EPP

curiouscirrus

I think they mean ESPP, not EPP

overitallofittoo

I have a friend who worked at the Apple store for 15 years. Retired a millionaire by maxing her EPP.

SylvesterStapwn

When I first started working at Apple there were a ton of engineers who refused to invest in the employee purchase plan because they didn’t understand it. Each time I offered to give them cash for their EPP investment, in exchange for 7.5% of the 15% in discount. Everytime they only did that deal for 2 quarters and then realized it was free money. Some people’s eyes just glaze over with stocks.

brainlet99094

U.S. consumers spent a record $11.8 billion online during Black Friday sales - CBS News. 4 hours ago What the hell are people buying. I couldn't find a single deal on a phone, even. Though I'm not EDU/EPP

WildConsideration376

BBAI IS NEXT NVDIA..first we clear $10 airport-related contracts and deployments for its artificial intelligence and biometrics technology. These projects primarily focus on passenger processing and security enhancements. The company is also in a position to potentially benefit from future, large-scale airport modernization efforts, though these contracts are speculative.  Airport contracts and deployments Nashville International Airport (BNA): BigBear.ai recently deployed its Enhanced Passenger Processing (EPP) system at BNA's International Arrivals Facility. The system uses the company's veriScan biometric technology to streamline the customs process for international travelers. Numerous other U.S. and Canadian airports: BigBear.ai's biometric and AI-powered identity solutions have been deployed at a range of airports and ports of entry, including: Charlotte Douglas International Airport (CLT) Chicago International Airport (ORD) Dallas Fort Worth International Airport (DFW) Denver International Airport (DEN) John F. Kennedy International Airport (JFK) Los Angeles International Airport (LAX) Montreal-Trudeau International Airport (YUL) Port of Seattle (SEA) Vancouver Fraser Port Authority, Canada Federal Aviation Administration (FAA): In August 2024, BigBear.ai was awarded a shared Indefinite Delivery/Indefinite Quantity (IDIQ) contract with the FAA. This contract, which has a shared ceiling of $2.4 billion over ten years, is part of a team led by Concept Solutions and provides IT solutions and emerging technologies. Analogic partnership: BigBear.ai has partnered with aviation security systems innovator Analogic. The collaboration integrates BigBear.ai's computer vision screening with Analogic's Computed Tomography (CT) scanners to improve threat detection at airport security checkpoints.  Speculative contract with the TSA While not an active contract, a future $5.5 billion AI/biometric technology upgrade by the Transportation Security Administration (TSA) is often discussed by investors and is considered a potential catalyst for BigBear.ai.  This massive, multi-year contract is currently in the planning stage and has not been officially tendered or awarded. Speculation is based on BigBear.ai's acquisition of Pangiam (which worked on previous TSA projects) and the presence of former DHS officials on its management team. As of late 2024, there was no concrete evidence that BigBear

Brilliant_Builder697

Not exactly TA, but Active hiring continues (e.g., 30+ open roles visible across boards like Indeed; company careers page active). Not a perfect proxy for headcount growth, but roles span engineers, test, systems, typical of delivery scale-up. slight LONG bias but low-quality as a trading catalyst. On the other hand, EPP software deployments + OEM channel narrative (Smiths OA) support a richer mix. → supports longs for margin mix, even without new award prints.

RU9901

65/M just recently retired. I've got 85% stocks and 15% bonds. 14 Corporate Bonds purchased a couple years ago when they were a good buy: Their Average Yield to Maturity: 5.9% Their Average Coupon Rate: 3.7% My 85% stocks are entirely in S&P 500 index funds. I plan on keeping it that way for the duration of my retirement. The 15% in bonds represents several years of living expenses, which I plan on selling when taking withdrawals during any market downturns. Are these Corporate Bonds suitable for this purpose? [https://drive.google.com/file/d/1sLZZ75EPP4W5if89PW4piXg2QJNkH5g1/view?usp=drive\_link](https://drive.google.com/file/d/1sLZZ75EPP4W5if89PW4piXg2QJNkH5g1/view?usp=drive_link)

KindInsurance333

Bought a Samsung laptop and monitor because they offer huge (like 70%) EDU/EPP discount and boy was this a huge mistake. This garbage is so damn buggy. Not even worth it at a huge discount.

Standard-Inflation-6

That’s the existing market. They’re seeking approval for expansion into vitiligo, and the cosmetic market as well. The drug is called Scenesse and it pretty much works by boosting pigment in the skin and inducing a protective tan. That’s why it works for EPP and vitiligo, but more exciting for me is the potential cosmetic application when they release the topical version

Freya_gleamingstar

Hey, pharmacist here. Got curious about your claims on their drug and looked into it. It's a verrryyy niche product that may help patients with EPP. This is a very rare condition and if this drug is ever put up for approval in the US, it would almost certainly be for Orphan Drug classification. Canada's "FDA" is looking at it now, but it is estimated that only about 280 TOTAL patients in all of Canada may benefit. I'm not aware of this company selling any products in the US currently, so they would have some large regulatory hurdles to climb to access the world's largest health care market.

DottMySaviour

>A 1% expected return with the possibility of losing 60% or more of your investment doesn’t seem very attractive. I get your point, but this sounds like only a concern for an investor making only a few "bets" (i.e. a few individual stock picks) rather than a large number of bets (i.e. a diversified investment portfolio). If a gambler has a tiny edge on a game or list of games he's betting on, if he's allowed to bet on it a large number of times, he can in theory have a risk of ruin that is close to 0% and end up winning eventually. Now this makes me wonder if EPP can be somehow explained by a too large proportion of "a few bets" investors in the equity market so they somehow have pricing power to demand lower prices on equities. But, with further thought, it doesn't make sense because large institutions that can afford to make many bets can just come in and scoop everything.

TuLemay

Equity Risk Premium (ERP) might feel like it's shrinking, but remember, it's also about perception and changing risk attitudes over time. Better tech and more info can make markets more efficient, but they don't necessarily make them perfect. As for EPP, it's still a puzzle because markets and investor behavior evolve in complex ways. Prices being high now could be part of that adjustment

NoBite8053

You’ve touched on some key issues with ERP and the EPP. It’s fascinating how the idea of demanding higher returns for equity risk can seem counterintuitive. The EPP and the rising cost of stocks in a more informed market suggest that investors might be overestimating risks. As technology and access to information evolve, it will be interesting to see how these dynamics shift.

betadonkey

Fair warning: EPP and many other oil and gas companies are structured as master limited partnerships (MLP’s) and not corporations. They pay great distributions and have tax advantages but actually doing the taxes for them is a complete nightmare. Your eyes are going to pop out of your head once you get that first K1 and realize you owe taxes in 30 different states. It can still be worth it just make sure to get them professionally done.

sephirothFFVII

Their EULA has an indemnity clause for errors in their software. Their liability is zero from all of this. They'll lose customers but OP underestimates how lazy desktop admins are or how hard it is for customers of scale to change out EPP

PoCk3T

(ex) CSCO employees have a lot of it, the company has a EPP (Employee Purchase Program), somewhere around 30% discount to buy the stock

twistedt

And frankly, if Cylance has made all these strides, the fact that they're not included on the latest Gartner EPP MQ, when 16 of their competitors qualified for the survey, is completely unacceptable.

twistedt

Really? Show me these "recent reviews". Show me the Gartner EPP Magic Quadrant and MITRE scores. And then show me where SentinelOne is now on MITRE, where they've been the last 4 years, and then show my what Cylance has done in that time as well. No one has been as consistent at protection as SentinelOne. And CylanceOptics was pure shit. While Cylance was patting themselves on the back for AI machine learning, the others were using a layered engine approach for protection and building out their EDR platforms, which is where the industry was evolving into. Cylance could never catch up, and the acquisition by Blackberry didn't bridge the gap.

longstorySchorsch

SentinelOne is tiny but ranked #3 by Gartners EPP Report and scoring overall better in MITRE comparisons. Crowdstrike is also eating Zscalers marketshare in many addons like DLP/Endpoint and Server Firewalls etc - i stand by my claim that SentinelOne might be the most obvious choice, based on their product and MDR

916CALLTURK

>I'd also suggest HPE and DELL. Legacy names for sure, but have a huge moat with "endpoint protection" products I'm not sure they do? The EPP market merged with the EDR one around 10 years ago. I'm not sure either have EDR products worth anything (and HPE divested their software business and sold it to Micro Focus, not OpenText, IIRC).

NotDumbRemarks

Holy shit, who would have guessed that the Equity Premium Puzzle (EPP) would have been solved not in a research paper but in a wsb post.

GunBrothersGaming

This is BS My buddy is buying as many EPP shares at about $199 a share and selling them. Couple others I know used theirs and bought Lambos. So... Yeah employees are buying shares.

Magikalmonkey

EPP yea you know me

rackoblack

>CPA CPAs reply below, income levels have never warranted an out-state return yet. >We read through the paperwork that accompanies the Enterprise Products Partners LP K-1, and we see that portion that covers income in different states and the notice that "Since the Partnership has operations in 40 states", that a partner may have to file a return in each state. From 2019 - 2021, the income/loss allocated to each state is rather immaterial ( $0 in 2019, and losses for tax year 2020 and 2021). > >However, if you were to receive this paperwork from EPP for 2022 (just an example) and there was significant income attributed to a particular state, then yes, you would have to file a return for that state. This doesn't seem to be the way things have gone historically (2019 - 2021). If you believe income per state may drastically change in the future, then just keep in mind that you may have additional returns to file.

Moklow

I’m sorry but all that if fucking wrong man. The EPP is not right wing, it’s center-right. Then PiS and Fidesz (both right wing parties & are not in the EPP, because they are too much on the right) so how would the EPP be right wing as well? The “recent” CDU of Germany was also center-right. I’m as much of a leftie as the next person but that is completely bullshit rhetoric…

Terrible_Toe

As someone who has worked with most security products and all of those vendors I'll give you some food for thought. First off, all of these companies have very different businesses. only a few of them have overlapping products and I'll explain below. EDR- Endpoint detection and remediation, previously called End point protection (EPP) or antivirus (AV) Crowdstrike is focused purely on Managed Detection and remediation (MDR) and EDR solutions - Protecting endpoints IE. Laptops, phones, tablets etc.. Fortinet has their own EDR solution but it doesn't compare to crowd strike's. Z scaler and Net do not offer an EDR solution by my knowledge and it's the reason that Zscaler has decided to integrate heavily with crowdstrike for EDR telemetry & Illumio for micro segmentation & workload protection. When using these products in unison you can produce an architecture which can follow a zero trust methodology. It will share intel between them (what we call telemetry data) for quicker remediation's, and actively defending your network instead of the products being separated into silos. IE. Crowdstrike finds a ransomware on one of your endpoints, Illumio can quarantine the device from the rest of your network, & Zscaler can update it's signatures to prevent the transmission of this ransomware again. Pause here - If you don't know what Zero Trust Security (ZTS). It is a methodology which says that protecting the perimeter of your network is no longer effective in reducing breaches / incidents. Ex. a castles moat is no longer good enough, instead lock each door and ask whether someone has permission to enter that room. In technological terms a Zero trust methodology should include continuous authentication, workload protection, & micro segmentation. A lot of companies say "I sell Zero trust" but in reality nobody sells ZTS, ZTS is a way to manage your network which some companies may sell a component of. Firewalls - on premise or in the cloud Zscaler, Net, and Fortinet, all have cloud firewall offerings but not all of them do the same function / business. to my knowledge Fortinet is the only firewall vendor ( out of these 3) who has the partnerships to spin up cloud based firewalls with AWS, Azure, Google Cloud, etc. Zscaler and Net have their own private clouds which they allow you to secure pass traffic through and middle your traffic securely. This can be great for a company with all mobile workers as you don't have to invest in your own firewall appliances to be getting enterprise grade protections. They have a per user per month model and they can protect you from internet access as well as give you a secure backdoor into your applications behind your private clouds. Fortinet has this functionality with hardware appliances but not the same model as Net / Zscaler. (I've never used a Net gateway so I can't speak to which is better between them and ZS, I've used ZS before I like it). Fortinet has the best on prem firewalls out of all the companies above. They don't have the best on prem firewalls in the business, but they excel at Small and medium business (SMB) and their hardware is designed to support Software defined wide area networked (SD-WAN) architectures. I have seen these in action with a hub-n-spoke architecture and they worked well. DDOS- distributed denial of service Cloudflare is the only company above to provide a DDOS solution. I don't think they are the best in the industry but they do a good job. A note on Cloudflare is that they are a diverse company with a lot of verticals. Some are security related otheres are services that I know little about. I don't think you are comparing apples to apples with any of these companies so understand where each has strengths and weaknesses. Final thoughts- To round out your portfolio you may want to look into companies that sell SIEMs IE. Splunk, darktrace, microsoft sentinal, IBM's Qradar. Okta is an Identity Access Manager provider (IDAM) and they are also a heavy player to the authentication component of ZTS. You should also consider reading Mitre, gartner, and NSS labs reports to compare how customers feel about these products as well as their security scores. Being the best at security doesn't correlate to having the best stock price. Palo and Crowdstrike have the best mind space - yet some of the oldest vulnerabilities that are left unpatched. All of these companies will continue to grow due to industry trends and each of them have their own slice of the security pie. My 2 cents.

SuiladRandir

Cylance is one of the best Enterprise EPP on the market.

916CALLTURK

Literally every EDR/EPP tool has bypasses available. I'd recommend going through a Gartner or Forrester Wave report for a proper answer to your questions - I've not had access to those for years but they're usually pretty informative.

please_dont_sigh

Hello All, I'm in my Mid-30s Backstory: I came to the US on a work visa and didn't intend to stay long, however, things have changed and I may be here for a longer period of time. Since I wasn't sure on how long I would stay, I just saved my salary and lived frugally without investing. Now, I have 75K in liquid cash and about 25K in my company stocks that i got through EPP (which i want to sell as my company is more or less stagnated for the last 5 years) Can you please advise on how to invest my money? I'm looking into Index funds and I'm focusing on mainly cyber security and cloud computing, and maybe green energy. I was reading about index funds and that it's wiser to pay a fixed amount on a regular basis than a lump sum. Now, I do have a lump sum, so what do I do? I'm looking at 3-5 years long investment. Please advise? I'm not very familiar with investing.

Ihopeyoudieslowly

They were downgraded as a direct result of an SEC fine and certain banks blocking them as a EPP in some cases.

GTdspDude

I’m in the Bay Area and we get priced out of Roth real fast (earnings exceed Roth limits) and this is something I harp on with my younger engineers. It’s like you’ve got maybe 3 years max, so in addition to maxing out your 401k for that match, max out your Roth and for fucks sake max out your EPP as well - especially on our stock, I make a cool 20k a year just off EPP discount alone.

Ok-Bar601

They were amazing half yearly results for Clinuvel, slightly more than my forecast of more than 500% profit growth and in line with my expectations for full year results of a REVENUE EXPLOSION with more than 50 % full year growth in revenue and profits. This would give Clinuvel approximate full year earnings of $46 - 50 Million Revenue and $21 - $26 Million Profits depending on costs and we know CUV tightly control costs. These sort of amazing figures are broadly in line with Pro Medicus financials which has a market cap 5 times Clinuvel of about $5 Billion so plenty of upside to the current severe CUV undervaluation. An amazing fact for CUV is they could pay a special dividend right now of $1 per share and still leave a respectable amount in the bank (about $30 Million). So in future years I see this cash generating machine actually paying out very large dividends like CSL does now, obviously the share price will be much higher then but yields for early investors (eg current prices) will be enormous and this is why I never sell CSL regardless of enormous gains. Hopefully CUV can do something similar, on a smaller scale obviously, but with the US EPP market (the worlds biggest) just at the very start of producing incomes and more growth to come from Australia, Israel, Europe, Japan and the awesome market of China we can see growth to come for many years just on this 'proof of concept' rare disease. This is the whole point of Clinuvel, if they can add ANY other indication to an already FDA, TGA, EMA and Israel approved and very safe drug they will become a $100 + share instantly. We know from the approval process that safety is the main thing looked at by regulators and we know Clinuvel has many years of data (including great safety record) from their drug. They have one of Australia's top neurosurgeons on the board and are targeting STROKE. Then there is Vitiligo which it can be seen from trial results will be almost cured in some skin types so FDA approval on trial structure is keenly awaited. Then there is the big one of DNA repair and SKIN CANCER treatment including the XP program. It will only take one. Management seem very confident as they have the knowledge of what the drug does, I'm backing them and can't wait for some readouts later this year. In the meantime I just have to be happy with watching awesome financial results roll in for Clinuvel that very few companies can compare to in these tough times. Will be nice to see some analyst re-rates on this stock now that EPS has really shot up and hopefully some new analysts initiate coverage because it is pretty clear the share price will be much higher in 1 or 2 years than it is today. All IMO DYOR

rhinest0necowboy

I worked at an apple store with somebody who had been there from the very beginning (2002-2003?) and had been maxing out his EPP ever since then. I think he must have something like 20,000 shares now after all the splits. still works there haha

Ok-Bar601

Good evening ladies and gentlemen. I’m not sure if this company has been discussed on this reddit before, but I wanted to mention it briefly. First of all, to assuage any concerns about a possible pump and dump, I urge all investors here to please do their own research regarding this company. I have high hopes for this company but as with all investments there are still risks. The company is called Clinuvel Pharmaceuticals (CLVLY). Currently it has market authorisation for Scenesse (afamelanotide) in the US, Europe, Israel, Australia, and soon to be Japan, China and Latin America. Currently they treat 1 disease known as EPP. However they are looking to gain approval for the following indications: vitiligo, arterial ischemic stroke, xeroderma pigmentosum, variegate porphyria, and a yet to be announced 6th indication which is likely to be neurotrophic (I.e multiple sclerosis or some form of dementia). The drug itself is a analogue of a naturally occuring melanocortin stimulating hormone, which has remarkable properties such as an anti inflammatory, is vascular-active, and is an immune modulator. In addition the drug stimulated melanin in the skin as a happy by-product allowing people to tan without going in the sun. The company has followed a strict ethical path to assure regulators that it will not use the drug for purely cosmetic purposes. Since there is too much information to touch on please feel free to ask questions regarding the company and it’s prospects for the next 2 years.

Ok-Bar601

Tanning is a fortunate side affect of this wonder drug, but the regulators would never have given approval for a tanning drug. So the company had to choose a proof of concept indication (EPP), a rare disease where patients are in pain from being in the sun. This arguably gave it the best chance of being accepted by the regulators as there was no other effective alternative treatment. But there’s so much more to this drug than meets the eye. Regarding tanning, they will be releasing topicals which contains fragments of the active peptide. This will be available over the counter and will be priced under $100 a bottle easily. These will induce tanning (or photoprotection) which helps fight the war against melanoma and other skin cancers. The peptide is also known to repair DNA, by extension this will largely prevent skin cancer from developing. This is a huge market, especially where anti-aging is concerned so the dermocosmetic market will be a target and is currently valued at approx. $15-25 billion annual and rising. But this is only one small aspect of what the company can achieve. The medical applications for this drug are profound , with one example being a trial is set to begin in stroke patients to help improve recovery in the penumbra site of the insult in the brain. Further, there is speculation about a 6th indication being neurotrophic-oriented, which could be multiple sclerosis or dementia. Either one of these indications if approved will make the company a $100 stock. This is baked up by the addressable markets Clinuvel has spoken about in their recent Strategic Update document (available on their website). There is a Clinuvel forum called Sharetease that has lots of research and information. The sad thing about people’s initial reaction is they don’t realise what this company will achieve long term, they only think of the tan. But actually this peptide is essentially a miracle drug which acts an immune modulator, repairs DNA, strengthens the vascular system etc. In recent studies, the peptide was shown to reduce amyloid plaques in Alzheimer’s while another study showed rats with induced cardiac arrest had a 70% increase in survivability when administer the peptide. The world dosent understand this drug yet but it has the potential to become one of the most well known drugs. Also because it’s a analogue copy of a naturally occuring peptide in the body it doesn’t have side affects like with steroids and other similar drugs.

NSFAnythingAtAll

I apologize in advance that this comment is not about GME, AMC, or NOK. I have 20 whole shares of MU that I bought 15ish years ago as an employee through their EPP program or whatever. I paid <$10 a share for these, it was like a nothing buy at the time and I haven’t thought twice about them in a long time. It’s hovering around 90 these days. I told myself I’d sell if they ever got to 100, but now it’s so close but I’m not sure if it’ll get there. Y’all suggest selling ~90 or holding?

ArentYouTheGuy

I’m invested in Clinuvel. Actually, I bought my first shares more than 10 years ago and I’m up more than 1000 %. I’m not holding for potential off label use, though. It’s all the other stuff: DNA repair, cosmetics soon to be released, stroke (AIS) and the mere financial potential of the indication which is already approved by the FDA, EMA, TGA (AUS) and Israel and soon China: EPP. The company is extremely undervalued even just based on that indication. And EPP is only a proof of concept in the long run. Within the next two years they will roll out several other bigger indications and that’s where the fat is. No debt, already approved and big likelihood of follow on indications and cosmetic use soon. Another 1000 % easy IMO. DYOR

kbxl

Women do a lot of crazy stuff for beauty (source: am woman) but TBH this doesn't sound all that great. 1. It has a lot of nasty side effects: > Very common (up to 10% of people) adverse effects in people with EPP include headache and nausea. Common (between 1% and 10%) adverse effects include back pain, upper respiratory tract infections, decreased appetite, migraine, dizziness, weakness, fatigue, lethargy, sleepiness, feeling hot, stomach pain, diarrhea, vomiting, flushing and red skin, development of warts, spots, and freckles, itchy skin, and reactions at the injection site. 2. It's an injectable. 3. The alternatives are cheap, painless, predictible and easily accessible: actual tanning (still popular despite its drawbacks) and self-tanning products. 4. Apparently there's a form of this drug already being sold in the grey-ish market like gyms and beauty salons. It hasn't taken off in any significant way. I still see mentions of tanning beds but have never seen a mention of this.

daniellaxrs

As someone who works with multiple cybersecurity vendors (including BlackBerry), I can guarantee that BlackBerry are not at the top of the EPP or EDR game nor even leading the way. Still a good company to invest in long term though in my opinion.

Sukh6

Exactly that. I’ll post another summary tom, but basically BB dominates EPP and recently got into EDR. The current hype with cybersecurity is all bc of EDR. EPP is proactive security platform, and is passive management. EDR is reactive, and involves active management. There are platforms that combine both and that’s where the industry is heading, as it results is better security and is cheaper

redsox06355

I completely agree on the valuation. Telos is at about 20X TTM while CRWD is at 80X. I would say though, CRWD has a far higher growth rate and a much greater TAM. CRWD has a much better churn rate, and a greater upsell rate per module. They have a better magic number and focus on far more lucrative enterprise deals. Also, CRWD has literally beaten back hackers in Solarwinds, I haven’t seen Telos do anything similar. I would suggest you look into Gartners magic quadrant on EPP/XDR