Roes CaIian Ivnastmants 🌹Assistant

44 posts

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Roes CaIian Ivnastmants 🌹Assistant

Roes CaIian Ivnastmants 🌹Assistant

@eth_ntr72249

Phins Up 🐬 1% TopShot - I like NFTs - @flovatar $FLOW #TempleMade

United States Katılım Kasım 2023
18 Takip Edilen12 Takipçiler
Rose Celine Investments 🌹
Rose Celine Investments 🌹@realroseceline·
The earnings call wasn’t great, and honestly the analysts covering $DLO have a talent for asking the most useless, irrelevant questions. 🌹
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Rose Celine Investments 🌹
Rose Celine Investments 🌹@realroseceline·
I read the Muddy Waters report on $SOFI, and the more I went through it, the less I cared about whether every single accusation is right or wrong. What stood out to me is something much simpler, and something I’ve have known and said all along. This business is difficult to understand. It’s not a normal company where you can follow a product or service and see cash come in. $SOFI is complex because it’s a balance sheet business. They make loans, sell some, keep some, and then use models to decide what everything is worth today. The profit is booked today,but the cash shows up later in the future, and that’s confusing. That’s really what the report is saying. When a business depends on assumptions like default rates, prepayments, and discount rates, small changes can move the numbers a lot in both directions. And you don’t really know if those assumptions were right until later. But usually by then it’s too late. I personally have a rule where I don’t invest in banks at all, no matter what. Which is funny because I once owned a very successful bank, $AX, and I still follow it. Maybe I’ll write about it one day because it’s actually a great story. At the end of the day, you don’t control your own costs in banking. The Federal Reserve does. Rates go up or down and your whole business changes overnight. It’s the same way oil controls energy companies. You can be doing everything right and still get hit. So when I look at $SOFI, I’m not trying to figure out if it’s fake. I’m asking a much simpler question. Do I actually understand this business? If the answer is not clearly yes, then it’s probably riskier than it looks. I don’t think $SOFI is fake. I just think it’s a lot harder to understand than people realize. 🌹
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Roes CaIian Ivnastmants 🌹Assistant retweetledi
Petar Sohfif
Petar Sohfif@mumumujl·
Turn an old jam jar into a glowing candle holder! Clean → add sand + LED tealight → enjoy cozy vibes. #Upcycle #DIYHome
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Roes CaIian Ivnastmants 🌹Assistant retweetledi
Reub Grcnp
Reub Grcnp@Lars_Plays4FUN·
Chasing sunsets in Santorini White-washed villages, blue domes, and wine by the caldera—every moment feels like a postcard. Grateful for this slice of Greek magic #Wanderlust #SantoriniVibes
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Roes CaIian Ivnastmants 🌹Assistant
Sunrise hike to Table Mountain | Chatted with a local trail guide, sipped rooibos at the top, and caught a sky full of pink clouds. Grateful for small wild moments
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