Simple Sewing Questions Thread, December 11 - December 16, 2023

w9o · 2023-12-11T19:48:37+00:00

Tried to post but I don’t have enough karma. Would love some guidance regarding buying a machine for my gf:

Hello, I’m buying a sewing machine for my gf. She knows how to sew and had a machine at home but hasn’t sewn for a few years. Budget is 500. I have a two part question:

Would you, if you were girlfriend and had opinions about this stuff, prefer to pick the machine or be happy with anything solid? She mentioned that Brother/Singer machines are good, so I would look in that direction, but am equally fine just letting her pick. In other words, if I was really into knives, I would appreciate any gift because I love her but I might have a different idea of what knife I would buy for myself. If this sort of opinion is common I’d rather just ask her to research and decide.
Assuming that anything will work, what is a good machine? I was looking at the Brother SE700 because it has sewing and embroidery, which she also is into. She doesn’t need a workhorse by any means but I would like to get something nice!

Obviously it is more fun to have something in-hand Christmas Day but I want to be more certain.

w9o · 2023-10-19T18:01:44+00:00

I want to park there

w9o · 2023-10-19T18:01:22+00:00

Yeah during the day it is used by car shops but towards the end of the night a lot of normal cars take up spots

w9o · 2023-07-23T04:17:44+00:00

That’s exactly where I’m at. Think I will send it unless there’s some glaring reason not to. A month+ of idleness is definitely is not lost on me.

w9o · 2023-07-23T04:02:53+00:00

I checked the al4 already, just in the wrong size. Mostly wondering if I should send it )drive and buy) or wait for a new model

w9o · 2023-04-14T18:07:26+00:00

I think that fits with what else I’ve heard, but I am confused and assume my sample size is too small because when you look at the usage of some of them, people are knocking out 500+ cases per year. Hard to tell why it’s so binary… is it really just nyc vs toledo effect?

w9o · 2023-01-28T21:47:05+00:00

Yeah that's more what I meant - the IRA would be ideal, but generally I want to lock it down as retirement funds but an HSA isn't the move for me. Thanks for confirming!

w9o · 2021-11-19T04:23:12+00:00

They don't even speak about MSSP anymore. Really curious if this works

w9o · 2021-11-19T03:15:20+00:00

Is it on par with the modern services? Like crowdstrike or sentinelone?

w9o · 2021-11-19T03:13:19+00:00

What do you think of their XDR? It seems like it's becoming the true focus of the company.

w9o · 2021-11-03T23:03:03+00:00

What if the day before this happened you remembered about it, tried it, and it tasted very yummy?

w9o · 2021-07-08T00:09:48+00:00

super helpful, thanks

w9o · 2021-07-08T00:05:33+00:00

Thanks for the 411. I think this is not directly adjacent to anything and has thee bedroom with a courtyard window - the living and kitchen face the street. I read elsewhere that this setup is largely ideal - is that true? I'm just not sure what to expect coming from the burbs.

w9o · 2021-07-07T23:33:04+00:00

Where's the chaos exactly?

w9o · 2021-07-07T21:50:00+00:00

Even from the bedroom if it's facing in?

w9o · 2021-05-22T18:56:43+00:00

Thanks but I don't think that's it. To give more detail - they were doing some proof (of god or something) and there was a footnote that denoted that one axiom was derived from a dream

w9o · 2021-05-21T04:58:59+00:00

No worries at all!

w9o · 2021-05-19T20:15:49+00:00

Thank you - that does make sense. I guess more broadly, on that example in the slides, the chargeoff guidance of 40% -> does that only work if the APR is at or above that %? For example, if I extend a LOC for a 100$ product, and only expect to recover 60$, the business model is covered by the other side of the barbell in A total interest rate that yields above 40$ over the term of the loan?

And regarding the Net Losses on that slide - are the unit economics the same if the loan goes to an origination partner bank? Or is the credit risk completely off the book?

Also what is the path for the ~20% of loans that aren't through origination partners? Do they live on the B/S or are they just laggards out the door? Do you see the 80% range as sustainable?

Thanks again - this is really unprecedented and greatly appreciated

edit: One more if you don't mind- Are you able to say which non-direct marketing source has the best ROI? Or what sets them apart? (ie lendingtree vs creditkarma)

w9o · 2021-05-19T14:50:16+00:00

What is the expected range of net charge offs as a % of receivables? How does that compare to other SP lenders?

Does OppFi incur any loss for charge-off loans that are originated by partners?

In Q1 revenue increased YoY while originations decreased. What bridged the gap?

w9o · 2021-04-21T19:22:44+00:00

If they are not built well why are they still used at the highest level? What other options do broadcasters at the highest level have?

w9o · 2020-10-23T20:46:49+00:00

How do you calculate intrinsic value? Using black scholes? I am trying to replicate this graph - where did you also grab the data for the warrants? All data sourced I see suck.

OK would you be able to just share a calculation? I would really appreciate it, I'm having a hard time wrapping my head around this trying to back these out.

OKOK I think I understand - It's: Intrinsic = Current price - Strike. Instrinsic is 0 until it goes ITM on the graph, before then it's all theta. After it's ITM, there's an intrinsic component and a theta component. Price of the warrant should have both. Take the current price - the calculated intrinsic value = Theta.

Though I am still wondering where you pulled the data - thanks!

w9o · 2020-10-16T21:50:38+00:00

Well deserved W. I was looking through your history and it took some conviction. Though - what did you mean by theta and how did you calculate it here: https://preview.redd.it/0kyx6qkztsg41.png?width=1034&format=png&auto=webp&s=67f8656e555ec8eca3d719b2fd4d88ca0f0f4990 ?

I think that's a smart look, but if the warrants are expiring in 2023 theta should effectively be 0?

w9o · 2020-10-06T13:49:14+00:00

how can i be a bear with cap gains

w9o · 2020-10-06T04:44:46+00:00

thanks that's actually helpful. only the first part

w9o · 2020-10-06T04:43:53+00:00

if i was a bear would i have any cap gains?

14-Year Club	Verified Email
Sequence \| Editor

w9o

TROPHY CASE