u/PuzzleBeader

It takes a big catalyst to gap up. Hopefully by this Christmas. Any news you guys have heard?

Some ultra unhygienic habits like spitting openly, sneezing violently without covering nose with tissue and coughing hard into the open without covering mouth.

Another super gross habit is sticking 1 index finger in 1 nostril and sneeze very hard out through other nostril.

Very uncivilised and uncouth actions. Damn gross!

Some ultra unhygienic habits like spitting openly, sneezing violently without covering nose with tissue and coughing hard into the open without covering mouth.

Another super gross habit is sticking 1 index finger in 1 nostril and sneeze very hard out through other nostril.

Very uncivilised and uncouth actions. Damn gross!

Do you close it to lock in profit? Or let it run to at least 50% before closing to take profit?

My phone is coming to 3 years and I am tempted to get a new one. iPhone has terrific ecosystem and user experience. Samsung has pretty high end performance, advanced AI tools and good camera.

Tbh I have used neither brand before lol. What's your take and recommendation? Share your experience.

I have around $15k that I am ready to invest and Meta keeps coming back to the top of my list now that I am keeping away from MSFT. The business looks incredible but the stock has also had a huge run which makes me wonder if I am buying at the wrong time.

What I am struggling with is valuation. From what I've seen, Meta is still growing revenue at a healthy pace, margins are expanding again and they are throwing off an insane amount of free cash flow. Instagram, WhatsApp and Facebook are still money printing machines and AI seems to be making their ad business even stronger.

The part I am less sure is whether the current share price already reflects all of that.

Some valuation models I have looked at put intrinsic value around current trading levels while others come out 10-20% higher depending on assumptions around AI monetisation, capex normalising and long term earnings growth. If those assumptions play out, today's price could still be reasonable. If growth slows even a bit though, it starts looking much less attractive.

I don't mind holding for long term like 10 years or more, so I am not trying to time the next few months. I just don't want to be the guy who buys after everyone has already priced in the upsides.

Curious to hear both bull and bear cases from people who have done some work on Meta valuation.

I have around $15k that I am ready to invest and Meta keeps coming back to the top of my list now that I am keeping away from MSFT. The business looks incredible but the stock has also had a huge run which makes me wonder if I am buying at the wrong time.

What I am struggling with is valuation. From what I've seen, Meta is still growing revenue at a healthy pace, margins are expanding again and they are throwing off an insane amount of free cash flow. Instagram, WhatsApp and Facebook are still money printing machines and AI seems to be making their ad business even stronger.

The part I am less sure is whether the current share price already reflects all of that.

Some valuation models I have looked at put intrinsic value around current trading levels while others come out 10-20% higher depending on assumptions around AI monetisation, capex normalising and long term earnings growth. If those assumptions play out, today's price could still be reasonable. If growth slows even a bit though, it starts looking much less attractive.

I don't mind holding for long term like 10 years or more, so I am not trying to time the next few months. I just don't want to be the guy who buys after everyone has already priced in the upsides.

Curious to hear both bull and bear cases from people who have done some work on Meta valuation.

What are the best types of tenant that you like when renting out your property? To me the perfect types are the people who treat the house as their own and take good care of it. Keep it neat and clean and pleasing for living. I experienced Japanese tenants before and they are very good tenants. What is your best? Please share.

Hey guys, I finally cleared up $10k in cash to invest and I'm looking closely at MSFT.

It’s currently down roughly 19% YTD and trading around $385 down from its peak of $555. The market seems to be panicking over their $190b projected 2026 AI spending budget but their core cloud business Azure is still growing at a massive clip.

At a PE of around 22, this feels like the cheapest we have seen MSFT in a long time.

Am I catching a falling knife or is this a rare opportunity to buy a generational compounder at a 30% discount from its highs? Would love to hear your thoughts on whether I should dump the full $10k in now or spread it out. I prefer the former but let's hear from you. Thanks!

Genuine question, no troll question. No bashing please 🙏🏻

I'm currently deciding between going overseas for university or staying local and most of the discussions I've found end up focusing heavily on tuition fees and cost of living. For the sake of discussion, let's assume cost isn't the main factor here.

I'm curious how people would compare the two options based on things like personal growth, career opportunities, university experience, network, independence and overall life experience.

On one hand, studying overseas feels like a once in a lifetime opportunity. Living alone, adapting to a different culture, meeting people from all over the world and being pushed out of your comfort zone all sound incredibly valuable. It seems like the kind of experience that shapes you as a person in ways that are hard to replicate later in life.

On the other hand, local universities are strong academically and being closer to family and existing support systems has its advantages. There is also the argument that career outcomes may not be dramatically different unless you are attending a particularly prestigious overseas University like the Ivy league or Oxbridge.

For those who studied overseas, do you feel the experience was worth it beyond academics? Did it change your perspective, confidence or career trajectory in a meaningful way?

For those who chose to stay local, do you ever feel like you missed out on something or do you feel you made the right decision looking back?

If you had to make the decision again today, with cost not being the deciding factor, which option would you choose and why?

To what extent does an employer do background check? Do all companies do that or only the larger companies have money and resource to do it? Or is background check optional?

Nothing to hide but just being curious as this was discussed during my lunch today.

I appreciate if you can share your knowledge. Thanks!

How reliable are the company reviews on Glassdoor? I expect a balance of both positive and negative reviews. But when there are only a small handful of reviews and are generally positive, how reliable is it? A PRC company in Singapore.

I opened my wallet today and saw I have only a 5 dollar note. In fact I haven't touched my wallet for some time because payment for buying things, food, bus, phv and mrt is all using phone. Do you still use cash?