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

Hello, u/bitty_elephant. Thanks so much for stopping by the subreddit. I'm happy to help with linking your Fidelity account to your rewards account.
You should use the nine-digit alphanumeric account number. This typically begins with an X or a Z, followed by eight digits.
Please let us know if you continue to have any difficulty linking your account.
I appreciate your time and business. Have a great day!

Gen Z and later think Facebook is lame, Zuck has overspent on AI bright stars and possibly over invested in glasses tech, and the organisation as a whole is behind the curve on what people want

Try again. I accumulated most of my physical silver between end of 2016 and 2019. Right now I'm sitting pretty.
For you specifically, we are not allies. You come off like the Italian dude in the movie Euro Trip. You feign being "pro silver" but the message between the lines is anything but. This has nothing to do with ego and everything with keeping this community healthy/positive. Note, I'd equally call out anyone who would claim "trust me bro, silver will be $1000/oz tomorrow, buy this collector coin and don't miss out".
Lastly to prove my point about in between the lines, verbatim your post read: "SO YOU ALL remember that silver crashed to 45$ in 2011 just like now . and then got totally destroyed later right?"
Sure, you did not literally say we're going back to the $30 range, that was an extrapolation of mine but the "totally destroyed" from $45 implies at least a $39 figure and if we go back in reality post 2011 it eventually got down to the teens per oz, so I actually have given you the benefit of the doubt by saying $30. Secondly as I detailed quite clearly in the other response, while you are not making an absolute claim you are putting a damper on the mood with what I believe is over the top doom and gloom. If you wanted to be fair about it all you need to do is post neutral analysis. Example, according to my analysis if we hit $X/oz we can experience a breakdown to $Y/oz with support at $Z/oz.
There are plenty of those here and not once have I found issue because they are factual, not FUD invoking like you.

In bestimmten Situationen auf jeden Fall. Z.b. wenn du in 4 Jahren ein Darlehen zurückzahlen musst.

Pretty much what title says. I am very new to investing, and I feel like there are way more untrained investors than ever.
I am an older Gen Z and I definitely see how my generation would rather invest in the market rather than in real estate. I might be completely wrong too, but it's almost impossible to get a home in a HCOL area.
Will textbooks and typical financial analytics continue to work in predicting stock performance? At my last place of work, I had coworkers on the verge of retirement who were panic selling in April and moving all investments from medium to low risk.
I have seen a few news sources pointing out how most investing is "retail" now, as it has been more accessible by the masses.

Agreed, they’ve gotta give young people a chance to buy a home. I voted for our new president hoping younger folks would finally get the opportunity to buy a house and start a family, but this guy keeps introducing policies that basically inflate home prices to keep his biggest voting base i.e. the boomers happy. Eventually, market dynamics will catch up. The median salary is $61K, and the median home price is $435K. Gen Z and millennials just can’t qualify for housing anymore. It’s only a matter of time before the whole thing implodes. I don’t get how people here don’t see it. A big correction in housing is coming.

Your brokerage account is your account number. It would be nine total digits, some start with a letter like X or Z.
Anything longer as well as routing numbers are used for electronic transfers or direct debits.

Guys you have to understand what happened after the crashes. After 1987, Boomers stepped in to save the day with all their hard work. After the great recession, millenials stepped in with all their technology and internets. But after the crash of the 2026, we are basically depending on Gen Z 😵‍💫

You can in fact set up and use accounts in such a way where they can't be traced back to you directly. But the reality has always been the same. If you live in a place with taxes and rules about income treatment from different sources, you should honest and include all transactional activity in your reports that affects it.
I would love for my investment in crypto to return multiples upon my investment but I intend on admitting it and paying taxes where due to help support the system that allowed me to actually have the Fiat to inject into the crypto system in the first place. Also I am a voter and believer that blockchain technology can truly be adopted in order to help us mitigate a lot of the waste and unnecessary expenses of these automated Antiquated systems we can easily automate and make more efficient thereby costing the people who it serves less.
Blockchain technology makes it easier to track transactions not harder. There are privacy chains like Z cash and if you utilize most of the money on chain and you never connected to an account or send money to an exchange where you have to identify yourself you can easily remain anonymous. It may be difficult for you to use any value gained anonymously in the real world publicly without causing you legal liabilities.
Who wants a bunch of money you can never actually spend? I think the point here is for us to openly transparently figure out how to honestly create resource equity and cut out middlemen that are unnecessary and encourage everybody to be a value producer. But that is just me and how I think and if you read this whether you agree or not thank you for taking the time and feel free to share your thoughts.

There is no need to believe me and feel free to disagree. I am just guessing. Just weeks ago there were clips of people standing in line to buy gold in the news. Not standing in line in front of BTC machines. It might actually change with Gen Z growing adult. Millenials 50:50. Gen X and older no way. And I think its a myth that the newer generations are tech savvy. The should be but are not. On top of being ignorant people are stupid. The will download a broker to hold their coins because its easy and convenient. Trusting a 3rd party and ruining its whole purpose.
I mean just Look at all these posts. 1 BTC is still 1 BTC and people are losing their minds.

If I'm asked how much cash I have I'll say mind your business, but if I'm looking to secure a loan and asked what my debt to income is and what I'll be putting down as down payment and what I have as collateral, I would provide the following:
Monthly debt obligations, gross income, cash and liquid assets, and how much cash I'll put down.
My net worth, however, is the better comparison. If you ask what my net worth is, I'd say I had X in my checking, Y in my savings, Z in my 401k, AA in Computershare, minus a car loan and a small French loan for my son's braces.
We're more calculating the net worth of the company, not just cash on hand.

This guy is such a cuck. When there is a selloff he tells us we’re 2 weeks away from the bottom. Then he tells us we’re going to have a massive bull run for reasons X,Y,Z (none of which ever pan out).

Mark Z is the problem tbh. They need to get rid of the guy. It's not his actions necessarily; it's his face.

d1 and d2 are related by d2 = d1 - sigma\_t \* sqrt(t)
It's difficult, but not impossible to derive the black scholes equation by starting with the payoff of a call option and evaluating it's expectation. Assume that S\_t follows a geometric brownian motion. The rough diagram of the proof is as follows.
1) C = max(S\_T - K, 0)
2) E\[C\] = E\[ (S\_T - K)\]\*Pr(St - K > 0)
3) E\[C\] = ( E\[S\_T\] - K ) \* Pr(Ln(St/K) > 0)
4) Substitute that ST = S0 \* exp((r - sigma\^2 /2 ) T + sigma W-t) from GBM and note that Wt = sqrt(t)\*Z where Z is normally distributed.
5) Evaluate the probability so that you get the form Pr(Z < x) and you realize that x = d2...
6) Multiply across and you see that E\[ST\] \*N(d2) = S0 \* N(d1)
7) C = S0\*N(d1) - K\* N(d2) Q.E.D

After holding my bags all the way through the last bull run, this time I actually did something with my gains — bought a house, furnished it from A to Z, and even grabbed a car. I’m not making the same mistake twice, and I don’t get why people keep repeating it. Stop listening to YouTubers, stop staring at those “$200K–$300K” predictions. If you’re happy with your profit, start scaling out. That’s how it works.

Ahh. You must be Gen Z. Best of luck.

Aight. I'll stick w Z. It's 20 flat here asw

Yo apes, dropping my two cents on the long-term bull/bear showdown for HIMS, HOOD, and UNH because someone asked for the real tea, not the CNBC fluff. This is 3-5 year horizon stuff, not day-trade noise, so buckle up. Everything here is fresh off Nov 2025 data—earnings, filings, analyst takes, short interest, the works. No copypasta, all reworded in my own voice. Let’s ride.
Starting with HIMS, the telehealth rocket that’s up triple digits this year and chilling around forty-five bucks a share. Forward earnings multiple is chunky at 50x, but the growth is stupid: 80%+ revenue pops projected straight through 2027, mostly riding the GLP-1 weight-loss wave plus mental health and women’s health add-ons. They’ve got 1.5 million subscribers now, average revenue per user climbing 20% year-over-year, and EBITDA margins just cracked 15%. Cash flow per share could hit five bucks by 2028 if they keep compounding. Hedge funds are stacking in—38 big players now versus 31 last quarter. Zacks slapped a Strong Buy on it. Bull case says they grab 5% of a hundred-billion-dollar telehealth pie and the stock prints two hundred or higher by decade’s end. The Novo Nordisk breakup? Shorts calling it a disaster, but bulls say it’s a nothing-burger—HIMS just pivots to their own compounded versions and keeps the party going.
Flip the script to the bear side and things get spicy. Short interest still north of 15%, gross margins are juicy at 80% but operating costs are ballooning. GLP-1 supply is gonna flood the market by 2027 and crush pricing power; right now 40% of revenue is one category. Amazon Pharmacy and Teladoc are lurking with deeper pockets and real infrastructure. DCF on the dark side spits out twenty bucks a share if growth throttles to 20%. One guy on here already dumped his entire bag calling the moat “non-existent.” DOJ is sniffing around compounding rules, and recessions make people skip the $99/month subscription real quick. Net-net, I’m tilting bullish if you buy dips under forty, but if the weight-loss hype dies, bears feast.
Next up, HOOD—the meme broker that turned legit and sits at $130 after a 150% YTD rip. Funded accounts over 25 million and growing 30% year-over-year, average revenue per user north of $150 thanks to crypto trading (20% of revenue), margin loans, and Robinhood Gold subs hitting a million users. They’re sitting on six billion cash, zero debt, and just bought a crypto wallet to keep expanding. Crypto ETFs are soaking up fifty billion in inflows, retail is back in force, and 24/7 trading plus new ETF launches scream “everything app” for millennials and Gen Z. Technicals show a consolidation triangle ready to break; Mizuho’s old fourteen-dollar target got obliterated months ago. Bull case says three hundred to four hundred by 2030 if the risk-on party keeps rolling.
Bears, though? Oof. Seventy percent of revenue is still transaction-based, so any bear market and volumes crater—remember 2022 when revenue dropped 35% overnight. RSI is 72, stock’s a hundred percent above its 200-day moving average, classic overbought territory. Schwab and Fidelity are eating lunch with better tools and no payment-for-order-flow drama. SEC fines and regulatory heat never fully go away. If interest rates tank and volatility dries up, monthly active users stall hard. Bear DCF lands around fifty bucks. I’m riding the bull wave in a bull market, but I’ll be adding on any 20% pullback to eighty. Recessions turn HOOD into a pumpkin.
Last but not least, UNH—the healthcare behemoth that’s down 20% YTD to $310 after the cyberattack mess and Medicare headwinds. Still a dividend king with a 3% yield and four hundred billion in annual revenue. Optum is the growth engine—projected to two hundred billion by 2028 with AI squeezing costs and margins climbing past 8%. Medicare Advantage enrollment up double digits every year, EPS compounding 12% like clockwork. Post-dip, it’s trading 13x forward earnings versus an 18x historical average. Bull DCF says five hundred easy by 2028 as healthcare eats 20% of GDP. Ten billion annual buybacks and a track record of beating the S&P in ten of the last twelve bear markets. Management says full recovery in three to five years.
Bear case is regulatory Armageddon. DOJ is probing Optum acquisitions, Medicare could slice premiums 5%, medical loss ratios are stuck above 85% after the Change Healthcare breach cost them two billion and counting. Claims inflation is real, pricing power is slipping. Bear DCF lands at two hundred flat—35% downside from here. Policy risk under any administration is the wildcard. Still, I’m calling this a screaming value play. Bulls win the long game unless the regulators go full scorched earth.
Wrapping it: HIMS and HOOD are your growth moonshots—10%+ CAGR if stars align. UNH is the defensive cash cow that prints in any weather. Spread your bets, watch Q4 earnings for the next leg, and always do your own homework because Wall Street changes its mind faster than a diamond-hand paper-hands. What’s your play, degenerates? 🚀🩳

Die Bundeswehr wurde über Jahrzehnte kaputtgespart. Gäbe Investitionen in gute Ausrüstung, Infrastruktur, und solide Konzepte zur Motivation von Freiwilligen (Boni für die Studienzulassung, Ausbildungsperspektiven, attraktiver Sold und Umfeld), würden Freiwillge ihr die Bude einrennen, zumal bei dem derzeitigen wirtschaftlichen Umfeld. Diese Investitionen einzuleiten, vor allem im Bereich Personalwesen und Infrastruktur, würde auch nicht mehr Zeit beanspruchen als die Wiedereinführung der Wehrpflicht.
Durch lächerliche Symbolpolitik mit Musterungszirkus und Beschäftigungstherapie in Kasernen wie in den 90ern wird ein russischer Angriff um 0% unwahrsceinlicher. Das geht nur mit Investitionen. Und die gibt es nur, wenn Geld erwirtschaftet wird. Z. B. von jungen Leuten, die Arbeiten anstatt gezwungenermaßen in Kasernen ihre Zeit zu verschwenden.

Mein Vater hat auf der Höhe des kalten Krieges 15 Monate lang seinen Grundwehrdienst geleistet. Der hätte mit seiner Zeit sicher auch was schöneres anfangen können. 
Aber nein: die dummen Boomer sind an allem schuld. Auch daran, dass die Gen Z heute... die gleiche gesellschaftliche Verantwortung übernehmen muss wie die Boomer damals? 
Seltsames Argument, aber hey. Hier geht's schon lange nicht mehr um Argumente und konstruktives Miteinander - hier wird nur noch geheult und gejammert.