This is my first DD post on any company, be gentle.
Disclaimer: I am long RKT. This is not financial advice, and I am not receiving any compensation whatsoever from anyone for this post. I’m not a professional, I’m not even an amateur, this is a Wendy’s.
Sources used: RKT investor relations website and company website, RKT earnings transcripts, SEC fillings, the SEC EDGAR database, sea king al pha, whalewisdom, finbox, yahoo finance, stockcharts, openinsider, Zacks, google sheets.

Summary
Rocket Companies (RKT) is a fintech company that operates several brands including the flagship Rocket Mortgage. I think RKT presents an opportunity to buy serious value at a cheap price, because the market has not priced in the underlying fact that RKT is a tech company akin to Square, Paypal, etc.

RKT has disrupted the lending industry and has embraced a fully digital ecosystem, which will continue to drive customer acquisition and retention in the future
RKT spends considerable money and resources on UX/UI development, client experience, and marketing. This will also help drive their continued expansion into the lending market.
The RKT “ecosystem” provides a “full cycle” solution for everything related to real estate transactions and insurance. They serve real estate professionals looking to generate leads, develop those leads, better serve their clients, and make every stage of real estate transactions smoother. From the client side, they similarly just make everything easier - it’s an app, it’s online, it’s doable from home and it’s not complicated. There’s an inherent advantage in what they’re doing here because closing on real estate transactions has always been something that’s complex, unpleasant, expensive, and not well understood. You need lawyers, you need agents, there’s a ton of paperwork, it sucks. RKT is changing all of that.
RKTs balance sheet, income, and liabilities support a stock price several times higher than the current one in my opinion.
RKT is currently stagnant in price, and the market appears to be pricing it like a traditional mortgage company, not a rapidly growing tech company (which they are).
RKT has been around for decades (skips the startup costs that will provide barrier to entry for newer companies looking to do what they’re doing), but somehow seems to still be leading the tech charge in the industry. That’s a unique and potent combination in my opinion.
RKT needs a catalyst to get the market to value it as a tech company instead of a lending company. Once that happens, and I expect it to sometime within the next year, RKT should approach an appropriate valuation such as 20x earnings. That’s an estimate I pulled out of nowhere, but is commensurate with the low end of P/E ratios for companies I see as similar to RKT.

Key Point - RKT is Priced Like a Legacy Mortgage Company
The average estimate for 2020 year end revenue is $15 billion, and the yearly earnings estimate average is $3.85 per share.
This estimate gives a ttm P/E ratio of just over 5.5. The sector median is something like 8-12, which makes RKT cheaply valued relative to the earnings it produces, even compared to the financial/mortgage sector. What’s key here is, I don’t think that’s really an appropriate comparison. I would place them more in line with companies like Square (ttm P/E ratio of 325x lol), PayPal (ttm P/E ratio of 69x, nice), or Fiserv (ttm P/E ratio of 24x). I used Zacks for all of these P/E ratio lookups.
Let’s assume RKT is conservatively worth 15x earnings, and that it hits the estimate of $3.85 eps. That would put its fair value right now at $57.75 per share. I think it’s worth more than that but, we all should do well to remember that it’s really only worth whatever the market will pay for it.
Key Point - Catalysts
This thing needs a catalyst. Right now I am loading up. I’m buying shares, I’m selling SHORT TERM covered calls to reduce basis on those shares, but I will be stopping the sale of those covered calls within a couple weeks most likely. The Q4 earnings announcement will be on 2/25. I am not sure that the actual earnings numbers will be enough to wake this thing up, although I expect them to be good. But if that announcement comes with discussion of their focus for 2021 and beyond, and gets the market thinking about them as a tech company first and mortgage lending company second, things will start to heat up. I don’t know when the real catalyst will hit that triggers the run-up, but I think it could start with the Q4 earnings call. I am looking at $21 as the floor for this stock, and I expect the price to double within a year. I will be acquiring OTM LEAPs, expiring next spring.
Supporting information and background follows.
The Business
RKT is in the business of providing solutions to financial transactions, including mortgage origination and refinancing, auto lending, and more. Specific subsidiaries and my simplistic view of how they interact:
Home Financing

Rocket Mortgage - The mortgage company. This is a prominent “public facing” part of the Rocket ecosystem.
Amrock - Amrock provides title insurance, property valuations, and other solutions. I see this as “supporting infrastructure” to keep clients within the rocket ecosystem where they would otherwise need to go elsewhere and is part of what makes RKT a one-stop-shop.
Amrock Title Insurance (ATI) Company - basically does underwriting for Amrock. The “business end” in my simple understanding of the world.
Nexsys - provides a streamlined approach to the closing process with their Clear Sign and Clear HOI technologies - taking care of closing day authentications and sharing of homeowners insurance information.
Lendesk - Lendesk specifically provides solutions for the mortgage market in Canada
Edison Financial - Basically the “front end” of Lendesk that Canadian clients would interact with.

Home Sale and Search

Rocket Homes - Rocket Homes is a proprietary home search platform and real estate agent referral network. Basically this matches buyers, sellers, and agents, and is a key aspect of keeping clients completely working within RKT for all aspects of real estate buying/selling/financing.
For Sale By Owner - A digital marketplace designed to let clients buy and sell real estate on their own. I think it’s absolutely brilliant that RKT owns this, but more on that later.

Auto & Personal Financing

Rocket Auto - Supports rental and online car purchasing platforms.
Rocket Loans - online personal loan solutions for clients.

Media

Core Digital Media - a major advertiser in the mortgage, financial, insurance, and education sectors.
Lower My Bills - this company is basically a “portal” business model that connects people with providers of various loan and insurance products.

Services & Technology Development

Rock Connections - Basically a sales and support platform that handles appointments, prequalifications, generating leads, and data analysis among other things.
Rock Central - I will generalize this as “business support”. HR, administration, etc.
Rocket Innovation Studio - A tech incubator to gather and engage top talent and ideas.

Recent Acquisitions
RKT, through Lendesk, acquired Finmo back in October of 2020 (https://finance.yahoo.com/news/rocket-companies-subsidiary-acquires-fast-182042594.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAALnvnNBoglSnmMP0O61AqgXBJokNS53LjJYuG3NvYKhayp4I6ZH2RpfmFUbSsCAU4xmnBNGMTwiEG-Ly29EabVy1-OjPIGfkYoQ3389gn3Edebs9sIwWOy1tPzqjRwOwwGA_PWg0cNzEFCe7HBTilMwADUT_y0QxWw8vizWecGcv) Finmo is a rapidly growing Canadian digital mortgage platform and this acquisition I think was perfect - it shows RKTs dedication to embracing a fully digital experience, and making sure they’re the ones leading that charge.
Management
I do not have much to say here, aside from this. The RKT team is not the new kids on the block, they have decades of industry experience. Also, I value leaders that make people feel valued. And on that note, under CEO Jay Farner Quicken Loans has been in the top 30 of Fortune’s “100 Best Companies to Work For” list for 17 consecutive years.
Financials and Growth
When it comes to the numbers, RKT is killing it. I don’t want to just spout a bunch of numbers that anyone can easily go look up so here’s a couple that stood out to me from the Q3 earnings announcement and related data:
$4.63 billion in revenue, which is 163% YoY growth.
From that revenue, they beat EPS estimates with $1.21 for the quarter vs $1.09 expected.
Net income was $2.4 billion which represents a YoY growth of 365%.
Closed loan volume YoY growth was 122% to $89B.
Net rate lock volume was $94.7 Billion (101% growth).
RKT has brought in $13.1 billion in revenue in the first 3 quarters and seems to be on track to close out Q4 with yearly revs above $15 billion.
That’s awesome but what I really like is that they pair this amazing growth with $3.5B cash on hand. That’s great because I want them to be able to scale as they grow, and make acquisitions as needed (see Finmo) to ensure they can keep that growth going without getting overextended and failing to capitalize.
RKTs ability to recapture clients is one of the keys to their future success in my uneducated opinion. Their recapture rate is 4.6x the industry average. The Q3 earnings transcript includes a statement by the CEO on how when interest rates fall, retention rate falls, refinance activity is larger. The high recapture rate RKT has serves as a natural hedge to their retention of existing clients because their recapture is so much higher than average in the industry.
Quick aside - RKT announced a $1 billion share buyback program. They’ll be able to repurchase shares from time to time starting Nov10 2020, ending in two years. I don’t love the idea of share buybacks because I think this can be detrimental to actual business growth for the sake of shareholder value. However, with the large cash position RKT has (and it doubled from December 2019 to September 2020) I think this is a reasonable way to deploy some of that cash for now.
Ok so what about valuation using DCF, free cash flow analysis, something like that? Honestly I’m not convinced this is as useful as some people make it out to be. It’s nice to know what the numbers indicate, but I don’t spend a lot of time worrying about an exact price target based on anything like this. That said, you can crunch the numbers yourself or check out something like the Finbox resources:
https://finbox.com/NYSE:RKT/models/dcf-growth-exit-5yr
I don’t believe that fair value estimate for an instant, but it's a part of the puzzle to consider. Finbox has various models you can check out, but it’s also just a nice place to view aggregate data other than directly from the SEC filings.
Product Channels
RKTs direct-to-consumer channel is their main source of revenue right now, but I think they will be successful in their efforts to grow their partner channels as well. Why do I say that? Numbers don’t lie:

Direct-to-consumer Q3 growth: 131% YoY ($53.5B closed loan volume)
Partner Network growth 127% YoY ($29.6B closed volume)
- Adjusted Revenue for Partner Network is up 502% YTD vs 2019 ( see Q3 earnings transcript)

The partner network volume is a little over half of the direct-to-consumer volume but the growth rate is just so damn juicy. That revenue growth is hellathicc.
Current Market and outlook
Right now, rates are low. The average 30-yr mortgage fixed rate is 2.92% (https://www.cnbc.com/2021/02/03/mortgage-refinancing-surges-but-high-home-prices-stop-buyers.html)
I cannot say how long interest rates will remain low but I believe RKT is positioned to continue to grow regardless of what rates do moving forward. They just cover so much of the space, and they do it with a focus on applied technology.
Here’s some blatant speculation. I think as we move into 2021 and the vaccine becomes more prevalent, millennials will buy, sell, and borrow against real estate with renewed intensity. I think RKT is uniquely positioned to capture that market.
Positions: RKT shares. Cost basis of $21.14.

Rocket Companies (RKT) DD - An Undervalued Gem

Disclaimer: I am long RKT. This is not financial advice, and I am not receiving any compensation whatsoever from anyone for this post. I’m not a professional, I’m not even an amateur, this is a Wendy’s.
Sources used: RKT investor relations website and company website, RKT earnings transcripts, SEC fillings, the SEC EDGAR database, sea king al pha, whalewisdom, finbox, yahoo finance, stockcharts, openinsider, Zacks, google sheets.
Summary
Rocket Companies (RKT) is a fintech company that operates several brands including the flagship Rocket Mortgage. I think RKT presents an opportunity to buy serious value at a cheap price, because the market has not priced in the underlying fact that RKT is a tech company akin to Square, Paypal, etc.

RKT has disrupted the lending industry and has embraced a fully digital ecosystem, which will continue to drive customer acquisition and retention in the future
RKT spends considerable money and resources on UX/UI development, client experience, and marketing. This will also help drive their continued expansion into the lending market.
The RKT “ecosystem” provides a “full cycle” solution for everything related to real estate transactions and insurance. They serve real estate professionals looking to generate leads, develop those leads, better serve their clients, and make every stage of real estate transactions smoother. From the client side, they similarly just make everything easier - it’s an app, it’s online, it’s doable from home and it’s not complicated. There’s an inherent advantage in what they’re doing here because closing on real estate transactions has always been something that’s complex, unpleasant, expensive, and not well understood. You need lawyers, you need agents, there’s a ton of paperwork, it sucks. RKT is changing all of that.
RKTs balance sheet, income, and liabilities support a stock price several times higher than the current one in my opinion.
RKT is currently stagnant in price, and the market appears to be pricing it like a traditional mortgage company, not a rapidly growing tech company (which they are).
RKT has been around for decades (skips the startup costs that will provide barrier to entry for newer companies looking to do what they’re doing), but somehow seems to still be leading the tech charge in the industry. That’s a unique and potent combination in my opinion.
RKT needs a catalyst to get the market to value it as a tech company instead of a lending company. Once that happens, and I expect it to sometime within the next year, RKT should approach an appropriate valuation such as 20x earnings. That’s an estimate I pulled out of nowhere, but is commensurate with the low end of P/E ratios for companies I see as similar to RKT.

Key Point - RKT is Priced Like a Legacy Mortgage Company
The average estimate for 2020 year end revenue is $15 billion, and the yearly earnings estimate average is $3.85 per share.
This estimate gives a forward-looking P/E ratio of just over 5.5. The sector median is something like 8-12, which makes RKT cheaply valued relative to the earnings it produces, even compared to the financial/mortgage sector. What’s key here is, I don’t think that’s really an appropriate comparison. I would place them more in line with companies like Square (ttm P/E ratio of 325x lol), PayPal (ttm P/E ratio of 69x, nice), or Fiserv (ttm P/E ratio of 24x). I used Zacks for all of these P/E ratio lookups.
Let’s assume RKT is conservatively worth 15x earnings, and that it hits the estimate of $3.85 eps. That would put its fair value right now at $57.75 per share. I think it’s worth more than that but, we all should do well to remember that it’s really only worth whatever the market will pay for it.
Key Point - Catalysts
This thing needs a catalyst. Right now I am loading up. I’m buying shares, I’m selling SHORT TERM covered calls to reduce basis on those shares, but I will be stopping the sale of those covered calls within a couple weeks most likely. The Q4 earnings announcement will be on 2/25. I am not sure that the actual earnings numbers will be enough to wake this thing up, although I expect them to be good. But if that announcement comes with discussion of their focus for 2021 and beyond, and gets the market thinking about them as a tech company first and mortgage lending company second, things will start to heat up. I don’t know when the real catalyst will hit that triggers the run-up, but I think it could start with the Q4 earnings call. I am looking at $21 as the floor for this stock, and I expect the price to double within a year. I will be acquiring OTM LEAPs, expiring next spring.
Supporting information and background follows.
The Business
RKT is in the business of providing solutions to financial transactions, including mortgage origination and refinancing, auto lending, and more. Specific subsidiaries and my simplistic view of how they interact:
Home Financing

Rocket Mortgage - The mortgage company. This is a prominent “public facing” part of the Rocket ecosystem.
Amrock - Amrock provides title insurance, property valuations, and other solutions. I see this as “supporting infrastructure” to keep clients within the rocket ecosystem where they would otherwise need to go elsewhere and is part of what makes RKT a one-stop-shop.
Amrock Title Insurance (ATI) Company - basically does underwriting for Amrock. The “business end” in my simple understanding of the world.
Nexsys - provides a streamlined approach to the closing process with their Clear Sign and Clear HOI technologies - taking care of closing day authentications and sharing of homeowners insurance information.
Lendesk - Lendesk specifically provides solutions for the mortgage market in Canada
Edison Financial - Basically the “front end” of Lendesk that Canadian clients would interact with.

Home Sale and Search

Rocket Homes - Rocket Homes is a proprietary home search platform and real estate agent referral network. Basically this matches buyers, sellers, and agents, and is a key aspect of keeping clients completely working within RKT for all aspects of real estate buying/selling/financing.
For Sale By Owner - A digital marketplace designed to let clients buy and sell real estate on their own. I think it’s absolutely brilliant that RKT owns this, but more on that later.

Auto & Personal Financing

Rocket Auto - Supports rental and online car purchasing platforms.
Rocket Loans - online personal loan solutions for clients.

Media

Core Digital Media - a major advertiser in the mortgage, financial, insurance, and education sectors.
Lower My Bills - this company is basically a “portal” business model that connects people with providers of various loan and insurance products.

Services & Technology Development

Rock Connections - Basically a sales and support platform that handles appointments, prequalifications, generating leads, and data analysis among other things.
Rock Central - I will generalize this as “business support”. HR, administration, etc.
Rocket Innovation Studio - A tech incubator to gather and engage top talent and ideas.

Direct-to-consumer Q3 growth: 131% YoY ($53.5B closed loan volume)
Partner Network growth 127% YoY ($29.6B closed volume)
- Adjusted Revenue for Partner Network is up 502% YTD vs 2019 ( see Q3 earnings transcript)

$RKT DD TO THE MOOOOONNNNN🚀🚀🚀🚀🚀🚀🚀🚀🚀

By petriefly42 This is my first DD post on any company, be gentle.
Disclaimer: I am long RKT. This is not financial advice, and I am not receiving any compensation whatsoever from anyone for this post. I’m not a professional, I’m not even an amateur, this is a Wendy’s.
Sources used: RKT investor relations website and company website, RKT earnings transcripts, SEC fillings, the SEC EDGAR database, sea king al pha, whalewisdom, finbox, yahoo finance, stockcharts, openinsider, Zacks, google sheets.

Summary
Rocket Companies (RKT) is a fintech company that operates several brands including the flagship Rocket Mortgage. I think RKT presents an opportunity to buy serious value at a cheap price, because the market has not priced in the underlying fact that RKT is a tech company akin to Square, Paypal, etc.
RKT has disrupted the lending industry and has embraced a fully digital ecosystem, which will continue to drive customer acquisition and retention in the future RKT spends considerable money and resources on UX/UI development, client experience, and marketing. This will also help drive their continued expansion into the lending market. The RKT “ecosystem” provides a “full cycle” solution for everything related to real estate transactions and insurance. They serve real estate professionals looking to generate leads, develop those leads, better serve their clients, and make every stage of real estate transactions smoother. From the client side, they similarly just make everything easier - it’s an app, it’s online, it’s doable from home and it’s not complicated. There’s an inherent advantage in what they’re doing here because closing on real estate transactions has always been something that’s complex, unpleasant, expensive, and not well understood. You need lawyers, you need agents, there’s a ton of paperwork, it sucks. RKT is changing all of that. RKTs balance sheet, income, and liabilities support a stock price several times higher than the current one in my opinion. RKT is currently stagnant in price, and the market appears to be pricing it like a traditional mortgage company, not a rapidly growing tech company (which they are). RKT has been around for decades (skips the startup costs that will provide barrier to entry for newer companies looking to do what they’re doing), but somehow seems to still be leading the tech charge in the industry. That’s a unique and potent combination in my opinion. RKT needs a catalyst to get the market to value it as a tech company instead of a lending company. Once that happens, and I expect it to sometime within the next year, RKT should approach an appropriate valuation such as 20x earnings. That’s an estimate I pulled out of nowhere, but is commensurate with the low end of P/E ratios for companies I see as similar to RKT. Key Point - RKT is Priced Like a Legacy Mortgage Company
The average estimate for 2020 year end revenue is $15 billion, and the yearly earnings estimate average is $3.85 per share.
This estimate gives a ttm P/E ratio of just over 5.5. The sector median is something like 8-12, which makes RKT cheaply valued relative to the earnings it produces, even compared to the financial/mortgage sector. What’s key here is, I don’t think that’s really an appropriate comparison. I would place them more in line with companies like Square (ttm P/E ratio of 325x lol), PayPal (ttm P/E ratio of 69x, nice), or Fiserv (ttm P/E ratio of 24x). I used Zacks for all of these P/E ratio lookups.
Let’s assume RKT is conservatively worth 15x earnings, and that it hits the estimate of $3.85 eps. That would put its fair value right now at $57.75 per share. I think it’s worth more than that but, we all should do well to remember that it’s really only worth whatever the market will pay for it.
Key Point - Catalysts
This thing needs a catalyst. Right now I am loading up. I’m buying shares, I’m selling SHORT TERM covered calls to reduce basis on those shares, but I will be stopping the sale of those covered calls within a couple weeks most likely. The Q4 earnings announcement will be on 2/25. I am not sure that the actual earnings numbers will be enough to wake this thing up, although I expect them to be good. But if that announcement comes with discussion of their focus for 2021 and beyond, and gets the market thinking about them as a tech company first and mortgage lending company second, things will start to heat up. I don’t know when the real catalyst will hit that triggers the run-up, but I think it could start with the Q4 earnings call. I am looking at $21 as the floor for this stock, and I expect the price to double within a year. I will be acquiring OTM LEAPs, expiring next spring.
Supporting information and background follows.
The Business
RKT is in the business of providing solutions to financial transactions, including mortgage origination and refinancing, auto lending, and more. Specific subsidiaries and my simplistic view of how they interact:
Home Financing
Rocket Mortgage - The mortgage company. This is a prominent “public facing” part of the Rocket ecosystem. Amrock - Amrock provides title insurance, property valuations, and other solutions. I see this as “supporting infrastructure” to keep clients within the rocket ecosystem where they would otherwise need to go elsewhere and is part of what makes RKT a one-stop-shop. Amrock Title Insurance (ATI) Company - basically does underwriting for Amrock. The “business end” in my simple understanding of the world. Nexsys - provides a streamlined approach to the closing process with their Clear Sign and Clear HOI technologies - taking care of closing day authentications and sharing of homeowners insurance information. Lendesk - Lendesk specifically provides solutions for the mortgage market in Canada Edison Financial - Basically the “front end” of Lendesk that Canadian clients would interact with. Home Sale and Search
Rocket Homes - Rocket Homes is a proprietary home search platform and real estate agent referral network. Basically this matches buyers, sellers, and agents, and is a key aspect of keeping clients completely working within RKT for all aspects of real estate buying/selling/financing. For Sale By Owner - A digital marketplace designed to let clients buy and sell real estate on their own. I think it’s absolutely brilliant that RKT owns this, but more on that later. Auto & Personal Financing
Rocket Auto - Supports rental and online car purchasing platforms. Rocket Loans - online personal loan solutions for clients. Media
Core Digital Media - a major advertiser in the mortgage, financial, insurance, and education sectors. Lower My Bills - this company is basically a “portal” business model that connects people with providers of various loan and insurance products. Services & Technology Development
Rock Connections - Basically a sales and support platform that handles appointments, prequalifications, generating leads, and data analysis among other things. Rock Central - I will generalize this as “business support”. HR, administration, etc. Rocket Innovation Studio - A tech incubator to gather and engage top talent and ideas. Recent Acquisitions
RKT, through Lendesk, acquired Finmo back in October of 2020 (https://finance.yahoo.com/news/rocket-companies-subsidiary-acquires-fast-182042594.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAALnvnNBoglSnmMP0O61AqgXBJokNS53LjJYuG3NvYKhayp4I6ZH2RpfmFUbSsCAU4xmnBNGMTwiEG-Ly29EabVy1-OjPIGfkYoQ3389gn3Edebs9sIwWOy1tPzqjRwOwwGA_PWg0cNzEFCe7HBTilMwADUT_y0QxWw8vizWecGcv) Finmo is a rapidly growing Canadian digital mortgage platform and this acquisition I think was perfect - it shows RKTs dedication to embracing a fully digital experience, and making sure they’re the ones leading that charge.
Management
I do not have much to say here, aside from this. The RKT team is not the new kids on the block, they have decades of industry experience. Also, I value leaders that make people feel valued. And on that note, under CEO Jay Farner Quicken Loans has been in the top 30 of Fortune’s “100 Best Companies to Work For” list for 17 consecutive years.
Financials and Growth
When it comes to the numbers, RKT is killing it. I don’t want to just spout a bunch of numbers that anyone can easily go look up so here’s a couple that stood out to me from the Q3 earnings announcement and related data:
$4.63 billion in revenue, which is 163% YoY growth.
From that revenue, they beat EPS estimates with $1.21 for the quarter vs $1.09 expected.
Net income was $2.4 billion which represents a YoY growth of 365%.
Closed loan volume YoY growth was 122% to $89B.
Net rate lock volume was $94.7 Billion (101% growth).
RKT has brought in $13.1 billion in revenue in the first 3 quarters and seems to be on track to close out Q4 with yearly revs above $15 billion.
That’s awesome but what I really like is that they pair this amazing growth with $3.5B cash on hand. That’s great because I want them to be able to scale as they grow, and make acquisitions as needed (see Finmo) to ensure they can keep that growth going without getting overextended and failing to capitalize.
RKTs ability to recapture clients is one of the keys to their future success in my uneducated opinion. Their recapture rate is 4.6x the industry average. The Q3 earnings transcript includes a statement by the CEO on how when interest rates fall, retention rate falls, refinance activity is larger. The high recapture rate RKT has serves as a natural hedge to their retention of existing clients because their recapture is so much higher than average in the industry.
Quick aside - RKT announced a $1 billion share buyback program. They’ll be able to repurchase shares from time to time starting Nov10 2020, ending in two years. I don’t love the idea of share buybacks because I think this can be detrimental to actual business growth for the sake of shareholder value. However, with the large cash position RKT has (and it doubled from December 2019 to September 2020) I think this is a reasonable way to deploy some of that cash for now.
Ok so what about valuation using DCF, free cash flow analysis, something like that? Honestly I’m not convinced this is as useful as some people make it out to be. It’s nice to know what the numbers indicate, but I don’t spend a lot of time worrying about an exact price target based on anything like this. That said, you can crunch the numbers yourself or check out something like the Finbox resources:
https://finbox.com/NYSE:RKT/models/dcf-growth-exit-5yr
I don’t believe that fair value estimate for an instant, but it's a part of the puzzle to consider. Finbox has various models you can check out, but it’s also just a nice place to view aggregate data other than directly from the SEC filings.
Product Channels
RKTs direct-to-consumer channel is their main source of revenue right now, but I think they will be successful in their efforts to grow their partner channels as well. Why do I say that? Numbers don’t lie:
Direct-to-consumer Q3 growth: 131% YoY ($53.5B closed loan volume) Partner Network growth 127% YoY ($29.6B closed volume) Adjusted Revenue for Partner Network is up 502% YTD vs 2019 ( see Q3 earnings transcript) The partner network volume is a little over half of the direct-to-consumer volume but the growth rate is just so damn juicy. That revenue growth is hellathicc.
Current Market and outlook
Right now, rates are low. The average 30-yr mortgage fixed rate is 2.92% (https://www.cnbc.com/2021/02/03/mortgage-refinancing-surges-but-high-home-prices-stop-buyers.html)
I cannot say how long interest rates will remain low but I believe RKT is positioned to continue to grow regardless of what rates do moving forward. They just cover so much of the space, and they do it with a focus on applied technology.
Here’s some blatant speculation. I think as we move into 2021 and the vaccine becomes more prevalent, millennials will buy, sell, and borrow against real estate with renewed intensity. I think RKT is uniquely positioned to capture that market.
Positions: RKT shares. Cost basis of $21.14.

Lockdown 3.0 Things to do, plus help and support.

Disclaimer I want to thank everyone for the gilds, replies and suggestions. I just do not have time to reply to everyone, but I am reading everything. I am not sure how much bigger the thread can be, I already typed this but it vanished so I think I'm at the limit. I will try to keep updating, but I don't expect the thread to be up top for much longer and will likely vanish soon, so if you need anything save it.
Yes, it's hard, it sucks, it's depressing. It is something we all have to do if you want to see this virus go. Everyone knows the deal, too many think they're the exception but no one is. However, staying home is hard so maybe I can help at least one or two people with some incentives. I'll try to give links to some things that can help cure the boredom, and some support if you need it.
Most of this might be obvious to some, some might not even have internet and of course, money is a big issue, so I'll try to give some suggestions:
For streaming and on demand things such as Netflix et al, don't forget you can subscribe for free for your first month. This goes for most things in the list. If you are worried about putting in your payment details and forgetting to cancel a month later, don't worry! You can sign up and immediately cancel and you still get your free month!
For people who don't have a smart TV, you can buy a cheap Amazon Fire TV stick or a Roku box. The Fire stick can go as low as £20 often for 1080p. It will drop to £30 for 4k.
I picked up a 4k Roku device for £18 on Amazon once. It's fast and snappy. currently it's going for £33 for the 4k version. Having both, there is little difference between the devices. NowTV also do their own roku powered device.
Subscription based streaming sites that all offer 2-4 weeks free for first timers

Netflix *According to comments the second month is free.
Amazon Prime You can either get Amazon video on its own, or take prime with other benefits. I strongly urge those who use Amazon for buying off their store front to use [https://smile.amazon.co.uk/] as there is literally no difference except everything you buy amazon donates to a charity of your choice.
Now TV (I believe it's 7 days)
Disney+
Britbox
Amazon channels. I believe you can get all these individually but Amazon offers them as channels bound to your prime account, and they are again either free for a couple weeks (again, take them, cancel instantly) or very cheap. I recently subscribed to Starzplay for £1 for 3 months. It has some good shows on it like Fringe, doom patrol. It also has channels like Curiosity stream and shudder

If you have not subscribed to the any of the above, you can get a few months of free TV by signing up and cancelling instantly. I suggest waiting at least 5 minutes just to let it go through the system.
Some tips for Now TV. IF you already have a subscription, I've noticed you can get it cheaper by cancelling. When you cancel they will beg you to stay. Select "I can not afford it this month" and they should beg again, telling you what shows they have. If you say you still want to cancel, they'll beg one last time and offer you the subscription for cheaper. This won't work every month, but I've noticed they'll always offer it the first time, then again after a couple months. If you're subscribed to both films and entertainment do the most expensive one as it may not work both times (but it might!). You can also pick up passes from storefronts a lot cheaper sometimes, before I could pick one up on Amazon for £3 but, they seem to have cracked down on it. If you shop around (or if anyone knows of a legitimate store please let me know) you might be able to pick it up cheaper. Lastly, check their website and under your account they should have an "offers for you" section.
Completely free TV

If you do have a smart TV and/or device, there are some good free streaming apps. One I really love is called PlutoTV. I know this is on both Roku and the fire stick, as well as Ps4/Ps5 and xbox.
Pluto offers a bunch of live channels and now an on demand section, all for free. It has adverts but they are actually short (shorter than regular TV and fewer of them). Some of the channels are just streaming certain shows like Mythbusters 24/7 or Dog the bounty hunter, but it has a lot of old movie channels as well as 24/7 kickboxing and MMA. It also has a 24/7 poker channel I quite like.
Another one I like is Rakuten Viki however, I haven't watched it for a while as my fire stick is only 1080p and I have too many other devices attached. I believe it is on Roku but you have to jump through some hoops and have an account. The last I checked on the fire stick you did not. Viki offers a metric ton of Asian shows, mainly from Japan and South Korea but it does have chinese, Malaysian etc. It has subtitles. Some Japanese shows are hysterical, albeit weird.
Roku also do their own channels with free shows if you own a device.
For those who don't have a smart TV or a Streaming device, you can set up your own computer as a dedicated streaming device with Plex. It's been a while since I used it but I believe it now also offers free movies and TV.
Anime
If you are into Anime there is

The first 2 are free to watch, or offer premium without ads which you can have a trial with. Crunchyroll is the better of the two with more original choice for Japanese voice and subs, while Funimation has more Dubs. I don't believe HiDive is free to watch but you do get a 2 week trial. These are more exclusives than the previous two.
PC Centric software
If you are a gamer or like Audiobooks or anything that uses computers for things like music making, programming or graphic design

Humble Bundle offers, as per the name, bundles. A long running site that got bought out by IGN. It offers both single items and bundles you can buy individually/as a pack while also offering a separate monthly subscription for around £8-9. The subscription gives you 12 games on average per month. That's the simplest explanation but it changes somewhat as sometimes you get to pick 10 out of 14 games, or get all 12.
Humble bundle offers more than just games though. Every Tuesday they bring a new bundle of games, while Thursday (I "think) a new bundle of books. They very often have books from the Black Library giving you a ton of Warhammer books. Sometimes it's standard E-books, other times it's audiobooks. A few times a year they do bundles for graphic design, a typical bundle would include programs like Paintshop Pro Corel Painter etc, They usually go for £0.76 for tier 1 up to around £18 for tier 3, which would include 4-6 full titles with 10+ addons. They also often have Music making bundles or video editing software as well as Programming or video game development.
The bundles change often, they usually have around 11 bundles at a time that last for 20 days. Sometimes it's trash but they do often have some very good deals.
Fanatical offers the same as humble bundle except usually not as high quality, but sometimes they do have some incredible deals, and they are very very cheap.
Both humble and fanatical are safe, trusted and been around a long time, and they are NOT grey market key sites. They work with the publishers and developers. You can buy games both old and new for a lot cheaper than you would most other places. Unless it states otherwise, keys are usually for steam.
**BOTH HB and Fanatical (HB much more common) offer free games fairly often. The catch is linking your steam account to them (at least HB). It is safe however.
IndieGala is another site like above. Except, these are much much lower quality. However, they offer a metric ton of free games. Quality is low but it is legitimate, and a lot of free stuff.
Game Store Fronts

Steam This one is so obvious I didn't add it, but apparently many want me to. It is the best out there, and you can find almost everything, with fantastic deals.
Greenmangaming offers games cheaply. Again, not a grey market site (which are legal but unethical) and they sometimes do bundles.
GoG (Good old games) is a DRM free site run by CDPR, the makers of the Witcher 3 and Cyberpunk. They offer you games quite cheap and not needing DRM (such as Steam, Uplay etc which is less invasive versions of dodgy DRM from the olden days).
Epic Games Despite the controversy whether you care about their rivalry with valve, they offer free games ever week. Without ever having bought anything I have gained over 170 games. literally. Good games for the most part. They often give you £10 coupons as well.
Twitch Everyone knows twitch, but if you don't, it's a streaming service for watching gamers and girls with low cut tops accidentally bending over in front of the game. However, if you're signed up to prime, you get free games each month (and randomly between the set bunch).
Playstation Store Currently has January sales. Currently the free games for PS+ are for PS4: Shadow of the Tomb Raider and Greedfall. For the Ps5 it is Maneater
Games with Gold Bleed 2 and the King of Fighters XIII is available until Janurary 15th whilst little Nightmares is available until January 31st.

Gaming Subscriptions
Like the TV versions, you can sign up to these for a free trial (or very cheap). If you do sign up to only one at a time, it should keep you busy for a few months

Xbox Game Pass You can do this on both/either an Xbox or PC. If you sign up to the regular one, you can get a month (maybe three!) for £1. After you have done that, you can sign up to the premium version for 3 months at £1 a month. Most people know game pass, but you can download a large selection of games for free. The premium version gives you games with gold, allowing you to keep the games forever (but can only play with a subscription)
Ubisoft+ I'm not 100% sure if you get a trial or not. This allows a large collection of Ubisoft titles to play for £12.99 a month. Quite expensive but good if you like Ubisoft titles I guess.
EA Play EA's version. Goes by a ton of names I think, EA Access, EA Play, Origin Access etc etc. There's a couple of versions of this, and it is across all platforms (PS4/5, Xbox, PC) but not sure about the switch. I "think" the premium allows you to play on all platforms, while the cheaper one on a single platform, but I may be mistaken.
PS Now a once terrible service that is now actually very good. Allows you to download some Ps4 games to your PS4/5 and lets you stream a massive amount of Ps2/3/4 to your PC or playstation.

There's more like nvidia's service but you need the Shield device which is quite expensive. I'll leave it at that.
Audiobooks & Ebooks

Audible Not sure what the current deal is but if you are a prime member you can sign up for a trial and get a free Audiobook each month for 3 months. Some warhammer books are 48 hours long, 3 of those gives you a good 100+ hours of listening!
Comixology Another Amazon company, but lets you download some free comics I believe.
Marvel Unlimited No experience with this. ItFuckingWont wanted me to add it. A subscription service for Marvel.

Education

Sign Language BSL here No experience myself, suggested by n21brown and asked for a few times. Didn't know SL was so popular! Listed as "Pay what you can"
BBC's Bitesize here is apparently good for home learning. Again, no personal experience.

If you need some spare change
Okay, I don't generally bother with it, but maybe some of this could be useful to you. These are NOT a quick way to make a fortune. These are small things you can do over time for a bit of pocket change

If you have prime you can get a FREE FIVE POUND GIFT CARD by literally just streaming a song from Amazon music (which is included in prime) here is the details According to the comments it's only for select people, but it's worth trying If the link doesn't work for you just google "Amazon £5 coupon music"
Now, these sorts of sites have been around for years, I haven't used any other than talkInsights which I must have signed up to 10-15 years ago. Basically they send you surveys and you answer them. They are confidential and don't ask for personal details in the survey. You need 2000 points and you get £20. During the pandemic they've slowed down but I probably get around £40 a year. Not much I know, but it's an email followed by a quick survey ticking boxes. Depending on your answer sometimes you get screened out, I'm not telling you to lie but just be consistent with your answers and you should be able to work out how to not get screened. Some emails are only worth 20 points, others 200. It's slow to get to the 2000 but very quick to just answer a few questions.
Apparently beermoneyuk is a good sub to make some pocket change with.
There is also matched betting. I have never done this, I don't have the patience but from what I've read, it's legitimate, it works and you can make a fair amount of cash from it so long as you do it correctly, and there's a ton of guides. I mention this because people stuck at home could get into it and as long as you're careful (I.E not entering in the wrong numbers) it's risk free AND it pisses off the betting shops. It seems people in comments have had success with it. Disclaimer A couple have complained about gambling. This arguably is not gambling. If you are susceptible to addiction do not do it. However, it's argued that there is no fun or buzz in this, and it's a very tedious and time consuming thing. Others argue you can't make the same money anymore (People were making thousands, now only hundreds if that). It's risk free providing you know what you're doing, the risks are user error, such as entering the wrong numbers. Someone pointed out that due to the lockdown, bets could potentially be cancelled due to sport stopping. So use on a side of caution. We're (mainly) adults so I'll leave it up just because this doesn't have the excitement of regular gambling.
Microsoft Rewards This is an easy way to make pocket change doing very little. Most people have a MS account. The rewards program offers you numerous ways to grab points, by playing free to play games, answering small questions (you don't even need to answer most of the time, just open the link and shut it) and by using bing and searching on it. I've gotten 20k points JUST by answering questions over a couple months. There are many rewards but you can grab a £5 gift card for 6k for example, or a month of game pass (and AFAIK you can make points playing the games)
Google rewards Someone mentioned this in the comments. I have not used it, so can not give any input on it. Sounds similar to TalkInsights which I linked. Google states "Complete short surveys while standing in line, or waiting for a subway. Get rewarded with Google Play or PayPal credit for each one you complete. Topics include everything from opinion polls, to hotel reviews, to merchant satisfaction surveys. We’ll notify you when a survey is waiting."

That's it for now. I will try to update as I go along. A long post but I hope that it can help some of you with finding something good to do that's free, cheap or a bargain. I do suggest getting prime, especially since you get free music, free delivery, free TV and music and free video games each month. In fact, there's a ton of perks and I feel I've gotten way over the cost investment.
Hope it helps someone at least
PartTimeCrazy said if you bought an Apple product you get 3 free months of Apple Arcade and Apple TV free for a year
fakehunted is upset I didn't mention wanking. Tesco have 225 sheets of Tissue for £0.75!
tale_lost suggested Project Gutenberg for a collection of free E-Books
Learning Language
Unfortunately, I don't have time to check every link listed so I will link the comments:
Togtogtog Gives a lot of links for Spanish

Duolingo Numerous people have suggested this So I haven't used myself. Thanks to OhHiGCHQ StephanieMecredy & Allorie_95

Board & Tabletop games
Corporal_Anaesthetic has made a list of Board games
ilyemco suggested these
HEALTH
I'm not a doctor! But if you're a smoker, something I strongly suggest is to quit. I struggled for years but in the first lockdown I quit, technically. I haven't had a cigarette since, however, I do that silly thing millennials do. I vape, but, it made quitting extremely easy. I would not have been able to do it if it wasn't for 88Vape They sell extremely cheap liquids at £1 each. You can find these in B&M but you can pick up 25 for £20 or buy your own mix.
Vitamin D deficiency has been said to be a big problem for the virus. I'd suggest (again, not a doctor!) that you pick some up. Tesco do a 3 for 2 deal. So you can pick up 270 tablets for £7.
If you are vulnerable you MIGHT be able to phone tesco and get put on their delivery saver list (currently it's paused but phoning may help. At the very least they might give you a priority slot. I did this for my mum, we didn't shop at Tesco but I phoned for her, and they put her on with no hassle, so she can always get a delivery.
HELP & ADVICE
The lockdown Rules.
Reasons to leave home include:

Work or volunteering where it is "unreasonable" to work from home. This includes work in someone else's home, such as that carried out by social workers, nannies, cleaners and tradespeople
Education, training, childcare and medical appointments and emergencies
Exercise outdoors (limited to once a day). This includes meeting one other person from another household in an open public space to exercise
Shopping for essentials such as food and medicine
Communal religious worship
Meeting your support or childcare bubble. Children can also move between separated parents Activities related to moving house

I want to add, if you are in danger you are also allowed (and must!) to get away from the situation for some reason, BBC seems to have missed this very important thing (or I am blind)

To flee the threat of harm or violence.*
CoronaVirus Symptoms
CoronaVirus government site You can check your location and how many cases here.
Worldometers Shows cases around the world.
Interactive UK Map Another easy to read map with cases in counties and local area's.
World Health Organisation

Support

FOR THOSE SHIELDING YOU CAN CONTACT THE ROYAL VOLUNTARY SERVICE. These people helped my mother with picking up her medicine from the chemist. They were very helpful and went out their way to keep in touch and do it immediately. (It's the only experience I have with them though)
_riotingpacifist wanted these links added, but I simply just don't have the time to vet and check all the suggestions here, so I will link as is:

Update:
Digital Art
These are Free

Krita Arguably the best in my opinion. It has a load of options, brushes and a decent UI. It works fantastic with a tablet.
Gimp This is a decent program but last I used, the UI was a pain, and it isn't so user friendly while misses features, but it works, and it is possible to do some incredible creations on it.
Medibang Paint This is slightly geared towards Comics and Manga. I really enjoy using this with my drawing Tablet. As far as I know, it also for regular tablets for Android/Ipad and is free.

You can pick up a drawing tablet on Amazon quite cheap these days! Small ones that are just a black slate such as the wacom ones are good but takes some practice to get use to, but very worth it if you can't afford a dedicated drawing tablet with a screen.
Office suit software
A couple of free applications for word processing, spreadsheets etc.

LibreOffice This has most the average user would need to write their own books or to work from home. There's not a huge amount of difference between the two I'm linking (since I last used anyway) so it's more for preference.
Open Office You can pick this up here and again, like above it's just preference.

Music Making
I'm going to direct to matthewharris806 for some links as all the programs I've used like Reason are expensive, or cheaper stuff in bundles such as Magix software.
Games development
D_Dad_Default gives some links for that here

Tonight at 8 pm EST: ChocoPro 90 (Season 5 Finale) Aftermath of the Chaos! Apple Queens (Mei Suruga & Emi Sakura) take on the Powerhouse Pair of Ryo Mizunami & Yunamon, Baliyan Akki battles the “Cold Killer” Hagane Shinno, and the Stars of the 4th Generation Clash! (Match Card Write-Up)

Aftermath of the Chaos! Apple Queens against Ryo Mizunami & Yunamon! Following the absolute melee that ended ChocoPro 89, the Eliminator competitors battle in a new combination! Also, Baliyan Akki will try to do what no one else has (Take down Hagane Shinno in ChocoPro), and the 4th Generation collides with Sayuri & Chie taking on Lulupencil & Otoki...the undefeated combo of Otoki Eraser! Tonight at 8 pm EST (Sunday at 1 am GMT, 10 pm JST), Episode 90 is the Grand Finale of Season 5, and the last Episode before the Eliminator!
We passed the second active viewer goal (1000)! Celeberate with us and see Mei, Emi, VENY, & Aniki in action before the AEW World Women's Championship Eliminator Tournament begins! (Veny, and Riho have also appeared here, as well as the Champ herself!)
Change the stage, break out of your comfort zone! This is not your regular wrestling show. You will be able to watch it here, LIVE and free, on the Gatoh Move YouTube channel...which also has the previous 89 episodes! New to ChocoPro? It features a roster of skilled veterans, rising stars, and wonderful guests. Subscribe for more content than just the live matches! (AEW Watch Alongs, Discussions, Interviews, Food Challenges, etc) Here is today's example gif: Mizunami unleashed!
By the way, if you ever wanted a taste of the variety & chaos ChocoPro provides but can't handle the lack of a ring, 85 was a wonderful example of the general feeling! (While providing the comfort of an in ring experience) You do get used to the Chocolate Square though, quicker than you'd think...
4 th Generation Battle: Proof of Growth!
Chie Koishikawa & Sayuri vs Lulupencil & Tokiko “Otoki” Kirihara
Hellooooooo! Chie managed to appear in the previous episode as the announcer for the intermission, but her sudden outburst during the chaos at the end led to Lulu being left on the floor! Too Much Energy indeed! The cheery Fencer, known for her backhanded fencing chops and her rapid pace, has bitten off a bit more than she can chew! She might be great at announcing, wrestling, and cooking, but angering the Pencil Army is never a good idea. She will be joined by the returning Kunoichi of ChocoPro, Sayuri! This ninja will pull off skills that defy logic and reason, between running across the wall and disappearing before your very eyes. The speed on display with this team will be awe inspiring. Will we see a fencing & shuriken chop combo?
Otoki Eraser reforms once more! This team is like an eclipse, reversing the reality of ChocoPro. How so? The underdog of Ichigaya, Lulupencil, is undefeated with this combination! While the General of the Pencil Army might be one of the most popular characters in the promotion, her struggle is just as well known. Lulu is a hard working, big hearted...weakling. She isn't as strong or as fast as the others and must make up for these faults with tactics (and occasionally deathmatch implements!) With the Supermodel Six-Pack on her side though, her faults are protected! Otoki, the Super Rookie, is considered to be the most powerful member of the 4th Generation. An ageless master of kicks and throws, she even gives the upper echelons a hard time! Don't get her mad! Her deadly technique (and obsession) COMANECI, will probably make an appearance!
Ace against Assassin! Rematch of the century!
Baliyan Akki vs Hagane Shinno
After a great showing in the previous episode (and apparently making a few new fans!) the Ace of ChocoPro, Akki, will be attempting the impossible: Beating Hagane Shinno! The two fought before on the Emi Sakura 25th Anniversary Show, with Akki unable to stop the Cold Killer's machine-like brutality. He has grown much since then, even getting a win over his hated rival Chris Brookes! But has he grown enough to take down the emotionless Striker? Akki is a future star for sure, and this milestone could be another stepping stone to that dream. Lets hope he can overcome this powerful foe, who treats his opponents like a cat playing with its prey...This is sure to be fantastic match, expect a lot of gifs! Watch out for those low kicks, Ace!
Clash of the Challengers II! The Final Preview!
Apple Queens (Mei Suruga & Emi Sakura) vs Ryu Mizunami & Yunamon
Mei & Emi on the same side! The Apple Queens are usually at one anothers throats, but after the wild ending of ChocoPro 89, they find themselves aligned once again. The Master of ChocoPro, Emi Sakura has been getting faster and stronger as prep for the upcoming Eliminator, gaining access to many of her previous abilities as she does. I think she surprised a fair few AEW fans in that last match! Mei won't allow herself to be shown up, however, even with her controversial win over Emi last episode! (She didn't tap, Shida!) The Apple Girl is a prodigy the likes of which the wrestling world has never seen. Having debuted 21 days after starting training, this Genius manages to pull of real spectacles in the ring (and the square!). These two will need to be fully synchronized once again to take on this combo! Can they can put their differences aside?
What a powerhouse pair! After facing one another in a gloriously hard hitting bout, Mizunami & Yunamon will be working together to take on one of the promotion's strongest teams. How will Tough Charisma and Tropical Passion combine? Aniki is able to deliver machine gun chops, vicious Lariats, and one of the best leg drops in the business. Yuna is able to sing, dance, and take your head off with a spinning back kick! Her lariats aren't anything to scoff at, either. These two together is a dream come true for fans of heavy attacks. Will we see a double lariat? Will this be the loudest battle in ChocoPro history? Will the Apple Queens survive these two?
How will Season 5 of ChocoPro end?
Come and see the wild excitement of the creativity that produced Two of the Three AEW Women's Champions! (Both of which have appeared on ChocoPro!) You'll be wondering if you're seeing future champs, as well. The Frontier of Pro Wrestling! Match after match of hard hitting, chaotic, fun bouts with a welcoming online audience. The fan base also has an active Discord server now!
We're slowly growing, and you're welcome to come along! ChocoPro has featured stars such as Hikaru Shida, Chris Brookes, Minoru Suzuki, Hikaru Sato, Masato Tanaka, Minoru Fujita, Kaori Yoneyama, Makoto, TAMURA, Tsubasa Kuragaki, Toru Owashi, Hanako Nakamori, Riho, and Yuu! Join us for the fun!
If you have any questions, feel free to ask me on here or on Twitter, where I'm overwhelmed by all the wrestling! Also, for a better take on the events check out this chaotic preview by Last Word on Pro Wrestling!
Here are some Frequently Asked Questions:
“What is this?” ChocoPro is an free online promotion run by AEW's Emi Sakura, that takes place in the legendary Ichigaya Chocolate Square! It features a breakneck pace of live Episode releases, fan interaction, season long story arcs, and much more! A place where the turnbuckles are replaced with 14th floor windows, unforgiving walls provide creative avenues for skills otherwise unthinkable, and you can take solace in knowing that the referees usually do nothing. While it might be a shocking change at first, the intensity and storytelling will leave you wanting more.
“Why are they fighting in ____?” Short answer is that it is a cost effective, unique venue with a better availability schedule and allows the roster access for training. Emi Sakura has been using this place for a long time, and you might be surprised at some of the names that have used it (even outside of ChocoPro!). There are a few in-ring Episodes, and Gatoh Move has in ring shows with crowds on the YouTube channel. Thanks Xalazi for the inspiration here!
“How can I support them?” Watch the show! Even if you can't see it live, the views matter! Like & Subscribe! You can buy single episode Sponsorships, Digital autographed photos, and more on their shop site as well as purchase shirts from PWTees (which features some great options!) If you'd like to donate or purchase a main wall sponsorship, you can via Paypal or Patreon.
“Why are you posting this here? / Are you paid for this?” This is a wrestling forum, and I'm trying to broaden the horizons of others! There is a lot of good wrestling out there...Plus growing the fan base means more people for me to joke around with! I honestly do believe this is what a lot of fans are looking for, even if it is too different for some! But different tastes are good. Variety is the spice of life. This is a labor of love (it really doesn't take that long) considering how much work they do, to put on so many shows for free. ChocoPro is brilliant chaos!

I am 25 years old, made $87,000 last year and expect to make $104,000 this year, live in Minneapolis, and work as a Data Analyst / Data Scientist.

Note: I’m not a citizen, but I’ve been living in the US long enough to be considered a resident alien for tax purposes. On my visa, I cannot work any job that’s not directly related to my major in grad school (IT/computer science), but I can invest in the stock market.

Section One: Assets and Debt

Net Worth: from -$13,603.63 (Jan 2020) to $9,605.97 (Jan 2021)
Retirement Balance: $16,000 in my 401(K).
I only started working 2 years ago and my company messed up my registration so they basically didn’t put any money into it my first year there (I found out in horror and they gave me around $1,000 to say sorry…). I contribute 9% and my company matches 3%.
Savings account balance: $2,500
I have $2,500 set aside as my “emergency fund”, and I’m building back my vacation & study abroad budgets after having to tap into them for a move. My job is very stable and I won't be let go any time soon (unless I quit myself) so I’m not setting aside a big emergency fund for now.
Checking account balance: $3,111.01
Investment account: $1,500 in some stocks.
I initially dumped half of my 2019 bonus and some monthly contributions (totaling around $4,000) to this account to test strategies. This was my “study fund” and I didn’t care if I’d lose it all. I grew the account to around $10,000 and withdrew almost everything (that went to all the fees I had to pay to break my lease, my brother’s lease, deposit, moving expenses, and new furniture) and left $1,500 worth of stocks in there right now.
Credit card debt: $2,243.76 on my BestBuy card and PayPal Credit.
I had the money to pay for the items in full but they offered X months interest-free and I wanted to throw money into my debts instead. I always pay off all balances well before the deadline. I also pay all my credit cards in full and have never paid any interest.
Student loan debt: $11,046.09 left on my $20,000 loans at 8% for my BA in Biology and Statistics. Day 1 of arriving in the US, they sat us down, handed each of us a pen, and said hey kids here are the terms of your 8% loans, sign the documents now! I just turned 17, didn't even know I had to pay this money back, and remembered thinking "Is 8% a lot?" That's how clueless I was.
As a non-citizen, I will never have them canceled, so my plan was to tackle this as soon as possible and I started paying more aggressively until they made it 0% interest since Q4 last year.
Car loan: $4,900 left on my $10,000 loan at 8.9%. I didn’t have a long credit history when I bought the car (September 2019) since I only got my first credit card after graduation, so the rate was terrible. I’m planning to pay this all off after my bonus comes in March.

Section Two: Income

Income Progression:
2012 - 2016: I had multiple student on-campus jobs all throughout my undergrad, making from $7.25 to $10/hour. After graduation, I couldn't find any job directly related to my majors within 3 months (I had only been searching for Bio lab work), ran out of money, and had to go back home. Honestly, I didn't want to keep doing science either and was very lost back then.
2017: My first full-time job was being a tutor for a private college prep institution when I went back to my home country to “figure out what I wanted to do with my life.” They paid pretty well for the standards of living there ($1,000/mo). I worked that job while self-studying how to code and data science courses on the side and preparing my grad school applications.
2019: I got a job at my current company a semester before I graduated from my MS in Data Science program. This was my first “big girl job.” I started out at $64,000 and couldn’t work for 2 months due to complications in my visa processes so that ate up all my savings that year. By the end of the year, they bumped my salary up to $76,000 and we also had an annual 3% raise, so in total $78,280 + 5% bonus.
2020: One of my teammates left and one thing led to another, I got a title change from Data Analyst to Data Scientist towards the end of the year. I asked for a raise and they bumped it to $96,000 + 5% bonus.
2021: After our annual 3% raise my salary is now $98,880 (+ at least 5% bonus). I think I’m slightly underpaid, but this job is very low-stress and flexible (especially after we WFH).
Main Job Monthly Take Home: $5,082.58
Taken from my last paychecks (before the annual raise)
Gross salary: $8,000
Tax: $2,081.68
401(k) deduction: $720
Health insurance: $115.74

Section Three: Expenses

Rent & renter’s insurance: $935 for my share for a 2bed/3bath condo. My parents pay a flat $700/mo for my brother’s share. He recently moved here since his school went virtual until at least the end of this semester and our family wanted us to be nearby to take care of each other.
Savings contribution: $900
Investment contribution: $420, but will increase once my car loan is paid off.
Debt payments:

$1,000 on car loan until paid off.
$200.13 minimum on student loans for now at 0% interest, will increase to $1,100 when car loan is paid off.
$300 for Best Buy & PayPal Credit promotional deals

Car insurance: $127.01 ($762.05 paid in full every 6 months)
Car registration: $25 ($300 annual)
Donations: $20 monthly (ASPCA), plus several hundreds throughout the year (last year I donated to BLM orgs and local animal shelters)
Gas: $0. I drive an electric car. Charging probably drives up my electric bill by a bit, but still cheaper than gas. Also, this means no car maintenance at all until my car battery dies, which probably won’t happen in the next 5 years.
Utilities (electric, natural gas): ~$150
Wifi: $40
Cellphone: $10.61 ($108.66 for 6 months and I got a $45 credit from my bank)
Groceries: $500 (for 2 people)
Subscriptions: $20 (HP Ink, shared Netflix account, YNAB, Disney+)
Pet expenses: ~$20 for wet cat food
Personal care/hobby: I collect perfumes. Between makeup, skincare, clothes (which I had planned to stop buying this year) and perfume bottles and samples (the majority of my "personal care" expenses...), I averaged $400/mo last year. Without the makeup, skincare and clothes, I budget $150/mo this year for my fragrance hobby.
Household supplies: $30
Education: $30 (language/technical textbooks, Udemy/Coursera)
Gifts: $30
Credit card fee: $21 ($250 annual)

Section Four: Background

Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Education is one of the top priorities in our household and this has been instilled in my mind since I was a kid. Perhaps because my grandparents were both professors and my parents both attended grad school, it was expected of us to have at least a bachelor's degree. With that said, my family tried to support our higher education financially as best they could and I'm very thankful for it. During undergrad, I had need-based financial aid and on-campus jobs, and my parents helped with the rest of my tuition. I still had to take (required by the school) a $20,000 loan. My grandmother helped pay for my 2-year master's program.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
During high school, I had a measly weekly allowance and my dad had me write out all the transactions in a notebook. I thought it was very silly back then but now thinking back, it was probably some good practice. Other than that, they didn't talk about money at all, and I was absolutely clueless and wasn't interested in personal finance until a couple of years ago. I don't remember how but I think I woke up one day and decided to read every book about personal finance I could find and now I do talk with my dad about finances.
What was your first job and why did you get it?
My first job was washing dishes as a student worker! We all had to do it our freshman year before we were allowed to find other jobs. I managed to find 3 other jobs (stage crew, sports event worker, and math tutor) and stayed with all of them for 3 years.
Did you worry about money growing up?
Even though our parents never let on to us about their finances, they made sure that we'd grow up comfortable financially, so I didn't worry because I didn't know anything.
Do you worry about money now?
Yes. As I grew up, I came to learn more about my parents' financial situation and realized that they've sacrificed a lot for us. I had the majority of my college tuition supported by the school, but my brother doesn't, and tuition in the US isn't cheap, especially when you convert it to our local currency. I also never know for how long I can stay in the US and keep making the same kind of money I'm making now so I'm trying my best to pay down the student loans ASAP.
At what age did you become financially responsible for yourself and do you have a financial safety net?
I became fully financially responsible for myself when I started working at my current company. Before that my student worker jobs paid for my personal expenses in college but my parents still chipped in for tuition. I guess my family back home is my safety net but personally, I wouldn't ask them for help even if bad things happen to me in the future.
Do you or have you ever received passive or inherited income? If yes, please explain.
Nope.

Diary

Day 1 (Thursday) - $3.35

Alexa wakes me up and turns the light on. I change into my work clothes and head downstairs to my “office.” My boss starts our daily standup call, talking about what we did yesterday and what we plan for the day.
I have my annual review meeting. Everything goes well and my bosses are very pleased with what I’ve done, especially after I transitioned into my new title as a Data Scientist, which honestly brought me more fulfillment in my job as well. We talk about our annual bonus and raise, which I already expected. It’s not a lot of money but hey any money is money and I’m not saying no.
Some people bought my photocards so I gather all the orders and purchase a shipping label since 1 order is with tracked shipping. (Don’t ask me how this works but I’m a K-pop fan and we collect expensive cardboards. Depending on the popularity of the member of the group, profit margins can go up to 400%.) I head to the post office and drop off all the packages ($3.35)
I’ve been waiting for the mailman all day and he finally comes! I’ve been working from home for almost a year now and my back pain is starting to kill me so I decided to “invest” in a $400 chair with lumbar and neck support. My cat happily takes the other chair and starts claiming her territory on it.

Day 2 (Friday) - $206.24

I wake up on cue at Alexa’s daily briefing. Half an hour passes while I ponder on a perfume sample set I saw in someone’s fragrance collection on Reddit.
I eventually give in and purchase the Zoologist sample set ($120.24). It’s within my budget this month, I’ve been eyeing this one for some time now and I can resell it for 80% value once I’m done testing them, so it’s not a huge loss anyway.
Late lunch today. I make a quick lunch with sausages and keto toasts and quickly finish it while watching some YouTube videos on personal finance and updates on $GME (no I did not buy any shares).
When in doubt, throw every leftover food in your fridge in a pan and make fried rice. Side dish is sweet and sour tomato and egg “cloud soup.” Then we have our weekly family video call with my parents back in my home country.
I go down the YouTube rabbit hole again and buy 2 more perfume sample sets ($86.00). All the purchases today (~50 samples) would probably take me months to try out so I promise myself no more until next quarter as I click the pay button.

Day 3 (Saturday) - $71.27

I wake up at 8:45 am and laze around for half an hour, scrolling down Twitter and answering my friend’s questions on how to enter the stock market. Today is my cheat day (I have one every 2-3 weeks), so I contemplate if I should order delivery for lunch. I check YNAB and decide that it’s too expensive, so I go downstairs to make myself a hearty breakfast with a latte, half a croissant, grilled chicken breasts, and snack on some shrimp crackers and tangerines.
I purchase a shipping label ($3.22) and head out to the post office. For some reason I want to smell like a lemon cake today, so I spritz on Xerjoff Lira, put on sunscreen, and head out. This perfume always makes me feel so warm and delicious.
I spend the whole afternoon catching up with my Chinese and Korean lessons for the week.
Suddenly craving some instant noodles, so I immediately get up and head to a local Asian grocery store to shop for instant and pho noodles (I’m planning to make pho for Lunar New Year) and some snacks for my brother ($38.71). We drop by a bubble tea shop nearby and get bubble tea and 2 dessert cakes ($19.71). I usually don’t drink sugary drinks, but since it’s my cheat day, I put in an order and pay for the both of us.
Some more PC orders came in and they’re all with tracked shipping. The post office is closed tomorrow but I’ll just pay now for the shipping labels so that I won’t forget ($9.63).

Day 4 (Sunday) - $0.00

I literally do nothing today until 4 pm.
I make dinner, then finish my Chinese lesson and review the flashcards I made yesterday. That’s enough activity for the day.
One of my friends calls to show me her album haul of the day and I'm tempted, but (fortunately?) there's no kpop store in my city so I make myself forget about buying any more albums.

Day 5 (Monday) - $40.10

I wake up with a headache, not feeling too well, so I request a day off and message my boss. I can’t go back to sleep, so I just lie there in bed for a couple of hours. I suddenly remember that WandaVision is on air, and there are a couple of movies on there I haven’t watched yet, so I subscribe to Disney+ ($7.52) and start binge-watching.
We ran out of soft drinks for my brother, so I have to drive to Costco again after lunch ($32.58). I also need to drop off all the orders that came in over the weekend.
I go to my old apartment for my move-out inspection (I haven't been living there since December but still had to honor the 2-month notice and pay for all the rent). There are a couple of spots that might cost me some deductions in my deposit. Sigh. At least I get to tell them to remove the charges on my lease for February, and they assure me that they will.
I finish binge-watching some movies on Disney+. I see Colourpop is advertising some Valentine’s Day palettes on my feed. I do not need those, I do not need those, I do not need those. I should’ve just unfollowed makeup brands on social media. Some more late-night scrolling, and then I finally go to sleep.

Day 6 (Tuesday) - $8.02

I wake up groggily, still feeling a bit sick. We have a late standup today, so I take my time making my coffee and start working, as my cat also settles in on my lap and starts napping. My head is still aching and I'm not sure if it's the cold or just keto flu so I load up on electrolytes, fish oil, and acetaminophen just in case.
Somebody lowballed me on one of my postings. Ugh I hate it when they do this, but this one is not selling too well, so I meet them halfway. I purchase another shipping label ($3.03).
Today is our bi-monthly deployment date, which means all the engineers (and anyone who has committed changes in our codebase) meet up and sit around until all the merges are deployed into production. I had some changes last week so I just sit there and do my own work until it's my turn. My boss told me this morning he had some test API from one of our new clients so I go to check out some of the data there. Oh how I love me some messy, messy data that nobody knows what to do with.
The repair guy who came to fix our washing machine doesn't leave until 5:15 pm so I drop by the post office late, but just in time as they're collecting the mail! Then I drop by a nearby (rather upscale) grocery store as I'm running out of heavy cream, but everything is so expensive. I compare price per oz and pick up the coffee creamer instead ($4.99).
I heat up the cauliflower rice and leftover curry and eat dinner as I watch Coco (I can't believe I've never actually watched it!) Then I review my Chinese flashcards for a bit, do half an hour of Just Dance until I sweat, play with my cat, and call it a day.

Day 7 (Wednesday) - $3.49

I stayed up quite late yesterday playing a mobile game and finally wake up after snoozing the alarm for the 84th time. My boss starts our standup at our usual time; there's nothing urgent or pressing today so I just take my time. I take a quick nap in the afternoon and go back to work.
I use the last drops of avocado oil to fry up some bulgogi for dinner. Need to go back to Costco for more avocado oil tomorrow, I guess.
After dinner, a friend asks me about perfume samples that she wants to try. I go online to search for them but no dice since they belong to a new collection that only got launched in Europe. I take this time to try out some similar smelling samples in my collection as well.
I review my Chinese flashcards and do some workbook exercises. After an hour, my brain is fried on Chinese but I don't want to go to bed yet, so I pick up a book on my bookcase that I was reading a while ago (A Random Walk Down Wall Street) and read one more chapter.
An order came in so I purchase another shipping label ($3.49), update my budgeting app for a bit, and then head to bed.

Summary

Category	Amount	Note
Food & Drink	$95.99	Groceries
Fun / Entertainment	$7.52	Disney+ subscription
Home & Health	$0.00
Clothes & Beauty	$206.24	Perfume samples
Other*	$22.72	Shipping labels
Total	$309.75	shipping labels not included

*I don’t count the shipping labels as expenses because they’re already factored into the profits I made from my sales, but I included them anyway because they're still charges on my accounts. Any profit goes back to funding my album purchases so... I guess it's a vicious cycle.
Overall, a pretty normal week for me in terms of food. I don’t eat out often (I allow myself only one meal and one dessert every month) and have used up my 1 dessert allowance this week so I probably won't have any more this month. I might’ve gone overboard with the perfume purchases this week, but tbh perfumes bring me joy. My mood is lifted and I'm transported to old and new places every time I put on a perfume that I enjoy, so for me, it’s worth it. I try to be frugal whenever I can, but I'll never skimp on education and hobbies that make me happy. Writing this week-long diary, I realize I need to get back to working out, though. I'll probably have to stop procrastinating and pull out my RingFit gears still inside the moving boxes. Playing Just Dance also makes me miss dancing so bad as I used to be active in several dance crews since college (but stopped after I started working full time). I'll try to stick to Just Dance for now to get my cardio until Covid is over and I can get back to in-person dance classes.

Lockdown, things to do, help & advice.

Disclaimer I am posting this here because I got a message from the mods asking me to. I'm not from London so links aren't London centric (but hopefully still of help) and the main post is here so any updates will likely be there (I will try here but it's hard to keep up with the amount of suggestions)
Thanks.
Yes, it's hard, it sucks, it's depressing. It is something we all have to do if you want to see this virus go. Everyone knows the deal, too many think they're the exception but no one is. However, staying home is hard so maybe I can help at least one or two people with some incentives. I'll try to give links to some things that can help cure the boredom, and some support if you need it.
Most of this might be obvious to some, some might not even have internet and of course, money is a big issue, so I'll try to give some suggestions:
For streaming and on demand things such as Netflix et al, don't forget you can subscribe for free for your first month. This goes for most things in the list. If you are worried about putting in your payment details and forgetting to cancel a month later, don't worry! You can sign up and immediately cancel and you still get your free month!
For people who don't have a smart TV, you can buy a cheap Amazon Fire TV stick or a Roku box. The Fire stick can go as low as £20 often for 1080p. It will drop to £30 for 4k.
I picked up a 4k Roku device for £18 on Amazon once. It's fast and snappy. currently it's going for £33 for the 4k version. Having both, there is little difference between the devices. NowTV also do their own roku powered device.
Subscription based streaming sites that all offer 2-4 weeks free for first timers

Netflix *According to comments the second month is free.
Amazon Prime You can either get Amazon video on its own, or take prime with other benefits. I strongly urge those who use Amazon for buying off their store front to use [https://smile.amazon.co.uk/] as there is literally no difference except everything you buy amazon donates to a charity of your choice.
Now TV (I believe it's 7 days)
Disney+
Britbox
Amazon channels. I believe you can get all these individually but Amazon offers them as channels bound to your prime account, and they are again either free for a couple weeks (again, take them, cancel instantly) or very cheap. I recently subscribed to Starzplay for £1 for 3 months. It has some good shows on it like Fringe, doom patrol. It also has channels like Curiosity stream and shudder

Steam This one is so obvious I didn't add it, but apparently many want me to. It is the best out there, and you can find almost everything, with fantastic deals.
Greenmangaming offers games cheaply. Again, not a grey market site (which are legal but unethical) and they sometimes do bundles.
GoG (Good old games) is a DRM free site run by CDPR, the makers of the Witcher 3 and Cyberpunk. They offer you games quite cheap and not needing DRM (such as Steam, Uplay etc which is less invasive versions of dodgy DRM from the olden days).
Epic Games Despite the controversy whether you care about their rivalry with valve, they offer free games ever week. Without ever having bought anything I have gained over 170 games. literally. Good games for the most part. They often give you £10 coupons as well.
Twitch Everyone knows twitch, but if you don't, it's a streaming service for watching gamers and girls with low cut tops accidentally bending over in front of the game. However, if you're signed up to prime, you get free games each month (and randomly between the set bunch).
Playstation Store Currently has January sales. Currently the free games for PS+ are for PS4: Shadow of the Tomb Raider and Greedfall. For the Ps5 it is Maneater
Games with Gold Bleed 2 and the King of Fighters XIII is available until Janurary 15th whilst little Nightmares is available until January 31st.

Gaming Subscriptions
Like the TV versions, you can sign up to these for a free trial (or very cheap). If you do sign up to only one at a time, it should keep you busy for a few months

Xbox Game Pass You can do this on both/either an Xbox or PC. If you sign up to the regular one, you can get a month (maybe three!) for £1. After you have done that, you can sign up to the premium version for 3 months at £1 a month. Most people know game pass, but you can download a large selection of games for free. The premium version gives you games with gold, allowing you to keep the games forever (but can only play with a subscription)
Ubisoft+ I'm not 100% sure if you get a trial or not. This allows a large collection of Ubisoft titles to play for £12.99 a month. Quite expensive but good if you like Ubisoft titles I guess.
EA Play EA's version. Goes by a ton of names I think, EA Access, EA Play, Origin Access etc etc. There's a couple of versions of this, and it is across all platforms (PS4/5, Xbox, PC) but not sure about the switch. I "think" the premium allows you to play on all platforms, while the cheaper one on a single platform, but I may be mistaken.
PS Now a once terrible service that is now actually very good. Allows you to download some Ps4 games to your PS4/5 and lets you stream a massive amount of Ps2/3/4 to your PC or playstation.

There's more like nvidia's service but you need the Shield device which is quite expensive. I'll leave it at that.
Audiobooks & Ebooks

Audible Not sure what the current deal is but if you are a prime member you can sign up for a trial and get a free Audiobook each month for 3 months. Some warhammer books are 48 hours long, 3 of those gives you a good 100+ hours of listening!
Comixology Another Amazon company, but lets you download some free comics I believe.
Marvel Unlimited No experience with this. ItFuckingWont wanted me to add it. A subscription service for Marvel.

Education

Sign Language BSL here No experience myself, suggested by n21brown and asked for a few times. Didn't know SL was so popular! Listed as "Pay what you can"
BBC's Bitesize here is apparently good for home learning. Again, no personal experience.

If you have prime you can get a FREE FIVE POUND GIFT CARD by literally just streaming a song from Amazon music (which is included in prime) here is the details According to the comments it's only for select people, but it's worth trying If the link doesn't work for you just google "Amazon £5 coupon music"
Now, these sorts of sites have been around for years, I haven't used any other than talkInsights which I must have signed up to 10-15 years ago. Basically they send you surveys and you answer them. They are confidential and don't ask for personal details in the survey. You need 2000 points and you get £20. During the pandemic they've slowed down but I probably get around £40 a year. Not much I know, but it's an email followed by a quick survey ticking boxes. Depending on your answer sometimes you get screened out, I'm not telling you to lie but just be consistent with your answers and you should be able to work out how to not get screened. Some emails are only worth 20 points, others 200. It's slow to get to the 2000 but very quick to just answer a few questions.
Apparently beermoneyuk is a good sub to make some pocket change with.
There is also matched betting. I have never done this, I don't have the patience but from what I've read, it's legitimate, it works and you can make a fair amount of cash from it so long as you do it correctly, and there's a ton of guides. I mention this because people stuck at home could get into it and as long as you're careful (I.E not entering in the wrong numbers) it's risk free AND it pisses off the betting shops. It seems people in comments have had success with it. Disclaimer A couple have complained about gambling. This arguably is not gambling. If you are susceptible to addiction do not do it. However, it's argued that there is no fun or buzz in this, and it's a very tedious and time consuming thing. Others argue you can't make the same money anymore (People were making thousands, now only hundreds if that). It's risk free providing you know what you're doing, the risks are user error, such as entering the wrong numbers. Someone pointed out that due to the lockdown, bets could potentially be cancelled due to sport stopping. So use on a side of caution. We're (mainly) adults so I'll leave it up just because this doesn't have the excitement of regular gambling.
Microsoft Rewards This is an easy way to make pocket change doing very little. Most people have a MS account. The rewards program offers you numerous ways to grab points, by playing free to play games, answering small questions (you don't even need to answer most of the time, just open the link and shut it) and by using bing and searching on it. I've gotten 20k points JUST by answering questions over a couple months. There are many rewards but you can grab a £5 gift card for 6k for example, or a month of game pass (and AFAIK you can make points playing the games)
Google rewards Someone mentioned this in the comments. I have not used it, so can not give any input on it. Sounds similar to TalkInsights which I linked. Google states "Complete short surveys while standing in line, or waiting for a subway. Get rewarded with Google Play or PayPal credit for each one you complete. Topics include everything from opinion polls, to hotel reviews, to merchant satisfaction surveys. We’ll notify you when a survey is waiting."

Duolingo Numerous people have suggested this So I haven't used myself. Thanks to OhHiGCHQ StephanieMecredy & Allorie_95

Work or volunteering where it is "unreasonable" to work from home. This includes work in someone else's home, such as that carried out by social workers, nannies, cleaners and tradespeople
Education, training, childcare and medical appointments and emergencies
Exercise outdoors (limited to once a day). This includes meeting one other person from another household in an open public space to exercise
Shopping for essentials such as food and medicine
Communal religious worship
Meeting your support or childcare bubble. Children can also move between separated parents Activities related to moving house

I want to add, if you are in danger you are also allowed (and must!) to get away from the situation for some reason, BBC seems to have missed this very important thing (or I am blind)

To flee the threat of harm or violence.*
CoronaVirus Symptoms
CoronaVirus government site You can check your location and how many cases here.
Worldometers Shows cases around the world.
Interactive UK Map Another easy to read map with cases in counties and local area's.
World Health Organisation

Support

FOR THOSE SHIELDING YOU CAN CONTACT THE ROYAL VOLUNTARY SERVICE. These people helped my mother with picking up her medicine from the chemist. They were very helpful and went out their way to keep in touch and do it immediately. (It's the only experience I have with them though)
_riotingpacifist wanted this links added, but I simply just don't have the time to vet and check all the suggestions here, so I will link as is:

Update:
Digital Art
These are Free

Krita Arguably the best in my opinion. It has a load of options, brushes and a decent UI. It works fantastic with a tablet.
Gimp This is a decent program but last I used, the UI was a pain, and it isn't so user friendly while misses features, but it works, and it is possible to do some incredible creations on it.
Medibang Paint This is slightly geared towards Comics and Manga. I really enjoy using this with my drawing Tablet. As far as I know, it also for regular tablets for Android/Ipad and is free.

LibreOffice This has most the average user would need to write their own books or to work from home. There's not a huge amount of difference between the two I'm linking (since I last used anyway) so it's more for preference.
Open Office You can pick this up here and again, like above it's just preference.

Pros and cons of investing in 5 upcoming tech IPOs from Airbnb to Roblox

December and January aren't typically busy months for initial public stock offerings, but this time around, they'll be an exception. Almost a half dozen well-known tech startups, each already valued privately at over $1 billion, have recently filed for IPOs, including Airbnb, DoorDash, and Roblox.
They're hoping to take advantage of strong investor appetite for tech stocks, despite the pandemic, and to catch the coat tails of other tech companies that have recently made successful debuts. Shares in cloud database company Snowflake are up 129% since its September IPO and those of data mining company Palantir are up 215% since its September listing.
Here are key details to consider in weighing whether to invest in the latest batch of would-be public tech companies. Financial data is from the first nine months of 2020 unless otherwise indicated.

Affirm

Symbol: AFRM Fiscal 2020 revenue: $510 million (fiscal year ended June 30) Revenue growth: 93% Gross margin: n/a Net loss: $113 million
Affirm’s S-1 filing
Founded in 2012 by PayPal co-founder Max Levchin, Affirm aims to bring credit and lending to customers of all kinds of online retailers. Those hard-to-miss layaway offers for a pair of shoes from Cole Haan or that cute coffee table on West Elm’s website? Affirm works behind the scenes to process the loans and often covers the cost of the item (in some cases, partner banks fund the loans). So far, Affirm has signed up over 6,500 retailer and helped consumers pay for almost $11 billion worth of products over the past three years.
Pros: Affirm says its “buy now, pay later” system is superior to credit cards, with no hidden fees or high interest rates (most Affirm offers are zero interest rate). Like other hot consumer companies, Affirm also touts its net promoter score of 78, suggesting more than three-quarters of customers would recommend the company. As e-commerce grows, there’s plenty of room for growth in the market—less than 1% of e-commerce transactions in North America relied on “buy now pay later” deals. And Affirm says its data analysis of consumers’ ability to pay lets it avoid major losses.
Cons: The largest e-commerce sites, like Amazon and Walmart, have no need for Affirm and could even launch their own lending services. So could big banks or other financial institutions that can borrow money more cheaply than Affirm can. And more than one-quarter of all of Affirm’s lending has so far come from customers of a single retail partner: Peloton.

Airbnb

Symbol: ABNB First nine months of 2020 revenue: $2.52 billion Revenue growth: -32% Gross margin: 74% Net loss: $697 million
Airbnb’s S-1 filing
As the now-famous story goes, Airbnb co-founders Brian Chesky and Joe Gebbia decided to rent some airbeds in their San Francisco apartment after a big design conference caused local hotels to be fully booked. Their little web site, AirBedandBreakfast.com, eventually grew into the titan that has rented space to 825 million customers cumulatively across 220 countries.
Pros: The fast-growing startup took a huge hit when COVID-19 curbed travel, but has since almost bounced back. Bookings were down 72% in April compared to the same month in 2019, but for June through September, the declined narrowed to 19% to 23%. The company also brags in its regulatory filing that pandemic-related spending cuts, including slashing headcount by 25%, make it more efficient going forward.
Cons: The pandemic showed that the travel industry is subject to sharp downturns that cut into Airbnb’s sales, and infections are on the rise again worldwide. The company has also battled restrictive rules in many cities and countries seeking to ban short-term rentals. Airbnb's filing disclosed it’s also in a battle with the Internal Revenue Service that could cost it $1.4 billion if it loses. And even after being in business for more than a decade, Airbnb is still on pace to lose around $1 billion this year.

DoorDash

Symbol: DASH First nine months of 2020 revenue: $1.92 billion Revenue growth: 226% Gross margin: 53% Net loss: $149 million
DoorDash S-1 filing
After moving to the U.S. as a child, DoorDash co-founder and CEO Tony Xu worked as a dishwasher in a Chinese restaurant to help make ends meet. The point of DoorDash, he says, is to help strivers and small businesses thrive. Now in business for seven years, DoorDash “dashers” deliver food and other items from almost 400,000 businesses to 18 million consumers per month as of September.
Pros: DoorDash is the leading provider of delivery with over twice the market share of runner up Uber Eats as of October 2020. The pandemic has ignited much faster growth in food delivery as people avoid going out to eat. Some smaller players have already sold out (DoorDash bought Square’s Caviar service for $410 million last year), but further consolidation could let DoorDash charge more for its services.
Cons: Once the pandemic passes, many DoorDash customers may return to eating in restaurants. Although California voters approved a measure to continue to classify gig workers like DoorDash’s dashers as independent contractors, other governments still are trying to classify gig workers as employees, which could wreck DoorDash’s business model.

Roblox

Symbol: RBLX First nine months of 2020 revenue: $589 million Revenue growth: 68% Gross margin: 74% Net loss: $206 million
Roblox S-1 filing
Much more than a video game, Roblox has become a virtual environment for millions of people and companies to create their own games. Co-founders David Baszucki and Erik Cassel went from making software simulations for physics labs to creating Roblox in 2004. Now some 31 million people play daily, including three-quarters of all U.S. kids age 9 to 12, the company says (Research firm Dubit put the figure at half of kids 9 to 12 this summer).
Pros: Roblox has plenty of reasons for developers to stick around, including its large devoted customer base and the Lua scripting language that makes it easier to make new games. About two-thirds of current users are from the U.S. and Canada, so there is room for considerable overseas expansion.
Cons: The pandemic super-charged Roblox growth rate, but kids may decide to put their screens down and play more outside after the crisis ends. Many users play on devices running Apple or Google software, putting Roblox somewhat at the mercy of the twin tech titans’ app policies. Other games have been banned and the app stores decide how much of each sale they are entitled to. A joint venture with Tencent to bring Roblox to China could be impacted by increasing trade tensions or new restrictions. And gaming and social media platforms come and go depending on the latest fads. Roblox could be the MySpace of gaming.

Wish (ContextLogic)

Symbol: WISH First nine months of 2020 revenue: $1.75 billion Revenue growth: 32% Gross margin: 65% Net loss: $176 million
Wish S-1 filing
Overshadowed by better known rivals like Amazon, Alibaba, and eBay, Wish focuses its e-commerce services on the “affordable” segment of consumers. Founded in 2010, Wish now helps more then 500,000 online sellers hawk goods to 100 million monthly active shoppers. Parent company ContextLogic has its name on the IPO registration filing.
Pros: Shopping online isn’t just for the wealthy. Wish says it's targeting the 44% of U.S. consumers and 85% of Europeans who have household incomes of $75,000 or less, plus shoppers in developing countries. Wish’s platform is mobile first, and 90% of purchases happen via its mobile app. Although Wish doesn't make a profit, it generated free cash flow (or cash from operating activities minus purchases of property and equipment) of $23 million in the first nine months of 2020.
Cons: Wish faces off against many larger rivals, such as Amazon, Alibaba and eBay, plus Shopify and Walmart. To compete against the giants, Wish spends vast sums, over $1 billion so far in 2020, on marketing. With deep connections in China, U.S.-based Wish could be hurt by worsening trade tensions. And as with other startups dependent on mobile apps, Google and Apple could undermine Wish’s business with new rules or requirements.
Source

$$ Craigslist Studies $$

[FINDS] BIG Winter Basics Haul from TB for the Cozy but Chic ~Aesthetic~ (Reps and Non-Reps, LOTS of great quality for both) Part 1/2

I went a little overboard.

I'm a long time lurker and have been buying reps for a while now after discovering this subreddit. I feel so grateful for everything I've learned here and I'm excited to give back a little bit with this haul review.
The haul is mostly Taobao items with some clothing tags from Weidian thrown in, all purchased through the Wegobuy agent. This review is on the first of two shipments that I ordered for this single haul and I will post another review of the second haul when I receive it. I realized I ended up spending close to $1400 on clothes in this haul because I convinced myself I'd be saving so much buying them from TB. It can be such a slippery slope once you learn the reverse-image search feature. After this first haul though, I regret nothing.
The vibe of these hauls is ~classy, cozy and casual~ at least that was my goal since I don't have many winter clothes after a recent closet purge. I included mod shots for all the sweaters, shirts, pants and shoes. My ratings incorporate the objective quality of the item as well as my personal satisfaction from them.
So with that introduction out of the way let's get to the good stuff!
Cost of Items: ￥2598.00 or about $402
(Purchased through topping off Wegobuy balance with Paypal)
Shipping: The package weighed 10.98 kg (packaging removed) and shipping it to the USA via GD-EMS cost ￥1545.00, I paid about $260 USD.
Timeline: I ordered the shipping of my parcel on

12/15/2020-12/26/2020: Wegobuy warehouse ordered and received all items (ordered throughout the month).
01/05/2021: I submitted my order to ship the parcel, shipped next day.
01/12/2021: Package arrived at my door.

It only took 7 days for it to get my package which is so crazy to me compared to how long it takes me to get some items from a TS.
My Sizing: I am 5'6" and weigh about 130 lbs. I wear sizes small or medium for tops and sizes 4 or 6 for pants.
In addition to the purchase price I will approximate how much each item was with international shipping included for some of the heavier items. I don't have their exact weights anymore since they aren't in my warehouse but I ballparked these costs before I shipped them so I will do my best. I mention the weight of certain pieces so for reference a lighter sweater weighs about 200-300 grams and a heavy/thicker sweater weighs 400-600 grams which I just figured out from looking at sweater weights on Amazon.
I organized the items by clothing category and listed the reps first within each category. After rating them all, I also sorted it from highest to lowest rating within the categories and rep vs. non-rep distinctions.
Sweaters

[Unbranded] Zara Sweater -- [WTC] [My Photos]
- Rating: 9/10
- Price: ￥75.00 -- About $12 without shipping and $23 including shipping
- Size/Color: Medium, Camel
- Review: This is a nice thick sweater that is a little heavier. I like that it's a bit oversized but fits the arms in a more fitted way. It's soft and not too itchy, I definitely could wear it without an undershirt. It weighs about 400-500 grams. It's a ZARA rep but isn't branded. I love the camel color which is a little more rich in the brown tones than beige tones shown in the Taobao photos. The quality of it way surpasses the price of it. I'm really satisfied with this sweater.
[Branded] Ganni Wool Cardigan Sweater -- [WTC] [My Photos] Note: at the time of posting it is currently out of stock
- Rating: 8.5/10
- Price: ￥268.00 -- About $41 without shipping and $50 including shipping
- Size/Color: 38, one color
- Review: This is a very soft, light cardigan that is smooth to the touch and feels like acrylic. It weighs about 350 grams. It's thick but feels lightweight. The fabric is slightly itchy so I would wear shirt under this (I got some long sleeve undershirts in this haul as I was expecting the sweaters to be a little itchier due to the wool/acrylic/cashmere materials I was looking for. I really like the fit of it. The buttons are pretty and the color is a wonderful basic gray. It's well-constructed except for some stitching of the label overlapping with the left side of the G in GANNI.
[Unbranded] Mohair Alpaca Sweater (Acne Studios Dupe) -- [WTC] [My Photos]
- Rating: 10/10
- Price: ￥255.00 -- About $40 without shipping and $50 including shipping
- Size/Color: Large, Coffee
- Review: Again, I can't vouch for this actually being mohair but WOW. The texture and overall feel of this fabric is unlike anything I've ever owned. Adjectives to describe it: incredibly silky, super soft, thick, warm, luxurious. It feels very high end and I think it could almost pass as the Acne Studios sweater it is inspired from. However, unfortunately, it is very itchy. I will definitely need to wear an undershirt with this but it feels so good when feeling the outside I feel like I'll reach for it all the time to give myself an extra boost of luxury. It weighs somewhere between 500-600 grams.
[Unbranded] Oversized Acrylic Crewneck Sweater -- [WTC][My Photos]
- Rating: 10/10
- Price: ￥99.00 -- About $15 without shipping and $26 including shipping
- Size/Color: One size, white
- Review: Woah! I was so surprised by how oversized this was but as shown in the mod shots I think styling it makes it super chic. You could probably size down. The material is so high quality and heavy. I love the smooth feel of it, not itchy at all. The color is very pretty and the sleeves are fashionably wide. I am a huge fan of this sweater and it was worth every penny. It weighs about 500-600 grams.
[Unbranded] Oversized Crewneck Sweater -- [WTC] [My Photos]
- Rating: 9/10
- Price: ￥65.00 -- About $10 without shipping and $21 including shipping
- Size/Color: One size, Khaki
- Review: This is a nice heavy sweater. Super smooth and not itchy at all. It's very comfortable and the fit of it is so relaxed. The neckline is pretty thick and the color is somewhere between a brown and a pink. I could lounge around in this all day or dress it up with pants and heels. It weighs a little more than 500 grams. This sweater is very worth the cost.
[Unbranded] Cashmere Sweater -- [WTC] [My Photos]
- Rating: 8.5/10
- Price: ￥168.00 -- About $25 without shipping and $35 including shipping
- Size/Color: Large, Round neck beige
- Review: I think this is at least mostly cashmere as it's incredibly warm yet on the thinner side of all the sweaters. Weighed about 350 grams. It's a very basic cut and color for everyday wear. The fabric is very soft and squishy. I was expecting it to be more itchy because cheaper cashmere usually is but it's not bad at all. I wish the arms were a little longer but I like that at this length I can wear a watch or bracelet and it can be visible. I am satisfied with this sweater but not obsessed with it.
[Unbranded] Cable Knit Cardigan Sweater -- [WTC] [My Photos]
- Rating: 6.8/10
- Price: ￥43.00 -- About $6.70 without shipping and $17 including shipping
- Size/Color: One size, off-white
- Review: I've been wanting a cable knit cardigan for a while so this perfectly satisfies that wish but it isn't anything special otherwise. The sleeves are kind of short but I could just have long arms. The fabric feels pretty standard like any cable-knit anything would feel. It's a loose knit cardigan so unless it's not too cold outside it isn't practical to wear by itself especially since the material isn't super warm either. It isn't super comfortable when wearing it by itself either so a shirt under would help that too. Weighs about 400 grams.
[Unbranded] Slightly Cropped Balloon Sleeve Sweater -- [WTC] [My Photos]
- Rating: 6/10
- Price: ￥95.00 -- About $15 without shipping and $26 including shipping
- Size/Color: One size, black
- Review: I am a bit disappointed by this sweater considering it was slightly more expensive than the others. It isn't as soft, smooth or weighty than the others. As far as I can tell it isn't as warm either. It looks like lower quality and feels like it. I will wear an undershirt because it's a bit itchy. The only thing I really like about it is the cropped and balloon sleeve style of it. I will wear it with certain outfits but it isn't a favorite in this haul. It weighs about 400 grams.

Shirts

[Unbranded] Boat Neck Long Sleeve Shirt-- [WTC] [My Photos]
- Rating: 10/10
- Price: ￥15.80 -- About $2.45 without shipping and $7 including shipping
- Size/Color: Large, off-white
- Review: This is personally the perfect undershirt for me. It is soft, thin and stretchy. The neckline is low enough to accommodate any sweater neckline. I ordered a bunch more off of Taobao to keep them in rotation with my sweaters to make them last longer.
[Unbranded] V-Neck Long Sleeve Shirt-- [WTC] [My Photos]
- Rating: 10/10
- Price: ￥30.00 -- About $4.60 without shipping and $9 including shipping
- Size/Color: One size, oatmeal
- Review: I bought this as an undershirt but it is smooth, comfortable and thick enough to wear on its own. I think the neckline and fit is very flattering. The fabric feels like nice quality as well so I'm very satisfied with this shirt.
[Unbranded] High Neck Velvet Long Sleeve Shirt-- [WTC] [My Photos]
- Rating: 8.5/10
- Price: ￥58.00 -- About $9 without shipping and $14 including shipping
- Size/Color: XL, Pure White
- Review: This really does feel like velvet on the inside. It is so soft and smooth and the neck isn't so tight that it suffocates you. It's nice quality and thick enough to keep you warm. I don't wear tight shirts these days so it makes me feel a little self-conscious but I think it looks nice tucked in. I don't like how it looks on me as much as I thought I'd like it though.
[Unbranded] Tight Mock Neck Long Sleeve Shirt-- [WTC] [My Photos]
- Rating: 8.5/10
- Price: ￥48.00 -- About $7.50 without shipping and $13 including shipping
- Size/Color: XL, black
- Review: The material of this shirt is objectively really nice quality. It's smooth, elastic and conforms to the body well. I am not used to turtleneck shirts so the neck feels a little restrictive to me but I hope I can get used to it or loosen it a little bit because the shirt really looks chic and would look amazing under a long coat and pants.

Pants

[Branded] Mother Jeans -- [WTC] [My Photos]
- Rating/personal satisfaction: 8/10
- Price: ￥236.00 -- About $37 without shipping and $45 including shipping
- Size/Color: 27, black
- Review: They are fully branded and the fabric feels very durable, stretchy and soft. They are a little more flared at the bottom than I thought they'd be and don't rise as high on my waist as I wanted them to but I still find them comfortable. I'd like to try on an authentic pair to compare because these feel nice and comfy but I don't have the actual jeans to compare it to. I think if this style is what you expect/prefer then these are a perfect pair of jeans. Personally the fit of them didn't fully satisfy me but I think it's growing on me. The sizing is great though, as far as I can tell the black color is true to size.
[Branded] Lululemon Align Pants (25-inch) -- [WTC] [My Photos]
- Rating: 7.8/10
- Price: ￥138.00 -- About $21 without shipping and $26 including shipping
- Size/Color: XS/4, Tooling Blue
- Review: I compared these to authentic align pants I have and found the waist size to be exactly the same. The logo is slightly off but I don't think it's super noticeable. The logo is also slightly smaller and more reflective in the rep, but again when not comparing it side by side on my bed with auth it wouldn't be noticeable. The rep feels more like elastic sportswear while the auth feels softer, like there's more cotton in it. I don't think this is noticeable on the body but the rep is more compressive so functionally it would be better for the gym and auth is better for loungewear. I'm pleased by the rep and will wear it around the house but I don't know if I feel confident enough in the logo to wear it out (maybe that's being too paranoid).
[Unbranded] High Waisted Draping Wide Black Pants -- [WTC] [My Photos]
- Rating: 10/10
- Price: ￥99.00 -- About $15 without shipping and $25 including shipping
- Size/Color: Large, Thick winter model (Height 165-167)
- Review: I love these pants! The fabric is excellent quality and has a nice weight to it (while still feeling light). I could definitely still wear these when the weather warms up because the fabric isn't overbearingly warm. These drape down my waist so elegantly and I cannot wait to wear these out with a nice sweater or tank top in the summer. The pair I got are long so having a heel is preferable. The waist is also ever so slightly too big to fit as high up on my waist as it could but it's close enough.
[Unbranded] High Waisted Woolen Wide Pants -- [WTC] [My Photos]
- Rating: 7.5/10
- Price: ￥55.00 -- About $9 without shipping and $18 including shipping
- Size/Color: Large, Beige 158-170cm
- Review: The fabric on these are definitely on the thicker and stiffer side. They are also wider and more bulky than I was expecting. I think it's still a nice warm and casual pair of pants and I am fond of the color. They feel very soft on the outside and VERY soft on the inside. I would wear these out and as loungewear with equal comfortability.

Coats

[Unbranded] Long Black Wool Coat -- [WTC] [My Photos]
- Rating: 9/10
- Price: ￥138.00 -- About $21 without shipping and $61 including shipping
- Size/Color: Large, Black with padded cotton thickening
- Review: This coat is nice and heavy, about 1700 grams. It drapes nicely and feels way more expensive than $21. It's soft on the outside and fully lined on the inside. It's not oversized enough to wear thick layers under while retaining movement freedom but I think it's pretty warm on its own. The silhouette is flattering especially when tied to cinch the waist. I really like this coat and it's amazing at this price.

Shoes

[Unbranded] Dupe of Acne Jensen Chelsea Boot -- [WTC] [My Photos]
- Rating: 10/10
- Price: ￥89.00 -- About $14 without shipping and $35 including shipping
- Size/Color: 41, Black with velvet
- Review: I did not expect these boots to look as beautiful and luxurious as they turned out to be in person. The shoe is super smooth and shiny. I think this is an excellent dupe of the Acne Jensen boot and an excellent shoe on its own. I think I got maybe half a size smaller than I'd prefer in this shoe (I usually wear size 9.5-10) but as I've been wearing them the last couple of days they're expanding a bit and feeling more comfortable. For reference these shoes are a bit more than 1000 grams so they are a nice lightweight shoe (but not so light that they feel cheap).

Jewelry

[Branded] Daniel Wellington Bracelet -- [WTC] [My Photos]
- Rating: 9/10
- Price: ￥19.00 -- $3.00
- Size/Color: Small Rose Gold
- Review: The bracelet is very lightweight but the metal feels very sturdy and the quality doesn't feel cheap. The color is a very pretty rose gold, prettier than the photos. The engraving looks identical to [auth] photos online. My only regret is not getting it in the large size because it's a bit too small for my wrist and my wrists aren't very big to begin with. Overall satisfied with this because it can open up a bit with some effort.
[Branded] Marc Jacobs Enamel Earrings -- [WTC] [My Photos]
- Rating: 9/10
- Price: ￥33.00 -- $5.00
- Size/Color: Gold and black
- Review: These earrings feel very nice. They're lightweight, smooth and look identical to [auth]. It comes with the little Marc Jacobs earring packaging too. I'm very happy with these minimal earrings to go with the matching enamel necklace I got a while back.
[Unbranded] Gold Snake Bone Necklace -- [WTC] [My Photos]
- Rating: 8/10
- Price: ￥49.00 -- $7.60
- Size/Color: One size/color
- Review: The gold color is very pretty. I thought it would be heavier and "slinkier" but after playing around with it and trying it on I think it's definitely heavy enough to drape nicely below my neck and I quite like it. My only concern now is the chain and clasp attached to it feel like they may be delicate/flimsy so I'll be careful not to accidentally rip it off.
[Unbranded] Pearl and Stick Earrings -- [WTC] [My Photos]
- Rating: 5/10
- Price: ￥29.00 -- $4.50
- Size/Color: Main picture
- Review: These earrings look very nice but feel cheaper. They're very light and the design is interesting so these make for a nice earring that I will wear for a while but I don't think they'll hold up that long. The gold color is pretty but the "pearls" are a bit dull for me.

Bags

[Branded] Lululemon Duffel Bag -- [WTC] [My Photos]
- Rating: 9/10
- Price: ￥199 -- About $31 without shipping and $40 including shipping
- Size/Color: Big
- Review: I'm pretty sure this is fantasy because I saw this exact bag with a Nike logo on it from a random company and can't find it anywhere on the website or Poshmark. Nevertheless I think it's super functional because of how many pockets there are to organize your things. There are multiple straps included as well. I don't know how durable it is but I think I will be careful not to load too much into it. I like this bag to replace my little Adidas duffle bag.

Miscellaneous

[Unbranded] Seamless Bras -- [WTC] [My Photos]
- Rating: 9.5/10
- Price: ￥88 -- $13.60
- Size/Color: Medium, skin tone
- Review: I've been wearing these since they came in and I simply love how they feel. It's truly seamless and lightweight it feels like I'm wearing nothing but the padding is more than sufficient to actually do a bra's job. The stretchy fabric is also so soft. Overall these are such comfortable bras. For reference I'm a 34-36C and medium fits well but perhaps a little snug. I could've gone one size up for a looser fit but this fit is great for keeping everything together in my daily activities.
[Branded] Chanel Mirror Duo -- [Link Dead] [My Photos]
- Rating: 8/10
- Price: ￥22.8 -- $3.50
- Size/Color: One size/color
- Review: This mirror is so smooth and silky if you can use that word to describe a mirror. It's not as heavy as I assume [auth] is but it's not obviously light either. The closing mechanism feels amazing and the mirrors themselves are without flaw. It came with a soft carrying bag. Overall a nice little mirror to keep in my bag.
[Branded] Calvin Klein Thongs -- [WTC] [My Photos]
- Rating: 7.5/10
- Price: ￥36 -- $5.60
- Size/Color: Large, Gray
- Review: I think this is a pretty standard quality cotton thong. The logo cuts off around the waistband but that doesn't matter much to me. Some of the threading is loose/weird. Even so I'm pretty satisfied because these are just underwear and I will wear these confidently alone in my room watching Netflix all day.
[Unbranded] Mulberry Silk Twilly -- [WTC] [My Photos]
- Rating: 7.5/10
- Price: ￥39.00 -- $6.00
- Size/Color: blue
- Review: This twilly is so pretty! The color and design go so well together. The tag says 100% silk, I can't vouch for that but the fabric feels nice albeit thin. It's very light, more so than I was hoping for but I think it'll look beautiful on my bags regardless. I do wish the fabric was a little thicker.
[Unbranded] Warm Headband -- [WTC]
- Rating: 6/10
- Price: ￥49.00 -- $7.60
- Size/Color: One size/color
- Review: This is on the thinner side but still keeps my ears warm. It doesn't feel as soft and fluffy as another headband I have that's mostly wool and acrylic but I think it's still smooth enough against the skin to be very comfortable. It's a little snug on my head so if you have a larger head diameter this would probably be uncomfortable.

The following tags are not rate because they are all just standard clothing tags. None of them look bad or out of place at all so I would rate them collectively a 10.

[Branded] Dolce & Gabbana Clothing Tag -- [WTC] [My Photos]
- Price: ￥0.6 -- $0.23
- Size/Color: dg home
[Branded] Emporio Armani Clothing Tag -- [WTC] [My Photos]
- Price: ￥1.7 -- $0.26
- Size/Color: A home
[Branded] Free People Clothing Tag -- [WTC] [My Photos]
- Price: ￥1 -- $0.15
- Size/Color: M号码标
[Branded] Acne Clothing Tag and Bag -- [WTC] [My Photos]
- Price: ￥8 and 6 -- About $1 each
- Size/Color: ACNE transparent bag & ACNE set
[Branded] Reformation Clothing Tag -- [WTC] [My Photos]
- Price: ￥9 -- $1.00
- Size/Color: Reformation 1 set
[Branded] Club Monaco Clothing Tag -- [WTC] [My Photos]
- Price: ￥1.5 -- $0.23
- Size/Color: 白色挂折领标
[Branded] Theory Clothing Tag -- [WTC] [My Photos]
- Price: ￥1.5 -- $0.23
- Size/Color: Theory
[Branded] Topshop Clothing Tag -- [WTC] [My Photos]
- Price: ￥1.5 -- $0.23
- Size/Color: 吊牌+吊粒 and 领标UK6
[Branded] Sandro Clothing Tag -- [WTC] [My Photos]
- Price: ￥1.5 -- $0.23
- Size/Color: 已选：5号吊牌两张+绳子 and 2号领标

That is the entirety of the first part of this haul. Overall I am very satisfied with it because most of the pieces I received went above and beyond my expectations. I am glad to know that shopping Taobao with enough time and research can truly pay off. Truthfully I spent a lot of time and money on this particular haul but I'm glad it turned out the way it did because I don't feel a need to update or expand my wardrobe much further. This will especially be true once the second part of this haul comes around. Shopping Taobao and using Wegobuy was a super easy process and I'm really happy with how the agents handled any returns or exchanges I needed.
I hope others find something useful in this experiment or at least some nice clothes to add to the TB cart! I am looking forward to (hopefully) saving a little money the next couple of months now that I definitely should not buy any more clothes. I wish everyone good luck in their TB hauls and beyond. ♡

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