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Stifel Financial Corporation

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Reddit Posts

r/investingSee Post

On what time scale will Waymo's success affect Alphabet's earnings

r/wallstreetbetsSee Post

Food price regulation

r/wallstreetbetsSee Post

Spotted in SF

r/wallstreetbetsSee Post

07 comments by Janet Yellen as president of SF Fed right before the financial crash. Does this sound familiar?

r/stocksSee Post

Grandfather left me a Stock certificate. Need direction.

r/wallstreetbetsSee Post

Cybertruck in the wild

r/smallstreetbetsSee Post

American Battery Materials Acquires Substantial Mining Claims to Increase Domestic Production of Lithium

r/pennystocksSee Post

Bright Mountain Media, Inc’s Wholly Owned Subsidiary, Wild Sky Media, Announces Deal With Taboola.Com Ltd. (TBLA) A Global Leader In Powering Recommendations For The Open Web

r/stocksSee Post

Driverless ride sharing and Tesla

r/wallstreetbetsSee Post

SF Fed baseline forecast suggests that yoy shelter inflation will continue to slow through late 2024 and may even turn negative.

r/optionsSee Post

The Volatility Drain

r/optionsSee Post

Geometric vs Arithmetic Mean In The Wild

r/wallstreetbetsSee Post

Twilio TWLO good to short?

r/investingSee Post

Can’t Afford Home in our Area

r/smallstreetbetsSee Post

The Global Tin Market Supports Positive Price Outlook

r/pennystocksSee Post

The Global Tin Market Supports Positive Price Outlook

r/wallstreetbetsSee Post

Let’s go Ccl to 35$ help me afford an SF tent

r/stocksSee Post

Paramount Group REIT (PGRE) Thoughts??? Work from home and high-interest rates effects

r/wallstreetbetsSee Post

$ZM calls cannot go tits up

r/wallstreetbetsSee Post

Best vehicle for shorting SF commercial real-estate?

r/wallstreetbetsSee Post

SF police have arrested a fellow technology executive and associate of Bob Lee in connection with the April 4 stabbing of the CasApp founder

r/investingSee Post

How to manage your 401k? I needed some diversification tips.

r/wallstreetbetsSee Post

SF commercial real estate: Office vacancy 28% (CBRE). Rents have fallen 15% (JLL)

r/wallstreetbetsSee Post

BlackStone's Woes and the upcoming CRE issues

r/wallstreetbetsSee Post

What is About to Happen

r/WallStreetbetsELITESee Post

SF Fed's Daly backs more tightening; too early to discuss March meeting specifics

r/WallStreetbetsELITESee Post

Fed needs to tighten more as disinflation is far from certain, SF Fed's Daly says

r/wallstreetbetsSee Post

Office Real Estate BK’s

r/stocksSee Post

Is QQQ a better investment than SF Bay Area SFHs?

r/investingSee Post

What’s the better investment play: real estate or stock market

r/optionsSee Post

Looking for Tax accountant in SF BayArea or remote in US who has experience with options, LEAPS

r/wallstreetbetsSee Post

It takes longer than you think, why the market won't bottom until Q1 2025

r/wallstreetbetsSee Post

Stifel Financial Q4 earnings miss reflects wretched Institutional Group results (NYSE:SF)

r/WallStreetbetsELITESee Post

Stifel Financial Q4 earnings miss reflects wretched Institutional Group results (NYSE:SF)

r/weedstocksSee Post

$100K of goods stolen from SF dispensary; video shows ‘professional criminals’ breaking in

r/wallstreetbetsSee Post

Commercial Real Estate Play

r/pennystocksSee Post

Ferrari is celebrating 2023 with a NFT Giveaway of 900 NFTs with the release of the new Ferrari SF90 Model.

r/wallstreetbetsSee Post

Looking for not-investment-advice for van-liver in SF and 200k a year tech job

r/wallstreetbetsSee Post

Would you trade real estate derivatives if you could?

r/investingSee Post

Unpopular Opinion: Owning your home not necessary a better financial decision than renting a similar property.

r/WallStreetbetsELITESee Post

$IOT Samsara play

r/wallstreetbetsSee Post

Paycom Software Calls $PAYC - NOV.1 Earnings Call

r/pennystocksSee Post

The Very Good Food Company (NASDAQ: VGFC) (TSXV: VERY) (FSE: OSI) To Present At Two Conferences

r/ShortsqueezeSee Post

Just here to say that saw someone post about $BDSX and i’m glad he did.

r/SPACsSee Post

Deal Announcement at TechCrunch Disrupt for OnlyFans? $VYGG is Team is Heavy SF and TC Audience.

r/wallstreetbetsSee Post

Alright which of you dudes did I spot driving in SF this weekend?

r/wallstreetbetsSee Post

Alright which of you dudes did I spot driving in SF this weekend?

r/investingSee Post

Uncertain whether to hold cash or invest?

r/WallStreetbetsELITESee Post

Toys R Us will return to downtown SF — inside the Union Square Macy’s

r/wallstreetbetsSee Post

2022 BEST PLAYS. FROM QQQ CALLS TO P*RN

r/investingSee Post

Is Commercial Real Estate a Systemic Risk?

r/wallstreetbetsSee Post

anyone know a REIT that has heavy exposure to SF commercial real estate?

r/pennystocksSee Post

DD: Stock Analysis: Vivakor (NASDAQ: $VIVK)

r/wallstreetbetsSee Post

Short Term Housing Crash and the Human Response

r/wallstreetbetsSee Post

Help a poor bro who has 5000 PUT on a bankrupting company

r/wallstreetbetsSee Post

Quick Macro Overview - the Fed is Lying to You

r/wallstreetbetsSee Post

CGR Issues Report on Best Bets for Sports Gambling Boom ($DKNG, $WNRS, $PENN, $CZR, $MGM) - Digital Journal

r/wallstreetbetsSee Post

CGR Issues Report on Best Bets for Sports Gambling Boom ($DKNG, $WNRS, $PENN, $CZR, $MGM) - Digital Journal

r/wallstreetbetsSee Post

CGR Issues Report on Best Bets for Sports Gambling Boom ($DKNG, $WNRS, $PENN, $CZR, $MGM) - Digital Journal

r/SPACsSee Post

I scraped r/SPACs for the top ticker mentions in the last 24H. Here are the results (Saturday April 02, 2022)

r/wallstreetbetsSee Post

The Playlist for Rocket Ape the Movie.

r/wallstreetbetsSee Post

Rocket Ape-A WSB Movie. The Playlist.

r/wallstreetbetsSee Post

Rocket Ape-A r/WSB Movie; The Playlist

r/ShortsqueezeSee Post

Keep eyes on $MULN this week

r/wallstreetbetsSee Post

We the people and fate and fate as we know it

r/wallstreetbetsSee Post

We the people would like to be free. The fate as we know it

r/wallstreetbetsSee Post

China Oct smartphone shipments up 30.6% y/y, likely driven by iPhone

r/wallstreetbetsSee Post

China Oct smartphone shipments up 30.6% y/y, likely driven by iPhone

r/wallstreetbetsSee Post

Market Perspective: Recent Trends & Thoughts for the End of Year

r/wallstreetbetsSee Post

Market Perspective: Recent Trends & Thoughts for the End of Year

r/wallstreetbetsSee Post

Why Peter Szulczewski & ContextLogic Inc. Team Will Be Able To Execute (Why I'm Bullish On CONTEXT LOGIC)

r/wallstreetbetsSee Post

Why Peter Szulczewski & ContextLogic Inc. Team Will Be Able To Execute (Why I'm Bullish On CONTEXT LOGIC)

r/wallstreetbetsSee Post

Why Peter Szulczewski & ContextLogic Inc. Team Will Be Able To Execute (Why I'm Bullish On CONTEXT LOGIC)

r/wallstreetbetsSee Post

GanjaBerry bullcase, GLASF & GHBWF

r/wallstreetbetsSee Post

PRTA Stock (Prothena Biotech) set to make double digit % gains!

r/StockMarketSee Post

Here's Your Daily Market Brief For October 28th

r/stocksSee Post

INTC down 12% today. No new information. GPU release date is still Q1 2022. IF successful the P/E much better than Nvidia/AMD

r/weedstocksSee Post

Major Illegal Marijuana Grow Bust In Alameda County; 100,000 Plants, $10 Million In Cash Seized

r/wallstreetbetsSee Post

How Zillow, Redfin and Opendoor manipulate the single family residential/house market

r/pennystocksSee Post

SG Blocks ($SGBX), no short squeeze, just a MASSIVE undervalued company trading at ~0.75x its 2021 forecasted revenue

r/wallstreetbetsSee Post

Why it may be time for an SDC bed shitter (the good kind)

r/wallstreetbetsSee Post

Why it may be time for an SDC bed shitter (the good kind)

r/wallstreetbetsSee Post

Why it may be time for SDC to have a bedshitter week or so (the good kind)

r/wallstreetbetsSee Post

A Long Term Hold in IronNet? $IRNT

r/wallstreetbetsSee Post

IRNT Stock Running In Pre Market

r/wallstreetbetsSee Post

IRNT Gamma Squeeze Set Up

r/SPACsSee Post

Update: $IRNT imminent gamma squeeze

r/investingSee Post

Best ETF to park 10% of downpayment?

r/StockMarketSee Post

$IRNT: Gamma Squeeze Has Happened, Tuesday will be explosive

r/wallstreetbetsSee Post

IronNet Cyber Security Gamma Squeeze Set Up

r/wallstreetbetsSee Post

IRNT Gamma Squeeze Set Up

r/wallstreetbetsSee Post

$IRNT - IronNet Cyber Security - an actual gamma squeeze candidate?

r/WallStreetbetsELITESee Post

$IRNT - IronNet Cyber Security, potentially extraordinary market dynamics at play, the hole in the liquidity rulebook, the mother of all gamma squeezes (MOAGS)

r/wallstreetbetsOGsSee Post

$IRNT - IronNet Cyber Security - an actual gamma squeeze candidate?

r/smallstreetbetsSee Post

$IRNT - IronNet Cyber Security, potentially extraordinary market dynamics at play, the hole in the liquidity rulebook

r/wallstreetbetsSee Post

MTN - Vail Resorts + Caldor Fire

r/wallstreetbetsSee Post

Green thumb up on LCID! Jonny Lieberman from Motortrend driven the Lucid Air Dream from LA to SF under one charge and still had more left! His full report tomorrow, August 25th!

r/wallstreetbetsSee Post

Feel good story

r/wallstreetbetsSee Post

$SKLZ. Cathy wood's favorite. 20% SF. Let push it

r/wallstreetbetsSee Post

“If you continue to purchase assets, the reaction primarily is in pricing, not so much in employment,” the Boston Fed president said. “I don't think asset purchases are having the desired impact on really promoting employment.”

Mentions

You obviously live in SF and ggreaey

Mentions:#SF

Their mini task specific LLMs could be game changer Prob what I will end up building with cause genAI is customer facing and all or customers are on SF...

Mentions:#SF

Expected move is calculated based on implied volatility and the remaining days before option expiration. I made some efforts to estimate the total cash value of the options contracts using formulas like these =SUMPRODUCT( ABS(Q2 - SF\_OPTIONS(P1, "calls", "strike", TEXT(Next!$A$1,"YYYY-MM-DD"), "NH")) \* SF\_OPTIONS(P1, "calls", "openInterest", TEXT(Next!$A$1,"YYYY-MM-DD"), "NH") ) + SUMPRODUCT( ABS(SF\_OPTIONS(P1, "puts", "strike", TEXT(Next!$A$1,"YYYY-MM-DD"), "NH") - Q2) \* SF\_OPTIONS(P1, "puts", "openInterest", TEXT(Next!$A$1,"YYYY-MM-DD"), "NH") ) I have no idea if they're accurate at all, but it seems about right.

Mentions:#SF#DD

I admire your tenacity in trying to prove such a pointless point compared to my main comment. Glad you spent time on your Saturday writing that up when I said awhile ago that I don’t care if you retire in Ohio or SF lol.

Mentions:#SF

Sure man. Anybody can squander 7.5 million after taxes if they're stupid. You literally picked one of the most expensive shacks you could find to make your point. Congrats. Nevermind you could by a decent 3 bed two bath like this one in SF: https://www.zillow.com/homedetails/2147-Mason-St-San-Francisco-CA-94133/2142510990_zpid/?utm_campaign=androidappmessage&utm_medium=referral&utm_source=txtshare For 1.5 million. That's a walkable location with lots to do nearby. You don't even need a car, if you don't want one. Then you'd have 6 million in cash, no mortgage, and 240,000 per year at 4% withdraw. That's plenty to live off of, even with 3 kids, you'd be loving a very comfy life. But yeah sure, you can squander if you aren't smart with your money.

Mentions:#SF#CA

Is it true that Jay lives in SF and so is gggg?

Mentions:#SF

In my McKinsey interview, the guy asked me *How many LGBT people in the USA*. I said equal the SF population and passed the interview.

Mentions:#SF

Sure, you wanna live life in quarantine be my guest. You’ll never get sick Until you leave quarantine. Same people who fail to understand this are the land acknowledgment crowd who bitch about plague blankets. Well genius, how do you think that worked? People who were never exposed to a pathogen got wrecked when exposed en masse So your entire strategy is everyone stay in their pods forever? Get fucked. No. You are the rest of the scared fatties can have SF, Seattle etc. The rest of the world is done playing this game.

Mentions:#SF

``` public static void main(String[] args) { String gayOrStraight = Math.random() > 0.5 ? "Gay" : "Very Gay"; System.out.println("I am " + gayOrStraight + " and I live in " + "SF"); } ```

Mentions:#SF

```public static void main(String[] args) { System.out.println("I am gay and I live in SF"); } ```

Mentions:#SF

I am gay and live in SF

Mentions:#SF

How much is it to rent a 2bedroom in SF?

Mentions:#SF

>'Highest concentrations we've ever measured': COVID is teeming in SF wastewater LLY 3000

Mentions:#SF#LLY

Let's all move to Beijing, ditch SF

Mentions:#SF

Some dude in SF driving a 911 GT3 with the plate EXT-LQDY ![img](emote|t5_2th52|4271)![img](emote|t5_2th52|4271)

Mentions:#SF#GT

Can't buy crack and Mad Dog with leftover avocado toast. Unless you're in SF or NY. 

Mentions:#SF

Siri went from telling you what the weather is like to telling you what the weather is like in SF, ehhh, LA and then copy paste notes to email, while OpenAi makes people at work think I’m a decent programmer, wtf Tim Apple

Mentions:#SF

Bigger thing is trump got those tech billionaire donations in SF. Doesn’t need to launder through foreign agents as much anymore .

Mentions:#SF

That’s not the only reason. They also didn’t operate a hub and spoke model, rather a point-to-point system. When that works, it works very well. It also works very well for short-ish legs. Seattle, SF, LA, PHX type journeys. With quicker turn around, having people stay on the plane for connections isn’t as bad as competitors. But it can also get colossally f-ed up. Should it get off schedule, you don’t have the benefit of bringing all planes and crew back to a hub for an easy reset.  They also used to send you free drink coupons on your birthday… not gonna lie, I liked that and it helped me buy a ticket as customer. I was a big fan of LUV, both as a customer and as an investor, but not any more. 

Mentions:#SF#PHX#LUV

Yep. California. In SF though. Property prices have stalled/declined due to Covid. I believe I pay on a ~1.9M valuation and actual value is 2-2.1M so not a big difference.

Mentions:#SF

I’m paying $1300 for a one bedroom (I split it 50/50 with my gf). Rent is similar and I got in twice a week in downtown SF

Mentions:#SF

If you're making 23k a month I can maybe point you to a studio in SF to live, not a good one though

Mentions:#SF

SF is fun! Castro district is fire

Mentions:#SF

Going to spend the weekend in SF puts on my butthole

Mentions:#SF

Right now Waymo covers 315 sq miles of Phoenix and lot of SF. It's still early, but I still it's awesome that we've that far and should only progress faster. I mean part of the capex in AI spending should in theory help accelerate the learning.

Mentions:#SF

Confirmed by 3 of my friends at different firms in NYC and SF lol

Mentions:#SF

Crypto execs in SF last night consolidating support. Could be some interesting spec plays around late October. Sold all my coinbase a few months ago, but might need to get back in

Mentions:#SF

Glad to see someone else here recognizing the 🌈🧸 thesis in 2024. You forgot to mention: their 35% YOY growth in revenue ($75 million beating estimate of $72.7 million) A net loss of 12.5% compared to the previous year's 58.9% Their EBITDA improving to 41.9% from 39.4% in 2023 $19 million operating income two new services/products (one for roaming and the other for finding your albatross) 13.5 MILLION MAU across 190 countries(!!!) insider ownership of 56% of the company (GOOD LUCK BGE!!!) which is worth $936 million Insiders bought 342.94k shares last year Lease agreements for new offices (13 month lease in SF & a 39 month lease in Chicago for their new main office at 230 W Monroe Street) IT'S PRIDE MONTH!!!!!!!!!!!!!!!! PROBABLY THE MOST IMPORTANT ASPECT OF THIS ENTIRE TRADE! These are all fantastic signs of a business doing what it needs to in order to survive in our reality of flubber. Also, it is very easy to come up with sick slogans for $GRND. Here are some: "Quit goonin and get $GRND ing" "If you don't support the $GRND, you're a \*\*\*\*\*\*\* bigot" "Fuck the bears, be a 🌈🧸 and $GRND all night long" POSITIONS: 1374 shares, 371 June 21 10c, 173 July 19 12.5C https://preview.redd.it/8tfk9391215d1.jpeg?width=796&format=pjpg&auto=webp&s=6aeaa0ab8c665c3286d0901dd4f8da2b4d7be782

Mentions:#SF#GRND

Idk we’ve got $900K/1M in cash/investments, and house is worth $800-900K. I’m targeting $4-5M in investments/cash for retirement. Eventually we could downsize our house (4BR/3BA SF Bay Area), but who knows. Mother in law and two kids live here now. Will be pretty big once they’re gone.

Mentions:#BR#BA#SF

People seem to forget we had CHX in Chicago and Pacific Exchange in SF. CME is in Chicago too...

Mentions:#CHX#SF#CME

nah I’m not even thinking about them: bezos, musk, gates. theyre all batshit. the landed gentry are the employees cashing out millions per year with no license or certificate. behind the scenes of Musk’s regarded Twitter purchase for $40bn was all the employees getting their shares bought up instantly. A $40bn cash infusion into the SF Bay Area. All the RSUs vested immediately. the Nvidia software engineers printing $8mn left and right from their RSUs mooning the OpenAI software engineers getting PPUs of $1.3mn and more and more companies joining the ranks these are the ones pooling capital and doing it all over again making the best, most modern, and lucrative work environments, that actually keep up with the standard of living. without the licensing and geographic restrictions that lawyers and medical professionals have, let alone in a normal 40 hour week or less. a population I want to be doing it

Mentions:#SF

Can confirm. Lived in SF for 13 years and I think I wore shorts for a total of 3 times.

Mentions:#SF

34. 105k in brokerage. Work in IT in SF making 130k. Only debt is the remaining 20k on my car at 3%. Didn’t go to college. Worked at the Apple Store for a 5 years which provided rsu and stock purchasing. Also received a gift from family for the purpose of long term saving. Have you checked the new loan forgiveness program?

Mentions:#SF

This is like that meme about sending an associate to walk the parks in SF, Austin and NYC and shorting companies whose employees are sunbathing at 2 pm on Tuesday. Could be dumb but could be genius.

Mentions:#SF

> 400k/year means you can get a 10k mortgage the only way getting a mortgage would be preferable over buying a house would be if you are confident that you can consistently earn more than the mortgage rate with your investment. this can be done but it would be risky. if you are retiring your time taking financial risks should be over outside of some slot machines and blackjack. and i think you are underestimating how quickly expenses stack up. not to mention maintaining a good emergency fund for when things go wrong. like i said before, you could buy a comfortable house in San Francisco and for the same price elsewhere you can buy a castle on the water. in SF you could buy a nice meal for $100 and in other places $100 can buy dinner for two at a much nicer restaurant. in SF you could easily spend $10M before your time is up if you aren't careful. Living in other places it would be a bigger concern figuring out who you are going to leave your left over fat stacks when you die. comfortable means you still have to pay attention to your spending if you want to avoid going broken. living in luxury means you will only go broke if you spend money like an idiot.

Mentions:#SF

Similar to what u/LoriLeadfoot said, this is also cultural. I may get downvoted, but Americans simply have an excessive appetite for space - whether it's needed or not - that probably began during the post-war expansion from city centers when the government subsidized suburban development and facilitated favorable financing, particularly for veterans. After the war, millions of American families were incentivized to enjoy new homes in newly created suburban neighborhoods. Space was cheap and abundant. That mindset has now been a key part of American life for several generations. I am from Texas, where I live now. Almost any discussion of residential values focuses not on location, amenities, or quality (appliances, finishes, materials, etc.) but on how much space can be bought for a price. "$700K gets you 3,600 SF in Houston but *only* 2,000 SF in Austin? That's crazy!" ... I believe many people would be happier thinking about value in other terms beyond space - say, sacrificing that fourth bedroom for better construction or premium finishes - but that would contradict a deeply entrenched, multi-generational way of thinking about real estate in the U.S.

Mentions:#SF

It's weird to watch it change in real time. Columbus used to have a fantastic value, but the specter of Intel building their foundry here has made home prices explode in the last 5 years. People are bidding 50k over asking price and paying 300k for little shacks in not that great parts of town. I used to think home ownership would be a slam dunk for me, now it makes zero financial sense to not keep renting. I can't imagine what it's like in NY and San Francisco. I got a friend in SF splitting 5k in rent for a shitty 3BR in the worst part of the city, and he said that was the best he could do because ownership basically started at a million. Despite whatever metric middle America Kentucky and Mississippi are helping weigh down, it's a real problem in most major cities.

Mentions:#SF#BR

Tons of crms in SF are using zoho, sugar crm, or hubspot. My team is using sugar crm. It's much better, less confusing

Mentions:#SF

People in the US complain because they have *no idea* how good they have it. Very few people travel for a first world country. Sure lots of people have it rough in hcol areas like LA, NY and SF, but the truth is that most Americans haven’t ever faced real adversity and don’t really understand how comparatively wealthy they are. I used to lead trips with college students to Asia and South America, and let me tell you the realizations were intense…

Mentions:#SF

Im a daily SF user and like it. Not sure why people bitch about it

Mentions:#SF

So here’s the quick breakdown for the uneducated on why CRM is dead money. “But my company uses SF” I’m sure it does bozo. - slowing rev growth, 10% yoy? No fucking way for its valuation and multiples - oversaturated in its core enterprise segment, folks who are prospects are already signed onboard, limited growth on core but they can’t seem to attach their other saas products on consistently as part of their suite offering - share based comps diluting the shit out of shareholders - Benioff not focusing on core business, dude is sidetracked and galavanting. His company wide conference calls are a fucking mess (cited from a friend in CRM) This is dead money until the multiples compress further and the fundamental revenue growth story returns. They better have amazing add-on offers for the rest of their suite and see pay off from their acquisitions such as SLACK (bailed me out of position for a cool +$20k, thanks Benioff)

Mentions:#CRM#SF

We have so many custom systems that SF just can’t integrate with. It was easier to go custom everything

Mentions:#SF

Everyone hates SFDC though. My company is creating an in house CRM to replace SF

Mentions:#CRM#SF

It's an interesting space because yes they may have had that first mover advantage but also at the same time you can only grow so much until you set the standard to commoditize it. Now you're competing with disruptors who can compete on price and service effectively. If you look on the r/Sales subreddit, the top post is how the salespeople at SF are quaking. I will probably eat my words but it sounds like people aren't too satisfied with Salesforce to lock them in for good. A lot of enterprise companies spend years with a platform before getting to a certain point of "ya know what we will slowly transition off of it and save $Xx". It looks like it's just not gonna be as "sticky" as something like Microsoft 365, Google, or Oracle.

Mentions:#SF

let’s all gather outside the salesforce building and force them to declare bankruptcy, can’t let this failure spread its disease to the rest of the companies in SF ![img](emote|t5_2th52|4640)

Mentions:#SF

Salesforce invented the CRM industry and still retains significant first mover advantage in a 91 billion dollar industry that's expected to triple in the next 10 years. Sure, there's a ton of competition in that space but integration and total scope of product at SF is pretty extensive (and ultimately difficult to port) so they retain customers pretty well. They numbers don't show the explosive growth the street wants so it took a big hit. But I don't think anyone who understands their business should be surprised by their performance

Mentions:#CRM#SF

I work in the SF field and it's sad to say, but it is the best the market has at the enterprise level. When you get to a certain scale of business, there really just aren't other options except some of the ERP add-ons like Dynamics CRM which is a dumpster fire. Newer CRMs just struggle to do what medium and large corporations need (MondayCRM is a good example). Most companies that hate Salesforce had a bad implementation or have bad change management practices or both. That all being said though, I am not a blind follower of SF. There are often better cheaper options for small and many mid-size businesses. Salesforce is sold as if it can do anything, and with enough money anything can be implemented, but bad business processes will still be bad business processes even if you spend millions automating them. And like many other enterprise software companies, they will raise prices on you once things are implemented because you're "locked in" and the sales people will make unrealistic promises and will evade addressing the support an implementation really needs to function properly.

Mentions:#SF#CRM

Yeah, the SF bad people in this thread have no clue of the back end of it. It can be amazing if it's implemented right and is malleable to the business requirements

Mentions:#SF

In SF bay, polestars are everywhere. I probably see 3-5 every morning commute (from East Bay to SF). Could just be a consequence of all the techies here, but it's the main reason I think the company is attractive. For comparison, I see maybe 1 lucid per week.

Mentions:#SF

They cited lack of voluntary attrition as one of impacts on costs / margins. RTO was a non factor and if anything SF was banking on it making people quit, which it did not.

Mentions:#RTO#SF
r/stocksSee Comment

Just my 2 cents.... Salesforce bread and butter is their CRM. Then they have an entire ecosystem around this, CPQ, SF Billing, Marketing, Einstein AI, etc. Like all SaaS companies, they make money through the licensing of their product through a monthly user fee. Using each product has an accretive cost to it. Example (I got these #’s off their website) * Salesforce CRM - $185 per user/month * Salesforce Einstein Copilot- $75 per user/month Anyways, to implement Salesforce you first need to sell this to big companies. These sales cycles are long, they drag on for months if not a year+. Then after you sell it, you need to implement this, which takes another year or so, depending on how complex the implementation is. SF typically doesn’t do its own implementation, these are done by 3^(rd) party IT consulting firms like Accenture, Deloitte etc. So, SF doesn’t see much revenue through this, unless they do their own professional service. Einstein AI has been out there for 10 or so years, and been a dud. It’s like Siri, Alexa, Bixby.  What do people call Alexa? The most expensive alarm clock or something. Einstein Copilot just released in Feb of this year, which is their updated LLM. These are being pushed to existing SF client base. Einstein does all that stuff, write emails to potential clients and bunch of other stuff like ChatGPT. Salesforce stock has been pumped to the tits due to all the AI hype. On top of that NVDA did its thing, so people have high expectations for these SaaS companies that say AI every other word. Stock holders are expecting returns from the companies AI investments. They want to see it now, and not years down the line. Companies that license SF, need to decide if they want to shell out the extra $75 user/month for Einstein Copilot, to have it write an email for you. Do you think these companies that are on a budget, will all of a sudden shell out this cash for hundreds/thousands of their users to use? On top of that you have competitors like Microsoft Copilot offering this now. This is a new accretive service was just offered in Feb 2024, it would have had almost a negligible impact to their bottom line. However, due to the AI hype, everyone is expecting gangbusters. The stock reacted just like Workday and Intuit and got taken to the woodshed. Anyways this is just my 2 cents of it.

Mentions:#CRM#SF#NVDA

I sold my family's house in SF for 600k profit, so my put money comes from there.

Mentions:#SF

Salesforce is my full time job, I'm very in tune with the industry and product. This earnings release will slightly beat expectations, have unimpressive guidance, and trade sideways. But long term, SF has AI opportunities that no other company on earth has. They just aren't built out yet. Bullish long term.

Mentions:#SF

Genuine question, what exactly about Einstein GPT is unbelievably powerful? The only viable use of GenAI in SF I've seen is Service Cloud GPT.

Mentions:#SF

The Muscovy just have to walk to Ukraine and how has that been going. Thinking that China can take over Taiwan, with 60 miles of water in between is like me thinking I can take a stroll from LA to SF. China also imports 80% of their fuel and inputs for producing food. The US needs to put a couple of destroyers in the Indian ocean and China will be a pre-industrial society in a year.

Mentions:#SF

Those SF are advisors meant for training, not combat. Although they would help defend, 400 guys aren't much of a deterrent. Although they are probably training thousands of ROC SF in our tactics, which could definitely do some damage.

Mentions:#SF

Yeah, for short sales , banks only wanted to do cash offers. I bought what I could with cash I had from selling my stocks and cash reserves. One property I bought was in lieu of buying a 991 911s after getting a bonus , that's why or the longest time I drove crap boxes ... I bought whatever I could. I was never a big spendwr and had a lot of cash reserves tucked away in index funds, stock and short term cash reserves. And it was a decision to move money out of stocks that already had a decent run .... into real estate that cratered . It helped a lot that I didn't spend my money on useless junk for several years so when the opportunity came I was able to make purchases. The unit part is in 2021 I was able to do a $500k cash out refinance on one of the properties at 3% for 30 years fixed. That equity is currently sitting in bank CDs , money market funds, treasuries , and dividend paying stocks and averaging 6% return. I don't need a large return, just enough to beat the bank note for the next 39 years of free cheap loaned money. I was planning to buy more real estate except it's a little frothy right now.. A good portion of my friends made out like bandits here in San Diego. San Diego turns out is also one of the most unaffordable places right now in the US surpassing LA and SF and OC, which though bad news for some, ended up being a lucky sindfsll for those that bought during the downturn. So again , there's always 2 sides to every downturn. To be fair, these opportunities always occur when arguably "dumb money" try to speculate on things they really don't understand and end up losing their shirt. If people who bought their house even in 2006 managed to hold onto it until now, it would be at least 200% gain. But those people took out exotic loans and they couldn't. More recently, look at all the people that bought GME and AMC stock when it shot up only to get utterly screwed when it cratered back down....those bagholders are well screwed.

Scrolling random rabbit hole data. The customs and border patrol offices in SF , POR , SEA recorded like a dozen fentanyl arrests and seizures combined in the month of april. equal to less than an Oz I believe. They made hundreds of Marijuana arrests and seized hundreds of lbs. every other office had hundreds of arrests and hundreds of lbs of fentanyl seized

Mentions:#SF#POR#SEA
r/stocksSee Comment

CoreWeave, LambdaLabs, Voltage Park, TensorDock, SF Computing, RunPod, etc. etc.

Mentions:#SF

This the mentality that will make you a real estate mogul for sure.  You’ll own a nice XL super thick U-Haul box fort with nice ocean views in SF. 

Mentions:#SF

> The overwhelmingly vast amount of people never get close to that amount of income even in HCOL area. You can look at [tech salaries](https://www.levels.fyi/) and see for yourself. Cops in SF start at $120k/yr. What do you think doctors make? Or lawyers? Or people in finance? Who's buying all these $3m houses if $250k/yr is unheard of? If you think $20k/mo is a surprising income, you don't live in a HCOL area of the US.

Mentions:#SF

There are quite a few jobs where you get $200k out of school. Most doctors are making that after their residency. Top lawyers and software engineers get that. I know an petroleum engineer who got $200k out of school. But the claim was that someone in their late 20s was making $21k/mo. And like I said, that's not very uncommon. Go to SF or NY and every other 28 year old is making $150k+. Cops start at $120k here.

Mentions:#SF

I own it. Almost 50% of their mkt cap is cash. All debt is non-recourse to their balance sheet. 3 properties are debt free (2 in NY, 1 in SF). They recently renewed one of their loans at 4.08% interest what looks like a great deal. Management seems to be super conservative, insiders were buying in $4-6 range. If your'e looking at CRE - PGRE and VNO seems to be the most logic choices, PGRE is much cheaper.

Mentions:#SF#PGRE#VNO

If you hold all the houses in NYC you can control the price… if you want rent to be 2k you can… also at those sizes I would want them to stay vacant on 2k because I dun want prices to come down… I also need to show the loans side that I am marketing them at 2k plus… to get the loan approved… look at the empty storefronts in nyc… they sit empty cause the loan structure makes it that I have to rent at x prices… there is a YouTuber rossmen? That goes around nyc and shows the empty storefronts… and their prices and how long they are empty and that before the pandemic… price control apartment owners also tend to hold units off the market since fixing and recouping is so expensive… opportunity cost in the case of two houses sure I would not want to lose money… but there can always been a tenant willing to pay… people need cars… sure maybe not so in major cities like SF and NYC but the rest of USA is huge and without a car your entire day is a commute… plus pandemics didn’t help anyone in this area… people didn’t want shared spaces with strangers that will cough/assault them…

Mentions:#SF

Apparently Waymo is under fire due to some accidents in SF. US safety probe going on 

Mentions:#SF

SF has so many tall skyscrapers makes it hard for the car to receive the cell signal. That's why it just stopped. I don't see how any company can get around that unless they start building out their own network where they can ensure that every inch of the city can get a data signal.

Mentions:#SF

Wait until there's a massive storm with extremely heavy rains. In the SF Bay Area it's hard enough to be a human driving under those conditions let alone an AI. You can't see the fucking road markers, the water will be coming over the camera lenses making it hard for the AI to see, it's a disaster waiting to happen.

Mentions:#SF

Yes but for Waymo to work in SF their engineers had to go street by street and build a model of the city within the vehicle's software. Google and Tesla have entirely different approaches to match their entirely different goals. Google/Waymo are not trying to get a car that can fully self drive around anywhere. They are just making taxis that can fully self drive in manageable pre-selected areas where they can dedicate the resources to building models and the continued resources to keep those models up to date. You can't just plunk a Waymo down in Kansas and have it drive around. The FSD is based on models, not the vehicle. Tesla has totally different goals and is trying to build FSD that will work anywhere, and is more vehicle/sight based. No models needed. Much more difficult. Maybe it will work, maybe it won't. But Waymo and Tesla aren't really competitors and aren't competing for the same market or the same end goal.

Mentions:#SF#FSD

It can do it in SF, not an easy city to drive in. Tesla cant do it anywhere, are they not also capable of mapping streets?

Mentions:#SF

Why did you say SFO if you just meant SF then, and not the airport? Haha

Mentions:#SF

I live in San Francisco, I have heard about them being stuck every once in a while on news but I’ve never seen one instance myself. I’m not saying they never get stuck but I’m sure every time they do, it gets reported in news. I think they now their fleet in SF is over 200 cars and they likely do over 1000 fully autonomous trips a day. How many is Tesla doing? And I’ve personally taken over 50 rides in Waymo in last 2-3 months - not a single glitch.

Mentions:#SF

forget mbz, google's waymo already has lvl 4 on the roads in SF and PHX. coming to LA and Austin soon

Mentions:#SF#PHX

Just got back from SF and there are tons of self-driving taxis but not one was a Tesla.

Mentions:#SF

I'm really not sure about that. Two years ago? Sure. But the man is now toxic to the brand, and especially to the people who would actually buy those cars. Your 35-70-year-old New York/Boston/SF/LA urbanite with a Vassar degree is not interested in watching Musk have pillow fights with "ironic" white supremacists on Twitter.

Mentions:#SF
r/stocksSee Comment

I pulled up next to one in SF 3 weeks ago it had a computer for a steering wheel

Mentions:#SF
r/stocksSee Comment

I promise you that every Waymo you hail has a steering wheel. Any images you might come across are just promotional images. Citation: I rode in like 12 Waymos in SF last week on a business trip, use it in LA currently, and rode in the previous generation Pacifica platform in PHX.

Mentions:#SF#PHX

The algorithm is [building more housing](https://i.imgur.com/TRdrGn1.jpeg) Houston has permitted more housing construction than [the entire state of NY](https://i.imgur.com/ymIkhsf.png). As a result, it has seen a [the largest drop in their homeless population during 2010-2020 of the 11 biggest metros)(https://imgur.com/yr9Fx4V), a period where NYC, SF and LA saw massive increases. The data is clear. There doesn't exist anywhere in the US

Mentions:#SF

Tanning in SF… lol

Mentions:#SF

Of course it’s possible with MANY other ways. You just don’t wanna work hard enough! (Robbing banks, selling drugs, or any number of other simple methods! There’s a local bipper that’s had 6 figure days here in SF lol)

Mentions:#SF

Tanning at 2pm at a park in SF? I'd say the analyst is feeding you lies.

Mentions:#SF

It's always HILARIOUS when people try to put Austin in the same league as SF and NYC. Have they never been to these places?

Mentions:#SF
r/stocksSee Comment

>Needs serious governmental changes to regulation and incentivize first time home buyers and disincentivize multi-home buyers IMO the 'problem' is that the western urban centers (these areas are also over-represented here on Reddit) are basically going through an economic miracle. A metric to look at to see where house prices might go is the ratio of jobs created vs housing built. Healthy is ~1.5 because some people who move for the job are moving into housing that is being vacated by others moving out. Above 2 is a problem. We are at: 4.3 - SF Bay Area, 2.6 - Seattle, 1.9 - NYC. I'm sure that we can go on. Basically, the housing built in these areas would have been OK, or even a lot. But, no one predicted in 2000 that Microsoft, Amazon, Google, and Apple would be employing a million people. If you did and tried to tell developers that they needed to 2x or 3x their housing construction pace you would have been called crazy. Over-leveraged developers is a real danger (just look at China). These manic housing markets have created the opportunity for speculative investment that hasn't helped. But there is a reason that the speculative investors go to these markets and not others. They are a symptom of the problem. Also, western society has become quite accepting of various cultures (this is a very good thing). Previously these kind of booms (auto, textile, etc.) would have resulted in the local labor getting tapped because people didn't/couldn't/didn't know to move to the more prosperous area. But in today's world one can fly to basically anywhere in a day and with a fairly small amount of money.

Mentions:#SF

Well SF does have that one hot day a year doesn’t it?

Mentions:#SF
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