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โ€ขPosted by1 year ago

About an hour ago, I finished my business and finance exam. In this course, the main takeaway was how much to value a firm, profitability of taking on a project, and learning about prices of the firm on the stock market (through EPS, book value, etc.). While taking the exam, a thought occurred to me.


Why exactly am I studying this?


To be exact, why exactly am I studying how to value a firm, and how the valuation of a firm affects it's stock market price and dividends, when the top 0.1% can simply manipulate the value of a firm's stock?

What would be the point of saying that a medical firm on the verge of releasing some cure for cancer and showing great financial accounts is doing extremely well, just for HFs to come and short the shit out of its stock into bankruptcy?

What would be the point of working for a company that is small but having great results but on the other hand, a HF putting artificial buying pressure on a much bigger company with not so great results?

For the rest of my life, I can guarantee the answer to every question I have will be somewhere along the lines of power and greed.

What I have learned in my bachelors degree so far is that without manipulation, things that are happening right now, should be happening differently. And it is sad to see that the majority of my classmates are unaware of this. Studying this degree only seems to actually prove useful in a non-existent society where the ultra wealthy do not take advantage of the systems made for society. This is why we need a market reset. To bring everyone as close to the same level as possible. And to finally make the world aware of how much fuckery has been going on since the start of time.

Thanks for coming to my TED talk.

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โ€ขPosted by7 months ago
Jerome "Man On Fire" Powell, Chair of the Federal Reserve of the United States

By Peruvian_๐Ÿ‚ with regarded adaptationz by ๐Ÿ‘‰๐Ÿ’๐Ÿ‘ˆ there is no TL;dr or ELIA.

For the last few decades, houselessness has been on the rise in virtually every major American city. Drug addiction and mental health issues are of course the driving factors. Below is a graph of the amount of houseless using shelters in New York. We can see spikes in the late 1980s due to the crack scourge, but the rate stabilized until the aftermath of the 2008 financial crisis. Due to deflationary forces rippling through our economy, mass layoffs and home evictions, millions of people across the States lost their housing and became desperate.


https://i.redd.it/weug1kwz0aha1.png

The Fed (๐Ÿ’ Federal Reserve) responded to the housing bust with a massive influx of cash into mortgage backed securities. Cumulatively, since 2008, the Fed owns more than $2.6T of MBS (๐Ÿ’ Mortgage Backed Securities). This caused massive asset price inflation in the housing market and led to enormous wealth gains for those who owned real estate- but those who did not, or lost their homes in the bust, now saw skyrocketing home values but did not have any equivalent jump in income to compensate. This caused what is called "economic despair", similar to the opioid crisis tormenting midwestern "rust-belt" cities.


https://i.redd.it/3ruik3q21aha1.png

The median age of a new homebuyer has risen steadily since 2008- due to the higher prices of homes, many were priced out of the market. Only middle age folks had the wealth to pay for these expensive homes- boosting houselessness across the spectrum but especially in young people.


https://i.redd.it/bbfabgw41aha1.png

With a collapsing economy and slowly rising rent and home prices, dozens of thousands of people were pushed onto the streets each week- and did not have a way back into housing. They turned to drugs, crime, and more to deal with the pain and anxiety.


https://i.redd.it/wfrk90t71aha1.png

Economic self-reliance- especially for men, is closely linked to rates of depression and sewacyde. When the jobs in the city leave, the houses get too expensive to own, and the school tuition skyrockets; many feel an overwhelming hopelessness and turn to self destructive habits to cope with the pain.

Typically in a recession the Treasury will increase spending to cushion the blow to workers- and in 2009 they did extend a few unemployment benefits. But, by and large, Congress authorized few benefit programs for workers, and the average time on the benefit decreased after a slight bump in 2009. At the same time, the Fed was pumping massive amounts of cash into the banking system, boosting equity and bond prices to cope with the fallout of '08.


https://i.redd.it/vzv4vxda1aha1.png

This caused the beginning of a massive bull market- 70% of the gains for the last 30 years have occurred since the Fed began their massive QE (๐Ÿ’ Quantitative Easing) program. This would benefit the real economy, they claimed- creating what is called a "wealth effect", the behavioral economic theory suggesting that people spend more as the value of their assets rise.


https://i.redd.it/k8sj2ltd1aha1.png

The idea is that consumers feel more financially secure and confident about their wealth when their homes or investment portfolios increase in value. They are made to feel richer, even if their income and fixed costs are the same as before.


https://i.redd.it/8k8wt87g1aha1.png

However- who does this really benefit? Studies show that the majority of the equities are owned by the top 10% in terms of wealth- in fact, these wealthy individuals own 89% of all listed US stocks!


https://i.redd.it/k2rugufi1aha1.png

The median American worker saw his bosses become enormously wealthy, without additional work or effort put in, while his/her wages were stagnant for basically the entire decade. This further contributed to economic despair and gave people a sense of a "rigged system" and that the American dream, touted by the Baby Boomers and those before them, was now dead.

Upward mobility became increasingly difficult as home and asset prices rose without a corresponding increase in median wages.

Something had changed since 2008. Although the NBER ( ๐Ÿ’ National Bureau of Economic Research) claimed that we had only experienced a recession, if we use their original terminology we actually had been through a depression.

Depressions were originally defined as prolonged periods of economic underperformance, which by all indications we were experiencing. GDP (๐Ÿ’ Gross Domestic Product) nominally was rising, but much of that could be attributed to increased government spending (component of GDP) and base effects of recovering from a weakened economy. NBER estimates we underperformed GDP potential by around $8.2 Trillion in real growth since โ€™08, which would have mostly gone to middle and working class workers in the form of wages.

Although unemployment spiked post 2008 and then began falling, a large part of the reason for this is how unemployment is actually calculated. They include people who do not have jobs and are actively looking for work- but what about those who have given up and no longer are looking? they are not included in these stats- which is why we see a falling Labor Force Participation rate (above) even when the unemployment figures are reportedly falling.


https://i.redd.it/g2oaca8m1aha1.png

Millions of Americans have left the workforce- and many of these people have ended up houseless, dependent to drugs, and worse. According to the National Institute on Drug Abuse, almost 100k people lost their lives in 2020 due to an overdose- 5x the rate of the early 2000s:


https://i.redd.it/ii9dlrfq1aha1.png

The Fed has also worked to suppress interest rates to the zero bound- stimulating credit growth and pushing money out on the risk curve. This brought enormous sums of cash into the tech space, where companies received insane multiples on incredibly low earnings.

Tech linked indices, like the NASDAQ, saw enormous price gains in excess of the other "blue chip" stocks of the real economy. Facebook, Apple and Google became trillion dollar companies and VCs (๐Ÿ’ Venture Capitalists) were willing to pour in unlimited funding for whatever the tech giants wanted.


https://i.redd.it/80bqh50u1aha1.png

This virtually unlimited cash gave the tech firms the resources to supercharge their apps to become mass psychology manipulation tools- to addict young people, causing anxiety and depression. Worst of all, it pushed sewacyde rates up, especially among young girls, who were fed unending comparisons and social judgement from their peers in the digital milieu. These apps have gotten more ubiquitous and more entrenched over time- if any young person wants to be relevant and have friends, they are pushed to buy into these harmful apps.


https://i.redd.it/8m0ketaw1aha1.png

Of course, some may say this was inevitable, as the tech giants would eventually be pushing for profit and exploiting these children anyways- but the Fed certainly sped up this process significantly by lowering interest rates and allowing unprofitable tech firms to borrow freely, pushing up valuations and allowing them to raise mind boggling amounts of cash.


https://i.redd.it/vql8v57z1aha1.png

Money is power, and power can buy many things, even the ability to influence minds.

Young people nowadays are in most ways actually worse off than their parents. They can't buy a home. They can't afford school. They can't get a good job. And this issue is causing societal-wide consequences, like a falling marriage and birth rate.


https://i.redd.it/ip05rxi12aha1.png

Couples typically only marry when they can afford their house- although it is commonplace in Latin American and Asian cultures for a married child and spouse to live with parents, this is taboo in the states, where owning a property is considered a rite of passage.


https://i.redd.it/mrn05dm32aha1.png

General rates of depression are rising- humans are made for community, for intimacy.

Turns out we need each other. ๐Ÿ’๐Ÿฆง๐Ÿฆ

And by pricing couples out of the housing market, destroying jobs, and hiking asset prices, the Fed has seriously damaged the ability of young people to seriously date and have children. Thus the birth rate is collapsing in the US as well, which portends some disastrous consequences in the next 40 years. Small generations beget small generations- and we may begin a death spiral, similar to Japan where overwhelming amounts of old people are retiring, with no one to replace them. This decreasing population means less workers, less products, and a less industrious economy- creating economic stagnation and decline in the long run. Furthermore, it puts severe strain on the retirement system, such as social security.


https://i.redd.it/tfmsj1f62aha1.png

The Social Security trust fund most Americans rely on for their retirement will run out of money in 12 years, one year sooner than expected, according to an annual government report. The outlook, aggravated by the ๐Ÿ˜ท๐ŸŒ, also threatens to shrink retirement payments and increase health-care costs for older Americans. When the program was created, there were over 6 young workers paying in for every 1 retiree receiving benefits. That figure is now less than 3:1, and is soon falling to 2:1

Through the magic of QE (๐Ÿ’ Quantitative Easing), the Fed has exacerbated the worst houseless, mental health, and population crisis the United States has ever faced. These issues are incredibly complex and hard to remedy- and it may take decades to undo the damage.

Source of this God-tier DD by the ๐Ÿ‚


https://i.redd.it/7d8nha1b2aha1.png

https://thedollarendgame.com/

๐Ÿ’๐Ÿค™

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Crossposted by1 year ago
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โ€ขPosted by6 months ago
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โ€ขPosted by8 months ago

So after 2+ years of doing DD and contributing to others' DD, I've learned a few things. The three that are the most staggering are

  1. You don't own your shares - everything in your brokers account is an IOU.

  2. Your buying pressure is likely being suppressed due to dark pools

  3. Hedge funds can and will short stocks down with their total capital to take money from retail investors and companies that are viable and can do good if left alone.

I had dinner with an old business prof a little while back. Now, you have to understand this person has always been a trusted source for business and finance information. Our conversation led us down a market structure conversation, and the 3 points above about blew his top as he doesn't short or play options anymore.

His response was this, "Do you know what would happen to the markets if every retail investor knew this?" To which i replied Yes.... it would be a fucking nightmare for the markets, people would look elsewhere to fund their retirement. He said they would stop investing in the markets, invest everything in real estate/land and that would be that.

Leaving a potential finance industry and banks in the lurch, this would also remove the ability for central banks to draw on your registered funds, removing spendable money from the treasuries.

Well damn that would be bad.

This prof also asked very clearly as anyone who has critical thinking skills would do... "How do i get my real shares like when i had my old certificates sent to me?"

I laughed and said, "Find the transfer agent, tell your broker you want your shares to be directly registered with the transfer agent. I also confirmed it must be in BOOK.

He's going to follow the bread crumbs and confirm for himself. "If this happens to be the case, he will begin adding this into curriculum".

Now, wouldn't that be a way to spread knowledge. He also asked that I come and speak to his classes.

Edit1 - small grammatical errors. Edit2 - Prof. is personal finance

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