Risk aversion Puns

It is always interesting to read the gut reactions after a bitter performance. Boca Out this.. Cubo sucks that… Barco needs to be sold etc… Each point has some merit and some fallacy. I have personally been basically accused of being a front office “boot licker” on more than one occasion. It is a constant reminder that I need to not post retorts when I am still buzzing from the match and others might be as well. It is simply not productive conversation.

Much as been written and said about “The Roster” and how it compares to previous iterations with Atlanta United (which is not really how it should be viewed vs against MLS rosters as a whole)… I think we are all on board (at the very least) with the statement “mistakes have been made”. Let’s ignore this portion of the mess for the time being because there is not an easy and quick fix (i.e. firing Boca, dumping the Barco investment or any other number of things that are more punitive vs rehabbing the roster).

I want to talk about how we can be better going forward… with the players that we have (or soon will have). Yesterday in the last 20 mins while we were set up in a 3-5-2 we looked a far more exciting side and I think we need to explore using that formation going forward (but also something else added to the mix, more below) now that we don’t have Emerson Hyndman in the middle to help us maintain possession. Playing all 3 CBs with Sosa in front of them with less cover responsibility for him seemed to propel us into attack quicker will strengthening the middle.

Things you may have noticed were moments where George Bello attempted to beat people off the dribble (he did it VERY well yesterday) and to a lesser extent Moreno, Mulraney and Barco. If we are not going to possess the ball long enough to get a defense out of their shape and create 2 v 1s or 3 v 2s in space (which is what Gabby’s system is trying to do) then we need to force the issue with risk… whether it is beating a man or trying a line splitting pass. It seems like we still have this great fear of being dispossessed leaving the back susceptible to the counter. It is time to take the chains off of guys and tell them that being aggressive is equally as important as retaining the ball.

Josef is going to come back in the next match… and while he is only 1 man… his presence is absolutely felt by defenses and it is going to create space for Lennon, Bello, Moreno, Barco etc on the wings…HOWEVER we need to stop being content with lobbing in 35

I’m a super risk averse person, so much so that the thought of hurting myself is a everyday terrifying thought. I’ve always tried to do things that were necessary and avoid things that could be risky to my health. I’ve never broken a bone, only spraining my ankles (multiple times though, which sucked enough). I’m getting over my fear of driving (in my late 20’s) a d even then, I still have my head on a swivel even in the passenger’s seat. It’s odd because I have a healthy relationship with death and dying, but injury is somehow so much more terrifying to me.

All that being said, skating has been the only truly “risky” thing I’ve done. And I love it. I love the feeling of gliding and how I feel whipping around in a forward to back transition. But I’m worried that my risk aversion is severely holding me back.

I recently went to a roll out with a local group for the first time, and there were people who had only been skating a few months doing crazy skills, where I’ve been skating for only a year and can only do my bubbles, forward skating, forward to back transition, and some slight backwards skating (I tend to panic before I get too far though). Anything else, like manuals and spins, I’ve been in the beginning stages of for a while, mainly out of fear of losing complete control of myself in the movement. It sucks because part of my reason for going to the roll out was to help me reach out to others who have more experience that I could learn from, but now I feel too intimidated to try.

I want to keep getting better but my anxiety is getting in the way and it’s so frustrating. If anyone else has been able to overcome this, please send me some tips that helped you. Getting out of my head is really hard for me, but I don’t want this anxiety to keep holding me back anymore.

Hey guys,

I just wanted to bring this up, because it’s a conversation I’ve personally had with a lot of friends and family.

Just because DOGE has had a massive run up this year, does not mean it is too late to start HODLing. This is a form of gamblers fallacy: assuming that the previous performance of doge somehow dictates future results. Trust me, I have made this mistake several times in the past with DOGE (thinking there is no way it could possibly go any higher), and the reality of the situation is that the only thing that dictates future of DOGE are the things we do RIGHT NOW (I’ll go more into detail about that later).

IT GOES WITHOUT SAYING there is an inherent risk with investing in crypto in its current environment (it’s still relatively new and getting its footing in the market), but their are investing techniques that I have found useful, that have allowed me to invest in doge while minimizing personal financial risk.

• CUTTING UNNECESSARY PURCHASES FROM YOUR BUDGE AND USING THAT MONEY TO INSTEAD BUY DOGE.

This technique of investing has been extremely beneficial for me because it gave me motivation to quit nicotine, and stop buying energy drinks everyday before work. By using that money to instead invest in crypto, not only do my weekly expenditures stay the same, I am also acquiring assets that will more than likely appreciate.

• FINDING NEW REVENUE STREAMS TO FUND ADDITIONAL INVESTING.

This doesn’t mean you should get a second job. There are a lot of small things you can do earn a little extra money to buy more Doge. One of my favorite thing to recommend to people is Google Opinion Rewards (Available on both the android and apple App Store). This app will give you a 1-5 surveys a day that never have more than 4 questions. The reward ranges from $0.15- $1.20 per survey, and the more you do, the more money you get per survey. They literally take around 15 seconds to complete, my rewards are automatically sent to my PayPal. Amazon also had a program called MTurk, where you can perform a variety of tasks for companies outsourcing work or conducting marketing research, and if you’re consistent, you can make around 10-15 an hour. There are unlimited ways to generate multiple small revenue streams if you are creative enough and willing to do them. I know in my college town, there’s a place where people can sell plasma for a decent amount of cash every week. I’m personally scared of needles but this might be a great option for some.

I’m seeing a lot of comments complaining about how risk averse the M9 are especially when compared to VM. Yes, it’s a bit frustrating at times, but a few notes:

That aversion is largely the result of RP. VM was upheld as heroes by the entire kingdom. They were super confident relative to the M9, and they had more readily available allies (often in the form of guests) to use in the big fights (They had one or more third parties involved in EVERY Chroma Conclave fight).

VM was absolutely broken. Their vestiges were unbelievably OP, and the M9 doesn’t have anything like that really (yes, the Starrazor is a vestige, it’s not nearly as powerful as many they had in C1).

The M9 has decent reason to be risk averse. Think about the Iron Shepherds and the death of Mollymauk. Think about the Laughing Hand (twice). Think about Ukotoa’s people showing up and killing both Fjord and Orly in a single combat. The Gelidon/TT fights were incredibly close to a TPK. Jester came very near dying in the Vokodo fight and that is far from the first time a character has been near death in this group. They’ve had to run away and lick their wounds far more than VM did. This campaign is more difficult.

Finally, the M9 is less of a stereotypical adventuring party than VM. VM’s story was far more classic good vs. evil. The M9 is more involved in politics and subtle conflicts, more willing to bide their time and see what’s going to happen. Avoiding combat isn’t just out of fear. Sometimes it’s out of the hope for a better outcome.

So yeah, I’d like for them to be willing to take more risks. But even for level 13/14 characters I can’t blame them for being so careful. Gung-ho hasn’t worked for them in the past.

Edit: Jesus christ this post really triggered some people didn’t it 🙄🙄

Edit 2: I’m not gonna bother replying to any further responses here when most of them are the same complaints and critiques. If you want my answers, see my replies. Some of y’all seem to have missed the part where I stated they were too risk averse. I’m just explaining why many of these complaints are lacking or misrepresenting context.

It's a new day for us, and it's time to shake things up. The bike boom that started in 2020 is going to be huge this year. The lanes are already teeming with people and you should be a part of it. There are a lot of misconceptions about micromobility (bikes, ebikes, scooters, etc) among people that have never ridden in a city and can not see themselves doing it, but I assure you that even if you have never thought you could possibly "become a biker" you absolutely can do it, and do it safely. With recent advances in technology you can even do it without any work or sweat involved whatsoever, if you want.

IS IT SAFE?

YES! Absolutely yes. There are an estimated 900,000 riders here in NYC, racking up millions and millions of miles traveled a year. While injuries are not 0, of course, that is not true of any other mode of transportation. TONS of people are injuries or killed in car crashes for instance and nobody bats an eye getting behind the wheel or in a taxi. Even walking is not completely "risk free." By contrast micromobility in the city is extremely safe. Here in NYC we have the largest network of bike lanes in the country, and while they're not perfect, you can often pick routes that have very little interaction with cars outside of crossing intersections, which you already do all the time safely as a pedestrian.

IS IT SCARY?

Look around at the people using citibike. You'll see people of all ages and ability types. Nobody looks scared. While it's easy to assume biking or riding a scooter in NYC would be utterly terrifying, when you actually try it you'll probably find the opposite. It's very similar to being a pedestrian, just a heck of a lot faster.

WHY SHOULD I BOTHER?

Micromobility is hands down the fastest way of getting around. It's much faster than traveling by car or uber, since you do not have to wait in traffic or bother with parking. It's faster than the subway or bus and does not require transfers or walking to stations or standing in crowds. It's also incredibly fun and lets you actually see the city as you ride through. It's great for the planet and reduces congestion and pollution. It's also extremely cheap, saving you tons of money compared to any of the other modes.

HOW DO I START?

There are 3 main types of micromobility at the moment and a few less popular methods. The big 3 all have pros and cons, but one will definitely work for you. Let's go over them

1. Standard Bike

Pros: Great exercise. Most

For example it seems that Sugarbush is very willing to leave stuff open when sketchy and partially covered. Which I appreciate. Stowe on the other hand, today has lots of terrain roped off that still is totally doable. In the heat it would be skiable too so it's not as though it's rock hard.

Thoughts and comments? Any patrol on here?

It has long been proven that lump sum investment provides better expected return than dollar cost averaging investment, both mathematically and empirically. Brennan, Li & Torous (2005) suggested that DCA might provide better expected utility empirically.

A risk aversion investor would prefer a 5% return with 100% certainty than a 5% return with a standard deviation of 10%. If you are indifferent between "4.5% return with 100% certainty" and "5% return with a standard deviation of 10%", then 4.5% is your certainty equivalent (CE) for "5% average return with a standard deviation of 10%."

Assuming power utility function, they calculated the CE for investors with relative risk aversion (RRA) from 2 to 7. Using the CRSP database from 1926~2003, they concluded that DCA provided better CE than LS for those with RRA of 3 or greater. For those with RRA of 2, the result is mixed.

Depending on investor's RRA, DCA might provide better utility than LS.

Reference:

Michael J. Brennan, Feifei Li, Walter N. Torous, Dollar Cost Averaging, Review of Finance, Volume 9, Issue 4, 2005, Pages 509–535, https://doi.org/10.1007/s10679-005-4999-x

Edit: typo

Hello everyone!

I'm currently writing a paper in which i wanted to look at risk aversion in different countries. It's obviously a very hard thing to measure so I wanted to ask if someone might have an idea for an independent variable that could be used to measure risk aversion. I'm using the World Values Survey for my other analysis therefore it might be interesting if a question there could give information on risk aversion.

Thank you for your ideas!

As a risk-mitigation strategy, I am looking at rebalancing profits from some of my best growth plays towards some stable companies that have attractive P/E ratios and/or are outside of US markets. I saw Berkshire Hathaway picked up a bunch of big Japanese firms:

https://www.berkshirehathaway.com/news/aug3020.pdf

And they still look pretty attractive from the perspective of non-US value companies. I'm thinking of rebalancing to companies like these and ETFs that focus on countries with good overall P/E ratios (like Korea, Singapore, EWY, EWS), away from some of the high P/E "boomer" stocks I hold (like AAPL, GOOG, BABA, BIDU) which might really suffer in a bubble-pop, and also take profit from more speculative growth plays that have done well. Anyone have any other ideas about solid value companies that might weather a bubble pop? I don't like the strategy of being in cash because who knows when a bubble would actually pop and I don't trust myself to time the entries/exits. I'm looking at PCAR + REGN which both look like good value and are ARK holdings. I also like ING, TOT, and BP as they have been undervalued and the latter two are the oil companies talking the most about transition to post-fossil fuel economy.

A bit about my situation in case it's relevant: I have a retirement plan through my employer which allows me to play with my investing account for fun, so I tend to be a bit more risky with it than I would be otherwise, but I'm pretty risk averse by nature. My portfolio is currently mixed between boomer tech stocks for "safer" growth/value (AAPL, GOOG, BABA, BIDU, TOT, BP, ING, and a few others ~40%) and green-tech/SPACs for more risky growth (STPK, GOEV, IPOE, PDAC, HOL, WLLW, and a few others, ~40%), as well as a few ETFs (ARKG, ARKF, ARKQ, ICLN and SPY, ~20%). I avoid options -- tried once, got burned. Some of the SPAC stocks are still slightly in the red from when I bought them, and I'm on the fence about whether it's worth holding for a continued increase.

Looking for solidarity or advice. My partner is much more risk averse with our 14 month old than I am. I try to give her space to explore and take risks within reason as long as there is no immediate danger. My partner is quick to run to get her to constantly say “be careful” when she’s just walking.

We have an agreement that if the safety of her is in question, we side with the one being kept cautious. But I worry she is going to grow up scared of everything (my in laws are like this and I think that’s where he gets it from)

I do not want her to grow up scared of everything and I want her to have the freedom to take risks and learn from there. I’m not sure how to get my partner on the same page.

Thoughts?

I've got small positions in a few different companies, and I don't know how many times I've intended on increasing them only to find the dreaded investor anxiety and risk aversion feelings cropping up. How do you guys manage these feelings? How do you mitigate them? How do you beat them?

Maybe you can help me by answering this question: What do you guys consider dip prices for each stock?

It's a new day for us, and it's time to shake things up. The bike boom that started in 2020 is going to be huge this year. The lanes are already teeming with people and you should be a part of it. There are a lot of misconceptions about micromobility (bikes, ebikes, scooters, etc) among people that have never ridden in a city and can not see themselves doing it, but I assure you that even if you have never thought you could possibly "become a biker" you absolutely can do it, and do it safely. With recent advances in technology you can even do it without any work or sweat involved whatsoever, if you want.

IS IT SAFE?

YES! Absolutely yes. There are an estimated 900,000 riders here in NYC, racking up millions and millions of miles traveled a year. While injuries are not 0, of course, that is not true of any other mode of transportation. TONS of people are injuries or killed in car crashes for instance and nobody bats an eye getting behind the wheel or in a taxi. Even walking is not completely "risk free." By contrast micromobility in the city is extremely safe. Here in NYC we have the largest network of bike lanes in the country, and while they're not perfect, you can often pick routes that have very little interaction with cars outside of crossing intersections, which you already do all the time safely as a pedestrian.

IS IT SCARY?

Look around at the people using citibike. You'll see people of all ages and ability types. Nobody looks scared. While it's easy to assume biking or riding a scooter in NYC would be utterly terrifying, when you actually try it you'll probably find the opposite. It's very similar to being a pedestrian, just a heck of a lot faster.

WHY SHOULD I BOTHER?

Micromobility is hands down the fastest way of getting around. It's much faster than traveling by car or uber, since you do not have to wait in traffic or bother with parking. It's faster than the subway or bus and does not require transfers or walking to stations or standing in crowds. It's also incredibly fun and lets you actually see the city as you ride through. It's great for the planet and reduces congestion and pollution. It's also extremely cheap, saving you tons of money compared to any of the other modes.

HOW DO I START?

There are 3 main types of micromobility at the moment and a few less popular methods. The big 3 all have pros and cons, but one will definitely work for you. Let's go over them

**1. Standard B