fyi

$Fathom (FTHM.US)$ let's try to use what severely lacking in today's society especially yesterday after we saw the sell-off event.

common Sense can go a long way when it comes to investing

it is a fact that the real estate market has been frozen in the United States as a result of the head of the Federal reserve keeping interest rates higher for longer

it is a fact that real estate transactions are down as a result of interest rates being higher for longer

within the real estate process if you break it down, you can have people buying a home, you can have people that own a property and they are refinancing. people do what is called a rate and term which means let's suppose they have a 7% mortgage 30-year fixed and interest rates fall to 6.25% they don't want to take any of the equity out of their piggy bank their house so they just refinance to get a lower rate and keeping the same term of the mortgage or you have people as an example that have a 30-year mortgage at 7%, and interest rates are down to 6.25 and they say if we reduce the duration of the mortgage from 30 years to 20 years we knock off 10 years we have our house paid off sooner and because we are able to obtain a much lower interest rate the cost of borrowing the money is less so in this instance they would be reducing the term of the mortgage. you have people that own properties that do what's called a Cash out refinance. and this means that they will use the piggy bank in their home and pull equity out and sometimes they will use that to put an addition on their house sometimes they will use that to invest in the stock market sometimes they will use that to buy another home or sometimes they will do a cash out to consolidate existing debt that's at a much higher interest rate like what is on revolving accounts credit cards at 27 -28% or wherever they're prevailing rate is because obviously if you are able to consolidate a much higher interest rate payment at a lower rate you are saving a lot of money on a monthly basis.

so now you understand the basic terminology and understand that this industry has been frozen you need to understand that the legal side the closing side is an incredibly profitable business and that's why some attorneys just do real estate closings that's it and when the market's weak they go back to being an ambulance chaser or divorce attorney and when the real estate market gets strong they start providing closing services because they're able to capture a lot of money in title insurance.

so this company has a title company and despite the fact that the real estate markets been for shit look at the rate of growth in revenues in 2024 that they experienced on the title side of the company

"Fathom Holdings reported a 92% increase in title revenue in Q4 2024 and notable growth in title transactions overall."

so here's a company that despite being in a shit Market throughout the United States they grew revenue at 92%.

if you have a technology company that grows revenue at 92% year over year what would happen to that stock?

if Walmart grew revenues at 92% year over year what would happen to that stock?

here you have this boring obscure company that despite a freaking horrific real estate market as a result of the head of the Federal reserves actions they were able to grow at almost triple digit.

now let's just think for a moment this is where common Sense needs to be entered into the equation and this is what's lacking with these idiots that are on TV...

we have just begun a real estate cycle I know it didn't seem that way because most real estate companies and most home builders got fucking smoked yesterday but a lot of that was algorithmic programs and stupid retail investors that panicked because well they're fucking idiots.

interest rates are coming down do not listen to the shit bags on CNN that all morning long oh Bloomberg didn't want to leave you out of the equation ,all morning long are talking about how a number within the Federal reserve voted for no rate cut and comments from them they don't perceive the need for any rate cuts.

interest rates are coming down there will be a cut at the next meeting and there will be a cut in December and then we are going to get a new head of the Federal reserve in May unless something should happen in between I don't know if it will who knows maybe Powell will choose to take an early retirement and start his book tour.. it's wishful thinking it'll probably never happen.. at any rate interest rates are going to be down next year about 150 basis points that's 1.5%

if this company is able to grow one arm of their business by 92% in a shit year what do you think's going to happen when the housing market frees up and interest rates are lower and home builders are building and people are buying?

use some common sense people take advantage of what is going to be a huge upside despite what these assholes on TV are preaching Non-Stop and despite what's going to be coming out of the FED will reserves minutes and commentary next week.

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Tadahking :

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ASteffie : I need coffee and I'm reading this. Thank you.

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BankeA : they can't... fathom the thought...

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MrOrange776660 : Trader, may I ask if I can buy the option expiring in May 2026?

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10baggerbamm OP MrOrange776660 : if you don't have the ability to draw a conclusion from everything that I have been saying you probably shouldn't be managing your own money you probably should pay a stock broker for advice. I no longer have a brokerage firm I no longer have any licenses I don't derive any commissions from telling people how they should manage their money I only tell people what I am doing... I venture to say I probably have more money invested in certain companies and certain ETFs than anybody else on moo moo so if you can't derive the fact that I'm putting my money on the line not only because I'm optimistic but because I spent a vast majority of my life in these industries and I know them and I understand economics and I understand business cycles so if you can't take everything that I am saying and draw a conclusion I'm not going to tell you what the fuck to do

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ASteffie : I'm fairly certain you've been explaining that real estate is Trumps number 1 thing since before he was elected. He's explained that he wants a building boom. It's coming unless he's stopped. I guess it may not be exciting, but I'm Heavy in NAIL, DPST and then we've got LDI, and those like you are saying have actual potential to explode.

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Intellectually Lucky : You are something and experience speaks. Such an effort to pen down in detail. 🫡

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ASteffie 10baggerbamm OP : Begs,

They’re close. 2026 options make sense if the setup holds. But they’re stuck. No confidence, no balls,no using the other techniques you've explained over and over. . They need you—and so do I.

You’ve been a mentor to me. Not just in trades, but in how to think clearly when the world’s fogged up. I owe many wins to your writing, your brutal honesty, your refusal to coddle.

I want to pay you. For the writing, the ass-kicking, the clarity. You call us idiots when we earn it, and somehow we get smarter. That’s rare.

I know you’re done with the noise. But before you walk, know this: some of us are here because of you. Don’t leave me in this mess. I’m trying to quit my job on Christmas Day. I won’t. Too much grit, too much loyalty. But I’d work for you. Remote. Quiet. Efficient.

You matter
- Stephania

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151831161 : Thank you so so much for your timely, transparent and detailed feedback :). I'm learning a lot.

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SumCreativeName ASteffie : i have been trying to learn this stuff for about 3 months now. this is my first writings to anyone. i have been reading and studying and following you and Steph’s writings without having any real money to invest.
with the $100 that went through today i have $300 invested now.
i had no choice but to pull a couple hundred out a couple weeks ago to get my wheel bearing fixed on my truck or else i would be at $500-$600 invested.
what im getting at is i have watched without being able to put much money in and the things you direct me towards to teach myself have been incredible. i wished so ao much i could have learned this stuff earlier. im 37, 2 little kids, with a stay at home wife. i am chomping at the bit to to change things for my family. i dont say anything because im so inexperienced and i dont want to sound dumb. i see what your about and i see you helping. there are people here who appreciate your direction.
like i said i havnt had money to really invest. so i have pretty much just been wathcing,analyzing, and reading so i can come up with my own decision about what i buy.but you have catapulted my knowledge in just a few short months.
Just want to say thanks for the knowledge.
sincerely,
T

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