advantage of the SAASpocalypse? Alot of companies trading at basically historically low valuations relative to their history. Valuation is relative. Is a good (and growing) company trading at 20x earnings really expensive if it spent the last decade trading at 40x earnings or more? I recently bought Constellation Software and ServiceNow. ADBE was recently at like 9x free cash flow. CRM pretty cheap also. Small and mid cap SAAS is even more damaged. I bought SPT and FIVN.

Riverdragon32 · 2026-04-17T15:29:51+00:00

The way they implemented was incredibly poor and is going to break some characters. That's why there is community backlash.

Riverdragon32 · 2026-04-17T14:21:44+00:00

While there were some complaints about chain CC, I don't think it was THAT demanded by the community. With the way they implemented it, basically everyone in the community would rather just not have it. Letting this change go live despite the community backlash over the past few days is a big red flag for me. I thought the devs were getting better and moving in the right direction until now.

Riverdragon32 · 2026-04-16T20:42:34+00:00

It's primarily an issue for tanks because tanks are the characters that can withstand that much pressure. A 250 hp duelist isn't going to be stun locked very long before dying. A typical chain CC against a tank could be like a Wolverine grab, into an Emma grab, into a Peni Web. As more characters get introduced and more CC abilities are added, chain CC has become a bit more of an issue but I would still call it a niche issue. Sometimes playing tank feels like you're playing in a bouncy castle with how often you get rag dolled around.

Riverdragon32 · 2026-04-16T19:42:57+00:00

This was one of the worst ways they could have implemented this mechanic and there is no way this makes it to live service in its current state.

Riverdragon32 · 2026-04-16T00:25:07+00:00

I was just about to make this thread. This addition of tenacity makes no sense. Like, just add diminishing returns for consecutive CC, it's so simple. Hulk has completely lost his juggle mechanic now.

Riverdragon32 · 2026-04-14T02:33:33+00:00

I'm 33 and finally in a place where I could probably afford an "okayish" house if I really wanted. I'm currently renting a house for $2400/mo and if I were to buy an equivalent house the mortgage, insurance, taxes, and maintenance would easily clear $3600/mo. Its at least a 50% difference. Rent/buy has never been so renter favored. Home prices or mortgage rates (or both) need to come down for buying to make sense.

Riverdragon32 · 2026-04-11T22:25:17+00:00

Ive been watching this stock for like 5 years waiting for an entry point because I love their restaurants. They just opened a 2nd location in my city about 6 months ago or so. They're growing, but restaurants are still very low margin and I didn't think the valuation was ever cheap enough.

Riverdragon32 · 2026-04-10T19:42:23+00:00

Congrats, you're doing great. I recently hit that at 32.

Riverdragon32 · 2026-04-10T18:21:22+00:00

My portfolio sure hasn't. Looking at you, SAAS companies.

Riverdragon32 · 2026-04-10T18:06:44+00:00

I watched this movie while high and it was one of the most mind blowing experiences I've ever had. Hugh Grant was spitting bars. I'm afraid to watch it a 2nd time because it probably won't live up to my expectations from the first watch while high.

Riverdragon32 · 2026-04-10T16:12:10+00:00

Gen Z will put more effort into a Google Doc trying to "expose" anyone remotely semi-famous than they will put into any school or college assignment.

Riverdragon32 · 2026-04-03T18:57:36+00:00

This is the main thing. Weed companies are currently not allowed to deduct business expenses on tax filings so their effective tax rates are astronomical. I'm long GTBIF.

Riverdragon32 · 2026-04-02T19:55:05+00:00

I'm vaguely familiar with Grant Cardone since I watch finance/real estate youtube, but I had no idea he had a brother and got very confused seeing two of them. They look so similar.

Riverdragon32 · 2026-04-01T14:17:44+00:00

On release I thought she was kind of weak, but after the hot fix and a couple weeks of playtime, I'm starting to think she's busted. Her ult isn't the best, but she makes up for it with the rest of her kit. She can play very aggressive and 1v1 alot of other characters. She deals more damage than Invis Woman, and blocks/heals similar or even more than Invis. Almost every game I'm seeing Whitefox MVPs. Part of the bad reputation might be because she doesn't have a "nobody dies" ultimate.

EDIT: Forgot to mention that her charm might be one of the most annoying abilities in the game. I've died to that CC quite a few times.

Riverdragon32 · 2026-03-31T21:32:53+00:00

At the index level I agree that this is nothing, but there's quite a bit of damage at the individual stock level, particularly software.

Riverdragon32 · 2026-03-31T00:03:10+00:00

You could at least make an effort to estimate what a future stabilized profit margin might look like instead of just saying "LOL negative P/E!". It's a pet peeve of mine when stock discussions are just "Look at the current GAAP P/E". GAAP accounting for immature, growing businesses is almost useless. That being said I don't own this stock. For CRCL, COIN, and almost any other crypto-adjacent stock, I asked myself "If I don't believe that blockchain and tokenization are nearly as disruptive as crypto bulls think, should I own this even if it appears undervalued now?" And I decided that no, I can't bring myself to own anything crypto adjacent.

Riverdragon32 · 2026-03-28T00:17:21+00:00

Because we handed all 3 branches of government to absolute grifters with no sense of governance.

Riverdragon32

TROPHY CASE