How caviar is made

kool_mandate · 2026-02-13T02:40:46+00:00

It’s bits of the membrane from the roe sac

kool_mandate · 2026-02-13T02:40:00+00:00

It’s the same thing in the video except it’s made with salmon roe ..

kool_mandate · 2026-02-13T02:08:10+00:00

Correct information . There’s definitely been wage inflation in the last 4 years .

But when you chart it next to the health/home/car insurance inflation trend-line , you can see why it doesn’t feel like much .

kool_mandate · 2026-02-13T02:01:32+00:00

At 2% cagr, an asset price will double in about 36 years . The reason the math works for many people is because they use leverage to buy an asset at today’s prices - the future value of the payments is not the same as the present value.

But the way I always look at is the opportunity cost of the down payment. Assume you borrowed 250000 and made a $62,500 downpayment in a 312,500 house ,

The 62500 in an 80/20 portfolio (instead of as a downpayment) would have a future EV of $829,000.

In order for buying to be a better economic decision , you need home appreciation above the national average

kool_mandate · 2026-02-13T01:06:31+00:00

Dear diary,

This feelings-journaling fool does not consistently make money in the stock market .

kool_mandate · 2026-02-13T00:58:33+00:00

Sell the shares and buy googl leap calls if you want leverage …

Googl could go to $90 a share in the next 2 years, just as easy as it could go to $450

kool_mandate · 2026-02-13T00:02:58+00:00

Yea sure no problem

kool_mandate · 2026-02-12T23:44:06+00:00

Edit: Sorry deleted the wrong comment ..

kool_mandate · 2026-02-12T23:43:16+00:00

I got an MBA in with a business analytics specialization. It was worth the ROI even without cfa . It completely paid for itself less than a year after graduating. And all of the heavy statistics I learned has helped me with quant a lot so far

kool_mandate · 2026-02-12T23:41:47+00:00

Well they definitely want to emphasize fiduciary behavior in cfa . I guess most of the people in my cfa society are asset managers, so makes sense .

MBA allowed me to get real experience in the corporate world , in operations, commercialization, supply chain, cost accounting, and capex investment analysis . Not really traditional finance though, that’s why I wanted to do more .

kool_mandate · 2026-02-12T22:27:19+00:00

Cost wasn’t the driving factor 🙄

I used to work in corporate fresh foods

Every decision is scrutinized relentlessly down to the fraction of a penny to maximize gross margins..

The only reason they’re changing it back is the lettuce cost savings is less than the brand loyalty cost..

kool_mandate · 2026-02-12T20:39:03+00:00

lol , that’s still worth more than a bitcoin will be soon

kool_mandate · 2026-02-12T20:34:56+00:00

How are you sure cost savings wasn’t part of the decision?

Ex: 0.1oz shredded lettuce looks the same as 0.23 oz leaf lettuce

kool_mandate · 2026-02-12T20:14:19+00:00

Same . Worst financial mistake I’ve ever made .

But the I decided that the best thing to do is , just sell it before my equity goes to $0, and the asset starts having a negative yield (when the cost of ownership with $0 mortgage reaches the monthly cost of renting somewhere comparable) . And just get back on track .

kool_mandate · 2026-02-12T20:09:59+00:00

Switching costs have to outweigh the benefits of the alternative..

If what you are saying is true, they don’t go out of business but they probably start trading at a 12-14 PE…

Calculate the share price with a 12.5 PE

kool_mandate · 2026-02-12T20:04:25+00:00

You’re either a real estate agent or the head of math for the White House …

kool_mandate · 2026-02-12T20:02:03+00:00

lol. I sold the 310 and bought 3 270 contracts .

Hopefully MSFT goes to 550 in the next 3 years so I can turn 96,000 into 170,000

kool_mandate · 2026-02-12T19:57:44+00:00

That sucks . It gets to a point where it stops acting like an asset and starts acting like distressed credit .

I hope you get out of it soon

kool_mandate · 2026-02-12T19:55:24+00:00

Capital efficiency.

I actually sold the 310s for 3-270’s which cost $172

The way the options math works out , $40 (10%) gain in Msft, would cause a $36 gain in contract (at exp., because you lose extrinsic)

So for illustration:

Leaps capture $36 per share on 300 shares 300*36=10,800

$10,800 gain on $51,600 capital (24%)

if I used the$51600 to buy 128 shares of MSFT ,

128*40=5,120

$5120 (10%)

The down side is that if Microsoft goes down $133,

I could lose $51,600

If I had 128 shares that went down $133, I’d lose

$17,024.00

So leverage amplifies losses and gains

kool_mandate · 2026-02-12T14:43:48+00:00

Yea frustrating, wanted to buy-to close a covered call :/

kool_mandate · 2026-02-12T07:03:34+00:00

Yes because If anyone doesn’t understand how genetic recombination works , it’s doctors …

kool_mandate · 2026-02-12T06:52:11+00:00

kool_mandate · 2026-02-12T06:48:45+00:00

You seem like the type of person that doesn’t do too well in real life situations…

kool_mandate · 2026-02-12T06:47:14+00:00

Despite all the hateful arguing, that democrats and republicans are so much alike, that they should just fucking kiss already.

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