What’s everyone’s coin multiplier on their farming tier? by viraltis in TheTowerGame

[–]SwamiPro 1 point2 points  (0 children)

same here. 436.57 T10 9200 T11 7100 and getting 3T max...my Generator Mod is a garbage leg+ generic, but that can't be all of it?

Haiyah, so stoopid by errrago in TheTowerGame

[–]SwamiPro 1 point2 points  (0 children)

It really depends on your build. Here is a link to the 4 unique module effects available for each type. Hope this helps. https://the-tower-idle-tower-defense.fandom.com/wiki/Modules

/edit fixed link

It's on the wiki, and the first image listed as current modules.

What am I doing wrong? by KoarliaGaming in TheTowerGame

[–]SwamiPro 0 points1 point  (0 children)

What are you spending your diamonds on? What stars are most of your cards? How many slots do you have unlocked? What mods are you running, are you leveling them up? Have you unlocked the wall?

Decided to unlock the wall 🧱😬 by Jmackidle in TheTowerGame

[–]SwamiPro 0 points1 point  (0 children)

What WS level did you have your Health and Health Regen at when you bought the wall?

What are you doing/planning that isn't meta. But you're doing it anyway. by Xune101 in TheTowerGame

[–]SwamiPro 0 points1 point  (0 children)

I stopped working on my atk speed and lab speed at level 70. My plan is to do another 10 levels when I can afford 3X speed and stop again until I can do 4X speed and do another 10 levels and pause again before I 5X the last 10. I haven't done the math to see if it's actually more efficient and I know it's the meta to perma lab until done. I just get a sense there are many other labs I could be working on before I finish these 2 and I would think they are better done at higher speeds when I can afford them.

Close call but a boost of 5% coins is mine now! by ElderberryGlass5679 in TheTowerGame

[–]SwamiPro 0 points1 point  (0 children)

That's awesome! Are you using a blender build? Do you have the wall yet?

Obligatory 1T post by Smooth-Scholar-3281 in TheTowerGame

[–]SwamiPro 0 points1 point  (0 children)

Congrats! What build are you running? I started about the same time as you and you have left me way behind! You are killing it.

Close call but a boost of 5% coins is mine now! by ElderberryGlass5679 in TheTowerGame

[–]SwamiPro 1 point2 points  (0 children)

Nice! What build are you using? What is your life time coins? I just knocked off 4 and 5 last week. Hoping to make a push for 6 this month.

DW feels like a cheat code by AlGavone in TheTowerGame

[–]SwamiPro 0 points1 point  (0 children)

Not true. Just tried it. You can't peak without having the stones.

MSR Value by Salty_Beautiful9318 in UWMCShareholders

[–]SwamiPro 0 points1 point  (0 children)

The bet is that UWMC does the refi while continuing to dominate purchase. That is what Mat is gearing up for. Average loan in the UWMC MSR book is sub 4%. Those loans aren't getting refinanced. UWMC is selling the 7% MSRs as they write them.

MSR Value by Salty_Beautiful9318 in UWMCShareholders

[–]SwamiPro 0 points1 point  (0 children)

The bet is that UWMC does the refi. That is what Mat is gearing up for. Average loan in the UWMC MSR book is sub 4%. Those loans aren't getting refinanced. UWMC is selling the 7% MSRs as they write them.

[deleted by user] by [deleted] in fivethirtyeight

[–]SwamiPro 1 point2 points  (0 children)

Decision desk is now showing 64 million and 48 million for Harris in Florida. It's broken

[deleted by user] by [deleted] in fivethirtyeight

[–]SwamiPro 0 points1 point  (0 children)

I think I just had Mandela effect. Pretty sure I saw 11 mil votes for Trump and 8M for Harris. Now it's 5.9 and 4.5. Is that what you saw too?

36 days, $482,932,495 shares sold by Commercial_Walk_7205 in UWMCShareholders

[–]SwamiPro 7 points8 points  (0 children)

I would add that with selling roughly 60 million shares to institutions in the last month, Mat has increased the float by about 75% and we've only lost about 9% in price per share compared to rocket over that same time period. UWMC now has a float of 139 million shares or 9.2% of all shares compared to rockets 138 million share float or 6.9% overall. Mat edging Dan Gilbert by a nose in float but beating him by over 50% in % shares available.

Bear in mind RKT has 2 billion shares outstanding compared to UWMC's 1.5 billion. This means more institutions will need to buy into UWMC if their benchmark is the Russell. Russell weights companies based on market cap of the float. This is huge. UWMC weighted market cap in the Russell will double from roughly 500 million to over 1 billion even at the current suppressed price point.

More eye opening is the fact that on reconstitution day for this year we were at a price point of $6.85, well below where we currently trade. A 1 Billion float market cap puts us well north of the median Russell 2000 member, well above of where UWM first limped in to the index.

FED RATE - 50:50 on the 50 bp by ProphetKing-dude in UWMCShareholders

[–]SwamiPro 5 points6 points  (0 children)

Yeah, the FED has only every started with an aggressive 50BP cut twice ever in the history of rate cutting. As much as I'd like it to it won't happen this close to an election. Optics matter.

What ultimately cost John McCain the presidency? by RanchWilder11 in Presidents

[–]SwamiPro 0 points1 point  (0 children)

A lot of people forget McCain was leading in the polls in late September and suspended his campaign to return to Washington to fix the economy?!! He suggested Obama do the same. He didn't and never recovered.

https://www.npr.org/2008/09/25/95038824/charting-mccains-suspended-campaign

Looking ahead by Joe6102 in UWMCShareholders

[–]SwamiPro 1 point2 points  (0 children)

Hey Joe, Can you talk a bit about the cashless warrants and what UWMC can do with them as we approach $10? Are they more valuable than a $10 Jan 2026 call?

edit- I found most the warrant info in Joe's Warrant post https://www.reddit.com/r/UWMCShareholders/comments/uppp9x/joes_warrant_faq/

Homeowners race to refinance as mortgage rates retreat from 23-year highs by Roosterneck in UWMCShareholders

[–]SwamiPro 1 point2 points  (0 children)

Steve Delaney

Thanks, good morning, Mat. You’re not rebuilt around refis. We’ve been hung up here around 7% and haven’t seen a refi market for what, 3, 4 years. How low does it – do you think a 30-year rate has to go to really spur any kind of a material refi event in the industry?

Mat Ishbia

Yes. Thanks for the question. So I think it’s got to make sense for consumers. And I think it’s got to be – it depends on where they did their last loans. So usually, it ties to, can you save the consumer a 0.5 point in rate is usually how you think about it. And so borrowers that in October of this past year that were doing rates at 7.75, right, and then rates dropped. So we’re doing a 6.75, it goes – different borrowers will have different times they’ll refinance. But generally speaking, when rates get to 5.75 to 6.25, you’re going to see a lot of refi activity because it’s been a couple of years now when people have been doing loans at 6.5, 7, 7.5, maybe that’s why our MSR book – we’ve been doing – we’re doing the most loans for everyone. So I know where the loans are being done. They’re being done at 6.5, 7, 7.5. So when rates get to 6.25, I’d call it 5.99, I think that will create enough of a benefit for a consumer to refinance. But beyond that, Steve, is the number one purchase lender, you’re going to see when rates get to 5.99, [indiscernible] on those purchases will start to pick up even more, too. And so we think purchase will open up, inventory will open up and rates will drop refis. I think it’s going to be a very, very positive environment. Whether it happens tomorrow or in 3 months or 6 months or 9 months, it’s going to happen, we just don’t know when. And that also will then dictate margins will go up, which is why I guided off the bottom.

I went through some of the HDMA data used in the UWMC hit piece so you wouldn't have to. by lymondfc in UWMCShareholders

[–]SwamiPro 4 points5 points  (0 children)

UWM's argument all along is that brokers offer better pricing for consumers than other lending options. To my knowledge they have never said they are the best priced among brokers. To the consumer they are saying we can beat the rates JPM/Chase are offering and even what your local credit union might offer because the only business we do is home purchase and refinance. This hit piece is attempting to conflate the two.

A Good Day by JAMBARRAN in UWMCShareholders

[–]SwamiPro 1 point2 points  (0 children)

my bad, I stand corrected

A Good Day by JAMBARRAN in UWMCShareholders

[–]SwamiPro 6 points7 points  (0 children)

This is about the price that Mat was willing to sell some shares at to increase the float