u/PaintingMinute7248

Been thinking about this a lot lately. When you go to a big tournament, do you prefer the earlier rounds where every court has a match going on and you can wander around catching top 50 guys grinding it out, or do you save your money for the semis and finals?

The obvious answer feels like finals. We've had some incredible deep-round matches recently and the atmosphere is unmatched. Stadium packed, crowd electric, two of the best players in the world going at it.

But there's something special about those early rounds too. You walk in, grab a schedule, and basically build your own day. Court 5 has a big server you've never heard of taking a set off someone seeded. Court 12 has a doubles match that's somehow the most fun thing you'll see all week. You can sit five rows back at matches that would cost a fortune in the later rounds. You get to actually see how these guys construct points without the pressure-cooker tension of a final.

I think it really depends on what kind of tennis fan you are. If you love the spectacle and want to say you were there, finals make sense. If you love the sport itself and want to watch as much tennis as humanly possible, rounds 2-4 are tough to beat.

Personally, I love being able to walk around and pick who I'm going to watch. Feels like a tennis buffet.

What's your pick?

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TL;DR: Long-time lurker, first post. Holding 1,500 shares at $2.05 average. (not much, I know, but hoping I can hold it for 20-30 more years) The Cavorite X7 story is cool, but I keep wondering if the bigger long-term value is in the data HOVR collects once these things actually fly. Tesla, Meta, Google didn't get massive from their products alone, they got massive from the data those products captured. Could HOVR follow a similar path? Curious what this sub thinks for a 5-10 year outlook.

Been lurking here for a long time, finally posting. 1,500 shares around $2.05 average. Not huge, but enough that I think about it more than I should.

The basic bull case is what everyone here already knows. Hybrid eVTOL, patented HOVR wing, P&W PT6 powerplant, MHIRJ partnership, $0.97 per seat mile, full-scale prototype assembly this year, flight testing early 2027. All good stuff.

But here's what got me thinking lately.

The data angle

Look at who actually became trillion-dollar companies in the last 15 years. Tesla isn't really a car company, it's a rolling data network with software on top. Meta sells ads but the moat is behavioral data. Google's whole business is knowing what you want before you do. Even Uber's value is in the routing and demand data, not the rides.

The product is the trojan horse. The data is the actual business.

So what does an eVTOL OEM capture once these things start flying real missions? Flight telemetry across regional routes that have basically zero good aviation data today. Real-world hybrid powertrain performance. Sensor data from every flight. Route optimization across fleets like JetSetGo and FLYINGGROUP. Maintenance and reliability data that gets more valuable with every flight hour logged.

Predictive maintenance models in aviation are worth a fortune. If HOVR ends up sitting on the only real-world hybrid eVTOL data set in 5-7 years, that alone could be a licensable revenue stream.

The counter-argument

HOVR is an OEM. They make airplanes, not software. Nothing in their filings suggests they think of themselves as a data company. Joby and Archer have way more cash and headcount, so if anyone captures the AAM data layer, it might be them. And aerospace OEMs historically trade like industrials, not tech. Boeing isn't valued like Google.

Where I land

If they hit certification and deliver at scale by 2029-2030, an OEM multiple probably puts the stock somewhere in the $15-30 range, assuming dilution doesn't get out of hand. Solid return from $2.

But if they build (or get acquired for) a real data platform on top of the fleet, the upside gets a lot more interesting.

What I'm hoping to hear from this sub

Has management said anything about software, telemetry, or data services on calls? Is the dilution from these registered direct offerings going to eat the upside before we get there? Am I just rationalizing my bag?

Not financial advice. Just trying to think this through with people who actually follow the company.

Hey everyone, hoping someone has run into this before.

We're rolling out the Change Job process, creating a new CJ Template for managers so they can update Sup Orgs,/Managers or Cost Centers for their team. Things are mostly working, but we've hit a weird issue.

In certain scenarios, the current manager doesn't see the Organizations section when running Change Job for one of their team members. It's not all managers and not all the time, just specific situations but I'm not able to define any patterns that allow me to say why it's working sometimes and why not

Here's what I've already checked:

• Managers have access to all the necessary domains including the Staffing Headers domain
• They can successfully run the ad hoc Change Organization Assignments task without issues
• I tried enabling the "Enhanced UI" toggle on the Change Manager/Department template, but the organization assignments never show up there either, which is why we left it unchecked

So the permissions seem fine based on the ad hoc task working, but something about the Change Job flow is hiding the section for certain managers.

Has anyone seen this before?

Any pointers would be appreciated. Thanks!

TL;DR: Self-employed, can contribute up to $58k more to my 2025 SEP IRA and save $24,530 in taxes (42.1% rate). But I'm also buying a $200k home for my mom later this year (no exact timeframe) and need cash for the down payment. Looking for advice on whether to max it, do a moderate contribution, or skip it.

My situation:

• Self-employed, $10,400 already in 2025 SEP IRA, can contribute $58,135 more
• Maxing it saves $24,530 in combined federal and state taxes
• $85k liquid in savings (other funds are in investments and previous 401k)
• Buying a $200k home for my mom later this year, mostly financed but want a solid down payment to avoid PMI
• Want to keep ~$50k as an emergency fund after the purchase
  • Basically this kind of my floor that I'd like to have available.
• Not maxing other retirement accounts but do contribute biweekly to other investments

Options I'm considering:

1. Max it ($58k more): Save $24,530 in taxes but drain almost all my cash
2. Moderate ($15-25k more): Save $6,300-$10,500 and still have enough for a 20-25% down payment plus emergency fund
3. Skip it: Keep full flexibility for the home but lose the tax break entirely
4. Wait: I think I have until October 15, 2026 to contribute if I file an extension

Questions:

• Does the moderate route make the most sense?
• Anyone been in a similar spot... what would you do?
• Is the October 15 extension deadline correct for SEP IRAs?

Appreciate any input!