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  1. qwerty

    Stock picks

    Another bad day tomorrow for the market. Nasdaq already is in bear territory, the S&P 500 of the futures hold will close in a bear market tomorrow and the Dow will be close to bear territory. I’ve been waiting for this kind of drop for like a year so will probably begin deploying cash into...
  2. qwerty

    College applications discussion

    Should sports really play a part in getting into college? Especially with an already stellar resume? I know sports teach team building etc, but so do a lot of other things kids already do
  3. qwerty

    College applications discussion

    From your mouth to college admission’s ears :)
  4. qwerty

    College applications discussion

    That is pretty crazy. But you read stories like that all of the time. When my kids were first born I always hoped they would go to prestigious colleges but given how competitive it I am now ok o they just go the JC route and transfer in as juniors. What is the point of kids becoming adults at...
  5. qwerty

    Stock picks

    For Costcos la For Costco’s latest fiscal year, they had revenue of $255B of which membership fees were 4.8B. However, their operating income was only 9.3B, so the majority of their profits do come from membership fees
  6. qwerty

    Retail Openings and Closures

    Starbucks is taking over. They opened up a new one on edinger and jamboree where the old jack on the box used to be. I never see anyone there. So if you are craving Starbucks and dont want to wait in the drive thru lane you can go here. They finally started construction on the Starbucks next...
  7. qwerty

    President Trump

    If Trump can get these companies to invest in the US that would be great. But just like the tariffs, I’ll believe it when I see it. Overseas companies have promised investment in the pst that never came to fruition...
  8. qwerty

    President Trump

    It says they’re assessing. Many companies will continue to assess. Setting up a new car manufacturing plant probably takes 6-12 months if not longer.
  9. qwerty

    President Trump

    Well we will find out in their next couple of quarterly earnings calls. Any gross margin compression and they will probably blame tariffs. Then we will see if this article is legit. There is no way Walmart and/or Costco is getting all of their suppliers to eat all of the tariff costs.
  10. qwerty

    Apolitical discussion (impossible?)

    And today Canada slapped a 25% export tax on electricity to certain north east states. This is going to be very interesting.
  11. qwerty

    Credit card and/or Apple Cash for teens?

    We don’t have any credit card debt, only debt is the mortgage. We charge up the credit card every month and pay the bill in full. The mortgage is only in my name. My fico score is 850 (perfect according to the banks website), my wife’s is 810. The 40 point difference is because she gets dinged...
  12. qwerty

    Any K-Pop Dance camps for the summer?

    I second focus dance.
  13. qwerty

    Luna Park in Great Park Neighborhood

    IVC is the best path to a UC school. Panda may or may not be right on John’s Creek vs Irvine but he right about JC to transfer to a good UC school
  14. qwerty

    Orchard Hills 4 - "The Summit" Updates

    USC has 500k under his couch cushions
  15. qwerty

    Credit card and/or Apple Cash for teens?

    Haha - the discover card was my first credit card in college.
  16. qwerty

    Orchard Hills 4 - "The Summit" Updates

    Keep the loft, unless you absolutely have to have a 5th bedroom. We have 4 bedrooms and a loft and we had the option of doing a 5th bedroom. But then the upstairs would have just been hallways and bedrooms. It’s nice to have the loft when you get to the top of the stairs, just makes it feel...
  17. qwerty

    Orchard Hills 4 - "The Summit" Updates

    Seems like it worked out pretty well for scubasteve, he bought at 3M in 2021 and seems to be worth $6M in 2025.
  18. qwerty

    Credit card and/or Apple Cash for teens?

    I added both of my kids to my credit cards. Like IHO said, it builds their credit history. Also added those cards to their Apple Pay on their phones
  19. qwerty

    Orchard Hills 4 - "The Summit" Updates

    I grew up with nothing and never really placed any value in material things - I don’t get any enjoyment from buying things. I’m just very practical - my wife does call me cheap though :). I always just wanted to make as much money as I could so I didn’t have to live check to check or stress out...
  20. qwerty

    Like Kind Exchange / Cap Gains Exclusion / Old rollover rule

    Yeah the juice generally won’t be worth the squeeze for most people
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