I am starting this post for those who are suffering from work-related injuries and not getting a treatment done on time and end up being permanently disabled.
When you are injured, report to your HR right away and get medical attention. Make sure that a case is open for your work injury.
Back in early this year Feb, I signed up for BlockFi to test out buying/selling crypto. For the hack of a test, I made deposit of $200 and forgot about it since made an account. I found out that deposited USD got automatically converted to a stable coin called GUSD. GUSD is 1:1 USD-backed stable coin built by a secure, reliable, and regulated cryptocurrency exchange. Which means… 1 GUSD is 1 USD. Period. No more. No less.
So, I noticed that my account started to accumulate some interest on the $200. I didn’t really put a thought on it as it was only a dollar something. It has been consistently giving somewhere between $1.27-$1.40/month. Then, it struck! Wait a minute… if I do a simple math and calculate the interest rate, then it would be about 0.7%/month of interest which would be close to 8%/year!!! Eureka!!! I knew but didn’t realize until now. lol…
I knew BlockFi pays interest on crypto. I wasn’t aware that they pay interest on GUSD also!
So, this would be one of the best return if you have with some cash that you may need to use in short or long period of time. Definitely, you don’t want to leave it in “no return” bank account. I just made another $1800 deposit to make even $2000. I think I am going to place more cash as time goes. This would be much better return compared to many dividend stocks!
https://blockfi.com/?ref=bdf2227d <- Use this link for sign up. =]
Update on 083121 – Interest rate will increase from 7.5% to 8% as of 090121.
Update on 091621 – Credit card use of ~$800ish given the credit card rewards. $2000 deposit returned $12.36 interest.
Update on 092821 – another interest rate increase from 8.0% to 8.25% as of 100121.
Update on 101021 – interest payment with 8.25% and credit card rewards. Not so bad at all.
Updated on 102821 – Interest payment will increase to 9%. Wow… now I am getting a bit scared… =p
https://blockfi.com/?ref=bdf2227d <- Use this link for sign up. =]
SUPPORT SOL
You can support me by using below Amazon link when you purchase anything from Amazon. I have no clue who bought what. Just a couple of cents fee is paid to me by Amazon for directing you to Amazon site. Thanks for your support! =]
https://amzn.to/2XNHdgL
Will be adding more as I find more favorites.
Lecture 1: Acid/Base
https://youtu.be/T0ke-Fo8rHA
Lecture 2: Alcohol
https://youtu.be/pG7cHawvEJI
Lecture 3: Calcium Channel Blocker
https://youtu.be/AcHxEN2W9vI
Lecture 4: Canes and Crutches
https://youtu.be/ctRWZIv72WQ
Lecture 5: DM/DKA/HHNK
https://youtu.be/Wn2xAR1Cxpw
Lecture 6: Hernias
https://youtu.be/FKmYdfetGbA
Lecture 7: Fetal Monitoring
https://youtu.be/k-31HaS76kU
Lecture 8: Lab Values
https://youtu.be/gdgSYTfUolU
Lecture 9: Psych drugs
https://youtu.be/UdXILAYe6fU
Lecture 10: Maternity
https://youtu.be/GYNnXU6TjK4
Lecture 11: Fetal Complication
https://youtu.be/EHVZ6OcEsS4
Lecture 12: Prioritization and Delegation
https://youtu.be/B8gPdvwCC-s
Series of how to memorize 12 cranial nerves.
1. https://youtu.be/kqNFmBGHs2I (my personal favorited video)
2. https://youtu.be/ZQ1TN6C1Lug
SUPPORT SOL
You can support me by using below Amazon link when you purchase anything from Amazon. I have no clue who bought what. Just a couple of cents fee is paid to me by Amazon for directing you to Amazon site. Thanks for your support! =]
https://amzn.to/2XNHdgL
Update as of May 2021. AT&T decided to sell the only positive aspect (from my point of view). I sold out all my shares.
The company looks like they are making headwind on bringing AT&T to the modern era, a strategy focused on investing heavily behind fiber internet, 5G, and HBO Max.
Elliott Management’s Letter to AT&T (Sep 9, 2019)Download
I’ve read Elliott Management’s letter to AT&T, and in general, I don’t believe Elliott’s thesis affects our investment thesis. We do not know why Elliott has sold its stake, so I am cautious, but I also generally don’t “follow the leader” with investments.
AT&T is trading for an attractively low valuation, with multiple possible upside scenarios and limited downside.
If HBO Max takes off and grows in popularity, my price target today for $T stock is $39 per share based on a sum of the parts valuation.
Adding the valuations up and subtracting corporate costs and eliminations gets me to a potential $446 billion Enterprise Value, or $277 billion Equity Value, for AT&T.
That represents a $T price target of $39 per share, 36% upside potential from its current price of $28.60, all while getting paid an additional 7.3% return in the form of dividends.
I also see limited downside from here.
$STPK is an energy storage company focusing on battery storage systems, network integration, and battery optimization. They brand themselves as “the first pure play smart energy storage company to go public”.
First, let’s take a moment to quickly understand how battery storage works. Battery storage is a type of energy storage power station that uses a group of batteries to store electrical energy. This is primarily used in the renewables space with solar and wind energy. In recent years battery storage (and in part renewable energy) hasn’t seen the exponential growth that many are expecting due to limitations in battery technology and high development costs.
This being said, recent developments of battery tech and reduction of costs has now made battery storage much more feasible at the commercial / industrial level. Battery storage still has ways to go in the residential space due to risks that come with it.
While battery storage has improved, it will not be stand alone solution for many years to come because it simply isn’t feasible with our global energy infrastructure. Battery storage will work with our interconnected grid to reduce imbalances between energy demand and energy production.
Ok, so now that we know how it works, what does the market look like?
Great, so how is $STPK revolutionizing this space? They are doing so by providing a “one stop shop” solution for utility companies. Stem’s solution can provide integrations with hardware (batteries) and the grid (network), while also using an AI powered software solution to optimize their energy storage.
Their solution could possibly replace other pure play companies in the value chain which is key. Interesting, so let’s move on to their AI software called Athena. Athena is an operating system for energy distribution and storage systems, collecting big data that enables customers to alternate between onsite generation, grid power or battery power
Athena is a HUGE part of their value proposition and truly could be revolutionary. Now, let’s move onto their financials. First, it’s important to understand they have a hardware and software business
I was thinking how $STPK is compared to $TSLA because many people think they are competitors. Interestingly enough, they actually use batteries from $TSLA, Samsung, and Panasonic. Additionally, they have a partnership with $TSLA!
This is an extremely attractive play in the renewables space as it is one of the pick and shovel plays in the space.
TLDR: Stem is a leading player in the energy storage market as they have solutions to address all major aspects of the value chain. More specifically:
Hope y’all enjoy! Long $STPK
In this analysis, I’ll be covering everything you need to know about Special Purpose Acquisition Companies, or SPACs, and my own strategy that I use to choose for risk minimization, and profit maximization.
SPAK, the chart above, is an ETF that was specifically designed to invest in SPAC companies.
This is not investment advice. This is for educational and entertainment purposes only. I am not responsible for the profits or loss generated from your investments. Trade and invest at your own risk.
1. What is a SPAC?
– SPAC stands for Special Purpose Acquisition Company.
– They’re also called Blank Check Companies or Shell Companies. But what is this special purpose that they’re talking about?
– Their purpose is to acquire an existing company, so that it’s available for trades and investments in the stock market.
– They need to acquire a company within a given time frame between 18 to 24 months, sometimes 36 months depending on the conditions.
2. SPAC vs. IPO
– Normally, companies go public through a process called an Initial Public Offering, or an IPO .
– There’s another method called Direct Listing, which is the method that Spotify and Slack used to go public, but for the sake of simplicity, we’ll just look at a comparison of IPOs and SPACs.
– In terms of time period, SPACs can help companies go public much faster than if they were to go public through an IPO .
– The process is also much simpler, and has less requirements, and it also costs less to go public through a SPAC.
– But, the company’s valuation is discounted, when they get listed through a SPAC.
– So for instance, if a company that has an enterprise value of 100 billion were to do an IPO , they’d be valued as a 100 billion dollar company, whereas if they get listed through a SPAC, they’d be discounted as an 80 billion dollar company.
3. Who Makes SPACs?
– Normally, people with a reputation in the market make these SPACs.
– For instance, Bill Ackman, who’s the CEO of Pershing Square Capital, is extremely well known as one of the best investors, and a lot of people want to bet their money on him.
– So people like Bill Ackman are the ones who gather investors up, and create a SPAC.
4. Constituents
– When a SPAC is created, and goes through an IPO , the shares are owned by three entities: the founder, individuals, and PIPE, which stands for Private Investment in Public Equity.
– Private stake refers to the shares that the founders, or the creators of the SPAC get.
– Public stke refers to the shares that individuals buy when the SPAC gets listed.
– PIPE refers to the investors who lend money to the SPAC so that they can acquire a company.
– So for instance, Let’s say that SPAC is trying to acquire a $10 Billion dollar company, but they only have $5 billion in their trust.
– A PIPE can hop in, and lend the remaining $5 billion to the SPAC, and in return, they get shares of the acquiring company for a cheap price.
5. One SPAC Unit
– One SPAC unit consists of 1 share and the warrant that comes with the share.
– The Warrant is essentially the right to purchase the SPAC share at a designated price later in the future.
– It essentially acts as an incentive for the SPAC investors who take on risk.
– But you can use the warrant only within a designated time period, which is usually divided into two conditions:
1) either 30 days after the new company’s IPO
2) Or 365 days after the SPAC IPO
6. SPAC Trust Account
The money for the SPAC is deposited in a trust, and the funds cannot be used for any other purposes than acquiring a company or refunding the investment seeds back to the investors, in case an acquisition does not happen.
7. Negotiation and Acquisition
– When the SPAC gets listed, it’s time for people to search for companies to acquire, and negotiate.
– Once everything is prepared, they now move onto searching innovative firms, normally between a timeframe of 18 to 24 months, sometimes a little longer depending on the conditions.
– The business that they acquire needs to be at least 80% of the value of the trust account.
– So for instance, if the trust account has $10 billion, the company that the SPAC acquires needs to be at least around $ 8 billion in fair market value.
– Once the negotiation is done, and the acquisition is announced, they go through a process of getting permission from the SPAC shareholders.
– If the SPAC shareholders agree to the acquisition, they get shares of the new company equivalent to the shares of the SPAC they hold, at a 1:1 ratio.
– If they were to disagree, they can simply cash out their stake.
8. Example
Here’s an example to help your understanding:
– A SPAC sponsored by BIll Ackman’s Pershing Square Capital made its debut to the New York Stock Exchange, with the largest blank-check IPO (PSTH).
– The offering includes 200 million units at $20 each, railing $4 billion in proceeds. Each unit consists of one common share and one-ninth of a warrant, exercisable at $23.
– So the ticker of this SPAC is PSTH, and the company they’re acquiring hasn’t been announced yet, so let’s just say that they’re buying a company called Mike’s Burgers, which’ll be listed under the ticker MIKE.
1. As an investor, you buy 9 shares of PSTH at $20 as soon as it gets listed.
2. You now have 9 shares, and a warrant that you can use, since 1 unit of the stock includes 1 ninth of a warrant.
3. So you have 9 shares, and a right to purchase 1 more share at $23.
4. Let’s say Mike’s Burgers got listed on the New York Stock Exchange, and the stock goes wild because the burgers taste great.
5. After the IPO , the stock trades at $50 a share.
6. You, as an investor, think that the stock prices could go higher for whatever reason.
7. So, you decide to wait 3 more weeks, so you can use your warrant.
8. 3 weeks later, the stock soars a bit more, and trades at $60 a share.
9. You now have 9 shares that you bought at $20, and you use the right to purchase 1 more share at $23.
10. You then sell all 10 shares at market value. So, when you sell all your shares for $600, and you’re left with an initial investment of $203, and $397 in profits.
11. So in a trade like this, you could double your investment easily.
9. Risks
– First of all, there are risks involved with PIPEs selling their stake.
– It’s not like these entities have a lockup period, they can sell their shares as long as they have permission granted from the SEC, so there’s risk involved in that.
– For instance, Nikola’s stock prices (NKLA) plummeted after its PIPE sold all their stake.
– Secondly, you’re investing in a paper company and you don’t know which company they’ll acquire.
– Normally, SPACs are run by veteran investors who know what they’re doing, but there’s absolutely no guarantee that the company it acquires will be a good one.
– For instance, there were rumors about how Bill Ackman’s SPAC would be acquiring Airbnb (ABNB) , but as you guys know, it turned out to be false.
– So as an investor, who’s not an insider, it’s hard to invest in a paper company without knowing what’ll happen to the SPAC company.
10. How to Choose the Right SPACs
– So, we obviously want to minimize risk, and maximize our returns, and to do that, it’s important to choose the right SPACs to get into.
– I’ll be providing my own strategy on finding the right SPACs. I’ll call this the 2N strategy.
– The key of this strategy is the combination of narrative and numbers.
– This is how I select stocks to invest as well, but the approach to SPACs are slightly different.
– What do I mean by narrative? I mean that the SPAC or the company that they’re acquiring, needs to have a good story.
– They need to have a good leader for the SPAC, they need to acquire a company in a prominent field, and a management team with expertise in the field.
– So here are some things I’d look for:
– First of all, I would want to see a figure who’s already acknowledged and successful.
– Of course it’d be better if they have a successful SPAC deal experience. (Bill Ackman is a good example of someone I’d have my money on.)
– I’d also look at the backgrounds of members of the management team.
– Look into what their expertise is, their work experience, professional backgrounds, and any noteworthy achievements.
– This type of information is normally all available on the SPAC’s website, but you can also look them up on linkedin.
– Also look into the institutions that are involved.
– If big names like BlackRock and CVC are taking part, and they hold SPAC shares, that’s good news.
– You want to make sure that acknowledged institutions are behind the project.
– Last but not least, it’s important to look at the industry that the SPAC has eyes on.
– You want to take part in a prominent industry, and obviously the trend is tech.
– Electric vehicle SPACs have also shown some crazy gains recently, but make sure you invest in a SPAC that operates in a field that you’re familiar with, and has high growth potential.
– Now, let’s take a look at what I mean by numbers.
– Before we can talk about numbers, we first need to understand how we can capitalize on SPAC opportunities.
– The best thing about SPACs is that you can minimize your losses, or even trade risk free if you’re lucky enough.
– The offering price of a SPAC stock varies, depending on the company, but normally it’s around $10.
– And the best thing about investing SPACs is that there is a price floor.
– It’s not that prices are legally prevented from trading below the initial IPO price, but there’s no reason for it to be traded anything below than its offering price, because in the unlikely case that an acquisition does not take place, everyone gets a refund anyways.
– So basically, given that you enter at the offered price, there’s nothing to lose, and everything to gain. This is what makes SPACs special.
You might ask, how much is there to gain?
– The answer is at least as much as its net asset value.
– In case you don’t know, the net asset value is calculated by subtracting all liabilities from the assets a company has, and dividing it up by the total number of common shares.
– If you actually do your due diligence, and calculate the net asset value of the SPAC you’re investing in, you’ll realize that the net asset value normally ranges around $10.10 to $10.25 right off the bat.
– This means that you have a 1-2.5% default return before even taking into account the warrant value, which is substantial, and the upside opportunity.
– So, going back to what I mean by numbers, you want to either find a SPAC that is traded at around its offered price or below its offered price.
– A SPAC that is already trading at 3 times its offered price probably won’t get you the best returns.
– You want to find a SPAC that’s cheap.
– Also, make sure you check the trust value, the SPAC’s market cap, and their net asset value.
– You want to make sure you get into companies with a high trust value, and a net asset value that is not too far from its market price.
Conclusion
As long as investors conduct their own research, there is huge opportunity they can capitalize on, with very little to no downside. Thus, I highly encourage that people start exploring the world of SPACs, and maybe even consider adding prominent companies to their portfolios early on.
If you like this analysis, please make sure to like the post, and follow for more quality content!
I would also appreciate it if you could leave a comment below with some original insight 🙂
AAPL – low 100s – Heavy buy in @ 80s (Potential cut shares in 120s)
ABBV – below 80 (Already at 99, at resistance) resistance broke
ABNB – IPO at 40 bil~60bil
AMD – in 70s
AMZN – below 3000
BA – 141 (Already at 200)
BABA – Start small below 258 (Watch for Ant Group) – 272 now. Sell aim 315.
BAYRY – 11s (Already at 14)
CRM – 214?
FB – below 250
GOOGL – 1500 (Already at 1750, find new entry point), new entry point 1650
IBM – low 100s
*II-VI – below 46 (Already at 60s)
INTC – below 45.50 (Started purchase)
IRM – 26s
KO – 38s
LGVW – < 15
MO – in 36s (at 41, wait for consolidation for more purchase)
MRNA – 60s, Passed 160… (Sold 50%)
MSFT – below 200
*NNDM – target < 6.00
NVDA – below 480 (Possible to raise target to 500)
*ONVO – below 9, large buy below 8
PFE – 35s (VTRS share gain)
*PLTR – 9s (Already at 30s). Not selling at this level.
QCOM – Must add stock for 5G. Aim buy in @ 140s
RKT – below 20
*SDGR – below 50 (Fluctuate 50s to 60s)
T – low 27
*TDOC – 180s
TSLA – < 500 buy some, < 450 moderate buy, < 400 all in
TSMC – in 70s
Hard look
PDD, JD, SBE
Maybe
CCL, SPCE, DAL, LUV, NIO
IPO watch
ABNB, Roblox
*Risky
Disclaimer – Trade at your own risk.
SUPPORT SOL
You can support me by using below Amazon link when you purchase anything from Amazon. I have no clue who bought what. Just a couple of cents fee is paid to me by Amazon for directing you to Amazon site. Thanks for your support! =]
https://amzn.to/2XNHdgL
I am putting my thoughts of how I am planning to do the class. It will be quite random at this point as my thoughts pop up. So, please be mindful. I will be more organized and structured. =]
Please be aware that I have a full time job and already have ongoing private class AND running side business. But once the class is set, I WILL make sure that I will dedicate that time for this free class.
1st class – 112120 @ 1000 AM PST
Google Hangout is going to be utilized.
https://meet.google.com/ctn-jywi-pbi
First day would be mostly assessment of students in terms of what they know and understand to this point. If time allows, then I will start with some lecture.I will be opening class over the Thanksgiving weekend. Please look out for updates.
| What I will NOT do. | What I will do. |
| I will not answer your homework questions for you. | I will help you understand concepts to do your homework. |
| I will not go over your lab questions. | I will go over general concept of lab. |
| Will not tolerate any slang or cussing. | Will kick you out of group. One strike you are out. |
| Will not tolerate belittling anyone. | Will kick you out of group. One strike you are out. |
| Will not tolerate dating. | Will kick you out of group. One strike you are out. |
| Will not tolerate not doing what is necessary to do (memorize, doing your homework) | I will give you sufficient resources for you to success in your class. |
Updated – 113020
AAPL – low 100s – Heavy buy in @ 80s (Potential cut shares in 120s)
ABBV – below 80 (Already at 99, at resistance) resistance broke
ABNB – IPO at 40 bil~60bil
AMD – in 70s
AMZN – below 3000
BA – 141 (Already at 200)
BABA – Start small below 258 (Watch for Ant Group) – 272 now. Sell aim 315.
BAYRY – 11s (Already at 14)
CRM – 214?
FB – below 250
GOOGL – 1500 (Already at 1750, find new entry point), new entry point 1650
IBM – low 100s
*II-VI – below 46 (Already at 60s)
INTC – below 45.50 (Started purchase)
IRM – 26s
KO – 38s
LGVW – < 15
MO – in 36s (at 41, wait for consolidation for more purchase)
MRNA – 60s (Sold 75% at 105, down at 93) target buy back 70s
MSFT – below 200
*NNDM – target < 6.00
NVDA – below 480 (Possible to raise target to 500)
*ONVO – below 9, large buy below 8
PFE – 35s (VTRS share gain)
*PLTR – 9s (Already at 30s). Not selling at this level.
QCOM – Must add stock for 5G. Aim buy in @ 140s
RKT – below 20
*SDGR – below 50 (Fluctuate 50s to 60s)
T – low 27
*TDOC – 180s
TSLA – < 500 buy some, < 450 moderate buy, < 400 all in
TSMC – in 70s
Hard look
PDD, JD
Maybe
CCL, SPCE, DAL, LUV, NIO
*Risky
Disclaimer – Trade at your own risk.
SUPPORT SOL
You can support me by using below Amazon link when you purchase anything from Amazon. I have no clue who bought what. Just a couple of cents fee is paid to me by Amazon for directing you to Amazon site. Thanks for your support! =]
https://amzn.to/2XNHdgL
Create a project folder – Use Windows Explorer to make a folder with project name.
Create virtual env – python -m venv name_of_project_folder
Enter the project folder – cd name_of_project_folder
name_of_project_folder/scritps/activate
(name_of_project_folder) …
Install Django – pip install “django>=3.0,<4.0”
Test installation – name_of_project_folder> python
python version information appears
make sure to exit()
Django installation check name_of_project_folder> python -m django –version
Starting proejct – (name_of_project_folder)…name_of_project_folder> django-admin start project name_of_project_folder2
name_of_project_folder2 will be created
Create database – name_of_project_folder> pythno manage.py migrate
Development server – name_of_project_folder> python manage.py runserver
http://127.0.0.1:8000/
Every main category on top menu is considered as “app”.
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Sol 