2021.12.06 11:19 joniejoon Ludiscere - Xenoblade Chronicles 2 and Sexualization: A Case Study
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2021.12.06 11:19 LSD_freakout LF: Glameow and/or Bonsly
2021.12.06 11:19 NuKa_Draws Brilliant (Art by me, @NuKa_Draws on Twitter)
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2021.12.06 11:19 Prestigious_Emu_7986 Hall of Gods
This isn't bragging. Are bosses in hall of gods are easier versions of themsleves. Because they are mostly easy for me (not all of them ofc fuck you Markoth)
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2021.12.06 11:19 pumpum26 Steps to enter the 1 ETH NFT giveAway - Go to opensea @Incredible-goats like 5 of our NFTS - BUY ANY OF THE NFT less than 30$. Only 2 users have entered the giveaway until now and u have a greater chance of winning that 1 ETH NFT 😉
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2021.12.06 11:19 JustLuqa low effort meme
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2021.12.06 11:19 RipZestyclose8837 TRADING LTBS FOR HALOS
2021.12.06 11:19 Lucky-Ad-9385 wow.
my boyfriend of 2 months just told me that sometimes he finds it hard to be physically attracted to me and it makes it hard to love me sometimes. however, he keeps telling me he doesn’t want to break up with me, doesn’t want to lose me, and he’s afraid he won’t find anyone else as good as me. i don’t mind the fact that he told me that, honestly. im just upset that i understand where he’s coming from. i don’t look at him the same way; i think that he’s super attractive, i love him for who he is and the way he makes me feel, and i’ve never really cared about his body or what he looked like. i’ve talked to him a bit and i’ve told him how hurt i was but i hope he comes around and realizes that it doesn’t matter what my body looks like, if he’s happy he shouldn’t care. not sure what to do.
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2021.12.06 11:19 Efficient-Dimension5 [FOR HIRE] Illustration and portrait with anime style, start from $5
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2021.12.06 11:19 riblueuser Boston morning radio show making fun of "Wasabi" Fenway Bowl
For those of you who don't know, Wasabi is boston-based and they are sponsoring the "Wasabi Fenway" Bowl for college football.
Boston's sport radio leading morning show, Tocher and Rich, were pretty hysterically making fun of the name.
"It's a plant, isn't it?"
"It's a condiment, it's like the Mustard Bowl"
"That's a terrible name, change it"
It was pretty funny, for anyone interested, it's at minute 33.
submitted by riblueuser to msp [link] [comments]
2021.12.06 11:19 Equivalent-Hair-961 Watched latest episode of STD after giving up s2.
I do not like Discovery. I watched s2 and decided that I had enough. I gladly passed on all of s3 but watched some reviews of it as well as Major Grin’s takedowns on YT. I was at a friend’s house last Friday who put on this latest episode of Discovery for us to “enjoy…” My friend has P+ and hates STD as much as I do so we kicked back w some beers and watched the latest episode. We had to keep stopping the episode to laugh, complain and yell at the screen. It was kinda fun really but it left me so sad for the state of my once favorite franchise. After watching this episode I can say one thing I am certain about is that this show is as bad as it ever was. Now, They have Mikey Burnham trying to smile, be warm & funny (I guess?) and have her whisper-talk only a few times per episode (as opposed to ALL THE TIME.) Tilly is still an idiot who uses 21st century vernacular to talk about her feelings over & over again. Oh and her weight gain is completely ignored by all in starfleet cuz… who knows. Saru is a butler. He’s there because the script says so. It’s a shame how under utilized Doug Jones is on the show as he is the only actor who acts & sounds like an actual Star Trek character. He should be captain, clearly. Oh- the bridge crew… non-existent in this ep. LOL some things never change I guess. Moving on- Stammets & Culber are no longer the poster-boys for the 1st Gay relationship in space (or whatever they claimed a few years back,) now these two are nothing more than support for Adira & Gray, two “important” characters who seem like nothing more than sock-puppets constantly wanting to be together. I know, I know- they’re the 1st non-binary gender neutral characters evaaarrrrr. But while the relationship arc has kept them “interesting” to some, it would seem that this is all the writers got. Where will they go with these two characters? No where. Now, Gray is an android/gollum thing (from Picard) because sure, why not pirate your own IP, thinking fans will be impressed bc you mentioned that the technique was once used on someone named “Picard…” I seriously don’t think the writers know what to do with them past being the “new” poster-children for inclusion and LGBQT etc rights. It’s a wonky premise that retcons everything we knew about the Trill. Does death have no meaning? Michael Burnham is included in all Star Fleet meetings because OF COURSE SHE IS. In the episode wrap up, Burnham is stuck on the decision the President makes banishing the prisoner to the Vulcans/Romulans (whatever the F Ni’Var means… another pointless retcon Kurtzman did to F w fans.) The part of this end scene that made me almost spit my beer was when Burnham demands justice for a starfleet officer (she didn’t even know) killed by the Romulan Battle-Nun and she doesn’t get it. Finally! I said, Burnham must face a truth she doesn’t like and STFU about it. But who am I kidding, we’re talking about MarySue Space-Jesus Mikey Burnham here. The writers make ALL the top starfleet people including the president tip-toe around Michael Burnham’s feelings because she’s the most fragile & important person in da universe. How effing stupid. She’s a thousand year old captain of an outdated ship. Who cares what the F she thinks. How many episodes did Kirk, Picard, Sisko and Archer get orders or arbitrary decisions FROM starfleet HQ that they had to honor no matter how they felt about it? Almost EVERY TIME as I recall. But w Burnham- O M G we have to stay on a pointless scene where the white admiral dude has to make Mikey smile by telling her a story about the president being the conductor and how the rest of them are like the orchestra. He shakes his keys over her crib until she coos w delight. When Mikey smiles then we know all is ok. This show is written by children who were never told NO and who were taught they must get everything they want. They haven’t the faintest clue about the real world or how a military organization works. This episode was full of stupid and pointless set-ups, rehashed concepts (the Picard Battle-Nuns and Gollum), Mikey Spock’s 60+ year old Mom who is now head of the magic Romulan nuns -because sure, why the F not. OH! A new race of beings were discovered! They were in stasis for a long time and Mikey Burnham saved and freed them! There’s the start of a real Star Trek plot you say? Nah, F that. As soon as they wake we’re outta there! There’s a vague wide shot watching alien space ships flying towards some planet for colonization or who knows because Burnham didn’t stick around to actually find out anything about them. Classic Nu-Trek mentality. Seek out new life? Nah. Whatever. Ima bored!! Pew pew! Book is understandably depressed because his world blew up about 2-3 days before the events of this episode so, in theory, being that a season takes place over the course of a few weeks to a month maybe? Book should be depressed this whole season. I doubt the writers will do this. He’s there to service Mikey Spock after all. My conclusion? I am missing nothing. This episode of s4 proves to me that this show is as stupid as it ever was. It has nothing to do with Star Trek. There’s no reason for me to watch this poorly written sub-par crap anymore. Four seasons later and the show is no better than s1. And isn’t that depressing? It is to me.
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2021.12.06 11:19 y_angelov AT&T vs Verizon vs T-Mobile: Are they worth the investment?
The next step for telecommunications around the world is 5G. In the US, the three largest providers in the field are Verizon, T-Mobile and AT&T. The question here is can they offer us a good return on our investment? The obvious choice for industries like telecommunications are the biggest players in the country. Like I said, in the US those players are Verizon, T-Mobile and AT&T so lets dig in and find out which one has the best bullish case.
Operations Lets start with operations. The amount of wireless subscribers is probably the most important metric to look at because it gives us a good idea of whether the operations of the companies are actually expanding. Plus, it is the main and biggest source of revenue for all three of these companies. Verizon has the most subscribers, currently sitting at 121.3 million, followed by T-Mobile with 104.8 million and AT&T with 97.8 million. Verizon acquired TracFone last year, which boosted their subscriber numbers, but apart from that there was no massive change in subscribers for any of the companies. Verizon has also recently broken the record for most awarded brand by JD Power for Wireless Network Quality with 27 consecutive number one awards. Good product quality is always important so that's a positive for Verizon in my books. Plus, they literally service 99% of the Fortune 500 companies and have partnerships with tech leaders like Amazon, Microsoft and Google. Right now, it seems like the main priority for all three companies is to improve their 5G network and capability. T-Mobile is the leader in 5G with best download speeds and highest coverage of 295 million having access to its 5G services, out of which 140 million people having access to its fastest service . AT&T's fast 5G coverage is only half T-Mobile's and Verizon is lagging behind with only a quarter of the fast 5G coverage of T-Mobile although their total coverage is similar to T-Mobile's. However, AT&T's 5G has a partnership with Microsoft Azure and Verizon's 5G has partnered with AWS. Such partnerships with major cloud providers are definitely a plus.
Verizon had Verizon Media which comprised of brands like AOL and Yahoo, but Verizon sold its media assets to a private equity company called Apollo Global Management on the 1st of September. The media business was a relatively fast-growing part of Verizon so I'm personally not the biggest fan of that sale. Still, Verizon Media made up only 6.2% of Verizon's total revenue in Q2 so it is a fairly small segment, but it will affect Verizon's revenue and profit going forward. In comparison, AT&T owns Warner Media so you can tell it is a much bigger chunk of its revenue at 21.2% in the third quarter of 2021. They own HBO and HBO Max which have seen an additional 12.5 million subscribers in the past year to a total of 69.4 million subscribers globally. Unfortunately, the gains there were offset by less cinema screenings over the past year although things are obviously picking back up again and we should see better results in the next quarters. Some more bad news, AT&T will be spinning off Warner Media in mid-2022 so that means a big chunk of revenue will be lost next year! I think this will end up badly for AT&T, especially since Warner Media is one of their more profitable segments! Putting that aside, other revenue sources include wireless equipment sales which make up 16.3% of Verizon's revenue, 12.7% of AT&T's revenue and 23.8% of T-Mobile's revenue. Even though it's a big chunk of T-Mobile's revenue, the company actually saw a 5.9% decrease in wireless equipment sales while AT&T saw an 11.4% increase and Verizon saw a massive 30% jump in equipment revenues, which is another plus for Verizon although the question here is whether they can actually keep that up.
Revenue and Earnings Alright, so we now have a good idea of what operations Verizon, AT&T and T-Mobile have. What does their revenue and earnings look like though? AT&T has the biggest revenue at $39.9 billion in Q3 of 2021, down 5.7% from last year. Their total revenue for the last 12 months stands at $173.6 billion, which is almost identical to the same period last year, meaning there was no growth. Verizon follows in second place with a $32.9 billion revenue in Q3 of 2021, up 4.3% from last year. Their total revenue for the last 12 months stands at $134.2 billion which is slightly up compared to the same period last year when they had a revenue of $128.4 billion. Finally, T-Mobile brought in a revenue of $19.6 billion in Q3 of 2021 compared to $19.3 billion last year. Last year, T-Mobile saw a massive jump in revenue which was mainly because of their merger with Sprint which closed on 1st April last year, but the growth since then has been much slower. For the last 12 months, T-Mobile's revenue was $79.7 billion up from $60 billion last year, but again that's because of the two companies merging. Overall, Verizon and AT&T have seen a relatively small revenue growth over the last 5 years, less than 2% per year, and they only expect a 1% revenue increase next year. In comparison, T-Mobile's revenue has doubled since 2016, which is massive compared to Verizon and AT&T, but again only a small revenue increase of under 3% is expected next year. What about their earnings though? Verizon have the best net margins at 16.4% which have doubled from an 8% in 2015. Plus, Verizon raised their EPS guidance for 2021 by almost 5%. AT&T's normal margins sit at around 9% although they've had a 0.7% net margin in the past year which are due to write-offs and impairments surrounding their media business. Finally, T-Mobile have the lowest margins with 4.2% right now although their historical average is about 5 or 6%. T-Mobile also have a negative free cash flow unlike the other two, which is a bit concerning. It's not a one-off either as they haven't had a positive free cash flow since 2016! That is most likely due to their faster expansion because telecommunications is extremely capital-intensive, but it is still worrying to see that with T-Mobile. In 2022, AT&T is expected to see a 4.4% drop in earnings while Verizon's earnings are expected to stay essentially flat with only a 0.3% earnings growth, but T-Mobile is looking at a 39.2% earnings growth although that follows after a drop of 32% in 2021. I personally don't think we will see such a big growth from T-Mobile and, to be fair, analysts have been reducing their expectations, too. There are just a lot of uncertainties in the market and the economy and a lot can change over the next year.
Financial Health We can see that these companies are making a lot of cash, but how healthy are their financials? What does their debt look like? Well, surprisingly, AT&T has the lowest debt-to-equity ratio with a 100%, followed by T-Mobile with 106% and finally Verizon with 191.8%! However, Verizon has the lowest effective interest rate with only 1.88% compared to 3.07% for T-Mobile and 3.31% for AT&T. What that means is that even though Verizon has exactly twice the debt of AT&T, their interest payments actually are not that much higher! Also, telecommunications is a very capital-intensive business so this type of debt levels are actually normal for the industry. None of the three companies has substantial cash and none of them can cover their current liabilities with their current assets. However, their quick ratios are just under 1 so the situation is not that bad.
Dividend Before we move to the valuation, we need to look at the dividend. Telecom stocks are not typically fast growers so their dividend is important to investors. AT&T has the highest dividend at 9.4%, but they are expected to cut it by almost half next year following the sale of Warner Media. Verizon follows with a 5.1% dividend while T-Mobile does not pay a dividend at all! Both AT&T and Verizon pay a higher-than-average dividend. Both of them have increased their dividend every year over the last 10 years although Verizon is the company that can actually afford to pay it. Their payout ratio is 47% whereas AT&T's one is massive, 1,578% although that's skewed due to the write-offs I mentioned earlier. Still, AT&T has a historically higher payout ratio than Verizon so that's worth keeping in mind. Lets also take a look at share buybacks since they are another way of returning money to shareholders. Verizon and T-Mobile have not bought back any shares in the last 3 years, but AT&T has actually reduced their number of outstanding shares by 2.5% since 2018.
Valuation Okay, we've covered the dividend so lets value the companies. Are they cheap right now? Looking at their current PE, we can see that Verizon is the cheapest with 9.5, followed by T-Mobile with 39.8 and AT&T with 168.2. Obviously, the current PE can be misleading, but if we take a look at their forward PE, we see that AT&T is the cheapest with only 7.3, followed by Verizon with 9.6 and T-Mobile with 32. In terms of the Price-to-earnings-growth ratio, T-Mobile is the cheapest with a 1.11, followed by Verizon with 2.9 and AT&T with 9.6. Finally, AT&T is the cheapest in terms of book value with a PB ratio of 1.04, T-Mobile follows with 2.07 and Verizon with 2.93.
Conclusion How can we interpret all of this? Well, AT&T seems to be the cheapest out of the three stocks right now, followed by Verizon. T-Mobile is massively overvalued right now, most likely by investors betting on T-Mobile dominating the 5G market. I honestly cannot see the bullish case for T-Mobile though. Even if they completely dominate the 5G market, they still have such low margins, negative free cash flow and a lot of costs related to capital expenditure. I just don't see them justifying this high price any time soon, definitely not in the next 2 or 3 years. Despite being cheap, AT&T is also a no-go in my books. Why? Their main selling point is their dividend. AT&T will be cutting this in half while also selling their high margin Warner Media subsidiary. Essentially, there is no point to hold them for the dividend and they will also lag behind in revenue and profits so there is no value play there either. It just seems like their best days are behind them. They currently trade for $22.2 which is half of their all-time high back in July 1999. 22 years ago! They have not been able to come close to that price and, in my opinion, they will not do that in the next 5 years. Definitely not worth the investment. You can just stick your money in an index fund and you will get much better returns without having to do more than 5 minutes of research. Plus, AT&T's price is likely to drop further once the Warner Media sale is closed and their dividend drops. The only good purchase here is Verizon. They have a solid dividend, decent margins, they can provide stability during volatile markets. However, they are not expected to grow much. No growth typically equals no jump in price. We can value their free cash flow as much as we want, but if investors don't buy the stock, the price will lag behind the S&P. Still, I think there is a case for Verizon if we see continued inflation or an increase in interest rates. As I said, Verizon's dividend is also solid, which is great for income portfolios or for balancing out your risk. However, if you are looking for price appreciation, a simple US index fund like SPY or VGT will probably outperform Verizon. There are some companies that can offer you a better return so check out my stock picks here if you are interested. Let me know what you think about Verizon, AT&T and T-Mobile down below.
P.S. This is one of the occasions where you spend a weekend researching companies only to come to the conclusion that S&P500 probably offers better returns! I hope you find this useful though :)
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2021.12.06 11:19 nightwing612 Bruce became Batman at 21 and is now 41/42. How much longer do you want him to be Batman?
It's always been my fervent wish to have a DC Universe where the heroes (in particular Batman) actually age out and start making way for the next generation. Usually, that is the only way younger heroes get the spotlight.
I think I would like Batman to retire at 45 years old (or at the very least, stop Justice League activities and solely focus on Gotham). Most athletes in high intensity sports retire in their late 30s or even early 40s. If we consider crime-fighting a high intensity activity, then he would already be among the oldest still active. Nightwing is more than enough to take Batman's place in the Justice League.
|Bruce was born||1978|
|Lost Parents||1986||8 years old|
|Became Batman||1999||21 years old|
|Joined the Justice League||2003||25 years old|
|Took in Robin||2006||Bruce (28); Dick (9)|
|The Team was founded||2010||Bruce (32); Dick (13)|
|Season 4||2020||Bruce (42); Dick (24); Babs (23); Tim (19); Steph (17); Cass (17)|
2021.12.06 11:19 Wandering_sage1234 Empire Total War I Portugal I ASMR I Ambience I Studying I Chillaxing I ...
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2021.12.06 11:19 Puzzleheaded-Sail68 Vypadá že je docela hodnej ale není po dvacáté za sebou
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2021.12.06 11:18 The_Tobinator0311 Special Counsel Durham found the e-mails Fusion GPS tried to hide
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2021.12.06 11:18 a_random_weeb_0718 Guys, it’s time for the annual rewatch
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2021.12.06 11:18 Juicewrld999v1 My gf (16F) won’t stop apologizing about everything
Hello so recently My gf started apologizing all the time and she says it’s because she hurts me all the time but I do not feel this way. I tell her I forgive her and she says don’t I don’t deserve it. It got to the point where she’s so hung up on this that she asked to break up and we still talk and call all day everyday. If y’all can help plz let me know thanks all😁
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2021.12.06 11:18 hanxian3 I want to play casual games.
2021.12.06 11:18 Flame_Heart707 Not even intended
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2021.12.06 11:18 mounika-FFS MOHO ANIMATION TUTORIAL FOR BEGINNERS
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2021.12.06 11:18 MackTheHypeBeast It's amazing how much their color can actually change 🟥➡️⬜
2021.12.06 11:18 gerecsgo Meeting Albert, the old fisherman.
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2021.12.06 11:18 Smoggle404 My ex’s little sister wants me to eat lunch with her
There’s not a whole lot to explain, it’s pretty straightforward.
Recently my ex(21F) dumped me out of the blue, it sucks but I’m managing. I’m 20 years old if that matters. Now me and my ex both had jobs, she worked nights and I worked days. So after work I would pick up her little sister from school and tend to her whether it was helping with homework, cooking her food, buying her school supplies. But sadly she gets bullied a lot. So that was my greatest challenge, letting her know it’s okay to be upset, because I would be there for her through thick and thin.
Her mom and my ex were only worried about partying which I think led to the breakup. Sadly, because of all this partying, they ignore and disregard her needs. She never has school supplies, she has to wash her own clothes and she’s only 9. When she tries to talk to her mom or sister she’s constantly ignored. When I was around she got to come home everyday, but now that I’m not, she is sent to her grandparents. She does not like being at her grandparents and I can attest to that. They’re very old school. No tv after 6 o’clock type people.
So she reached out to me through her brothers phone, me and her brother were friends in high school. Plus her brother is rarely ever around because he got kicked out at a young age because he called his mom and sister out on their bullshit.
She called me crying, begging me to eat lunch with her at her school. It honestly broke my heart but I don’t know what to do. I have to leave town for work and won’t be back for a while. I thought I’d just drop off some McDonald’s and leave a note letting her know how strong she is and how capable she is no matter what brings her down.
Or should I just let it go. This situation just sucks.
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2021.12.06 11:18 slimshady32345 The masculine urge to not talk to an e-girl