Kind of an awkward title, but I'm talking about settings for your phone, your OS, your coffee maker, etc.

With all the tech in our lives, and with so many devices and software having quite a robust set of options for how they work, it's easy for us to not even know that something is available. How many cool things are we missing out on if we're just accepting the defaults?

So, what's a setting, on anything you have or use regularly, that you recommend to others?

What makes it so worthwhile?

A "one hit wonder" is a musical artist or band known primarily for one breakout song. While some one-hit wonders stay that way because they put out very little music, others have had surprisingly full careers. (Did you know that Los del Río of "Macarena" fame have put out more than TWENTY albums over the course of SIX DECADES?)

Who is a one-hit wonder that you feel deserves to be known for more than just their "one hit?" What makes their other music worth exploring?

A little background:
I’m an Irish man who lived in Scotland for a long time and developed a penchant for good Scottish whisky.

I’ve since moved back to Ireland and am on a quest to find good Irish whiskey.

I’ve been looking for double distilled, single pot (or single malt) and have found a couple of nice ones, though this is somewhat counter to the Irish market which favours triple distilled and has (imo) a narrower taste profile, especially when compared to scotch.

Currently drinking: Shortcross rye and barley

Its really pleasant and quite different to the traditional Jameson/bush. There’s a bit of depth to it, some spice from the rye and a lovely classic malty finish.

Any other whisky enjoyers out there ?

One question you can ask yourself before you invest in a company: why do I think the value will increase and provide a good return on my investment?

One reason is because the company is poised to grow at a rate above the overall market. These are called growth stocks.

Another reason is because the company is valued lower than it should be right now based upon a fundamental analysis of its fair market value. These are called value stocks.

Growth

With a growth stock, the current price may already be high due to strong demand, because people think the stock will be worth much more in the future. That is the risk you are taking, because if the stock does not outperform the overall market, you are now behind.

Having a good knowledge of the market in which a growth stock company operates is very helpful. There may be market disruptions (AI anyone?) that lead to outsized expected growth. Look at Nvidia’s 5 year chart. Tell me when everybody figured out Nvidia’s chips were amazing for AI processing.

Or Amazon during the pandemic. Look at this chart and tell me when everybody figured out that if you can’t go to the store to buy things, you are going to need to order it online.

These companies were sitting in a market that, for whatever reason, had amazing growth potential. The companies were able to use their core strengths to jump ahead of the overall economy in terms of value creation speed.

Value

As mentioned, value stocks are those that, after lots of research into the company and market itself, you think the price of the stock should be higher than it is right now. And you expect that stock price to rise as everybody else realizes all the amazing things you already realized.

The stock could have been beaten down by some newsworthy event, which caused everybody to panic sell. These stocks are trading nowhere near their high marks. However, if you think the stock will get back up to that high water mark, you may have found a good value stock.

Now, determining which stocks that have suddenly dropped in value are actually value stocks takes research. You don’t want to “catch a falling knife” by the blade and end up bloody. You want to be able to catch the handle! Does the company have enough cash to weather any storm? Are creditors piling up? Is the photograph printing market shrinking incredibly fast and the company is not making the right decisions? Back to that fundamental analysis of the company itself - if you look at the financials and are impressed with the leadership's team ability to navigate that quick drop in stock value, then you found a winner!

Warren Buffet seems to think United Health is a value stock. As you can see, the stock is about half of its initial value. Buffet is in this for the long term and is hoping that his research is correct in terms of UnitedHealth potentially doubling back up to its previous value faster than the market as a whole would double. Either that, or he hopes his clout is enough to make it a value stock in that more people will invest just because he did.

Holy cow done

That about wraps up the difference between these two types of stocks. Many stocks are a blend of the two, also. But seeing the extremes helps with understanding this way to differentiate stocks. Yes, there are more specifics that I didn't fully get into. And yes I am trying to be as approachable as possible with the topic. Hopefully this helped you!

Can you find an example of a potential value stock out in the world currently? How about a potential growth stock?

I’m calling a “sore thumb” lyric a bad line (or lines) in an otherwise good, well-written song. Something that sticks out like, well, a sore thumb.

It’s something that’s bad enough to be noteworthy, potentially even bad enough to ruin the entire song if it’s really potent. It is, of course, also entirely a matter of personal taste and preference. One person’s “sore thumb” lyric might be another person’s highlight.

Of note: it’s not a sore thumb lyric if you don’t like the song or think it’s poorly written in the first place. The point of the topic isn’t to highlight bad songwriting but to highlight misfires in otherwise good songwriting.

What are some examples of these lines in songs you like?

Explain why they stick out like a sore thumb for you personally.

I'm wanting to automate a thing on my android phone.

I would like to activate and deactivate alarms based on calendar events (by keywords in their name or description).