Off-Topic Stock Market & Crypto Discussion

Bought that Tesla dip. Feel pretty good about this one.

Usually when everyone is down about it and the haters are in full force, it’s time lol.

Graphs aren’t loading but check the 200 day and the support line on finviz.

 

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It's the best selling EV pickup.
It WAS.

The initial hype has worn off, and Elon’s political adventures combined with it being overpriced and not promising on mileage claims are having an effect. Car and Driver just came out with their “Top 6 EV trucks for 2025” and the Cybertruck was #5. Rivian, F-150 Lighting came in substantially higher. Plus, I don’t know if you saw in the news yesterday but they had to recall every Cybertruck made up until last month yesterday. Something about the glue holding important parts of the truck together coming off 😂.
 
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Keep an eye out on $BYON.

They own a good portion of tzero.

Appears something might be cooking there with possible tokenizarion of buybuybaby.

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The Princess Bride Disney Plus GIF by Disney+

So much talk of recession, I am reminded of Wallace Shawn’s character pictured here.
Often when everyone is frightened of a recession they prepare for said recession. With interest rates still justifying savings, there should still be a significant amount of cash waiting on the sidelines This would likely be used to take advantage of buying opportunities. We have seen Warren Buffet raise some cash recently.
So what happens when investors get what they want? ie. cheap money in the form of low interest rates. Investments rise and the market shoots through the roof. However, now there is no more safety net. Money has left the sidelines. These are the makings of a bubble and we have seen this time and again. Be wary of times when investments are the only choice because cash in the bank is losing money.
As You Wish Cary Elwes GIF by Disney+


The question I have is, how healthy are the banks? Are they lending to people they shouldn’t be? What happens if everyone sells their REITs? Does that make everyone’s home drop in value because REIT funded firms need to liquidate?
 
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Does anyone have any thoughts or advice on the upcoming IPO for CoreWeave? The ticker is CRWV. Happy to hear anyone's thoughts. Buddy of mine won't shut up about it but this is far from my wheelhouse.

Go Canes
 
Does anyone have any thoughts or advice on the upcoming IPO for CoreWeave? The ticker is CRWV. Happy to hear anyone's thoughts. Buddy of mine won't shut up about it but this is far from my wheelhouse.

Go Canes

I am not overly familiar with CRWV, so the following is general information on IPO's.

Ever since the government made going public ridiculously hard after dot com crash, private companies could no longer easily turn to the public markets, so they turned to private equity instead (i.e. catering to the wealthy). So laws passed to supposedly help the retail investors did the opposite.

The net effect is that most of the profit is made by the PE fund, not the IPO investors. For example, Wiz turned to PE only 11 months ago, and just received a buyout offer of $32BB from Google, a 3X return in one year.

In English that means that for for the typical IPO, a lot of the profit has been made already, limiting upside. Another way to look at it is say that the Mag 7 would have waited another +/- 5 years or more to go public. A lot less profit would have been made by retail investors.
 
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The Princess Bride Disney Plus GIF by Disney+

So much talk of recession, I am reminded of Wallace Shawn’s character pictured here.
Often when everyone is frightened of a recession they prepare for said recession. With interest rates still justifying savings, there should still be a significant amount of cash waiting on the sidelines This would likely be used to take advantage of buying opportunities. We have seen Warren Buffet raise some cash recently.
So what happens when investors get what they want? ie. cheap money in the form of low interest rates. Investments rise and the market shoots through the roof. However, now there is no more safety net. Money has left the sidelines. These are the makings of a bubble and we have seen this time and again. Be wary of times when investments are the only choice because cash in the bank is losing money.
As You Wish Cary Elwes GIF by Disney+


The question I have is, how healthy are the banks? Are they lending to people they shouldn’t be? What happens if everyone sells their REITs? Does that make everyone’s home drop in value because REIT funded firms need to liquidate?

Best guess is that the mega caps are probably fine, especially JPM, they are exceptionally well run. The concern would be regionals or local banks that have heavy real estate exposure (remember what happened to regionals when a couple of banks went under a couple of years ago).

However, many banks arent even lending much on real estate, or not at all. As a result, lending has shifted to private equity, and they are charging borrowers in the 15% range already, since they are the only game in town.

Re REITS, they come in many types of assets (different types of real estate, different types of assets, etc) and they would cut their payouts if they encountered trouble, which would drop the share price but should not affect single family homes.
 
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Thursday GDP…4th quarter
Jobless claims…I don’t think it will show government firings yet..
This week is all about tariffs. It seems we are pulling back on some original numbers
 

Jim Cramer Says Monday Market Rally Fueled By Hopes For A More Predictable Tariff Strategy: '...That's What Stock Markets Like'​

 
Maaaaan capital gains tax is a mutha. Just got done getting my mother’s taxes done for her since she’s bed-ridden and all that Apple stock my pops sold before he passed away last year finally came due. She almost fainted when I told her she owes $27,747. That 20% rate hits hard lol.
 
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