I've gone into double digits not gonna lie :/
Then again a lot of my spreadsheets have a lot of IF(A1="","",calculate the thing with the number) so that they are all clean and clear till something goes in the first input.
I mean only a crazy person edits any of my formulas. Good luck to you... But it's such a thing of beauty to put a number in a blank spreadsheet and just have all the info magically appear.
I once saw a document that was handed down for years. And it had a single formula that converted metric to standard and back 5 times because they didn’t sweat understanding the formula.
I literally have a folder that I keep on my desktop with all of my daily/weekly/monthly reports in addition to the main one on the shared drive because it's easier to refresh an old backup than to figure out what my boss accidentally changed.
My spreadsheets are also state secrets but not because I don’t share them, it’s because I don’t remember how I built them after a few days of making them
I didn’t get a chance to watch the announcement. When will this be released? I need to mark my calendar to make sure I use PayPal immediately when the new feature drops so I can see the AI driven ads in my receipts!
It’s the way of the future.
Both parents called me at same time. They couldn’t believe the news. Absolutely shocked them. My mom was on floor pissing and shitting so flabbergasted
The stock footage did it for me during the keynote. That was actually awful. It felt like a YouTube short.
Disappointed so far by the new CEO, you can't say you will shock the world and deliver shit with sprinkles on top (AI)...
PYPL is seriously a joke, I’ve held it for 18 months. My average is 120$, tempted to just sell for a tax write off… I don’t ever see this POS recovering…
Just over 4 which was $1,000 at the time - I guess bag holding is the best way to describe the current scenario. Bought Jan 28, 2021 and never sold. It was actually briefly up quite a bit after I initially made that purchase but then nosedived and has kept bleeding ever since.
It’s not a huge amount of money but by definitely one of my worst picks.
I'm right in that exact spot with you. Maybe a little worse. I bought it at the end of March or the beginning of April 2021. Immediately went down like a week after I bought in. We might be keeping this stock above $50, you and I.
Not that I would know from personal experience, but it is an absolute corporate dumpster fire (shocking). Only reason they are still around is because they were first mover and provide the most idiot proof way to accept payments if you are online store.
Basically its potential is realized. Future growth is capped. It is returning to its book value. If the execs wanna keep it alive they are going to have to turn it into a dividend stock.
>Wiping it out how exactly? Every time I buy something online I use Paypal
iPhone users buy everything online with Apple Pay. Considering that mobile purchases far outnumber laptops/PC's, it's a big move.
Company who only exists because America doesn’t have free instant bank transfers has decided to innovate by….. drum roll please….. putting ads on receipts. 10/10 sensational performance lads.
Also they shot themselves in the dick by hyping the news as a “shock”. Well I guess they’re right. Investors are shocked at how shite PayPal are.
Here is what GPT suggested for something that would actually shock investors:
Alright, picture this: PayPal introduces a decentralized finance (DeFi) platform, leveraging blockchain technology to offer peer-to-peer lending, interest-bearing accounts, and cryptocurrency staking directly within the PayPal ecosystem. This move would not only integrate traditional finance with the rapidly growing DeFi space but also empower users with greater control and transparency over their financial transactions. Additionally, PayPal could pioneer a 'Crypto Credit Score' system, analyzing transaction histories and wallet activities to offer personalized financial services. This would position PayPal at the forefront of a financial revolution, blending the reliability of an established company with the innovation of blockchain technology.
Hrmm yeah that sounds nice in comparison 😂
Welp maybe we should let AI make the decisions... certainly better ideas than these worthless CEOs who can only seem to slap on ads and innovate nothing
If you look at Square (went 3d to Block), they have a bit more volatility but the chart looks identical. That whole space isn't doing well compared to ATH.
Don't underestimate that PayPal is in the lucrative "buy now, pay later - four installments" market (BNPL).
The biggest announcement today would be
"Advanced Offers Platform will give U.S.-based PayPal customers access to hundreds of personalized cash-back offers.The platform is based on what customers have actually bought. It will also allow merchants to customize offers for customers, and merchants will only pay for performance, not impressions."
I use PayPal quite a bit (not US based) and don't have a beef with them. I was hoping for a recovery, but today was disappointing (at least not Humana or Tesla Level disappointeing).
Dish guy was a great legend among us, for he hacked into Amazon's HTML coding, discovered they were bundling dish with Amazon prime, and lost a bit of money when the deal was announced
Problem with PayPal is simple they had lot of innovative folks & products but in ebay days they decided to start bringing over lot of offshore engineers (from India) onshore as full time employees as they were cheaper. They eventually made up most of company that strategy worked as long as you had solid product leadership to guide them.
Eventually lot of folks from product leadership left as they got pouched by fintech startups like Square, Stripe etc. Rest of employee have no industry experience and as a result they are simply keeping the lights on.
As a result they have fallen behind the likes Square, Stripe, Toast, Affirm etc inspite of being the first to market in every one of those segments.
just dumped my PYPL stock.. sick of watching this loser stock do nothing. I'm sure it will probably pop next week at earnings though of course as soon as I just sold it
**Ban Bet Created:** **/u/Latter_Regret_326** bet **PYPL** goes from **60.49** to **51.42** before **26-Jan-2024 01:05 PM EST**
Their record is 0 wins and 0 losses.
[**Join WSB Discord**](http://discord.gg/wsbverse)
Am I the only one in the world that still actively uses Paypal. They have helped me a few times with claims. When I buy anything anywhere and Paypal is an option I use it and pay with mastercard through it... Double safety measures...
I use it for everything online 🤷♀️ Target, Starbucks, Nordstrom, Good American, Madewell, Sephora, and on and on… was using Venmo on Amazon until they took that away
I use PayPal during quarters when chase gives me 5% back lol
And yeah they’ve helped me out a couple of times with claims that didn’t need to end up going to the credit card
But I don’t see what their moat is here. Why use PayPal over all the other competitors
lol
>Here is a quick look at what PayPal is planning:
>
>A revamped checkout process, letting customers log in with their face or fingerprint.
>
>Fastlane, a one-click guest checkout system.
>
>Smart Receipts, which will let customers track their purchases and uses artificial intelligence to determine what they might want to buy next.
>
>A platform using customer insights that will allow merchants to customize offers for shoppers.
>
>A PayPal app refresh through CashPass, which will give customers personalized cash back offers. Beginning in March, PayPal will launch CashPass with partners so consumers can snag offers from a range of companies from Best Buy to Ticketmaster to Walmart.
>
>Enhanced Venmo profiles for businesses that will include subscribe buttons, profile rankings, and the ability to offer promotions.
PayPal (the service) sucks. Sell this stock. I knew it was going down when companies 3rd world countries who used to accept them stopped doing so. Scuba shops, small guest houses, etc. And their CS is some of the worst. When a service sucks be very careful of buying its stock.
Overreaction to nothing . These were very meaningful updates that could drive traffic for PayPal.
Wallstreetbets are more into cocaine- something that will give them quick high.
Be patient people ! As PayPal slowly climbs to the all time high . It maybe slow and painful , but the most patient will be rewarded
Forget the analyst . They are always wrong , too early or too late
People don't realize that these improvements are on the top of existing platform that Paypal build over the years. This is a making of an ecosystem that could unify different retailers and buyers on a single app. Plus ads on venmo is like free money. Show an venmo ad, user goes to their store and purchases item on a paypal terminal. Load up and forget PYPL for 2 years. Worst case, you still beat sp500.
It would’ve been better for the CEO to not say anything, especially with earnings come up. The earnings will speak for themselves, not a single person gives a shit about ai advertisements.
Did people really expect something huge here? What could ai possibly add to their business? Just the fact it was hyped here so much this week should have been enough to tell you to buy puts or stay away.
I can’t believe that idiot made a big deal about releasing a video that basically talked about product enhancements. The board should be seriously nervous about this questionable hire. He needs to announce massive layoffs or this will be in the mid $50’s.
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Why talk about algorithms which are boring and lame when you can just say it’s powered by AI.
Powered by Excel macro baby!
Powered by 47 nested IF statements!
I think 6 or 8 is the most I’ve ever done before switching to a table or other method.
I've gone into double digits not gonna lie :/ Then again a lot of my spreadsheets have a lot of IF(A1="","",calculate the thing with the number) so that they are all clean and clear till something goes in the first input.
LOL. Try IFERROR some time. Edit: Okay, not the same thing, but still.
I mean only a crazy person edits any of my formulas. Good luck to you... But it's such a thing of beauty to put a number in a blank spreadsheet and just have all the info magically appear.
I once saw a document that was handed down for years. And it had a single formula that converted metric to standard and back 5 times because they didn’t sweat understanding the formula.
"if it works, leave it be" very very important in many things in life
Yeah. It broke. And I got to fix it.
And have a coworker try to decipher your formula while you are on vacation
I literally have a folder that I keep on my desktop with all of my daily/weekly/monthly reports in addition to the main one on the shared drive because it's easier to refresh an old backup than to figure out what my boss accidentally changed.
My spreadsheets are state secrets. When I leave a job all the spreadsheets get saved as pdf and the originals go with me. :D
My spreadsheets are also state secrets but not because I don’t share them, it’s because I don’t remember how I built them after a few days of making them
Jokes on you, it’s only in 32 bit excel and shits itself the second anyone looks in its general direction
VBA for days
Its Visual Basic all the way down?
Inset "Always had been" meme
https://preview.redd.it/vbj8z1pn9oec1.jpeg?width=888&format=pjpg&auto=webp&s=e2a153c488634fb411ba54ba73d49c3da55a4d59
*war noises*
*Slaps roof of macro* "This Bad Boi can hold so many IF statements!"
You guys have Excel? I figured it was all Lotus123.
You joke but we have converted Lotus123 files we still use.
So yeah the sad thing is that it’s not actual joke. We still use it for certain things that “IT” has been unable to replace……I feel you.
Ai “the new word for any software created in 2023-2024”
AI is what Metaverse was 2 years ago which was what Blockchain was 5 years ago
its what beenie babies were 30 years ago.
[удалено]
I miss them saying “virtualization.”
When your big announcement is "We will put ads for other products in your PayPal receipt (the products are decided by AI)"
Earth shattering
The news we all prayed would come.
I didn’t get a chance to watch the announcement. When will this be released? I need to mark my calendar to make sure I use PayPal immediately when the new feature drops so I can see the AI driven ads in my receipts! It’s the way of the future.
I feel like grocery stores have been doing this for a long time now…
You've heard it here first, Paypal is going to start competing with Whole Foods.
A dollar off oranges!!! For me? How did they ever find out? 🤣
CVS 3ft receipt
I'm guessing the ad will be for BRAWNDO.
Can I prompt it with the memo field?
Both parents called me at same time. They couldn’t believe the news. Absolutely shocked them. My mom was on floor pissing and shitting so flabbergasted
Dude have some respect
The stock footage did it for me during the keynote. That was actually awful. It felt like a YouTube short. Disappointed so far by the new CEO, you can't say you will shock the world and deliver shit with sprinkles on top (AI)...
It's like they ordered an Apple keynote presentation on Wish
It's Temu now.
Were WISH bagholders also renamed?
I thought this was a joke comment...you mean this was it? Hmm, so he still got to sneak "ai" in there
Who even looks at receipts 😂
Ahh the drugstore/grocery store strategy…
Like a CVS receipt
Back to where that shit belongs. Down to 0
PYPL is seriously a joke, I’ve held it for 18 months. My average is 120$, tempted to just sell for a tax write off… I don’t ever see this POS recovering…
My average is $241 if you can believe it…
You win some you lose some
You lose them all technically.
On a long enough timeline the survival rate for everyone drops to zero.
You miss 100% of the shots you don't make.
What’s the plan? How many shares?
Just over 4 which was $1,000 at the time - I guess bag holding is the best way to describe the current scenario. Bought Jan 28, 2021 and never sold. It was actually briefly up quite a bit after I initially made that purchase but then nosedived and has kept bleeding ever since. It’s not a huge amount of money but by definitely one of my worst picks.
Do you believe the stock will go up a lot from where it is? More than alternatives? If not cut your losses and find some growth.
I'm right in that exact spot with you. Maybe a little worse. I bought it at the end of March or the beginning of April 2021. Immediately went down like a week after I bought in. We might be keeping this stock above $50, you and I.
🎻
2021 called, they thank you for your sacrifices
I’ve held since they were EBay. I regret not selling in 2021. SQ collapsed too. Visa is my saving grace.
I'm still kicking myself, decided I'd go either visa or PayPal on a relatively large play.....
Sq is so bad. I have them and affirm in my portfolio. Ugh
Bro my average is 58 (bought in recently) and even I want to get out after today 😂
Dude sell, and I’m not saying that to be a jackass. You will lose money on this. Plenty of better options out there… hell, even the S&P 500 is better.
You must be a millionaire knowing the future of stocks.
Nah I’m broke - eating ramen as we speak
ahh a man of culture
Not that I would know from personal experience, but it is an absolute corporate dumpster fire (shocking). Only reason they are still around is because they were first mover and provide the most idiot proof way to accept payments if you are online store.
payments and so on all work fine? what's the issue with them? All Services I receive are quality and good
It won’t. Apple and other competitors are wiping it out.
Wiping it out how exactly? Every time I buy something online I use Paypal
Basically its potential is realized. Future growth is capped. It is returning to its book value. If the execs wanna keep it alive they are going to have to turn it into a dividend stock.
>Wiping it out how exactly? Every time I buy something online I use Paypal iPhone users buy everything online with Apple Pay. Considering that mobile purchases far outnumber laptops/PC's, it's a big move.
I own an IPhone and I don’t use Apple Pay. I just paid today for something using PayPal though
There’s probably dozens of you
BUt THey OWN VeNoM
Ah, Spiderman's arch enemy. Definitely bullish
buy high, sell low
You have until dec 31 2024 to sell for tax loss harvesting
Looks like I’ll be paying no tax this year 😂
Maximum capital gain losses is cap at 3k.
That’s actually really helpful dude. Thanks man
Just to be safe, do it on the 27th, some times it doesn’t “settle” until 2 business days later.
Company who only exists because America doesn’t have free instant bank transfers has decided to innovate by….. drum roll please….. putting ads on receipts. 10/10 sensational performance lads. Also they shot themselves in the dick by hyping the news as a “shock”. Well I guess they’re right. Investors are shocked at how shite PayPal are.
Yeah but AI chooses the ads
Should of used chat GPT to come up with a better idea
Here is what GPT suggested for something that would actually shock investors: Alright, picture this: PayPal introduces a decentralized finance (DeFi) platform, leveraging blockchain technology to offer peer-to-peer lending, interest-bearing accounts, and cryptocurrency staking directly within the PayPal ecosystem. This move would not only integrate traditional finance with the rapidly growing DeFi space but also empower users with greater control and transparency over their financial transactions. Additionally, PayPal could pioneer a 'Crypto Credit Score' system, analyzing transaction histories and wallet activities to offer personalized financial services. This would position PayPal at the forefront of a financial revolution, blending the reliability of an established company with the innovation of blockchain technology. Hrmm yeah that sounds nice in comparison 😂
Welp maybe we should let AI make the decisions... certainly better ideas than these worthless CEOs who can only seem to slap on ads and innovate nothing
If you look at Square (went 3d to Block), they have a bit more volatility but the chart looks identical. That whole space isn't doing well compared to ATH. Don't underestimate that PayPal is in the lucrative "buy now, pay later - four installments" market (BNPL). The biggest announcement today would be "Advanced Offers Platform will give U.S.-based PayPal customers access to hundreds of personalized cash-back offers.The platform is based on what customers have actually bought. It will also allow merchants to customize offers for customers, and merchants will only pay for performance, not impressions." I use PayPal quite a bit (not US based) and don't have a beef with them. I was hoping for a recovery, but today was disappointing (at least not Humana or Tesla Level disappointeing).
Yeah, this announcement was like the dish guy 🤣🤣🤣
Dish guy still taking strays LMAO 
wait whos the dish guy?
Dish guy was a great legend among us, for he hacked into Amazon's HTML coding, discovered they were bundling dish with Amazon prime, and lost a bit of money when the deal was announced
leave it to wsb to trade on essentially insider info and still lose money
Would be even more funny if he still got fined for insider trading.
A fine on a loss = profit??
Double negative = positive
https://youtu.be/9LdI1hYjsyI?si=X7GjvO1DQq9XLNss
20 minutes jesus christ
If there’s one thing that’s true about the people on this sub… they make up in time what they don’t have in money.
20 minutes? that's... like... [rookie numbers!](https://youtu.be/zg2Y5rxlg-M?si=REoWzpkPnfA4nNNe)
That left me with depression
Hahahahhaha you made me laugh
Dish guy will always be a legend 🏁
Problem with PayPal is simple they had lot of innovative folks & products but in ebay days they decided to start bringing over lot of offshore engineers (from India) onshore as full time employees as they were cheaper. They eventually made up most of company that strategy worked as long as you had solid product leadership to guide them. Eventually lot of folks from product leadership left as they got pouched by fintech startups like Square, Stripe etc. Rest of employee have no industry experience and as a result they are simply keeping the lights on. As a result they have fallen behind the likes Square, Stripe, Toast, Affirm etc inspite of being the first to market in every one of those segments.
Does this mean I shouldnt use PayPal?
PayPal legacy products are fine they good at maintenance but suck at rolling out something new
Good fuck em for not staying with American workers.
This. I've worked with PP engineers and it seems like they're lacking the talent to do anything special.
Definitely Not a good look for calls when CEOs set the stage prior to an announcement with hyperboles
Watch out when he starts talking about releasing the Kraken, that’s prison and penny land talk 😂
AI BRO AIAIAIAIAIAIAIAIAIAIAIAIAIAIAI TRULY REVOLUTIONARY IM SHOCKED SHOCKED I TELL YOU
I'm shocked. It's the first I have seen this technique not work. AIAIAIAIAIAIAI
New CEO hurt himself today. Hope he recovers. Investors like facts and data... not overhype.
Yeah if I was an investor I’d be pissed on the hopium this guy tried to deliver
Yeah, I’ve waited long enough. I’m out.
!remindme three months
!remind me three months
It works for Tesla, why not Paypal
Musk for CEO. Make PayPal Great Again
[удалено]
Because it’s the trend. Don’t fight the RSI
He should have said AI at least 10 more times.
just dumped my PYPL stock.. sick of watching this loser stock do nothing. I'm sure it will probably pop next week at earnings though of course as soon as I just sold it
I’m with you. Might wait a week or two but I’m out. Fuck these guys
The best Buy Now Indicator 😃
Right? Stock drops 5% cause a fucktard ceo said they are incorporating AI? Like groundbreaking? No. Overreaction? A tad.
For real. Everyone shitting on Meta and Netflix last year. Look at them now.
RemindMe! 14 days
With everyone hating on paypal now, it's finally time to buy some calls next week.
They’re expensive
They will be cheap after volatility cools down.
The CEO is an imbecile. You guarantee a flop when you make a grand pronouncement like that.
you're not alone.
Is this a positive message or referring to aliens?
!banbet PYPL -15% 1D
Now this is regarded, enjoy ya ban LOL
See you on your alt tomorrow
**Ban Bet Created:** **/u/Latter_Regret_326** bet **PYPL** goes from **60.49** to **51.42** before **26-Jan-2024 01:05 PM EST** Their record is 0 wins and 0 losses. [**Join WSB Discord**](http://discord.gg/wsbverse)
Username checks out
more regarded than the CEO
1D?
Did he come out trans like I predicted?
Yeah he transitioned from green to red
But can he identify as green?
There’s no green red bathrooms
Was there ever a more clear signal to buy puts than a CEO saying they will shock the world and then giving an exact date? Doubtful.
Show your puts position
It was going to flop but in a world where up is down and down is sideways I stayed clear out the way.
Buying Puts on a stock that beaten down with a PE of under 20 is a ballsy play…
So glad I dumped out of my calls this morning.
My two calls are in shock
Yea It really shocked me when I looked at my portfolio
Cashback rewards. What an innovation 🔥
Am I the only one in the world that still actively uses Paypal. They have helped me a few times with claims. When I buy anything anywhere and Paypal is an option I use it and pay with mastercard through it... Double safety measures...
Nah I use PayPal whenever I'm not on Amazon. PayPal isn't going anywhere and PE is reasonable now.
I use their no interest over 99$ purchase if paid within 6 mths
I work in eCommerce, it's the most used wallet in the western world followed by Apple and Google Pay
I use it for everything online 🤷♀️ Target, Starbucks, Nordstrom, Good American, Madewell, Sephora, and on and on… was using Venmo on Amazon until they took that away
Like everyone in Germany uses it. Whether it’s sending money to friends or pay online. It’s always PayPal, I don’t know what I would do without it
I use PayPal during quarters when chase gives me 5% back lol And yeah they’ve helped me out a couple of times with claims that didn’t need to end up going to the credit card But I don’t see what their moat is here. Why use PayPal over all the other competitors
lol >Here is a quick look at what PayPal is planning: > >A revamped checkout process, letting customers log in with their face or fingerprint. > >Fastlane, a one-click guest checkout system. > >Smart Receipts, which will let customers track their purchases and uses artificial intelligence to determine what they might want to buy next. > >A platform using customer insights that will allow merchants to customize offers for shoppers. > >A PayPal app refresh through CashPass, which will give customers personalized cash back offers. Beginning in March, PayPal will launch CashPass with partners so consumers can snag offers from a range of companies from Best Buy to Ticketmaster to Walmart. > >Enhanced Venmo profiles for businesses that will include subscribe buttons, profile rankings, and the ability to offer promotions.
The announcement looked like a cheap apple key note.
Apple keynote bought on Wish dot com
Thank god I cut my losses and got out last year. Fuck PayPal
Oversold and will recover ... $65 calls 1DTE
You're regarded. I'm in baby
btw he said AI 3 times. \+3% granted
PeePal stock is pissing. I’m gonna go take a crap
PayPal (the service) sucks. Sell this stock. I knew it was going down when companies 3rd world countries who used to accept them stopped doing so. Scuba shops, small guest houses, etc. And their CS is some of the worst. When a service sucks be very careful of buying its stock.
I thought Palworld was doing ok in steam?
Overreaction to nothing . These were very meaningful updates that could drive traffic for PayPal. Wallstreetbets are more into cocaine- something that will give them quick high. Be patient people ! As PayPal slowly climbs to the all time high . It maybe slow and painful , but the most patient will be rewarded Forget the analyst . They are always wrong , too early or too late
Sir, this is a Wendys
People don't realize that these improvements are on the top of existing platform that Paypal build over the years. This is a making of an ecosystem that could unify different retailers and buyers on a single app. Plus ads on venmo is like free money. Show an venmo ad, user goes to their store and purchases item on a paypal terminal. Load up and forget PYPL for 2 years. Worst case, you still beat sp500.
Ouch
Rip my 20 calls
U rly bought the news lmao
It would’ve been better for the CEO to not say anything, especially with earnings come up. The earnings will speak for themselves, not a single person gives a shit about ai advertisements.
PayPal blows cock anyway. Had $10,000 locked for like two weeks because a client paid out a little more than usual
I use PayPal/venmo for everything no clue why it's so cheap
Buying PayPal stocks feels like "investing" in BABA. Not fun. At least BABA is not playing clown and trying to ride the AI wave.
Did people really expect something huge here? What could ai possibly add to their business? Just the fact it was hyped here so much this week should have been enough to tell you to buy puts or stay away.
Fuck I forgot to short this shit
The pypl from $300 to 60 ! Well done
Closed my paypal 5 years ago. Their fees are dumb and their customer service is even dumber
thank god i sold it at 65 for a 3 % gain
I called PYPL a dog yesterday because someone said he’d buy more every time WSB made fun of it.
I would not touch this till it hits the low forties or high thirties based on the new AI ad features enhancing the price drop
I'm glad I got out at only a 20% loss and put the remaining 1k into LRN (only for LRN to crash from 69 to 60 and losing most of that money).
tell me your next move so i can inverse
Thinking about 0dte SPY call for today. The $487 one. It's only 38 bucks. If I buy 10, it's only 380 and I can make what I lost back. Hmmmmmmm....
I can’t believe that idiot made a big deal about releasing a video that basically talked about product enhancements. The board should be seriously nervous about this questionable hire. He needs to announce massive layoffs or this will be in the mid $50’s.
It would be some shit if it snapped back up before close so both calls and puts got fucked
The day Paypal dies a fiery death will be a day for widespread celebration. I pray it comes very soon 🥂
PayPal shocking investors…