Z
Zillow Group, Inc. Class C Capital Stock
stock NASDAQ

Das ist die Versicherung bei es extrem einfach ist für den Versicherer zig Gründe herbeizu zaubern warum man nicht zahlen muss. Zwei Beispiele. Z.B. hat meine Frau eine Bekannte aus dem Einzelhandel. Bandscheiben Vorfall. bandscheiben OP. Probleme mit den Füßen weswegen sie schon mal ein Jahr lang ausgefallen ist. Psychische Probleme auch noch gehabt. Ach ja. Herzprobleme ebenfalls. Die BU zahlt erst wenn du im Koma liegst. Anderer Bekannter. Koch. Ich zähle jetzt hier keine Liste auf, was er alles hat aber das würde so ziemlich alles sprengen. Kann eigentlich nicht mehr gehen und nicht stehen. Akute Blutdruck und Herzprobleme und und und. Humpelt auch nur. BU sagte nö. Rausgeschmissenes Geld.
Ach ja... Ich kenne da noch einen Fall aber der ist so spezifisch, das ich da nicht weiter beschreiben möchte. Wegen Psyche kannst du die BU übrigens streichen. Meine Frau arbeitet in einen Bereich in dem alle Dauer Burnout und Psyche (verständlich bei der psychischen Belastung) haben und vergiss die BU hier.

Bold of you to think social security will exist for millennials or Gen Z.

When I was a teacher most kids used iPhones. Their Gen Z and Gen Alpha data is likely far superior to Google.

Interesting, Gen Z can’t afford to drink, sucks for them, but drinking is like the #1 pass time so

Z cash as well

This one is a 1996TT. I loved 80s/90s JDM as well. I am particularly fond of the Z lineage. This is Z #9 for me. The next will probably be a 2026 so I can have the 96 and 26 in the driveway.

They went down because of the tariff announcement.
That forced them to increase price of product. Once the customers are used to paying the price it will level itself out like anything else, even with the tariffs their products are substantially cheaper than competing brands. Now the big money shot is if the tariffs ever get undone. If the tariffs ever reverse they will like everyone else keep their price the same and their profit margins will go through the roof. They are less than one percent of the make up market which means they have a ton of marketshare to grow. They have proven they are growing. The other thing is that they have latched on to the Gen z market as they are aging into money spending age. Gen Z is broke as shit but one thing women can't do without is make up. As the older generation of women are being replaced with a younger generation and the wealth begins to transfer I believe Sephora and other archaic make up brands will transition to the new generation of make up buyers.
This is what gives me conviction on ELFs future.

I’m sure some operate that way. But large businesses hedge, they are paying you today at X-Y because they are selling today at X+Z. 
Keeping a transaction in limbo for weeks just does not sound like a solid business model. 
That “we will pay you based on the spot of when we get to melt your particular batch” sounds very artisanal. 

Salut à tous !
J'ai 15 ans et je ne veux pas perdre mon temps. Mon objectif est clair : être prêt à lancer mes activités sérieusement le jour de mes 18 ans.
Pour l'instant, je fais déjà un peu d'achat-revente sur Vinted pour comprendre le business, mais je m'intéresse énormément au trading. Je sais que je ne peux pas ouvrir de compte réel avant ma majorité, donc j'ai 3 ans devant moi pour "poncer" la théorie et m'entraîner en fictif.
Le problème : je suis un peu perdu. Entre les vidéos YouTube qui promettent la lune et les termes techniques, je ne sais pas par quel bout prendre le truc.
Est-ce que vous auriez des ressources (livres, sites, chaînes YouTube sérieuses) qui expliquent tout de A à Z ? Je cherche à comprendre les bases du marché, pas des "signaux miracles".
Merci pour votre aide !

No it is just pure math man. 
X% of people with a FICO v8 score under Y will not pay their debt, so you must charge Z% fee to all FICO under Y to not lose money. 
It's not personal or targeted or anything. It is cold, hard statistics and an accurate quantitative underwriting of their risk based on decades of credit lines from hundreds of millions of borrowers. 
Now if you morally think people should never be charged that much as it makes their situation worse, I can buy that, but surely you have to understand the alternative isnt cheaper credit, it is no credit. Those are the only two options: an APR which nets greater than $0 on average, or no offering of credit to people with FICOs under like 770, which would have some pretty severe implications that I think you are underselling. 

I think as the wealth transfer from the boomers to millennials and Gen Z takes root, younger generations are going to be more keen on upholding and manifesting the above narrative. Idk if anyone knows for sure though

Just buy (V/X/Z)EQT if you’re in Canada and want 100% stocks. I don’t think bonds are necessary for your age, but you are concentrated in one sector (tech), one country (US), one size (large cap), and one style (growth). And you pay currency conversion fees to buy QQQ (CAD to USD and USD back to CAD).

Buzzfeed. You know it, you love to hate it, but you've hit that clickbait. Admit it. It's alright, we've all done it. There is no shame in it, promise. It was a right of social media passage for many a millennial and core Gen Z. Maybe you've taken that quiz to pick your favorite sweets to determine which Golden Girl you are.
This thing went public at $1.5B valuation in 2021 via SPAC and it's been hemorrhaging ever since. It's been reverse split and diluted so many times and toxic warrants are hanging over it's death bed. It's been bad times, sure, but there is a potential turnaround coming in 2026. BuzzFeed Island is a new social media platform that is AI driven, promising to make your group chats fresher, more customizable, and down right fun. Not even X has fully integrated AI in this way yet. 
If they manage new content properly (they originally brought us Worth It, The Try Guys, and Hot Ones) without back handing the content creators again and turn around their debt problem, it could be the come back story of the year.
*TL;DR*
**Bad**
* Heavy debt load (debt-to-equity over 100%), current liabilities high vs. cash (\~$34M cash but liabilities pushing $90M+).
* Ad market sucks for everyone. Vertical video (TikTok style) is eating their lunch.
* Dilution risk forever: If they need more cash (likely), more shares/warrants are incoming.
* Current content feels forced, and stale. It lacks imagination, like beating a dead horse.
**Good**
* Core brands hanging on: Tasty (food content) and HuffPost still have loyal traffic.
* Commerce and affiliate revenue is holding up better than pure ads.
* Sold the smash hit First We Feast/"Hot Ones" for $82.5M, giving them a needed cash injection to pay down debt and extend runway.
* CEO is pushing AI for quizzes and content, relaunching their YouTube channels, and focusing on direct visits & programmatic growth.
* If they stabilize revenue (goal $185–195M FY2025) amid their positive EBIDTA and hit profitability, this could be worth it on a long hold.
* Potential: Low float, cheap entry. What-ifs are ad rebounds or another viral hit.
This is a high-risk gamble on a battered media zombie. It's not unlike half of the penny stocks without the name recognition. Ugly history, bad balance sheet, but tiny upside if they actually turn it around.
Could be a dead cat bounce or actual revival. Interesting to see if they really can make a comeback. Q4 financials typically post early-to-mid March.
DYOR, not financial advice, and all that jazz.

You are Gen Z aren't you?

Facebook is unc in Gen Z terms

Du brauchst als Langzeitanleger keine Markttrends. Mit dem all world biste so breit gefächert, dass du einfach auf generelles Wirtschaftswachstum setzt. Die Frage ist eher, ob du noch etwas anders gewichten willst (z.B. ist der US-Anteil sehr hoch). Für Aktien bist du damit aber eigentlich langfristig schon gut aufgestellt.
Ich würde mir noch überlegen, ob du abgesehen von Aktien noch in andere Assetklassen investieren willst, und dich so noch etwas breiter aufstellst. Z.B. Edelmetalle (Gold, Silber etc.), Bitcoin oder langfristig auch Immobilien o.ä.

Ich würde es nicht machen.

Für den normalo deutschen Anleger der 15+ Jahre investiert hat und hohe 6-stellige Buchgewinne hat, gibt es effektivere Lösungen. Z.B. für 1 Jahr in ein Niedrigsteuerland auswandern um die Buchgewinne zu realisieren und dann zurück nach DE.

idk, I have 2 Gen Z kids. They both own nicer homes than the first one we bought in the 90s. And they both have many more acres of land than we have now.

Gen Z has cut down on their effort at work because they do not think it is worth it if they cannot afford long-term financial goals, per YF

Das habe ich doch im 2. Absatz sogar mit Beispiel erklärt.
Was interessiert es, dass es nur eine begrenzte Anzahl von Dingen vom Typ X gibt, aber an Typ X nichts besonderes ist und er jederzeit gegen Typ Y oder Z ersetzt werden könnte oder auch gar keinen Typen? Es gibt auch eine begrenzte Anzahl von 1990er Happy Hippos, die sind trotzdem nichts wert (was einige Leute in den Neunzigern auch nicht geglaubt haben, BTW).