ARM
Arm Holdings plc
stock NASDAQ ADR

My high conviction 17 stock tech portfolio is as follows: (+19.47% YTD)
* NVDA - 7.91%
* TSM - 7.32%
* LRCX - 7.05%
* MSFT - 6.96%
* AMD - 6.91%
* ASML - 6.33%
* MELI - 5.98%
* AMAT - 5.78%
* INTU - 5.51%
* ANET - 5.44%
* GOOGL - 5.39%
* KLAC - 4.66%
* MPWR - 4.38%
* ADBE - 3.81%
* SNPS - 3.68%
* CDNS - 3.65%
* ARM - 3.35%

I didn't do a 15 year 2% buy down. The 15/1 ARM they offered was just 2% lower interest rate than their 30 year fixed. Closing costs are one time, and this credit union was close to the cheapest.
Downside is after 15 years it could adjust to 9%. Even in that scenario, locking in 4% for 15 years makes up for 9% on the back half compared to 6% for all 30 years

Who was getting ARMs when you could get fixed rates that low? That’s crazy. I could see people getting ARMs now while rates are higher and a level of expectation that they won’t move much higher or possibly lower. But if you were getting a mortgage in 2020 why were you getting an ARM when fixed was 3 or less

I had an ARM until this year, then I paid off the house as the rate was going to float. That’s how to use ARM’s, if you can.

I got a 4.1% ARM in 2023, all the fixed year mortgages were at 6.5%.
Here is the kicker, it will rebalance once in 2038, so we have 15 years to refi below 6.5%. the worst case scenario is it rebalances to the maximum rate and I break even compared to a 6.5% fixed.

It is true. ARMS have increased in SPECIFIC income brackets, and although they have increased, they still make up a VERY small portion of US household mortgages. Also the underwriting on those ARM loans are nothing like they were in 2008 & are not at high risk of default. I literally look at this stuff everyday for my job. But okay.

I kind of fell into the trap of buying NVDA and SMCI calls and making stupid amounts of money very quickly. I’m primarily trading NQ now, occasionally YM/MYM because of the different basket. Also take swing trades on NVDA, ARM, some others if I see an obvious breakout.
For a while a thought MACD crosses were just the best thing ever until you realize how useless they are in consolidation. Basically tried every strategy at some point.

LOL Jonny Ive. He is a glorified interior designer, he did product packaging, nothing more. His foray into the software UI design was a disaster.
And you they haven’t innovated in 15 years and I gave you a long list of clear innovations, including TouchID and FaceID, which you couldn’t rebut so you moved the goalposts to “products” lol.
You simply don’t understand the Apple design process at all. It’s slow, meticulous, and engineering and human factors driven. They are never first to market. They are furry to market with the first truly usable and valuable entrants, even if it takes years longer to polish and build new tech.
Apple Vision Pro is a clear example of that. It’s the first AR/VR headset that’s clearly usable as a general propose work device in the office. Apple didn’t compromise when making it, not on materials and not on frame rates, it had the highest fidelity and least lag in the market when released.
And like the first iPhone, its sales were a fraction of its future potential and many pronounced it a failure. Apple is going to to use this as its entry bar and continue to produce new versions with similar performance at far lower cost using new silicon, as well as far more powerful versions, until the market explodes and those like you who only can view in hindsight, miss the train.
And Intel/AMD have bend chasing Apple Silicon and ARM for a half decade and the performance per watt difference is as large as ever because the 50 year old x86 architecture is so outdated and full of cruft it’s dragging them down. Every year Windows on ARM gets better and more compelling, just as ATM servers do, and they are slowly eating away at x86 market share. The future is clearly ARM.
You didn’t have a single business analysis response to my post other than iPhone is 50% of their business. No duh, what an insight. What you missed is that Apple makes the majority (closer to 70%) of profits in the three major markets, PC, phone and tablet. That’s a huge moat, since people don’t switch platforms often.

*"I have to believe anything with significant short interest would probably get lent out eventually."*
Agreed.
***Warning***: ChatGPT response (Prompt: "what are good stocks to participate in a brokerage's fully paid lending program"):
# 1. High Short Interest / Meme & Speculative Stocks
* **GME** (GameStop)
* **AMC** (AMC Entertainment)
* **BBBYQ** (Bed Bath & Beyond, if still trading OTC)
* **CVNA** (Carvana)
* **BYND** (Beyond Meat)
# 2. AI / High-Volatility Tech
* **PLTR** (Palantir Technologies)
* **NVDA** (NVIDIA) – not always hard to borrow, but temporarily can be.
* **UPST** (Upstart)
* **IOT** (Samsara)
# 3. IPOs or Low Float Stocks
* **ARM** (Arm Holdings) – semi-recent IPO
* **CRWD**, **SNOW** (CrowdStrike, Snowflake)
* **CRWV** (CoreWeave, once public)
# 4. Biotechs / Clinical Trials Volatility
* **SAVA** (Cassava Sciences)
* **BCRX**, **NKTX**, **NVAX** – volatile and shorted.

Hey, I’m a new cardiology fellow - salary around 70k currently with over 30k in the bank, looking at whether it is worth buying a house or continuing to rent until done with fellowship. Rent is around 1.1k vs house payment will be around 1.5k for 30year mortgage w/ interest being 6.125% in a 7 year ARM. I would likely not live in this house more than 3 years (years of residency) and may consider renting it or selling it afterwards. I don’t have much other expenses as hospital provides most of my food needs as it is. So let’s just put 500 in other expenses per month. Issue is is have around 400k in med school loans that I had started PSLF payments however since in forbearance now - not sure what will come of PSLF. I’m not against the apartment I am at (been here for residency with ZERO issues) the rent is fine and location. I guess the question is - is it worth me leaving my apartment for a house? Especially given the fact of my debt.

Do your DD for PL, CRWV, ARM etc