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masoncj
| Favorite team: | Auburn  |
| Location: | Atlanta |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 866 |
| Registered on: | 6/9/2023 |
| Online Status: | Not Online |
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re: How much life insurance do you have?
Posted by masoncj on 8/20/26 at 6:56 pm to basiletiger
Dad was county agent - extension through auburn
Mom was teacher
They were not rich nor am I
Mom was teacher
They were not rich nor am I
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Apparently u Have to be a verified/premium member on x to send Mike a message.
Would like to join discord convo but not paying to do it via signing up for premium X subscription
Jax not sure if you could vouch for me to him, but you’ve seen I’ve been posting here pretty regularly for last year and I am who as I am
Would like to join discord convo but not paying to do it via signing up for premium X subscription
Jax not sure if you could vouch for me to him, but you’ve seen I’ve been posting here pretty regularly for last year and I am who as I am
re: How much life insurance do you have?
Posted by masoncj on 8/20/26 at 7:47 am to Ford Frenzy
One of our policies is through my childhood friend and CFP - he will know when I die and would engage my wife
Other is through the Knights of Columbus who several of my friends are brother knights
If both wife and me die i know my daughters would be contacted almost immediately by friends for financial support
Other is through the Knights of Columbus who several of my friends are brother knights
If both wife and me die i know my daughters would be contacted almost immediately by friends for financial support
re: How much life insurance do you have?
Posted by masoncj on 8/19/26 at 10:29 pm to GREENHEAD22
1.5m in term life on me and about $500k on wife, and $3m umbrella…LI will term out in early 50s and will not extend…we are pretty much self insured already with $2.4m NW.
Only debt we have is $165k mortgage
Only debt we have is $165k mortgage
re: How is everyone transitioning your children financially after high school?
Posted by masoncj on 8/18/26 at 4:10 pm to Redstickbaw
Wife’s grandparents left behind education trust…based on that this how we do it
1.Auburn Tuition and junk fees - trust
2. Housing and somewhat major expenses like a laptop - 529
3. Monthly max allowance of $600 for food during school months on co sign sign credit card (i.e. month or December wjen daughter is home most of time she would get maybe $200)
When she graduates in may of 2028 i will give her a 8 month grace period if she wants to move back in with us. In month 9 she start paying us $5-600 a month. She will not know it but I intend to give her all of that money back to her once she moves out. As far as her expenses go that will all be on her after month 9 post graduation …minus possibly her health insurance as as she has younger sister and if you have one kid on a policy you might as well have 10…same cost
1.Auburn Tuition and junk fees - trust
2. Housing and somewhat major expenses like a laptop - 529
3. Monthly max allowance of $600 for food during school months on co sign sign credit card (i.e. month or December wjen daughter is home most of time she would get maybe $200)
When she graduates in may of 2028 i will give her a 8 month grace period if she wants to move back in with us. In month 9 she start paying us $5-600 a month. She will not know it but I intend to give her all of that money back to her once she moves out. As far as her expenses go that will all be on her after month 9 post graduation …minus possibly her health insurance as as she has younger sister and if you have one kid on a policy you might as well have 10…same cost
re: Spec Play - HGRAF
Posted by masoncj on 8/18/26 at 8:29 am to NaturalBeam
Like I mentioned I think Cannacord sought them out and made an offer to HG that couldn’t be turned down.
In HG mind it’s almost free money
In HG mind it’s almost free money
re: Spec Play - HGRAF
Posted by masoncj on 8/17/26 at 7:20 pm to NaturalBeam
Or this investment company sought HG out and made them a deal they couldn’t refuse, which sure does seem to be the case
Better answer from ChatGPT than what I can provide
3. The C$6.80 price is significant.
The deal isn’t being done at some enormous discount just to get the financing completed. Investors are paying C$6.80 per unit, and each unit contains:
* 1 common share
* ½ warrant
* The warrant has an C$8.16 exercise price
* 5-year warrant life
That means the new investors are effectively saying, “We’re willing to put C$50M into HydroGraph today, and we’ll pay another C$8.16 per share if the company performs well enough.”
That’s a pretty interesting vote of confidence.
There’s another thing I like about this deal
The warrants don’t immediately dilute HydroGraph by another full share for every share issued.
HydroGraph is issuing 7.353M shares and approximately 3.677M warrants.
If those warrants eventually get exercised, HydroGraph could receive another:
3.677M × C$8.16 ˜ C$30M
of additional cash.
So you potentially have:
C$50M financing today ? potentially another C$30M later
while the warrant exercise itself would only happen if the stock gets above C$8.16 and holders choose to exercise.
And the company says the money will be used for U.S. facility expansion, business development, working capital and general corporate purposes—not simply plugging a debt hole.
3. The C$6.80 price is significant.
The deal isn’t being done at some enormous discount just to get the financing completed. Investors are paying C$6.80 per unit, and each unit contains:
* 1 common share
* ½ warrant
* The warrant has an C$8.16 exercise price
* 5-year warrant life
That means the new investors are effectively saying, “We’re willing to put C$50M into HydroGraph today, and we’ll pay another C$8.16 per share if the company performs well enough.”
That’s a pretty interesting vote of confidence.
There’s another thing I like about this deal
The warrants don’t immediately dilute HydroGraph by another full share for every share issued.
HydroGraph is issuing 7.353M shares and approximately 3.677M warrants.
If those warrants eventually get exercised, HydroGraph could receive another:
3.677M × C$8.16 ˜ C$30M
of additional cash.
So you potentially have:
C$50M financing today ? potentially another C$30M later
while the warrant exercise itself would only happen if the stock gets above C$8.16 and holders choose to exercise.
And the company says the money will be used for U.S. facility expansion, business development, working capital and general corporate purposes—not simply plugging a debt hole.
Well, this is kind of different and that it’s not really a private offering
This Cannacord company is on the hook for all the shares
Such small dilution 3% to basically double their cash reserves
Is well worth it, put them in a super strong financial position again since they don’t have any debt
This Cannacord company is on the hook for all the shares
Such small dilution 3% to basically double their cash reserves
Is well worth it, put them in a super strong financial position again since they don’t have any debt
Also, I think this means they got $80 million in cash on hands and zero debt
Which is unbelievable for a pre-revenue company
Which is unbelievable for a pre-revenue company
Timing is interesting for sure.
They just had a raise earlier in the year…wonder why extra funding is needed now
Can only speculate but hope it’s due to need to fulfill contracts asap
They just had a raise earlier in the year…wonder why extra funding is needed now
Can only speculate but hope it’s due to need to fulfill contracts asap
Exactly the same thought I had
I’m not going to even pretend shorting a stock from a strategy stand point
I have not will not ever do it
But if I was shorting the stock, I would be extremely nervous right now
And be looking to exit my position
I’m not going to even pretend shorting a stock from a strategy stand point
I have not will not ever do it
But if I was shorting the stock, I would be extremely nervous right now
And be looking to exit my position
Corporate B2B IT sales.
I have never loved it but it pays….been very fortunate
I have never loved it but it pays….been very fortunate
Im 43 and have about $1.5m in retirement accounts and another ~$400k in brokerage and cash ….payoff mortgage at 50
Goal is to “retire” from corporate work at 50 and do something I enjoy
Hoping to have a $1m brokerage/cash by then and use that as a bridge to retirement accounts at 59.5 … retirement accounts should be close to 6 million by then
Goal is to “retire” from corporate work at 50 and do something I enjoy
Hoping to have a $1m brokerage/cash by then and use that as a bridge to retirement accounts at 59.5 … retirement accounts should be close to 6 million by then
I think it will test the ATH
Redomicle means Nasdaq right around corner
The stock was always destined to trade above $10 or more or less 15
Redomicle means Nasdaq right around corner
The stock was always destined to trade above $10 or more or less 15
re: Spec Play - HGRAF
Posted by masoncj on 8/10/26 at 5:27 pm to FieldEngineer
I wouldn’t be surprised to see it make a run at ATH this week or next even without an annoucement/update
That said Many believe HG leadership is sitting on a mound of updates that will move it through the roof price wise
That said Many believe HG leadership is sitting on a mound of updates that will move it through the roof price wise
I just put in buy order for another 20k shares of SPARC
.10 cents for the stock too good to pass up …or either i am damn fool.
Probably the later …lol
.10 cents for the stock too good to pass up …or either i am damn fool.
Probably the later …lol
Same…i co signed a credit card with my daughter who is at Auburn (i pay it off each month) …we were with Cadence but it got acquired by Huntington.
Now she can’t see the transactions in the account…freaking stupid
We’re looking at other options now
Now she can’t see the transactions in the account…freaking stupid
We’re looking at other options now
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