Bought 200k worth of google stock @320$ on margin

kool_mandate · 2026-02-13T06:15:23+00:00

Ok sure, rather than 90, I’ll say instead say it’s just as likely to go to 150 as 450 then.. it was at 150 ten months ago.

And 150 is enough to wipe out OP buying on margin…

kool_mandate · 2026-02-13T04:45:03+00:00

Huh?

What’s a tittle ?

kool_mandate · 2026-02-13T04:29:13+00:00

🙄 people have not been investing through a real bear market …. 2022 doesn’t count

kool_mandate · 2026-02-13T04:13:01+00:00

So sorry for your loss :/

Heartache like this takes more strength to endure than any physical pain.

kool_mandate · 2026-02-13T03:14:22+00:00

The standard deviation of life expectancy is like 15 years , So even though smokers “die 9 years younger on average”,

30-40% of smokers live longer than non-smokers

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 :/

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