2023.03.21 18:43 Economics-Numerous Lauren B 3 Stone Emerald- Details in Comments
![]() | submitted by Economics-Numerous to EngagementRings [link] [comments] |
2023.03.21 18:30 ThePacificLights Sharing my engagement ring stone I cut myself. 6.3mm Moissanite, DEF, in Voltolinis design Fritillaria (modified by me). The perks of being a gem cutter! Ring is too big đ but I'll get resized
![]() | submitted by ThePacificLights to Gemstones [link] [comments] |
2023.03.21 18:19 cbvv1992 đĽ50% Off Code And Clip Coupon â $8.99 Stainless Steel Wedding Engagement 4 Carat Women Ring (6 sizes)
![]() | submitted by cbvv1992 to DealAndSale [link] [comments] |
2023.03.21 17:53 Shephen Engage Character/Unit Discussion: Emblem Roy
Bond Level | Hp | Str | Res |
---|---|---|---|
1 | 5 | 1 | 1 |
2 | 5 | 2 | 1 |
4 | 7 | 2 | 1 |
7 | 7 | 2 | 2 |
9 | 7 | 3 | 2 |
12 | 10 | 3 | 2 |
14 | 10 | 3 | 3 |
16 | 10 | 4 | 3 |
17 | 10 | 5 | 3 |
19 | 10 | 6 | 3 |
Name | Mt | Hit | Crit | Wt | Avoid | Dodge |
---|---|---|---|---|---|---|
Binding | +2 | - | - | +8 | -30 | - |
Name | Bond Level | Weapon Type | Mt | Hit | Crit | Wt | Range | Effects |
---|---|---|---|---|---|---|---|---|
Lancereaver | 1 | Sword | 9 | 80 | 5 | 9 | 1 | Grants advantage vs. lances but disadvantage vs. axes. |
Wyrmslayer | 10 | Sword | 10 | 70 | 0 | 5 | 1 | Effective: Dragon. |
Binding Blade | 15 | Sword | 14 | 95 | 10 | 8 | 1-2 | Grants Def/Res+5. Can strike close or at range. |
Skill Name | Skill Affect | Dragon Bonus | Backup Bonus | Mystic Bonus | Covert Bonus | Cavalry Bonus | Flying Bonus | Armor Bonus | Qi Adept Bonus |
---|---|---|---|---|---|---|---|---|---|
Rise Above | Grants Lvl+5. | Additional Lvl+1. | - | - | - | Mov+1 | - | Max HP+5. | - |
Blazing Lion | Use to attack adjacent foe and an area 3 spaces wide. Target area and the 2 rows beyond it are set on fire. Sword only. | Expands attack area | - | Expands flame area | - | - | - | - | - |
Level | Skill Name | Skill Affect | Skill Type | SP Cost |
---|---|---|---|---|
1/8/13/18 | Hold Out/+/+/+ | If unit had 30%/20%/10%/2 HP or more at start of combat, unit always survives combat with at least 1 HP. | Sync Skill | 2000/3000/4000/5000 |
3 | Advance | Use to move 1 space toward a foe that is 2 spaces away and attack. | Sync Skill | 500 |
1/2/9/14/17/19 | Str +1/2/3/4/5/6 | Grants Str +1/2/3/4/5/6 | Inheritable Skill | 500/1000/3000/4000/5000/6000 |
4/7/9/12/16 | Sword Power 1/2/3/4/5 | Grants Atk+2/4/6/8/10 at a cost of Avo-10 when using a sword | Inheritable Skill | 1000/2000/3000/4000/5000 |
2023.03.21 17:48 CFH016 Vintage ring
![]() | My girlfriend had mentioned to me she wanted a vintage engagement ring. Not just a vintage style, actual vintage. I want to find reputable jewelers to find one so I can be sure of it's authenticity, but not sure where to start. Can you find vintage stuff at all jewelers? I'm located in Canada. submitted by CFH016 to EngagementRings [link] [comments] |
2023.03.21 17:23 shadowkat678 [Online][Roll20][CoC 7e][Sunday 7pm CST][$20/week] Crimson Letters, a 3-5 session Call of Cthulhu mini campaign looking for three to five investigators to solve the case!
We start our story at Arkham Massachusetts, and more specifically at Miskatonic University, where a rather strange death has just occurred. Professor Charles Leiter was found in his office. The official cause of death is a heart attack.Hello, I'm Kat! An experienced Game Master but newer to Call of Cthulhu and looking to dip my toes into the system with a short adventure on Roll20. By my estimate, Crimson Letters will last from three to five sessions depending on how deeply the group...well, investigates!
Yet, the Dean seems to be interested enough in the circumstances, or at least on a project the professor had been working on before he died, that he calls you in at the recommendation of the morgue assistant. You are all connected to an amateur university investigation club, with a bent toward the unexplained. With no one else to turn to and not wanting this to get out to the press and create a potential scandal, Dean Fallon puts you all on the case. Surely nothing can go wrong?
"Kat is very prepared and invested in the lore and story, but remains open to player collaboration and shows interest and engagement with character details across the board. (...) The game world feels dense and alive, with much going on beyond the party's knowledge, and also open to charting our own course. Highly recommended."Nick:
"They put a lot of effort into their story weaving, and the attention to detail really shows. (...) Heavily roleplay focused, these sessions have really made it feel as though we are living, breathing entities in the world, and we are going to shape our story by our own means. It is delightful to have such an open and caring DM who considers everyone in the conversations, and makes sure everyone has a chance to shine."GM Gabe (DnDUnlimited):
"They know what players want/need to hear and how to adjust on the fly to bring the story to life. The best way, I think, to describe their gameplay is IMMERSIVE. They bring you in with amazing hooks and keep you going with plot twists that you never see coming. They are fun and intuitive when it comes to role-playing and always find a way to make, both the storyline and linked NPCs feel real. If it isn't enough that they do all that, they allow for some epic rule of cool moments and know exactly when to apply them and not. "Timothy:
"I've been playing with Kat for years now, first as a fellow player alongside them, then also as a player in games they've run. They never fail to be creative and nuanced, especially when it comes to the dramatic roleplaying side of things. Always a delight to share the table with."Speaking of Startplaying, if you would like to sign up through that site, I upped the price to match StartPlaying's Fees, HOWEVER I am also offering an Early Bird Discount for the first two people who sign up on the site, which would half the price for a session and would have you registered as someone who has officially played with me if you wished to leave me a review on my profile after the game has ended. Let me know and I can send you a link.
2023.03.21 17:18 Acc21w Freya Parker Puts Her Engagement Ring In Her Mouth And Lets Her Fiancďż˝'s Friend Cum Inside - Mofos
![]() | submitted by Acc21w to Bebjuib [link] [comments] |
2023.03.21 17:16 shadowkat678 [Online][CoC 7e][Sunday 7pm CST][$20/week] Crimson Letters, a 3-5 session Call of Cthulhu mini campaign looking for three to five investigators to solve the case!
We start our story at Arkham Massachusetts, and more specifically at Miskatonic University, where a rather strange death has just occurred. Professor Charles Leiter was found in his office. The official cause of death is a heart attack.Hello, I'm Kat! An experienced Game Master but newer to Call of Cthulhu and looking to dip my toes into the system with a short adventure on Roll20. By my estimate, Crimson Letters will last from three to five sessions depending on how deeply the group...well, investigates!
Yet, the Dean seems to be interested enough in the circumstances, or at least on a project the professor had been working on before he died, that he calls you in at the recommendation of the morgue assistant. You are all connected to an amateur university investigation club, with a bent toward the unexplained. With no one else to turn to and not wanting this to get out to the press and create a potential scandal, Dean Fallon puts you all on the case. Surely nothing can go wrong?
"Kat is very prepared and invested in the lore and story, but remains open to player collaboration and shows interest and engagement with character details across the board. (...) The game world feels dense and alive, with much going on beyond the party's knowledge, and also open to charting our own course. Highly recommended."Nick:
"They put a lot of effort into their story weaving, and the attention to detail really shows. (...) Heavily roleplay focused, these sessions have really made it feel as though we are living, breathing entities in the world, and we are going to shape our story by our own means. It is delightful to have such an open and caring DM who considers everyone in the conversations, and makes sure everyone has a chance to shine."GM Gabe (DnDUnlimited):
"They know what players want/need to hear and how to adjust on the fly to bring the story to life. The best way, I think, to describe their gameplay is IMMERSIVE. They bring you in with amazing hooks and keep you going with plot twists that you never see coming. They are fun and intuitive when it comes to role-playing and always find a way to make, both the storyline and linked NPCs feel real. If it isn't enough that they do all that, they allow for some epic rule of cool moments and know exactly when to apply them and not. "Timothy:
"I've been playing with Kat for years now, first as a fellow player alongside them, then also as a player in games they've run. They never fail to be creative and nuanced, especially when it comes to the dramatic roleplaying side of things. Always a delight to share the table with."Speaking of Startplaying, if you would like to sign up through that site, I upped the price to match StartPlaying's Fees, HOWEVER I am also offering an Early Bird Discount for the first two people who sign up on the site, which would half the price for a session and would have you registered as someone who has officially played with me if you wished to leave me a review on my profile after the game has ended. Let me know and I can send you a link.
2023.03.21 17:09 InternationalWash822 Warren Buffett invested in these Fintech Companies - How does SOFI Measure Up?
![]() | The fintech industry has seen one of the most exciting growth trends as it revolutionizes how people access financial services. Right now, there are over 30,000 fintech startups and by the end of 2021, fintech investment reached a total of $210 billion. The fintech sphere is only expected to grow, so I believe it is a very attractive industry for investors and Warren Buffet seems to think so too. submitted by InternationalWash822 to Shortsqueeze [link] [comments] The Oracle of Omaha has been making large investments in multiple fintech companies. In fact, Buffet has invested over $900M (107.1M shares) in the Brazilian company, Nu Holdings, and $907M (30M shares) in ALLY. This is a huge investment even for someone like Buffett. Nu Holdings is actually his 8th largest investment in terms of shares. This raises the question, why has Buffett invested in these other fintech companies, but not in Sofi? Throughout this post, Iâll be talking about Sofi, ALLY, and Nu Holdings - comparing their pros, cons, and similarities. My goal here is to see if there is room for 3 top dogs in the fintech industry or not. Why has Buffett purchased a lot of shares of Nu Holdings, specifically? For starters, the company has grown its customer base to 70.9 million clients in just over a year since going public. Nu Holdings provides credit cards to people who are not eligible to get one through other banks & tries to minimize risk by reducing the eligible benefits that the customer is initially eligible for. As they pay their bills on time, they unlock more benefits & more credit limits. Another reason is its management. It's no secret that Buffett likes to invest in companies with good management. As he once said, âWhen we own portions of outstanding businesses with outstanding management, our favorite holding period is forever.â Nu Holdings has recently hired David Marcus (former president of PayPal & former Meta Board member) on March 6 to be part of its Board of Directors. Itâs expected that David will play a crucial role in Nuâs journey going forward. The rest of the management team brings a lot of experience to the table as well:
Nu Holdingsâ Edge - Brazilâs Unbanked Population Before Nu Holdings started, over 55 million Brazilians were unbanked. This is because it's notoriously difficult for people who are not wealthy to obtain credit cards in Brazil. In general, it's very difficult to get a credit card in Latin America without being one of the wealthy elites. By offering credit cards to people who would not be able to obtain one any other way, Nu has captured a large, untapped market. This is the main reason Nu is as successful as it is today. Compared to SOFI, Nu Holdings has a much larger client base, this is of course due to its operations in Brazil, Mexico, & Columbia which in total have a larger population than the US. Thanks in part to these widespread operations, Forbes listed Nu Holdings as one of the worldâs best banks in 2022. Nu Holdings has a larger client base, more revenues, and is growing at a much faster rate than Sofi. The main reason for this is the fact that Nu Holdings doesnât have as many competitors as Sofi, especially since they focus on an untapped market in Latin America. With Sofi, they have competitors right, left, and center due to established banks and fintech competitors. Nu Holdings became profitable Q3 2022 - only a year after its inception. After making a net profit of $7.8 million in Q3, it went on to make $58 million the next quarter and is on track to report an EPS of $0.02 & $1.393B in revenues in Q1 2023 Whereas SOFI is still struggling to become profitable and is forecast to make an EPS of $-0.077 & $442.262M in revenue in Q1 2023. https://preview.redd.it/gkta3om784pa1.png?width=626&format=png&auto=webp&s=4d1bfed341d05e0187966a6da3b3e34c4895cbfd https://preview.redd.it/eu2am7q684pa1.png?width=622&format=png&auto=webp&s=6b0d5b8ff376c5c0ae86c565cbc715a50d293f28 *Screenshot taken from Future Investing YouTube* How are Nu Holdings & Sofi similar? But Nu Holdings & Sofi share one very important thing in common. They both want to be a one stop shop for financial services. Since Sofi specializes in student loan refinancing, it creates a bond with younger customers who - hopefully - will turn into lifelong customers that use Sofi for all their banking needs. Similarly, Nu Holdings offers credit cards to customers younger than 18 in Brazil - capturing a demographic of young people who will hopefully become lifelong customers. This means that both companies could continue to grow and expand as their customer base grows older and younger generations adopt their services as well. https://preview.redd.it/xlub4fg884pa1.jpg?width=500&format=pjpg&auto=webp&s=9d8d039e9347417080f9035758f5cb9435e6dc29 Why has Buffett invested in ALLY? Having invested $1.7B since 2012 in the industry giant, General Motors, you could say Buffet is an expert on the auto industry. Which helps explain why Buffett took an interest in Ally. This fintech company offers multiple services but specializes in the auto loan industry since it once was a financing division of GM, originally known as GMAC. After GM sold the rest of its 8.5% stake in Ally for $900M in 2013, Ally has expanded its market by offering mortgages, credit cards, wealth management, & other services. https://preview.redd.it/y1c473va84pa1.png?width=605&format=png&auto=webp&s=84b47713c9d3fc8551a21260e51fc863cc7d1570 Another reason Buffett is investing in ALLY could be its history of share buybacks. Buffett is a big believer in stock buybacks and has said they can be the best use of corporate capital. ALLY also offers quarterly dividends to shareholders, which is a sign of the companyâs fundamental strength. How does ALLY compare to Sofi? The main difference is the source of Allyâs revenue. 65.6% of Allyâs total revenue in 2022 came from the auto finance industry, while Sofiâs edge is student loan refinancing. In 2019, Sofi generated 59.7% of its revenue from student loans. But itâs worth noting that it can be quite difficult to qualify for student loan refinancing if you have a bad credit score whereas itâs a bit easier for people to get auto loans. https://preview.redd.it/q9efotfb84pa1.png?width=615&format=png&auto=webp&s=3dc7776eb6c02cd0e9293b82cb11e14b391cd86b How are Ally & Sofi similar? Ally & Sofi both offer commission free stock trading for investors with a high APY as well. Allyâs savings account offers 3.60% APY and Sofi offers 3.75% APY with a direct deposit. This means that with a direct deposit, youâll earn a higher APY with Sofi, but without one, youâd earn a higher APY with Ally. Both companies offer multiple services such as mortgage loans, credit cards, insurance, etc. and are online banks with no physical locations. Given their different niches, it makes sense that Allyâs customers tend to be millennials while Sofiâs customers tend to be students or fresh graduates. Sofiâs Edge So after going through the pros and cons of all three of these companies, you might be wondering if SOFI has what it takes to gain market share in the growing Fintech industry. I believe Sofi has an edge over these two competitors when it comes to diversification. The two pictures below show the type of services that Sofi & Ally offer. Sofi is constantly trying to increase its market by opening up different services to attract new customers. To name a few:
https://preview.redd.it/0vcs7h5c84pa1.png?width=541&format=png&auto=webp&s=3521404dec4a95cb3ed2212eb32bbee5416a0fd1 Besides diversification, SOFIâs focus on student loan refinancing is also a plus imo. College education is essential in the US and without a college degree, most people can only get so far in their career. For instance, 53.7% of the US working population in 2021 graduated from college and at least 75% of new jobs require a college degree. When you factor in the average cost of tuition - which has soared 31.4% from 2010-2020 - and that the average student debt among college graduates is $28,000, SOFI is in a great position to profit from this sector. Given this inflationary environment & higher interest rates, I think that demand for student loan refinancing will only increase. This is because employers are constantly looking for people with degrees & the number of jobs requiring this are increasing every year. So it's no surprise that CEO Anthony Noto recently said, âWeâd expect the demand for that product (student loans) to really go through the roof and be back to normalized levels that we saw in 2019.â But with the student loan pause in place, SOFI is losing a lot of money. The company stated that it has lost $300M to $400M and is pushing very hard to get a decision passed ending the student loan moratorium. The Supreme Court already heard the oral arguments regarding the case and is expected to give a decision in June. If things are not resolved by then or the Supreme Court rules against federal student loan forgiveness, then payments are expected to resume by the end of August. This is because payments are expected to start up again, 60 days following the ruling. Needless to say this would be a huge catalyst for SOFI and I, personally, believe that the Supreme Court will rule in SOFIâs favor. And the flood of refinancing requests that could come in once this limbo ends could give SOFIâs revenues a much-needed push. With this in mind, June will be a make-or-break moment for SOFI. Now, you might be thinking âthatâs great and all but what about Buffettâs 8th largest investment by shares? OP is just some dude on the internet, and this is THE Warren Buffettâ. https://preview.redd.it/w3k57vtc84pa1.png?width=288&format=png&auto=webp&s=8e5770fad03ae86cb15bcbe116bc706a512d9364 Well, you wouldnât be wrong. It's hard to argue against Warren Buffettâs logic and I think NU could be a good investment as well, but compared to SOFI, I think that it presents a lot more risk. For one thing, Brazil has just gotten out of one of its worst economic crises in history and with a new government taking over thereâs a lot of uncertainty. Corruption is very high in Brazil, and banks which provide their services almost exclusively to the rich in Brazil could use their power to turn the government against Nu Holdings if they feel threatened. Also, giving out credit cards to kids under 18 (even if the cardâs benefits are limited) just sounds really risky to me. Given that most people in Brazil are not as financially well off as most US residents, its weaker currency, and struggling economy, Nu Holdings could face the greatest risk of all three companies. But time will tell whether the Brazilian government will make life easier or more difficult for a company like Nu Holdings. So this means that ALLY, which also focuses on the US market for financial services, is probably SOFIâs greatest competition. Both companies have a lot in common, but theyâve chosen to specialize in different niches. So letâs break it down:
Regardless of the potential hit to the automotive sector, when you compare auto loans to student loans you quickly see that student loans take the cake. The market size of the Auto leasing, loans, & sales financing industry is $173.2 billion, while the student loan industry is a massive $1.76 trillion. So Sofi has the upper hand here in terms of the market potential. With college tuition constantly increasing & students entering college year after year, SOFI also has stricter requirements for qualifying for personal loans, such as a credit score of 680 and other factors which make their loans comparatively safer since its clients are more thoroughly vetted. This is good because it allows Sofi to minimize the potential risk of a customer not being able to pay back their loan in the future. Conclusion: So, in conclusion, I think SOFI is in a fairly safe spot as long as the Supreme Court gives a favorable ruling. Since Nu Holdings operates in Latin America it wonât compete with Sofi for market share. Ally & Sofi also have different specializations, but Ally is a more established FinTech company which could take customers from Sofi. Still, SOFIâs goal is to become a one stop shop for all financial services and it has diversified its services extensively over the years which could give it an edge in this industry. Personally, I believe SOFI will be able to grow its customer base better than ALLY because it appeals directly to young adults heading into college. If these customers have a good experience, then SOFI can become their go-to financial service provider for the rest of their life. On this note, the FinTech industry is on track for major growth especially since Covid-19 acted as a catalyst for the industry - leading to wider adoption at a time when contactless payments were becoming essential. Besides this, the FinTech industry will likely continue to grow just out of sheer practicality. For one thing, Fintech cuts down servicing costs like maintaining physical branches while still providing a very high value service. As more and more transactions move online, the digital revolution continues to work in the industryâs favor and the widespread adoption of smartphones means that our phones will increasingly act as wallets. So, it's not surprising that the use of Fintech companies increased 88% from 2020 to 2021. So I'm pretty bullish on three of these stocks for the time being at least. Now for the TA... $SOFI https://preview.redd.it/djuk58id84pa1.jpg?width=1600&format=pjpg&auto=webp&s=74f72c6e21506030efc6bbc44374cb04b07096bb $SOFI has been stuck in a sideways channel since April 2022. The stock has a strong resistance at $7.59 which it tested on its positive Q4 earnings, however SOFI dropped almost 18% to its support at $5.25 due to market uncertainty. Now trading at $5.20, SOFI is below the 50, 200, and 21 MAs on the daily timeframe. Despite this, Iâm expecting a bounce and potential retest of the $7.59 resistance leading up to the Supreme Court decision in June since the RSI oversold at 30. Right now SOFI is fundamentally oversold IMO. I bought 1k shares here as a starter with a stop loss at the $4.92 support. Iâll be averaging down under the $5.25 support or averaging up depending on the trend. My take profits will be the 200 MA, $6.43 resistance and the $7.59 resistance. https://preview.redd.it/pakxnr1e84pa1.jpg?width=1458&format=pjpg&auto=webp&s=3fb5c7d97c02030b7ad888463c4c2cf572e973c5 $ALLY: https://preview.redd.it/8zwd6jme84pa1.jpg?width=1600&format=pjpg&auto=webp&s=af9de5ffc042ca2bfaf546417438edac1e9dc409 ALLY was in a downward channel all of 2022 but it broke out at the start of 2023 - testing the $34 resistance after earnings. Since then the trend has reversed and is now bearish. The stock touched its $21.91 support mostly due to market turmoil rather than fundamentals. Iâm expecting ALLY to break out of this channel like it did at the start of this year when it approached the $34 support. The stock recently tested what was once the upper trendline and bounced off of it which is a bullish sign. Personally, I think that these banking fears will dissipate now that the government has stepped in - as illustrated by the XLF closing green on Monday. Looking at the daily timeframe, ALLY is oversold with the RSI at 30 so I am expecting a bounce over the next few weeks. Long-term, I think ALLY will trade in a sideways channel between the $23.80 support and $34 resistance until a strong catalyst is able to break it out. But for now, Iâll take a swing here with a stoploss at $23 and my take profits at $27.05 and the 50MA. $NU: https://preview.redd.it/1x33g57f84pa1.jpg?width=1600&format=pjpg&auto=webp&s=2e1b3757785d4d1a40bd84ea5607052fd7d5c833 Compared to ALLY and SOFI, NU has not dropped as dramatically, which is likely due to its exposure to Latin American markets rather than the US. The stock is currently trending downwards within the sideways channel. The stock is testing the 200 MA on the daily chart, if it breaks through it I will be going short with the lower trendline as my take profit and the 50 MA as my SL. |
2023.03.21 17:01 The_one_with_no_name Loose bridge pickup in two different guitars? (Blacktop Filter'Tron / FT-5E Filter'Tron)
2023.03.21 16:35 20squiggles Stuck in a vicious cycle of low energy and existential ennui. How to snap out of it?
2023.03.21 16:04 Cold-Struggle7024 I need help with my feeling of envy/jealousy!
2023.03.21 15:40 zatan130 Jim Goldberg
![]() | submitted by zatan130 to YouOnLifetime [link] [comments] |
2023.03.21 15:39 zatan130 Jim Goldberg
![]() | submitted by zatan130 to DunderMifflin [link] [comments] |
2023.03.21 15:33 shadowkat678 [Online][Roll20][CoC 7e][Sunday 7pm CST][$20/week] Crimson Letters, a 3-5 session Call of Cthulhu mini campaign looking for three to five investigators to solve the case!
We start our story at Arkham Massachusetts, and more specifically at Miskatonic University, where a rather strange death has just occurred. Professor Charles Leiter was found in his office. The official cause of death is a heart attack.Hello, I'm Kat! An experienced Game Master but newer to Call of Cthulhu and looking to dip my toes into the system with a short adventure on Roll20. By my estimate, Crimson Letters will last from three to five sessions depending on how deeply the group...well, investigates!
Yet, the Dean seems to be interested enough in the circumstances, or at least on a project the professor had been working on before he died, that he calls you in at the recommendation of the morgue assistant. You are all connected to an amateur university investigation club, with a bent toward the unexplained. With no one else to turn to and not wanting this to get out to the press and create a potential scandal, Dean Fallon puts you all on the case. Surely nothing can go wrong?
"Kat is very prepared and invested in the lore and story, but remains open to player collaboration and shows interest and engagement with character details across the board. (...) The game world feels dense and alive, with much going on beyond the party's knowledge, and also open to charting our own course. Highly recommended."Nick:
"They put a lot of effort into their story weaving, and the attention to detail really shows. (...) Heavily roleplay focused, these sessions have really made it feel as though we are living, breathing entities in the world, and we are going to shape our story by our own means. It is delightful to have such an open and caring DM who considers everyone in the conversations, and makes sure everyone has a chance to shine."GM Gabe (DnDUnlimited):
"They know what players want/need to hear and how to adjust on the fly to bring the story to life. The best way, I think, to describe their gameplay is IMMERSIVE. They bring you in with amazing hooks and keep you going with plot twists that you never see coming. They are fun and intuitive when it comes to role-playing and always find a way to make, both the storyline and linked NPCs feel real. If it isn't enough that they do all that, they allow for some epic rule of cool moments and know exactly when to apply them and not. "Timothy:
"I've been playing with Kat for years now, first as a fellow player alongside them, then also as a player in games they've run. They never fail to be creative and nuanced, especially when it comes to the dramatic roleplaying side of things. Always a delight to share the table with."Speaking of Startplaying, if you would like to sign up through that site, I upped the price to match StartPlaying's Fees, HOWEVER I am also offering an Early Bird Discount for the first two people who sign up on the site, which would half the price for a session and would have you registered as someone who has officially played with me if you wished to leave me a review on my profile after the game has ended. Let me know and I can send you a link.
2023.03.21 15:21 Wolfsangel123 What am I doing wrong? (SoloPVE)
2023.03.21 15:03 renalowery Princess diamond engagement rings Tacori.com
2023.03.21 14:59 wbro1 Advice on traveling with a ring
2023.03.21 14:55 crystals_01 Is Amethyst the best substitute gemstone for blue sapphire?
![]() | When it comes to gemstones, blue sapphire is one of the most popular choices due to its stunning deep blue color and rich history. However, blue sapphires can also be quite expensive, and not everyone can afford them. This begs the question: is amethyst the best substitute gemstone for a blue sapphire? In this blog, we'll explore the properties of both gemstones and determine if amethyst can indeed be a suitable alternative. submitted by crystals_01 to u/crystals_01 [link] [comments] Properties of Blue Sapphire https://preview.redd.it/m5hyr6ffl3pa1.jpg?width=360&format=pjpg&auto=webp&s=89a66b3cf4f1b8f4042420b10705f21095cb0df7 Blue sapphire is a member of the corundum family and is a variety of the mineral aluminum oxide. It is typically found in shades of blue, ranging from pale blue to deep blue-black, and is a durable and hard gemstone, ranking 9 on the Mohs scale of hardness. Blue sapphires are commonly found in Sri Lanka, Australia, and Madagascar, but can also be found in several other locations. Blue sapphire has a rich history, with many cultures considering it a symbol of power, wisdom, and truth. It is the birthstone for those born in September and is often used in engagement rings due to its beauty and durability. Properties of Amethyst Amethyst is a variety of quartz and is a purple or violet gemstone. It can range in color from light pinkish violet to deep purple and is found in several locations, including Brazil, Uruguay, and Zambia. Amethyst is a hard and durable gemstone, ranking 7 on the Mohs scale of hardness. Amethyst has been used for thousands of years and has been associated with spiritual and healing properties. It is also the birthstone for those born in February and is often used in meditation and crystal healing practices. Can Amethyst be a Substitute for Blue Sapphire? While amethyst and blue sapphire are both beautiful gemstones, they have distinct differences that may make it difficult to use amethyst as a substitute for blue sapphire. Firstly, the colors of the two gemstones are vastly different. While blue sapphire is a deep blue color, amethyst is a shade of purple. While some amethysts can be very dark and may resemble blue sapphire, they still have a distinct purple undertone. Secondly, blue sapphire is much harder than amethyst, making it a more durable gemstone that can withstand everyday wear and tear better. Amethyst, while still relatively hard, is more prone to scratching and chipping than blue sapphire. Lastly, the value of blue sapphire is typically much higher than that of amethyst. While amethyst can be a stunning gemstone, it is not typically considered a high-value gemstone in the same way that blue sapphire is. Alternatives to Blue Sapphire If you are looking for an alternative to blue sapphire, there are several gemstones that may be a better substitute than amethyst. One such gemstone is tanzanite, which is a blue-violet gemstone that is similar in color to blue sapphire but is often more affordable. Aquamarine is another alternative, with a blue-green color that can resemble blue sapphire. Conclusion While amethyst is a stunning gemstone in its own right, it may not be the best substitute for blue sapphire due to differences in color, durability, and value. If you are looking for an alternative to blue sapphire, there are several gemstones to consider, including tanzanite and aquamarine. However, if you are set on blue sapphire, it is important to invest in a high-quality gemstone that will stand the test of time and be worth the investment. Visit Our Website Crystals |
2023.03.21 14:45 InternationalWash822 Warren Buffett invested in these Fintech Companies - How does SOFI Measure Up?
![]() | The fintech industry has seen one of the most exciting growth trends as it revolutionizes how people access financial services. Right now, there are over 30,000 fintech startups and by the end of 2021, fintech investment reached a total of $210 billion. The fintech sphere is only expected to grow, so I believe it is a very attractive industry for investors and Warren Buffet seems to think so too. submitted by InternationalWash822 to pennystocktoday [link] [comments] The Oracle of Omaha has been making large investments in multiple fintech companies. In fact, Buffet has invested over $900M (107.1M shares) in the Brazilian company, Nu Holdings, and $907M (30M shares) in ALLY. This is a huge investment even for someone like Buffett. Nu Holdings is actually his 8th largest investment in terms of shares. This raises the question, why has Buffett invested in these other fintech companies, but not in Sofi? Throughout this post, Iâll be talking about Sofi, ALLY, and Nu Holdings - comparing their pros, cons, and similarities. My goal here is to see if there is room for 3 top dogs in the fintech industry or not. Why has Buffett purchased a lot of shares of Nu Holdings, specifically? For starters, the company has grown its customer base to 70.9 million clients in just over a year since going public. Nu Holdings provides credit cards to people who are not eligible to get one through other banks & tries to minimize risk by reducing the eligible benefits that the customer is initially eligible for. As they pay their bills on time, they unlock more benefits & more credit limits. Another reason is its management. It's no secret that Buffett likes to invest in companies with good management. As he once said, âWhen we own portions of outstanding businesses with outstanding management, our favorite holding period is forever.â Nu Holdings has recently hired David Marcus (former president of PayPal & former Meta Board member) on March 6 to be part of its Board of Directors. Itâs expected that David will play a crucial role in Nuâs journey going forward. The rest of the management team brings a lot of experience to the table as well:
Nu Holdingsâ Edge - Brazilâs Unbanked Population Before Nu Holdings started, over 55 million Brazilians were unbanked. This is because it's notoriously difficult for people who are not wealthy to obtain credit cards in Brazil. In general, it's very difficult to get a credit card in Latin America without being one of the wealthy elites. By offering credit cards to people who would not be able to obtain one any other way, Nu has captured a large, untapped market. This is the main reason Nu is as successful as it is today. Compared to SOFI, Nu Holdings has a much larger client base, this is of course due to its operations in Brazil, Mexico, & Columbia which in total have a larger population than the US. Thanks in part to these widespread operations, Forbes listed Nu Holdings as one of the worldâs best banks in 2022. Nu Holdings has a larger client base, more revenues, and is growing at a much faster rate than Sofi. The main reason for this is the fact that Nu Holdings doesnât have as many competitors as Sofi, especially since they focus on an untapped market in Latin America. With Sofi, they have competitors right, left, and center due to established banks and fintech competitors. Nu Holdings became profitable Q3 2022 - only a year after its inception. After making a net profit of $7.8 million in Q3, it went on to make $58 million the next quarter and is on track to report an EPS of $0.02 & $1.393B in revenues in Q1 2023 Whereas SOFI is still struggling to become profitable and is forecast to make an EPS of $-0.077 & $442.262M in revenue in Q1 2023. https://preview.redd.it/517fe3t9i2pa1.png?width=626&format=png&auto=webp&s=158aa08fc0e5eb43bc1517777988d21200732ccb https://preview.redd.it/j2npx01ci2pa1.png?width=622&format=png&auto=webp&s=e72bdae4deb04c74fb2e4b69be83c7d06c0f6de9 *Screenshot taken from Future Investing YouTube* How are Nu Holdings & Sofi similar? But Nu Holdings & Sofi share one very important thing in common. They both want to be a one stop shop for financial services. Since Sofi specializes in student loan refinancing, it creates a bond with younger customers who - hopefully - will turn into lifelong customers that use Sofi for all their banking needs. Similarly, Nu Holdings offers credit cards to customers younger than 18 in Brazil - capturing a demographic of young people who will hopefully become lifelong customers. This means that both companies could continue to grow and expand as their customer base grows older and younger generations adopt their services as well. https://preview.redd.it/ovc89ptgi2pa1.jpg?width=500&format=pjpg&auto=webp&s=3b00c14bfa93afe32b4fdf2bcea562538e114b2b Why has Buffett invested in ALLY? Having invested $1.7B since 2012 in the industry giant, General Motors, you could say Buffet is an expert on the auto industry. Which helps explain why Buffett took an interest in Ally. This fintech company offers multiple services but specializes in the auto loan industry since it once was a financing division of GM, originally known as GMAC. After GM sold the rest of its 8.5% stake in Ally for $900M in 2013, Ally has expanded its market by offering mortgages, credit cards, wealth management, & other services. https://preview.redd.it/6liekr1ji2pa1.png?width=605&format=png&auto=webp&s=35371e326a0eef95abca694e301214fc37b2a922 Another reason Buffett is investing in ALLY could be its history of share buybacks. Buffett is a big believer in stock buybacks and has said they can be the best use of corporate capital. ALLY also offers quarterly dividends to shareholders, which is a sign of the companyâs fundamental strength. How does ALLY compare to Sofi? The main difference is the source of Allyâs revenue. 65.6% of Allyâs total revenue in 2022 came from the auto finance industry, while Sofiâs edge is student loan refinancing. In 2019, Sofi generated 59.7% of its revenue from student loans. But itâs worth noting that it can be quite difficult to qualify for student loan refinancing if you have a bad credit score whereas itâs a bit easier for people to get auto loans. https://preview.redd.it/wvzss9cli2pa1.png?width=615&format=png&auto=webp&s=c18ca9f460bb243e20b50511b4cfeb75cdb1c707 How are Ally & Sofi similar? Ally & Sofi both offer commission free stock trading for investors with a high APY as well. Allyâs savings account offers 3.60% APY and Sofi offers 3.75% APY with a direct deposit. This means that with a direct deposit, youâll earn a higher APY with Sofi, but without one, youâd earn a higher APY with Ally. Both companies offer multiple services such as mortgage loans, credit cards, insurance, etc. and are online banks with no physical locations. Given their different niches, it makes sense that Allyâs customers tend to be millennials while Sofiâs customers tend to be students or fresh graduates. Sofiâs Edge So after going through the pros and cons of all three of these companies, you might be wondering if SOFI has what it takes to gain market share in the growing Fintech industry. I believe Sofi has an edge over these two competitors when it comes to diversification. The two pictures below show the type of services that Sofi & Ally offer. Sofi is constantly trying to increase its market by opening up different services to attract new customers. To name a few:
https://preview.redd.it/ji26in1xi2pa1.png?width=570&format=png&auto=webp&s=dc4061d928758f1c0eefdaafe27c6757f6646cc3 Besides diversification, SOFIâs focus on student loan refinancing is also a plus imo. College education is essential in the US and without a college degree, most people can only get so far in their career. For instance, 53.7% of the US working population in 2021 graduated from college and at least 75% of new jobs require a college degree. When you factor in the average cost of tuition - which has soared 31.4% from 2010-2020 - and that the average student debt among college graduates is $28,000, SOFI is in a great position to profit from this sector. Given this inflationary environment & higher interest rates, I think that demand for student loan refinancing will only increase. This is because employers are constantly looking for people with degrees & the number of jobs requiring this are increasing every year. So it's no surprise that CEO Anthony Noto recently said, âWeâd expect the demand for that product (student loans) to really go through the roof and be back to normalized levels that we saw in 2019.â But with the student loan pause in place, SOFI is losing a lot of money. The company stated that it has lost $300M to $400M and is pushing very hard to get a decision passed ending the student loan moratorium. The Supreme Court already heard the oral arguments regarding the case and is expected to give a decision in June. If things are not resolved by then or the Supreme Court rules against federal student loan forgiveness, then payments are expected to resume by the end of August. This is because payments are expected to start up again, 60 days following the ruling. Needless to say this would be a huge catalyst for SOFI and I, personally, believe that the Supreme Court will rule in SOFIâs favor. And the flood of refinancing requests that could come in once this limbo ends could give SOFIâs revenues a much-needed push. With this in mind, June will be a make-or-break moment for SOFI. Now, you might be thinking âthatâs great and all but what about Buffettâs 8th largest investment by shares? OP is just some dude on the internet, and this is THE Warren Buffettâ. https://preview.redd.it/qonrid93j2pa1.png?width=288&format=png&auto=webp&s=013b4d5c65fb57d66bf5dd85ef7e9543f13c4f7f Well, you wouldnât be wrong. It's hard to argue against Warren Buffettâs logic and I think NU could be a good investment as well, but compared to SOFI, I think that it presents a lot more risk. For one thing, Brazil has just gotten out of one of its worst economic crises in history and with a new government taking over thereâs a lot of uncertainty. Corruption is very high in Brazil, and banks which provide their services almost exclusively to the rich in Brazil could use their power to turn the government against Nu Holdings if they feel threatened. Also, giving out credit cards to kids under 18 (even if the cardâs benefits are limited) just sounds really risky to me. Given that most people in Brazil are not as financially well off as most US residents, its weaker currency, and struggling economy, Nu Holdings could face the greatest risk of all three companies. But time will tell whether the Brazilian government will make life easier or more difficult for a company like Nu Holdings. So this means that ALLY, which also focuses on the US market for financial services, is probably SOFIâs greatest competition. Both companies have a lot in common, but theyâve chosen to specialize in different niches. So letâs break it down:
Regardless of the potential hit to the automotive sector, when you compare auto loans to student loans you quickly see that student loans take the cake. The market size of the Auto leasing, loans, & sales financing industry is $173.2 billion, while the student loan industry is a massive $1.76 trillion. So Sofi has the upper hand here in terms of the market potential. With college tuition constantly increasing & students entering college year after year, SOFI also has stricter requirements for qualifying for personal loans, such as a credit score of 680 and other factors which make their loans comparatively safer since its clients are more thoroughly vetted. This is good because it allows Sofi to minimize the potential risk of a customer not being able to pay back their loan in the future. Conclusion: So, in conclusion, I think SOFI is in a fairly safe spot as long as the Supreme Court gives a favorable ruling. Since Nu Holdings operates in Latin America it wonât compete with Sofi for market share. Ally & Sofi also have different specializations, but Ally is a more established FinTech company which could take customers from Sofi. Still, SOFIâs goal is to become a one stop shop for all financial services and it has diversified its services extensively over the years which could give it an edge in this industry. Personally, I believe SOFI will be able to grow its customer base better than ALLY because it appeals directly to young adults heading into college. If these customers have a good experience, then SOFI can become their go-to financial service provider for the rest of their life. On this note, the FinTech industry is on track for major growth especially since Covid-19 acted as a catalyst for the industry - leading to wider adoption at a time when contactless payments were becoming essential. Besides this, the FinTech industry will likely continue to grow just out of sheer practicality. For one thing, Fintech cuts down servicing costs like maintaining physical branches while still providing a very high value service. As more and more transactions move online, the digital revolution continues to work in the industryâs favor and the widespread adoption of smartphones means that our phones will increasingly act as wallets. So, it's not surprising that the use of Fintech companies increased 88% from 2020 to 2021. So I'm pretty bullish on three of these stocks for the time being at least. Now for the TA... $SOFI https://preview.redd.it/rrr2t6qri3pa1.jpg?width=1600&format=pjpg&auto=webp&s=f75f0cc4ccb5f94ee14743e50a6988cc67079f2d $SOFI has been stuck in a sideways channel since April 2022. The stock has a strong resistance at $7.59 which it tested on its positive Q4 earnings, however SOFI dropped almost 18% to its support at $5.25 due to market uncertainty. Now trading at $5.20, SOFI is below the 50, 200, and 21 MAs on the daily timeframe. Despite this, Iâm expecting a bounce and potential retest of the $7.59 resistance leading up to the Supreme Court decision in June since the RSI oversold at 30. Right now SOFI is fundamentally oversold IMO. I bought 1k shares here as a starter with a stop loss at the $4.92 support. Iâll be averaging down under the $5.25 support or averaging up depending on the trend. My take profits will be the 200 MA, $6.43 resistance and the $7.59 resistance. https://preview.redd.it/5co1e6nvi3pa1.jpg?width=1458&format=pjpg&auto=webp&s=b97304f23081aa807ce1d59ea912bd8895725cbf $ALLY: https://preview.redd.it/dsie3d0mj3pa1.jpg?width=1600&format=pjpg&auto=webp&s=9ffa57a2231b5f47f9456edefb900bcaea469f9b ALLY was in a downward channel all of 2022 but it broke out at the start of 2023 - testing the $34 resistance after earnings. Since then the trend has reversed and is now bearish. The stock touched its $21.91 support mostly due to market turmoil rather than fundamentals. Iâm expecting ALLY to break out of this channel like it did at the start of this year when it approached the $34 support. The stock recently tested what was once the upper trendline and bounced off of it which is a bullish sign. Personally, I think that these banking fears will dissipate now that the government has stepped in - as illustrated by the XLF closing green on Monday. Looking at the daily timeframe, ALLY is oversold with the RSI at 30 so I am expecting a bounce over the next few weeks. Long-term, I think ALLY will trade in a sideways channel between the $23.80 support and $34 resistance until a strong catalyst is able to break it out. But for now, Iâll take a swing here with a stoploss at $23 and my take profits at $27.05 and the 50MA. $NU: https://preview.redd.it/79rqip8jj3pa1.jpg?width=1600&format=pjpg&auto=webp&s=13fa8969d4890aa9c704d8b6a2a93f1e96d62335 Compared to ALLY and SOFI, NU has not dropped as dramatically, which is likely due to its exposure to Latin American markets rather than the US. The stock is currently trending downwards within the sideways channel. The stock is testing the 200 MA on the daily chart, if it breaks through it I will be going short with the lower trendline as my take profit and the 50 MA as my SL. |
2023.03.21 14:41 martun-baker Captain Shipley, how much did he know about Alex?
2023.03.21 14:09 Spidersfromvenus Simple Simon