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Talking stocks, trading, and investing in general - Page 640

post #9586 of 11190
sounded a lot like Trump to me, I mean literally, I feel like they actually sound and intonate the same way
Edited by Master-Classter - 5/4/16 at 8:05pm
post #9587 of 11190
Trump and Ichan are good friends.
post #9588 of 11190
Quote:
Originally Posted by chogall View Post




LC is a credit play all about default rate.  Unregulated loan sharking company masquerade as "FinTech".

China p2p lending is far worse still (or far greater profiteering opportunity), LC co-founder is running a shop in Shanghai again. There are probably hundreds of them all doing the same shit; financing speculative real estate investments.  Instead of taking second ARM mortgage to finance down payments, now they go onto p2p lending sites!!

Good idea in principle, peer to peer lending. Cut out banks, be your own lender, bla bla bla. I tried it about 7 years ago with Prosper. While I did make a return of about 4%, I would have done much better had the site not become an easy cash cow for those about to file for bankruptcy. It was a joke... fund part of a loan and 3 mos later see that inevitable "B" next to the status.

I did a spread of 50% AAA types and then scaled down into the real bogeys at E.

The company failed in it's due diligence responsibilities, it turns out only credit checked 1 agency, lots more. There was a class action actually, I ended up collecting like $50 ha ha, gotta love lawyers. Anyway, properly implemented this would work. Actually PayPal has started its own working capital thingy, bypasses banks completely. It's a rocky start but this kind of stuff is viable.
post #9589 of 11190
Quote:
Originally Posted by idfnl View Post

Good idea in principle, peer to peer lending. Cut out banks, be your own lender, bla bla bla. I tried it about 7 years ago with Prosper. While I did make a return of about 4%, I would have done much better had the site not become an easy cash cow for those about to file for bankruptcy. It was a joke... fund part of a loan and 3 mos later see that inevitable "B" next to the status.

I did a spread of 50% AAA types and then scaled down into the real bogeys at E.

The company failed in it's due diligence responsibilities, it turns out only credit checked 1 agency, lots more. There was a class action actually, I ended up collecting like $50 ha ha, gotta love lawyers. Anyway, properly implemented this would work. Actually PayPal has started its own working capital thingy, bypasses banks completely. It's a rocky start but this kind of stuff is viable.

US P2P lending didn't cut out banks. They originate loans but the underwriting is done by issuing banks before the loans are repackaged into ABS and dumped on investors.

The idea of providing more credit is great. But in reality they have all incentives to push out new issues like iBank credit deals and thus creating credit bubbles at times.

Thankfully those P2P issues ain't rated by the big 3 so sovereignties and large institutilns can't own them. The p2p lending bubble is quite small. And highly illiquid.

p.s., Prosper just cut 28% of its workforce this week.
Edited by chogall - 5/4/16 at 7:39pm
post #9590 of 11190
I had a fairly big buy day today... Added a good chunk of GILD at 85.5, MU at 10, and a few UAL at 45.5 and FSLR at 52. Fairly heavy these days into a few guys like MU, TWTR, NFLX, GILD, AAPL, etc. Hopefully I'm not way off in all of these guesses but I'm feeling fairly comfortable buying companies like GILD at these prices, and AAPL at 93 etc. I'm hopeful of at least 10-20% returns by the time I'm done with them.

In my slow steady (REIT) account, trimmed off some CLDT at 22.
post #9591 of 11190

I like Twitter and use it way more than Facebook as it has much greater information value.  But its inability to gain users during an election cycle is very concerning especially with #Trump2016 and #FeeltheBern phenomenon.
 

post #9592 of 11190
Quote:
Originally Posted by chogall View Post
 

I like Twitter and use it way more than Facebook as it has much greater information value.  But its inability to gain users during an election cycle is very concerning especially with #Trump2016 and #FeeltheBern phenomenon.
 


How are they ever going to monetize their users?  I still struggle to see how FB does it long term outside of continuing to buy tangential products/companies, but I do see some path.  With twitter I just don't see anything possible.

post #9593 of 11190
People jumping on ATVI today ?

Fool you once shame on me. Fool you twice shame on you...
post #9594 of 11190
Quote:
Originally Posted by brokencycle View Post
 


How are they ever going to monetize their users?  I still struggle to see how FB does it long term outside of continuing to buy tangential products/companies, but I do see some path.  With twitter I just don't see anything possible.

 

My guesstimate, using indexed ad impression counts on both Facebook/Instagram, is more than 50% of Facebook's revenues are from mobile gaming companies.  Same shit 5 years ago where most of their sales are coming from Facebook gaming co like Zynga/Farmville.

 

Facebook is a mobile gaming play, just like Baidu is a Chinese spending on healthcare/drug/health related products play.  And you know people love to play mobile games and Chinese love taking health supplements.

 

Twitter's ad impression is more diverse but then the conversion rate is lower due to more noise/bot accounts. They need to solve user engagement and acquisition problems before they can monetize better.  Incidentally, Twitter is doing worse after they go full retard social justice banning potentially ISIS related accounts.

post #9595 of 11190
Quote:
Originally Posted by OmniscientCause View Post

People jumping on ATVI today ?

Fool you once shame on me. Fool you twice shame on you...

 

I love Blizzard and I think Overwatch Onlywatch is going to be a hit.

 

Still though, with its flat revenue/EPS growth ATVI is a hard sell. :s

post #9596 of 11190
Quote:
Originally Posted by chogall View Post
 

 

My guesstimate, using indexed ad impression counts on both Facebook/Instagram, is more than 50% of Facebook's revenues are from mobile gaming companies.  Same shit 5 years ago where most of their sales are coming from Facebook gaming co like Zynga/Farmville.

 

Facebook is a mobile gaming play, just like Baidu is a Chinese spending on healthcare/drug/health related products play.  And you know people love to play mobile games and Chinese love taking health supplements.

 

Twitter's ad impression is more diverse but then the conversion rate is lower due to more noise/bot accounts. They need to solve user engagement and acquisition problems before they can monetize better.  Incidentally, Twitter is doing worse after they go full retard social justice banning potentially ISIS related accounts.

 

I'm going to guess those that get duped by ISIS accounts are some of the most likely to click on ads.

post #9597 of 11190
Can't wait for that overwatch beta this weekend!
post #9598 of 11190
Quote:
Originally Posted by otc View Post

Can't wait for that overwatch beta this weekend!

 

Great game.  Been playing since close beta last November.

 

Last FPS I've played over 5hr/week was Descent in 1995.  LOL.

 

btw, open beta already started.  Queue time is really good compare to close beta.

post #9599 of 11190
I got onto Heroes of the storm alpha and overwatch beta, love them both.

Open beta started yesterday I think
post #9600 of 11190
Oops, looks like it started last night for non-preorders.

Hopefully I can give it a try tonight, otherwise I'll check it out this weekend.
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