AE

TipperGore-69

https://m.youtube.com/watch?v=_pDTiFkXgEE&t=59s&pp=2AE7kAIB You cannot lose

TipperGore-69

https://m.youtube.com/watch?v=_pDTiFkXgEE&t=59s&pp=2AE7kAIB You cannot lose

Delicious-Bee-9374

Yeah this is a great breakdown! Additionally, they removed the loading doses of 10X for day one, which they state should significantly reduce the AE's that arise so I am really interested to see results from that tweak. Changing from 6 weeks to 8 weeks may also help to ease into steady state concentrations of the drug and while we might not see immediate reductions in pain due to the lack of loading dose, but given the increased study time and new arm it should be good results

IndiRefEarthLeaveSol

Reminds of this in idiocracy. https://youtu.be/NNl7GQFTULU?si=4AE9kcdG7LpXa28I

RubiksPoint

I wouldn't look to other people to determine which stocks you should be buying. I'd recommend looking into broad-based index funds. [Here's](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit) a good place to start.

xiongchiamiov

The specific country matters. Start here: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit_for_non-US_investors Searching the bogleheads forum for your country may provide additional information.

xiongchiamiov

https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit

Luwstz

U rite, so there’s 13 of them - the latest bunch are all named batshit crazy names like X AE-A 12, Techno Mechanicus

OrdinaryReasonable63

[https://www.businesswire.com/news/home/20250220357704/en/Celsius-Holdings-to-Acquire-Alani-Nu%C2%AE-Creating-a-Leading-Better-For-You-Functional-Lifestyle-Platform](https://www.businesswire.com/news/home/20250220357704/en/Celsius-Holdings-to-Acquire-Alani-Nu%C2%AE-Creating-a-Leading-Better-For-You-Functional-Lifestyle-Platform) Looks like they also announced earnings (for both companies)

St4rgalaqtic

Reading material, its not bots: [https://archive.fast-edgar.com/20250218/AE2ZD22CZ225JTY2222S2ZO2DR5RZZ22MF72/](https://archive.fast-edgar.com/20250218/AE2ZD22CZ225JTY2222S2ZO2DR5RZZ22MF72/)

xiongchiamiov

https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy#Never_try_to_time_the_market A phrase you'll hear often is "time in the market beats timing the market", which means focusing on getting money in rather than waiting for an opportune time. Invest as soon as you have the money to do so.

xiongchiamiov

It includes QQQM, which has no investment theory behind it other than chasing returns, so no, it does not make sense. (Aside on QQQM: you're saying that you believe which exchange a company chooses to be listed on is a good predictor of its financial success. You tell me if that seems smart. ) Start here: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit If your portfolio varies from the https://www.bogleheads.org/wiki/Three-fund_portfolio concept (which is what the target date funds do as well), you'll need to be able to explain why.

xiongchiamiov

>I have an individual investing account with stocks like DAL, SBUX, LLY, etc. I want to invest more but recently some companies have been at an all-time high so I’ve been reluctant to buy certain stocks. I guess my question is what are some “safer” stocks to invest in with this account? Should I buy bigger company stocks like MSFT to grow my investments? Or should I look into index funds/ETFs that follow the market to sort of “set and forget” it? I’m not the type to take big risks and usually buy a handful of stocks of a certain company here and there. It sounds to me like you want the bogleheads approach: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy >I have a Roth IRA in Fidelity that I stopped contributing to since I switched to Schwab. I don’t plan on closing this account but invest in things like VOO, FXAIX, FDKVX. What are your favorite index funds and why? My preferences are for my own situation, but for most people https://www.bogleheads.org/wiki/Three-fund_portfolio is a good starting point. >I have about $15k sitting in a SPAXX account and I think I need to do something more with this money. I throw all my savings into this account since it’s an automatic 4% APY but I’m unsure if I should invest it elsewhere. Please let me know your thoughts, and I apologize if my terminology is incorrect. https://www.reddit.com/r/personalfinance/wiki/commontopics/ is a good resource here. Specifically, make sure you have an appropriately sized emergency fund. >I know I should stay away from Motley Fool and clickbaitey websites, but what are some good resources to base my buying decisions on? I feel so overwhelmed by all of the information out there so if someone can help me narrow it down that would be greatly appreciated! Bogleheads.org. Investopedia. The education sections of the big brokers. Also, these books: * <https://www.reddit.com/r/personalfinance/wiki/readinglist/> * <https://www.bogleheads.org/wiki/Book_recommendations_and_reviews> * <https://www.reddit.com/user/captmorgan50/comments/16acnsk/reading_list_recommendations/?share_id=UZEYyAT6Iyul_ve_nnMPN&utm_name=androidcss> * https://www.reddit.com/r/investing/wiki/readinglist/

hottakessometimes

par·o·dy/ˈperədē/*noun* 1. an imitation of the style of a particular writer, artist, or genre with [deliberate](https://www.google.com/search?safe=active&sca_esv=0fc7dd398656b67a&rlz=1C1GCEU_enUS1144US1144&q=deliberate&si=APYL9bsHRxpYwvvSTGj17LkMtmwDeNR3zPpFCpepqCvLcFmsCPbzMUGCJzuvu3fniGmY0OEEDdjrX05voupIe-h6nlOw9X0pzyDKn_XpPDBZlqv3kpYUfH0%3D&expnd=1&sa=X&ved=2ahUKEwio8a7ssL6LAxUunokEHUCnA3EQyecJegQIIhAP) [exaggeration](https://www.google.com/search?safe=active&sca_esv=0fc7dd398656b67a&rlz=1C1GCEU_enUS1144US1144&q=exaggeration&si=APYL9bt3AE6pJgWWTjOhQnnrwEtIBrvI4mmR3-wV4IbdqTS9NUA69CtcMOGSKki1_Gjx3ZCT7eLmitoOdWPrN0C7ECwGsuLu02Sqm685uH68gQO58hXUDm8%3D&expnd=1&sa=X&ved=2ahUKEwio8a7ssL6LAxUunokEHUCnA3EQyecJegQIIhAQ) for comic effect.

dvdmovie1

Because we're not that far off from patent expiration in some countries (I think China is 2026?) and their v2.0 of these drugs so far has not been entirely what people want to see (yes, weight loss but the Cagrisema announcement from December had a not very good discontinuation rate; AE/tolerability matters.) Maybe some tariff concerns, but that's to a lesser degree than the idea that they're not as diversified as Lilly and need their v2.0 and 3.0 of this drug class to be clean successes across the board, not just on the weight loss #.

SPAC_Time

[e2Companies, Creator of the Energy Industry’s First Virtual Utility®, To Go Public Through Business Combination with Nabors Energy Transition Corp. II](https://www.businesswire.com/news/home/20250212923682/en/e2Companies-Creator-of-the-Energy-Industry%E2%80%99s-First-Virtual-Utility%C2%AE-To-Go-Public-Through-Business-Combination-with-Nabors-Energy-Transition-Corp.-II) SlayZomb1 just dumped his NETDW last week. [https://www.reddit.com/r/SPACs/comments/1ik9p6t/comment/mbksdja/](https://www.reddit.com/r/SPACs/comments/1ik9p6t/comment/mbksdja/)

MysteryGirl05

I'm new to investing as well, here are some good info areas I use to learn. Overall, simple is better. Investing when done right is boring. Automate a certain amt to go to your investments and forget about them. Sites [https://www.bogleheads.org/wiki/Getting\_started](https://www.bogleheads.org/wiki/Getting_started) [https://jlcollinsnh.com/](https://jlcollinsnh.com/) [https://www.iwillteachyoutoberich.com/](https://www.iwillteachyoutoberich.com/) [https://choosefi.com/](https://choosefi.com/) Videos Youtube ramitsethi [https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE\_investment\_philosophy](https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy) Books The Simple Path To Wealth by JL Collins I Will Teach You To Be Rich by Ramit Sethi Just started The Psychology of Money by Morgan Housel but it comes highly recommended as well. Courses Check sites like Udemy for free courses on the topic, I know Khan Academy has a good financial literacy course. You can find a lot for free.

Highborn_Hellest

/watch?v=1pcmCQbj1AE&ab\_channel=CheezyGasdf

Kashmir79

[Market timing doesn’t work](https://www.bogleheads.org/wiki/Taylor_Larimore%27s_market_timing_quotes#Market_timing_quotes). Tune out the noise and stay the course. “Don’t just do something, stand there!”. These are the timeless investing lessons of successful index investing from Jack Bogle and the r/Bogleheads [philosophy](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy). Keep saving and investing as much as you can in globally-diversified stocks and it should be 10x in 30 years regardless of what happens in the next 4 years.

dvdmovie1

"On the other hand, I see their relatively low diversification as a potential risk, as they’re almost entirely focused on this business area. What are your thoughts on this?" IMO, the issue becomes impact of anything not working - any trial results that aren't great and you see a decline like you saw recently. Also, they don't always include AE - yes, something could meet goals in terms of weight loss, but am I going to find out later that this wasn't well tolerated? It's not the only game in town and if someone loses lets say 20% of their body weight but a drug that would get them say 16% loss but is way more tolerable, imo the latter is going to be more commercially successful. A drug where you can tolerably lose 16% is going to be better than a drug where you lose 20% but activties are curtailed by the extent of the side effects. People seem to want to argue that this isn't the case for some reason, but Pfizer didn't go forward with danuglipron formulation it had for a reason - when you have 50%+ discontinuation it doesn't matter how much weight someone lost when more than half couldn't tolerate (up to 73% nausea; up to 47% vomiting; up to 25% diarrhea) the process of getting there. "If political pressure or regulatory changes lead to price reductions, could this significantly impact their revenue and margins?" I think the eventuality is that there will be lower prices for this drug class in any case just kind of depends on how quickly. "Another concern is the expiration of some key patents in their weight-loss segment in the coming years. Do you think this could create long-term challenges for Novo Nordisk, or is their pipeline strong enough to offset such risks?" I think that's part of the urgency to create 2.0 and 3.0 versions of these drugs. In the US the patent doesn't expire until 2032, but in China you could start seeing generic versions as soon as next year.

Effective_Big_6867

$10k for POC funding was an AE level approval at FAANG when I worked with them. This is not a deal.

king_jaxy

This is all very sound advice, but young people are playing on a different field. We're making more money, but it doesn't go as far because everything is more expensive.  https://youtube.com/shorts/OzjKgKOi_AE?si=lMlxqgY06esUOHm4  Many of us are struggling to find work after college dispite putting in the hours in internships to be considered entry level.  Obvious blue chip stocks were cheaper. Coke was 30-50 per share before the year 2000, now it's 1,150.  I'm sure thing will get better in time, but it looks kind of bleak right now. 

NVDAismygod

Yes, I have TONS of shares from working there a couple years ago. Agentforce (their new AI product) is the real deal and will be a huge revenue stream for the company. They are hiring AE’s like crazy to be first to market with it and it’s supposed to make up over 70% of their revenue over the next few years.

Ready2gambleboomer

*Always!!! We gonna.....* *D*[*ie with zero bill perkins - Google Search*](https://www.google.com/search?q=die+with+zero+bill+perkins&sca_esv=c7c67eb20f0b5775&sxsrf=ADLYWIKx59N0HCZxaidTd6J6xEVQUjvZKA%3A1734702873635&source=hp&ei=GXdlZ56qH6SQwbkP7JXbgAw&iflsig=AL9hbdgAAAAAZ2WFKQaSacraP1JalLi6z0Q_x4uEv2wr&gs_ssp=eJzj4tVP1zc0zKgsrEyOzzA1YPSSSslMVSjPLMlQqEotyldIyszJUShILcrOzCsGADPRDss&oq=die+with+zero+bill&gs_lp=Egdnd3Mtd2l6IhJkaWUgd2l0aCB6ZXJvIGJpbGwqAggAMgUQLhiABDIFEAAYgAQyBRAAGIAEMgUQABiABDIFEAAYgAQyBhAAGBYYHjIGEAAYFhgeMgYQABgWGB4yBhAAGBYYHjIGEAAYFhgeSKpfUABYr0NwAngAkAEAmAHbAaABwhOqAQY0LjE1LjG4AQHIAQD4AQGYAhagAooVwgIKECMYgAQYJxiKBcICBBAjGCfCAg4QLhiABBixAxjRAxjHAcICDhAAGIAEGLEDGIMBGIoFwgIIEAAYgAQYsQPCAg4QLhiABBixAxiDARiKBcICERAuGIAEGLEDGNEDGIMBGMcBwgILEAAYgAQYsQMYgwHCAggQLhiABBixA8ICDhAuGIAEGLEDGMcBGK8BwgIOEC4YgAQYsQMYgwEY1ALCAgsQLhiABBixAxiDAcICCxAuGIAEGLEDGNQCwgIHEC4YgAQYCsICDRAuGIAEGLEDGIMBGA3CAgcQABiABBgNmAMAkgcGMi4xOC4yoAfN0AE&sclient=gws-wiz) *Money is just a way of keeping score and in the end the score doesn't matter.* **Life's true treasures are the smiles, love, and memories you leave behind in the hearts of others.**

dvdmovie1

The other issue becomes adverse effects. 22.5% vs 25% expected leads to a selloff, but if it has worse AE than something that's say 18-20%, the 18-20% that's much more tolerable is ultimately more compelling imo. Why did only 57% of patients get to the highest dose vs 70% with semaglutide? I think this NVO selloff is overdone, but imo it does look like VKTX - which has had a difficult year ended by a bad month w/smaller biotechs selling off - has the better drug.

Bossie81

BBAI. is indeeda stock of the future. I actually think Palantir will buy it. They overlap, are partners. Now when you look at the sec filings. Please note Insider sales = tax purposes. Clowns online are panicking over this The 144 forms is a private placement. As far as I can tell, these shares are sold within the family. Ownership % is moving up for AE partners and others. I also quickly tallied the 144 last 3 months sales. I think that is crossing 60 million dollar already. For what reason? Pay off debt? What it does tell me, next earnings will be great

ElectSamsepi0l

$RBRK now has a nuclear angle as of this morning… https://www.businesswire.com/news/home/20241212948894/en/Rubrik-Security-Cloud-%E2%80%93-Government-Achieves-FedRAMP%C2%AE-Authorization

Valdjiu

Here, read this: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit

H3rbert_K0rnfeld

https://www.investopedia.com/terms/d/dtc.asp https://www.reuters.com/article/business/dtcc-finds-13-million-soaked-securities-in-sandy-flooded-ny-vault-idUSBRE8AE02H/ Information on how Hurricane Sandy affected the DTCC vault is getting had to find 12 years after Hurricane Sandy hit NYC, NY, USA. The USA is a free market economy. There are no guns to Americans's heads forcing one investment instrument or another. Your use of the word paranoia is fud.

imdaviddunn

The most common side effects were gastrointestinal, including vomiting, nausea, and constipation. Amgen said the discontinuation rate in the dose escalation arms due to any AE was ~11% and less than 8% for GI-related events Further, MariTide was also tied to a higher level of side effects than Zepbound. About 11% of patients dropped out of the MariTide study, compared to roughly 7% in a Phase 3 study of Zepbound. The side effects were mostly gastrointestinal in nature, lining up with expectations for the drug class. ——- That was on the low end of expectations, Mizuho Securities analyst Salim Syed said in a report. The results were also numerically lower than Viking Therapeutics’ (VKTX) shot, he said. In early-stage testing, Viking’s weekly shot led patients to lose 14.7% of their body weight over 13 weeks. The company is also considering a monthly dose of the same drug. ——- All of that said, they have other drugs in the pipeline and they may be able to work out the kinks.

Independent-Drive-32

They are not practice; they are by far the most sensible financial investment for the vast majority of people. If you’re Warren Buffet, there are other choices you should make; if you’re not Warren Buffet, what is best are index funds. [Here](https://youtu.be/gvZSpET11ZY?si=EjNma2sncLr11nGD) is an accessible breakdown of this. [Here](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit) is a more comprehensive starting point, if you’d like. But really, the only thing you need to know right now is index funds. The only thing you need to know in the near future is what type of account you use to buy index funds (when you’re working, you’ll want to use IRA accounts and 401k accounts, but if you’re planning to go to college, for now you can just use a generic brokerage account at a company like Fidelity.

Crackpot35

# STRIPS Interest and Principal - US bonds Hello, Do you know why there is a price difference between STRIPS Interest and Principal for the same maturity date (US bonds)? For example: \- US912834AE85 - US-T Govt Bond STRIPS Interest 0.0 May15'38 at 53.89. \- US912803DD23 - US-T Govt Bond STRIPS Principal 0.0 May15'38 at 56.22. Both should be paid at 15/05/2038 but their rate (and price) are different. Is the STRIPS Interest part more risky than STRIPS Principal? Thank you in advance,

X60X

I don't have a price target but I have [this list](https://imgur.com/a/AE9CHKc) of other BLA's from extension to approval and the price change.

dvdmovie1

The AE on their obesity drug trial results doesn't look very good.

idrankleanonce

Ironically never bought AE clothes 

dvdmovie1

There's been a number of efforts that have flopped - look at PFE's, for example. Production is a major effort (hence the attempt by NVO's parent to buy CTLT, which is now possibly going to get blocked.) If anything, I think that there's more of a moat than I thought a bit over two years ago when I started buying LLY (and to a lesser degree VKTX. I've also off/on owned NVO.) The idea that everyone can just pop out GLP-1 drugs (and GLP-1 drugs that don't have horrible AE (again, look at PFE's drug with 73% nausea/47% vomiting and 50%+ discontinuation rates) is not realistic imo. Can you make one? Yes. Can you make one that can compete with the current leaders? Not so easy. This theme has been going on for nearly two years and there's still a lot of companies on the sidelines of what is/will be an enormous category. Even with VKTX's strong results, they're still a ways behind current leadership. JPM in 2023: "In 2030, Novo will have a chance to reach nearly half the market—a sales opportunity of some $33 billion—according to a recent report from analysts with J.P. Morgan. Analyst Richard Vosser has estimated that the global market will reach $71 billion by 2032, **with Novo and Eli Lilly each accounting for 45% of its sales.**" (https://www.fiercepharma.com/pharma/after-promising-heart-data-novo-nordisks-wegovy-jp-morgan-doubles-2032-market-projection-71b)

dvdmovie1

There's been a number of efforts that have flopped - look at PFE's, for example. Production is a major effort (hence the attempt by NVO's parent to buy CTLT, which is now possibly going to get blocked.) If anything, I think that there's more of a moat than I thought a bit over two years ago when I started buying LLY (and to a lesser degree VKTX. I've also off/on owned NVO.) The idea that everyone can just pop out GLP-1 drugs (and GLP-1 drugs that don't have horrible AE (again, look at PFE's drug with 73% nausea/47% vomiting and 50%+ discontinuation rates) is not realistic imo. Can you make one? Yes. Can you make one that can compete with the current leaders? Not so easy. Even with VKTX's strong results, they're still a ways behind current leadership. JPM in 2023: "In 2030, Novo will have a chance to reach nearly half the market—a sales opportunity of some $33 billion—according to a recent report from analysts with J.P. Morgan. Analyst Richard Vosser has estimated that the global market will reach $71 billion by 2032, **with Novo and Eli Lilly each accounting for 45% of its sales.**" (https://www.fiercepharma.com/pharma/after-promising-heart-data-novo-nordisks-wegovy-jp-morgan-doubles-2032-market-projection-71b)

phatbob198

>*Delaware: Governor Signs Legislation Providing State-Level Protections for Businesses Providing Financial Services To Licensed Cannabis Retailers* https://www.reddit.com/r/weedstocks/s/HZ8QGJ47AE

Redditor-Deluxe

https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy

ahh_real_spiders

It's not a full-fledged video generator, it's just generative-extend in PR, which is useful if your clip is too short. Then there's generative-fill in PS and content-aware-fill in AE, those two aren't even new as they've been out for about a year. The generative features have some good niche usecases but also a pretty high fail rate with visible artifacts. Performance seems a bit better in PR and all apps have been slightly been facelifted, nothing groudbreaking.

thatburghfan

I would avoid using ANY "family friend" as a financial advisor. Don't mix business with personal relationships. Because when you want to end the relationship, it's awkward (as you are finding out). I also don't see any benefit to using multiple advisors. If you use an advisor, they need to know the whole picture to make recommendations, not just the part invested with them. To break up, you make it short and sweet - "We've decided we're going to manage our investments ourselves going forward. We appreciate your help and guidance that got us this far and we're ready to take over from here. " Then you move the investments to your own account (wherever you set it up, such as Fideltity, Schwab, etc.) by telling the NEW custodian to move the assets from the old one. When your old advisor sees another company requesting the transfer, they will have already heard from you what's happening. Personally I don't believe there is any magic involved in investing. I personallly follow the Bogleheads' philosophy **(https://www.bogleheads.org/wiki/Bogleheads%C2%AE\_investment\_philosophy)** so I don't use an advisor, and that system has done great for me. Easy too.

kiwimancy

(1) In general, I recommend against CDs. If you are willing to lock money up for some number of months, you can buy US Treasury bills in your brokerage account which often pay a little more interest and are exempt from state tax. A bank savings account is for money that is in motion and might be needed soon. I don't have the best options off the top of my head but you can search "best high yield savings accounts". A money market fund in your brokerage account is another cash equivalent with no risk, often with good yields, though you may need to compare the available options. Note for all these cash equivalents, rates should change over time with the Fed's decisions. See https://fred.stlouisfed.org/series/DGS3MO (2) For retirees, a year expenses in cash and the rest in investments. For savers, typically 3 months expenses / 6 months income in cash and the rest in investments (with stock and bond allocation dependent on age, risk tolerance, etc). If the business income is inconsistent, it makes sense to keep a larger cushion of cash. (3) Stocks: VTI, VXUS, Bonds: BND, SCHP (4) Open a brokerage account at Fidelity or Schwab. You can open a IRAs or Roth IRAs for tax exempt retirement investing for up to 8k per person (8k is for people older than 50; you can contribute 7k per year to your own once you have earned income). https://www.reddit.com/r/investing/wiki/index/gettingstarted https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy

animalkrack3r

AE vs AE

The_Wombat2081

Head on over to the ASX (Australian Stock Exchange), plenty to choose from: BOE PDN LOT EL8 SLX BMN (holding) PEN (holding) 1AE (holding) GTR (bag holding)

NVDAismygod

Every morning I wake up 6:00 am, go on a walk until 6:25, listen to [Codeine Crazy](https://m.youtube.com/watch?v=QiXLx5jf3AE&pp=ygUVY29kZWluZS4gY3JhenkgbHlyaWNz) until 6:30 and then proceed to lose thousands of dollars each day

Impossible_Pizza_772

https://youtu.be/OLsbM2WDxfI?si=htkpw8KcEvjdj3AE Thank me later😳😳😳😳😳😳😳

dvdmovie1

LLY's more diversified, has had success elsewhere beyond obesity + their obesity drug is more highly regarded then NVO's. There is already discussion of the next generation of obesity drugs and NVO's CB-1 drug didn't have great results the other week in terms of side effects/AE: https://www.fiercebiotech.com/biotech/novos-obesity-drug-linked-mild-moderate-neuropsychiatric-side-effects-phase-2. VKTX's offering is highly regarded, with lower side effects than most. "Compared to LLY it seems like this company is more focused and leaner, which to me seems like a plus." It is until it isn't; it's great when the theme in question is big but the moment others start to become competitive and/or trials start disappointing, the name is going lower. I'd rather the more diversified company. I think the NVO selloff is overdone at this point, but not without some reason behind it imo.

dafll

Visa owns master card. Discover and AE are the main competitors but i doubt they have the same market share.

paradocs

If simple and low risk are priority read the wiki at r/bogleheads. They have a specific section regarding retirement. https://www.bogleheads.org/wiki/Bogleheads%C2%AE_retirement_planning_start-up_kit

AxemanFromMA

Tech sales AE

didsomebodysaywander

A&P license is a big barrier to starting over with the workforce. You can't just take anyone and put them on the assembly line - its a \~2 year training program or the military. On the engineering side - the US aerospace engineering ranks are gutted compared to 50 years ago. Fewer students go into it because (1a) the contraction/consolidation in the US aerospace industry post Cold War impacted jobs and career opportunities; (1b) salty old dogs scared a bunch of us away or wouldn't make room for us; (2) engineering students were choosing SWE over other forms because it was way more lucrative. Throw in that its one of the few industries, the other being automotive, where engineers are often impacted by large scale strikes, and it doesn't inspire confidence in 18 year olds that its a good career choice. I graduated in the mid-2000s with an AE degree, saw the writing on the wall and went into Tech. I'm not saying the skill sets don't exist, but they are nowhere as prevalent as they were in the 80s and it will take a decade of aerospace success to motivate students to go into aerospace. Boeing will continue to bleed talent to other industries. Even if they emerge from their current situation, they will struggle with human capital issues over the next 10 years.

HomerGymson

This is an excellent point. AI will change HOW people work. Software engineers are already using AI to do things previously too difficult to do alone, but they still code alongside it and guide everything they use. AI can create art, but an artist that uses it can carefully tailor what’s created to be better than what an untrained person can. AI can write essays, but a content publisher will know what’s more relevant for their audiences and can utilize the tools. AI can make video, but film makers can story board, direct, and publish what’s produced. Just like how CEOs loosely oversee employees, so long as customers are people, we’ll always need people to oversee the work being done by their utilized AI. The AI will enhance the artists, marketing firms, film makers, and accountants work, but it won’t replace it entirely. Also, as someone who helps decide what tools my company uses, there is value in people showing others what their specific AI and tools do with demos and value add propositions. I’m not going to be sold by a robot AE selling me on a service I don’t need, and AI won’t take people for drinks. People in the future might just work 20-30 hour weeks instead, and the smartest folks who utilize technology the most will get more and more output for less and less hours. This literally is already happening at a lot of highly tech-enabled firms.

dvdmovie1

You don't mention AE at all. Viking's drug has been praised for its tolerability, which is a considerable benefit even when you're talking about VKTX vs LLY/NVO.

IncelVaccine

Yeah I’m not too worried about it. My dad is a pretty successful entrepreneur and a really eccentric guy. People are pretty surprised by my name as well. X AE A-12 is hard for most people to pronounce.

Enough_Aerie1283

Take more risk when you are younger and under 25% your planned retirement portfolio value. Using a leveraged index ETF strategy with a stable fund like SCHD is great. 50TQQQ / 50SCHD outperformed the market amazingly the past 10yrs and with acceptable volatility and drawdown as a buy and hold strategy but is not recession proof. As you gain age and portfolio value, use less leverage to mitigate drawdown risk and volatility. Personally I use 50 QLD / 50 SCHD for my 401k in my late 30s that I rebalance yearly. I manage to outperform the base S&P by using slight leverage index ETF. If you want more diversification and a bit lower drawdown risk mix in VIT + SSO in place of the QLD. You can manage drawdown further by converting leveraged position to guiding index ETFs (i.e. QLD convert to QQQE) when the market begins to contract with a bear progression / recession or begin holding cash and bonds as an allocation. Convert back to leverage when the market begins to expand and grow again. Prioritize growth over drawdown risk when you are young. I am planning to stick with this current strategy until I am at least 45. Here is a 20yr backtest for quick analysis substituting DIA for SCHD due to fund similar performance and time span constraints- past performance does not predict the future - just be ready for a recession drawdown by willing to not participate with leverage and fully in the market is my advice. https://testfol.io/?d=eJy9kl9rwjAUxb9KyYNsUG0a7XAFGcNuTHDqrIgyhty1qWaLiaaZMsTvvrTuj3UIe9jWp%2BSec%2B%2F9nbYbNOXyEXgPFMxT5G9QqkHpSQyaIh8RjGtlXC%2BTOrIRFfFXneT1Kjb1XccKOPJdbB4bQfw0YSLhoJkUyE%2BAp9RGEaSzhMs18r3M9HGdJIouzcxbKfSMv5qBSnLOxHSyZiLO7C7Z2mghlU4kZ9JQ3m%2BQgHkG4mGrA2kMS6s6shzLXMPmTWBmMLGiqQ7YisWG2%2FRo9WIYFDVhQUT0erd0TEHlOzWLnqnazd6djdofd5uji3ajWrpqlEkFn3vGuaAqokJnKbb2njloXR6oDzaKFUyRnxu%2FEZM%2FJCYZsVs5I79AHIZd564dOMNBy8lYT0zf6f8AE68APNSsoB7EYbCv1opq2BsP%2Bu%2BL3ArO%2F%2BhPr%2BsdiV7qmS%2BEfx62IwU9FjUnKGzFhTf%2BsH0Dlv8dfA%3D%3D

dvdmovie1

"market but who's to say there won't be a new market leader with a new drug that's cheaper “weight loss is just as speculative as ai in terms of hype right now “ IMO, there's a lot of layers/variables in terms of drug development/it's not just "a drug is a drug is a drug." Pfizer had their obesity drug results late last year and more than half of trial participants discontinued because they could not tolerate it. They are trying again with a different formulation but it doesn't seem very promising. There will be more competition in obesity, but there is a moat and adverse effects matter, especially when there are peers with drugs that are more/much more tolerable. There's also the matter of production - NVO and LLY have spent billions (the former's parent even bought a company partly for this purpose.) VKTX has a drug with notably lower AE but as a small company, can they go it alone? They will likely need to find a partner and/or be bought out eventually by a larger pharma co that can fund that. So, yes there will be more competition in obesity but it's not entirely easy to compete. "I believe monopolies now are way stronger and have bigger staying power as individual stock than before" Maybe but I wouldn't view that as guaranteed. Companies are not infallible and I think the longer something is a giant success story/household name, the more complacent people get and less willing they would be to acknowledge a company has a real issue. "Past performance is not an indication of future performance but I think people discredit how much a 5-10 year period of a stock can show you the companies fundamentals management and how it's maneuvered certain economic environments I say past performance in a growing market with good fundamentals is actually a good prediction for the future." IMO, there's variables. I do like to look at the last 5-10 years, but that doesn't mean that something isn't overvalued. I own FICO - fantastic company, has done well for the last 1, 5, 10, 20 years. But the stock has basically gone vertical in the last 1-2 years and I have been trimming. There's also still real risks, regulatory and otherwise. Companies can absolutely be phenomenal for long stretches but then run into issues and if they run into issues after a long period of the stock ramping and everyone bullish, you can get a stampede out. On the flip side, if something has been bad/lousy/mediocre for 5-10 years+, it isn't going to suddenly do better because "it's due" or something. Too many people try to call bottoms on stuff that hasn't done well for a very extended period because of real/material reasons without a catalyst then are disappointed when the stock that has often disappointed for years keeps disappointing.

Spy300

>CDC: RISK OF MPOX CLADE I COMING INTO UNITED STATES IS LOW January, 2020: >CDC continues to believe the (covid) risk to the US public is now low. >https://x.com/CDCDirector/status/1221824959426809861?t=4AE1MmWrTfl8IBxDlMWimg&s=19

SpartaWillBurn

I have an older pair of AE shorts. Those things feel so durable. I recently ordered a pair and they feel like a gust of wind could unravel them.

AdPurple4902

Puts. All retail seems to be doing bad. BIRK, AE,FL all went down

Burtonwurton

My portfolio BE -$4000, my portfolio AE... margin called.

Significant-Help-198

Nvidia earnings gonna be biblical, from this day onwards the rungs of time will be classified as AE (after earnings) and BE (before earnings) 

Pretend_Employee_780

I would have done it on Rocketlab. Wendy’s recently partnered with Palantir. If you are bullish on this companies products then Wendy’s could do really well as a result of leveraging new and effective technologies. https://www.businesswire.com/news/home/20240807171687/en/From-the-Farm-to-the-Frosty%C2%AE-Palantir-and-Wendy%E2%80%99s-Partner-on-AI-and-Supply-Chain-Digitalization

oneevilchicken

Just graduated with a masters in AE and the amount of Indian students that constantly get caught cheating is outrageous as well.

DryGeneral990

I got my Sienna last March for MSRP. I was at the dealer waiting for my Rav4 Prime oil change. I asked to test drive a Sienna to kill time. It was a 25AE with 9 miles on it. They asked if I wanted it for 5k markup, I said nope. Then a few mins later they asked if I wanted it for MSRP, I said okay! It was the end of the month and they needed to sell cars. So I recommend going to the dealership at the end of the month to try your luck.

SirGlass

Your gut feeling is right universal life insurance products are usually horrible products for more people. The only way it might make sense is if you are all ready maxing out all retirement accounts and still have money left over The basic advice (even with a pension) is basically to focus on the following 403b up to match > HSA > Roth IRA > 404 after match. So if you do not have a 403 b match (might not if you have a pension) probably just open up a Roth IRA and you can invest 7k into that a year I would really start out with the PF flow chart [https://imgur.com/how-would-you-edit-this-us-centric-flowchart-u0ocDRI](https://imgur.com/how-would-you-edit-this-us-centric-flowchart-u0ocDRI) As far as investing this has lots of good information too [https://www.bogleheads.org/wiki/Bogleheads%C2%AE\_investment\_philosophy](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy) Now what to invest in bogleheads pushes the simple 3 fund portfolio [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) What brokerage to invest the big three are fine , schwab, fidelity or vangaurd

Rippedyanu1

Nah man, a 66 in AE or similar courses is hard AF like the other dude said. I graduated with a 3.0 for rocket prop and I could have slept my way to a 4.0 in any non-stem field

Altijdhard122

https://youtube.com/shorts/Yu0tN0Jc2ZE?si=AE60fxY7z9zaMACn

iAmYim

This time is different. People will worry about the recession and war. Why spend your own money to buy things when you can just spend CC money and pay the min payment to get by. But maybe Warren is planning to sell AE soon. Just wants off load other excellent returned stocks first to pad out the negative loss of selling AE.

MTX-Prez

Made money so I bought a Ferrari and Degal cause that’s what you do. Went to the range with my Gold Plated ( yea I know ) Degal 50 cal and Buffalo Bore 50 AE straight hot pimpin! Left with a carpal fracture (wrist) and and limp pee pee… True story :(

GeneralAustismo

Dude, legit, tech sales. You don’t need a degree. Start as an SDR if you don’t have AE experience. Once you’re in tech, you’re in and it’s possible to jump around. GL bro

weasler7

This is a valid question. Most people here DIY with investments and like brokerages with low fees. That starts us with Vanguard, Schwab, and Fidelity as the long established low cost brokerages. Vanguard was the first to offer low expense ratio mutual funds and they retain a lot of the "first mover" advantage in this regard. But their customer service sucks because it can take a long time to get to a person. Also, the user interface is terrible. Some say it is terrible because it is designed for investing and not trading, but it's quite far behind in that regard. Schwab also offers low fees. Their user interface is also terrible, but they recently bought TDA and so you can use thinkorswim which is a very powerful platform. As an aside, Schwab recently got in trouble because their robo investor had customers enrolled into large cash positions, eventually settled with the SEC. In my opinion, Schwab is fine. I'm a big fan of Fidelity because it too offers low fee products but with pretty good customer service. I can get to a person with a phone call in a minute (but may be because of private client status). The interface is mediocre compared to ThinkOrSwim for trading. But for investing, I can view things like personal performance, and total portfolio weighting, pretty easily. I do securities lending (which is also available on Schwab) which yields beer money. Fidelity has ZERO fee ETFs which are attractive (. It recently came out with zero expense ratio ETFs (https://www.fidelity.com/mutual-funds/investing-ideas/index-funds#:~:text=Fidelity%C2%AE%20ZERO%20Total%20Market%20Index%20Fund%20(FZROX),and%20no%20minimums%20to%20invest%20in%20FZROX)

ZeFR01

 Kids honestly probably just angry they are getting call AE -ex32 as actual names. They’ll be right by his side at his death bed whispering those sweet nothings though.

flatironfortitude

Crowdstrike will be fine in the end but I’d argue the stock should experience a significant correction. They’re currently priced on growth potential and there isn’t any way their growth will take a hit from this fiasco. I wouldn’t want to be a CS AE right now.

AdamJensensCoat

Damn. Nothing beats technical nostalgia. I just got my hands on a PowerMac in 1995 and learned Photoshop 2.0. When 3.0 with LAYERS dropped it was a revelation. Went on to operate imagesetters, color seps, Shockwave CD-ROMs, Flash sites… and an endless parade of shit I would learn to address the needs of the day. Now my career is built atop Adobe’s whole stack with lots of motion work inside the rotting space shuttle that is After Effects. Meanwhile, the FAANG creatives I work across went heavy into Figma as their primary workspace. And it’s awesome, except it was built to do appy/webby things, and feels at odds with its own success. There’s specific production demands it neglects, and good luck bringing in non-creatives if you’re using it as a repo of any kind. I feel like the industry is at a crossroads. There’s so many foundational things PSD and AI address that can’t be easily replaced. But also the things they do specifically well are things that are becoming edge cases as print and non-screen media continue to die off. Then you have Premiere and AE that are juggernauts, but also *three decades old* and still built on that foundation. To make matters more difficult — the entire profession writ large is under price stress. The AOR model is dying. Clients expect incredible results as design shops race to the bottom. In a way, I feel like the future trend may continue to tilt in Adobe’s favor, but with prices adjusted to accept the business reality. What remains to be seen is if Adobe’s 1990s approach to software can maintain its de facto dominance at the student level. I can’t pretend to know.

Logdog016

AE after today.

Lexsteel11

Playing devils advocate- people said the same about fast fashion like H&M and many clothing retailers like Abercrombie and AE got their asses handed to them for a while before finally pivoting. Personally I think Etsy is fucked- he’s not wrong but with inflation hitting consumers, pricing elasticity is super low on knickknacks that have a dirt cheap product parody alternative with free 2 day shipping

Environmental_Emu_87

I wish I did school psych! ABA is really interesting to me and I want to go back one more time to become a BCBA. But for now, AE middle school teacher.

RickJamesBoitch

Hearing that AMZN at least has a plan against TEMU and AE gives me hope. I am a very big bull if they can. Everyone uses amazon, i hate some of what they've done to prime members, but as a shareholder I like it. No one likes to shop in person anymore and they have got the infrastructure in place to deliver same day in a lot of places. They can have cheaper overhead then Walmart. GOOG, I'm bullish, they are so far ahead in internet searches and I am sure they're bringing all of the data mining to bare with AI. Again, having me data mined and shared is super duper gross, but this is r/stocks not r/Emotion. MSFT, i don't invest in them, so can't say. I think they're advanatge will be brining AI to everyone who uses windows, that's there advantage in my eyes, if that takes off. TSLA, I'm bitter that for the last handful of months it's been much lower then my average buy. I think it's a total coinflip. If they're AI takes off and SpaceX continues to have success it will raise TSLA. Elon is so volaitile and X is an absolute anchor to TSLA share price and Elon's emotion. I'm not buying anymore TSLA and already feel like I bought to much honestly.

AP9384629344432

[Reasons I'd instantly sell my CELH and CROX holdings](https://i.imgur.com/AE1b8o6.jpeg). (I will have nightmares about this product launch)

Metron_Seijin

Not 2 day, but I get stuff in a week about half the time from AE. Despite having prime, and living in a werehouse hub state, Ive never gotten anything "2day". Its always late, or gets shipped the day it's due and still arrives late according to the date Im given on the order page. I dont feel like paying amazon  extra to get things with 1 day shipping when its sitting in a warehouse 25 miles away. Heck, they cant even get my s&s to me by the monthly date Ive chosen and thats a full 10-30 days warning. And that stuff also comes from the the same warehouse half the time. Shipping from China will be the same speed whether it comes from AE or from this new trash sub-site. No one is going to express ship disposable clothes that cost under 20 or whatever their limit is.

TheDevilintheDark

Went into an AE for the first time in years. I like how they have marked up their prices but still putting items on promotion for the same pre-covid price points. Also, how are you gonna stamp "super soft" on a t-shirt that feels like a burlap sack?

twoscoop

https://youtu.be/vSPfEyR_92M?si=NEdB3vbg1W0Nr0AE&t=424

RubiksPoint

This is a great resource for anyone who is relatively new to investing: [https://www.bogleheads.org/wiki/Bogleheads%C2%AE\_investing\_start-up\_kit](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit) If you're not in the US, there is a link to the non-US version at the top of the page.

ace_11235

I’m confused by your comment. I’m saying A&F is typically more expensive (just looked and it’s $80 hoodies, $70-120 jeans, $120 dresses) vs Gap, AE, etc. Not sure what the poor bubble is.

ace_11235

Unless it’s changed, A&F is more expensive than most alternatives (old navy, gap, hollister, AE, Aeropostale, and especially SHEIN and Temu).

Devario

Photoshop and AE are their two moated products. But the rest of their products have strong competition.  The film industry is in shambles. Advertising budgets are gutted. With so many content creators, cheap media is becoming more valuable than expensive agency based content. Things don’t have to be so polished anymore, and AI will pull a lot of the complex footwork AE/PS we’re crafting. And forget cloud based income; every other tech company has cloud based storage covered.  For long term, i really don’t think Adobe will outperform other noteworthy S&P500 stocks. There just isn’t much room for growth. Maybe it goes up, but it will certainly lag the S&P. 

Bittygirl707

$path UIPATH  [https://www.businesswire.com/news/home/20240613511190/en/UiPath-Named-a-Leader-in-Everest-Group%E2%80%99s-Process-Mining-Products-PEAK-Matrix%C2%AE-Assessment-2024?utm\_campaign=shareaholic&utm\_medium=copy\_link&utm\_source=bookmark](https://www.businesswire.com/news/home/20240613511190/en/UiPath-Named-a-Leader-in-Everest-Group%E2%80%99s-Process-Mining-Products-PEAK-Matrix%C2%AE-Assessment-2024?utm_campaign=shareaholic&utm_medium=copy_link&utm_source=bookmark)

nycannabisconsultant

I dont have a dog in the fight, but I've heard from two business owners that AE flat out refused pay a customers charge that the customer signed for and was on camera in the establishment on the same date. Wow.

greytoc

If you scroll up - look in the Getting Started link resources. You should find resources there. There is also [https://www.bogleheads.org/wiki/Bogleheads%C2%AE\_investing\_start-up\_kit](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit)

Evander85

I work for CRM as an AE. Just realized I didn’t close any of my Q1 deals at the end of march like I should have and closed them April 1 instead. Whoopsies

ClenAndOptions

if it's green i'll splurge on a .50 AE

sithren

Might be worth doing some reading to learn more about this stuff. You could do a lot worse than starting with these two links: [https://www.bogleheads.org/wiki/Getting\_started](https://www.bogleheads.org/wiki/Getting_started) [https://www.bogleheads.org/wiki/Bogleheads%C2%AE\_investing\_start-up\_kit](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit) The second link has some recommended books, too. I

Evander85

Is this a good time to tell you as a Salesforce AE that I missed my quota last Q?

SpiritOfDefeat

On the professional side of things, my understanding is that AE already isn’t particularly dominant. Autodesk Flame, Nuke Compositor, DaVinci Resolve and Fusion, etc. handle a lot of professional VFX and compositing work. If I had to guess, Adobe is the most deeply entrenched with smaller scale content creators. The YouTube channel with 100k subscribers probably has a small editing team using Premiere and After Effects. And for them, it’s still arguably the best solution. But there’s other programs that can potentially fill the niche. Blender is ridiculously powerful, and totally free. But the workflow is very difficult to adjust to. The possibilities are essentially endless with it though. Black Magic has free versions available for free and they’re quite powerful. Natron exists and is free and open source, just as Blender is. There’s even a non-commercial version of Nuke available that does allow revenue from advertising. Adobe has quite a few competitors who could make a move on their target demographic. Will it happen? I don’t know. But it could.

Notwerk

If you're new, you probably really shouldn't even be looking at individual securities, let alone Game Stop. Put most your money in something safe, like VOO, a Vanguard S&P 500 ETF. Or QQQ, which tracks the largest NASDAQ companies. These are safe foundations. When the market goes up, so do they. And, long-term, the market generally goes up. That's your long-term strategy.  https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Once you've got a good foundation in solid funds, you can branch out into individual securities you have a conviction about without gambling your nest egg.

Uatatoka

For stocks all you need is FXAIX, not FBGRX. Keep it simple and lowest cost expense ratio. FTBFX depending on age - if young 100% FXAIX is fine. 120 - age for % of portfolio allocated to bond fund is one metric though I probably won't ever exceed 20% personally. Teach her about dollar cost averaging and to train yourself not to get scared when the market drops. That's when everything is going on sale. This may be a helpful resource for her: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy

pharmaboy2

VAERS only under reports when an AE isn’t suspected - it follows physician concerns generally. It’s very dependant on how new a drug is, the mode of action, and how actively the sponsor is in discussing the medication - all Pharma has mandatory internal reporting for any outcome at all - so you would get more reporting from Pfizer than Moderna purely due to boots on ground

RubiksPoint

[Here's](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit) a great introduction to investing. There is also a Non-US version linked at the top in case you're not from the US.

jophilipp

Not a fan of pennystocks myself. Still bagholding $FMANF (A2P5AE). Don't even ask. https://www.finanzen100.de/aktien/canada-house-cannabis-grp-inc-wkn-a3dtw9_H876002485_11727017/ Worth 23.9 Mio. ~2000 OTC buys during the weekend.

thatburghfan

1% aum over 30 years is likely to add up to about a quarter of your portfolio. Consider the bogleheads approach. It has served me very well over a long time. [https://www.bogleheads.org/wiki/Bogleheads%C2%AE\_investment\_philosophy](https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy)