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Anyone got the YouTube live link for the 🥭 announcement in 10 minutes?
Live and Let Goon
# Bank of Japan expected to hike rates to 30-year high [https://www.france24.com/en/live-news/20251216-bank-of-japan-expected-to-hike-rates-to-30-year-high](https://www.france24.com/en/live-news/20251216-bank-of-japan-expected-to-hike-rates-to-30-year-high)
Thank you for your thoughtful responses. 1. My thought on this was just comparing the implied IRR of 9.62% (47.42->78 in 5yrs) to the discount rate, as I believe they should be roughly aligned. I suppose incorporating risk from the discount rate into the projections could work tho (this is something I haven’t done before and will look into). 2. That’s fair, high conviction is good to have. 3. Great point on the demographics. I often forget how different economic classes live very different lives. I wonder if there’s a US heat map to show nicotine purchases by product (to see if there’s a correlation between certain demographics and % of sales/certain products). 4.if researching more on the debt side, any convertible prefs / warrants would be good to know of as well. Similarly, if any debt is callable or if noncall periods have been elapsed (to get a sense if they can clean up the BS by lowering total debt a lil. I don’t think refis would be applicable so not too big of a deal on lock ups). 5. Both fed and state reductions is a good sign. Gotta love lobbyists being former insiders.
Spy dont do it you have so much to live for
# Bank of Japan expected to hike rates to 30-year high [https://www.france24.com/en/live-news/20251216-bank-of-japan-expected-to-hike-rates-to-30-year-high](https://www.france24.com/en/live-news/20251216-bank-of-japan-expected-to-hike-rates-to-30-year-high)
I always say I drive an F150 because while still a piece of shit, if you need a truck, it is less of a piece of shit than anything else on the market right now. Ram is shit, GM can't make a reliable engine in 2025 and if you live anywhere with inclement weather, their frames are paper. Toyota completely fucked the only thing worth buying their trucks for and is still accounting for more engine recalls for 2022+ trucks. They all suck shit, but the ford is the best at the moment
Ohhh okay you did the math fr. 2BR, townhome. My office is the living room. Her’s is the small bedroom. If double wide trailers had fiber internet - I could live in one for a year or two. We spend MAX 1k/month entertainment. (I’m averaging our once a year roadtrip that we spend like 5k on, plus all the little monthly expenses like YouTube premium/twitch turbo. I could cut out the vacation, but then what even is the point of living just to be in pain day to day (don’t ignore the medical, those only get more expensive every year, mine just started early). We aren’t doing Christmas gifts because we don’t really want any useless shit. If we need something, we buy it. We don’t do needless spending like Christmas/ birthdays. Oh and the state garnishes my pay because I fucked up my taxes years ago (thanks crapto).
they already are, they just live with mom and dad
NFA, but annecdotal for anyone reading this : I had never heard of on! prior to this post, but I also stopped using tobacco products roughly a decade ago and dont pay attention to what's behind the convenience store registers anymore. Immediately after reading this, however, I stopped off at 7-11 for a couple of items and took a gander at the back wall. What I saw gave me a jolt. ***For contrast, half of the wall is traditional smoking products, cigarettes, cigarillos, etc, but of the other half, which has dip, pouches, and disposable vapes, 2/3 of it were various on! products.*** As a reference, I live in VA about 10mi from Altria HQ on I95, the heart of tobacco country. The fact that they have gained that much presence that quickly when literally EVERY tobacco company is vying for space says a lot in my opinion. Furthermore, the last time I *do* remember glancing back there, there were *maybe* 3-4 rows of smokeless options, 1 row for the disposable vapes (Blū, NJOY, etc), 1 rows shared by Snus, Zyn, etc, and 2 rows of various dips (Copenhagen, Skoal etc)
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