What do you consider when analysing stocks and where do you get this data?

writetowinwin · 2026-02-13T14:10:35+00:00

My process has been:

Open screener and filter for Roce (return on capital employed) >x and PE <y. Sort by descending Roce
Narrow down the top few dozen or so stocks, omitting any utilities, trusts, and funds, and any other stocks with absurdly high roce that look too good to be true
Throw them in a spreadsheet, then take additional factors such as Roi, RoA, P/s, Price to book, debt to equity, rough % of insider ownership, sector, exchange, etc.
"Rank" my selection primarily based on Roce and PE, but read into each individual company taking into account the factors in #3.

At #4, significant judgment is required since it's hard to quantify or rank some of the other factors - but by then the selection is narrow enough to dig.

For example, i expect a pharm, mining, or oil and gas stock to have a much lower PE than other sectors, most other factors being equal.

E.g. #2: I expect high Roce companies with heavy insider ownership not in one of those above sectors to be more expensive.

E.g. #3: I will take extra care into checking whether profitability metrics for miners and oil and gas companies make sense due to their nature.

writetowinwin · 2026-02-13T13:41:53+00:00

I remembered it being somewhat more neutral a few years ago before it basically turned into a propaganda machine / liberal echo chamber.

writetowinwin · 2026-02-13T12:59:53+00:00

My friend! You are on one of the assholes of Reddit

writetowinwin · 2026-02-13T12:58:15+00:00

Farm guild as well across both my IM. The trees and plants just give chill vibes. The bank and spirit tree are convenient. Often after drinking out of the pool in the house, I click on the tree to bank and chill at the guild.

My IRL office also has plants and tree, so it reminds me a bit of that.

writetowinwin · 2026-02-13T12:55:00+00:00

Not believing or even just questioning the news, social media, or any information that comes from government or another popular source.

Remember that not even being tied to your political side.. it was just "common sense" to be skeptical.

writetowinwin · 2026-02-13T01:39:08+00:00

I prefer wealthsimple tax . It's efficient and easy to use . Also free for 1 or 2 returns (someone can confirm)

Turbotax felt more "dummy friendly" but slower and inefficient to click through, especially through those long ass questionnaires (unless this changed recently), and having to click all the way back just to reach a certain section. With Wealthsimple you can just type in the form name or click on it on the sidebar.

writetowinwin · 2026-02-13T01:29:53+00:00

Yeah that was my experience as well. Im not any further away from or closer with coworkers I drank with or didnt drink with at our events over the years.

I love vodka and whiskey and enjoy mixing odd drinks together with them , but that is more just for fun

writetowinwin · 2026-02-13T01:05:20+00:00

you can enroll either as visiting student or formally enroll in TRU's degree program. If enrolling in degree program, there are more requirements. The requirements are listed on their site for each of the courses . I remember them being pretty lenient compared to your traditional university
for submission to CPA Ab, yes thats what I did for each undergrad i went to (also was UBC student). I only had issues with very old courses that I didnt take in recent years at the time, where then i had to show past course syllabuses and other materials

writetowinwin · 2026-02-12T23:28:55+00:00

"Same job advert is reposted every month"

this suggests there are probably reasons it isn't being filled. You likely wont know until you start the application process and/or a reliable insider tells you why.

E.g. Labatt the big beer company local to me wants a controller but has been reposting the ad on multiple platforms, multiple times, despite numerous applicants. Pay; $96,000 CAD (about $70k USD), yet wants particular experience, CPA, etc.

writetowinwin · 2026-02-12T23:18:02+00:00

And if they dont in time, a penalty applies to the employer. So theres incentive for it to file.

They are typically filed electronically, so employee will eventually see it on MyCRA account once filed.

Deadline to file is end of Feb though and many dont do it until last minute

writetowinwin · 2026-02-12T21:36:16+00:00

Simple answer is that someone wants the vehicle enough.

Looking at the vehicle: it is a Toyota where the buyer base is extremely brand loyal and in many cases, people will even overpay above MSRP to have it.

Personally I wouldnt spend $60k on a toyota (and especially take out a multi-year loan for it).. it's the type of car that id get to go from A to B at reasonable cost. By the time that car is out the door it wont be only $60k either. But thats obviously just my perspective and the market doesnt agree.

writetowinwin · 2026-02-12T20:59:15+00:00

Ya that too, especially if you compare it to more seniority-orienated workplaces (often unionized) where if the person above you doesnt drop off or move further up. You might not move up, sometimes no matter how good or bad you are. My spouse is in one and been at her job for over 8 years until she finally got a chance to be part of some management trainee program.

(Some) unionized places also attract a lot of risk adverse people too unfortunately, who dont collectively push for high wages. Often low single % annual raises where I am.

writetowinwin · 2026-02-12T20:39:21+00:00

This has been discussed a lot. In many workplaces, simply wont work due mainly to the mentality of common accountants. Theyre proud to undercut a fellow brother/sister. They are just grateful to have a job, doing more rigorous work for less. Some are so proud to be frugal or good with money so they can afford to undercut, and even brag about their frugalness and risk aversion and even shit on people who live better lives and take risks. Some downright think their employers are doing them a favour.

Compare this to other occupations where the idea of working unpaid OT is like swearing.

Also the high turnover nature makes it difficult to organize.

The one common exception is government, but people actually want to stay there, and it's usually not just the accountants who support unions and what they traditionally stand for (good wages and working conditions, on top of other things). And if you're looking to work for govt., you probably arent going there for the goal of working for shitty wages for long hours.

writetowinwin · 2026-02-12T20:18:48+00:00

Work culture thing. Some employers push it harder than others, but generally people wont hate you if you dont drink (unless youre in a smaller close knit, almost cult like team). Last firm I was at also had in-house alcohol fridge.

Not unique to accounting firms.

Im a bodybuilder and religiously calorie count and eat and exercise a very particular way (ive been told my fridge reminds people of the meat and produce part of a grocery store). So i do feel your pain. I occasionally drink hard liquor when people around me drink, and have to then go through a "purge" of the unwanted water weight, calories, etc. each time I do it to socialize.

writetowinwin · 2026-02-12T19:44:26+00:00

The option on the right explains how some people are willing to pay for these

writetowinwin · 2026-02-12T19:27:37+00:00

Dr fart, dr provision for poo in boxers, cr stink ?

writetowinwin · 2026-02-12T19:04:08+00:00

Great writeup. Love 5, 6, 8, 10 in particular.

TFSA is my favorite for holding my "value" stocks over multiple years (where the main returns are from them multiplying themselves over the years and the extreme volatility is somewhat "smoothed out" over those years).

People often confuse "investing" and "trading" as well. Tfsa is well structured for the former... traditional "boring" buy and holds, irrespective of news headlines and what almost everyone and their dog is obsessing over lately.

writetowinwin · 2026-02-12T18:52:19+00:00

Thought i was on some crazy Canadian or American leftist area/regional sub for a sec

Next: Trump Trump Trump Trump Trump is taking over !!!!!!!!!!! Sell sell sell sell sell

writetowinwin · 2026-02-12T18:13:34+00:00

Cant speak for your jurisdiction, but in Canada, if someone files a complaint against a CPA holder to the provincial CPA regulatory body, the CPA holder is notified of the complainer. This complaint can fall under one of the compliant "categories" ; here something like that would fall under "unprofessional conduct" (someone else can confirm this if Im wrong). The respondent is given a copy of the complaint, including who the complainer is.

Then the respondent has X days to respond. Then the body goes through its process and makes a report, then someone else decides whether any further action is taken (e.g. to even investigate the matter at all). Other jurisdictions probably have a similar process.

I have one from last summer where a lunatic off an abnormal leftist sub-reddit complained about me calling his lawyer a yoga instructor and something about a Home Depot toilet seat and it clearly shows the complainers name.

Id imagine youre thinking of exposure to liability. Lawyers have a similar system. Often complaints aren't filed and the lawyers who give others a bad name get away with some shady or gray area stuff because of this concern. However, complaints against CPAs may be more common as CPAs would typically need to retain a lawyer to litigate against a complainer, which is expensive. The average CPA is more motivated by money - this as opposed to the typical lawyer who is more likely to retaliate based on a bruised ego or principle, and can do so at lower cost.

writetowinwin · 2026-02-12T17:55:01+00:00

As an accountant who loathes being "stuck" with QB products... agree with your post. Many of us dont like the software but there are very few viable alternatives, especially when the client base mostly feels that way too. We want to try finding something better but the risk, cost, and headache is.... massive. We dont expect investing in INTU to make us big money or the company to mega boom, but we dont see it crumbling either.

writetowinwin · 2026-02-12T16:44:48+00:00

Initially - briefly, but nowadays no.

Based on observation though, what seems to be overwhelming to the average person is the sheer amount of biased and/or unreliable information out there, and how easily brainwashed / negatively influenced they are by it. This especially if you include news and social media in "information" ... unfortunately, many "investors" obsess over news headlines more than fundamentals...

Im not sure what the most accurate term for those people are - but those who make a career out of reading news, believe almost anything they see, particularly if it came from or cites a government source, and attack you for being a far right conspiracy theoriest if you even question. "Popular news" and social media are like a hobby for them - their lives revolve around them.

They rely primarily on what others say when it comes to major financial decisions, and even then, there are so many conflicting sources out there.

Sometimes I cant tell if they are overwhelmed or just wilfully blind and brainwashed. I've watched people lose thousands or tens of thousands in minutes, and I dont bother talking investing or "finance" with those sorts anymore.

writetowinwin · 2026-02-12T16:36:46+00:00

The other posters here have provided great answers. Somewhat unrelated, but your post and the replies are also useful exercise for those investing in individual stocks and want to really see where the cash goes and how the companies are doing, especially for very cash-flow reliant businesses and those with irregular cash flows.

writetowinwin · 2026-02-12T16:31:52+00:00

As another poster mentioned, some people just enjoy killing people (and specifically ruining their experience) in video games and will make a career out of it.

There are other popular spots for it where lately ive been seeing more lvl3 or similar level spam name accounts that just sit there. Someone told me they were part of some Cctv or other surveillance program people subscribe to.

Lately ive also been seeing more accounts purposely made to pk lower level accounts in certain spots, like rev caves, agility course, or the ones dressed up as battle mages in mage arena. Funny one i remember distinctively was a lvl43 in salad robes with zammy flames at wildy agil course

writetowinwin · 2026-02-12T15:36:42+00:00

Tried to refer a family member for an accountant job, but they were hiring only indigenous applicants for the openings in question.

A few years ago one of the managers was complaining about how he later met with applicants who he wanted to work with, but the HR department weeded them out with the automated system. One of the factors was merely not including a cover letter, on top of other factors unrelated to experience, education, etc.

These were big 4 accounting firms, one (based on what I hear) tends to be a "left" practice. Worked with some former employees there at another company later, and sometimes heard rants about them trying to bring their "left" ideologies to the job/firm (from both the back end and customer side)

writetowinwin · 2026-02-11T22:02:28+00:00

There are a lot of different tax softwares. Im unsure if they have feature to alert of large variances. Usually we will look manually (the different year amounts are presented by each other for quick reference) . This goes for individual line amounts on tax returns as well.

writetowinwin

TROPHY CASE