1hotjava

Helping our Condo HOA evaluate roofing bids and they are all over the place with different materials and fastening. This is a garage attached to a multi story condo building, located in Montana (so can have high snow load and some big temperature swings).

We have quotes for TPO and EPDM with both fully adhered and mechanically fastened. The fully adhered options are generally 25% higher cost, so first question is whether there is really that much better of an installation to justify 25% cost adder for FA?

Second question is TPO vs. EPDM. As I understand it EPDM may be better for our weather but the joints arent as durable? The EPDM options are 5-10% higher cost than TPO

Adding generator connection to house so can use my RV inverter generator (upgrading generator currently so want to plan it out, but dont want to oversize because they get f***ing heavy). Looking at MicroAir soft start for my 3.5T Carrier condenser (17A RLA, 112 LRA). MicroAir says it reduces "up to 75%" but I know thats probably fluffed up for marketing. What is anyones real world experience in how much it actually reduces peak starting current?

https://www.cnbc.com/2025/06/18/ram-pickup-truck-warranty.html

This along with Hemi coming back would never have happened if Kuniskis hadn't come out of retirment to right the ship

Background: Helping my compositor daughter pick out a new machine. She is switching from Mac to PC. I'm a Mac guy so PC specs are a bit out of my realm.

Processor: Ryzen 7 9800 or Core Ultra 7 265?

I know it needs lots of memory, so thinking 64GB of DDR5-6000?

Atleast 2TB SSD

Graphics card: Ok so this is where I have seen people say GC is not the critical link with AF? But would something like a nVidia RTX 5070ti be enough or overkill?

Yes there is market manipulation in general, and yes there are headwinds from current news and market direction. But thats not what is causing this to sell off.

People need to just understand that the group on here is not moving price. Price is not currently being moved "by the shorts" (current short interest is 17%). Price is being moved by institutions / whales walking out of their huge multi hundred thousand share positions. And its probably because of some damning words in the 10k on page 64 from BDO their Auditor:

"We… have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (“PCAOB”), the Company's internal control over financia

So I have been trading (mostly swing trading) for about a year. Done well so far, good 2.5-3 RR, typically ~50-60% win rate, One thing I learned early the hard way was not having risk management, proper position sizing, max loss per trade, max loss of total trading equity in a day, etc.

Yesterday was the test of the system that to me proved it worked as it should. Of 20 positions I had open, 18 got stopped out. My max loss was 0.8% of my trading capital. Below target of 1%.

SO if you haven't established a good risk management system, spend the time to learn one and implement. Now I know if there is a drop like 3/9/2020 of 7% in a day I will be very much limited on my loss. After that da

Just a public service announcement to check your roof regularly. Inspect for cracking sealant around everything up there.

Was checking our 2022 R-Pod and saw that there were multiple places where the OE sealant was deteriorating and had come off completely at places like the front and rear corners where the aluminum channel joins the front and rear fiberglass and the PVC roof material. The main plumbing vent also had the OE stuff peeling back. (Absolute crap workmanship from the factory). So I spent today scraping that loose crap off and cleaning the area for some Etrnabond

Mac version of ATP not opening. I get a "You are currently running an unsupported version of Active Trader Pro. Click ok to launch www.fidelity.com/atp and begin downloading the latest version".

So I download the "latest" on Fidelity.com and I get the same error. I have rebooted, uninstalled and reinstalled. It still does this. Version it installed is 1.0.55 on a M2 MacBook Air (2022 version)

Share Distribution Each Year

The way this works is that each year some number of EOs retire or separate and their shares are bought back from them. When their shares are sold they go into the pot of shares to be distributed back to everyone who is still participating in the plan. The total quantity changes year to year obviously depending on who leaves and how many shares they had. This number can vary pretty wildly, sometimes the available shares are 1/2 the previous year or they may be double (or somewhere in between or above and below that). 

Per 26 U.S. Code § 409(b)(1)(B) ( https://www.law.cornell.edu/uscode/text/26/409 ) the shares

Continuation of The subject. So far lots of good discussion.

Comment #3: "But I cant buy enough shares because I don't have enough cash"

Yes this is an issue and management is working on that. This is one reason the year end contribution % was increased for people who have 10yrs or less. Also a reason why dividends are pushed up (a higher dividend means lower stock price increase which means you can buy more shares with your cash). 

Side Note: So how the system works for a first year person is that they get a "year end contribution" effective 12/31 but that doesn't show up until April. Well, we all get a YE contribution but it is key for first year people as it gives you your first infus

Continuing from the last post with another comment I hear a lot, like all the time.

Comment #2: "Why Don't They Do a Stock Split?"

This would be completely useless. The reason for that is when you split the stock, let's say you get double the shares, the price of the stock goes down by half, so do dividends per share. So having a split means nothing, the account value would remain the same. 

Why does a publicly traded company split? Because they are trying to keep share price low because a lot of brokerages you can only buy in whole shares. We can buy in fractional shares, so it doesn't matter.

So I thought I would post this as I see on here, and in the office, questions / comments from newer EOs about their ESOP, mostly around number of shares. This is just a first post to see where the conversation goes and if it's worth my time to explain stuff or if there is just going to be a bunch of shit talk. Yes, I have been drinking the Kool-Aid for over 20 years and I once had my doubts, but have seen how things turn out.

Note that I won't divulge any company financial information nor my own account values on this forum. I will however try to answer questions or comments to the best of my knowledge.

Comment #1: "I Won't Ever Get as Many Shares as the 20 year people." No you won't. Jus