MS

Full_Pear449

MS Applied Statistical Anakysis, not English composition. There were 10 Traders on our risk/arb Prop Desk. 3 of us did not have PHD's . myself, #2 later was promoted to Global Head of FICC trading and the last one Trarted her own Hedge Fund and was the Primary on this Podcast: Episode 189 of the *How I Invest with David Weisburd* podcast features an interview with Nancy Davis, founder of Quadratic Capital Management, discussing her nearly decade-long tenure on the [Goldman Sachs](https://www.goldmansachs.com/insights/podcasts) proprietary trading desk. After you watch this PODCAST you could get back to me and I will glady answer any and all questions you may have. I wasn't aware that any of these conversational pieces were actually at the Treatise or Disseration levels

Accurate_Walk_5075

The “leaked” MS Asia pipeline Excel nobody asked for (100% fictional). See attached! https://preview.redd.it/x1tgpug1yerh1.png?width=1240&format=png&auto=webp&s=290c1a13ad418d4ecce1848bdf59b051647a1f03

Heineken_500ml

best to think thrice before you touch anything MS underwrites

Full_Pear449

Understand one thing , you stepped in dog poop and I did it myself. Johns' Hopkins BS Economics (got loans to cover), 2years got Summer Internships in a VERY BIG Investment Bank, the acceptance rate was 2%, Job offer from said Investment Bank Jan. of my Senior Year, 2 year Junior Trading Position, subsequently offered Regular Trading Position In PROP TRADING RISK/ARB DESK, 2005 Head of Trading desk, retired in 2011.. OH forgot , Firm IPO's in 1999 when I was a managing Partner, you should probably look up that isssue and see what we got to settle out and go public. During my Trading Days also got an MS in Applied Statistical Analysis. Nobody had to die in order for me to be where I am today, I did it all own my own. "So now I have $4mm dollars and you think you made it. I had a better bonus than that my first year as a Junior in 1986.

ComedyBits

But, Dad, MS office changed all the logos! I thought I was sending New Business.ppt but there’s no extensions anymore

carsonthecarsinogen

There’s value there yes, but the current “moat” argument is that they will be getting all the prompts, the data along with said prompts, AND they’ll be able to have a platform to sell shit back to you on. Longterm (10 years) I think they’ll just be an API for open sourced models and vibe coded applications (MS office replacements etc).

kwijibokwijibo

Wouldn't these three keep their respective moats against open source models? MSFT has access to the MS office suite. Muse has access to FB, IG, WhatsApp. Google has access to Google maps, YouTube, Gmail, etc. The open source / open weight part doesn't magically open up access to these closed source products, which is where their real moat lies?

confused_teabagger

>Natalie Harp Got Trump To Ban CNN, MS NOW And Politico From WH **Backup singers: Damn Natalie you a crazy chick!** **Natalie: Yo shut the fuk up and suk my d!ck!** Natalie, I apologize! I did not recognize your game and power level! My mistake!

econopotamus

I had to click through because the "ETrade only has $159million in customer assets" statement is so obviously wrong. That's specifically the segmented assets of just their futures desk, according to that document....And since it's from mid 2026 I assume most of their futures have moved to the Morgan Stanley desk (MS bought Etrade and I know they are clearing most of my big stuff through Morgan desks now). The assets argument is off but IBKR does likely have more appropriate service for OP.

craftypanther4

I've seen this exact graphic posted in like 4 different discords with a different ticker slapped on it every time The design budget screams "made in MS Paint at 3am after losing rent money on 0DTE calls" But hey at least this one has a coin emblem, that's gotta count for something right

RookieMistake101

I am not? You do realize that MS also has RIAs right?

CBFball

It’s not coming from MS and you’re making this up lmao

RookieMistake101

I haven’t seen the sub docs. I have no idea if there’s carry or which layer they’re on. It’s coming from MS so I doubt it’s beyond layer 2 but it’s all bs until you see the docs.

RookieMistake101

I really have no clue. I assume both and the MS team is using it as the carrot stick to try to take my client. I wouldn’t even think it’s true if not for who the guy is.

gizamo

I have an MS in Quantitative Economics from NYU and decades of work. I'm plenty qualified. If you're going to be a reductive ass, I'm not helping you any more than I already have. You seemed to have refused the help in preference of your arrogant ignorance. Best of luck with that.

Eastern-Joke-7537

The LaQuinta in Oxford, MS is $1,700 a night this weekend. Do something WARSH!!! 😂

YarnStomper

AT&T didn't pay companies $25, those companies paid AT&T. Apple didn't pay Samsung and others to buy Apple products, Apple hired them to manufacture parts and devices for Apple, and then Apple sued Samsung for copyright infringement. Microsoft bailed out Apple when they bought non-voting shares while agreeing to provide Microsoft Office compatibility for MacOS which is mildly comparable but even then, Apple isn't then buying MS Office from Microsoft, Apple users are buying Office from Microsoft. Entering into partnerships to defend an industry is one thing. Funding a company to directly buy your product is circular financing when the hype and major funding for these companies is the company selling the product these companies buy. The AI companies that Nvidia funds don't sell GPUs to customers, those customers don't buy GPUs to use those AI products, and these companies don't manufacture GPUs for Nvidia. If anything, it's the opposite because this entire scheme has made GPUs prohibitively expensive for the end user by artificially increasing demand.

moorhound

>House Speaker Johnson Says Trump Will Convene With AI Executives This Week Or Next >'Trump privately met with Open AI’s Sam Altman at GOP convention' - MS NOW Pulling out all of the stops to keep this turd floating

JettyJoe

Trump Privately Met With OpenAI’s Sam Altman At GOP convention – MS Now

likamuka

On this day, 42 years ago (i.e., in 2000), Windows Millenium Edition, the last Windows version of the MS-DOS-based Windows 9x operating system series and the consumer counterpart of NT-based Windows 2000, was released.

PurpleManner5207

Palantir, Nebius (basically also a software firm - making crazy value and revenue; they just have optimized for shopify an open model to be better than sol 5.6 for their needs and run it super cheaply ont heir systems ... shopify making also huge amounts); Nu Bank with crazy margins and growth, SoFi, And of course Google, Meta, MS also statiting their AI optimized revenue is getting crazy

PewPewPew48

If you believe this complete moron about the war will be over after the November elections and he will give everyone $5k if the republicans win and stay in power…. YOU ARE A COMPLETE IDIOT AND YOU SHOULDN’T BE VOTING IN OUR ELECTIONS!!! THIS MEAN MS THAT YOU AR JUST AS UNQUALIFIED AND INCOMPETENT TO VOTE AS TRUMP IS UNQUALIFIED ANS INCOMPETENT TO BE PRESIDENT. PERIOD.

throwaway110c

MS in Accounting. CPA.

SuspiciousStress1

If you must know, it was a bit after 5am & I woke up a bit early with pain(MS), couldnt fall back to sleep, & didnt want to wake the kids by roaming the house 🤣 so quiet with reddit it was. However my point stands. People can source their food however they choose & i dont want to hear the excuses, we sourced humane in 6 states, living in a house, apartment, & even an rv-for a family of 7. So if people are not paying a surcharge now & complaining about grocery prices, you think they would be willing to pay even more??? I personally think most people need to reorder their priorities, but noone asked me 🤷‍♀️

nanoH2O

An MS is just what you get when you can’t hack a PhD - sorry. I work at a top 15 and it’s heavily encouraged. So maybe tell your bottom barrel university to catch up.

CandleOwn2307

bout time someone posted a map that isn't just lines on MS paint, even if the facecam guy looks like he just saw a ghost

JuanPabloElTres

Which MS preferred?

DontForgetTheDivy

I bought some from MS today and will build it up tomorrow if CPI comes in hot.

Pretty-Statement6758

do u realize anthropic and openai work on MS office software such as Excel? and use Cloud computing such as Azure?

Macktologist

I’ve recently looked into where to park money with little to no risk and found the option for a broker held money market savings in lieu of a bank HYSA. Slightly higher interest, and no state income tax on the interest earned. Main difference is how they are backed. HYSA by FDIC and the broker account by federal government. Not sure how those differ and still deciding. I’m currently considering VUSXX instead of Capital One Performance Savings. Another positive is having the money more directly available to sweep to my cash fund with MS/Etrade should I be buying positions. OP may also want to look into this option. I think the minimum deposit is $3k.

ScheduleSame258

Thats been the case for the last 5 decades - Boeing, GE, GM, Ford, GS, MS, JPMC, BoA. These are all too big to fail

Maakus

Announcements don't prove much other than experimental capex. If there is a product that actually gets released and customers buy the thing, then ofc it'll skyrocket. That all said I look forward to Qualcomms offerings, they've improved desktop ARM Windows performance significantly over the past year with MS. It shows they are willing to improve on a novel capex commitment.

Jerhed89

Pretty sure they put \~17% of revenue into R&D, so I think it’s fair to take current profitability with a grain of salt given they’re also growing revenue 74% YoY. Their TAM is huge and Oura already dominates smart rings. Their biggest direct competitors are Samsung, Ultrahuman, and RingConn, and IMO Samsung is the only one currently positioned to be a serious alternative. I also think comparing Oura directly to Apple Watch, Whoop, Fitbit, etc. misses the use case. For many people it’s complementary, e.g. for sleep/recovery tracking or environments where you’d rather wear a Rolex than an Apple Watch. The Robinhood board relationship is a fair red flag, though GS and MS are leading the offering (Robinhood already has an investment/board relationship with Oura so this may be less suspicious than it appears). The biggest question isn’t whether Oura is a good company. It’s what valuation we’re being asked to pay at IPO.

Chrg88

Oxford, MS would wipe the floor w/ Canada

BenderRodriquez

Yes, Skype was integrated in MS Lync before they rebranded to Skype for business. Nevertheless, Teams still use many legacy components from Skype under the hood. It was not developed from scratch.

PyloPower

I grew up with MSN and kept using it until it was force-updated into skype (I hated the look & feel of skype and chatting on msn with friends kinda died). From my memory, MSN and Skype co-existed for quite some time when MS owned skype.

AverageNo130

Federal researchers have developed a rapid screening method capable of detecting 108 of 113 pesticides tested on marijuana plant material, potentially providing a faster way to identify contaminated samples before more extensive laboratory analysis. Researchers said the study appears to be the first to use DART-MS for multiresidue pesticide detection on marijuana plant material. They added that incorporating a quantitative component into the technique in the future appears feasible. MH

liquidpele

Atlassian would be the obvious one to me, they don’t have that tech in their suite after abandoning hipchat.   Other options like MS and salesforce already have competitors now.   

softDisk-60

SaaS will never rebound. It's going to be easier to hire someone to vibecode a custom in-house solution than going back there again. Also, AI companies will aggressively pursue this "Saas-Maker" market. Like MS Access was before the internet. It is easy and very profitable, and if they fail in their other endeavours, this will be their hedge.

SideInitial3961

AGI is sentient AI basically. We have never been further from it. Today we understand the economic and technical realities far exceed anything possible in the lifespan of OpenAI and that this company is soon to be gone. (absorbed by MS, etc.) Current models are nerfed as fuck. Impossible to get any real work done anymore unless you spend a fortune absorbing the time suck. Anyone who tells you otherwise is full of shit. Source, me who worked 100 hour weeks all month in AI production.

Super-Activity-4675

I have an MS in applied stats... couple of engineering degrees too. I work in tech, including big tech, and I know what working with machines looks like. Time Series Analysis does not equal intelligence. It's abstract algebra. Yes, it matters. One calculates what the model says you want. One makes decisions based on reasoning of things not mathematically qantified. Machine learning 2.0 is not AI, no matter what marketing people say. It's window dressing. It does not think, which is the point I was replying to that you apparently missed. As for value, yes, it's there. But not in the numbers that justify the spend. It's not logical. It's a better guesser, but it doesn't use logic to guess. There are domain specific uses, especially where they can be run locally, but the "I" is still missing.

Minnesotamad12

What the red MS paint looking lines around her ass

Ok-Comfortable-3174

Obviously I'm talking about apple MS NVDIA etc. not momentum trades like Ai infrastructure ect

KinokoKatto

Transitioning from FICO→VantageScore reminds me of when Moneyline switched the data source for Telerate Page 500—where everyone got U.S. Treasury bond pricing from 1970s through 2000s—from Cantor Fitzgerald to BrokerTec in October 2001. This was a thunderclap in the government bond trading world. Cantor had a decades-long exclusive with Telerate for U.S. Treasury bond pricing, but on 9/11 they lost their entire voice broking division and struggled to shift customers to eSpeed. Moneyline-Telerate decided to switch Page 500 to BrokerTec, an electronic bond pricing + trading platform created by the largest dealers (Citi, CSFB, Deutsche, GS, Lehman, Merrill, MS). BrokerTec went on to dominate bond trading.

Strong-Room-9244

I have to say the evidence for mean reversion strategies for value investing don't seem to be valid in the past decades. This prof has highlighted it, based on Ken French's (Nobel Laurette) data going back 100 years. There were periods where by mean reversion strategies paid off. [https://youtu.be/R1U3\_7fmdqk?t=2253&si=zNTo7uWbIY8MS-tc](https://youtu.be/R1U3_7fmdqk?t=2253&si=zNTo7uWbIY8MS-tc)

fuentescoffee

Worth flagging for anyone reading this as one more store on the pile: Georgia stopped being the market most people still have in their heads about ten weeks ago. SB 220 took effect July 1. The 5% THC cap is gone, replaced by a 12,000mg cumulative possession ceiling, and flower and vaporizers are on the menu for patients 21+ — smoking botanical cannabis is still not permitted, so inhalation is vape-only. Qualifying conditions widened at the same time: lupus, HIV and IBD added, and the "end-stage" limiter stripped from cancer, MS and Parkinson's. That last one is the change most likely to actually move the registry. So a Georgia store opened this month isn't comparable to one opened last year — different basket, different eligible pool. The number I'd want here is same-store growth at the existing Georgia locations since July 1, not the footprint count. One thing that cuts against footprint framing generally: post-rescheduling, licensed independent pharmacies with DEA registration can dispense in Georgia, and Trulieve said on July 1 it was already supplying a dozen-plus. If that channel scales, owned stores stop being a clean proxy for Georgia share.

hamsterkill

Few users liked that MS bought Github. It drove significant user growth for GitLab and Codeberg when it happened.

palindromic

Tesla feeling like that giant dump MS took a few months back..

Paul_Robert_

Me: why is MS Teams so dogshit? Webex: hold my bear 💀

alex_co

Of course. Never said it was risk free. But you are then able to use that money to sell CSPs if you wish to get them back. If you end up with shares, you sell calls again. Rinse and repeat. Or you roll the calls to avoid assignment and the tax burden on the sale. The biggest risk is the stock completely crashing out of nowhere, but if you sell at conservative strikes and set stop losses, you can reduce that risk a lot as long as you are playing with high liquidity, which MS is. OP is now going to be hit with a huge tax bill whereas they could have generated steady income from premium if they would have strategically planned it out. But honestly kudos to OP, regardless of what they could have done, they did what most people in this sub can't do - make money.

alex_co

Not necessarily. Yes the value of the shares would drop, but they could just keep selling calls every week. This isn’t a bad scenario (aside from a complete crash) because then you never actually lose the shares and can collect premium every week pretty reliably. Yes there are risks, but it’s safer to run options on mega companies like MS because they are almost certain to go up in the long run. If you’re ready to retire, selling might be more attractive. If you’re younger, collecting premium to live off of and reinvest might be better. Just depends on what your personal risk tolerance is.

Toothlesskinch

MS and GS are running the Anthropic IPO. Both ran the SpaceX IPO as well. Both popped 10% in the two weeks following that IPO. Safest play out there.

Astronaut100

According to Morgan Stanley, GCP alone could hit $308 billion in revenue and $132 billion in operating profit by 2028. If that happens, GOOG will likely cross $800 billion in revenues and around $300 billion in operating profit. This is a $10+ trillion company soon if MS is correct.

Fluid_Trash3363

You’re gonna bet against Hok Tan?!?! Actually. Literally one of the easiest plays. The Google TPU story was refuted as overblown beyond belief by MS and every analyst and AVGO is at a multi month support level.

haze_from_deadlock

and by "become a proper software engineer" this user means "get one of those crappy online MS CS degrees from a once-reputable university that has pivoted to cheap cash-grab online degrees, followed by faking 5 YoE on your LinkedIn because who is checking anyway

germantutorwant

I'm actually feeling nice so I'll give you some much needed education. Berkshire are value investors with a 20+ time horizon, they explicitly avoid speculative tech like AI. Comparing your 1-2 year results (your original comment) versus their 20-year view where they are specifically AVOIDING AI is downright retarded and you should feel retarded, which I can tell you do because your instinct was to get defensive and block and then brag about your portfolio. Anyway since we want to flex random achievements, I'm 28 and am nearing $1M and lets be real, I can invest no more money and achieve 8 figures by the time I'm your age grandpa. We both know we'd rather have what I have now and be young. I also had a 4.0 at an ivy and worked in GS/MS's top investment banking group, so I understand how these firms work. Unlike you my achievements can't be met by putting $20k in a 401k for 40 years and waiting like you did. Sorry I made you realize you aren't as smart as you think.

Kingmusk420

BEARS R SO FUKED. JUST LIKE YOUR LOVE MS.HARRIS. LMAOOOOOO. Failure

crimeo

Your link is not to a database. Try again. Some organization claiming based on "just trust me bro" and no actual database, only an overall "result," that numbers are wrong id utterly useless. I could graph that myself out of thin air in 10 minutes on MS Excel. The difference for prices and CPI is that, **if you have a d.a.a.t.a.b.a.s.e.**, then anyone can (unlike the jobs ecample) go and check specific prices in the database against their local prices, and you could then confirm as an average person if the data is accurate or not. Then if it was, you could calculate the result yourself from the verified database in whatever way you think is fair. Just giving an "answer" and skipping all that is ridiculous. Especially when you aren't even referring to the correct topic. You claimed organizations were tracking PRICES. With databases. * Were you lying when you said that? * Or do you have links to PRICE (not job) databases, like you claimed? Pick one: liar, or link.

PLEASE_PUNCH_MY_FACE

MS paint.

AMadWalrus

Hehe I know you’re kidding but I worked at GS/MS investment banking ;)

AllCapNoBrake

The last time the 50/200 MS crossed back in November, BTC shidid on itself. It's about to happen again in a couple of days https://preview.redd.it/8x9gcbjp23mh1.png?width=975&format=png&auto=webp&s=c8fd3c78162c1cfd13c4c95a36b25a938118a086

imustbegthequestion

It's a shame the world has distilled to you're easiest either fabii frankish, gaulish, Indian, nubian, phoneician, eurasian, finish, Dutch, AeNGLiSH, Irish, Calabrian, bandy bantu... Pirate... Cannibal, foreigner, Malagasy. Asian. Marco Polo. CC. CC. c. Ccc.CCC.CSC.SCC.SEC.TSA.SSS.SSG.GS.GM.JPM.GS.MS.WFTFUSB.RYBCD.L.HSBC.UBS.HBI.HBI.HBI.M.M.M. AND ALL OTHER WORKS of Satan. Such a shame. 26,000.0000 years and we're still at step 5. +/- 7,300 years. Til tik tok we only got 60-2000 years to fix the water sanitation crisis. Think quantum arc hydrogen fuel oil Lucid automobile cell.

erichang

That is not always true. Token buyers does not need to make profit for them to continue to buy it. They are the consumers. Does a business make money simply because your office offer AC, MS Office, Coffee machine, or restroom for your employees ?

zero0n3

So? They declare bankruptcy and who do you think gets first dibs at that hardware as a form of payment back? You who invested at IPO or Microsoft Who invested back in the early days? Hint MS gets first crack

DetroitLionsSBChamps

Yup. Companies will continue to pay for it for employees as another cost of business like an MS office subscription 99% of regular consumers will never pay even 1 dollar a month for an LLM

Malvania

Puts on MS

d4shing

If they buy the company, they succeed to its contracts. MS doesn't want another several hundred billion dollars of data center leases and purchase obligations. Maybe they buy it out of bankruptcy in a 363 sale but it would be suicide to acquire without first wiping the liabilities.

hezardastan

Their evaluation is going to be like 1/4 of MS's market cap.

hermanhermanherman

This might be the biggest downplay of all time on this sub lol. Under balmer MS market cap basically was cut in half. Under Satya it’s x12. Only relevant in enterprise is perfectly fine when you grow the enterprise business ten times over lmfao

modder9

“CRWD - you’re too stupid or lazy to use MS native products.”

Organic-Energy7300

Azioni Wide Moat che presentano fondamentali di primissimo ordine per FCF, EBIT Margin e ROIC. 100 azioni per titolo, assegnate in tempi diversi tramite la vendita di opzioni put. Tra dividendi e vendita di covered call, queste posizioni mi generano un discreto rendimento da flusso di cassa: ​Illinois Tool Works(ITW)Industriale; ​AbbVie (ABBV) Pharma; ​Morgan Stanley (MS) Finanza; ​Chevron (CVX) Energia; ​Procter & Gamble (PG) Consumer Staples; ​Waste Management (WM) Utilities & Servizi Ambientali.

Appropriate-Alarm-70

Based on current scenario, it appears to have tons of debt. They will be using ATM to dilute equity in case they need money. So it brings down dte ratio but also dilutes. TX data center freeze is actually going to help their balance sheet, though growth may be hurt as they dont need to raise new debt. Cash flows from successful closures would add up going fwd. They are on track to complete MS deal as per timelines. IREN is in a strong position as they are demanding prepayment before signing any new deal. NBIS has better metrics but it is priced to perfection. If IREN can execute for next 1 year as promised, the stock upside will be much higher than any other neo cloud stock.

Several_Vanilla8916

“MS Access 97…but cloud” \-$200B company

Your_brain_smooth

I've been hearing lots of cope about IREN since new year and they still have nothing to offer except that MS deal they finished building.

UpbeatFix7299

As if "TA" wasn't dumb enough already with people who had heard of tradingview. Now every moron will be drawing squiggles MS Paint style and posting it here.

Geoff_Dawmer

MS punching me in the butt.

boglemydingleregard

I was in a long distance relationship with a gal from MS a few years back. Spent months down there, what an absolute shithole. One of the biggest reasons we ended out breaking up is because it seemed like she was never going to let go of her attachments down there and move somewhere that isn't third world. 🥂

ihopkid

You can click his account or google the name lol he’s a principal technical design manager at Microsoft if he’s actually Greg Bahn. “Focused on AI and advancing the Teams meeting experience” is the description of his job on LinkedIn. So just a teeny tiny bit biased when it comes to AI… knee deep in MS’s trillion dollar AI investment. Certainly living a different reality than most of the world lmao

Olangotang

MS and Amazon literally changed on their reporting that GPUs last from 4 years to 6 years. It is INSANE the amount of leg work you need to do to understand how all the "super smart software companies" are playing a game on the American Public and investors.

nicolas_06

They won't be fired by choosing MS copilot and anyone can choose the model they want. But if the quotas are tights, people will settle for less expensive models including Chinese one included by Microsoft.

Wbcn_1

I have a BS in economics, a MS in finance, am a CFA charter holder, work in banking and I won’t even fuck with options. 

marmarama

My point is that in order to scale at the rate the frontier labs predict, they need to vacuum up AI demand from those "shit jobs" which make up a huge swathe of the corporate world. If they can't vacuum up that demand then they will miss their targets, simple as that. These are huge organizations in well-established industries, often regulated, somewhat resistant to change, and they have mostly been dipping their toes in the water via MS Copilot. They aren't going anywhere and they aren't going to suddenly collapse or be out-competed if they use a slightly slower or lower intelligence model when developing their internal software or for assembling PowerPoints. From experience at the coal face, these orgs are cutting token budgets right now, having found only modest productivity gains and a whole load of process and regulatory headaches. Meanwhile they are starting to self-host open weight models on hyperscaler cloud to meet their internal demand and reduce those headaches. Amazon, Microsoft and Google are going to do well out of this. The productivity gains are modest because in large organizations, most of the work involved in writing an internal application isn't coding: it's moving tickets around, having meetings, answering questions on Teams, and chasing up 20 different requests to other teams and stakeholders who have their own processes and timescales. So we're talking a 50% improvement on maybe 10% of the work. Nothing to sneeze at but 5% isn't exactly earth shattering. So switching to a self-hosted model that maybe only gives a 30% improvement on that 10% isn't exactly a big deal then. Plus much of those productivity gains are offset by slacking off - team members do the same amount of coding work in the same amount of time, they just get the LLM to do most of the heavy work so they can spend more time on Reddit. The productivity story is totally different in small motivated teams or working individually, but that's not the majority of the corporate world.

seinberg

I hear this, but imo don't think it holds. Claude isn't a fashion statement - and the harness can use any model underneath. People use office because msft uses aggressive monopolistic licensing deals for its enterprise software and windows. And MS office market share has steadily dropped as people adopt Google's workspace offerings. Open source offerings are just bad so nobody uses them. Enterprises are much more aggressively cost sensitive when you're talking hundreds of millions or billions of dollars. Consumers might still pay the $20-100/Mo to Anthropic, but enterprises are 100% going to look at alternatives that are an order of magnitude cheaper for the same performance and outcomes.

cc81

MS Office has a pretty good moat though.

EloTime

Smartphones can be much cheaper when they don't come from apple. Still people buy apple. There is libre office, open office and yet MS Office survives. As long as it improves productivity more than it costs people will not test every other model available in order to optimize costs.

PokemanAshy

Think they mean upper middle class, it's a wide range. University costs $20k+/year if you like spending money. There are many good enough local community colleges and public state university's (in-state tuition) that don't cost much if you care about cost. The >$20k price tags also typically include $10-12k of what Europeans would be paying in rent and meals. Example: My AS cost about $9K, my BS cost about $18K (commuted to top 20 public university), and my MS cost $3.5K (employer paid most of it). $28.5K for a Master's in total. Yes, commutes suck, but you're often paid highly for jobs with hour long commutes and many WFH nowadays. There are plenty of local options from farms to buy from, but yes, healthy food is generally more expensive. Most people would take the extra $10-30k (average or $1xx K for higher level positions) for an additional 10 days worked/year. Americans traveling to other states is similar to Europeans traveling intra-Europe. Like skiing? travel to Rockies. Like beaches and amusement parks? Travel to Florida and California. And more Americans travel internationally than Europeans if we compare European countries to US states (ie. actually getting outside the continent). 25-30% of Americans travel internationally to 10-15% of Europeans. Most people I know do 2-3 holidays a year - summer vacation, Christmas vacation into New Years (10 days), and winter/spring vacation. Many people make over $100k/year doing 10-20 hours of work a week. I've had 4 professional jobs and was never expected to work beyond 5pm - though I was always asked to work second shift during summer of college years at local restaurant.

1cl1qp1

Successful AI integration with MS Office would be pretty valuable.

EmergencyFair6786

My BS and MS program 85 was the lowest B possible. And C didn't pass. So that wouldn't work. 

Lonely-Internet-7565

I have puts 1800 only in MS puts bcoz I am poor but I hope it does happen this week

Spac55

Leverage unwind is more painful than anything. Size of AI debt , Too Big to Fail ? At GFC-2008, $AIG Lehman, $BAC $C $MS $GS struggled to survive in 2008. “Situational Awareness “ blow up $45 Billion for leverage. All datacenter on debt load is worse than CDO of CDO Look market cap of semi and many cash burning Zombies or even all semi. $SPY $QQQ $SMH $MU $NVDA https://preview.redd.it/ikjp07kvkuih1.png?width=752&format=png&auto=webp&s=fb5597e1e9465f40af3f2a0fcea2edd0587705e7

Confused_by_La_Vida

The dotcom crash is a great example. If you held Microsoft, through the crash, you’re good now but it took a long time to get back to where you started had you bought it before the crash. And if you had held a diversified portfolio of MS competitors and adjacent hardware/software, the dotcom crash made your permanently said. There may not be an AI crash. I hope there isn’t. But if there is a strong “correction” in that space, the winners will be companies that are now either very obscure or not in existence yet and whose play will be to buy the data centers for Pennie’s on the dollar. And Chinese AI companies + whichever AI companies have managed to so insinuate themselves into the federal surveillance state that they will be bailed out. Maybe that’s all of them?

Mobile-Bar7732

Here's a list of senators that voted against impeachment for jan. 6, none of them were democrats: Lamar Alexander (TN) John Barrasso (WY) Roy Blunt (MO) John Boozman (AR) Mike Braun (IN) Shelley Moore Capito (WV) Tom Cotton (AR) Kevin Cramer (ND) Mike Crapo (ID) Ted Cruz (TX) Steve Daines (MT) Joni Ernst (IA) Deb Fischer (NE) Lindsey Graham (SC) Chuck Grassley (IA) Bill Hagerty (TN) Josh Hawley (MO) John Hoeven (ND) Cindy Hyde-Smith (MS) James Inhofe (OK) Ron Johnson (WI) John Kennedy (LA) James Lankford (OK) Mike Lee (UT) Cynthia Lummis (WY) Roger Marshall (KS) Mitch McConnell (KY) Jerry Moran (KS) Rand Paul (KY) Rob Portman (OH) Jim Risch (ID) Mike Rounds (SD) Marco Rubio (FL) Rick Scott (FL) Tim Scott (SC) Richard Shelby (AL) Dan Sullivan (AK) John Thune (SD) Thom Tillis (NC) Tommy Tuberville (AL) Roger Wicker (MS) Todd Young (IN) John Cornyn (TX)

gotwaffles

I believe etrade gives you unlimited access to Morgan Stanley research (since it's owned by MS) but I'm not sure if there are any account balance thresholds. I don't think there are, but worth checking out if you want access to some investment research.

Trade-Architect

MS with that $300 price target on spacex

bfolksdiddy

Robinhood added 500k new Gold subscriptions last quarter. AI has already made much of MS analysis obsolete. If you’re worried about being a “serious investor”, maybe a motley fool subscription is cheaper? 🤷‍♂️

docminex

Anytime you use a dash in MS Word and press space it turns into an em-dash. This has been standard behaviour of the most popular word processor for at least 20 years. That's why it's so prevalent in all the AI training data. All the random books and college essays the models are trained on have em dashes all throughout.

FakeCatzz

> And now go look how much of the "AI revenue" of MS is just OpenAI. This was touted as some kind of gotcha a week ago as if the market didn't already know that the biggest AI company in the world and Microsoft's biggest AI partner was renting a lot of compute from Microsoft. OpenAI is a company that has a track record to raising unlimited cash from companies that have access to their books. And have you used 5.6 sol? It's insane. Not a persuasive bear case either. > It wouldn't be the first time. How much did Mark spend on the metaverse again? How much did Amazon, Microsoft, Alphabet, Alibaba and Oracle spend on the metaverse? Do you need me to explain the difference between something that nobody uses and AI? > There is also another take of them all doing it. They think they can afford the lost investments if AI ends up not growing and scaling as fast as projections. But they don't think they can afford being one of the losers if it does. To paraphrase: the biggest cashflow generators in the world are so convinced that machine god is just around the corner that they think that not investing in it would be existential. Yes this is the bull case.

ComplexEntertainer13

> MSFT alone is doing around $40bn annually on $260bn of cumulative capex. And now go look how much of the "AI revenue" of MS is just OpenAI.

Flannel_Panels

They have already shoved Copilot into MS Word though. If kids get used to having it readily available while in the same document app I dont see how they will even think about using a secondary app for the same use.

nevyn

> so that kids grow up being familiar with it over other AI. Chatbot AI aren't "MS word", there's no UI moat to stop people moving. These are the same geniuses who set fire to billions in the games division, might as well set fire to 100s of billions now they've grown up.