Cold Brew Money

Atit Kothari and Tapan Desai

1 Creator

We talk about money because your friends and family won't. In this podcast, two friends figure out money as they reach their late-20s. We have learned to invest by reading books, listening to podcasts, watching videos, and making mistakes. They are here to discuss these ideas with everyone. There is a stigma around the topic of money, people don't want to discuss finance. We believe it's important to not only discuss finance but also master it. We will be talking about budgeting, scheduling, investing in stocks, bonds, index funds, valuation, and a lot more all while sipping on coffee!

#46 in the Top 100 Indie investing All time chart

1 Listener

All episodes

Best episodes

Seasons

Top 10 Cold Brew Money Episodes

Goodpods has curated a list of the 10 best Cold Brew Money episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to Cold Brew Money for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite Cold Brew Money episode by adding your comments to the episode page.

#7 - How To Buy A House

Cold Brew Money

08/17/20 • 38 min

In conversation with Jinesh Mehta, a home-owner in the US, understanding the intricacies of buying a house in the USA as an immigrant. We are discussing parameters such as bills, utilities, school-ranking which most new buyers gloss over when purchasing a house.

Additionally, discussing factors to consider even before you plan on purchasing a new home in the US.

Jinesh on LinkedIn: https://www.linkedin.com/in/mehtajinesh/

__________

COLD BREW MONEY is a podcast discussing finance because your friends and family won't.

Reach out to us on

Twitter: https://twitter.com/coldbrewmoney

Instagram: https://www.instagram.com/coldbrewmoney/

1 Listener

1 Comment

#61 - How to Value a Stock? Analyzing if Alibaba Is a Good Buy!

Cold Brew Money

08/30/21 • 41 min

Description:

[podcast_subscribe id="111"]

In this episode, we will show a method to value stocks. We will be valuing Alibaba’s stock, doing an Alibaba stock analysis, and what should be the fair value of Alibaba.

Using Alibaba’s stock as a case study, we wanted to walk through how you value a stock or a business to find it’s intrinsic value (or fair value or sticker price).

We will use Phil Town’s Rule #1 Investing method to value a stock. This book is a great read for anyone starting their investing journey. Linked below.

As such, using Rule #1 Investing we will value Alibaba’s stock price currently in August 2021.

Phil Town’s Rule #1 Investor: https://www.amazon.com/Rule-Strategy-Successful-Investing-Minutes-ebook/dp/B003IQ16EC/ref=sr_1_2?crid=JE9Z5A9W1NW5&dchild=1&keywords=phil+town+rule+1+investing&qid=1629891249&sprefix=phil+town+rule%2Caps%2C302&sr=8-2

Cold Brew Money - DCF Calculator -

https://coldbrew.money/dcf-calculator/

Rule One Investing - Calculators - https://www.ruleoneinvesting.com/investment-calculators/

Useful links:

All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

Cold Brew Money Newsletter: https://coldbrew.money/newsletter/

About Cold Brew Money: https://coldbrew.money/about/

All Cold Brew Money Episodes: https://coldbrew.money/episodes/

Cold Brew Money Tools: https://coldbrew.money/tools/

Cold Brew Money Resources: https://coldbrew.money/repository/

Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

Hosts:

Atit Kothari: https://kothariatit.com/

Tapan Desai: https://tapandesai.com/

Atit’s Newsletter: https://atitkothari.substack.com/

Tapan’s Newsletter: https://tapandesai.substack.com/

Contact Us:

Twitter: https://twitter.com/coldbrewmoney

Instagram: https://www.instagram.com/coldbrewmoney/

Disclaimer:

The information in this video is general information only and should not be taken as constituting professional advice from Atit or Tapan. Atit and Tapan are not financial advisers. You should consider seeking independent legal, financial, taxation or other advice to check how the information relates to your unique circumstances. Atit or Tapan are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this video.

#57 - Big Tech Earnings

Cold Brew Money

08/02/21 • 36 min

Google (Steady Compounding)

Revenue grew 62% to $62B for Q2 2021

Operating income grew 203% to $19B, a margin of 31%.

What’s more amazing is the numbers Youtube is throwing off.

Youtube with a monster quarter growth of 84% Y/Y to hit a run-rate of $7B.

It now accounts for 11% of Google's revenue!

And we're still in the early innings.

Share of US TV Time in June 2021.

Streaming is still only 27%:

8% Netflix

6% YouTube

3% Hulu

2% Prime Video

2% Disney+

8% Other small platforms

Alphabet reported $61.9 billion in total revenue versus $56.1 billion expected by analysts.
Google's ad services brought in $57.1 billion, while Cloud revenue grew to $4.6 billion.

Apple

Apple Q2 2021 earnings are out:

iPhone revenue up 65%
Mac revenue up 70%
iPad revenue up 78%
wearable revenue up 24%
services revenue up 26%

$89.6 billion in revenue overall, up 54%. massive numbers here during a pandemic

Amazon

Here’s how the company did:

Earnings: $15.12 vs $12.30 per share, according to analysts surveyed by Refinitiv
Revenue: $113.08 billion vs $115.2 billion, according to analysts surveyed by Refinitiv

Amazon’s headcount continues to swell. At the end of the third quarter, Amazon employed 1.33 million people worldwide, up 52% year over year

Bezos’ last quarter as CEO.

Facebook:

Q2 GAAP EPS of $3.61 beats by $0.61.
Revenue of $29.07B (+55.5% Y/Y) beats by $1.18B.
DAU of 1.91B vs. 1.91B consensus; MAU of 2.9B vs. 2.90B.
Operating margin of 43% vs. a consensus of 37.6%.
Cash and cash equivalents and marketable securities were $64.08 billion as of June 30, 2021.
TTM:
Revenue: 104B
Operating margin: 42.5%
Net Profit: 39B

Resources:

https://steadycompounding.substack.com/p/3-bullet-sunday-is-it-safe-to-invest

https://stockrow.com/

https://seekingalpha.com/

https://www.hardwaretimes.com/apple-airpods-revenue-more-than-nvidias-total-revenue-and-2x-more-than-amds-revenue/

Subscribe to Cold Brew Money | About Cold Brew Money | Cold Brew Money All Episodes | Cold Brew Money Rabbit Hole

Buy Cold Brew Money A Coffee

Hosts: Atit & Tapan

[podcast_subscribe id="111"]

Please note:

Information is only for educational and entertainment purposes and should not be relied upon as investment advice.

#116 - CBM After Hours - 401K Good or Bad? Nancy Pelosi and Nvidia! The Creator Economy Explained

Cold Brew Money

07/24/22 • 24 min

⏱ Timestamps:

We are having a conversation around the following topics

Intro: 00:00

What is CBM After Hours?: 00:15

When To Sell A Stock - Safal Niveshak: 02:43

Nancy Pelosi Buys Nvidia: 07:15

Instagram Launches Subscription Service: 09:12

The Creator Economy: 11:40

401K - Good or Bad?: 16:37

--------------------------------------------

🧰 CBM TOOLBOX: https://toolbox.coldbrew.money/#/dashboard

📈 Track CBM Portfolio against SPY, Coffee Can, and Mohnish Pabrai Free Lunch Portfolio: https://docs.google.com/spreadsheets/d/1Lu4JEYlbfI-4TnywfQYGVAimBEqMpCPZJZu0-AWF6Q8/edit?usp=sharing

💰 Use our M1 Finance referral code to sign-up and get a $50 bonus: https://m1.finance/4rT5a5LrOAJ2

☕ Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

--------------------------------------------

⭐ Useful links:

Become A Guest: https://coldbrew.money/guest/

About Cold Brew Money: https://coldbrew.money/about/

Cold Brew Money Tools: https://coldbrew.money/tools/

😎 Hosts:

Atit Kothari: https://kothariatit.com/

Tapan Desai: https://tapandesai.com/

Atit Kothari's Newsletter: https://atitkothari.substack.com/

Tapan Desai's Newsletter: https://tapandesai.substack.com/

📨 Contact Us:

Twitter: https://twitter.com/coldbrewmoney

Instagram: https://www.instagram.com/coldbrewmoney/

🚫 Disclaimer:

🎶 Outro Music: Mayur Jumani (https://www.youtube.com/channel/UCVUkpUN-Lufq407fUEX2wJQ)--------------------------------------------

#83 - Mohnish Pabrai Free Lunch Portfolio - 15 Long Term Stock Picks From Mohnish Pabrai!

Cold Brew Money

01/25/22 • 12 min

[podcast_subscribe id="111"]

Timestamps:

Intro: 00:00

Spawners: 00:49

Shameless Cloning: 04:04

Uber Cannibals: 05:46

How to invest in Free Lunch Portfolio?: 09:15

Free Lunch Portfolio Returns Till Date: 09:43

Free Lunch Portfolio CBM Tracker: 11:15

Mohnish Pabrai - Free Lunch Portfolio 2022: http://www.chaiwithpabrai.com/blog/2022-free-lunch-portfolio

CBM - Free Lunch Tracker: https://docs.google.com/spreadsheets/d/1Lu4JEYlbfI-4TnywfQYGVAimBEqMpCPZJZu0-AWF6Q8/edit?usp=sharing

We have learned a lot from Mohnish Pabrai (episode link) and Dhandho Investor is one of our favourite books. Mr. Pabrai has a free lunch portfolio in which he provides stocks updates on an annual basis.

What is a free lunch portfolio? You are getting stock picks from a super investor FOR FREE! His goal with the Free Lunch is to provide a list of buy and hold 15 compounders for long stretches of time, giving them plenty of room to ride. It’s a 'set it and forget it' type of portfolio.

There are three categories:

1. Spawners

2. Shameless Cloners

3. Uber Cannibals

Useful links:

All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

About Cold Brew Money: https://coldbrew.money/about/

All Cold Brew Money Episodes: https://coldbrew.money/episodes/

Cold Brew Money Tools: https://coldbrew.money/tools/

Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

Hosts:

Atit Kothari: https://kothariatit.com/

Tapan Desai: https://tapandesai.com/

Atit’s Newsletter: https://atitkothari.substack.com/

Tapan’s Newsletter: https://tapandesai.substack.com/

Contact Us:

Twitter: https://twitter.com/coldbrewmoney

Instagram: https://www.instagram.com/coldbrewmoney/

Disclaimer:

Outro Music: Mayur Jumani

#88 - MAGIC FORMULA INVESTING STRATEGY FOR BEGINNERS

Cold Brew Money

02/12/22 • 6 min

[podcast_subscribe id="111"]

Timestamps:

Intro: 00:00

What is it?: 00:23

How does it work?: 01:01

Pros and Cons: 02:17

Website and Portfolio: 03:16

When to use it?: 05:18

Links:

Website: https://www.magicformulainvesting.com/

Portfolio Tracker Sheet: https://docs.google.com/spreadsheets/d/1Lu4JEYlbfI-4TnywfQYGVAimBEqMpCPZJZu0-AWF6Q8/edit#gid=726394198

Description:

Magic formula investing refers to a rules-based, disciplined investment strategy that will teach you a relatively simple and easy-to-understand method for value investing.

A backtest of market performance between 2003 and 2015 found that the magic formula strategy had annualized returns of 11.4%, compared with 8.7% from the S&P500.

Put simply, it works by ranking stocks based on their price and returns on capital.

Developed by Joel Greenblatt—an investor, hedge fund manager, and business professor—the formula applies to large-cap stocks. He has provided a lot more detail in the book “The Little Book That Beats The Market”

Useful links:

All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

About Cold Brew Money: https://coldbrew.money/about/

All Cold Brew Money Episodes: https://coldbrew.money/episodes/

Cold Brew Money Tools: https://coldbrew.money/tools/

Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

Hosts:

Atit Kothari: https://kothariatit.com/

Tapan Desai: https://tapandesai.com/

Atit’s Newsletter: https://atitkothari.substack.com/

Tapan’s Newsletter: https://tapandesai.substack.com/

Contact Us:

Twitter: https://twitter.com/coldbrewmoney

Instagram: https://www.instagram.com/coldbrewmoney/

Disclaimer:

Outro Music: Mayur Jumani (https://www.youtube.com/channel/UCVUkpUN-Lufq407fUEX2wJQ)

#71 - How Much Money Do I Need For Retirement? Fireside Chat On Elon Musk Selling $TSLA Stocks & Web 3.0

Cold Brew Money

11/09/21 • 33 min

[podcast_subscribe id="111"]

Timestamps:

00:00 - Happy Diwali!

01:07 - Elon Musk’s poll for selling $TSLA and solving world hunger with $6 Billion

03:03 - Discussion on Web 3.0 and decentralised banking

10:34 - How much money do you need to retire?

Twitter Thread by 10-K Diver on the topic: https://twitter.com/10kdiver/status/1363230660479967232?s=20

Article on Financial Freedom: https://www.lynalden.com/financial-freedom/

Summary:

Key idea 1: Set a financial independence goal. For example, "to amass a $2.5M portfolio in the next 20 years"
You can arrive at this goal by making reasonable assumptions about expenses, inflation, withdrawal rates, etc.
Key idea 2: Figure out what combinations of Saving (S) and Investing (I) will get you from your current state to your goal.
Key idea 3: Periodically track your progress towards the goal.
From time to time, you may need to modify the goal itself.
After all, deciding on the goal is not an exact science. And a large part of it is based on personal preferences and circumstances, which can change over time.

Useful links:

All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

About Cold Brew Money: https://coldbrew.money/about/

All Cold Brew Money Episodes: https://coldbrew.money/episodes/

Cold Brew Money Tools: https://coldbrew.money/tools/

Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

Hosts:

Atit Kothari: https://kothariatit.com/

Tapan Desai: https://tapandesai.com/

Atit’s Newsletter: https://atitkothari.substack.com/

Tapan’s Newsletter: https://tapandesai.substack.com/

Contact Us:

Twitter: https://twitter.com/coldbrewmoney

Instagram: https://www.instagram.com/coldbrewmoney/

Disclaimer:

#79 - PE Ratio Explained (CBM Basics)

Cold Brew Money

01/11/22 • 9 min

[podcast_subscribe id="111"]

What is a PE Ratio?

It’s one of the most common valuation metrics.

The price-to-earnings (P/E) ratio relates a company's share price to its earnings per share.

A high P/E ratio could mean that a company's stock is overvalued, or else that investors are expecting high growth rates in the future.

Companies that have no earnings or that are losing money do not have a P/E ratio because there is nothing to put in the denominator.

How to calculate?

Price (price of stock or market cap) / Earnings per share (net income ttm / outstanding shares)

When to use it?

As you can see, PE ratio only shows data for a year (TTM). It doesn’t give you the full picture. It’s a great way to compare businesses in the same industry and how they performed in the year.

The other way to use PE is to compare it against the S&P standard. The standard S&P PE has been 15. Considering risk factors, analysts usually consider 20 to be a good PE ratio. If your business has a PE below 20, it is good.

Useful links:

All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

About Cold Brew Money: https://coldbrew.money/about/

All Cold Brew Money Episodes: https://coldbrew.money/episodes/

Cold Brew Money Tools: https://coldbrew.money/tools/

Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

Hosts:

Atit Kothari: https://kothariatit.com/

Tapan Desai: https://tapandesai.com/

Atit’s Newsletter: https://atitkothari.substack.com/

Tapan’s Newsletter: https://tapandesai.substack.com/

Contact Us: