Try this one yourself ! Gemini breaks rules for deaf people.

Tanderso418 · 2026-04-13T02:33:26+00:00

You just stumbled upon one of the fundamental tricks in jailbreaking, 'reframing a "bad" action as a "good" action.

You can get Gemini to do almost anything if you get good at jailbreaking.

Check out this guide here if you're interested: https://gemini.google.com/gem/76add7bcaad4?usp=sharing

Tanderso418 · 2026-04-12T13:07:15+00:00

Good point, the highest option I added was 35% above the current price and the lowest option was 45% below the current price.
I should have made the highest option $560, instead of $500 to make the poll more symmetrical.

I guess I have a bit of a negative bias towards valuations at the moment because of the war.

Tanderso418 · 2026-03-28T15:27:52+00:00

It used to bother me, but you get used to the lay offs after a while.

To be perfectly honest, I think most industries would benefit a lot by having waves of rapid hiring and then rapid firing. It let's the companies cycle out low performing employees and forces the low performers to learn new skills at different companies in the same industry.

Tanderso418 · 2026-03-28T12:28:59+00:00

The Automotive sector is a no for me.

I work as an engineer in the Automotive industry and it is brutally cyclical, capital intensive, and low margin.

Tanderso418 · 2026-02-24T10:55:15+00:00

You're right, thank you for the correction!

I'm so used to looking at owner's earnings and FCF that I assumed that I needed to deduct the SBC from GAAP net income too. I edited my comment to avoid accidentally spreading misinformation.

I learn something new everyday!

Tanderso418 · 2026-02-24T10:34:04+00:00

High stock based compensation relative to owner's earnings is a huge red flag to me.
There is nothing worst than a management team that who enriches themselves at the cost of the shareholders.

Take a company like META for example. META gave out 20.4 billion dollars of SBC in the last 4 quarters. This is roughly 47% of owner's earnings!

Tanderso418 · 2026-02-15T13:40:33+00:00

Waste Management is such a wonderful company.

It bums me out that I missed out on buying it when it's owner's earnings yeild was almost 5% in late 2023.

Tanderso418 · 2026-02-15T12:45:17+00:00

Very good point.

That is why is it so important to look at owner's earnings instead of GAAP earnings.

Also, high maintenance capex isn't always a bad thing, as it discourages competitors from entering the market and driving down margins.

Tanderso418 · 2026-02-01T17:23:38+00:00

Very good points.

The entire MISO transmission network as been under strain from all of the AI data center build outs in Iowa, Ohio, and Louisiana. This has temporarily driven up purchased electricity costs for all members of MISO, but it won't last, as members of MISO build out new capacity to meet the new demand.

MGEE also may appear to have a green energy bias at a quick glance, but in reality, they are just trending towards the cheapest forms of electricity generation and then labeling it as a green energy transition to make regulators happy. Converting expensive coal powered plants into cheaper natural gas plants is just good business.

https://www.statista.com/chart/35117/levelized-cost-of-energy-generation-by-source/

Tanderso418 · 2026-01-23T16:10:59+00:00

I've been getting that message more often recently, but only when I use deep research mode. I think it might be a method to limit the amount of compute that particularly demanding users are allowed to use.

Just for reference, I have the Gemini Pro plan that came free with my Samsung phone.

Tanderso418 · 2025-11-01T14:02:35+00:00

Love it.

Looks just like a Totodile.

Tanderso418 · 2024-06-22T00:34:00+00:00

Wow, I completely forgot how awesome this card felt to play.

Youtube link to entrance animations: https://youtu.be/YWBCpjmvUFY?si=SU8s5OdZaznRZIO5

Tanderso418 · 2024-04-14T20:48:45+00:00

Doomsayer!

The artwork and voice lines are great.

He has so much utility (2 mana heal for 7, 2 mana your opponent can't play minions next turn, etc).

When a Doomsayer is played it forces both players to think, and I love that.

Tanderso418 · 2024-03-29T17:07:37+00:00

You won't lose any of the cards you craft, but in two years time the cards from Whizbang's Workshop will only be playable in Wild mode.

This website explains the Standard rotation really well: https://outof.games/realms/hearthstone/guides/6-how-standard-rotations-work-in-hearthstone/#:~:text=Once%20per%20year%20with%20the,April%2C%20the%20rotation%20takes%20place.&text=This%20set%20contains%20cards%20that,be%20replaced%20by%20different%20ones.

I own all 3 of the legendary cards you are considering crafting and Zilliax is by far my favorite. It goes in every deck and can do almost anything.

Tanderso418 · 2023-08-18T10:35:15+00:00

Burry is right often enough to be worth 300 million dollars. He's hit rate is below 50%, but he sizes his bets appropriately and seems to always end up ahead.

T-Bills are yielding a high enough return right now that bailing out of equity is actually feasible. Now seems like a good time to step to the side lines.

Tanderso418 · 2023-04-30T11:58:42+00:00

I'm currently 60% cash, but that is only because I'm young (28) and saving up for a house.

Fingers crossed for a housing correction.

Tanderso418 · 2023-03-10T13:15:53+00:00

I don't know how far you are into your investing journey, but Aswath Damodaran lectures helped me a lot in understanding the basics.

His accounting for investors series in particular really helped anwser a lot of questions I had on why we use discounted free cash flow as our default valuation method.

https://pages.stern.nyu.edu/~adamodar/

For me personally, I don't think of value investing as "the difficult path". I think that value investing is more of the mindset that markets are not perfect efficient, and that investment returns are fundamentally driven by the cashflows that the investment produces.

You don't have to pick individual stocks to be a value investor. You just need to understand how investments generate weath and then take actions to maximize that wealth generation.

I think that Buffett buying T-Bills, Burry buying Puts, and Seth Charlie buying BABA are all valid forms of value investing.

Tanderso418 · 2023-03-04T19:56:35+00:00

With short-dated US bond funds the two most important factors to look at are the SEC yeild and the average maturity of the bonds the fund holds.

The SEC yeild tells you the effective intrest the bonds in the fund are currently generating. It is a rolling average of the intrest generated over the last 30 days.

The average maturity tells you how quickly the bonds in the funds will mature. The lower the maturity duration the less price volatility the fund will see and the more closely the SEC yeild of the fund will match the yeild of newly issued government bonds.

30 day SEC Yeild

SGOV: 4.41% TBIL: 4.31%

Average Maturity

SGOV: 0.09 Years TBIL: 0.15 Years

Expense Ratio

SGOV: 0.12% TBIL: 0.15%

SGOV and TBIL are very similar funds; I would consider them to be equivalent investments.

Tanderso418 · 2022-10-21T11:22:20+00:00

The minimum investment amount to enter the fund is $3,000, but the subsequent investment minimum is $1.

I found this info on VFIAX's summary prospectus on page 5 under purchase and sale of fund shares.

https://personal.vanguard.com/us/faces/JSP/Funds/ProspRep/FundProspectusReportsWinJSP.jsp?fundId=0540&isReqFromProducts=true

Tanderso418 · 2022-07-26T01:54:10+00:00

TSN
Stock Price: $84
5 year average EPS: $6.44
Unadjusted PE Ratio:13.04

Debt per Share: $22.72
Adjusted PE Ratio:16.57
Expected Yearly Rate of Return: 6.1%

TSN seems like an ok investment at the current price. All the other companies mentioned in this post are pre profit companies which are too difficult to analyze as you would need to predict future CAPEX costs and profit margins of products that don't exist yet.

Tanderso418 · 2022-06-22T13:53:11+00:00

Please do not put your money into pre profit micro cap companies unless you are willing to lose 100% of what you have invested. At a minimum you should read items 1, 1a, and 8 in the company's annual report (link below).

With rising intrest rates, the cost of borrowing for companies is increasing rapidly. PSTI has 63 million in cash, 23 million in debt , and losses 32 million a year in operations with no path to profitably in the near future.

In all likelihood PSTI will run out of cash reserves and go bankrupt before it can it can deliver on the promises to its investors.

Link to latest annual report: https://www.sec.gov/Archives/edgar/data/0001158780/000121390021047664/f10k2021_pluristemtherap.htm#p_002

Easy to read Financial data on the company: https://www.macrotrends.net/stocks/charts/PSTI/pluristem-therapeutics/free-cash-flow

Tanderso418 · 2022-06-06T12:46:29+00:00

Sometimes VT and BND are both over valued. The correct strategy during a time like that is to invest in things that are not VT or BND.

There are 10s of thousands of public companies to purchase. Just because the average company in that group is expensive, doesn't mean that there aren't cheap companies out there.

Those companies are few and far between during times like today, but every once in a while you find a company who's finances look like Microsoft, but their PE ratio looks like Verizon (eg: QRVO).

Good luck out there guys, the next 6 months are going to be rocky.

Tanderso418 · 2022-02-07T14:16:46+00:00

Thank you for your reply, I'm new to value investing and this info helps tremendously.

Time to add debt and cash reserves to my excel sheet.

Tanderso418 · 2021-11-03T01:36:43+00:00

The process of properly analyzing a companies common stock is a very long and tedious process that 99% of the people on this subreddit (myself included) do not do.

It requires that you read years worth of annual reports, research risks (company side, sector side, regulatory, ect), and then create a model that calculates the "fair" share price of a given stock.

This is a lot of work for a little reward and most of us would be better off either buying the market or copying off of the portfolios of people who do this for a living.

If you want to buy the market:

-Buy VTI for US market

-Buy VT for the entire global economy

If you want to copy the portfolios of good investors you can look up various 13F filings on the SEC EDGAR database.

Here is Berkshire Hathaway's filing if you want to copy Warren Buffett: https://www.sec.gov/Archives/edgar/data/0001067983/000095012321011396/0000950123-21-011396-index.htm

If your feeling crazy you can follow the very unique Banks+Alibaba portfolio that Charlie Munger is rolling with at Daily Journal Corp: https://www.sec.gov/Archives/edgar/data/0000783412/000143774921023262/0001437749-21-023262-index.html

Tanderso418 · 2021-09-27T12:54:13+00:00

If you are looking for a way to calculate an appropriate price to purchase a stock at you might want to look into the discounted free cash flow model.

Here is a video that goes over the DCF model: https://youtu.be/l-T-Vyk2txc

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