PanthersATL

somebody didn't get the memo? (seen today)

I'd be surprised if the 49ers week one game on the east coast got scheduled for 1p. too many 1p games that first sunday may bump it later. Could be wrong. Probably is wrong.

I just like how excited Ickey is to be in the building, playing for his childhood (teenagehood?) favorite team. Watching his post-draft videos and comments show so much pure joy and happiness. If he lives up to the promise of what he's supposed to bring to the table, I hope he sticks with us for a lonnnnnng time (and keeps that smile a'going.)

The Panthers have gone 6-21 at home over their past 27 games https://www.charlotteobserver.com/sports/spt-columns-blogs/scott-fowler/article261209532.html

https://www.studyfinds.org/new-orleans-genital-herpes/ U.S. Metropolitan Areas With The Highest Genital Herpes Rates: New Orleans-Metairie, La. (20.4%) Salt Lake City, Utah (19.2%) Cincinnati, Ohio (19.1%) Charlotte-Concord-Gastonia, N.C. (19.0%) Orlando-Kissimmee-Sanford, Fla. (19.0%) San Francisco-Oakland-Berkeley, Calif. (18.9%) Las Vegas-Henderson-Paradise, Nev. (18.7%) St. Louis, Mo. (18.3%) Portland-Vancouver-Hillsboro, Ore. (18.1%) Dallas-Fort Worth-Arlington, Texas (18.0%)

And lots of folks were upset with the commercialization of the 1996 Atlanta Olympics. yet all that $ avoided saddling Georgia/Atlanta/local taxpayers with footing a bill for temporary facilities. Private funding can work.

getting back on the topic of buy-and-hold... without naming the stock, the prices, or the amount you have invested: what is the biggest gainer and biggest loser (percentage-wise) in your portfolio today? For example, if you have stock XXXXXX that you bought 21 shares for $100 back in 1986 and it's now at $200, you only need to reply with "100%"

I get what you're saying, but the 3% figure is misleading as it doesn't take into account underage or those who are otherwise unable to subscribe/use a streaming service. Netflix has ~220m paid subscribers globally. What I'm saying is that once you have a subscriber, the only way to get MORE money from that account that's already on the hook is to raise rates, advertise, or cut costs. Otherwise you're in a constant battle of user churn - folks who sign up for a month, binge everything, then leave for a year. Ain't no money in that setup, and where Netflix could find themselves in trouble. And Facebook has already run into that wall as well, in terms of increasing their userbase. And the same holds true for any of the tech companies that aren't diversified in their offerings or are too reliant on a single type of income stream. Tech isn't going away, which is good. Question is, which horse are you willing to ride on?

There's a push in financial news this past month+ (well, more so than normal) that the best way to balance a market like we're seeing is to ensure you have a relatively strong passive income stream from dividend-paying stocks. AT&T used to be fantastic with a ~5-6% yield (it's now closer to 2% due to recent shenanigans). With some reasonable planning, it wouldn't be too difficult for the average investor to get anywhere from $50-$100/month* in dividend payouts (which could then be used to either reinvest or make new purchases). [*YMMV on the monthly amounts, figures listed here for info-purposes only] There are plenty of sources online that identify strong dividend-paying stocks that you can own for payouts in each month of the year (rather than owning a bunch that payout the same quarter schedule), which would also help with diversification and money flow. Motley Fool, Marketwatch/CNBC, Kiplinger's are three that seem to be reasonably okay in what they write about. Yes, dividends aren't sexy vs buying/selling stocks and cashing on their sale price. But if you're able to make an extra $1200/year (or more, depending on how you get there) without having to pay too much attention to daily trends -- it's something to consider (see earlier disclaimer about whether internet chat boards' free investment advice is valid or not)

Tech is temporarily being hit hard. Biggest issue is which tech are you in: if it's something subscription-based (like Netflix), then their problem is that there is a limited number of people in the world who will subscribe to the service. What happens once they have 100% of an audience? The only way to make more money is raise rates, cut spending, add advertising, sell info, etc. if it's something service-based, like any of the infrastucture stuff (this includes AWS) - then there's always going to be demand. they'll still make money as more and more services are brought online and/or utilized e-commerce is questionable. Consumables (food, etc) that need to be replaced regularly will only go so far until less-expensive options become prevalent. Costco is a glorified grocery store, and people will still need/want food/paper-goods/wine. It's the more frivolous expenditures that are likely to be cut. TVs, electronics.... Most of Apple's $ comes from App Store stuff. People may not feel like buying the next new iPhone this year, which may cut into Apple's hardware sales number. But they'll still make money on the recurring revenue streams. (disclaimer: internet chat board messages related to financial forecasts and advice may or may not contain actual/helpful/accurate information. probably not.)

some would say going with funds is safer than individual stocks, due to (hopefully) less overall volatility. they're not as sexy in terms of return vs an individual stock (see the article earlier today about how funds missed out on Tesla's big returns) -- but you give up giant returns in exchange for a smoother curve

Nah, not if you're in for the long haul (buy and hold). Lots and lots of folks who sold on the dip in March-April 2020 lost a lot when things bounced back to their previous levels shortly thereafter. Not saying that today is a similar situation - just that you shouldn't make investment decisions based on an individual day of activity.

Friend of mine, who admits to knowing nothing about football or sports betting, decided on a whim to put $100 down on LB Lewis Cine being picked in the first round. And just like that? 32. Minnesota Vikings: Lewis Cine, LB, Georgia They're picking up (about) $220 or so for Cine making the cut.

Darnold is partly why I didn't put a usual $20 on the Panthers winning the SB thus year, even at listed 75/1 or 100/1 odds. Now watch them actually do it.

Love how we get deeper into the round, how the fans in Vegas are more and more… “uh, who?” With each announcement

Let's go win, baby!

I just want to win.

This is from 2020 data. The takeaway is that some metro areas will be better to BUY in any given market, while others would be better to RENT at that moment in time. And this is a sliding scale, subject to change based on local market conditions. Generically speaking, buying becomes cheaper than renting if you're aiming for a timeframe of more than 5 years.

When we built our starter-home, 3BR/2BA house in Charlotte, we struggled at the $100k+ price point. Zillow currently has its "Zestimate" around $350k. It has a reasonable, accessible location -- but couldn't imagine it going for more than $250k.

Biggest problem coming in aren't necessarily ARMs, but the fact that banks/mortgage companies are looking at shifting from the traditional 30yr loan to a 40yr or even 50yr loan period. Those longer terms loans may make monthly payments appear to be more affordable, but the long-term impact is going to be bad. Folks won't be thinking about paying off their loans early and going into retirement (relatively) debt-free if these become popular.

Baker, Colin, sam... as long as we win, lets support it.

One problem with Eth is the high "gas" fee for transactions, making it fairly impractical for day-to-day living. https://www.yahoo.com/video/ethereum-going-solve-fee-problem-110046619.html Stolen from the Reddit, why cryptocurrency transactions are currently problematic for the average user: Buy this coin, to move that coin from this wallet to your other wallet but you need to do it on this platform but make sure you buy some of these coins to get a discount but they’ll get burned with your transaction and make sure you’re sending on the right blockchain and the address is correct, check the first and last few digits and maybe do it thru a text editor so you don’t screw anything up, then you gotta pay this fee but it’s in this other coin. Ok you’re good to go. Oh btw, there’s no guarantee or insurance against you losing your money forever so you sit there biting your nails for 30 minutes to 2 days because you chose a slower transaction to cut on costs.

Why would you want to? What's wrong with using current, established forms of payment?

Saw this about how more than just a few people are a bit unhappy with Robin Hood Lots of comments about account freezes, inability to move money out of the account or otherwise access money, can't sell assets in a timely manner, etc. Other than the cryptocurrency aspect, what does RobinHood do that Schwab/Fidelity/eTrade/etc aren't? : https://gizmodo.com/robinhood-ftc-complaints-covid-19-pandemic-1848766631