Rs auto woodcutting
Swedish Heavy Metal with historical lyrics.
2012.08.09 15:25 Riipa Swedish Heavy Metal with historical lyrics.
Swedish Heavy Metal with historical lyrics
2009.01.08 23:49 /r/Audi
A Reddit community for Audi Enthusiasts and those who love four rings
2010.11.11 23:18 gutteramit Infiniti Luxury Automobiles
A place for Infiniti owners and fans to hang out and chat about the cars, brand, modding, and more. Similar Nissan cars, like the 350z, 370z, Skyline, etc, are welcome here
2024.05.15 17:45 TheMoatInvestor Go Digit IPO Analysis
Business GO Digit Insurance started in 2017 as a
full stack digital insurance company with GWP ( Gross Written premium) of Rs 7240cr in FY23 ( GWP growth of 49% CAGR between FY21 to FY23). Go Digit offers motor insurance, health insurance, travel insurance, property insurance, marine insurance, liability insurance.
As of Dec '23, there were 4.33 crore customers who availed insurance at Go Digit since the inception in 2017. Go Digit is focused on simplifying insurance documentation with aim to ensure that the language of the insurance contract is understandable to all, including a 15 year old.
According to RedSeer report, Go Digit constitute 82.1%of the GWP written by digital full stack insurance players ( others Acko , Navi)
making them the largest digital full stack insurance player in India.
Go digit has 3.3% market share in FY23 in non- life GWP across all non- life insurers, and 6% market share among the motor insurers. Go Digit grew 37.5% in FY23 while the private non-life insurers (excluding standalone health insurers) overall grew by approximately 20.1% during the same period.
Product mix (in terms of GWP- FY23) Motor 62.5% Health 10.5% Property & engineering 10.4% Liability 9.2% Personal accident 2.4% Others 5%
Go Digit has 6% market share in motor insurance, which is 6th largest motor insurer. Competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
https://preview.redd.it/5w4rz4jvql0d1.png?width=496&format=png&auto=webp&s=757a7d308eee61090f740997e4f50eec32156172 https://preview.redd.it/kxxtrmu0rl0d1.png?width=796&format=png&auto=webp&s=014b67866ad33890b8b4497260dd44f0f44f0152 Go Digit is present in 24 states , has relationships with 61,972 Key Distribution Partners, including approximately 58,532 POSPs ( point of sale persons- selling insurance of multiple insurance cos. ), as well as individual agents( tied to single insurance co.), corporate agents, brokers and others.
Go Digit has 74 products in total. The traditional manual underwriting processes are being disrupted by AI/ML-based risk modelling and predictive underwriting. The use of IoT and telematics is making risk analysis more efficient with the use of large data packets that can tailor personalized insurance products at flexible pricing to customers. Using AI systems that assess an application profile against large number of data points accrued from multiple sources, underwriters can gain visibility into the most relevant risk factors.
Using predictive ML solutions, Go Digit is able to roll out fairly-priced quotes quickly and achieve higher profitability through their pricing strategy. Thus, AI/ ML based underwriting helps improve underwriting efficiency compared to manual traditional underwriting
Digital full stack insurance companies have been progressively gaining market share from incumbents. Go Digit GWP grew by approximately 37.5% while the private non-life insurers (excluding standalone health insurers) overall grew by 20.1% in FY23. Go Digit caters for approximately 82.1% of the GWP of the digital full stack insurance players in FY23. ( Go Digit, Acko, Navi)
Industry overview Insurance industry 80cr Indians have access to internet, 65cr are smartphone users, 45 cr are online transactors. According to IBEF,
Life insurance industry is 7,32,000 cr ( F22) in terms of GWP ( Gross Written Premium) and
non-life insurance industry ( health, motor, fire, marine, others) is 2,73,060 cr (FY23), out of which health GWP is Rs 92840cr , Motor GWP is Rs 84650cr. Non- life insurance is estimated to grow at a CAGR of 15-16% till 2028.
Life insurance penetration in India is 3.2% ( Japan 5.8%) and non-life penetration is 1% ( China 1.9%). Non- life insurance density (total GDPI on a per capita basis) in India is 23, for China it is 234. Distribution mix looks like this
https://preview.redd.it/thyjaomfrl0d1.png?width=313&format=png&auto=webp&s=59d41ce433d742a95b60f2f30ce1ea38b99730c2 https://preview.redd.it/69melijhrl0d1.png?width=744&format=png&auto=webp&s=e312809d6f2dedf35637fd4a6b2ac8554d9567d8 https://preview.redd.it/gm41lerirl0d1.png?width=713&format=png&auto=webp&s=3e45d1d9564f7cda1c004eb776b1475e6d867db9 Motor insurance The 4 Public sector insurers account for 30.2% of the Motor insurance market in Financial Year 2023 with the rest fragmented among the Private players. Among Private players, Go Digit accounted for a GWP market share of 6% FY23. In motor, competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
In FY23, as per Government sources, 54% of total vehicles plying on the Indian roads were estimated to be uninsured, indicating that the motor insurance market is still highly under-penetrated in India, figure for US is 14%
Health Insurance In health, govt. players (New india, Oriental, United, National) control 48% of market, then Star health 14%. Private non-life insurers control 63.4% of the overall market share, rest 36.6% by public health insurers.
Operating Metrics Distribution mix (count of each channel in graphic below) Brokers & Web Aggregators 66% This channel includes retail brokers, corporate brokers and web aggregators.
Individual Agents and POSPs 13% This includes business written through insurance agency partners and POSP.
Corporate Agents 1% We also have partnerships with corporations, such as financial institutions and NBFCs
Motor Insurance Service Providers 1.1% partnerships with auto dealers that establish a point of sale presence for personal and commercial vehicle
Direct to Consumer 18.9% Customers looking to purchase insurance can do so directly from Go Digit website or through web aggregators.
Investment portfolio Total AUM stands at Rs12670cr as on FY23 with an yield of 6.3% ( vs 7.1% of ICICI Lombard).
AUM increased by 2.67 times from FY21 to FY23. As of FY23, Go Digit had invested in securities issued by the Indian government (which constituted 68.5% total investments), corporate bonds issued by corporates (which constituted 24.7% ), Additional Tier 1 bonds (which constituted 3.3% ), money market, AIF and mutual funds (which constituted 2.3%) and equity issued by corporates (which constituted 1.2%). 97% of assets in govt bonds or corporate bonds,with 72% of corporate bonds AAA rated.
https://preview.redd.it/j1doibnorl0d1.png?width=793&format=png&auto=webp&s=a0fec228ac389054c3f8f17ee93bae9f169c99dd Combined ratio of GoDigit stands at 107.4% ( ICICI Lombard 103.2%, HDFC Ergo 121.2%) Combined ratio of public cos stands at 129.1%, private insurers at 105.9%
Expense ratio of Go Digit stands at 40.2% ( that of ICICI Lombard at 32.1%, HDFC Ergo at 23.7%.).
Loss ratio of FY23 is 67.2% vs 74% in FY21. Solvency ratio stands at 1.78 (ICICI 2.51, HDFC Ergo 1.81)
https://preview.redd.it/8hvhtslrrl0d1.png?width=648&format=png&auto=webp&s=6a5bc34442c8d91ea60c84a541c0de9eaadd2b97 ROA stands at 1.5% ( ICICI Lombard at 17%, HDFC Ergo 18.1%) Operating profit ratio stands at -1.3% ( vs 16% of ICICI Lombard, 8.4% of HDFC Ergo).
Total investment AUM growth of 50.5% from FY21 to FY23 to 12670cr. Gross Written Premium of Rs 7240cr, with 49.4% CAGR from FY21 to FY23.
Financials https://preview.redd.it/6ld853cxrl0d1.png?width=609&format=png&auto=webp&s=ef59a75744b9b526494e72bc3ee35c1133f5017e Underwriting loss of 66cr in FY23, reduced to 10cr as on 9M FY24. Investment income of 105cr in FY23. Profit after tax of 39cr in FY23, that of 130cr in 9M FY24. Branding/ ad expenses for FY23 account for Rs 11480cr ( 15% of GWP)
Points to consider As per 9M FY24 PAT, P/E ratio comes at 145 as per price of Rs 272 per share, whereas P/E ratio for ICICI Lombard is at 41, Star health insurance at 37. Dependence on motor insurance is 62.5% of GWP, which is little skewed towards one segment.
Operating losses / underwriting losses amount to Rs 66 cr for FY23, making Go Digit dependent on solely investment profits, which is the case for some players in the industry.
Combined ratio stands at 107.4%, tad higher than average of private insurers figures of 105%
AUM CAGR of 50.5% from FY21 to FY23 , which is commendable. GWP CAGR of 49.4% between FY21 and FY23. Co is growing real fast.
ROA stands at 1.5% as still in nascent stage vs ICICI Lombard of 17%
Despite being a newer player, Go Digit has garnered 6% market share in motor insurance, which makes them 6th largest motor insurer. ( ICICI Lombard at 10% ms stands 2nd)
Go Digit is a full stack digital insurance player, using AI/ ML to automate most of the insurance customers onboarded and claims underwritten, giving them cost advantage once they achieve considerable scale.
submitted by
TheMoatInvestor to
IndianStockMarket [link] [comments]
2024.05.15 17:44 TheMoatInvestor Go Digit Insurance IPO Analysis
| Business GO Digit Insurance started in 2017 as a full stack digital insurance company with GWP ( Gross Written premium) of Rs 7240cr in FY23 ( GWP growth of 49% CAGR between FY21 to FY23). Go Digit offers motor insurance, health insurance, travel insurance, property insurance, marine insurance, liability insurance. As of Dec '23, there were 4.33 crore customers who availed insurance at Go Digit since the inception in 2017. Go Digit is focused on simplifying insurance documentation with aim to ensure that the language of the insurance contract is understandable to all, including a 15 year old. According to RedSeer report, Go Digit constitute 82.1%of the GWP written by digital full stack insurance players ( others Acko , Navi) making them the largest digital full stack insurance player in India. Go digit has 3.3% market share in FY23 in non- life GWP across all non- life insurers, and 6% market share among the motor insurers. Go Digit grew 37.5% in FY23 while the private non-life insurers (excluding standalone health insurers) overall grew by approximately 20.1% during the same period. Product mix (in terms of GWP- FY23) Motor 62.5% Health 10.5% Property & engineering 10.4% Liability 9.2% Personal accident 2.4% Others 5% Go Digit has 6% market share in motor insurance, which is 6th largest motor insurer. Competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4% https://preview.redd.it/fpb9ws0gtl0d1.png?width=496&format=png&auto=webp&s=569af34494bf32df0fd5287ef7932079f82e5526 https://preview.redd.it/usrylghhtl0d1.png?width=796&format=png&auto=webp&s=0af5890c82395a8fccc5e1da837526911b2bb031 Go Digit is present in 24 states , has relationships with 61,972 Key Distribution Partners, including approximately 58,532 POSPs ( point of sale persons- selling insurance of multiple insurance cos. ), as well as individual agents( tied to single insurance co.), corporate agents, brokers and others. Go Digit has 74 products in total. The traditional manual underwriting processes are being disrupted by AI/ML-based risk modelling and predictive underwriting. The use of IoT and telematics is making risk analysis more efficient with the use of large data packets that can tailor personalized insurance products at flexible pricing to customers. Using AI systems that assess an application profile against large number of data points accrued from multiple sources, underwriters can gain visibility into the most relevant risk factors. Using predictive ML solutions, Go Digit is able to roll out fairly-priced quotes quickly and achieve higher profitability through their pricing strategy. Thus, AI/ ML based underwriting helps improve underwriting efficiency compared to manual traditional underwriting Digital full stack insurance companies have been progressively gaining market share from incumbents. Go Digit GWP grew by approximately 37.5% while the private non-life insurers (excluding standalone health insurers) overall grew by 20.1% in FY23. Go Digit caters for approximately 82.1% of the GWP of the digital full stack insurance players in FY23. ( Go Digit, Acko, Navi) Industry overview Insurance industry 80cr Indians have access to internet, 65cr are smartphone users, 45 cr are online transactors. According to IBEF, Life insurance industry is 7,32,000 cr ( F22) in terms of GWP ( Gross Written Premium) and non-life insurance industry ( health, motor, fire, marine, others) is 2,73,060 cr (FY23), out of which health GWP is Rs 92840cr , Motor GWP is Rs 84650cr. https://preview.redd.it/o95adeaptl0d1.png?width=793&format=png&auto=webp&s=033e91aae0db0deb8dcbb378440506cdc15e8493 Non- life insurance is estimated to grow at a CAGR of 15-16% till 2028. Life insurance penetration in India is 3.2% ( Japan 5.8%) and non-life penetration is 1% ( China 1.9%). Non- life insurance density (total GDPI on a per capita basis) in India is 23, for China it is 234. Distribution mix looks like this https://preview.redd.it/x01fjpujtl0d1.png?width=313&format=png&auto=webp&s=a8365a90e6c62881c3bdade5da9649382b9b7e56 https://preview.redd.it/yduk21kmtl0d1.png?width=744&format=png&auto=webp&s=15302d2dea08c115d4ba433a9779d4f91f182c06 https://preview.redd.it/rn1d238ntl0d1.png?width=713&format=png&auto=webp&s=c5a7910dad08722822ca5a92c8451a51c95d1d2d Motor insurance The 4 Public sector insurers account for 30.2% of the Motor insurance market in Financial Year 2023 with the rest fragmented among the Private players. Among Private players, Go Digit accounted for a GWP market share of 6% FY23. In motor, competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4% In FY23, as per Government sources, 54% of total vehicles plying on the Indian roads were estimated to be uninsured, indicating that the motor insurance market is still highly under-penetrated in India, figure for US is 14% Health Insurance In health, govt. players (New india, Oriental, United, National) control 48% of market, then Star health 14%. Private non-life insurers control 63.4% of the overall market share, rest 36.6% by public health insurers. Operating Metrics Distribution mix (count of each channel in graphic below) Brokers & Web Aggregators 66% This channel includes retail brokers, corporate brokers and web aggregators. Individual Agents and POSPs 13% This includes business written through insurance agency partners and POSP. Corporate Agents 1% We also have partnerships with corporations, such as financial institutions and NBFCs Motor Insurance Service Providers 1.1% partnerships with auto dealers that establish a point of sale presence for personal and commercial vehicle Direct to Consumer 18.9% Customers looking to purchase insurance can do so directly from Go Digit website or through web aggregators. Investment portfolio Total AUM stands at Rs12670cr as on FY23 with an yield of 6.3% ( vs 7.1% of ICICI Lombard). AUM increased by 2.67 times from FY21 to FY23. As of FY23, Go Digit had invested in securities issued by the Indian government (which constituted 68.5% total investments), corporate bonds issued by corporates (which constituted 24.7% ), Additional Tier 1 bonds (which constituted 3.3% ), money market, AIF and mutual funds (which constituted 2.3%) and equity issued by corporates (which constituted 1.2%). 97% of assets in govt bonds or corporate bonds,with 72% of corporate bonds AAA rated. https://preview.redd.it/o95adeaptl0d1.png?width=793&format=png&auto=webp&s=033e91aae0db0deb8dcbb378440506cdc15e8493 Combined ratio of GoDigit stands at 107.4% ( ICICI Lombard 103.2%, HDFC Ergo 121.2%) Combined ratio of public cos stands at 129.1%, private insurers at 105.9% Expense ratio of Go Digit stands at 40.2% ( that of ICICI Lombard at 32.1%, HDFC Ergo at 23.7%.). Loss ratio of FY23 is 67.2% vs 74% in FY21. Solvency ratio stands at 1.78 (ICICI 2.51, HDFC Ergo 1.81) https://preview.redd.it/sw48kw6rtl0d1.png?width=648&format=png&auto=webp&s=dddb8423ad3da1e602ba011109a0d3251fa0a134 ROA stands at 1.5% ( ICICI Lombard at 17%, HDFC Ergo 18.1%) Operating profit ratio stands at -1.3% ( vs 16% of ICICI Lombard, 8.4% of HDFC Ergo). Total investment AUM growth of 50.5% from FY21 to FY23 to 12670cr. Gross Written Premium of Rs 7240cr, with 49.4% CAGR from FY21 to FY23. Financials https://preview.redd.it/0ptw17lstl0d1.png?width=609&format=png&auto=webp&s=96808ccd80051fabac413327550f7d99a771a18a Underwriting loss of 66cr in FY23, reduced to 10cr as on 9M FY24. Investment income of 105cr in FY23. Profit after tax of 39cr in FY23, that of 130cr in 9M FY24. Branding/ ad expenses for FY23 account for Rs 11480cr ( 15% of GWP) Points to consider As per 9M FY24 PAT, P/E ratio comes at 145 as per price of Rs 272 per share, whereas P/E ratio for ICICI Lombard is at 41, Star health insurance at 37. Dependence on motor insurance is 62.5% of GWP, which is little skewed towards one segment.Operating losses / underwriting losses amount to Rs 66 cr for FY23, making Go Digit dependent on solely investment profits, which is the case for some players in the industry. Combined ratio stands at 107.4%, tad higher than average of private insurers figures of 105% AUM CAGR of 50.5% from FY21 to FY23 , which is commendable. GWP CAGR of 49.4% between FY21 and FY23. Co is growing real fast. ROA stands at 1.5% as still in nascent stage vs ICICI Lombard of 17% Despite being a newer player, Go Digit has garnered 6% market share in motor insurance, which makes them 6th largest motor insurer. ( ICICI Lombard at 10% ms stands 2nd) Go Digit is a full stack digital insurance player, using AI/ ML to automate most of the insurance customers onboarded and claims underwritten, giving them cost advantage once they achieve considerable scale. submitted by TheMoatInvestor to IndianStreetBets [link] [comments] |
2024.05.15 16:16 MasterpieceQuiet8024 BBs Rs 291 fΓΌr Datsun 280z eintragen
Hey Leute ich habe auf Ebay ein tolles Angebot fΓΌr ein Satz BBs Rs 291 Felgen gefunden. Ein Guthabe gibt es jedoch leider nicht fΓΌr meinen Datsun 280z. Ein Festigkeitsgutachten habe ich von BBs bekommen mit der Aussage, das es solch ein Guthaben nicht gibt. Bekomm ich trotzdem die Felgen fΓΌr mein Auto zugelassen oder sollte ich mir andere suchen?
submitted by
MasterpieceQuiet8024 to
automobil [link] [comments]
2024.05.15 16:02 HisSunshine3-9 Peach Pepsi
| Good morning my love. I saw you a lot yesterday. I didn't even have to dream at this time. I saw plenty of signs as I was awake. A recall for your car (that you no longer have) came in the mail for you yesterday. That's the first piece of mail I've seen with your name on it in a while. But it was funny, because as I was sitting around yesterday thinking about things, I just kept saying your name over and over and over because sometimes I feel like it draws you to me or manifests your energy toward me or maybe if I do it enough you will feel my energy that I send through the vibrations in the universe. Clearly it worked, at least over here. Because not only did that come in the mail, but then I was buying something online and I went to type in my name and it it auto-generated your name. Another sign. Another foreshadowing. They are always there and trust me I am seeing, understanding and listening to the messages. I just know it's not the right time yet. Not yet, hunny. Yesterday when I was getting R's drinks at the store I saw they came out with a peach Pepsi. Of course, it immediately made me think of our crown peach and Pepsi drink that we love, so I decided to try it. It's not bad. It's definitely drinkable, but it's not as good as with crown LOL. I need to try it with crown peach and peach Pepsi for extra peachy flavor lol. I'm sure it would be good. But I'm not really a drinker anyway. I don't want to drink alone, because that makes me an alcoholic LOL. And it just doesn't do it for me anyway. The aftermath isn't worth it most of the time. I still have all of the same bottles of crown peach that were here from before. Today I'm going to get a massage and I am actually going to make it to the thrift and pawn shops that I said I was going to do the other day. I am on a mission for something with citrine. A pendant, earrings or a cool ring. The last time I had a reiki massage she suggested that I start wearing and eating more yellow and orange. Not only that, but a bonus is that citrine is your birthstone so I want to wear it anyway. I saw a really cool flower and moon ring on Etsy but it was $400 and I'm not quite ready to spend that much on a ring right now. Which is why I'm hoping to find a good score at a pawn shop. Fingers crossed. Your energy was so present yesterday, actually the last few days really, so I am hoping it continues into today. I feel really good about finding a really cool piece of something with your birthstone with your energy being with me π₯°. I hope that me feeling you around so much means that you are missing me too and I hope that you can feel the energy that I try to send to you. One of my biggest fears is that you forget me, so I try to send vibes to prevent that from happening. Maybe I try too hard but I do it anyway. Maybe that sounds a little selfish, but I try not to look at it as being a negative gesture. I try to see the good so you know how much I think about you and love you and that I never forget you. I hope you have a wonderful day my love. I miss you so much. I always wonder if you get tired of hearing me say that, but it's true, so I'm going to tell you anyway even if it's annoying. I wish there was a kissy face sticker in the little aliens or robots or whatever they are in the chat, but I don't see one. If there was one, I would send it to you πππ. I will talk to you soon. Always and forever. I love you more β€οΈ submitted by HisSunshine3-9 to u/HisSunshine3-9 [link] [comments] |
2024.05.15 15:51 r3crac BANGGOOD Deals (15.5.2024)!
submitted by
r3crac to
couponsfromchina [link] [comments]
2024.05.15 12:16 Void_being420 If You're looking to invest in Basant Maheshwari's BM TOP 10 or similar smallcases, Read this before you buy it
This post is majorly focused on the BM TOP 10 or smallcases that invest in large-cap stocks.
Returns on BM TOP 10 in the past 5 months
https://preview.redd.it/esmhjafqsj0d1.png?width=830&format=png&auto=webp&s=8d8a1353f22df8e537cb5ec25f95d8253f68fe52
In the past 5 months, this smallcase has overall given -2.16% returns, whereas the underlying benchmark has given 5.63% returns in the same period. I know the data of investment is for a short-term time period, so they might in future outperform the index, or maybe not. Let's dive into it.
- Research shows that 74% of actively managed funds underperform the benchmark index. This is also mentioned by Bogle in his book, where he states that if you continue to invest in an index fund at the end of the investment journey, you will be above the 85th percentile of people, i.e., 'you can beat 85% of active investors by doing nothing.' I have seen BM's recent video where he was criticizing index investing. However, as soon as he talks about the Nifty, he gives an example of the Nikkei and how it was unable to reach its top in 30 years, completely ignoring the diversity between India and Japan. In Japan, when the bubble crashed in 1992, the PE was around 75-80 (Nifty PE is ~21). Japan, at the time, had majorly exhausted its majorly infrastructure & other development opportunity , and China became the manufacturing hub, limiting Japanese growth opportunities. Whereas India, since Independence, has always been a developing economy and will continue to be at least until 2040, whichever political party comes into power. It will grow. BM completely ignores the US Index because that would be bad for his business, and people won't entertain his product. In my opinion, India will follow the US footsteps in terms of index investing because of the immense growth potential. I have also read BM's book 'The Thoughtful Investor,' where he criticized Sensex by saying, "IF YOU INVESTED AT THE PEAK OF THE HARSHAD MEHTA SCAM, YOU WOULD HAVE MADE NO RETURN FOR THE NEXT 15 YEARS," ignoring the existence of SIP. Any person with even slight knowledge of the market can see a this person's vendetta against index investing. I CAN GUARANTEE YOU THAT IF ANYTHING LIKE JAPAN EVER HAPPENS, THEN EVEN HIS SMALLCASE WOULD BE IN THE SAME BOAT.
- So, even after reading this, if you still think the BM TOP 10 smallcase is better for you, let's move to the Second Chapter: FEES
https://preview.redd.it/af1570ys0k0d1.png?width=965&format=png&auto=webp&s=3dd7a0d3793db2652b734af682ed87a2ce60fa60 https://preview.redd.it/opya3zg7uk0d1.png?width=402&format=png&auto=webp&s=c7df698775da9362e3e0bf221f3222884c2765a4 FEES is something that was also criticized by Bogle. He mentions that the 'AGENT' who convinces you to invest in his personal FUND/PMS has the main objective of filling their own pockets, not increasing your portfolio. They will attract you with past returns, but as often said, 'past performance is no guarantee of future returns.' Now, the expense ratio of the Navi Nifty Fund is 0.06%.
So, if you want to invest an amount more than Rs. 4.72 crores (28320/0.06%), [i.e., if you are confident that he will be able to beat the index consistently in the next 5-10-20 years], Only then you should consider investing in the BM TOP 10 smallcase.
- If you still want to invest because of the THOUGHT PROCESS, let's move to the **THIRD CHAPTER: THOUGHT PROCESS.**You can check his video when he started this smallcase. His major reason for starting this fund was that he was CONFIDENT OF MULTIPLE INTEREST RATE CUTS BY THE FED in 2024. We all know how this turned out now. The market is currently assuming probably one rate cut at the end of the year. So, basically, his entire reason for starting this smallcase was that the FED would cut interest rates, leading to investment flowing into large-cap stocks. He personally never liked large-caps while labeling most of them as MOTA-HATHI (SLOW MOVERS), which basically means he has no personal conviction towards large-caps other than the interest rate cut, which didn't turn out too well at least for now.
- If you still want to invest because of 'ACTIVE MANAGEMENT' or you think they 'WILL' beat the index, let's move to the FOURTH CHAPTER: ALTERNATIVES.I have selected the first fund that came to my mind, 'QUANT LARGECAP' (you could also check for other alternatives).In the last 5 months, QUANT or some other large-cap funds have given 8~12% returns.
https://preview.redd.it/dma64bcz7k0d1.png?width=765&format=png&auto=webp&s=ad050a03a0751081840e865132347f492c5bdcb6 https://preview.redd.it/r6jy1mxz7k0d1.png?width=737&format=png&auto=webp&s=464b1bf3004e65bfc3f9d4d6e30cb42dfc250d0f https://preview.redd.it/687tnre08k0d1.png?width=726&format=png&auto=webp&s=b7155971ede1c9d21230346e2075df24bf09416a Now, a fund like QUANT has an expense ratio of 0.59%, which means you should choose BM TOP 10 IF you want to invest more than
Rs. 48 Lakhs (considering the fact that BM TOP 10 could beat the QUANT Large Cap Fund consistently in the longer term). This active large-cap fund also invests in futures and options, whether to hedge risk or perform strategies like covered calls, etc., which is likely not to happen in smallcases like BM TOP 10.
- If you still want to invest because of professional advisory, let's move to the FIFTH CHAPTER: DO IT YOURSELF. f you still consider investing in this smallcase, then you must have a portfolio of at least over 50 Lakhs. It's not as difficult as people want you to believe to invest in stocks. Taking into account that you stick to large-caps (as they are more reliable and less likely to fudge the data), volatility in large-caps is limited, and it's very unlikely for a large-cap to go to zero. AND IF you're still not confident, then you always have can always go back to Nifty ETF or Mutual Fund. (as mentioned at the start 'sometime the best strategy is to do noting'- John Bogle)
And if you think I am personally targeting him for his political view or for any other reason, I have also written this post
https://www.reddit.com/IndianStockMarket/comments/196bfwx/basant_maheshwari_what_ive_learned_from_him/?onetap_auto=true&one_tap=true which is +ve stuff about him
You should read
"The Little Book of Common Sense Investing" by John Bogle for a better understanding of my points mentioned.
Bogle is the person who started the index investing fund Vanguard, and the investment style is named after him, 'BOGLEHEAD.' His investment is also acknowledged by people like Peter Lynch & Warren Buffett.
submitted by
Void_being420 to
IndianStockMarket [link] [comments]
2024.05.15 10:53 PuzzleheadedBar6379 FUCK NTA
I travelled for fucking 3 hours and upon reaching my centre i got to know my exam has been postponed, My centre was in faridabad, jo notice nikala tha kal raat inhone usme saaf likha tha faridabad gurugram noida me exam honge FUCK NTA, Or ek to pata nhi konse jungle me centre h bahenchod 600 rs deke aaya hu auto wale ko aane jaane ka
submitted by
PuzzleheadedBar6379 to
CUETards [link] [comments]
2024.05.15 09:53 Palikari_29 Automobil bez banke na rate. PONUDA
Δao, gledao sam na sajtu poloviniautomobili.rs, bilo je par auto placeva koji daju automobil na rate bez bankarskog kredita. Imam ugovor radiv viΕ‘e od 1 god u firmi, za stalno, plata oko 115k. Ali crven sam kod Kreditnog biroa za nekih par hiljada koje nisam na vreme uplatio narednih 1,5 god. Jel moΕΎda znate da joΕ‘ neko daje auto do 6-7 000k naprimer s uΔeΕ‘Δem od 1000 eura a ostalo na rate. Hvala
submitted by
Palikari_29 to
AskSerbia [link] [comments]
2024.05.15 09:38 Q-Tonium Donatello Build with Nephew!
PCPartPicker Part List Type | Item | Price |
CPU | Intel Core i7-12700K 3.6 GHz 12-Core Processor | $246.72 @ Amazon |
CPU Cooler | NZXT Kraken 240 RGB 78.02 CFM Liquid CPU Cooler | $160.99 @ Amazon |
Thermal Compound | Thermal Grizzly Kryonaut 1 g Thermal Paste | $8.98 @ Amazon |
Motherboard | Gigabyte Z790 AORUS ELITE AX ATX LGA1700 Motherboard | $219.99 @ Newegg |
Memory | G.Skill Trident Z5 RGB 32 GB (2 x 16 GB) DDR5-6400 CL32 Memory | $109.99 @ Newegg |
Storage | Western Digital Black SN850X 2 TB M.2-2280 PCIe 4.0 X4 NVME Solid State Drive | $145.01 @ Amazon |
Video Card | Sapphire NITRO+ Radeon RX 7800 XT 16 GB Video Card | $569.99 @ Newegg |
Case | NZXT H5 Flow RGB ATX Mid Tower Case | $99.99 @ Amazon |
Power Supply | Corsair RM750e (2023) 750 W 80+ Gold Certified Fully Modular ATX Power Supply | $99.99 @ Amazon |
Case Fan | NZXT F120 RGB Core 78.86 CFM 120 mm Fan | - |
Case Fan | NZXT F120 RGB Core 78.86 CFM 120 mm Fan | - |
Monitor | LG 32GP750-B 31.5" 2560 x 1440 165 Hz Monitor | $299.99 @ Amazon |
Keyboard | Redragon DEVARAIAS K556 RGB Wired Gaming Keyboard | $59.99 @ Amazon |
Speakers | Logitech Z313 25 W 2.1-Channel Speakers | $59.99 @ B&H |
Custom | Rocketek Motherboard USB 2.0 9pin Header 1 to 4 Extension Hub Splitter Adapter - Converter MB USB 2.0 Female to 4 Female - 30CM USB 9-pin Internal Cable 9 pin Connector Adapter Port Multiplie | $13.99 @ Amazon |
Custom | ABNO1 PSU Cable Extension Kit with Two Sets of Cable Combs 1x24Pin/1x8Pin(4+4) EPS/2x8Pin(6P+2P) PCI-E/ 30CM Length,PC Sleeved Cable for ATX Power Supply(Green) | $20.99 @ Amazon |
Custom | DS UV Purple PC LED Light Strip 390nm Blacklight with Magnetic Design for PC Case Computer Lighting Kit,Mid Tower and Full Tower use (4Pack, S Series) | $20.00 @ Amazon |
Custom | Uyubao GPU Support Bracket, Gpu Anti Sag Bracket, Graphics Card GPU Support, Video Card Sag Holder Bracket, GPU Stand, L(74mm-120mm) | - |
Custom | AnkerWork C310 Webcam, 4K Webcam, 12 Megapixel, AI Auto Focus, AI Framing, AI Noise Canceling Mic, Built-in Privacy Cover, and Adjustable FOV, 1080p@60FPS HDR, for Video Calls and Livestreams | $99.99 @ Amazon |
Custom | Thermalright LGA1700-BCF Black 12/13th CPU Straightening Anti-Bend Bracket, Bendy Platen, Intel 12th Gen CPU Fixing Fastener, Intel 12th Gen CPU Stress Bend Correction Fixture(Black) | $8.28 @ Amazon |
Custom | Funko Pop! Movies: Teenage Mutant Ninja Turtles: Mutant Mayhem - Donatello | - |
Custom | NZXT RGB and Fan Controller | $34.99 |
| Prices include shipping, taxes, rebates, and discounts | |
| Total | $2279.86 |
| Generated by PCPartPicker 2024-05-15 03:37 EDT-0400 | |
submitted by
Q-Tonium to
PcBuild [link] [comments]
2024.05.15 03:54 ychoed Speculation on the upcoming updates
This is just what I think Jagex might do with some of the announced updates.
Osseous
Considering they just added in the Zorgoth's soul ring, it seems pretty obvious Osseous will simply drop the Heart which will upgrade it into the BIS ring for Necro. Maybe it will also add an effect that allows for necrosis stacks instead of just soul balls? The current effect on the ring isn't all that powerful as well as being random, therefore hard to take advantage of. May be it will come with a more consistent effect that adds bonus soul balls or necrosis stacks when doing something specific. I could see an effect like "+1 necrosis on autos during living death" so you get 3 stacks per auto instead of 2. Or may be an effect like "+1 soul ball refund when casting volley"
Daemonheim Mining and Smithing
I don't entirely know what the lower tiers would be for or why we need them, but the Primal armor to me surely has to be the melee tank gear equivalent of Cryptbloom and t90 Deathwarden armor. The armor is already tank armor inside of Daemonheim, and it seems to me they're trying to fill out the strong tank armor sets for each style, so melee is likely next. Maybe the lower tier sets will be similar to the t70 and t80 deathwarden sets, with a tanky effect, but the effect grows with each tier. May be we even upgrade a single set into higher and higher versions using the previous armor set, the same way necromancy already does this.
I'm thinking the weapons most likely will either be higher than normal tier but non-augmentable or they'll function similar to the armor, where there's a base special effect which becomes more effective as you upgrade the weapon more and more.
Considering I believe the Primal armor will be tank armor, I can see the new masterwork weapon being a maul that modifies Pulverize. Pulverize is currently barely used, but also gives a nice damage reduction. Im sure if it does modifiy pulverize, it'd massively reduce adrenaline cost and/or boost damage reduction. I can't see the effect being balanced as being used as a switch though. Players already constantly complain about melee switches, so Jagex would be more wary to introduce another one. May be the effect will make pulverize worth using in certain situations, and then you get a massive damage reduction while using the maul under the effects of the ability, but the bonus effect is only active while the maul is equipped, so you'd have to keep it equipped to keep the damage reduction effect.
Skilling Boss
Croesus already covers most of the gathering skills and construction. May be the new boss covers mostly Artisain skills this time around? I could see a boss where the player needs to create weaponry for your allies to fight it. In the fight you mine and smith melee weapons, you chop logs and fletch ranged weapons or you Imbue crafted staves to make magic weapons for your troops. It would cover all of the skills being updated, and would include runecrafting and crafting which weren't used for croesus.
Woodcutting & Fletching
We already have elder trees which require 90 woodcutting. I'm assuming the new weapons which will fill in t70 - t90 must use new logs, but considering elder logs are already such a high tier, I could see them using elder as a "base weapon". The new logs would also require 90+ woodcutting, but are used to make additions to the elder bows, upgrading the tiers with the additions. May be the "shieldbow sight" will be used in those upgrades too.
submitted by
ychoed to
runescape [link] [comments]
2024.05.14 22:54 Financial_Aspect_82 H: Trades W: Wishlist
CE armor for trade
Ari AP WWR RA
Assassins AP fall RA
AutoStim S WWR RA
Cham AP BUW RL
Cloaking AP WWR LL
LS cryo WWR LL
OE E Sent LA
OE S WWR LA
OE Cyro FDCW RL
Troubleshooters AP AWR
Uny C AWR LA
Uny Cryo Break LL
Uny E sneak RL
Uny LED JWR RL
Van AP Sent LL
Van Fire Cav RA
Van Fire FDCW RA
Van RR WWR RA
Z PR WWR LA
Other armor:
Van LED FDCW USA LA
Van AP WWR marine RA
Van LED FDCW marine LL
Van Poison Sent Heavy Combat LL
Uny Int BUW Marine RA
Uny poison LL marine
Uny AP AWR heavy leather LL
Uny S Cav heavy combat LL
Uny S WWR FSA LL
Uny Poison AWR FSA RA
Uny AP marine CP
OE AP AWR USA RA
OE AP RR Trapper RA
OE AP JWR trapper LL
OE AP RR Marine CP
OE AP heavy leather LA
OE AP FSA LA
Nocturnal AP WWR heavy combat RL
Cham AP sent USA LA
Weapons:
AA SS S sheepsquatch Club
Assassins 2525 alien disintegrator
B2590 50cal
B50c25 compound bow
B50vhc25 Gauss
B50c25 radium
Exe50c25 NU and Ultra laser rifle
Exe50c25 EPR (AA RS FS)
QE15fr Tommy
V SS 90 buzz blade
V50c25 handmade
Wishlist: Uny PR FDCW LL RL CE
Troubleshooters AP WWR RA CE
Van AP WWR RL and LL marine
Leaders / flux / maps / caps for cheaper armors
submitted by
Financial_Aspect_82 to
Market76 [link] [comments]
2024.05.14 18:20 nlschlesner 2021 Chevrolet Camaro RS 2LT
| ππ¨ Feel the Power of American Muscle! π Get ready to turn heads with the sleek and powerful 2021 Camaro RS 1LT! This beauty isnβt just a car; itβs a statement on wheels. Equipped with a roaring engine and styled with a bold design, itβs the perfect blend of performance and elegance. π₯ Features of the 2021 Camaro RS 1LT: Athletic and aerodynamic exterior High-performance brakes for ultimate control Driver-focused cockpit with advanced technology Unmatched comfort and style Come down to South Texas Buick GMC and ask for Nathan β your go-to guy for the ride of your dreams. Donβt just dream it, drive it! π Contact Nathan today and experience the thrill of the Camaro RS 1LT! Hashtags: #CamaroRS #AmericanMuscle #PerformanceCars #CamaroLove #2021Camaro #CamaroNation #CamaroLife #MuscleCarMonday #SpeedStyle #LuxuryCars #CarGoals #DriveWithPride #NathanSellsCars #SouthTexasBuickGMC #FindNewRoads #PowerPerformance #SportyRide #CamaroCommunity #CarLovers #AutoTrend #InstaCars #Carstagram #DreamCar #CamaroForSale submitted by nlschlesner to u/nlschlesner [link] [comments] |
2024.05.14 07:22 Ankit-Anchan *India Daybook β Stocks in News*
Ethos: Net profit up 58.3 % at βΉ21 cr vs βΉ13 cr, Revenue up 21.7% at βΉ253 cr vs βΉ208 cr (YoY) (Positive)
JSPL: Net profit at Rs 934 cr vs poll Rs 1070 cr, Revenue at Rs 13487 cr vs poll of Rs 11839 cr (Positive)
Chalet Hotels: Net Profit at Rs 82.0 cr Vs Rs 37.0 cr, Revenue at Rs 418 cr vs Rs 338 cr (YoY) (Positive)
DLF: Net Profit at Rs 920 cr Vs Rs 569 cr, Revenue at Rs 2135 cr vs Rs 1456 cr (YoY) (Positive)
Anant Raj: Axis MF bought 26 lakh shares (0.76% stake) (Positive)
Hindalco: Novelis Inc files registration statement on Form F-1 with SEC for the proposed IPO (Positive)
Vedanta: Cairn Oil & Gas's Reserves and Resources portfolio grows 19% year-on-year to 1.4 Bnboe. Vedanta to consider raising funds via issue of equity shares via FPO, rights issue or other ways on May 16 (Positive)
Shriram Finance: Company to sell its housing finance arm to Warburg Pincus for βΉ4,630 crore (Positive)
Cochin Shipyard: Company bags order in the range of βΉ500-1000 cr from a European client for Hybrid SOVs (Positive)
Coromandel Intl: Company to acquire an additional 6.99% stake in Dhaksha Unmanned Sys for βΉ150 cr (Positive)
RVNL: Company gets LoA for an order worth Rs 239 crore from Southern Railway (Positive)
Hero Moto Corp:Company joins the ONDC network, the open network will initially offer two-wheeler parts, accessories & merchandise (Positive)
LTImindtree: EU clears Aramco Digital and LTImindtree Joint Venture. (Positive)
Electro steel castings: Company approved capacity enhancement of di pipe production plant to 6.5 LTPA, Companyβs capacity enhancement at investment of 640m rupees (Positive)
Infosys: Company completes acquisition of leading semiconductor design services provider. (Positive)
Biocon: Company signs semi-exclusive distribution and supply deal for the commercialization of generic SAXENDA in MEXICO with MEDIX (Positive)
TVS Motors: Company introduces new variants to the tvs 1qube portfolio for making electric mobility accessible to everyone (Positive)
Dhanuka Agri: Launch of new product Herbicide in Domestic market (Positive)
GIC Housing: Net profit at Rs 54 cr vs Rs 52 cr, Revenue at Rs 84.0 cr vs Rs 97.0 cr (Neutral)
CE Info: Net profit at Rs 38 cr vs Rs 31 cr, Revenue at Rs 107.0 cr vs Rs 92.0 cr (Neutral)
Maruti: Company launches 2 new variants of Fronx at an ex-showroom price of βΉ8.93 lakh & βΉ9.43 lakh (Neutral)
KPI Green Energy: Companyβs board approves raising up to βΉ1,000 crore via QIP. (Neutral)
Sanofi: Net profit at Rs 136.6 cr vs Rs 603.0 cr, Revenue at Rs 732 cr vs Rs 2851 cr (YoY) (Negative)
JBM Auto: Net profit at Rs 11.2 cr vs Rs 14.0 cr, Revenue at Rs 598 cr vs Rs 673 cr (YoY) (Negative)
BLS E services: Net profit at Rs 10.9 cr vs Rs 25.2 cr, Revenue at Rs 74 cr vs Rs 73 cr (YoY) (Negative)
Siyaram Silk: Net profit at Rs 69 cr vs Rs 88 cr, Revenue at Rs 647 cr vs Rs 695 cr (YoY) (Negative)
submitted by
Ankit-Anchan to
UpdateINDIA [link] [comments]
2024.05.14 05:47 erazerr7 [WTS][ON][GTA] Various guns and gear
For sale - guns Scorpion EVO3 SMG AEG with a Leviathan MOSFET installed. Comes with 4 mid-cap mags, a 11.1v LIPO battery, an EVO3 18mm to 14 mm thread adapter, a repro Surefire XH35 with strobe function and pressure switch (new!), two fore-grips and a repro holographic sight. -
450$ OBO Pictures:
https://imgur.com/a/82kQdRS Comes with no box, so would strongly prefer local pickup in the GTA.
ASG AUG A2 Carbine. Heavily modified - Gearbox fully redone with SHS internals including 13:1 gears. Perun AUG mosfet (goodbye squishy trigger!), 3D-printed safe/semi/auto selector plate, reinforced aluminum feed nipple and ZCI inner barrel installed. Comes with a metal hop-up housing, not yet installed. 2 midcaps, 1 highcap. ACOG repro optic can be included. A supreme AUG -
350$ OBO Pictures:
https://imgur.com/a/LLV3nvV Same deal, no box. Local pickup strongly preferred.
For sale - gear (
new) FMA Caiman helmet, FG size M/L - 65$
(
new) Agilite K13 replica build, RG. Pieces from IDOGEAR, DMGEAR and TactiLeopard. Neck piece can be removed. Amazing quality for a replica. Cost nearly 300$ to build + shipping, letting it go for less -
130$ (
used) Matrix SDEU vest, OD. Fielded a dozen times, slightly worn as a consequence -
50$ Pictures:
https://imgur.com/a/BJhHzS2 Random pieces of equipment, can be bundled with the guns or equipment above (
used, pictured on AUG above) AceTech Brighter C tracer unit -
50$ (
used) MOLLE belt with internal Velcro for fitment to BDU trousers. Comes with pistol mag pouch and kydex holster for G17 -
50$ (
used) Mechanix gloves -
10$ (
used) Shemag or Condor multiwrap -
5$ (
new) Repro earpro -
10$ (
used) ESS Striker XT eyepro, ANSI Z87.1 -
30$ (
new) OneTigris balaclava with mask -
10$ (
used) Condor elbow pads -
15$ (
used) Cold Steel training knife -
10$ Pictures:
https://imgur.com/a/0bhpc94 All gear pieces can be shipped nationwide. Ship cost on buyer, PayPal goods and services payment only.
submitted by
erazerr7 to
airsoftmarketcanada [link] [comments]
2024.05.14 04:06 Gyanbng123 Todays Headlines
βFriends make the good times better, and bad times easierβ.
Happy Morning ππ
Today's Headlines from :
Economic Times
π Edelweiss, Phoenix among ARCs vying for IOB's Rs 13,472-crore NPAs
π China overtakes US to become Indiaβs top trading partner in FY24
π Piramal Group arm invests Rs 600 crore in microlender Annapurna Finance
π DLF to launch 11 million sq ft with revenue potential of Rs 36,000 crore in FY25
π Nayara Energy to set up two ethanol plants for βΉ600 crore
π UPL to file DRHP shortly for raising up to $500 million
π Aditya Birla Capital Q4 Results: Net profit doubles to Rs 1,245 crore
π EPFO extends auto claim settlement facility to education, marriage and housing advance
π Exim posts 62% rise in profits, to raise over Rs 60,000 crore from local markets this year
π India's retail inflation eases marginally to 11-month low of 4.83 per cent in April
π Warburg Pincus brings home Shriram Housing Finance co with Rs 4,630 cr buyout
Business Standard
π TCS announces creation of Global AI Center of Excellence in Paris
π Karur Vysya Bank Q4 results: Net profit rises 35% to Rs 456 crore
π Zomato Q4 result: PAT Rs 175cr; fourth consecutive quarter of profit
π Murugappa Group to foray into e-SCV, plans to invest Rs 3,000 crore on EVs
π Realty firm Shapoorji group seeks more time to clear bondholder payments
π French BPM major Teleperformance to hire 15,000 people by end of 2025
π Zomato seeks approval from shareholders for creation of new ESOP pool
π Coromandel increases stake in drone company Dhaksha; to invest Rs 150 crore
π Airtel to offer cloud and Gen-AI solutions with Google Cloud in India
π Nearly 51 mn person years of employment created annually in last 10 years
π India's import from FTA partner nations up 38% in FY24 against FY19
π After long wait, India inks Chabahar port's 10-year deal with Iran
π Domestically held gold reserve rise by 40% in 5 years, shows RBI data
Financial Express
π Coal imports for blending by domestic power plants down 32% in FY24
π Cairn Oil & Gas reserves & resources grows by 19% in FY24
π Va Tech Wabag secures repeat order worth $49 million in Nepal
π Phoenix to build hotels near Mumbai, Bengaluru
π Amplus Solar aims at 2 GW RE capacity by December
π Govt may consider lifting curbs on rice exports
π India needs Rs 4.2 trillion investment for broadband push
Mint
π IMF staff, Argentina agree loan review to help unlock $800 million
π Vedanta looks to raise funds through issue of equity shares or FPO on May 16
π Melinda French Gates Exits Foundation With $12.5 Billion
π INOX India Q4 results: Net profit jumps 44% YoY to βΉ44 crore; revenue up 17%
π Indiaβs government debt at safe levels: Nirmala Sitharaman
π Govt to complete GIS mapping of entire highway network
π Japan's SoftBank swings to quarterly profit, eyes on Arm unit.
submitted by
Gyanbng123 to
IndianStockMarket [link] [comments]
2024.05.13 23:11 nightof_thelivingzed New lightly modded PVE server starting this Friday: Night of the Living Zed
| Night of the Living Zed - [24/7][PvE][Whitelist][US-East][Long-Term] https://preview.redd.it/o0ekkivge90d1.png?width=600&format=png&auto=webp&s=21b5da91eb2ca50a9d8dc8d891e61e0c2f8c4342 Night of the Living Zed is for players who want a familiar but improved Zomboid experience with light-touch in game administration. We include quality of life mods and lore-friendly, balance-preserving content additions. We offer a long term server for those who want to play the game their own way, and preserve their progress instead of getting it wiped frequently. This server's meant for players that are in it for the long haul and wish to make their own fun. If youβre tired of elaborate server-specific systems, this is your place. We plan on launching on Friday the 17th, at 4:30PM EST. Hope to see you there β both solos and groups are welcome. We hope by announcing ahead of time that anybody interested gets a chance to plan ahead a bit and be there at the start. To get started, please join our discord and submit a whitelist application form. Sign up ahead of time if you can, so that we know how many people to expect at launch. https://discord.gg/DT55tRgDqw Thanks! Hope to see you there. Full mod list: AutoSewing;AutoMechanics;ProximityInventory;NoLighterNeeded;DescriptiveSkillTooltips;SplitItems;mysafehouse;OutTheWindow;moodle_quarters;fridgesoff;ServingPlatesBS;ShowSkillXpGain;SheetRopeClimbingJumping;BetterFlashlights;BB_BreakingIn;WorkingSeatbelt;tsarslib;VaultOverCounters;Threads;DIY_VehicleParts!;ImprovisedGlass;sapphcooking;PantryPacking;LesstroCrate;Armguards;FWOBenchPress&Treadmill;GeneratorTimeRemaining;cropsNeverRot;KnownAndCollected;BuildRoof;TMC_TrueActions;RebalancedPropMoving;truemusic;TrueMusicJukebox;ugWH;projcardz;Barricades41;Computer;PlayableArcadeMachines41;KAMER_RepairWall;poolminigame;LaddersEasyMode;gamenight;VNGarage;RV_Interior_MP;MusicfortheEndOP;noBurntCars;faction_safehouses;PlumbHelp;Amputation;UIAPI;RenameContainers;GMH;NewEkron;Otr;Louisville_Riverboat;PlefordSpringsMapMod;lakeivytownship;CMEHE86oshkosh;ATA_Bus;FRUsedCars;AquatsarYachtClub;KingsmouthKY;ATA_Jeep;Taylorsville_bridge_to_Coryerdon;AnotherVehicleClaimSystemB41;RandomZombiesFull;RV_Interior_Vanilla;RemoveAllItems submitted by nightof_thelivingzed to projectzomboid [link] [comments] |
2024.05.13 22:46 oldmanjenkinsTV bg hv
EXTM3U
EXT-X-VERSION:5
EXT-X-INDEPENDENT-SEGMENTS
EXT-X-STREAM-INF:BANDWIDTH=3511200,AVERAGE-BANDWIDTH=3511200,CODECS="mp4a.40.2,avc1.64002a",RESOLUTION=1920x1080,CLOSED-CAPTIONS=NONE,SUBTITLES="sub1"
https://manifest-gcp-us-east4-vop1.cfcdn.mux.com/cGBd7N01RWl31DTtXwVyj7njxBEZkBAFXmzCv1743b2nA8rf98bHiG00zRsOVzvYRS6V8irlFhLdELWZMqUsQfuu6a00Ibv01ycZ/rendition.m3u8?cdn=cloudflare&expires=1714712400&rid=Ir02FmqsqUnMIpEqH89MdlvWa15QwOo6dCnelCtSI9YI&skid=default&signature=NjYzNDZmNTBfZGZmODlmMzk3OWVjNjBlYjRhNzRhM2JhM2U1ODE1ZGI2ZWQ2N2ExMmM5YTQ3MTkxYjY4ODI0YzU3ZjU1ZmFkMQ== EXT-X-STREAM-INF:BANDWIDTH=1856800,AVERAGE-BANDWIDTH=1856800,CODECS="mp4a.40.2,avc1.640020",RESOLUTION=1280x720,CLOSED-CAPTIONS=NONE,SUBTITLES="sub1"
https://manifest-gcp-us-east4-vop1.cfcdn.mux.com/uYGHZZVcP3LuhhwMtVYs1H8qJiE2ZyPXcL1MvNBlNyLtbOCkBzHj5okx8B41VuW202efZHwd002VXH7l3r02SgAqqwGBWwVh6RuAtsOSMzw2dA/rendition.m3u8?cdn=cloudflare&expires=1714712400&rid=Ir02FmqsqUnMIpEqH89MdlvWa15QwOo6dCnelCtSI9YI&skid=default&signature=NjYzNDZmNTBfNTRmOTcyYjhhMTJiOGIyZDA1MjExZjAxZDYyZThkOGRhODA4MDQ1NjQ3ZmQ3YjZhZGQyZDY1MzVlMThkY2M0Zg== EXT-X-STREAM-INF:BANDWIDTH=916300,AVERAGE-BANDWIDTH=916300,CODECS="mp4a.40.2,avc1.64001f",RESOLUTION=854x480,CLOSED-CAPTIONS=NONE,SUBTITLES="sub1"
https://manifest-gcp-us-east4-vop1.cfcdn.mux.com/Ba1TDryTM00uoSrg01wUhgCD02Np01FpUn7A3bMwlrjhesD01YHxwOzizqjosBDkTxXiUDNQHt3Q0102yf6Rv02wxCALc6oC8VlyOnCvvVZuYib6ERU/rendition.m3u8?cdn=cloudflare&expires=1714712400&rid=Ir02FmqsqUnMIpEqH89MdlvWa15QwOo6dCnelCtSI9YI&skid=default&signature=NjYzNDZmNTBfNzk2NWJiZTU4ODBjYTg1MTgyY2ExN2JmMDk1ZmY5MTE0MjU0N2E3OWRhNjljNmE5ODBhNmU2N2RhYjYxMzBlNQ== EXT-X-STREAM-INF:BANDWIDTH=479600,AVERAGE-BANDWIDTH=479600,CODECS="mp4a.40.2,avc1.64001e",RESOLUTION=480x270,CLOSED-CAPTIONS=NONE,SUBTITLES="sub1"
https://manifest-gcp-us-east4-vop1.cfcdn.mux.com/vkxcAq6OcjhIBUeOKQrh3OWxY01d2cY5VwBMqWn9l02600VtgyicQ1PgdlNJe94aA32nwSxZjThLUtUM9VQRAlmaQhAQvLuGydt/rendition.m3u8?cdn=cloudflare&expires=1714712400&rid=Ir02FmqsqUnMIpEqH89MdlvWa15QwOo6dCnelCtSI9YI&skid=default&signature=NjYzNDZmNTBfZDczN2FhOTBiYjJjMzdmMjQ4Y2QzZGFmODVhZWIxMzVlMWI0NGFhMjFjMzUyZjU5YjI5Y2E4MDFlMTg2NTYwYQ== submitted by
oldmanjenkinsTV to
bhfcccn [link] [comments]
2024.05.13 21:45 bolo_bolo Why everyone says that AE2 is "better" than RS?
My thanks to everyone that replied, for anyone that ends up in this post in the future, I'll list the main pro and cons of AE2 on RS, and then I'll give my opinion on this.
Pros: - Lag Free (note that this seems to only apply to servers and not every server has problems with this) - Crafting with NBT data (I doubt you are going to use this, sorry, but if you do, you need AE2) - Crafting interdimensional (Don't see myself using it, but hey, it's possible) - Crafting with Smithing Table Patterns and Stonecutting (You are also not going to use this) - Crafting with more stuff like chemicals from Applied Mekanistics (you can achieve the same with RS combined with crafters from other mods, like Thermal Expansion and RFTools) - "Less ugly" - Subnets (you can achieve the same result of any AE2 subnet with other solutions, but if you are using AE2, subnets will solve everything with just one mod, which don't seem to be an advantage when you are on ATM that have multiple solutions to each problem) - More tools like formation and anihilation plane (again, you have simillar on other mods, but with AE2 you can make it all with AE2)
Cons: - Setting up and managing autocrafting is unnecessarily complex, not hard, just annoying as fuck, RS just requires you to use one crafter block facing the right direction and problem solved - Type limit on disks (with no addons, addons solve this) - More expensive on early game (kinda, RS is not that cheap also, AE2 is just more annoying to build early) - More annoying to setup, because of channels an all - Way more stuff to learn
Conclusion: First I know how to use AE2, it's not that hard to learn if you already know RS and other storaging systems, yes AE2 is more complex, but not harder, I know that AE2 fans love to feel superior because it's more complex, but being more complex don't mean it's better (not for this at least), AE2 has a lot of unnecessary complexity, if you use other storaging systems you are going to realize that lol. In the future, I'm sticking to RS for 99% of my stuff and just using AE2 for the really necessary cases like NBT crafting (don't see it happening...). Even if you think that you will need to use AE2 for something, you can just make a subnet with AE2 while still using RS, or use other mods to achieve that same result as an AE2 subnet, there's a lot of mods that can solve the same problems that AE2 solve, just the NBT stuff that I didn't know and never needed before, so I don't know if any other mod can do the same.
First, I'm not trying to hate on AE2, I'm making this post so people can help me change my mind and understand why AE2 can be better than RS. So every post comparing AE2 to RS people say that AE2 is more complex, but better, specially for end game. I always used RS on other modpacks but now I'm playing ATM9-NF and decided to go for AE2, so far I have not seen any advantages for AE2, just more complex. For the basics it's not complex, but now I'm starting to use auto crafting and it's worse. You gain on speed if you add a lot of CPU, but it's expensive for little gain compared to diamond crafters with RS, and RS crafters are less complex and easier to use. I imagine that if you are playing a modpack with less mods, AE2 can be more complete, but on ATM you have so many tools to use alongside your storaging solution and crafting that you don't end up with any advantages, just more complexity. And when I say that AE2 is more complex, if you don't agree you are just wrong, because just the amount of cabling, multi-block, subnetworks, channels, all of this just to end up with the same stuff that you have on RS with just less stuff. I know how to operate all of the AE2 stuff, it's not hard, but it's more complexity for no reason. One example for me is that AE2 crafters require you to send the result to the crafter, and no to the system, while on RS you send the result to the system, the difference is that on RS you can have only one smelting system, with different sources sending things to be smelted, but on AE2 I need to have a multi-pourpose smelting system and one separated smelting system just for AE2 crafting, because the result needs to go back to the crafter. Maybe there's a solution for this, but atm I'm more inclined to go back to RS instead of trying to find meaning on AE2.
PS: I'm using also using Drawers and Funcitonal Storage barrels, so most of my storage is with storage bus, so disks are not the core of my storaging yet, but I have this scenario at the starting of RS too.
submitted by
bolo_bolo to
allthemods [link] [comments]
2024.05.13 18:21 ipoopcash trade options
| looking to trade my 15400ST and 15400OR into another 37/39mm royal oak with steel bracelet and rosegold case with leather strap. Which of these do you guys think fits better? would greatly appreciate the help guys! - 15202ST E series with white dial
- 15300OR with white dial
- 15450 OR with white dial
- 15450ST with grey dial
submitted by ipoopcash to audemarspiguet [link] [comments] |
2024.05.13 17:19 GeneralEagle Selling my fully built EVO 6 650-1200hp
| Not sure if selling is allowed :) 37k usd - has over 40k in mods and a Magnus perf build. Located in Florida. Fed legal and titled. I have invoice and build paper work etc. Up for sale is a Federal Legally imported 1999 Mitsubishi Evolution Lancer 6 GSR This is a race spec engine build (bat out of hell), it will take abuse and hold the power well. The possibilities for a 4G63 are amazing, and when you add the magic of a race spec build on top.. Its truly amazing to control this level of power. The car has over $50K into to, the rear diff build, axels and engine alone are $35K. Financing can be done via; https://www.woodsidecredit.com/jdm-finance/ , https://www.lightstream.com/classic-car-financing?cid=AA-14125&irad=88392&fact=14125&irmp=1959121&isredirect=True, or https://jjbest.com/auto-financing/?Source=10781 you could also check personal loan websites like Bestegg.com or Sofi, and your local credit unions. Make sure the rates are comparable to lenders like the above. Usually you need a 600+ Score and 10% down for a loan. Beyond the drive train and suspension, diff work and clean interiorβ¦.The beauty of this car is with the engine, built by Magnus Motorsports, well known for pioneering the 4G63 culture worldwide. Magnus Motorsports is a full-time fabrication and tuning shop, they literally are the gold standard for 4G63's. Their engine building skills are sought after worldwide due to their knowledge and facility. I purchased this car, but will be sticking to my other to build, need space and also funds to continue building my other car. This Evo runs strong, professionally built by an amazing shop and has a great deal of work beyond the perf done to make it run with reliability. I have receipts from the build showing hours and cost that went into this. No trades. Open to serious buyers. Basics: Issel Blue Power window works Keyless Entry (Needs battery) Full engine built approx. $50K in the car Magnus Performance $24K+ engine alone, 2.0L / 2.2L DSM Methanol Drag Motor https://www.magnusmotorsports.com/product/2-0l-2-2l-dsm-methanol-drag-moto Car has 77K miles on it, since being fully built it has 500miles added, never drag raced or roll raced. Oil used Delo 15w-40 Specs: Approx 650 HP daily on pump gas, ready for 1000-1200 depending on tune. Engine: 2.2L, Long block built by magnus performance motorsports Head built by Head Games Magnus Performance Intake Manifold PRP Bits not listed Custom fab on the catch can, New alternator Battery relocation and harness (custom) Installed intake air temp sensor connector New starter New charge piping New spark plugs Engine bay painted New thermostat New power steering reservoir to pump hose Derale power steering cooler R35 ignition coils custom spec 88mm Billet Crankshaft. 10.5:1 custom spec piston ARP L19 rod bolts MLS 0.055β³ Head Gasket Magnus L19 Head Studs Balance Shaft Eliminator Kit Adjustable Cam Gears Magnus Spec Alcohol Camshaft New Lifters and Rockers Gates Timing Belt and all new timing components Front Cover / Oil Pump Assembly Oil Filter Housing Rear main housing All new OE gaskets and seals throughout Turbine: Garret 4088 Turbo, Garrett Turbine outlet flange Fuel: E85 ready Full fuel setup w/ new pumps Bosch Relays Fuel tank cleaned and reinstalled AEM Water /Methanol Kit New water pump pulley, idler, serpentine belt tensioner Intake/exhuast: full custom exhuast. Custom intake piping, intercooler piping Cooling Related: ETS 5 inch core intercooler Drive line and undercarriage: Dryden upraded Swpa kit (Rear Differential Kit / special mounting kit and new bushings) EVO RS Diff BC Racing BR series Coilovers Driveshaft shop Front Axles - high hp ready Driveshaft shop rear axle kit Evo VI (Race spec) - high hp ready Drifeshaft Shop Aluminum driveshaft Mishimoto Aluminum Radiator Mishimoto Silicone Radiator Hoses Ethrottle, drive by wire EVO 9 setup New brake master cylinder New clutch, flywheel, New ball joints in the knuckles and lower control arms Maintains RPM rev in between gear changes Brake related: Rebuilt brakes and painted Body Related: New hubs, bearings, studs ECU: Link ECU management system Tire/Wheel: AVID AV-06 18x8 5x4.5 +35 H/B Anteres ingen 235/40/18 Others: Passenger airbag replaced Wired in boost mode switch and installed lower dash panel drivers side Replaced front fender signal lenses, right tail light, No dings, dents or accidents Body seals are in tact and in good shape Improvement points: Paint work is needed in certain areas, refresh would be best. AC Fan works just needs AC Unit as it was removed during the build (180 new on Ebay). submitted by GeneralEagle to MitsubishiEvolution [link] [comments] |
2024.05.13 13:04 RGfrom5032 Motus Battle League x Gerahay Letra: Hanot 3
submitted by RGfrom5032 to FlipTop [link] [comments]
2024.05.13 12:31 Jhonjournalist Current Updates on the Stock Market Today
| https://preview.redd.it/0as5rtvi860d1.jpg?width=800&format=pjpg&auto=webp&s=844ab8102e13bda524ff7dcf17dd2ee41b003f0e - Nasdaq 100 futures remained close to the flat line, while S&P 500 futures ended the day 1.6% higher.
- Oil prices in India continued to fall on Monday.
- The market capitalization of Tata Motors dropped to Rs 3,17,998.73 crore from Rs 29,946.88 crore.
Awaiting inflation data and the Federal Reserveβs plan for rate cuts, investors are holding split positions in US futures. Nasdaq 100 futures remained close to the flat line, while S&P 500 futures ended the day 1.6% higher. For the eighth consecutive session, the 30-stock Dow saw gains of 125 points on the Dow Jones Industrial Average futures. Stock Market Today Due to sluggish gasoline consumption and remarks from US Federal Reserve officials that dashed expectations of interest rate cuts, oil prices in India continued to fall on Monday. US West Texas Intermediate crude prices were down 5 cents to $78.21 per barrel, while Brent crude futures declined 0.1% to $82.72 a barrel. According to independent expert Tina Teng, oil markets have once again turned their focus back to the global economic picture, brushing off the effects of the turmoil in the Middle East. The market capitalization of Tata Motors dropped to Rs 3,17,998.73 crore from Rs 29,946.88 crore. The company, riding with all three of its auto companies, particularly the British arm Jaguar Land Rover, posted an almost three-fold increase in consolidated net profit at Rs 17,528.59 crore in Q4. Compared to Rs 1,05,932.35 crore year over year (YoY), the total consolidated income from operations was Rs 1,19,986.31 crore. The Nifty Auto index is currently trading at 22,190.65, down 639.60 points, or 2.82 percent. Nifty PSU Bank, Sonal BLW, Tube Investments, and Tata Motors are among the top losers. The India VIX, which measures volatility, has somewhat recovered from its peak for the day and is currently trading 2.19 points, or 11.86 percent, higher at 20.65. Nifty Pharma has moved up 0.18 percent, or 31.60 points, to 18,644.45. Aurobindo Pharma, Sun Pharma, Cipla, and Lupin are among the top gainers. Although consolidated net profit for the fourth quarter increased by more than three times to Rs 17,528.59 crore, Tata Motorsβ share price fell by more than 9%. On Friday, shares valued at Rs 2,117.50 crore were sold by Foreign Institutional Investors (FIIs). Learn More: https://worldmagzine.com/stock-market/current-updates-on-the-stock-market-today/ submitted by Jhonjournalist to u/Jhonjournalist [link] [comments] |
http://activeproperty.pl/