2021.11.30 15:52 CronicaMike Character Generator Challenge (With Ross Draws)
|submitted by CronicaMike to Drawfee [link] [comments]|
2021.11.30 15:52 Intelligent_Ad_825 🦸 SuperBNB | 7% Automatic BNB Rewards | Just Launched | Huge Marketing 🚀 | Dont Miss Out 🚀
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submitted by Intelligent_Ad_825 to CryptoMarsShots [link] [comments]
2021.11.30 15:52 bad_at_formatting Anyone know where to buy/rent/borrow/acquire in some way colorful table linens for a less outrageous price???
This isn't even my wedding, it's my brother's wedding and my sister and I are planning the mehndi/henna event since the bride isn't as familiar with our culture and she's already planning the wedding day, and I'm looking at linen prices and they are just. So much!! Our budget is pretty tight for this event because culturally we do 3 events total, so we're DIY-ing as much as we can.
We only have 6 tables and only need 6 tablecloths!! We wanted to match the brides dress, and have 2 fuschia, 2 burgundy, and 2 marigold yellow/orange tablecloths and its like. 72 dollars to rent, and just as much to buy em.
I looked at so many alternatives. Buying bulk white tablecloths and dyeing them is the same cost, making my own and just buying fabric is the same cost, and just aaaaahhh.
So far, I'm thinking of getting 6 plastic round table cloths and 6 satin table overlays in the right colors, which will be half the cost .. but i'm worried it'll look cheap!
Does anyone have any recs or places to look?
submitted by bad_at_formatting to Weddingsunder10k [link] [comments]
2021.11.30 15:52 Informal_Resort_5180 Do you miss your grandma's cooking as well?
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2021.11.30 15:52 shadinski $7 for Reach shoulder armour only usable on a core you can only access if you pay $10 very cool and normal 343 thanksss 👍👍
|submitted by shadinski to halo [link] [comments]|
2021.11.30 15:52 zombmaniac2020 Starting archery in the UK what bow for a beginner?
2021.11.30 15:52 BigBangFan23 More free subs
2021.11.30 15:52 Trojancorpse Coinbase Earn - $2 extra CLV & $1 extra ANKR
Just saw someone else post about USDC - so decided to check my coinbase earn. USDC not showing however it is showing an additional $2 to be earned on Clover Finance token (CLV) and $1 for ANKR token. This is extra on top of what I have previously completed quite some time ago.
Not completed it yet, so no answers, but worth checking your accounts
submitted by Trojancorpse to beermoneyuk [link] [comments]
2021.11.30 15:52 ShortAlgo $CMCO Waiting for Buy signal
|submitted by ShortAlgo to UltraAlgo [link] [comments]|
2021.11.30 15:52 stevetheroofguy Dividing for V-Neck
Can someone explain how to cast off multiple stitches in the middle of work? I found this video but she just says wrap the yarn around a needle and bind off without showing the bind off. Any tips would be appreciated.
submitted by stevetheroofguy to MachineKnitting [link] [comments]
2021.11.30 15:52 TonyThTony204 Burnt chicken with cheese and bolognese, it tasted alright tho
|submitted by TonyThTony204 to shittyfoodporn [link] [comments]|
2021.11.30 15:52 Expensive_Skill_3929 My favorites
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2021.11.30 15:52 akiralol1 Interesting,thoughts about this one?
|submitted by akiralol1 to Genshin_Lore [link] [comments]|
2021.11.30 15:52 BlueberryOk3246 Wrong category on Spotify for my podcast
I use Red Circle and have my primary category as “Society & Culture” and the second category as “Comedy”. Spotify has me under “Self-Help”, which is odd because it’s a category I never listed for my podcast?
Apple Podcasts has me under personal journals
what is happening! please help
submitted by BlueberryOk3246 to podcast [link] [comments]
2021.11.30 15:52 ShortAlgo $CMCSA Waiting for Buy signal
|submitted by ShortAlgo to UltraAlgo [link] [comments]|
2021.11.30 15:52 Glittering_Flight152 Just bought my first AMC shares!
2021.11.30 15:52 Miserable-Report6467 Hello, I have a question for officers:) what is your best advice to give me to survive an attack or assault?
I’m 5,2 Female, I pack a punch but know if anyone wanted overtake take me really bad they could.
I follow true crime and murder investigations which is why my head always goes here but I’d rather be educated and safe than unprepared, if this ever happened.
Especially, with my new job position, I find myself alone with older men a lot of the times. Not saying older men or these men are bad but I can’t and shouldn’t trust everyone
What advice would you give if someone was trying to assault, abduct, or murder me? How would u try to escape and survive?
Because I follow so many true crime cases I have a pretty good idea but I know that everything is circumstantial.
I realize I need to take self defense classes, I’m looking some up in my area!
depending on situation, if I didn’t think I’d survive and had free hands I know in the best efforts to leave dna and evidence I should…
-scratch their skin -bite them -leave bruises on then -pull their hair out -pull my hair out
But what should I do to try and survive? Free hands or no free hands?
submitted by Miserable-Report6467 to police [link] [comments]
2021.11.30 15:52 DeadATL Stave Kaplan - Gambino associate
I live in Atlanta and as far as I know there has never been any mafia activity of note in town. The one notable exception was strip club owned by Steve Kaplan, a Gambino associate.
The Gold Club was a high-end strip club in the heart of Buckhead that attracted celebrities, wealthy businessmen and curious locals. It was also a hub of illegal activity and ultimately Kaplan was indicted on a host of charges.
The "Gold Club trial" was big news in Atlanta and also got plenty of national attention. I recall Mikey Scars name mentioned a lot - apparently he picked up the Gambino cash regularly.
The following article does a nice job of summarizing Kaplan's background including the trial.
Interesting to note that he took a plea, did time and didn't rat. From another article:
Sadow said his client agreed to the deal because it would likely spare his codefendants jail time. He said Kaplan wanted to repay their "loyalty and friendship."
Anyone know if he's still involved in the life?
submitted by DeadATL to Mafia [link] [comments]
2021.11.30 15:52 blessmyfoodbypayal This is the simplest ever ORANGE CAKE recipe made using fresh homemade orange juice & doesn't have all purpose flour, eggs, butter, sugar, milk or yogurt.
|submitted by blessmyfoodbypayal to Vegan__Sensei [link] [comments]|
2021.11.30 15:52 Gokul20_5 Is this the most competitive cycle ever?
I wonder whether this is the most competitive cycle ever or does it feel so because I am applying this year? Having spoken to a dozen school candidates, I am hearing the R1 application volume is one of the highest in the past few years - I am talking about T15 - T25. Personally, I applied to 6 schools and got an interview invite from only one ! I was expecting at least 3 schools, which I believed were within my range.
Does anyone else feel the same way?
submitted by Gokul20_5 to MBA [link] [comments]
2021.11.30 15:52 doesanyoneknow2 DD- Opfi - 130m EBITDA, 575M Mkt cap?
Little background. I like deep-value plays. No, I'm not talking GME and I'm not deep fucking value autistic. I like firms that are profitable, growing like crazy, but misunderstood for seemingly no reason. I acknowledge the bear mentality but often find them wrong in these plays.
Case in point: I was in BMTX pre-merger when it was MFAC. Their investor presentation showed a company trading at less than half the multiples of their peers and growing at 100%, it worked out well to say the least
I bring Opfi to you today. The poor man's upstart. Frankly, there isn't too much of a difference between the two except the customer they serve and balance sheet structure (will get to that in a second). First, let's look at multiples - this is dated bc upstart has exploded 15x in valuation since this publication. Opfi has decreased by 25%
https://s27.q4cdn.com/889956127/files/doc_presentation/Investor-Presentation-02.10.2021-final.pdf (slide 41) Now let's talk business. They both connect people wanting to be lent money with lenders. Opfi is targeting the subprime market while Upstart targets the Prime market. What this eventually means is that upstart generates a loan for a bank (customer) and gets paid to be that conduit. Opfi on the other hand ends up buying that loan back from the bank. Banks don't like subprime on their balance sheets.
I'll readily admit, this has a big drawback. More capital is needed, they are responsible for the loan defaults, etc. But their data accounts for that. They adjust their lending rates, know their default rates, and continue to print money.
From a technology perspective - they both have AI, touch a myriad of data points - I'm not quite sure on Upstarts %'s but Opfi does about 58% of their loans with automated approvals, 75% of all their decisions are automated, increasing sequentially every quarter. This is just saying, they are very very similar companies. Hell they even have a net promoter score higher than apple, costco, and the ritz (in their investor presentation below). The customers they target actually see positive credit results when utilizing opfi.
Growth slowed a bit for Opfi during the Covid era as the government was handing out cash to everyone and their target market needed less lending. Being out of that era, growth has returned.
One thing I can't get over is literally how cheap the company is. I value companies on total shares with full warrant dilution. Opfi is structured strangely 13.5 shares outstanding for class A. Up to 6m can be issued for class B (none yet). 95M for Class V (pure voting shares and do no see economic benefits, more on this in a minute). 17m outstanding warrants at a strike of 11.50 1 to 1 exchange. What's this mean?
Means I value it like it has ~115m shares outstanding. 95M voting + 13.5M Class A + 17m warrants (really 6M shares). The warrants really only yield about 6M shares bc the strike price is 11.50 and call price is 18. 18-11.50 = 6.50.
6.50/18 = .36 shares given up when called. or about 6M when done via cashless redemption.
The voting shares aren't calculated on yahoo, think or swim, or any other platform bc they aren't economic shares. I don't care, you can't buy out the company without them so they inherently have value and choose to include them for valuation purposes.
Today it is trading at ~ $5 x 115m shares = 575M valuation
They are on track for 130M in Adjusted EBITDA this year. I only care about EBITDA because it's insanely hard to manipulate. I heavily value its multiples to peers for that same reason.
Upstart will do adjusted ebitda of about 200m this year.
One thing that can't be dismissed is the markets they serve. Upstart average loan is 3-5 years, 1-50k, opfi does micro-loans averaging around $1500 for 11 months. They have to, the default rate is 30%. They have been in business for 7 years and know exactly what that default rate is. They charge a higher interest rate for it. They also have to keep it on the balance sheet and that's a drag. Consider the bear case - a down economy, turning off the tap on $1500 loans is fairly easy to do vs. larger loan sizes. (Note: Upstart doesn't own their loans so this is not a comparison statement).
Still culminates in my question - is Upstart worth 20x (multiple) what Opfi is trading at right now?
Growth you say? Opfi is looking at 37% growth in 2022 https://www.opploans.com/wp-content/uploads/2021/01/Investor-Presentation-02.10.2021-final.pdf
Projections for upstart = 45% (revenue growth found via quick google) 1.18B 2020 est vs 806m 2021
Don't get me wrong. Upstart is a behemoth. Opfi is 65% the size of upstart, and upstart is set to grow a little faster. However from a multiples perspective - given that the big differences are:
1) holding the note 2) serving a different market
Does that multiple deserve to be 20x less? ~5% for the same dollar earned? Maybe upstart is supremely overvalued. Maybe it should be 1/4 of what it is right now. It's trading at an 87x EBITDA multiple, that'd give it ~25X ebitda multiple. Seems like a premium to the rest of the industry that is more than warranted.
I don't think it changes things for Opfi - A company that generates 130m EBITDA trading at 600m valuation. Crazy. Itll do 180m next year or roughly 1/3 of its market value.
Not to drag on, but I actually went and looked at Payday loan valuations. Their EBITDA multiples... 13! (Reference: WRLD). A company that has real estate to maintain, rates supremely higher than just subprime, much higher defaults...
Opfi EBITDA multiple currently: 4.6
All this to say - value play with a price target of 23 - with next year ebitda at 180m and a 15 EBITDA multiple.
Latest earnings presentation: https://s27.q4cdn.com/889956127/files/doc_financials/2021/q3/OppFi-3Q21-Earnings-Presentation_vFINAL-(vF).pdf
submitted by doesanyoneknow2 to wallstreetbets [link] [comments]
2021.11.30 15:52 ShortAlgo $CME Waiting for Buy signal
|submitted by ShortAlgo to UltraAlgo [link] [comments]|
2021.11.30 15:52 duckeeeh1 Immortal Coaches Gold III Chamber/Yoru Main (valorant coaching ASCENT)
2021.11.30 15:52 KaptajnDervis Just booted up 1.18 and foucd this super cool cave.
2021.11.30 15:52 AngelsRiver04 Some photos I’ve taken (unedited)