US stock · Consumer Cyclical sector · Home Improvement Retail
Company Logo

Lowe's Companies, Inc.

LOWNYSE

184.69

USD
-3.17
(-1.69%)
Market Closed
15.00P/E
12Forward P/E
0.58P/E to S&P500
122.102BMarket CAP
1.70%Div Yield
Google Trends
Recent Reddit Comments

Ngl chick on the right low key babe

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Fwiw the rates are only high compared to recent years. They are low compared to most periods.

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Dude same, only been losing money on options, but it’s not like my judgement was always wrong, my risk tolerance was too low to hold them long enough when the market swings.

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No. I don't follow.

You realize that the cost of revenue is a large up front cost for content that will last them a long time, and that this number will be dropping off this year, right? Same goes for marketing.

On the revenue side, they now have 24m users, with low single digit churn, and they'll likely be netting more per user in the quarters to come.

So, yes.. they're losing money right now. But management says they will be profitable Q1 2024... do you disagree with management?

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A smattering of pharma, tech, and energy with a few ETFs and S&P500. The loss at their behest makes me want to dump them, but then again, pulling my account when it's at a low doesnt seem wise.

Both of them were started right around the new year.

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The point of this is so that you can invest much more money than you normally would. Because of this there is a low chance that when you win you only make $22. You would make much more. So your saying there is practically the same chance that it would go up or down. So there is the same chance it would go up 11% as it would go down 11%. If it went down 11% then with my stop loss for me only go down 0.09% (random number sorry) but if it were to go up that 11% I would feel the entire 11%. Lastly near the end I also talked about how you should use commision free online brokerages which accounts for the buy-sell spread.

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Way to go OP. Glad to see a sortof resolution since those front-ends are all waived and that was a big sticking point for you.

Its still ridiculous about the sp500 index and imo their "ultraconservative" core fund (treasury, stable, money market, whatever) is too expensive.

I think that you could still pressure the plan sponsor (biz owner) and/or PA (plan admin) to swap those funds with something low or no load unless their advisor can demonstrate why their index fund needs such a high fee. Perhaps you could pressure them into adding an SDBA option so that you can move money to that and avoid their picks. Keep in mind SDBAs typically have a 70/30 "leave behind" meaning only 70% of you plan assets can be moved to the SDBA. They also have to be moved manually, you cant set contributions to go straight to the SDBA

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Basic hedge question.

New to options. I’m looking for guidance on setting up a simple hedge. Just for sake of example, let’s say I have $10000 in SPY, and I’m expecting SPY to go to 360 or lower before it bottoms out, let’s say next 3-6 months. But low confidence. If I don’t want to liquidate most of my current positions, and my goal is to just stay flat for the next 6 months and avoid the volatility, what qty, value, and expiry date would achieve that? Or how would I calculate that myself? Obviously easier said than done just curious if some combo of puts would approximate that. Or if I should be looking at alternatives.

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With ETFs, investors buy and sell to each other in the secondary market, most of the time. Liquidity is a consequence of the conditions trading interests in the ETF securities are experiencing, rather than in the underlying assets. That’s part of the appeal - ‘withdrawals’ are funded through the identification and trading of interests with other investors. Capital isn’t withdrawn from the fund itself.

That is, unless, the ETF Net Asset Value and price per security diverge to the point where stabilisation measures are required.

Where the price is too low vs the NAV, the fund’s Authorised Participant will buy back its securities on the secondary market, and sell them to the fund’s sponsor/manager, which will then redeem/terminated them - to bump up the price per security (same NAV between less securities results in a higher price for each security). Sponsors/managers will fund these purchases by selling off the ETF’s assets.

Where the price is too high, the AP will buy blocks of newly issued securities in the fund from the issuer (controlled by the sponsor/manager). This will dilute the value of each outstanding security as a proportion of the NAV.

As you say, bonds are often relatively illiquid and difficult to sell. This means that where an ETF’s price per security needs propped up by reducing the outstanding share capital, the sponsor/manager may struggle to fund the purchase of the securities the AP buys in the secondary market, from investors, whose termination would facilitate the maintenance of the price per security at an acceptable level.

APs must deal with the ETF - through the manager/sponsor - at market/spot price. It wouldn’t be at all okay to put itself on risk by offering a discount or credit facility (massive, completely untenable conflict of interest between investors and fund management). So if the manager/sponsor can’t fund the purchase, the AP can’t buy from the market, the price will continue to slump, and unless investors decide they’re not prepared to hold at the depressed price and start selling off, and enough opportunity-seeking buyers are prepared to take the other side of those trades, then liquidity will dry up, and it’ll become more difficult to find either a buyer or a seller at a price investors on both sides feel willing to accept.

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The retailers are stretched thin too. The ones that keep getting slammed are the lower margin retailers. They can't really afford to eat these price increases either. Although a lot of these year over year comparisons are nonsense anyways because a year ago low income households had their stimmy to spend and now they don't.

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Yep been and will continue. Short term bearish long term bullish. Excellent opportunity for getting in at a good price. All I do is ask my self will asset X reach a new ath in the next 10 yrs, if yes than its a buy. It's that simple for me. It probably won't take that long but if it does still worth it with how low prices get. Accumulate than whether if the next bull run is in months or years your getting in at the best prices.

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JFC, I can't pay bills in a low class neighborhood, and you still talk about splurging. You don't know my life and what I've gone through.

I ask why you think those jobs you think I'm doing shouldn't be able to pay rent in the bad part of a town?

As I fall behind every month getting trained, how do I pay rent and feed myself w/a new $65 credit card bill?

There are people worse off than me, I speak for them as well. WHAT DO WE DO BEING UNDERPAID WHILE WE ARE BETTERING OURSELVES?

It really sucks to hear how disconnected from reality people are.

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IMHO the best approach is to discuss your plans with your family. You won't know what is going on so it really doesn't affect you. It does affect your survivors. It would be awful to make some legally binding plan that turns out to be very painful or traumatic to those you leave behind.

Donating your body does not preclude a memorial service. Lots of churches or other facilities will have space available at very low or no cost for such purposes. No funeral home involved.

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Nope low supply high demand causes price increase due to scarcity, that is called a shortage...inflation is a sustained loss of purchasing power

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The US is in the middle of a severe housing shortage – and it's making it even harder for Americans to afford homes.

It doesn't look like conditions are improving.

According to the Census Bureau, building permits for new residential construction dropped to a five-month low in April. 

Much of that decline was in single family homes, meanwhile spring homebuyer demand helped push home prices up 15.5% year over year to a median selling price of $424,405. 

"Builders still have a backlog of uncompleted homes to get through before they can break ground on new projects," Odeta Kushi, First American deputy chief economist, told Insider, pointing out that the number of single-family homes that have been approved for construction but not started is up 8.5% since this time last year, according to Census data. 

As housing inventory continues to fall short of the 1.5 million homes now needed to meet historically high demand, President Joe Biden announced an initiative that aims to address the crisis. The White House proposes using federal dollars to boost the affordable housing supply. While the move may be a step in the right direction, experts say more will need to be done to attract workers back to the homebuilding industry and bring down prices on supplies — the two key areas causing the nation's dearth of available housing inventory.

"President Biden's plan to address housing affordability challenges is a welcome development, but the administration needs to focus more on resolving rising lumber and building material prices and supply chain bottlenecks that are raising housing costs far faster than wages," Jerry Konter, chairman of the NAHB, said in a statement. 

Building materials are hard to find — and they're also really expensive right now

In 2021, more than 90% of builders reported delays and materials shortages, according to the NAHB. As home builders struggle to find basic materials like lumber or steel, it's delaying and increasing the price of construction projects.

"Shortages of materials are now more widespread than at any time since NAHB began tracking the issue in the 1990s, with more than 90% of builders reporting shortages of appliances, framing lumber and oriented strand board," NAHB researchers wrote. 

Even when builders do get their hands on materials, the cost is burning a hole in their wallets. 

According to the Bureau of Labor Statistics, the prices of goods used in residential construction have climbed 4.9% since the start of 2022  and 19.2% since this time last year. Overall, prices have risen 35.6% since the start of the pandemic – and they're likely to continue rising. 

Although the Biden administration has moved to lower tariffs placed on imports of Canadian softwood lumber, the NAHB says price spikes have added $18,500 to the price of an average new single-family home, while driving costs up nearly $8,000 for a multifamily home. 

"Historically high price levels for lumber and other building materials are dramatically affecting home prices and rental costs and threaten the nation's economic stability," Konter said in a statement, adding that supply chain price increases have only added to the ongoing housing affordability crisis.

The lack of building materials is driving a construction  labor shortage 

The US can't build more homes if there's no one around to do the work.

During the onset of the pandemic, fear of this virus' spread contributed to the delay of many construction projects. As building came to a halt, thousands of construction workers were either let go or sought out employment in other fields. 

Supply chain bottle necks  have also "damaged the livelihoods" of workers in the construction industry, resulting in notable job losses, according to scientific research publication IOP Publishing. After all, if workers don't have materials, they can't work — and that means they have to look elsewhere for a paycheck.

Although residential building construction employment has now surpassed 2020 levels, the  industry is still facing a chronic labor shortage. According to the Associated Builders and Contractors association, the construction industry will need to attract nearly 650,000 additional workers on top of its normal pace of hiring in 2022. Additionally, the organization expects an estimated 1.2 million construction workers will leave their jobs for other industries by the end of the year.

"The workforce shortage is the most acute challenge facing the construction industry despite sluggish spending growth," Anirban Basu, ABC chief economist, said in a statement. 

The less construction workers there to build homes, the longer it will take for the sector to increase its supply of housing inventory. Although buyer demand has shown signs of cooling, the slower pace of construction is likely to keep home prices relatively high – and that could mean the imbalance of supply and demand will remain a  fixture of the US housing market. 

"A skilled and capable workforce that is adequate to meet our nation's housing demand is vital to home builders," NAHB researchers wrote. "Despite competitive pay, the home building industry continues to experience labor shortages, which impacts housing affordability."

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Growers have a low P/E, showers have a high P/E. Ezpz

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Business insider is ban huh? Well replace with another article showing low housing supply in the usa Thanks

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Low supply high demand causes inflation. Force ppl to stay home and not produce anything? Give them all money. Are you a regard??

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They control the price. They buy the dip and sell the high while retail buys high and sells low.

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do U actually live in low income housing? Isn’t that hard to get into? SF is crazy expensive. Most of my peers actually are from there but they live in family. However they have no ongoing issues so it’s all good for them. I’m figuring out where I want to move tbh. I gotta be careful w/ sf haha… homeless camps have tripled since Covid XD

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Lulu fucking lemon

The girls are hot in their clothes

But that stock gonna drop down low

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Sorry, your submission in /r/stocks has been automatically removed due to Rule 3: Low effort.

If you just want to post 1 liners or just want to know everyone's thoughts, then post a comment to our daily discussion thread which are generally stickied or click here.

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One suggestion:

Pick the credit card that (1) has a higher limit than what you spend in a month and (2) offers the most/best benefits for you, and make that card your almost-exclusive expense card. We use our Amazon Chase card for nearly everything we buy. In order to keep our other accounts open and our credit score up, we put one low recurring monthly expense (e.g. Netflix) on each of the other cards and set those to autopay from our checking account.

We use Mint also and I’ve never had a problem connecting to the Amazon Chase card (or really any of our other credit cards (I’ve had some issues with loan and investment accounts though). I check Mint regularly and know whether we are spending too much in a month just based on the Amazon Chase balance, since balances on the other credit cards are always minimal.

I personally wouldn’t use a cash budgeting system unless I was really having a problem with my expenses regularly exceeding my income. As long as you can pay balances in full each month, credit cards provide flexibility, transaction protection, make it easier to track expenses, and help you build a credit history for future large expenses.

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Traditionally Pension funds held mostly bonds, and I know yields had been low, but then you don't lose fuck ton of money you cannot afford to lose. I know decade of Central Bank printing trillions have fucked have gaslit everyone into thinking stonks only go up and there's no risk, but once the faucet is turned off, you will see how quickly things get ugly.

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Bought some shares in the low 20s. RSI was also in the 20s at the time. Ran out of sellers and bears gotta cover their short positions eventually

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Warren’s days are numbered. Both as the head of Berkshire and in the mortal realm.

With that said, his cost basis for apple is insanely low. Apple will literally have to hit below 100 to really have any meaningful impact on his portfolio.

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Stocks are real low low homies

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Thanks, I appreciate your input. I do have a credit card with 0% it just has a low limit. I only use it for gas. I don't really want to end up taking a credit hit if I max out its utilization so I was just kind of trying to avoid that option if I could. I appreciate it though I'll make a plan and decide what I'm going to do. I don't want to miss this opportunity but I might have to.

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It’s mind numbing… every week someone asks about international and then the same thing happens.

Someone will make a statement about not needing international and then the Must Have International Exposure Sales Team comes out and starts some kind of debate with the same loose points.

It’s all future telling! Both sides! We don’t know what will happen in the future.

You might buy those International $30 shares for years and get you a big stock pile cheap in the hopes it will out perform VOO then you can buy low/sell high.

There have been decades International out performed S&P. you would simply be buying shares right now at a lower cost.

Me personally? People have been pitching international since I started on Bogle heads in 2010

It’s still flat…. and right now is down in the crapper just as much as everything else.

The other side? keep it simple and ride the wave. VTSAX. no one knows the future. focus more on savings rate in my opinion. what you can do to get a better job making more money and investing more money. Cut consumer crap out of your life and focus on accumulating.

The piddly arguments here are worthless. Worrying about adding international or not is when you’ve got the big $$.

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long horizon - buy low

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Hmm wages are up a lot and unemployment is really low…. Definitely didn’t do that right

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Zoom ZM is on monday, how low can this shit go down?

I feel sorry for Cathie's bagfolio.

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sad to say this but its gonna hurt a bit to see it go that low

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Anything meant for low credit or no credit. Better to go with no credit. I'd recommend mastercard is easier to get approval with no credit. If your a student you may want look at getting one from your bank or credit union.

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I’m in the casino industry. Low play is already declining, while high play is taking off.

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Can’t find anything so high to print like TGT. Macy is low, so is best buy. Fuk

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The article is 2 months old and has data from the last 2 years that says you are wrong

So there goes that attempt

You aren’t understanding of why they dropped earnings-

  1. They didn’t sell the stuff they thought they would

  2. They sold merchandise with very low profit margin because they decided not to pass inflation on to consumers

  3. However their overall sales and foot traffic were good

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A used Bolt would be perfect for your situation, low mileage Bolts are <$20k. They’ll either have a new battery or will get one soon. The fire risk is very low if you look at the documented cases. Just park outside until the battery replacement.

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Don't buy puts after we just popped a new 52 week low during opex. Good chance there's another rally early next week back to 410. That's when you buy puts.

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Jesus Christ. I study water resources systems for a living, and you are flatly wrong. Period. The Colorado River's historic low flows are largely due to climate change, not due to "lawn watering" (one is delivery, one is consumption). In fact, the US Southwest has been in the grips of an historic drought for the last 30 years due, in large part, to changing climate patterns. Evaporation rates have increased significantly from all major reservoirs in the Colorado River system and from the river itself (and frankly other river systems in the US West and other arid and semi-arid regions around the world). This is in addition to year-over-year declines in high elevation snow pack, earlier spring and late winter runoff (high elevation snow pack used to last far into the summer providing stream flows when they were most needed, now it runs off up to three months earlier before crops are in need, and as as a result more of it is lost to evaporation). As I said in my earlier reply, a reduction in available irrigation water will have an immediate effect on crops this year, as some people will not be able to plant due to both limited water supply and due to the largely arcane water rights rules in place in much of the West. The effect will be small to begin with because most farmers will find supplemental supplies (i.e. groundwater) or will change irrigation strategies to reduce evaporative losses. Another effect will be on municipal supplies. For instance, the Southern California Metropolitan Water Authority recently restricted outdoor use for the first time in its history. Much of the municipal water supply of Phoenix and central AZ comes from the Central Arizona Project, which is fed by the Colorado River that are running dry. Same with Las Vegas.

The global water cycle is changing rapidly. As predicted years ago by climate scientists, drier places are becoming drier, and wetter places are becoming wetter. Both are bad for agriculture. One starves crops of needed water, the other causes soil moisture to be too high for roots to become established. This is all due to man made climate change. This is irrefutable, and is no less so just because you refuse to believe it. You want references here you go. Please take some time to learn about the topic before mouthing off about it:

https://climate.nasa.gov/news/3124/global-climate-change-impact-on-crops-expected-within-10-years-nasa-study-finds/

https://theconversation.com/climate-change-is-affecting-crop-yields-and-reducing-global-food-supplies-118897

https://news.ncsu.edu/2020/08/climate-change-crop-yields-and-risk-management-for-farmers/

https://allianceforscience.cornell.edu/blog/2020/11/global-crop-yields-projected-to-drop-as-temperatures-rise-new-study-finds/

https://source.colostate.edu/climate-change-shrinking-colorado-river/

https://lasvegasweekly.com/news/2022/may/19/climate-change-continues-to-impact-lake-mead/

https://phys.org/news/2022-05-climate-big-shift-amount-snowmelt.html

https://www.hcn.org/issues/53.9/infographic-drought-the-incredible-shrinking-colorado-river

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I took a listen, got about a minute in before I realized there was singing already happening. The voice is too low.

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Chicago, low income south side, smaller 1bed sized units.

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So what are the chances of hitting a new low next week? This week we had retails shitting themselves, so what about next week?

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Interesting idea. GPS looks like they’ll get screwed if they fumble earnings. Low net income % and some cash in hand but not enough to last that long so might face longterm issues.

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Combined net is stated at $240k, so being really conservative say that 30% more for a gross number.

So around $312k gross with 2 people. That'd be significantly low for a director level position in the bay area.


Not saying it's an objectively low salary, just for that geo.

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She can write you a check for the balance. Sums larger than that move every day, not a big deal.

For investment "ideas" just follow the Flowchart and go with broad low-cost index funds. Consider backfilling into your 401k (if you have one you aren't maxing) before opening a taxable brokerage account. But in general the Flowchart will give you good advice on where to go next no matter where you are on it.

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We grew up similar. We both spent part of our childhood on the free / reduced school lunch program. The 70's sucked.

But we also grew up different. After my parents divorced and finished Grad School, they both got good jobs and I had trouble adjusting to them having some (not a lot) of money.

Wifey took out student loans to help with school (along with considerable work study and pell grants...they were much more a thing back then)

Listen to some Dave Ramsey and about the Envelope System. See if that fits what you need, and talk through it with her. If you're putting $20 a month into the "fluffy-care" fund, you can only take fluffy to the vet once you have enough to pay for it.

Starbucks would be "entertainment" or "fun money" or "mad money" or something like that. If she spends all her fun money, she can't go to starbucks anymore until there's money in that envelope.

Really the key is to set realistic budgets, and to let her spend her "personal budget" line item how she wants. You don't get to tell her how to spend it. You get to negotiate to the budget line items and amounts.

We actually never budgeted. My form of budgeting is if the checking account got too low, I'd talk to her a little. We also have always in 35+ years paid off our New Balance in full, on time, every month. And we save.

If you're saving and not accruing debt, I'm not sure I'd worry about a strict budget.

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Hit .38 fib on SPX (covid low to peak), reversed immediately...market been looking for buyers, found them at that fib.

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Statements:

  1. Disclaimer - I am not a financial professional and while I'm successful investing I don't know you or your goals.
  2. I would not be ok with the fees if I was dealing with a financial advisory. Reason: They suggest products that they get commissions on, independently of your best interest.
  3. I would be ok with the fees if I was dealing with a fiduciary. Reason: They only operate with your best interests in mind or you have legal recourse.

Fact:

The 10 year average return on an index fund is around 9.5 percent.
The 20 year average return on an index fund is around 6.5 percent.
You are being quoted 6.5 percent for a 10 year scenario on their diversified portfolio

Advice:

I would not go to a financial advisor associated with a bank. I would find my own fiduciary firm to deal with and seek advice there. Based on numbers I would ask myself how long I plan to hold the investment.

I expect that your current advisor is hedging on the low side of the percentages based on the historical 20, the fact that the markets are receding and they need to make their commissions. Shop around before you commit.

Also, most people can't count on their family members to know how to balance a check book. You've got a significant start on retirement there, don't blow it by making dumb choices based on what's convenient. Trust your gut and get a fiduciary.

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Today we made a low on the 32.8 fib of the 2020 - 2021 rally.

The Fib Gods and Lord Elliot say 161 extension, which is 5500 SPX.

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It should be low $100 by end of June to stay…assuming NVDA earnings help and don’t hurt it. Then they report August and will fly from there.

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Never listen to what the fed said. E.g. they said they'll keep rates low don't worry, inflation wasn't coming, transitory, etc. Now rates are skyrocketing, people that levered up thinking rates would be low are getting killed, and people were gaslit in to thinking that inflation wasn't coming. They know what they're doing. They can't ever explicity say they're going to do things bad for the market or they tank it. They have to make it look like nothing bad is ever going to happen at all times.

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Cry pto didn't come back up Def dropping to a new low on monday homie

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I’m in a similar brain space with the xc40. I’m still determined to get a 2019 with similar miles on it.

The price differential from new is about $10k from what I’ve seen, and I have seen some high quality low mileage options. Right now waiting on the right combo of package specs with the interior color I would like to have. Enjoy your new ride!

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Any business loans you could possibly obtain without any history of income are going to be high interest. 0% or low interest credit cards are your best bet until you can prove business income/profit.

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I mean it all kind varies depending on your risk tolerance among other things.

I tend to be more of a growth style investor, so my portfolio is very volatile. Volatility is especially risky when you are playing with margin.

Some people here hold lots of Call options in margin and no hedges which is extremely volatile and in my opinion not a good idea. The more volatility your portfolio has the higher the risk of being margin called.

My experience with using Margin is that significantly impacted my buy & hold mindset when the market would start down trending. I don’t panic sell when I’m not holding margin. But when I’m using margin I’m more likely to “buy high & sell low” instead of buying low and selling high. So I’m generally not a fan of margin tbh.

If I were to start using margin it would have to be a low % rate and during a more bullish market, and I would probably still keep assests or cash in another account to tap into if things started heading south to avoid a margin call.

Back when I was using margin I was compulsively checking my portfolio everyday, now that I’m margin free I check it probably once a week. It’s significantly less stressful not to have debt and have fear of your assets being sold at a loss.

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Local SEO for a home-service based business is one of the easiest things to rank for in terms of SEO. Try ranking for things across the country or globally. I rank 1st for my business locally without even trying in a semi competitive industry and the websites I build that need local rankings, rank on the first page with such basic SEO in low competitive industries within a month and I don't even offer marketing services.

You don't understand how this works and your being a dick to someone who could have helped you understand.

But it's obvious from your reddit history that your a dick. You should stop hating the world and focus on that since that's obviously going to rub off to customers/clients during your work and thus effect your business negatively and unhealthily stress you out - which it appears its already doing.

Cheers.

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Right? I made 6 figures this year which feels amazing and it's still kinda low compared to these people.

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Most young people don’t earn enough to save money every month. You try to save for a house, retirement, car repairs, etc; and there’s just not enough to do all of that. Wages are very low compared to 30 years ago, so it doesn’t seem realistic for the average person anymore

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I'm somewhat new to options and using these times as a learning opportunity. Are long calls/ puts a better idea than Cash-secured puts or Covered Calls? They seem to be a safer bet, but it is kinda annoying that the upside is generally pretty low

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All of these reasons most important to least:

Shorts covering for the weekend.(after hitting a new low it makes zero sense to hold when it’s going to do a dead cat bounce)

Last wave to eat peoples puts before next week.

Options expiration.

all the free options brokerages making people force sell for the actual move.

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I'd say finance, the rates should be relatively low, and inflation is pretty high. It's actually that sweet time where rates haven't caught up.

Just make sure you can pay it off if you want, without penalty.

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Just read your post from a year ago about deciding not to buy in SF - we are very similar! Many of my friends are buying now, but often they are couples with a very high combined income or family help (or both), and still often buy in farflung areas. There are many financial advantages to owning a house and tons of cultural pressure, but I don't want to be housepoor. Working in an intense job and then having no money to travel or living in fear of losing my job - no thank you. Would rather travel and have kids. What's hard is trying to predict out how I'd feel about my investments if there was a downturn and an unprecedented buying opportunity. I just feel like there are still so many buyers rattling around ready to make all-cash offers, and so many people who have now locked in super low mortgage rates, that barring another pandemic or other disaster, there's no chance we will have any significant downturn in real estate in major cities - maaaaybe a flattening. Maybe. Some hot markets will bullwhip but not the most consistently expensive ones. I could imagine some of the wealthy coastal cities see a slow drain of higher paying jobs to Atlanta/Denver/Seattle/Austin/Nashville/Miami etc, but there's still enough wealth and pent up demand otherwise I don't real estate budging at the low end.

I do think a crazy crazy period of wildfires/drought could bring down California real estate in particular (and maybe flooding in NYC?)...but then who wants to be left holding the bag 😬?

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not until it gets back to 2019 prices on the low end, or way below IPO prices for newer tech stocks.

the macro environment is a lot worse now than it was in 2019, so you gotta discount accordingly.

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Buy as high and sell as low as you want, but don't do it more than 3 times in a day or you can't do it again for 3 months!

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People can't accept conservative policies that only capture wealth for the .01% are hurting anything. They can't accept janitors and cashiers living decently. Those people must suffer low-wages to be inspired to achieve greatness, don't you know.

It MUST be the plebs fault because they are flawed, unlike them.

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Dude everyone knows it’s supply and demand. When you’re in the sky, I’m a jet- supply is low, therefore the cost reflects that.

Hell I it’s also cheaper to buy a Taiwanese hooker, unfortunately- they’re only in Thailand.

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My risk tolerance is way too low to be playing with options, but the idea of just bagging just keeps in.

Haven’t bagged even once. All I do is lose money.

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> Yea except the time gap between an increase demand and supply to finally meet it is absolutely insane. It's going to take years to catch up to the demand meanwhile vet appointments are booked out months in advance at any decent practice that pays well.

Right, but luckily the sorts of incentives we're discussing here don't lead to drastic and immediate changes to workforce composition (unlike, say, a walkout or a strike, where that disruption is the whole point). Like almost all economic change, it works from the margins.

> My fiancee's practice is booked out until January for dentals and roughly 3 months for soft tissue that isn't urgent. It took them a year to bring in another doctor and they only wanted part time. Mind you this is in a location where the cost of living is still relatively low and the pay at the practice is 30% + what the national average is.

Sounds like they're not paying enough to attract the talent they would otherwise like to hire. This isn't super surprising; the national average pay is pretty much only meaningful if you're the BLS.

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>I am in no way thinking I'll ever access that money for a various set of reasons, and thinking otherwise is ridiculously optimistic.

Man, I couldn't disagree more. I think the chance of that account just going poof are so low that it's not even worth thinking about. Unless it's something tied to your employer and you think that company might go tits up. But if it's because of systemic concerns, I really have such a different mindset.

The UK is projected to get 15% more rainfall by 2050. Listen, I'm not saying climate change isn't a massive concern, but in our lifetime, things aren't going to get so bad that world superpowers fall because of it. And if you don't have anything saved by 2050, I believe your biggest issue is going to be personal finance and not global climate.

>I want us to not have to face said worst case scenario.

I totally agree, but I don't think that not saving money has any effect on this. Prepare however it is you need to to feel comfortable, but don't neglect your financial future unless you've really really come to the conclusion that you'll die from an environmental issue before retirement.

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Where was tesla at pre covid?

Have you noticed what’s happened to all meme stocks and what’s happening to the broader market?

It was all leverage, low interest rate and stimulus driven call option buying. Tesla is going back to it’s pretty covid valuation and possibly lower.

Keep holding these bags tho.

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Stock Price pays not things like PEG ratios . Doesn’t matter how low the PE ratio if the stock price goes down. Look at intel

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I recognize a couple names on here because they work in banking as do I. Here is the truth. The police is going to do absolutely jack about $95. Even if there was video of the person doing it, it is so low dollar and falls below their internal thresholds. Does this mean you shouldn't file a police report, no absolutely file one. Some jurisdictions let you file digitally. Just expect it not to be investigated.

As far as the bank is concerned, it is likely too low to work as well. It is right at that borderline for most card shops where it is cost effective to pay and not investigate vs investigate and work due to how much resourcing cost. As someone else stated you need not worry about the details. Let the bank worry about it and move on. Change passwords and update any information that your ex may have such as email passwords, or other logins.

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What wonderful dialogue. Truly stupendous your contribution.

Nearly every single person that I know that has had any desire to own has done so in low or middle cost of living areas.

If you live in the midwest, make 50k, and starter homes are 150k - it's really not that unrealistic.

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Is that who you are talking about or does that seem a little bit low for him to have 1-2k views per video? Some vids popped off though

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Cheap is relative. Just look at GOOGL balance sheets. And then look at boomer value stock balance sheets.

GOOGL has 140 billion cash at 1.4 trillion market cap. CASH, not stock holder equity which is even higher. Under 20 P/E. They could keep this P/E and take their price way up if they wanted by gutting a few growth projects that aren’t making money yet and keeping their higher margin businesses.

MCD has a negative stock holder equity with debt (whatever being a real estate company means). With inflation, if their bottom line goes up, their earnings are gonna shrink. 24.6 PE makes total sense because it’s value stock?

KO’s stockholder equity is 22 billion at 264 billion market cap. 25 PE. Are they really going to grow earnings in this environment? But value stock apparently.

Take a look at AAPL’s balance sheet which is a fortress and their income statements.

Yes, you can speculate that apple’s gonna stop selling phones and Google can’t make any money in a recession while people keep drinking sodas with their fries, which maybe right.

But in a longer term frame which extends past a recession (however long that maybe), there doesn’t seem to be anything cheaper than tech stocks at the moment. Certainly not retail or low margin consumer goods companies.

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I hope so.

I like DYG just because of how low it is and the fact that they have some nice assets. 182k inferred ounces right now. For those new to gold, inferred means gold that's estimated on the ground based on initial surveys (ie: trenching and initial drill holes).

The fact that they have these ounces now, at the current stock price, leads me to believe that their upcoming exploration plans have a lot of existing data to plan their next drill holes to move those ounces to the indicated and measured category, thereby potentially increasing their net asset value of the Thundercloud project.

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I'm used to buying jasmine rice for a little less than $1/lb, but I also buy it in 50 lb bags so I go a year or so between buys. I'm starting to get low so I was checking it out at the grocery store and it was like two bucks a pound! Fuck that

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The easy answer is to open an individual account with a company like Fidelity, link your bank account, transfer the funds, and then use the funds to purchase an index fund. These are generally really low fees (if any) and are more diverse since they target the entire index and not an individual stock. Right now, things are down in the market, and may go lower, so short term you may lose money, but long term, like 30 years long term, has historically always done well.

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u/St0nkHodler I don't know what you are talking about - Wedbush (Reese) is high on the future rebound opportunity. Low historical numbers is not what she is forecasting forward. Even if she is not bullish on $AMC valuation, she is on return of the box office for the other exhibitors

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Disclaimer: Sort of a rambling post, just wanted to vent and I suspect a number of people here can relate to this.

I know the common advice is to retire to something and not away from something, and I've always sort of been emotionally planning for the latter - retirement appeals to me primarily as a way to never again have to tolerate moments of work stress or anxiety. I don't particularly have anything in my personal life that I think "I wish I had the time to do this more often", I've always had a good deal of free time. So my philosophy towards retirement fluctuates regularly - in moments of relaxation I often feel somewhat bored, and by the end of the weekend I feel like working isn't so bad after all. Then I go to work and as soon as anything stressful happens I want to retire again, and ASAP. It's frustrating feeling like I can't trust my own desires.

I don't like to travel and my hobbies are pretty low key. I have some ideas for hobbies that could fill a lot of time, but none of them am I so passionate about that I'm doing them with my free time today. I tell myself it's only because I'm too emotionally drained from work but I think that's just an excuse. Rationally when I think about my dilemma I feel like CoastFIRE is probably a better fit for me, and that's probably the advice I'd give someone else - I could find easier work in my field that keeps me busy while hopefully not triggering the same feeling of stress, and then maybe I won't want full early retirement. But if I did want to retire ASAP then my current high-paying job is the way to do it and I'm very close, so I'm really struggling to give that up. If I just knew with 100% certainty that I want to work for a few more years or longer, I would probably quit my job and take an open-ended hiatus until I feel my burnout is resolved, then look for something that's less demanding and work remotely. But it's really hard to say with confidence that I actually want to work when I'm in the middle of these feelings of burnout.

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So CDC posted this:

https://wwwnc.cdc.gov/travel/notices/alert/monkeypox

Which among other things says this:

> Risk to the general public is low, but you should seek medical care immediately if you develop new, unexplained skin rash (lesions on any part of the body), with or without fever and chills, and avoid contact with others.

So I just need a rash and my employer should cover my paid LOA?

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Technically, inflation keeps that "breakeven point" of demand and supply for housing higher for the average person to choose to get a mortgage and acquire property. So it's definitely a factor.

On the Supply side it reduces the pace at which we are able to build, it also incentivizes building higher quality, lower quantity units on the same lot size. If costs are consistently increasing why invest in material, land, etc for a product that won't give you a decent return? This essentially insures that the majority of property being built is already aimed at the upper echelons of earning potential and in such low quantities that competition remains fierce.

On the Demand side it keeps the average person from developing enough savings to make a realistic loan payment. Unless we start seeing 40, 50 year loan terms that isn't going to change. If you can't make that monthly payment because all of your costs are eating up whatever monthly income you have, the calculus of you affording a house changes.

Hell, it's not necessarily inflation, but where I live it's land value tax reassessment time, and a whole lot of people are waking up to the reality of a much larger tax bill going forward.

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I very clearly said it's up... but you can't just ignore that it's also 50% off its high and you're calling it a hedge for a market that's only 20% off the high.

The point is it has positive correlation with the market, and BC moves more drastically than the S&P. It's only keeping your portfolio green if you bought it at a very low cost several years ago. You definitely can't assume that it will always grow fast enough to offset stock market losses.

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Tesla will probably hit low 500s or lower when all is said and done

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yes good advice buy low sell low then the riches come in

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Buy high sell low

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Maybe they were just being defensive bc you low key said you’re trying to escape working the loser job that. He holds , lol

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I think recognizing a potential issue in the future and adjusting your behavior and decisions to address that issue accordingly is the opposite of fatalism. I think people see 80 year olds in pain working low wage jobs and see themselves. A lot of people, not just millennials and Gen X are saying, “fuck it, might as well enjoy today.” Not, “I give up.” Oh and you’re doing something about it? Good for youuu. I think to dismiss an entire generation of peoples’ attitudes around their hardship is in no way helpful, and calling them doomers is a way of delegitimizing their experiences. Just because life is hard elsewhere doesn’t mean not being able to feed your newborn here is somehow a high standard of living.

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https://www.reddit.com/r/Bogleheads/comments/ry3oij/but_didnt_bogle_and_buffett_say_usonly_investing/

Bogle himself would actually likely have been even better off had he invested internationally (had he had access to the low cost funds available today; doubly so if he had only lived to average age instead of about 10 years longer).

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Nothing about this is worth it. You’d probably have to spend 12+ hours of doing this to get one sale in return… That’s assuming you have a low ticket product.

Your time is better spent elsewhere. If you want a few hundred followers to make yourself seem somewhat established, sure, this might be worth a shot.

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Minor point, … the 529 contributions seem a bit low. What if he goes to Duke, or Yale?

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Clearly, he bought his Subaru low. Hopefully he sold it this year due to price increases on used car. More than likely, he'll diamond hand his Subaru and end up selling it lower. So in the long run he actually bought it high and sold it low.

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This is nothing more than Bernie Sanders Seattle style basement dweller bullshit. The QE in 2020 should have never happened so yes the stock market was purposely inflated, and why because of Covid? Makes no sense even then. Printing 6 Trillion doesn't help poor people and it certainly doesn't help the middle class. Why create a fluffed up stock market in the first place. Who is that really helping? It's sugar that wears off, so yes the rich get richer and the folks who started to invest who don't understand markets get crushed. Powell should have kept rate hikes in place in 2018 thru 2019, then a cut in 2020 would have been less destructive than expanding the Fed balance sheet.

As for me, my losses were mostly in retirement accounts from money put in over 10 years ago. Like most people who don't speculate either way with those, do you think after these sharp losses it's good for most Americans who don't even speculate in stocks? I knew back in 2019 that something like Covid was going to happen in 2020 because those Dem fucks spend 3 years on bullshit investigations and impeachments for what? Yeah call me a conspy theorist, I know the psychology, we don't have a political system that will allow for a well run economy anymore because everything is politics now. In the modern era a well run economy with no wars, no more rigged trade bullshit from the Chinese, less regulations on energy, and low taxes is viewed as racist and bad for the climate.

We already knew what an economy run by bad energy policy looked like under Obama and Carter, but we still have to constantly hear idiotic narratives because too many people sold on socialism don't want to earn an honest living anymore, so it's always a climate crisis, or everything is racist. Having controls and accountability over borders and trade is racist. You say that's fascist to think like that, it's happening in plain sight, there is video and data everywhere on this reckless policy and it's effects. They come for the freebies, it's obvious and it's also unsustainable. Don't you liberals ever get tired of all this childish nonsense? Nothing but lies and bullshit for cheap future votes. That concept along with your idea about the oil market and cars makes you look like a total moron with no common sense who just likes to just gobble up and regurgitate leftist narratives. I'm done here, you have shit for brains dude. Good luck with that. 🤡👍

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What helped me with my wife if I compared it to homes, cars, products, etc. and said we don’t think buy high sell low there - why use that logic to stocks. It helped her realize down markets are buying times - whereas before she viewed down as shit we need to slow down/get out

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My house is paid off and I’m thrilled about it every single day. Best thing I ever did. Low living expenses, peace of mind, and lots of money to invest every month.

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Recent Tweets
Cheap put options and hedges: $LOW puts cheaper than 89% of history, $KEY 89%, $HAL 89%, $OXY 89%, $NVAX 89%, $FL 89%, $EPD 89%
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$LOW ~Earnings reports today before the markets open,. https://t.co/kAgVaGTZT3
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$LOW #lumber price check Huntsville, AL. Interesting to note previous 2x6x10 SPF is now swapped for SYP https://t.co/0I3wfUbFOj
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It worked! We are playing Primavera LA this summer and then back early 2023.
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Just Announced: We've added a second show with @lowtheband + @dividedissolve on Thursday, March 30! Tickets are on sale n-o-w. @folkYEAHevents Presents: https://t.co/lq1s8JV5OH https://t.co/5HuH6bvFEL
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gonna conduct an evil ritual to get @lowtheband to play in los angeles
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There is but one rule: You must be LOW at protests. @lowtheband
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Asphalt Meadows Tour is on sale now for all shows except Washington DC (general onsale 5/27) and San Diego (onsale date TBD, stay tuned for more info). Looking forward to having @lowtheband and @TheRealYLT with us on select dates! Get your tickets at https://t.co/5eeVmyJU2X 🎫 https://t.co/J4SxKFIrjT
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Foot Traffic was down in $HD and $LOW double digits year over year. https://t.co/oljV4UpVrv
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$LOW - Lowe's beats earnings, but misses revenue estimates https://t.co/jgTdj3Hry0
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$LOW earnings: - EPS: $3.5, est: $3.23 - Revenue: $23.7B, est: $23.76B https://t.co/IT1bYdd76A
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$LOW negative Q1 ; FY22 reaffirmed Revenue -3% comparable sales -4% Net Income +0.5% Diluted EPS +9% OCF -34% (mostly working capital /inventories) FCF -35% Buybacks $4.0 B Reaffirms FY22 outlook https://t.co/77zO42jjnm
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Lowe's's quarterly revenue growth rate YoY of 5.10% ranked 2686 out of 5731 companies in our database. https://t.co/UauM9PwvQ4 $LOW 🚀🚀🚀🚀🚀 https://t.co/Y9wREu7TXF
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Earnings for Wed, May 18 (BEFORE THE 🔔) $TGT Target Corp. ⏰ 6:30 AM ET 🎯 - EPS: $3.02 | Rev: $24.42 B $ZIM ZIM Integrated Shipping Services Ltd. ⏰ 7:00 AM ET 🎯 - EPS: $12.65 | Rev: $0.00 M $LOW Lowe's Companies, Inc. ⏰ 6:00 AM ET 🎯 - EPS: $3.24 | Rev: $23.78 B
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Housing slowdown? Home Depot isn't seeing it. Solid results. Will Lowe's impress as well tomorrow? My story. $HD $LOW https://t.co/hvQvtn3slQ
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I swear every time we leave the country, some stupid racist republican shit goes down and coming back feels weird. I remember being in a cheap hotel in France when Bush “won.” Now all this. Love to all who suffer and mourn.
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