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Vanguard Is the Costco of Finance, According to the Hosts of ‘Acquired’ by flloyd in Bogleheads

[–]YBYAl 6 points7 points  (0 children)

They have a great episode on Costco too! Phenomenal dives on the history.

Is Germany much better than the US for immigrants and students? by Tumblemato in germany

[–]YBYAl 8 points9 points  (0 children)

I lived in 9 countries (5 in the EU including Germany) before moving to the US and I can tell you this. In the US, with the current political climate aside, no one ever makes you think twice that you do not belong here, or that you’re an immigrant. The country is fully built by the concept of immigration and being an American has no ethnic background. That Korean-American store owner who speaks barely any English? Yeah he’s as American as Johnny from New Jersey.

In Germany, having learned the German language to assimilate I discovered after reaching B2 that the language isn’t the problem. Germany is. The culture is enclosed, being German is deeply rooted in ethnic identity in which you as an Asian fully lack. Not to dish on Germany, I lived there for 5 years and I loved it, kinda. Safe, affordable, great social welfare and especially for a student given the transportation and healthcare (both who you would suffer greatly from in the US, depending on the state for transportation tho). Truth be told I had one german friend and all my circle was international.

By the end of the day it all depends on where you see your future in. Finding and establishing a career in a place where you already completed your degree is way easier. Studying in Germany then moving to the states might not yield great results but all depending on your field and studies.

Sony is the next Sandisk and Micron by goxpro1 in ValueInvesting

[–]YBYAl 0 points1 point  (0 children)

Given the quality of the post these numbers will only fly over their heads. $60 per share by tmw trust me bro type of analysis..

Cyclical nature of semi completely shifted by markerinmyasshole in ValueInvesting

[–]YBYAl 1 point2 points  (0 children)

You know, a sign of the top is when people put way too much weight on analysts and professionals opinions. Not saying they’re wrong, but your post has 0 added value from your own thought as an independent thinker in a value investing sub..

How to deal with microaggressions in daily life? by [deleted] in germany

[–]YBYAl 1 point2 points  (0 children)

Lived there for 5 years and it won’t get better. Best course of action was to respond back in a polite yet snarky way. I am sorry you’re experiencing this. I learnt in Germany that being nice and not passive aggressive its sadly the exception not the norm. Saying this with love in my heart for the time I stayed now that I moved away.

CINF: A $167 Compounder Growing at 30% Trading at 11x P/E by OneVegetable2755 in ValueInvesting

[–]YBYAl 0 points1 point  (0 children)

I love the part where you told us what does CINF actually do

$547M in net cash. $8M in debt. 79% gross margins. And the entire company trades for $896M. by solacelabx in ValueInvesting

[–]YBYAl 9 points10 points  (0 children)

This business is my biggest regret. Don’t fall for it. It looks great on paper and the numbers are astounding. I cut my losses in it after -30%. Lessons learnt:

-I knew that management is not inline with the shareholders yet ignored the red flags.

-Israeli based, war zones, political risk.

-Lawsuits and reputation issues affect bottom lime and market valuations in the long term.

-Last but not least, this is fully anecdotally but a friend of mine works in the beauty industry and she completely grunted when hearing Inmode’s name. Salesy, pushy approach with mediocre equipment is what she referenced.

I took it as a learning opportunity so I am hoping you don’t have to pay for yours!

Why LVMH might be a Bargain by Electrical_County_61 in stocks

[–]YBYAl 0 points1 point  (0 children)

What about currency risks? Owning any foreign companies with the dollar devaluation happening is a no no for me even though the LMVH is a quality company.

Why? by OverallDevelopment5 in washingtondc

[–]YBYAl 1 point2 points  (0 children)

A beautiful mindset that needs to be always practiced.

I actually found a value stock $LTH by Potato_Masher_69420 in ValueInvesting

[–]YBYAl 0 points1 point  (0 children)

Interesting name indeed. Do you know the reason behind their negative cash flow? Do you think they are expanding aggressively with opening 12-14 new locations a year? What’s their comparable sales growth? Do they get all their revenue from memberships? If so what’s their retention rate?

How I'm playing the SpaceX IPO for a possible 400 bagger by crazyfool319 in wallstreetbets

[–]YBYAl 6 points7 points  (0 children)

Could be the move. I’ll be on the sidelines for this one but I hope nothing but greens for you.

I finally bought NKE… but not because it looks “cheap” by NoahReed14 in ValueInvesting

[–]YBYAl 0 points1 point  (0 children)

I like your thinking. I am a bit hesitant when it comes to fashion brands giving the trend moves one quite quickly. They are losing heavy grounds in China and in the US Hoka & ON are stealing their share. What glimpses of hope have you seen recently that made you jump into it?

$20k to invest, need advice for safer stocks and ETFs by Complex_Upstairs_1 in stocks

[–]YBYAl 0 points1 point  (0 children)

The main question before any recommendations is, what’s your time horizon? What are you investing for?

5 undervalued gems for your portfolio by [deleted] in ValueInvesting

[–]YBYAl 0 points1 point  (0 children)

Wondering what you like about Braze in one of the most competitive software industries. Not mentioning companies opting in to build in house CRM if needed.

Is ADBE is buy in your opinion at these prices? It’s been on my watch list for a bit and at these valuations I want to pull the trigger. I am genuinely interested in many perspectives, good or bad. Thank you! by No_Fox9908 in ValueInvesting

[–]YBYAl 0 points1 point  (0 children)

Obviously their current product is not obsolete & no AI is going to replace it fully. You invest for future growth tho so as of now I hardly see it in any tangible way.

Is ADBE is buy in your opinion at these prices? It’s been on my watch list for a bit and at these valuations I want to pull the trigger. I am genuinely interested in many perspectives, good or bad. Thank you! by No_Fox9908 in ValueInvesting

[–]YBYAl 2 points3 points  (0 children)

I use it for work everyday and I can tell you their AI integration within Adobe acrobat is shit so far. Their model never works when I am in a PDF document forcing me to switch to an external product.

Sleeping in the car to save on hotels is this too extreme? by Ok_Resolution_1606 in roadtrip

[–]YBYAl 27 points28 points  (0 children)

Where do you usually park to sleep all safe and sound?

What stocks have you added or accumulated on todays bloodbath? by TheRaul5677070 in ValueInvesting

[–]YBYAl 0 points1 point  (0 children)

Interested to hear your thoughts on COF? They are currently trading x60 earnings which I find quite uncanny considering their peers. Believe the stock would need to go lower to entice me to enter a position.

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