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@ halalmoney
2025-05-06 10:48:29
Kuiper… could be one of Amazon’s smartest long-term plays. With 82% of U.S. households already subscribed to Prime, Amazon doesn’t need to out-innovate Starlink; it just needs a decent product and a frictionless bundle. Fold Kuiper into Prime and suddenly millions get an offer they can’t refuse.
If Kuiper delivers 80% of Starlink’s performance at half the price, it’ll win on scale, trust, and reach. Musk may be ahead on engineering, but his volatility is starting to erode consumer goodwill.
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Microsoft has the peanut butter of tech (decent growth) and the chocolate of a defensive company (global, diversified, recession-proof). It’s got the largest recurring corporate revenue base in history with Office, and now it’s got rocket fuel with AI. That’s why people are flocking to it as part of a broader flight to quality.
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The AI flywheel is spinning: In the last six months, Meta’s AI-driven content recommendations increased time spent on Threads, Facebook, and Instagram by 35%, 7%, and 6%, respectively. Internally, AI is reshaping how Meta operates. CEO Mark Zuckerberg predicts it will handle half of Meta’s engineering tasks within a year.
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I think Apple is ground zero for what I’m calling the “great multiple contraction” across U.S. markets. It’s the most widely held stock in the world. It marks American tech. And I think as capital flows reverse globally, there’s just no way that won’t come out of Apple.
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25 percent of Americans under 40 still owe money on student loans. But the more alarming stat is that just 38% of borrowers are current on their payments… The core problem is that the cost of college has increased faster than inflation and median family income.
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What’s even more troubling is how little financial literacy stood between students and life-altering debt.
• Nearly 1 in 5 student loan borrowers (19%) don’t know their current student loan balance.
• 1 in 5 student loan borrowers (20%) say they borrowed more than they needed just because it was offered.
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Ed's Take:
I think a lot of people, especially in my generation, don’t realize how important your credit score actually is, and the damage it can do to you if you don’t take good care of it. Liberty Street did an analysis: It found that each time you miss a student loan payment (a delinquency), your credit score drops by around 150 points.
So just to paint a picture of what bad credit can do to you:
1) You pay higher interest rates; you’re seen as risky to lenders so you have to pay more on any loans you receive in the future.
2) It can affect your employment. A lot of employers actually check your credit, and if you have bad credit it can cost you a job.
3) It affects your ability to rent. Landlords also check credit. If you have a low score you pay a higher security deposit, and in many cases you’re flat out rejected.
And 4) It simply limits your access to credit. You can get rejected for mortgages, basic loans, and even credit cards.
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Scott's Prediction:
Kuiper will be worth more than Starlink and will have greater penetration in the United States as it will be stitched into Amazon Prime.
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Source:
Winners and Losers of Big Tech Earnings, Scott Galloway