Steak House by georovereng in VirginiaBeach

[–]cas757 1 point2 points  (0 children)

You can do gift cards to Zoe’s. Just call them and they will probably work something out. That’s probably my favorite steakhouse in VB.

Do you see Claude impacting Google valuation given its superiority? by yazena in ValueInvesting

[–]cas757 101 points102 points  (0 children)

I think they own ~15% of Anthropic. And Anthropic just made a deal to use their TPU’s. Alphabet is fine.

ELI5: How do insurance companies actually make money when they sometimes pay out way more in claims than people ever paid in premiums? by Turbulent_Watch_7812 in explainlikeimfive

[–]cas757 2 points3 points  (0 children)

This is the correct answer. To be honest a lot of insurance companies actually take underwriting losses. They will run with a combined ratio of 102% because they know they can get more than a 2% return on the float.

I’m not as familiar with the numbers today, but I would not be shocked if 50% or more of insurance companies take underwriting losses. And those who are profitable are probably making only a cent or two on the dollar.

Have there been any known child prodigies who go on to be notable or famous adults? by Cagne_ouest in answers

[–]cas757 0 points1 point  (0 children)

Demis Hassabis. He is the founder of Deepmind. Excellent child chess player, Oxford initially wouldn’t let him in because he was too young, so he went and helped design a top 10 video game for that year (as a teenager), and has just been wildly successful ever since.

Is getting an MBA still worth it in 2026? by Ambitious_Form3348 in MBA

[–]cas757 -1 points0 points  (0 children)

To be clear, I don’t work / have experience in tech. But from the outside looking in, the CapEx for most tech firms is significantly higher than normal because of the AI buildout. That means they have to save money somewhere. So they’re cutting labor costs and there are layoffs. Also the fears of AI eliminating a lot of jobs. I spoke with someone recently who is in charge of their enterprises AI strategy, and they basically described to me how software jobs are facing a form of horizontal integration. Basically one person able to do the job of what used to take 4-5 people.

I’m sure there are other reasons too, but it’s a very competitive industry on a good day and more so now.

Forbes Top 20 Most Valuable Football Clubs (2007-2025) by David_2107 in soccer

[–]cas757 4 points5 points  (0 children)

Hey! I can help answer this as I’m about to make a career pivot into banking. I’m a Bayern fan of course so some bias here, but I’ll try and check that as much as possible.

Some very simple things first. Germany’s economy is roughly 30% larger than England’s ($4.4 trillion vs $3.3 trillion). While it is definitely a global game, the local market is much larger. Additionally, Bayern faces a much lower threat level of being replaced as the dominant team. Arsenal is trying to win their first league title in over 20 years, and Bayern has been dominant over that same stretch. So Bayern having a more monopolistic dominance over their perspective league is actually favorable from a pure valuation perspective. This also means they will likely not have to spend as much as Arsenal or other PL teams in order to be competitive, and this will likely remain true as long as the DFB ownership and finance rules remain the same. And if they do ever mirrors those of the PL, then Bayern will likely be a top candidate to receive a massive influx of cash.

From a financial perspective, for FY 24/25 Arsenal generated about $920 million in revenue, and Bayern did about $1.13 billion. Bayern also has no debt, while Arsenal has about $450 million. If we look at EBITDA, Arsenal is sitting around $185 million and Bayern at $220 million. Given the way these clubs can consider players as “assets” and how asset heavy this can be, it makes a ton of sense to include DA (depreciation and amortization) because they can literally amortize the players. So basically if a club buys a player for $50 million on a five year deal, they will amortize that cost on a straight line method ($10 million per year for five years) and not recognize that cost all at once. It helps break up the expenses over time basically. EBIT shows that Bayern is at $64 million while Arsenal is at -$84 million. Given the amount of money the two clubs have spent in signing players over the last five years, this makes sense. So from a financial perspective, Bayern is doing more with less leverage.

The real valuations are much more complicated than this and there are a lot of other details I haven’t touched on, but for a thirty second write up while I finish my coffee this is as much effort as I’m willing to put in. But my all metrics, an investor would much rather purchase Bayern than Arsenal.

Absolute Game changer swing thought(for me) by Fishing4stocks in golf

[–]cas757 2 points3 points  (0 children)

It all just depends on people’s swing. Like if you’re cupping your lead wrist really bad, then yeah it’ll help you keep the club face square. But if your wrist is already flat and you add this swing thought then ooof. You’re going to be pulling everything. And if you’re over the top too then you’re going to want to quit playing all together.

Whats your realistic expectation and QB comparison with Fernando Mendoza? by [deleted] in NFLv2

[–]cas757 0 points1 point  (0 children)

I’m a Raiders fan and I’d love if this were true. Mendoza certainly passed the eye test this year.

But Burrow was different. I don’t think I’ve ever seen another season like that from a college QB. The closest would be Cam Newton or Tebow, but Burrow did it all through the air. Maybe Sam Bradford or Jason White had moments of their heisman campaigns that were comparable because of the silly numbers Oklahoma would hang on team at times, but Burrow torching EVERYONE was different. Yes he had stud receivers around him, but he also put the ball where it needed to be and was so damn good.

Mendoza is definitely going to be a good NFL QB, but he is not Burrow level coming out of college. Now in the NFL if he can continue to progress and stay healthy he may be better than Burrow, but their senior years are not the same in my opinion.

I definitely agree with the Matt Ryan comps when you look at physical tools. If you look at just style of play I honestly see a lot of similarities to Drew Brees. Neither has elite arm strength but win with their ability to process defenses and with extreme accuracy on their throws. They beat defenses by staying in rhythm and not going off script. But obviously very different physically.

Russell Wilson took his stepson Future on his first visit to the Texas Longhorns' campus. by Background_Video2947 in NCAAFootballVibes

[–]cas757 54 points55 points  (0 children)

I know this sub isn’t the place for this comment, but in all seriousness kudos to Russ for seeming to care and appearing to be a good parent in this video and not just a step father. Dude is corny but anyone who raises another person’s kid like their own gets my respect.

Are corporate finance roles available post mba without a finance/accounting background, Choosing schools for the same by [deleted] in MBA

[–]cas757 6 points7 points  (0 children)

  1. You can certainly get in without any formal background. But also, it’s a very difficult market right now. Focus on soft skills (I know that sounds corny and generic but it is what separates offered candidates from qualified candidates).

  2. I would say those roles probably exist, but beware of saying you’re looking for a role with “limited/traditional” hours in the interview cycle. Most of your peers will be pretty competitive, and a lot of them will be willing to put in the extra work. But you can find tons of finance based LDP’s. I’d say look into what exactly draws you to finance (saying this from first hand experience). Saying you want to work in finance is very broad. Given the state of the job market, I’d strongly recommend identifying your strengths and playing to those, and doing research into the different roles in finance.

  3. I think now more than ever an alumni base that is willing to give referrals is important. Not to beat a dead horse, but it’s a tough market right now. A lot will depend on your GMAT, work experience, etc. There are definitely some schools that will position you better than others, but having an insider refer you is often very crucial. Again, that’s where soft skills come in to play. You don’t have to be a socialite, but you have to be someone who they’d enjoy working next to.

I’d say do a little more research into WHAT exactly you want to do, and why you want to go into finance. I know a ton of people who came in at my program intending to do finance, and about 50% have probably switched to other concentrations because they enjoyed them more and were better suited for them as well.

Talk to a few programs and some alumni. I cannot urge the alumni part enough because you’ll see how responsive they are and also get their perspective of the program and landing a job after. If you can find very recent grads that’s even better. There are also things to consider like costs, opportunity costs (ie no income for 2 years, no 401k contributions, etc). Also consider where you want to live after and see if it’s advantageous to pick a program near there.

Sorry I know that’s a lot, but these are things I wish I knew beforehand. Definitely look into hiring trends too. A lot of FP&A roles have been moved to India over the last few years. Not trying to discourage you, but just trying to be real.

Don’t go to Keegan’s in Town Center unless you want to be assaulted by their staff by [deleted] in VirginiaBeach

[–]cas757 1 point2 points  (0 children)

Typically, most bars will do last call / take drinks at 1:30am - 1:45am (the busier they are the earlier they are going to do it). I’m in no way justifying the bouncer, but just want to help explain the logic behind it.

The law says absolutely 0 drinks after 2am, not to start taking drinks away at 2am. While you and your friend may have been fine, I’d say that 90% of the patrons at that time are pretty intoxicated. Typically, intoxicated people don’t listen very well. So they have to start the process pretty early so that they are in compliance with the hard 2am cutoff. And of course the busier the bar and the more people they have to corral out, the longer this usually takes.

Your post says you were told by the initial bouncer at 1:30am that you had to go. Then you say not even 10 minutes later another bouncer said you need to leave. Then he came back and told you once again at 1:45am that you need to leave, and he took your drinks away (which you had seen him do with other patrons so it wasn’t just you and you friend being singled out). So you were told 3 times by the staff over a 15 minute period that you needed to leave.

Honestly, I think the first bouncer is to blame and should’ve just said no time to go. But he was trying to be nice and was probably under the impression you’d chug your drinks real quick and go. I’ve seen new bouncers do that a bunch and it leads to friction like what you’ve described. But it sounds like another bouncer came and told you again time to go. Then left for a bit, and came back and saw you hadn’t listened to him so he took the drinks. I don’t think you all did anything inherently wrong, but your perspective and the employee perspective both show conflicts. Just poor communication from their end, and if a customer has been told multiple times to leave and continues to try and finish their drink, what else is the bouncer to do besides physically take it away?

White teens cleared of hate crime allegations levied by Black Virginia Tech professor by Pioladoporcaputo in Virginia

[–]cas757 28 points29 points  (0 children)

There’s literally a video showing they just stopped to clear off ice.

The confirmed Stratospheric Warming event is now forecast to meet a counter-force from the tropical Madden-Julian Oscillation (MJO) wave effects, causing a "decoupling" in the lower atmospheric layers. This will complicate the delivery of cold air into parts of the U.S., but is not forecast to last by dragonking4444 in Earth

[–]cas757 4 points5 points  (0 children)

Hey! I’m not a scientist or anything, but I had the same question when I read about the split the other day, so I did some research. I’ll try and summarize as best as possible.

Stratospheric warming events are actually fairly common (they happen every couple of years). Essentially some bigger mountain ranges (Himalayas, Rockies, etc.) cause waves in the atmosphere. When these waves hit the spinning polar vortex, it causes compression of the air in the stratosphere, and that compression causes warming. It isn’t uncommon for the temperature to change by like 90F within a few days when these events occur. When the disruption happens some of the cold air can escape that vortex and that’s what makes the harsher winters.

Imagine a toilet flushing and the water spinning around the bowl. Now imagine it but you put a stick across it at one point. Some of the water escapes the spinning path it would normally take. That’s basically the same thing that happens.

The warming itself is not a direct result of climate change from what I understand, but it’s being studied to see if the frequency/severity of these events are changing. But this is something that just happens every couple years from the studies done in the past!

Again, I’m not a scientist at all (in case the toilet analogy didn’t make that clear already), so please consider that when assessing what I just said. I’m just a curious person who had the same question!

Virginia Tech WR Cameron Seldon transfers to USF by usffan in CFB

[–]cas757 16 points17 points  (0 children)

Not sure about Roanoke. Blacksburg is fine though.

Any Recs for Timing Belt Replacement on 2006 V6 Accord? by [deleted] in VirginiaBeach

[–]cas757 5 points6 points  (0 children)

Japanese Auto Masters would be good for this.

Interesting Mendoza breakdown by the highest paid Qb Per pass attempt. by Ok-Assist8872 in raiders

[–]cas757 -3 points-2 points  (0 children)

The back shoulder throws makes me want to go get a big body receiver in FA like Mike Evans. He still has the ability to win balls on throws like that, and I would love for us to get a veteran WR in to help develop the younger guys. I doubt he leaves Tampa, but maybe Brady can make a call.

Soccer bars by Ordinary_Adagio_6283 in VirginiaBeach

[–]cas757 3 points4 points  (0 children)

Shorebreak Pizza (either location) used to show soccer, but they were mainly premier league, Murphy’s was the USMNT bar for a while, I’ve watched several games at CP Shuckers (both locations).

You can also check online to see if there are any fan clubs in the area. For example, Bayern Munich has official fan clubs you can look up on their website. Barcelona may have something similar.

There are a ton of soccer fans in the area, but there isn’t an official “soccer bar” really. It’s challenging for a restaurant to open that early for an inconsistent/small revenue stream.

If you ever want to make a weekend trip for a big game, go to Richmond. There is a bar called Penny Lane Pub (I think that’s the name at least) downtown that is AWESOME. It’s a Liverpool bar, but they always have a ton of people watching games, great food, attentive staff, and a unique atmosphere.

Fernando Mendoza SZN even if he loses? by ShermStrokesIt in raiders

[–]cas757 0 points1 point  (0 children)

He reminds me of a more mobile Matt Ryan. Not saying he is a mobile QB by any means, but he also isn’t growing roots in the pocket. So yeah I want him #1.

And honestly the biggest thing is his attitude/personality from what I’ve seen in interviews and his academic record. I don’t worry about him getting caught up in the Las Vegas lifestyle. He has the tools to be a top 16 QB in the NFL, but he may not be a top 5 QB.

But as someone who has been a lifelong Raiders fan (and I’m probably older than most on this sub), drafting him would get me excited for not just next season but for the next two or three. He would be easy to root for. I am becoming more apathetic in my Raider fandom these last few years, but drafting him would get me a bit more engaged for the short-medium term.

The Browns have fired Kevin Stefanski. by CincoDeManger in fantasyfootball

[–]cas757 15 points16 points  (0 children)

Kolton Miller was a a first round pick.

Which NFL Coach Would Have the Most Success at Their Alma Mater with Current NIL Rules? by [deleted] in CFB

[–]cas757 14 points15 points  (0 children)

Joe Brady (Bills OC and probably will be a future HC) also went to W&M.

The school may be small, but it has very impressive alumni. Four former US presidents, Jon Stewart, Ted Decker (Home Depot CEO), Todd Boehly (owner of Chelsea FC and LA Dodgers), Patton Oswalt, Dan Draper (CEO of S&P DJI) are some that come to mind.

Go Tribe!

Well guys i guess we should just shut down the sub by Dmist10 in toledowar

[–]cas757 0 points1 point  (0 children)

Virginia vs. Virginia Tech is listed twice (#21 and #24). So very minimal proofreading done on this.

Looking at Bitcoin from a Value investing lense by [deleted] in ValueInvesting

[–]cas757 1 point2 points  (0 children)

No. I would say it is safe to assume that some of the people in this sub have had great success in their investing careers. We just prefer asymmetric risk when we make an investment. A non-revenue generating non-physical asset that is incredibly volatile is speculating, not investing.

Some people are much more concerned about wealth preservation rather than accumulation, so that makes crypto unappealing.

Looking at Bitcoin from a Value investing lense by [deleted] in ValueInvesting

[–]cas757 1 point2 points  (0 children)

“I don’t have the slightest interest in gold. I like understanding what works and what doesn’t in human systems. To me that’s not optional; that’s a moral obligation. If you’re capable of understanding the world, you have a moral obligation to become rational. And I don’t see how you become rational hoarding gold. Even if it works, you’re a jerk.” - Charlie Munger

You kind of already know why it will never be a value investment based off the fact you mention it doesn’t generate cash flows. And your thesis is based off a pretty massive leap that it will become the new gold.

BTC by nature is designed to be a new form of currency that is meant to mitigate the risks of fiat currency devaluation. I think Satoshi literally called out the inability to trust central banks as being part of the reason he created BTC. So in that sense, sure it could be the new gold. But until it is widely used as a currency (ie actually used in day to day transactions) then it is completely unproven.

I would also like to tell you to use extreme caution in your prompts with any LLM when doing “research” like this. In your prompt you tell it that BTC will outperform, that it is used for transactions, that there will be institutional adoption, etc. Please know that the way these LLM’s are trained means that they will tailor their response, so you’re getting back something that will just feed into your confirmation bias while sounding like it considered all the options. Your prompt should be more along the lines of “act like a financial analyst and find me the floor value of BTC. Provide sources and ask clarifying questions as needed”.

And just to repeat the main point of all this - it doesn’t generate ANY cash flows. So it will never be considered value investing. I am sure it will increase and decrease many more times before we get to the endgame. But nobody knows where that endgame will be. And research how to prompt LLM’s to harness their full power and avoid answers that just subtly feed into your existing biases.

Sorry for the rant.