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Found from the r/VentureX subreddit, credit to u/HellsTubularBells and u/pokemark111
https://www.capitalone.com/learn-grow/more-than-money/all-about-priority-pass-and-venture-x/
Looks to be new wording to no longer allow unlimited guests. Another priority pass nerf for one of the current premium travel cards, and another nerf for the VX at that. The card still feels like the most popular still given the “effective AF”, but the unlimited guests for PP was a sticking point for this card after Chase got rid of restaurant credits on PP for CSR
Edit — also appears the complimentary two guest maximum [applies to C1 lounges too](https://capitalonetravel.com/airport-lounges), with the new C1 Landing having one guest complimentary max | r/creditcards | post | r/CreditCards | 2024-12-31 | Z0FBQUFBQm5teE5QUEV5dk8tRmtjMU5ISkhja3hPU3dNbUZ5dVk3Y0dsX0RiS1JCeldkeG83ZE1iVV94MXEyeXNWUTUtZ1pORTRlaDRIcHgyNDJfb0s5d0RSUVdIeFYwN3c9PQ== | Z0FBQUFBQm5teE5QT3QzcDFuM2xBN2JPV3pMa0ZyQjRLSUpfQnZHWjUza2EwNGFrQzB5bUVXdUF4aTRiVFBIaUcwMHJGOUtual9SVjVoaVFMd25ZN2ZIVzlBREVia2lqVWtVSUZGdm9QOTIxLWdCcU44bW9ZeUpCN1hLNDNDV0Z5SEpzSFZKZ1Z1SkV6b3NjOGN4eGcwcTRFSFMwd2RJenJJSEZPY1RPMjg0SGlfT3hWRFhpZWt1YVFMQk0xa0dfTWN2U3JTN2ZkS1JCM0t6SXFUTUM5V2xZUFhSYmdFakxFdz09 |
Hi,
Doing my homeworks, I found that it's extremely difficult to diversify outside the Ethereum ecosystem. Most of governance tokens of protocols are ERC20, which whould be directly impacted by a failure of Ethereum.
Am I right to consider that:
a) an issue with the Ethereum chain would be a financial cataclysm in the crypto ecosystem?
b) It would probably have a massive impact into the real financial world?
c) It's probably vain to try to diversify a portfolio according to L1 chains as the impact of an Ethereum failure would be so huge that everything would crash badly.
Ethereum is looking like a single point of failure. Beside a crypto market crash, I am even not sure that a failure would not propagate technically to other L1 chains. L1 chains should be independent but is it really true?
I ask this question to see if I consider an Ethereum failure as a manageable risk or a black swan.
Thanks | r/defi | post | r/defi | 2024-12-31 | Z0FBQUFBQm5teE5QdkplTXlLMlpVYUl5UDhQQUhKT0Q5QlVNWXI0TFFxdU14WS1JRjUtcmpMVGhEV0daNEV5M2Q5ZkRVMTFCS3BxTDR6cHpKT0Z4eGVfQmhjNTFqOTRxcUE9PQ== | Z0FBQUFBQm5teE5QQUp0SjRyTnJTdUpxSUh3dXQzUjlFT2xjcUpfNVFJTDlhaFlCOVA1NVFpQ1p0MjR3bDNXbnM0V0szMmh4SmpjdUJlQ1FtM25NWTVCYUxhM1dlMktJTk9jVEhCR1Z5RXJ4WC1mVTM1dWZIcURLeXJpb0ZRTDhoTUllX3RZemVSdDFVS2g4TzZycmhRcTRLM0RGb3FSSVlDWFNtWTNLZlpWYzV5WXh3OGVFekJFPQ== |
Why don't many people use tradingview here? Plenty of indicators and can use 3rd party to automate. Seems like a hassle designing your own system. | r/algotrading | post | r/algotrading | 2024-12-31 | Z0FBQUFBQm5teE5QTTlNUGxIYU9BVW10Q0RzRHBjNTNVYnRQcmpCb3pHMWoybTFEV3ZmWUR4Z2dDaUhGTEY5T2xWQUxzTUxBMFhOVDM3amhfR3pleEhtcUJaWXFIVFJoWFE9PQ== | Z0FBQUFBQm5teE5QbXJyTVBVZHprbTkwN09KcmNPNGhpWnJ5Z2Uyck1mZ3VFYVBpUXE4ODE0Rl9EV0ZrckI5OG94TnBPQmRYUnFhVVBncEI0Mmp1blNKWDlNYlZibVRRUkNXN1c5djVYeHpXcWRENXlQNlVHLWR0VDk4RDF1bXc4eks1amJLanVneExKSmVUcmxOekZWS3V4c2pwRTRMQ01EalJfYkxlZGVyRWQ0RFVvQUQycGJmVGwxVHlrM3FWSEJ4ZFRmVHUzYU81 |
I plan to liquidate like $300K worth of stock in a few days (VT) and then buy a different stock (XEQT) RIGHT after within the span of like a 30 minute period and want to make sure I don't lose a few grand from being reckless in how I do it.
Any suggestions? | r/canadianinvestor | post | r/CanadianInvestor | 2024-12-31 | Z0FBQUFBQm5teE5QTnVlczRwYnFoMEtleTMtVEY1THdBSmdsaXZ5T2hObVlLVmNTNWVhLWhCYzFIT1FwcUh2YlZRSVVGaWxOQ2tpZEtzLURPdXpReHNtMlNPam0zSkxnNGc9PQ== | Z0FBQUFBQm5teE5QTXRSTDBiank1M1pJUVprazZjZXFHMVdMSkRkTDdWSEpmTUNKU0EzNF9TTC1UQ09aQW90ZFZlYzdJZ3RSa1RYTmluR2NmaFQ1STNzQXZEeUtncmpSUHVHblNLOUhCWWN5NzNBUGl4MTMwdDhtN3hCX0ItNkttS1gtWjFLVEVxdmcwVTdfMGYxWXRuT0ZuVmJHR2FEcnJBblNXVUZuUk1RakNlSERfdktwY2h4M0NrM2FUY2s5OEFaTVpQNVVnTFJyallnTDFiTDB1ZzNKZWp3QUlEVC01UT09 |
[Link to last post here](https://www.reddit.com/r/financialindependence/comments/18v7ssa/first_year_update_27m_nw_111k_salary_55k_third/)
As said before, been lurking on this forum for a couple of years, keen to keep myself accountable and come back to this with updates and feedback yearly, as well as welcome any comments. [Updated NW Graph can be seen here along with tracking sheet](https://imgur.com/a/wKDkJTA)
**Summary**
* **Job/Industry:** Working at the same company that I started my placement year scheme in 2018 with, Finance Management Graduate scheme in 2020, rolled off into Healthcare Finance Strategy (think midpoint between FP&A / BD) and am now on a Senior Finance Manager Development Program based in London.
* **Background:** Low income family, neither parent likely able to retire, no inheritance. This contributes to long term planning as in discussions to buy parents a house rather than them rent in the future.
* **Salary Progression:** 2017 - £17K (Intern) , 2020 - £37k (Graduate) , 2021 - £40k (Graduate) , 2022 - £52k (Full-Time) , 2023 - £55k + 10% Bonus , April 2024 £70k + 10% bonus , **Current: August 2024 £80K + 10% Bonus (joined Snr Fin Mngr** **Dev Prog).**
* **NW Progression:** 2020 - £8K , 2021 - £61K , 2022 - £72K , 2023 - £111K , **2024 - £157K**
**Asset Portfolio**
* **S&S ISA: £62,946 (40%) -** 100% VWRP again until at least a £100K target, invested £11K (up from £6K py) but have £5K cash to deposit before April.
* **Pension: £44,570 (28%) -** I increased my contribution this year as I am happy w/ my take-home/QOL at the moment, and starting in 2025 I will be putting in 25% personally, with 10% employee match for a total of £2.3K/month going into my pension, I will adjust this up/down as needed but that will be a decision later down the line.
* **Property Equity: £41,420 (26%) -** This home was lived in for 2 years but is now rented out to a family which pays the mortgage. I don't put the rental income in here as we're using it to build up a maintenance fund so its not really my money imo (\~£5k). Property has also been quoted as having \~£30K capital appreciation which is not taken into account, and we are looking to sell in 2025.
* **Cash:** £7,350 (5%) - I had a goal of £5K cash in 2024 which I have surpassed, the excess will be used to fund the ISA before the 2024/5 flip in April.
**2024 Goals Status**
* Set-up and stick to a proper budget (while also allowing for holidays/fun) to achieve the goals below. Have been largely winging it this year. **Not done at all! A 2025 goal again.**
* Get promotion at work in July to Snr Mgmt Development Scheme - comes with payrise + lots of development opportunities. OR. Focus on finishing CIMA and look for a better paying external job by the end of 2024 as could earn more externally. **Took the scheme and very happy w/ the decision, still need to complete my CIMA but its hard to balance w/ the additional workload from the scheme atm.**
* Develop a healthy emergency fund. **Done.**
* Invest at least £10K into ISA and £10K into Pension. **Done! £11K into ISA, £12.5K into Pension**
**2025 Goals:**
* Set-up and stick to a proper budget, had another year winging it, but am sensible with money.
* Arbitrary goal of £200K NW, if the markets continue well then this should be fairly straight forward.
* Invest at least £10K into ISA and £20K into Pension.
* Take 5 holidays/trips abroad either with work or personal.
* Actually make some progress with CIMA rather than sidelining it like I have prior.
**Questions: (similar to before)**
* How, if at all, should I better optimise my asset portfolio for long-term gains? Am I going to heavy on pension for '25?
* What do you all use to track and measure your budgets and also NW?
* Any other tips based on the above information? | r/financialindependence | post | r/financialindependence | 2024-12-31 | Z0FBQUFBQm5teE5Qby05ck1LR01Oa1RkQ05keHpib1MyRlozWHkyRUVtY2gtek91VmpiYWl6bjYyclp3ck1Xcm1zMDI0Qnlibjhfc2t0ZjZfTVN3RTJoVGJiS3dxb1BNOVE9PQ== | Z0FBQUFBQm5teE5QcVBDb2ltM2FUN1JtQU5BWXRQa0RvTk9BWkNvOHloeW5wY19PZElZaHF4d1FuZGRSNV9UWnB1aE5hemxWNmw2T3VzX1ltWVNteUFVRk02SlRpTV9ldElGdzRXeFFhRVZ2dVpEbEhYdUt2dmdGYnlNX1RBajhyamdoZ053alVadUkyR3ZweUpDSXB4azBHUkpwdUpkWkpwUlIyaVRnQzV4UF9ySE9IT3huMEUwYjlhcE42RjFLUGlsOC1faW9XOUhhazdMbUlpTWVmcE02WGZud2JMRkRFSVQwa0w4TzZwNENjTnJWdTJXOUU4ND0= |
Howdy folks! Many of you may have noticed Ocean Power Technologies (OPTT) absolutely popping off the past few days. For those of us who have been invested for a long while and plan on staying that way this isn't a big surprise, but for those of you who haven't heard of them and are curious, I've done a small write up so you can familiarise yourself with the stock and perhaps consider investing.
The following is a mix of facts & speculation, not financial advice. There are probably just as many good reasons not to invest, but that’s not what you’re here for. It’s not extremely deep DD but hopefully helpful nonetheless. I’ll get right to it as I know your time is precious!
**Summary:** OPTT is a wave-energy-turned defence stock with a few Navy contracts under its belt and a solid Red Cat (RCAT) partnership. They produce unmaned sea vehicles and buoys which boast a myriad of useful maritime domain awareness applications such as surveillance, early threat warning system, sea mine detection, 5G relay, environmental monitoring, off-shore support, drone charging, and more. Below I give my thoughts on why I believe they may be in line for more major Navy contracts in the near future.
**1. IN-DEMAND PRODUCTS AND SERVICES**
This is basically just me squeezing in a little company overview as one of the reasons but I had to hit that catchy number “10” in the title somehow, so give me a break. Long story short, the company offers a range of environmental, defense, off-shore support, intelligence and data collection solutions, which are provided through their core products and services:
**PB3 PowerBuoy®**:
* A wave-powered energy platform that provides continuous, reliable, and sustainable power for offshore applications.
* Used for powering subsea equipment, sensors, and communication systems.
**Subsea Battery Solutions**:
* Modular, high-capacity battery systems for storing energy offshore.
* Ideal for projects requiring supplemental or backup power.
**Data Collection and Communication Systems**:
* Integrated with their power platforms, these systems enable real-time data monitoring and transmission for ocean-based applications.
**Hybrid PowerBuoy®**:
* Combines solar, wind, and battery power for additional energy generation flexibility in various offshore conditions.
**WAM-V:**
* A versatile, autonomous or remotely operated surface vessel designed for various offshore applications (environmental monitoring, ocean mapping and survey, surveillance and defense operations, offshore energy inspections and support)
**Merrows Systems:**
* Using AI and Machine Learning, it consolidates data streams from multiple sources, including OPT's products (e.g., **WAM-V** vessels, **PowerBuoys**, and subsea sensors) and third-party systems. This integration transforms raw data into actionable intelligence, supporting decision-making for maritime security, environmental monitoring, and operational planning. The solution is designed for users like navies, offshore industries, and research organizations that require a unified and efficient approach to monitoring, surveillance, and data management.
**2. SLEW OF CONTRACTS, GRANTS AND PARTNERSHIPS IN 2024**
If you followed the company throughout 2024, you will remember the steady trickle of great news but when you list them one by one, it’s absolutely mental how well they have done so soon after completing the Research & Development phase, which has been a major drain on their resources for a long time. For your convenience, here are some of the 2024 highlights:
* [Ocean Power Technologies Secures Orders Exceeding $1.25 Million for Fully Integrated WAM-V Unmanned Surface Vehicles](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-secures-orders-exceeding-125-million)
* [Ocean Power Technologies Receives Funding for AT&T 5G-Enabled PowerBuoy® Deployment in Monterey Bay](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-receives-funding-att-5g-enabled)
* [Ocean Power Technologies Secures $1.5 Million in Purchase Orders for WAM-V USV's in Latin America](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-secures-15-million-purchase-orders-wam)
* [**Ocean Power Technologies Announces Strategic Alliance with Red Cat for Advanced Maritime Defense Solutions**](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-announces-strategic-alliance-red-cat)
* [**Ocean Power Technologies Announces Teaming Agreement with Major International Defense Contractor to Deploy Maritime Domain Awareness Solutions**](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-announces-teaming-agreement-major)
* [Ocean Power Technologies Announces Participation in NATO Digital Ocean Industry Symposium](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-announces-participation-nato-digital)
* [Ocean Power Technologies Awarded Contract for Immediate Delivery of Unmanned Surface Vehicle to Offshore Construction Contractor](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-awarded-contract-immediate-delivery)
* [**Ocean Power Technologies Reaches Agreement in Principle for Delivery of Multiple Unmanned Surface Vehicles to US Government**](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-reaches-agreement-principle-delivery) (*SOLE SOURCE CONTRACT!*)
* [Ocean Power Technologies Awarded Contract for Delivery of AI Capable Merrows Buoy in the Middle East](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-awarded-contract-delivery-ai-capable)
* [Ocean Power Technologies Announces Patent Pending on Innovative Docking and Recharging Buoy Technology](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-announces-patent-pending-innovative)
* [Ocean Power Technologies Continues Global Expansion with Signing of Strategic Reseller Agreements in All Key Continents](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-continues-global-expansion-signing)
* [Ocean Power Technologies Receives Further Contract for PowerBuoy® Deployment with Naval Postgraduate School](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-receives-further-contract-powerbuoyr)
* [**Ocean Power Technologies Awarded $1M Contract for Naval Information Warfare Center Pacific’s Project Overmatch’ Mission Autonomy Proving Grounds**](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-awarded-1m-contract-naval-information)
* [Ocean Power Technologies Secures Follow-On Order for WAM-V 8 and Delivers WAM-V 16 and WAM-V 22 to Latin America](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-secures-follow-order-wam-v-8-and)
* [Ocean Power Technologies Secures $3 Million in Purchase Order Commitments for WAM-V USV's in Latin America](https://investors.oceanpowertechnologies.com/news-releases/news-release-details/ocean-power-technologies-secures-3-million-purchase-order)
It’s fantastic to see that in such a short time they’ve already had repeat orders. It clearly signifies their products are robust and functional enough to satisfy the high expectations of their customers. It comes as no surprise, considering how lengthy the R&D phase was and how much detail went into the design of their gear, including optimization for both hot and cold climates.
**3. US GOV PARTNERSHIPS**
If you read through the above list, you would have noticed several orders from the US Navy, which is a huge thing for a penny stock like OPTT. Defence contracts can be very lucrative indeed, and OPTT’s product is uniquely positioned to provide great off-shore security solutions - so much so they were awarded a sole source contract for some of their WAM-Vs last year. The sole source contract award is extremely significant as it indicates a secure revenue stream from a high-credit entity, the US Government, and basically means that no competitor can currently match their product - there wasn’t any bidding, Uncle Sam just went straight to OPTT and basically grabbed a bunch of their big boy bath toys over the counter. The nature of a Firm-Fixed-Price contract implies that the company will not face cost overruns, enhancing margin stability. The fact that revenue recognition will occur ratably over the contract suggests a steady cash flow, which can help in operational planning and forecasting.
Their inclusion in **Project Overmatch** is also mind-blowingly good for the company. With a pretty decent budget of $140mln for 2025 the project is still ongoing and there is still potential for follow-up orders for OPTT. In fact, the project is of such importance to the Navy that the budget for the 5 years after 2025 has been kept under wraps but you can be sure it’ll be a pretty penny (certain sources mention $716mln over a few year period but not the exact split). Project Overmatch taps into the tech of some of the biggest hitters in the defence industry and for OPTT to be included among them is a fantastic opportunity.
More on Project Overmatch:
[Navy plans to spend more than $700M on secretive Project Overmatch across FYDP | DefenseScoop](https://defensescoop.com/2024/03/11/navy-project-overmatch-funding-2025/)
**4. RED CAT PARTNERSHIP**
Red Cat (RCAT) is the current poster child for defence penny stocks gone nuclear. Recently selected as the SRR (Short Range Reconnaissance) drone provider of choice to the US Army, Red Cat’s share price skyrocketed from $0.80 in June to nearly $15 in December. These are the sort of gains we are talking about where DoD contracts are concerned, and it is the hope of many of us here that a similarly sweet deal with the Navy will eventually buoy (hehe) OPTT in the near future. In the meantime, OPTT continues to provide charging, transportation and logistics solutions to Red Cat’s drones, allowing swarms to quickly charge up on the sea and move around on top of OPTT’s WAM-Vs, greatly extending their range and runtime. It will, of course, be hugely beneficial to Red Cat if they can secure orders from other branches of the US military, including the Navy, and so I believe it is in their interest to maintain a strong relationship with OPTT going forward. It is possible that Red Cat’s involvement in the ongoing Replicator Initiative may also have a trickle-down effect for OPTT, or even see them included as a contractor in their own right.
Also, RCAT has a strong investor community and many of the recent OPTT investors found out about the company through Red Cat news. It stands to reason that, as more people discover Red Cat, they may be interested in investing in OPTT as well if the company performs well, especially since OPTT has currently got a much more attractive entry point. Oh yeah, and the best part? Red Cat has never even been in profit, so for those of you thinking that our stock can’t shoot up until OPTT is in the green, think again.
Here’s Red Cat’s CEO Jeff Thompson talking a bit about the RCAT x OPTT partnership:
[https://www.youtube.com/watch?v=mlB9zOFYPGk&t=1575s](https://www.youtube.com/watch?v=mlB9zOFYPGk&t=1575s)
**5. SOLID MANAGEMENT**
I rarely see this discussed here (I assume people find this rather boring shit and, for the most part, it is) but any company is only as good as the people in charge of it, and I believe OPTT is lucky to have a decent crew running the ship right now. You can find most of what you need to know about the leadership from the website so I’m not going to go into too much detail here but it’s worth knowing that it’s a fairly fresh team (the company has been around since 1984 but the current C-suite and all but one member of the Board joined post-2019), with a wealth of experience in off-shore engineering and manufacturing, government contracting, energy, renewables, marine science and more. The CEO, Philipp Stratmann, often does interviews in which he discusses the latest company developments - you can easily find them on YouTube if you want to hear the man himself speak. I must warn you: he does have a very sexy accent, though. In fact, that’s 50% of the reason I invest in the company.
[https://oceanpowertechnologies.com/about-opt/leadership/](https://oceanpowertechnologies.com/about-opt/leadership/)
[https://investors.oceanpowertechnologies.com/corporate-governance/board-of-directors](https://investors.oceanpowertechnologies.com/corporate-governance/board-of-directors)
**6. STEADY BALANCE SHEET IMPROVEMENT**
As mentioned above, the company is still in the red but expects to become profitable sometime in mid to late 2025. They have made great strides towards achieving this goal and to quote from the most recent earnings report:
* **Revenue:** $2.4 million, compared to $0.9 million for the same period last year, representing a 2.7x increase.
* **Net Loss:** $3.9 million, compared to $7.2 million in the prior year period, representing a year-over-year decrease of 46%. Operating expenses have been reduced by 41%, including reduced external expenditures leading to a material reduction in third party spend.
* **Cash Used in Operating Activities**: $4.8 million, compared to $7.5 million in the prior year period, representing a year-over-year decrease of 37%.
It’s obviously not where we want the company to be just yet, but the contracts are coming at an ever increasing pace, there’s one foot in the door with the Navy and the company is getting noticed by more and more retail investors by the day. For a big part of 2024, the company was also battling a hostile takeover attempt which resulted in a lot of time and money wasted in courts. This has since been foiled and so the money can be put to better use now.
And that concludes the facts section. Now let me dust off my crystal ball for a minute because we are getting to the fun part. Although I obviously tried to keep things grounded in fact, from here on out it’s mainly just wishful speculation so do not make the musings contained in the next few paragraphs the main basis for your investment decision making.
**7. TAIWAN HELLSCAPE & REPLICATOR (SPECULATION)** \- segments in quotation marks are from Naval News, not my words. And yeah, I quote quite liberally lol.
As many of you will know, shit’s kicking off between Taiwan and China and as part of the effort to support Taiwan, the US have proposed a multi-domain defense strategy referred to as Taiwan Hellscape or Drone Hellscape, which “envisions a battlefield filled with tens of thousands of **unmanned ships**, aircraft, and submarines all working in tandem to engage thousands of targets across a major part of the West Pacific”. As Naval News goes on to say, “‘Hellscape’ and ‘Replicator’ are closely related to each other and many of the capabilities set to be delivered in the Replicator program will have direct applications to the Hellscape concept.”
“Concepts developed by firms like Ocean Power Technologies (OPT), a leading organization in maritime power generation, could be used to power this ‘Hellscape’. All unmanned systems have a limited quantity of power and fuel onboard for sustained operations. [OPT’s PB3 PowerBuoy](https://oceanpowertechnologies.com/platform/opt-pb3-powerbuoy/) could be deployed by U.S. Navy ships to recharge USVs and UUVs while providing secure data transfer capabilities. OPT has also developed unmanned mine countermeasure craft on their [WAM-V USV](https://oceanpowertechnologies.com/platform/opt-wam-v-asvs/), **a current candidate for ‘Replicator’**.”
I don’t really need to explain how immensely the company could benefit from large-scale involvement in the above initiatives and if you’ve read this far, you can probably tell by now how well OPTT’s tech fits the bill for what’s needed in this case. I’d go as far as to say their PowerBuoys and WAM-Vs could be crucial to keeping the defence effort going - from gathering data and simultaneously relaying it to various sea, air and land units, early detection, charging up and moving around drone swarms, and just generally keeping everyone and everything working in unison. The graphic below neatly illustrates what I mean.
[https://ibb.co/YLHYk81](https://ibb.co/YLHYk81)
Also, in his recent post, u/SpaceyInvestor2024 stipulated that the hyping up of the most recent earnings by the CEO was a strategy to drive the share price up “*to justify a higher dollar cap on their ability to raise capital via stock sales/placements.*” Indeed, shortly after “*the OPTT management files the 8K with SEC which leverages the \~0.70 share price.*” Spacey theorised this was all in preparation for some big news being dropped during the most recent ER release. Although we now know this has never materialised, I believe his assumptions to be essentially right, and share his opinion that this may have to do with the OPTT’s expectation of a major contract coming up.
It’s hard to tell how much money OPTT could obtain from Hellscape or Replicator but it’s probably safe to assume it would not be peanuts, and even if it is (which I doubt), just their inclusion in these projects could be the catalyst needed to send the share price up because if not, I can hardly think of a better opportunity. After all, the US & allies would be trusting them with keeping the operation’s heart beating - as far as references go, that’s a pretty glowing one.
More on Replicator: [The Replicator Initiative](https://www.diu.mil/replicator)
More on Hellscape: [Breaking Down the U.S. Navy's 'Hellscape' in Detail - Naval News](https://www.navalnews.com/naval-news/2024/06/breaking-down-the-u-s-navys-hellscape-in-detail/)
**8. PALANTIR + ANDURIL DEFENCE CONSORTIUM**
Earlier last month Financial Times reported that Palantir (PLTR) and Anduril (+ reportedly SpaceX, Open AI and a bunch of other tech companies) are working towards setting up a consortium aiming to bid for defence contracts and break the stranglehold which the likes of Lockheed Martin, Northrop Group and Boeing have had on the industry for the past fuck knows how long.
There is still little news on the details of this possible alliance but Musk, tasked with finding “efficiencies” in the US government spending, hinted that the Pentagon will see its fair share of cost-cutting, and this could mean less money for the usual big contractors and more for AI-savvy and agile companies.
This is good for OPTT for several reasons. Not only does the company fit that description, Musk stated he believes drones will be the future of warfare. If you remember well, our friends from RCAT are now a major supplier of drones to the US Army and have recently partnered with Palantir to power one of their drones with Palantir’s AI. This is of course just my speculation, but it may just be possible that Red Cat will be announced as one of the companies included in the consortium, which could indirectly benefit OPTT. I won’t even go into the scenario in which OPTT is included.
As I said, little detail is currently known but reports suggest the list of companies involved might be announced as soon as January. I might be reaching here a bit but, personally, I will try and load up on shares before then as I’d hate to get caught with my pants down.
[Palantir and Anduril join forces with tech groups to bid for Pentagon contracts](https://www.ft.com/content/6cfdfe2b-6872-4963-bde8-dc6c43be5093)
**9. ROCKET EMOJIS**
I have seen at least 4000 rocket emojis associated with OPTT to date, meaning the company cannot fail. 2000-3000 is still uncertain territory but the numbers we’re dealing with here should be enough to hit $25 by the 2nd week of March. That’s not even counting the moon emojis.
There. I lied, it was only 9 reasons but “9” doesn’t sound as catchy. Speaking of catchy, is there any catch with OPTT? For the sake of balance, a few things to bear in mind before pouring all your savings into Stratmann’s pocket:
**Balance sheet**
* Like I said, the company does not need to become profitable to see its share price surge, but you bet it’s important for investors, many of whom will be eagerly waiting to see how much these contracts for undisclosed sums are actually amounting to quarter on quarter. If the reckoning day arrives and turns out OPTT is still in red, people’s confidence might start to waver.
**Opaque costs and profits**
* Try as I might, I could not find any mention of the costs and profits for the buoys and WAM-Vs, and so I cannot say how much it costs to build them and how much they make from each unit. The Navy contracts give a convenient excuse to hide behind the “it’s classified” line, and things are made murkier still by the fact all their gear is highly modular and customisable and so the exact costs and profits will vary greatly depending on the requirements of their customers.
**It’s all still new**
* The company has put in solid effort into making sure their toys are ready to brave the constant salt-water submersion in some of the harshest environments on the planet, but the R&D only ended this year and it’s stressful thinking what a potential recall would do to the company's reputation. Where battlefield readiness is involved, the Navy will sure as shit not want to splurge on faulty stuff so fingers crossed we don’t hear any reports of major faults or glitches.
**Dilution**
* I think it’s fair to say it’s widely expected that there might be further dilution which some people dread but remember this is in great part how companies fund their expansions, acquisitions and recruitment drives (speaking of which, there is currently a vacancy on advertised on their website for a software engineer of autonomous vehicles, in case any of you want to be our man, woman or them/they on the inside). All in all I am happy to weather it as I believe any negative effect on the stock price will be short term.
**CEO eaten by a giant squid**
* It could happen.
That’s all folks. If you have any additional info or you’ve spotted a mistake in my reasoning somewhere, please comment and I will update the original post - I want my fellow redditers to be well-informed investors.
For the sake of transparency, I'm 64k shares deep, with a 0.54 average. I've been invested since May 2024, but had an eye on the stock since January 2024. It’s a long-term investment for me, with several years expected with the stock (to be revised as time goes). No price targets - it’s a penny stock, after all.
[https://ibb.co/BfMnChK](https://ibb.co/BfMnChK)
Good luck and hope you’ll stick with us for a long while. | r/pennystocks | post | r/pennystocks | 2024-12-31 | Z0FBQUFBQm5teE5QaGRnaWZMVjAyMmF6ZlpNVi05NjZGbWtSS2daUlVsZ2Rwa3NWVmhzSjJyMUExNG9NVlFKNWxucUNpRGh1Y2RiSGZzTWx0NFh2VnZ3WVgtd0RYOG53ZE1jZGlyaTNCWDBMbHBzb1ZuN2FTaE09 | Z0FBQUFBQm5teE5QWGJUZC0wZjFPU1FPVUw3M3RZV2Q1c25pcnZCNWVmdTl0cHMxT2RDVkVaQmZXQkd2ZGtVVDVENVJ3VmJfNTMyV0Utb0RYM29ENE5lVHpfa1NFaHhqZUJLbnJucjlpRG9BSmZRaGd5MXdpZ2Fyb0tNUjZNWGhIa1k0LWcybVlKZllXVV9KNGdLcFVWVHZaeGR2YVM3Ri1iQTU4dmM4SEJiTjdGY3NrdmRfbFFKbnNWWGQ5ak9pZlRvaDI5eGxTbEMybnd1b2YyR1RMZnpfR2Q0dWNSVFZtUT09 |
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--
^Standard ^disclaimer: ^The ^content ^in ^this ^thread ^is ^for ^information ^and ^illustrative ^purposes ^only ^and ^should ^not ^be ^regarded ^as ^investment ^advice ^or ^as ^a ^recommendation ^of ^any ^particular ^security ^or ^course ^of ^action. ^Opinions ^expressed ^herein ^are ^the ^opinions ^of ^the ^poster ^and ^are ^subject ^to ^change ^without ^notice. ^Reasonable ^people ^may ^disagree ^about ^the ^opinions ^expressed ^herein. ^In ^the ^event ^any ^of ^the ^assumptions ^used ^herein ^do ^not ^prove ^to ^be ^true, ^results ^are ^likely ^to ^vary ^substantially. ^All ^investments ^entail ^risks. ^There ^is ^no ^guarantee ^that ^investment ^strategies ^will ^achieve ^the ^desired ^results ^under ^all ^market ^conditions ^and ^each ^investor ^should ^evaluate ^their ^ability ^to ^invest ^for ^a ^long ^term ^especially ^during ^periods ^of ^a ^market ^downturn. ^Have ^a ^nice ^day.END | r/robinhood | post | r/RobinHood | 2024-12-31 | Z0FBQUFBQm5teE5QTnI1c2FKbVpwSFpEWGNGZF9UM0EtUzgwOERCS1BRaDBvQnd0eE1aNXA2bFppcjl6YlRkNHF1NHplR2w3bjZoMGtHNHZiWldiVV9FOFhBYmZkNFlXZ0NSNUZINWpPS2RadmhkbzVWY1g3bE09 | Z0FBQUFBQm5teE5QQnN2OTMzREl2OWs5S0lGOUVDNjByaXZEcTQwdml5YzFPVFdOLWVJYjZUaXlIWTJEM3h6WUFXOFdnVUlPVmwtQThxTzhiSlY3U21UaXYyNXdvUWczN0E2N05iTm1DdkpUMVFYaTBVWVdRMWxhcW5BY1dBcEtkRjJMUmYwLWJHUC1ud2xlNWFheWluTlJfeTdMbG9qa0ViNWZFb0Nld003OHNzYnZFY3laNTFFMnBveUZ2SG5USXZnZjJqNUhwMmpk |
Aren’t they the same as fiat money? I don’t see the point but I am clearly missing something! | r/defi | post | r/defi | 2024-12-31 | Z0FBQUFBQm5teE5QcEpnOXh3cV9NNExtNFo3NWxKUFFlQ0cydTdYOThhWGlKOVNRcXhwdkE5b3RxZ1hhbklZYnRnWnhEbVg3NE4ySWc3LThBLWY0QmJMU3RmTExyTEl6S0E9PQ== | Z0FBQUFBQm5teE5QbEhzVG5NS1BXeV8tX0VIYUhMSUc0YWNmVXI0QzNraUlJWEQ1NjYtOXE0em5nT2hjcU5Sdk82Q0JyX3k2dFlGVDBDSnFmOHhzelV3LXRiNU5lUXd3cDVDbTQyaGppUTlFSE1fX1BqeFByc01WNVlYekI5d1luWGF6VXVpSmpLZmZVR1ZpSTJ3S2ROc2NudUNqY09ZUHZ2LWdqbjdFZFpOcV9pVnlVRVRhNzFremEya1h0SlJWdEpSOEM0ZkF6Tl9hR1dzZ3E4bzdscU9WNXlJd3diZE1Ddz09 |
I've been doing it for a year now and open to a chat with anyone about best/good subnets and syrategies | r/bittensor_ | post | r/bittensor_ | 2024-12-31 | Z0FBQUFBQm5teE5QS1k2Wno3SkZfbTlfWU5pQWVZRFllMUNXanRlQlBaZzdNSFloMmRHbEJpV3pQaWdWRElQR1Y3aGNqT05TZGdJTFBPVnNsQ3R0OHloM250blozdW50OWc9PQ== | Z0FBQUFBQm5teE5QbTkydFR3NGthQjlTbmEzZ2Nhcmd4ZXQ0aXVkMnFCYkNpUjRTRE9ETm5LUzU2eHJnWVV1V1lFam9WMWRmNEVjU01qcVZfNzBwQ2JwZmZMNzhPSm1yaE5HY01WYkJIblZnWlkzVlkzNE02SFJEbHFGbFhLbTR2Y3RnX3JQdVJkMU1DTmVBaG9VSVlZdC1fWmFmQ2sxQ2VKcnBvaW9rTXdEN3hNcXhXdFZfakxaLVFRSmk1dDFja2FrdDlKLUliOEM0 |
2012 - $4
2013 - $65
2014 - $200
2015 - $185
2016 - $365
2017 - $780
2018 - $3,200
2019 - $3,420
2020 - $4,565
2021 - $28,105
2022 - $15,635
2023 - $16,510
2024 - $38,550
2025 - ~~$94,500~~ $90,465 (so far)
This is growth in the hodlers. The people who won't sell at any price. | r/bitcoin | post | r/Bitcoin | 2024-12-31 | Z0FBQUFBQm5teE5Qa2NISElWZ1IxTVN4X3dKZFI0X3ZqWUdZLXRRcG9DcmVNdjN6ZVdta2lLTEhIbkhWc01FZm92YjNObEpZNE95Y2s4aVJyTVUzb29OVGRRMGZhYzZsNWc9PQ== | Z0FBQUFBQm5teE5QTmV2SkV1Z2RONnlCaktZMi1sSmpzSkdlc3l3TThOX2htVFhqeEM4eWxFVzZDN3RVbkU3SmVZbERnZnJGc0loTFZPbTlyT0xKMy1TS1RuRy1YOG9Tb044cDV3ckRZMFVSVHpURmcwem81Z3ZNWmpWS2MyR2hkWHlWd1NWLTM2T1FfSG5ocHpRM3lJbUNfX2JrbUxFN1NOQU9fZWpWSUpzbTlYY1FiSkJqaUlXOHQ3UWdTVWNNTU81aFFFZzlGcGlQQkxNZUlVR1VldzdDdVRQUWFpNkpaUT09 |
Please explain how much you are charged for professional property management and whether that arrangement basically reduces your time spent as owner to almost zero. | r/realestateinvesting | post | r/realestateinvesting | 2024-12-31 | Z0FBQUFBQm5teE5QZnhXc2Jtb1NwaUUyMXNMTGNyX2w4YkR5STZvQVVHVHpBUVh5UU9oRDZvQ21NcGpRMUpDQ3I5NlUyUV9iWWFkeGF6MDNkbHg1c294RTNJOGF4LUIxWmc9PQ== | Z0FBQUFBQm5teE5QYlhIWHVUeVloU0F0bkJneDR6MnVPZHc4X0RlSTNHTkRpSVF2UEVKenBrVlY0V3YtZ3hQRnFBcjZKbzRMSUlRdVFDUmhObDNwOUE3aWo3WGFXT2ZVX0JsbUh4elhycXBsTWVOQlJrSTNtTWxqaEczRHRLaTdrM1ZoOHN6UFl5SEZOUm5TdVdWcWlyWTNTUVJNeW1DZUZaanR3NVBQNWFudERwOExOTVJmY213VG5ZNVpxalBpcm9NbFVJcDcyTmNHTUQ4V0Vydzd2VGtxU3ZtNi1jMWVUQT09 |
If I buy an ice cream for $5 I don't need to calculate how much USD has decreased or increased in value since I acquired it. It's just $5.
So if I want to buy something for $100 (USD) in bitcoin then it's this complicated math game.
How will this ever get sorted? | r/bitcoinbeginners | post | r/BitcoinBeginners | 2024-12-31 | Z0FBQUFBQm5teE5QTzFBWDJYUTNvMTd2Q1YzOFlXVGdWX1VwMXNRODUyX3NIRko5UjRjSGEyNkZNS2ZTSHZxZTA2MFE0TlBhbXpVTjdGaGprUVl6WXc5QXdibFo3TzNHQkE9PQ== | Z0FBQUFBQm5teE5QMW90bzR5ZFUyREJ1Z1d2d2lsa3BpRXVpVHdBMWY0M3E0STUwQnpUN2RtS01UdlB6cE9oOEJDMUwwLWtNSlM5VTQ3WTVyZ0N1SVB2Ml9WczZYYk5XV0hTLV8yTHJQWEY1a3NYaHVXMHFpaGVySHFobTUtWGNoU1VHMkZvSUtvNWhyNUdhS1hxSDlFcTBDcld5VHl3d0JpT3VXbjN5WjlKamVYYkxfQnpfclZaUkZXU0pyZ0ZOc2tFeWpKYUJfaU5NRktIZWFqZlg2dUFib1Fld3R0ZVFTUT09 |
[Lily Allen refused 200,000 bitcoin to play concert in 2009](https://www.independent.co.uk/arts-entertainment/music/news/lily-allen-calls-herself-an-idiot-for-declining-bitcoin-payment-now-worth-millions-9046211.html) \- Independent
I know this story is old but it never gets old.
Had she simply done that 1 gig for those 200,000 bitcoins and held on to those bitcoins, which presumably she never needed anyway given that she was at the height of her career back then, she would be one of the biggest bitcoin whales on Earth and one of very limited number of outright multibillionaires on Earth. Even given the recent pullback to the current price in the mid $90k range, she would still be worth well over $18 Billion.
Which just underscores this point: When you think you've made bad financial decisions, don't worry about it. Remember that someone supposedly better at making money than you (even if by other talents not in the financial sector), has made at least one far worse and costlier decision than you. | r/bitcoin | post | r/Bitcoin | 2024-12-31 | Z0FBQUFBQm5teE5QTE9TMFBxYWhxRlVJeGZOdlhKOWZrSUlpQ0lFUmNWMzhDeVMxSGUwa2paRWFydEV4ZkRSU3l3SHlReXBQc2hLX01neDQyVXoyOHA0bWF3OFhCOFN0ZFE9PQ== | Z0FBQUFBQm5teE5QbW9aTHlVNHg1bVF0bEkxaGR1ZHBHOTN5TVpHV2hpSzNLMU9YeDIxWWV3cHVwTjV6US1qMkFMc3UwQ25kVG5uaUxJd0F2Umk4VFlxYVBzNVBlM2oxSGRHQW9mRFhiYjdKQ0gweHNlbWJCcU1SbndQSVhvUzk1Yld6MlhXamtnZzcxdzV5NEVTeUp2M19tal9IbkE1XzdJR1d3YnZwTWluTlZzSDRHQ3hEamNiREJ4VjJsbHE0bkdabjFJSm93dXZOR3FTcmlseHdSZk9GRWdyRUtGc0czZz09 |
[https://ethereumclassic.org/](https://ethereumclassic.org/)
With the recent announcement of wrapped WETC I see even more potential.
How do we get this news out there for more proliferation.
I think we all owe it to Donald McIntyre for producing so much content how can we share in the narrative?
I know that recently Nov 18th ETC ambassador program was advertised, how can we help or see more frequent updates in this area?
The ETC hashrate is strong as ever starting in Nov 2024. Compared to 2022 when ETH started going POS we are way up in hash rate.
How can we get noticed even more? | r/ethereumclassic | post | r/EthereumClassic | 2024-12-31 | Z0FBQUFBQm5teE5QWFpha1ZrTlFJeDNHMG1JdGZiRFRjY3I5OEFIVkZ2cklRelEyNjhHYWE1d29ucms0QllOSXNVdFJMOWJJRW01MmxzeHRiVjc1SjllOWpEOW9UOGpIV1E9PQ== | Z0FBQUFBQm5teE5QMi15RGE2RWNxUlQwV0kwR0hiWU1DZ29tbzk2VEtiRWdncGRMOEZleGdaTGtrUlJjdjE5UWxpVkExcjhTcEUtNU9uc3pjbElJMHJZRFQ4OVc2XzQyNVhNTlJQcFZvTHhxNGNwT0lZZUZLMkEzMzZxSGFicjJkaHdlWnlUclQxdVVZdDROUVhRbG9JYmM1VW5IeDF3NE4zTnhOak81dmxNNndlOGNkUEVoR25Oa2pqNVlsVndPYVNHc0Q1ZU9talcxTzdRWHVMVFRKaEVaSUdsSm9qdElVUT09 |
Google AI spits this message out, but it is obviously more nuanced:
Privatizing Fannie Mae and Freddie Mac could have several consequences, including:
* **Increased borrowing costs:** Privatization could increase borrowing costs and credit enhancement, which are typically lower for the GSEs. This could lead to higher conforming mortgage interest rates.
* **Loss of taxpayer subsidies:** Stakeholders would lose taxpayer subsidies if Fannie Mae and Freddie Mac were privatized.
* **Decreased homeownership:** Privatization could decrease homeownership by increasing single-family mortgage costs.
* **Loss of public purposes:** Privatization would undermine the federally mandated goals set by HUD for GSE purchases of mortgage originations to underserved populations.
Fannie Mae and Freddie Mac are for-profit corporations that were created by Congress to expand the national home lending market. They provide liquidity, stability, and affordability to the mortgage market. The debate over privatizing Fannie Mae and Freddie Mac is complex. Some say that the GSEs' public purposes provide a substantial rationale for the current system. Others say that Congress should reexamine the privatization issue periodically because the balance of the advantages and disadvantages could change over time. | r/realestateinvesting | post | r/realestateinvesting | 2024-12-31 | Z0FBQUFBQm5teE5QM3hQRTlPNjdYVUhkZ2NmenFSbnVFZ2xpbGZsX0gtendmRVpDTTBwcjZ6bFZhWXJtN1Q1c2lqaU5JZ0pUY3VJSm1zeUJhNVRWM1JVZlVCdExvTHZKNzAwS3Bvdm1WeGdBRDRzeGRERzl5VWc9 | Z0FBQUFBQm5teE5QaWM2b3hHdy1KUXNSalljdVJnX2txU0F3cEFTZVRSaE51OWtNZUNtWGF3LVl6NFBVV1dNMnNrbVFWZENjM1pEb21oamF0VXNBRHJWcGJMY2U3bG5iRmdUTDlDcS1mWmgwajVBSy1aZmFnQ2tUR3pqLXdseG43T28zSmZ0UDJvSEhRRG5LbFVMUmp5c3YzNW5mM1lyU0JKaWluenhOdVNSUjY2UVRNY3haTmctWWV6dk9Pd01SdXpDMUxrVXkteXBJdFVPdDJwY2tiR2JlNTVKbWRFNGZ6c1h0cHhCZndUNzdrQmxRbG9NNS1zTT0= |
As we step into 2025, we want to take a moment to celebrate this incredible community that makes the Polkadot ecosystem so vibrant and inspiring. Over the past year, we've witnessed amazing growth, innovation, and collaboration across the network—thanks to all of you!
From groundbreaking developments in Agile Coretime to the ever-evolving parachain ecosystem, 2024 was a year full of milestones. Whether you're a builder, validator, nominator, or just a curious explorer of the multichain future, your contributions have been invaluable to Polkadot's journey toward a decentralized Web3.
Here’s to another year of:
🌟 Building together
🌟 Supporting each other
🌟 Pushing the boundaries of blockchain technology
Let’s make 2025 even more remarkable by continuing to foster the creativity and collaboration that define the Polkadot community.
Wishing you a prosperous and decentralized new year,
The Polkadot Community 💚 | r/polkadot | post | r/Polkadot | 2024-12-31 | Z0FBQUFBQm5teE5QQTRaY3hidWVITnVIRWhQb0RiZ3lDd0JDeURwc0RQNTZGY1JFWWU4NkF5X1NjeUQwb25GM0ZJQ3VsSXVJb09uQ2R3LTVqa0Y0YU9oY044bnFIZ3RPZEE9PQ== | Z0FBQUFBQm5teE5QcEtyRTk2RFB0c1FCWExKMmlvdXZKQ2FWSERjRnZRZXIzZHc5WnZuU2Ezd25tdWFiLVlFQlh3cndUTl9SOXdsWVlVcHFyeWRTNlJQY2MtQXp5RnZTLWwxSmhYZk8xOU12RXUyWDEtdXhNS2R4SVljX2h6MnVTYjZXYlBlR1BBc2p5WHAtb2p5VUt0OGNQZnJkSUFrV1FRTkc5TGxSYXl1UnpobGoyM01odWR0Tnc0WVRKT2w2VWNtanFrMnRQZjVH |
I am planning on paying off my house in the next 30 days, but from an investment return stand point, a lot of people will tell you not to. As I could deploy capital in markets to make a higher return on my money long term.
I love the idea of the peace of mind of a paid off house.
Is there anyone on here that paid off their house and they regret doing so?
Edit: 6.5% interest rate | r/fire | post | r/Fire | 2024-12-31 | Z0FBQUFBQm5teE5QbHlLWmNoRVZHbkRJc3NvT0NnZUJMQUMxNVJPNUpvRkV0OFdaN2NSQ01IU1R2aGI0NE1pdl9Ib05nMzFEWm9IT29YRDl0bXFTZzVsU3FVRGdRVFJDUEE9PQ== | Z0FBQUFBQm5teE5QSjE5S0N4NkNGYTFhazJWMFE2STF0OXVtZDZxcEdlWUJiaF82T2ZScm9hNmJ2VU9zMEs4QUZ6T3RlbTNDNTdrVXhzNHdmZGhUWVNscTQwMHNJMEd4OWw0Q2JSaVVDMlpzWXJIT3NXcGtMSjFjRWxsVzlFZmRZb0tKUGk1UmdUVFljLVVSOTFLUXZfRmpvUTlXd2dPVUVWRHlUN3ZKd0lxZzlMUW5VcGpPamJaend3NUtITDJ3bm96NW00X21mOXVo |
r/options | post | r/options | 2024-12-31 | Z0FBQUFBQm5teE5QZXdieThYTmhjZHlTYWdtRGlpQmpmQnpwdWlfZUdSOERoN3llcjBNVWRZTm9IcHA1NjhEbmU1eW0xUkEtVHFvNnFXRUdLSEplTWl5X3lYQUdoa29QTVZjcDhwVjZObFBEZTR5Zm5rSXZrVnc9 | Z0FBQUFBQm5teE5QbzY1QW4yaDh0UV9tTjg4bUF1d1BEWHhVclNPaWoxb1Y3Y09OcW1jOVNwRTlyWWI3aFRBYjhpa0xSSlM0d0szX3JUczBrcHZIWG5GRjZRbEh3VldKbjVMRWN1NkpwU25kUVBPWTVZdktTZmUtZlZCOEE4eko0ZGlVdXNueHhNQlpscW0yeFZRVllBclF5cVpPYndiVEQ1UXpCNFg4cDhoN0o4Y2M2a0ptM1VfblNuRUN1RFlEMXYzNkl4cllyenhi |
|
4% on dining, takeout, groceries, and gas seems great. Not counting the $10 off your bill.
What am I missing here? | r/creditcards | post | r/CreditCards | 2024-12-31 | Z0FBQUFBQm5teE5QSjg3X2h4V0pqTTNTT3B4elI4ekpXV0lxWDlvc0cxc3Z2QmR1ajBfRkpnRjJlSFN0Tjh1VXpGUy1kTl9yTkxvZDNMbTF1d1lLVTZucjVpMDBDUmE5cXc9PQ== | Z0FBQUFBQm5teE5QdmJ0bGdZM0FXWmNfRTRMdXR4Zm1vZ0FIcS1TQy1BTG5Zb1JYZjQxX1dfdW40UlZKVUo2WnEyS2JQbENGeXI4NHJfX3R2WXRDLV9tT3loaWVocFR1SGJaY1VwdFFpRkt5QWVTNF9oV1dfWjUxOVc5RTMtVUhkaFJKdXdJcDlQSkJxRHo4alZ3Z2xlN0VuYmZtNkVvSXZhWFBhSW45YjNKS1E0WHFGYVdfT2dwcEpCYjNkRm1VZE02aTloUzNKcy01d0ZiNkZvZDA0R29KR0JIOE81NThMdz09 |
New Strike update. | r/btc | post | r/btc | 2024-12-31 | Z0FBQUFBQm5teE5Qb09wcnYxM3VzQTdEdTlRV3RJRmRqZGJ2ZU5wOVBaZ21TbHVLT2lpM2I5dnpKb1I4X002S0tKaUtROUVHLWFoWGp1N3lIM2duUTBQcmRZX21GaTZaX1E9PQ== | Z0FBQUFBQm5teE5QLTdUM3BvWVJJMC1USjI5bi1XUExPRHpEVGlLRnhJV0V5N0dmVU9zX18xWXBrTEkwNUpjbEVhYlNLRWVKZnlYeUhvUWUwZVlxZC1TWnRjeTdqbXh2VHZxNmp2WDhpbnoyd0RlQnZzV0tvdmNYdk1aZzVlNmg3Z1FMNlZjM25iUG1GWldqRVBVNG5KT0Z5dEtSVk1IdGpPTjI0ODhPM3BDZ09RSzhLMmxVS1pJPQ== |
At the end of the month, I got greedy and impatient at the slow progressive gains so I decided to hold longer for larger profit. It didn't work out for me. 😅 I got half of my money now to buy in at a lower price so holding to see how next month go.
Greed is tough. Couldn't be happy with 12% gain. Now sitting with 5% gain. Oh lordy. 🙄 Serve me right for being impatient. Impatient buying and impatient selling screwed me over. Let's see how next month goes. Good thing I took the members advice and got out at half profit so I have money to play around with while I hold some of these shares. 😅 | r/daytrading | post | r/Daytrading | 2024-12-31 | Z0FBQUFBQm5teE5Qam9yV1d1NVdJU3hUMFJYZ0hEcDdFQWxVUDE1Y1A3eWtSdXVhbVBPZG5tdTlWUUhRcHI0dDVmdzc4U09XNi03eFZtLTQyX3JJQ20zeVFQdUxBUHZMZWc9PQ== | Z0FBQUFBQm5teE5QbWthNGQyc0x3dHhIVXpCbHBLMm5sT2dGZktBZ3AxYUhpQ0J0UmE3LS1mRnJDejhqWTdKTS1EWWlBWHdJMUJJQTY2d1czQ1hWY1hSV1VaZHBKY2V1SnBlUUVCWFRubVNJVDVUYTQ1THFkY0ZMaWlXaVZ1UjNzNmxDX1phTG4ya3ZYM3pUZHpZUGVlUjd3MzNfZ1JCNGR0V3dsT1ZSRHk2b0hBdUItMUlUbVpRPQ== |
I'm sure like most, one of my new years resolutions to myself is to find more financial freedom in the new year. This means cutting the things out of life that don't bring me joy (fast food is a real killer for me it is both expensive and unhealthy). I am just looking for some inspiration for some things that I can do more frugally in the new year! What frugal hobbies do you have? I was thinking to learn how to sew in order to repair some of my older worn clothing items. Thanks for any inspiration or ideas you may have and Happy New Year! | r/frugal | post | r/Frugal | 2024-12-31 | Z0FBQUFBQm5teE5Qajk2aVBndmNKRHpWMUpnMHBzdnpjLVNNbGU4bzFlNlhMWUdNSzFfcWFKd2JhYjhhSXJTZDNIQ29GaUZDRE5rZnVCTU1kQVVpY1VYZENjdjNCLUxMYkotWGpWcHgzUnJtUHNVY0lNTWk1RU09 | Z0FBQUFBQm5teE5QSGdaemM1QjhWVldCOVI3eEhxWEM5cm5pUW1wbDNYX19UUEozSlhwTFlwX0dnbXRnY3pxNFcxMGhORmFlcmJHVnItbzd2WE44MDBYTWFTVUF1aEIxRUZmZ3Zmcm9XN1h4WUJCVHhob1pqTmF5SVl4M251OXdOdFllbFQ4M095Sk1SY2twS0x1MjMyMVUwczd1WXpOZExzZW1mUGc0ZVYxZkxadzI1b2xKRzhrVmZzSVM5ZktCWnNaTVZOMDFYa1hNTWxWSUJuVzloUHVDY1VJb01rYk53UT09 |
I trade on a 3-minute timeframe and have usually about 2-4 indicators for my strategy. I'm pretty new to this forum so I wanted to ask people's opinion on optimizing parameters. I read a study which stated that optimizing an indicator can yield returns greater than the market. After going through this forum, it seems like the majority disagrees and I'm wondering why? After backtesting simple indicators and strategies optimizing parameters does in fact show greater results. In my current strategy I basically do a roll forward optimization where I rerun my backtest monthly to see if the indicator optimized values have changed. Which they rarely do and if they do its usually an increase or decrease by 1.
This honestly seems to simple to be true but I've learned that simple usually tends to be better. | r/algotrading | post | r/algotrading | 2024-12-31 | Z0FBQUFBQm5teE5QWi1hdnRTTTVzT1RPN1VMT3NLVHc3UkZ6VXpFaUZDMzgtRGxKTDk3VXR4WW1NZklCeWRjdk5Zb3ViVXF0Y2RONi15cVhkTjBkYzlSMGZ5dDNDa2JSY2c9PQ== | Z0FBQUFBQm5teE5QXzFPcGJfbF9fYkozRnBNbEpxYmFCWUdTNVI0anR5VmVFOHNhZVZVMndpX2x1NWY3cnZzcG5OWVlfNVZ5dU45TmlHTXFFRUxVT0xnMXhJcUIwZlBMRzFDMFVPSzlWVjNBR1BPUXkwU2l1LWpzZkhkSUdRbmphN0FrZEpmb081VlpCUWxUZi1OS2RYdlpGMnJubXV0bE1tU3pqUDJ2Y29nYUt6d1BrTDRpbWpaak96RVUzelFHQmdSSEZTenIxOUIx |
Hey everyone, I know today’s drop in small-cap stocks like ours might be stressful, but it’s important to understand this is a common year-end phenomenon. Here's why small caps often get hit hard at the end of the year but tend to recover quickly:
- Tax-Loss Selling: Investors sell underperforming stocks to offset their gains for tax purposes. Small caps are often targeted because they’re more speculative and less liquid.
- Portfolio Rebalancing: Funds and institutions shift away from riskier small caps to larger, safer assets as part of their year-end strategy.
- Low Volume Volatility: Year-end trading typically has lower volume, meaning even small sell-offs can significantly affect prices.
The good news is that these drops are often temporary. The January Effect = when fresh capital flows into the market and buying resumes, can lead to a strong recovery in small caps. Historically, January is one of the best months for small-cap stocks. Let’s stay patient and keep an eye on the bounce back in the new year! | r/pennystocks | post | r/pennystocks | 2024-12-31 | Z0FBQUFBQm5teE5QZjRJRUhMVkl4dUFwblE3V3k3MWdYUm5lRWdVRkEyeTU2enRiaTUyd1FreEl3MzM5UkV5ZDZ5QTRycXFxdFRpbmlfWncwQWlBdF9CT2dfVWIxYVFTaG1wSmkzWjRCMnQxdzZBbFZ1eGh5Ujg9 | Z0FBQUFBQm5teE5QNjk3dExsM2JtVjRXNkNKUFVmbV9iZmEteW9Jci1kNnFTN1FlV0RIMWhtZnhJQlRfWWRiYzlRbjV4MEFPd3VOdms5eFlQaE9CRTFCU1RycW9oTWc5bUJNV2MxemdVNU5Ja2xmcGxqMU9FM2RfbS1lS3UzcEVOd05ud0dxTktaWG90QmZmWUQySGtFaG80NzlYU0lnZjNacjlsNE5UTG45RnZ5ekluM0dYMEpVPQ== |
Assuming that I will be targeting very volatile assets/stocks, I am thinking of targeting strikes that are further away, buying the night before so that on the morning of the opening of the trading session, I have a greater chance of the strike being closer and having greater liquidity.
I am thinking of targeting only very volatile stocks/assets such as TSLA, NVDA, MSTR and others that have a good gap at the opening and move a lot in the morning, so that I do not have such an aggressive Theta for my 0DTE and greater chances of my strike getting close and having a good profitability.
Furthermore, I am thinking of placing a trailing stop on both legs of the straddle to protect my losses and profits by 40%, so the system has a good margin to operate and in theory, the loss would be controlled, since at the beginning of the trading session, the movement is usually very strong in one direction, up or down.
Note: My background is in another area, I have not operated yet, I am in the paper trading study phase. | r/options | post | r/options | 2024-12-31 | Z0FBQUFBQm5teE5QSlJNSVNEOF9KUlFYeDhxN0NmZW9JZ1pOQXZ0dkh5R2QwdFdTOU1tUGNOTDVJME14VTZ4SGhTQ21XeFE2ZHVIc2xsdi1vUDU0Z1U3MmJGUnVfZTJiUFE9PQ== | Z0FBQUFBQm5teE5QY20yc2R2Z29vT1d5SDZmZ3E2bVFzZ3RxV2s4UmF3MFhkaFRXQmxSWDE3Zm40WXZyS0JyNVBZeFlvcW9nbWktNDJGb2wzSzV6MGpGWWtkemZ4c2pxVExsdW53TU8zaVFLSlVPZHBHQkNzU002RHJrY01Fa29IVG9hZ1dsbDVuNXhtUzFJd3VqS09LSTZnVFhnNl9paGZKeDlzNHhYeUk0TTRLSC1xWHpXUC13PQ== |
Please no judgement, I’m beating myself up enough as it is. I am small fry compared to most (I don’t even earn 18k a year) but this has been stressing me since November.
Basically, I’ve been self-employed since 2020 and when I was doing my taxes this year I realised I’d totally missed off a whole bunch of invoices and expenses - and not only that, I’d done it for previous years too. I’ve been tearing my hair out for a week over this 😩
I have come clean to HMRC who, to their credit, have been really nice and have said I can just make the corrections and pay what I owe (or claim refunds if needed). I have all my bank statements and expense receipts so it’s not like I’ve been lying, I just made a massive error and didn’t put everything through my software the way I should have done.
I have an appointment with an accountant to get things straightened out but if anyone had any other advice I would really appreciate it? I don’t think there’s much else I can do now except hand everything over to her and let her take over - I assume I can ask her to deal with HMRC on my behalf?
I have diagnosed anxiety so I qualified for help from the “extra support” team who, to be fair, have been excellent - all credit to them especially on NYE when they undoubtedly have better things to be doing! | r/ukpersonalfinance | post | r/UKPersonalFinance | 2024-12-31 | Z0FBQUFBQm5teE5QY2ZwM09Sc2FIM2RLdTJrNUpKak1uZWN4UmItYzhhYWs0MXdtaWc0akIzNWRtNWxiRXdxVDZNdF9nTDFfeDVJOVMzWmdybHVEb3l0NVRDbk9Fal9PVko2eHFIOWNORms2aDhKZ3BTMV84Nlk9 | Z0FBQUFBQm5teE5QRUtaR1ByNjdyQ194SW5Pd3hWbzZmNUx0am0wUm1DSGVaODNaeHBBaWhMbU54cm5qX0R3anlfUko3X3ZRdTZLYnR3V3liaFpTMXU4Rmh2MEFhQWFpSjB3djJ2QmYzWU0tUDRWeFoxdHRrcDNFTFAwVkZaZU9KUnUyQ1ZONVBxZU4zNmIzVEhNS19fejR3S3BUcmxTRndreVVpeGg3YzVBSmJnM0NtaHR5dFJHQUtrMHI1amtUVWtWMWVQLVFCd2JB |
Now that the year has come to an end, how’d your investments do?
Did better than you thought? Have any regrets?
Plans for the future?
Here’s to an even better 2025 🎉🥂 | r/canadianinvestor | post | r/CanadianInvestor | 2024-12-31 | Z0FBQUFBQm5teE5Qd0VoSTM0blpEc0FqX0trcUk5ZEFMelNqR3M3Qzd2OVotMnNsZG4tekg2cmV2R2k5eUZwQVZrRVJNRkYzMXIyblNLeGlXNzBGa0gtWElnTVpjd1VZSWc9PQ== | Z0FBQUFBQm5teE5QTmZ5dUdDSkduTVpjYnQwdW85ZTNkUTVuQ2M2MnczWDEyZTRDZXYweGxyTFd6enJXV3poOXMydzZVQXVOZHRsaHdQakc3SWdlS2s0T25VTUxvbXZJZXpGLXRKZTZrLTBUZ3Y1UU9FM1A1amFqRE1ZV3ZxTzFMM0ZWRm1YNFlhb0c1aVVYSVA4aEZhVTB2eXVucmR2WGR2MXJaQUZuSDFuMUk0QlhLTnVGWVdMQTJSeVJnbzljQlJDYlNpdy01YkRa |
I just found out that you can have medical liens attached to your real estate investments. I'm only familiar with Florida. For example, discussed here: https://tejeslaw.com/can-a-hospital-put-a-lien-on-your-house-in-florida/
Given how unhinged our medical practice is in the US, I've long had a fear of ending up in a hospital with a $500K+ bill due, now this discovery just adds to the fear. It seems having real estate investments in Florida can make you a target. I'm going to see if putting them in LLC or some other option reduces or eliminates this risk. | r/realestateinvesting | post | r/realestateinvesting | 2024-12-31 | Z0FBQUFBQm5teE5QaDJMejJ5R0h3VWJDZk5NeTFMQmJpbVlSbDJITHRtbmFGTlQyVnF4Z3lJNGVzekx6QjNoRWNteGl4d0JEUG5BMDdzWmg1aXpSY3loeXR0VEh1Vmhpcmc9PQ== | Z0FBQUFBQm5teE5Qb0xzTGVrcFlpZHJva2NPckRLUVBoRGhJT3MzSUl4RkFLSDhPY3FiOGtBSHZzNWRxaHlMN1pPNkxpeHdtVl9WalpFQmZza0oxX2hvLUJSZHFNa0hMbWEyWHZ4TzhJVTVEVGh0OFhwdV9aeXVSZ1dBYWl1SmZETmJiS05XSWN3bUlLMVFVd2dHYnI3QTBfbjNmajlEUXgyWGtZdWVybTlnMnBNbTBsS1NVRlJUc0R6Q053VWNYSHNBNmg1U2dNUUoya3M1bnB1NzJiaVI3ZGJXU3BTSVd4alRrSlFoT3lRSUFxWHNOUWt6bklOdz0= |
Happy New Year to all, but more important we will have the extra room for us PFC folks trying to min-max their investments | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2024-12-31 | Z0FBQUFBQm5teE5QeThOUERmXzVNMExyMXpYdXVSbHdHZ0UzX28tS21oT0UybDJ4aFg3Qm9HdXA3c2J0bnNiNjN5UkxwX2VKV0tnQ2d2VnVzcVJFTk5pUF9wQk1vczhFUnc9PQ== | Z0FBQUFBQm5teE5QSU1hUEJFOEhyWGhDZXc5SFF0anc2NzB1WDY0MzAtSTZocXlTaXNqY3JuN2JxdTVMc2pwR3V2UnVpei1wNzJfUEFTZ1VuT213ajY3aXRjQTgzVmNPb3pQdmhsTktoZzdEcHdQMTNjaHFfcGJ1cnJpMWc3RVIwNUtSMnlPVC1OX0NPT2VyMUQwbnZmb1VyVkdEQ1F1dTA3eC1vaFF6bW05c3k0U0RfYURVNWY5QVhNa1k4bHRmZHd4aXQzT2k3c2JnYTBUSk1PMUJpMWJlUDh0T3RiM2tqdz09 |
It's been a rough December, for those who are results based peaked 251%, now sitting at 190% YTD. Cash is a position, been very tempted to cut some of my LEAPS, take profit on some big winners.
However, the Fear and Greed index is sitting at 28! This is the premiere time to get in on deals imo, this only happens 3-4 times per year even in 2022. The market in the end always rebounds.
https://preview.redd.it/d7bnrbl3o9ae1.png?width=1345&format=png&auto=webp&s=78f67f1b54d70f5fdf7a6190ba1c1ce2d4e28608
Selling now would be the equivalent of buying high and selling low, it can seem tempting now to cut and run but these are the moments when the best deals are around.
Never going to catch the bottom perfectly, never going to sell the top perfectly, market may decline more and as much as it hurts to see hedges kick-in and port ooze profits, selling now with FGI at 28 feels even more foolish.
Positions will consider: NVDA has CES presentation Jan. 7-10th, TSM will report it's earning's first week of Jan. and they always reveal early idk why, this should imo help the market rebound as we'll see the AI spending continuing full speed. NVDA and AVGO 21dte calls will be how I'll play the rebound most likely which suspect happens within next two weeks if not Feb. | r/options | post | r/options | 2024-12-31 | Z0FBQUFBQm5teE5QS1RmblNkSzNpbFNfTXk3Z25JZVl3UEFCQUtBWE1zQkxVZEx4UEs0UmdXLTJIZ0hfNERlRmhYT0NRY0RVVEJFNkRUcWdwaXlzQ3RFZ3JOTmdMbU9qTWVpOTE1NTFNV3BrSW10dVZhTTA0YUU9 | Z0FBQUFBQm5teE5QblViSkNkYU1ZdXl0enU4WDV0UFdOMEQ4R2l4VjZPd2dRc3VBZDhvR01ISXR3dUNHcXA4djVENEpDREVHYlNHUGlndGJ0SEZBTHJfUHVaY3M3UTIwd3p5WlcxVGJ5eUVnY1hVS1ZCTEFDSml4cVZhajljVG9WaFhIUzZiRHczbkdXT1R6Qk5Fa3JJUFZGRnhjWXRST1FWZ0xxY1NvLVBTVEZpQmh0SWNGemhDRFR1cEEtSVpBelBzZjFHeWlQdHFX |
I own Bitcoin, ETH, and a small amount of XRP just because I don’t know what else is good besides BTC and ETH.
I see everyone hating on XRP on here and why? If not XRP what else besides BTC and ETH? | r/cryptomarkets | post | r/CryptoMarkets | 2024-12-31 | Z0FBQUFBQm5teE5QamVnSmNHb1REYXpGUUY1SE5kZzJmQnVORDM2UU9wb1Y0Q3I3Ni1Md2RoR0kwSVBObkR5WUIwaWpxd2UtX0FEdUJtSnptTTdpajRxYXJ0RndJX1Q4R2JMeFAwQ3U4aTlEVXZySE1JOUx1VTg9 | Z0FBQUFBQm5teE5QTlh1TzdEdm4ybi1NNl9Yc1JDdkFwUkh5dkZDVmNNWm9NRUlpdDR2d0VYbHNIeE1pemJqMEVKbnFnc1UtOVA1ZmdNSzk3Nk5ZZ0tjaURYMUZQdGJWWVpEcjEtNVVDOFhZZE9vVk96bUZvQ0ZpQUFtWmhsYjFteFZEU0RNSktuSlhmQkNZa0xONzlleENWTHg2UmFHSF9xWkk1Mk5ReVJPZEo4RW1HWXptOWRaaklPUWJwdG8xZmZJa184RTlJV2VT |
Happy New Year! Let’s see how well you all did in 2024 with the incredible stock market gains this year!
For me: M, 33 yrs old, Single, no kids, I’ve been in the Military the past 13 years
January 1st 2024 Net Worth: $228,175.19
December 31st 2024 Net Worth: $321,680.07
Total Net worth increase: $93,504.88 | r/fire | post | r/Fire | 2025-01-01 | Z0FBQUFBQm5teE5QYlJTQnRmTDZiZEJTb29EOEljMFFiZkdJQmpYUU8wX193aXF2enp2Z0FVX1V3Ql9hd0tZY0diTEY5Y1dmWEE0YzFQV1M4ZTd5Z3huNzhUbzkwejhLZ2c9PQ== | Z0FBQUFBQm5teE5Qd2Q0ZFVLWnFwSFhYRlpuMm0tMU9aM3hiZG5SdkpwQ3FDS1JNRXVMNG9hcGQ0VGdSREZhVm9Edi1SbmZIT05Ub3JGVlFETzZ5cEFuYXk5RE81S0VLLTd2MTJOdUlUZU5GYzhqX0FRNVA1V2xIMk5Uenc4VEdydldIVWZIblBISGExRU12cFF0X0QxZnUyLV9LVU5NMEFzTzFxZjNzM3k4bGJKb2JPaERaVnVIaEY1VnlHdlZJT2NVX1JiczNRYTI3bXlhSVhqR3JNQzFyQmRtM0lBT3pDUT09 |
Here's a breakdown of how we lived frugally in Vancouver in 2024, spending a total of $32,035 for our household of two: https://imgur.com/a/kfVGxF4
Some key numbers:
* Housing: $11,112, $926/month
We rent a studio in a housing co-op downtown, walking distance to everything. As a result, our housing cost is low, along with transportation, as we don't need transit passes and just pay as we go (transportation spending = $524).
* Food: $5,822, $485/month
This was $780 restaurants and $5042 groceries. We're both vegans and I do bulk meal prep on the weekends. We also shop at cheaper stores and don't buy convenience stuff or alcohol.
* Entertainment: $1549, $129/month.
This was $563 video games, $487 concerts, $290 movies, $144 books, and $64 activities.
* Bills: $990, $82/month.
This gets us a basic barebones internet plan and two talk and text cell phone plans.
Overall it was a great year and we finished with a 65% savings rate, despite not having high incomes, living in Vancouver, and doing some pretty cool travel to Morocco, Europe, Alaska, and within Canada. | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-01 | Z0FBQUFBQm5teE5QYTFmLXhVaFh5dlFVYkVDZFlBc1V5b2taVnpkMzc3akdHMWIxYkh3SER1WG05YmlTQmtCU1dJV2ZGZG94eWpBUHBiQ1hvZm85X1BQZlI2ekdoaEpTWGc9PQ== | Z0FBQUFBQm5teE5QSFZBUHRxR0laNGl5R2FMUC1pLU9ZcXRlT01mLUhVLUlyYnplMFM4eF9KeHlIQlMzZDY4Y2dDMzBROWdzeFhtMVh3a05uVHNqX3R6V0pKLVd1Z0pZWkVOWDM1Yl94VlJZODVYd3J0UHhnaE5Uem9KR1lNYml6MnRqRTBRRE1sZW1sNTBHVWp5cEFSdDRQeXVpZjNnYlJvTmFaaXVaRFhkSGhDWEljeGppUkNHd1QwRmFvWjRzekN2ay1NaHg4UDJtSTd3ODJDMm0zNjR0ZUFWZGZla2ZuUT09 |
With the rise of ESG (Environmental, Social, Governance) investments, how do green initiatives stack up in terms of risk and reward? Is betting on sustainability a profitable long-term strategy, or just another trend? Let’s discuss how conscious investing could shape financial portfolios and the planet’s future. | r/robinhood | post | r/RobinHood | 2025-01-01 | Z0FBQUFBQm5teE5QZzlNZm1CVHpUWGNSb0c2cV9MNWxHa0RIS0xiWGRkbFZScWY4aVFDbEVSVWtvVExrY2hfM2ZLamw5TVY0S3h4Zng2S3N3dXBiUFJjWlpUeWJ5M2s1bHFYWG5BY0NQd0Npc21TdE9ESkIzdEk9 | Z0FBQUFBQm5teE5QaWktV3BVNnJKR1l2cFFMVUhRTVBCU1FXVEQwZlNMV013bGV3YWlKYUNudTdVS2FySXR0N1kwcUVreGFJWVN4UkNiOWc0QU51UVUtWWI3RkdzMTJFeTY0X2hpcXkyZDR6eWozVVhScW94VVRtNTE4M1gzSFdJcWQ1VWRrVm4tenlPRDhWbUpwdzBYci1uVzl3MXR5WGI2X0dQc1JvbWtMb05rbUdTM2NndHZmWXg4cTdLdFBCT29CTEQyTmcxREtGQVdoRnFPQmZudjFSc0JQS1ZhM3Vwdz09 |
I’ll be straight. I am a corporate executive type and make over 200K a year. I have three kids (10, 8, 6) and a family that has become accustomed to a pseudo affluent lifestyle. As such, I don’t really have a ton of savings other than substantial 401(k), which I do not want to tap into. So not sure how to transition out.
I feel like I’m relegated to waiting until I’m 60+ and starting a passion project type side business but would prefer to not end up this way and start something sooner. I feel like staying in a corporate job and having all of my experience in a corporate job has insulated me from any of the knowledge that I would really need on starting a business and boot strapping things.
Any of the business ideas that I have had are all basically plays on something that I’m passionate about and like, but intellectually/practically realize that these would be lifestyle businesses at best and not very profitable or extension of hobbies at worst.
Has anyone been in a similar situation and made the transition? | r/smallbusiness | post | r/smallbusiness | 2025-01-01 | Z0FBQUFBQm5teE5QUDBZS2wzM0txdXRoVXFtcG9KRHFQb3FjalFyMmtWamhmNlc5UExMLWF4eGZjdDFZV0Vad2wxdDd4aENWd0lTRXZVYTdNbWdVMzl2by1xMWloWWpSMEE9PQ== | Z0FBQUFBQm5teE5QRWY2MThUZldVQkZFMEQ1TERPU0x2RVJWaEYwSU52NzhBc3VLc0s2R1ZHVWtmZklpWXViTm1VSVZoZVdZYW4tTEFFNTJvdGdERGtvdXNzNmQ2RUJBUmJzbkEtMGNlYmU4aVJZRlBqZmFxbXJrb3VmY3V1bmhIcE9Nb0hTS0c0Rl9yNjMwV2RSYlFDRzVTc0ptcy1BZmlkcm5oTDhKSkphRFU0dzlIb0pDY2hfUjhMaFRhcUVMSDU0UDNhWWRudUhBODl1T0JYdWdPbExyMVVjbFpPd3RsQT09 |
I’ll try and keep this as short and sweet as possible as I know a lot of us are on holidays.
Starting with Kendu, I’ve been part of the community for a while, and it’s beginning to look like one of those projects where the chart hasn’t quite caught up to the fundamentals yet. It’s got *a lot* on the roadmap for 2025 but the two biggest things, in my opinion, is the Solana bridge and upcoming launch of the Chads Marketplace. The bridge is particularly a big deal because for better or worse most of the activity is on Solana these days, and making Kendu available on it will open up a market that it hasn’t previously been able to tap into. This is not investment advice, but it might be a good idea to pick up the token on Ethereum now rather than waiting for launch, because the price will essentially mirror the price on Solana when that happens. As for the Chads Marketplace, it will be an NFT platform similar to OpenSea, and will further help Kendu stand out from the vast majority of the projects in the space by having actual utility. These sort of things are what I meant by the chart not quite catching up to the fundamentals.
https://www.coingecko.com/en/coins/kendu-inu
Moving on to Ingex. It’s a zk-oracle project that I’m a part of that will generate a revenue share for token holders when the mainnet version launches next year. I’ve been posting regular updates about the project for months. There is a brief background about the project and how we're partnering with memecoins [here](https://www.reddit.com/user/lemond4455/comments/1fyecn4/a_breakdown_of_the_revenue_model_for_ingex/). Our first NFT set, which are the revenue-bearing tokens I was referring to, recently [sold out](https://opensea.io/collection/ingex/overview) and our final ever set has just gone live. There will also be a small allocation on the Chads Marketplace when it launches, but it’s part of the same set.
**To celebrate the new year, we will also be rewarding the next 8 holders with a distribution of our ERC-20 token (set to launch in Q1). It will be proptional the number of NFTs obtained. Once all 8 slots have been allocated, I will update this thread to reflect that.**
The set, which just went live, is available on the folowing networks (they are identical other than the gas fee to mint):
**[Ethereum](https://opensea.io/collection/ingex-standard-eth/overview)**
**[Base (lower gas fee)](https://opensea.io/collection/ingex-standard-base/overview)**
**[Solana (lower gas fee)](https://launchmynft.io/collections/GsLvoV3wnL7Lrgdkm9aJKG5kce4fJSQi4s5oL3iDe1u7/E9rk9sZahEy9HEuGnR8a)** | r/altcoin | post | r/altcoin | 2025-01-01 | Z0FBQUFBQm5teE5QQ0F4S2pLMzBiSFdCOXJTQXlfdmV4clZzUktQaU4yMXpqcllrMUlEX242UHlXMGhhNGxFeWN5dnhhMnJiZUU1cDFLbmpXajlrMF9XRDByRzN6Mi1wb1E9PQ== | Z0FBQUFBQm5teE5QZ3VXc1M5bHZDQ0tESldfYUdlNGl3TWVweVhUMl8waEpILXlldnlKNDRsVy1fOVVvNDZkd1RVYVRJWjN2X2w3ampaNkl4UWphTV9QR3FrQ1E1R2tWb1QxMVVua3JyOGcyLXJlZjlDMFpub3JnWG1LMWs4eS10ZTBRMWZ3bHRnZjh1aWw0cjEyNGdnNEJaS3IwalNxSWxjWE5kbVhSSkVCa25LQU9IWS1HcEdXT2xmLWFaZmdwaUtRQW1sLUFva25qSEZtOVhvMVpma0RqRzllLWZXQmRudz09 |
I’m very grateful for you all. Happy New Year! | r/fire | post | r/Fire | 2025-01-01 | Z0FBQUFBQm5teE5QNDc2aTMzLXIxTmRleW94MF9fZVQ2MUtLS0JBd3cyU0ZBLUwwdUh1LUo1MkhpMldFcHNyajFXNVdVZGVPUUZYbkk2cTFPRTdRU2FRN2laSWpJc1paQVJvZXVocU1DblJpWlVSNG55cjF4MGM9 | Z0FBQUFBQm5teE5QLVVyRWFUYndrM1pCSXdGMFYxdjZucXRIa2VwRkh6SkZva0I1SkVlVUxtZjVva01ZVTFVZF9ySlNKbTU4dnROYkJFQVdJcGVLMXR6enk5SnlfS1BnMFgwSGdqb1NObjFLbUx2WU1lcGZQTVdnbFpRb0hKS0t3NFZGYWFEcUpLc25uQXh4TnlXWmkxMV95eEw3UnBpTFJOSDBDVnBjMXR6SktaZTlIY0NKLW84anFMWmxWelRaRW9jaFBmUEdqNVpE |
Hi everyone,
Welcome to our monthly megathread! Please use this as a space to generate discussion and post your frugal updates, tips/tricks, or anything else!
\---
**Important Links:**
Full subreddit rules here: [https://www.reddit.com/r/Frugal/about/rules/](https://www.reddit.com/r/Frugal/about/rules/)
Official subreddit Discord link here: [https://discord.gg/W6a2yvac2h/](https://discord.gg/W6a2yvac2h/)
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**Share with us!**
· What are some unique thrift store finds you came across this week?
· Did you use couponing tricks to get an amazing haul? How'd you accomplish that?
· Was there something you had that you put to use in a new way?
· What is your philosophy on frugality?
\---
**Select list of some top posts of the previous month(s):**
1. [Frugal living: Moving into a school converted into apartments! 600/month, all utilities included](https://www.reddit.com/r/Frugal/comments/y8v1gk/frugal_living_moving_into_a_school_converted_into/)
2. [Follow up- my daughter’s costume. We took $1 pumpkins and an old sweater and made them into a Venus Flytrap costume.](https://www.reddit.com/r/Frugal/comments/y4wu1p/follow_up_my_daughters_costume_we_took_1_pumpkins/)
3. [Gas bill going up 17%… I’m going on strike](https://www.reddit.com/r/Frugal/comments/xznnut/gas_bill_going_up_17_im_going_on_strike/)
4. [I love the library most because it saves money](https://www.reddit.com/r/Frugal/comments/wc2qmp/i_love_the_library_most_because_it_saves_money/)
5. [We live in Northern Canada, land of runaway food prices. Some of our harvest saved for winter. What started as a hobby has become a necessity.](https://www.reddit.com/r/Frugal/comments/xamyeq/we_live_in_northern_canada_land_of_runaway_food/)
6. [70 lbs of potatoes I grew from seed potatoes from a garden store and an old bag of russets from my grandma’s pantry. Total cost: $10](https://www.reddit.com/r/Frugal/comments/vfyf0d/70_lbs_of_potatoes_i_grew_from_seed_potatoes_from/)
7. [Gatorade, Fritos and Kleenex among US companies blasted for 'scamming customers with shrinkflation' as prices rise](https://www.reddit.com/r/Frugal/comments/valzm0/gatorade_fritos_and_kleenex_among_us_companies/)
8. [Forty years ago we started a store cupboard of household essentials to save money before our children were born. This is last of our soap stash.](https://www.reddit.com/r/Frugal/comments/v8ovy8/forty_years_ago_we_started_a_store_cupboard_of/)
9. [Noticed this about my life before I committed to a tighter budget.](https://www.reddit.com/r/Frugal/comments/uhpq39/noticed_this_about_my_life_before_i_committed_to/)
10. [Seeds from Dollar Store vs Ace Hardware.](https://www.reddit.com/r/Frugal/comments/uw6bd0/seeds_from_dollar_store_vs_ace_hardware/)
11. [I was looking online for a product that would safely hold my house key while jogging. Then I remembered I had such a product already.](https://www.reddit.com/r/Frugal/comments/ttu17u/i_was_looking_online_for_a_product_that_would/)
12. [Using patterned socks to mend holes in clothes](https://www.reddit.com/r/Frugal/comments/tgpqqj/cheeky_and_practical_anyone_have_a_success_story/)
13. [My dogs eat raw as I believe it’s best for them but I don’t want to pay the high cost. So after ads requesting leftover, extra, freezer burnt meat. I just made enough grind to feed my dogs for 9 months. Free.](https://www.reddit.com/r/Frugal/comments/td9nch/my_dogs_eat_raw_as_i_believe_its_best_for_them/)
14. [What are your ‘fuck-it this makes me happy’ non-frugal purchases?](https://www.reddit.com/r/Frugal/comments/suqy2v/what_are_your_fuckit_this_makes_me_happy/)
15. [Where is this so-called 7% inflation everyone's talking about? Where I live (\~150k pop. county), half my groceries' prices are up \~30% on average. Anyone else? How are you coping with the increased expenses?](https://www.reddit.com/r/Frugal/comments/sy7xn6/where_is_this_socalled_7_inflation_everyones/)
16. [You are allowed to refill squeeze tubes of jam with regular jam. The government can't stop you.](https://www.reddit.com/r/Frugal/comments/t8ct5r/you_are_allowed_to_refill_squeeze_tubes_of_jam/) | r/frugal | post | r/Frugal | 2025-01-01 | Z0FBQUFBQm5teE5QZWdFQ2JOTW94NXE1ZkZhRjBPYzRQQmlrYWdPUFBSMW9VQzlPSHRuaW1xLTcxekp2dm9QSFhIZzVMNTNFZDdPTUZibnVuV2ppN1FYRlBfRHdfSEVfZEE9PQ== | Z0FBQUFBQm5teE5QUEpaTFpHVkFEVmwtdGpFaF83N2IzaFFWbkhMTzJfSVZIdkdEZ0tCblpRTDVCMzllSXJhOGxRRzlDcW9hVnp5NTZETUlMMVE0cGlJeERtWnMycWEyNTBUUnFkZlZTYklBNEVKLTVCTHVzaEhYM0E0dVZmejVzZ3lreTlZT2s2U2pJUVk3dEhZaFY3ZllSY2NiVnpURzdOeEZDX0JMMkJVWUJvcVhSNEhHU18zRFJxbVZyanBObGk2bzJRc3Zjamlr |
Source
https://m.youtube.com/watch?v=JbYzs816Lp8 | r/btc | post | r/btc | 2025-01-01 | Z0FBQUFBQm5teE5QN1lDV1AzMk9TdGxsX2ctSTIwVm9BZ0dIc2JUXzJjQmc1aml0V0Z0bG9Uc05FUFI0d1ZvM2tjbXFSXzJkaUx6Z09vRmtBQktTYUpHSnZzYUJmYjlUN2c9PQ== | Z0FBQUFBQm5teE5QeEVHcEI3RDd2T1lVNXd1bW9KN3FwTUpWdndUU1huOV9jSjNRdEUzZVNZNUprRjgxaFFvQ2VfZksxTWJ5R09UZzhqUUJJTXhrVGMyRENPRTRkS3RZaFNqU2tHVkF6WXNCN21ORlAwSlJxdEVUUkxjTDZVbFMxY3pkcW5NakJrR2RmM01LdUNwNFgzVjc3OXZ2U2VtZnZLRXdZcTF0Zk1PQ1FsVkpfNHFsT0Z4YU1ORkdHRDVsNllfM3psOHJLMHM5 |
r/solana | post | r/solana | 2025-01-01 | Z0FBQUFBQm5teE5QWGRPS19wYVQtc0l5MmsyeDg0bjloYlphczVTa2JHcXVROEZhZlJ1ZDdIRW1QQlN1Z1hTWjFTWDYxaGdJa0pnbTBuS0xXYmJSVHU2azR6R0sxVU8xeXc9PQ== | Z0FBQUFBQm5teE5QRDE2Z1U2YXM2aWZDQlZaNnNySlpITnNBdUR4eDV2Z1VmZWlHWk1Ja244MzRXcUkyaXhoV1BNYXBiaWMyOFNHdTRiT2d1VDJYQTdVQXRTVG5Nd3FpbkItbXROanFpaWEyX3FjSlFIZ0pmVWdickVzQURIR3BYZzlvSThvaXAza2hwMzFVaDBveHNUa1U4TzVhWkZvazEzcE1JQzdIWkVtSjQzMDBsODAzbWI4PQ== |
|
Please use this thread to discuss your portfolio, learn of other stock tickers, and help out users by giving constructive criticism.
Please share either a screenshot of your portfolio or more preferably a list of stock tickers with % of overall portfolio [using a table.](https://www.reddit.com/r/YouShouldKnow/comments/y37p6/ysk_how_to_make_a_table_on_reddit/)
Also include the following to make feedback easier:
* Investing Strategy: Trading, Short-term, Swing, Long-term Investor etc.
* Investing timeline: 1-7 days (day trading), 1-3 months (short), 12+ months (long-term) | r/stockmarket | post | r/StockMarket | 2025-01-01 | Z0FBQUFBQm5teE5QeDdKbmsxZ2lOTG5MRnQxeU5kVXJXTTc5TUxTR0ZESnYySElabGlJVFlkS25hMzdBaWE1elBxSERyZ0NjWmxQQm80NUtCS2lJN0V1Y21ya1pNOG5DY0E9PQ== | Z0FBQUFBQm5teE5QTUl6QUtDN1otQmZYcUpBQ3BSVVNRVl8zUkg1Q1VHWjdiZXRiQ1UzTmN3Vl9FVF9TZjVlVFIxT085a3pQQWtzd3BEbGFPendQZkF6X1k0Rk0za3dyaEJFc2N0ZjJjbk5zTzVhcFBxWFJhZ2dDcFlQbHdwd0hIdU80OXdRRklUTE9iNVgwclFfY2J5OEdJQ2tqcnZ6SlRGb0tuM19NaWM2MTgwM2xRTWNqZEVMSmw3b3lrYmpDSUFBZTA0U3ByVTlqU0l5ZTBLb2tlTkExaHBxc2hCdklBQT09 |
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!
Have a look at the [FAQ](https://www.reddit.com/r/financialindependence/wiki/faq) for this subreddit before posting to see if your question is frequently asked.
Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. | r/financialindependence | post | r/financialindependence | 2025-01-01 | Z0FBQUFBQm5teE5QSGdpdTRuTlliYTRLUk1KM2FMd2tzUGY4dFdKeXJmWFVtNS14REQzUVhpRXRsY3E3eUFuc3dUZUo1T0NQZW12djZZY3lweDRvZXB3LVQ3QkFtZWJNQXc9PQ== | Z0FBQUFBQm5teE5QbjZGZ3RSaWNOVnhfSF85NjJKZTVaX3BWdVBHYlpVZkFQbGZycE1nRHUzazdZQVN3MUsyMkMwZ0IwQlFuVm9reHg5azcxdnhUWHVOTV9OckhIdEE2bFc3bEVueGxQcTJRWHFrYjlzZ05GUEQzaDV1YlI4NGpESzRVZkVrSnBjM3pmNHctRFBKM2lSU1B3NFlLZkpjNjJVTHFUdUx1UjRIV2NJUXI4UjNBbmQ1b2RzVUQxeTRlN0FUUldGcVAyYlRhSlVJbFgxbDNJalR1c0pKMWVTb0ZkVWN4ZnpCRUhMb1NiRkxKbGdSMHpCST0= |
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| r/monero | post | r/Monero | 2025-01-01 | Z0FBQUFBQm5teE5QM0w0NjBtNmUteG9SNWYyMWZCeEM1dVJsNkpRZkdZTWpMb3pSYmFwcW1pTG9seVBYdjV6cVNPeDNBczdrRFZGTXlJQ2g3OFlpLVRabE1janJ6cXp3UkE9PQ== | Z0FBQUFBQm5teE5RQ0wtWHJzN3dlWVFKcWFkOUtuVndTRUcwYUdJWGxHaWc0eTRrWDFxUV9VQWtpUUpJQ1RDMDRuT0xlaDNhVTJYOW9hOWdZZUFDdVpKTnlKT0xzTVh1cU5CZVVFa1RMb0c3MXBHbTdRZUZid2w4Z3ltUG5DUHpCbkc1UHM3MDV1VWhNbEZHVXVObUNSSjdOYkx6YTVYX2t5bGNRTHc4ZkNTZUdrVW1qOGFQNnl1c3pyZDljcHEyQ0tpbG8wdndoZERG |
I checked my online banking yesterday and my ISA funds are just… gone. Zero balances on S&S and cash ISAs. It appears that my S&S holdings were sold on xmas eve. It took a week for the sale funds to come through, then on new year's eve the full balance was withdrawn. I didn't authorise any of this.
How can this happen without flagging as possible fraud? There has been no contact from my bank at all. Ironically, I actually tried to transfer the balance of the cash ISA out to Vanguard a few weeks ago and my bank said they weren't able to verify my signature on the paperwork and I need to go to a branch with photo ID!
I spoke with customer service last night who told me the last 4 digits of the account the funds were transferred to. It is not an account of mine, not is it any of my payees. Again, how on earth is this possible?
It is not lost on me that both transactions occurred the day before public holidays when customer service is not available. I'll be calling again to speak to the specific team that can help tomorrow. The person I spoke with yesterday was just able to add notes to the account rather than take any action.
I really thought it was going to be some online banking glitch at first but my holdings are sold and withdrawn. How on earth can this happen? My phone has not been out of my posession and no-one has access to my laptop, which needs a logon code from my phone anyway. I've had over £80k stolen from the looks of things. Please tell me this will be OK in the end and my funds will be returned within ISAs. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-01 | Z0FBQUFBQm5teE5QR0h2N1M3cUh6Zy1PMjVIU0I2VEVEOEFBY0NXQWFyR1ZxSHl5VlFCUHhCVW81UXRkcVhSVjhCUURfQmNlby1oMW80UFlPU2FfRG1lZk5hcVBzNEpGMnpZOUhOR29NLUI4eEVGbzBadm5neVU9 | Z0FBQUFBQm5teE5RRkg0eC1TM0kzLVR6d0xrcEtQSzBoS3VvbDR0dFJ1MXF0U0dkY1JzZjQxcGsyLXdiNndXVlZTdmxaX1M5bnpMTExRaTEtb1h6dGEtSTJZUnVVbGxDSWtGcjU2b1hiNFc1dzJtT0dsQnhHN0k2eHA3MW80YnhrSThjMVBkdkNoY0dldFBweWJLY2gzVXlxWmlQbzA0WW5XanNvUFhQLWg5TEI3WWVXODZtWHBpOFpZRmF0S01zYzdFOFdlRGQ2cE5S |
Will the 21x digital assets market increase the volume on ccip and therefore the fees revenue ? | r/chainlink | post | r/Chainlink | 2025-01-01 | Z0FBQUFBQm5teE5QMU50VjRjTE5CX2UzQjUwSVhYRjVvMnlKMnEyTWFQVndoMkRULVNYcm1rQ0NwODFpMmRGbllJSXhwUlZQQkxtSVZ3UlhNaW1QNnlvdTBRbkRNTnotM0E9PQ== | Z0FBQUFBQm5teE5RbF9MZkRRa3o2My10by0ta1JSSDBLbDdsRTFBUUQyMmI1OVNRa3JJOVpUQ08wNGs0Nmh5N1VSbUROc29KY1N1RjZwajd1MUMtajZxdkdnLWJWc3hxb0czTndDN0FlZlg5NzV3YTRHZEJJZi03OElKZ3MzdlgzRXBjcmp1ZkdMWExyV2hnbVRGckl6bHRJaFhONF9XYjVYTzNTWUI2NDdCb0lEakpMbmFtVjFzPQ== |
## Join Robinhood and get a free share!
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## Important Links
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- Contact Robinhood: https://robinhood.com/contact
--
^Standard ^disclaimer: ^The ^content ^in ^this ^thread ^is ^for ^information ^and ^illustrative ^purposes ^only ^and ^should ^not ^be ^regarded ^as ^investment ^advice ^or ^as ^a ^recommendation ^of ^any ^particular ^security ^or ^course ^of ^action. ^Opinions ^expressed ^herein ^are ^the ^opinions ^of ^the ^poster ^and ^are ^subject ^to ^change ^without ^notice. ^Reasonable ^people ^may ^disagree ^about ^the ^opinions ^expressed ^herein. ^In ^the ^event ^any ^of ^the ^assumptions ^used ^herein ^do ^not ^prove ^to ^be ^true, ^results ^are ^likely ^to ^vary ^substantially. ^All ^investments ^entail ^risks. ^There ^is ^no ^guarantee ^that ^investment ^strategies ^will ^achieve ^the ^desired ^results ^under ^all ^market ^conditions ^and ^each ^investor ^should ^evaluate ^their ^ability ^to ^invest ^for ^a ^long ^term ^especially ^during ^periods ^of ^a ^market ^downturn. ^Have ^a ^nice ^day.END | r/robinhood | post | r/RobinHood | 2025-01-01 | Z0FBQUFBQm5teE5QZFE4dW1rRXJjRFVUMi0zZUt2Sk1ERUlTc19OQk55bnN4eFljQTZWTklxNDRUbHVuLVJZVHJaTjZyY09YeTJMWGszRXFqUDh5aFp4VzM1THh2UGpFZGlUcF9leHlKOTNpaUgyYUJsVE93R2s9 | Z0FBQUFBQm5teE5Rb1pLS3ozMmN5ZWo4SVJSUzJFOW9EODJPdDJrckRkaEhCZHh4QTVsenZvMGNaWW9hNlNZYTAxaHpWUFAyNDBpMWQyeXZsQjl4UUl5NzFvcFJHcmthUGthU21reTEyUTZvM1RQeUNlNGY5VnZiR3VNMDNzdjZXMmRFWWpJTXB3Vk9BQkI2N2dMQjlCdnZKWEt6MjVFVlRLalFYSjJ3VmFFMHN0cFJNM1huWWVKd0lOU3AwOXNqTG43c0dxenBreGNV |
Note: Do not let this post be the only or the main reason you invest in XLM, this post is just a discussion for people like me who see a good future for xlm to discuss recent developments.
In 2024, XLM saw huge developments and among those developments are the lesser talked about developments like Chipper Cash and OwlTing joining the ecosystem. So I will shed some light onto what those two companies are.
1. Chipper Cash:
To start wjth the bigger of the two, Chipper Cash announced their integration in October. Chipper Cash has a large user base of approximately 5 million and they are currently operating in countries such as Ghana, Rwanda, Nigeria, South Africa, the US and the UK. Since this integration is very new and fresh we will see the benefits of it in Stellars Q4 press release. This rapidly growing company will give us a much stronger presence in Africa and already our presence has strengthened through the current user base. They offer access of the virtual dollar and are one of our anchors. Personally, I'm very excited to see this company grow on our blockchain and I'm very excited to see adoption take off in Africa through this partnership, they still have a lot of growth to go!
2. OwlTing:
Though not quite as big, this is also another company that integrated their wallet in the second half of 2024, this is a Taiwanese company so that's already exciting how we are increasing our presence there. They also have a presence in the US where they can serve corporate customers in 46 states and individual users in 28 states. In addition to Stellar, they have partnered with money gram and Visa too so clearly they're attracting eyes from big players in this space and they are by no means a small, insignificant company. We will also sss the benefits of this integration in Q4 press release. OwlTing has been hailed as a very fast growing company too.
"Going forward, OwlTing is well positioned to become one of the Stellar Anchor Directory members. Through this collaboration, OwlTing will join in the efforts of building a global network with Stellar ,empowering users to access cross-border payments with a compliant and ready-to-use solution, and to explore the possibilities of optimizing payment flows in the Web3 environment. " - Wang, CEO of OwlTing.
Certainly OwlTing has a lot of plans for this integration and watching this company closely and how they evolve will be beneficial to us as holders of XLM. | r/stellar | post | r/Stellar | 2025-01-01 | Z0FBQUFBQm5teE5QZ2FRWV9MNEJKaERCUXViZGJweEpKcUhaVnBxbU5SR3VXeEhDaGRZZU1MZnR2cXU4cGFwMVZmSTE2SjlZM2Y4ZFJ1WmxGdFhTdExjNGlvQ0ViZzUtMGc9PQ== | Z0FBQUFBQm5teE5RNWVvSmZKY1NFbzdTWWduSkxmLUktU2VHYTI5VFhyTXVjX3U4ZkJNbmRTaTVoMnRZWUtQYi1PY0h5X2ZzaWpVN2RTUEp5UEJVVkpyR1cxSGpVQ3NvMG42eXJMNDI5OG5NenRDdkV2NlpVRENaVWtjTzVRNUx1R0c4T0tSTHQ4bHJiZ0hOTm9SQjZjd0FQYlB1ay1LR2hMLVcwamRlUllNZ0VnRlVFSDEybUVjPQ== |
ANARCHY IS UNLIKE ANYTHING YOU’VE SEEN IN CRYPTO.
This isn’t some recycled meme coin with fake hype and bots spamming comments. ANARCHY is 100% real, built by a community that’s loud, relentless, and absolutely unhinged (in the best way).
Telegram? ALL CAPS ALL THE TIME. It’s not just a chat, it’s a movement. Everyone’s working together, hyping each other up, and pushing this thing forward like their lives depend on it. No fake engagement, no paid ads, just us.
WHY ANARCHY IS DIFFERENT:
🔥 DEV WHO DELIVERS: Same guy who built $Kendu to $300M ATH.
🔥 FAIR FROM THE START: 55% of the supply burned at launch. No whales (max wallet = 3%). No bullshit.
🔥 REAL PEOPLE, REAL ENERGY: Go look at any ANARCHY post, actual comments from actual people who are all-in on this project. No bots, no insiders, just pure community power.
🔥 GROWTH YOU CAN SEE: Every day, new holders are joining because they see what we’re building here.
ANARCHY isn’t about influencers or marketing budgets, it’s about US. The community runs this show, and we’re proving that nothing beats a group of people who actually believe in what they’re building.
If you’ve been rugged or scammed before and you’re sick of the same old crypto garbage, this is your chance to be part of something that’s real. We’re not here to mess around, we’re here to take over.
👉 TELEGRAM: AnarchySafeZone
👉 CA: GYPxyPtu6g1NmnEPPkTcCdSZz7ZMs6A1S3wTjnLdpump
JOIN US OR WATCH FROM THE SIDELINES WHILE WE TAKE THIS TO THE NEXT LEVEL.
https://www.coingecko.com/en/coins/anarchy-2 | r/altcoin | post | r/altcoin | 2025-01-01 | Z0FBQUFBQm5teE5QR2xMVnRod3pWNWVHcWlBbVlXaldRbDZZOUk5NXNMZWh0SUg3VENhVkZnNjZORktrcVNuRHltaWlyeW1IZ2FKWG5zNFNVOXBLZDM1LXlnZ3B0MlRxc2NjdWw4bXdNWFBPdV85RDRfWEdYbDQ9 | Z0FBQUFBQm5teE5RZndEdDFSOFRCOFBXVHN2REEwVktXTG9TV0FlaXF4M1JvVS05by1vRVZiVlBkR3RyeGhlQU53bHlkR1lFaGQ0NEF3SnRFWVN3WC0td0FndWUtcHMzZVRiWGUwTXB1Y0V3Ri1RdEVPYVhTd1lDQ0FSVDJTWGxQZENmcUNfX2VtMk9KVzR3UUZWanQ5cVFIZ0l1N2owV1JJN0NIcEg1b1NVUkpKekZHRjZpZEhYRUlnRUdmalNWbWRhOEd5UTNIR2puZnRtWHJORExMRnF5UTk5NVVBaGtlUT09 |
This is the Protein Plot, a tool to help you identify cheap protein. You can use cheap protein as the driver for cheap food
https://preview.redd.it/sv6dcw2g5eae1.png?width=2100&format=png&auto=webp&s=a32676c1b330374d987cb5288bda17085cc2f9a8
# How I got here
So I'm putting together the grocery list for the billionth time, or else wandering through the store for the billionth time, or sticking my head in the fridge for the billionth time. What to eat? What to buy? I know there's a tradeoff between good food and cheap food, but I also know there's some food that's both good *and* cheap. But I don't know how to figure it out, so half the time I just grab something easy - in other words, neither good nor cheap.
With the Protein Plot I know what's good (or at least what's a viable protein source) *and* cheap.
I collected the prices and Nutrition Facts of a bunch of different foods. I calculated two numbers: the Protein Price and the Protein Percentage. Why those two numbers? Because *if you get enough cheap protein, you'll get the calories and fat and carbs for free*.
# How to Use It
The goal is to get the *highest Protein Percentage* (further to the right) for the *lowest Protein Price* (further down). Use the plot to train your instincts and figure out which foods make the best building blocks of a frugal meal plan.
* The cheapest sources of protein are peanut butter and chickpeas (about $1.70/100g). However, they are also low in protein percentage (peanut butter: 17%, chickpeas: 35%).
* Brown Rice and Ramen have almost no protein, but they're still a reasonably priced source of protein because *they're so cheap*. Ramen protein is actually as cheap as black beans - it's just that you get a ton of carbs and fat along with it. That's why I say you get the fat and carbs for free.
* Greek yogurt (70% protein, $3/100g) is a much better protein source than a protein shake like Huel (40%, $6/100g). I mean it tastes like chalk, but that's not quantified on the plot.
* Pork chops are better than ground beef.
* As far as dry beans go, chickpeas are a little better than black beans, but they're close.
# How to Make It
I gathered prices and Nutrition Facts over the course of a couple years. I live in North Dakota and shop mostly at Sam's Club, and I gathered these prices mostly in 2022. Your mileage may vary.
Formulas are pretty straightforward:
[Formulas for Protein Density and Protein Price](https://preview.redd.it/gv8mb3c61eae1.png?width=1196&format=png&auto=webp&s=dbe9a49a28d780c6cedf9797f0161fd6a6c2ae43)
(LaTeX code)
$Protein\ Density = \frac{g\ Protein\ per\ serving \times 4}{Calories\ per\ serving}$
$$\ per\ 100g\ Protein = \frac{Container\ Price}{Servings\ per\ container\ \times\ g\ Protein\ per\ serving}\times 100$
# So Yeah, That's It
Is this useful to you? Does it make sense right away, or does something need more explanation? Are there some specific foods you're interested in seeing on the plot, or different ways to look at it? Feel free to let me know, I might get some time to update this plot as I go along. | r/frugal | post | r/Frugal | 2025-01-01 | Z0FBQUFBQm5teE5QNjhOalNzdURTbEtibEdNQ24zdlRaa3pCTEJIZnFpMktFUF8zUktsV2ZjSWJNM2xNVEJ6ZWZlaG95VzlzSnozbnlpdHBSS1FMeWJjYjJjZk9QcHpuRWc9PQ== | Z0FBQUFBQm5teE5RR0pnaWJkY3NGV0RPMmowQzhvd2hCYzB1T3ViZkhTaXdoZ1ZKQm1LV2dYQ1JyMnFWMFpXcTU4ZlM2RzFrTC1yRks2YjEzM3cycTMzX3h6SVctQU5PNzRkay00UkRzS3BKbjNEMUVZZm5XVGV5c2JZdGpFVU5hYlhpTjFsQTRLTVQ4ZlR3eEM1WkQwSzZRZXRkWTZ0bi16OUNhM3FxX1VWMUlQZzlZQUMtRUQ4ZGhFdXhxZFZPck8tMU03dEhJV3ZPWmo4UlZGSElVQUVxVC1KTnVaTmNxQT09 |
Alright holla 😃,
Those corporations won't get another dollar out. Of me.
New Year's Day. Day off from work. Cancelled my subscriptions.
30 bucks for bumble in ireland. For one week. Better not to use that. I've been thinking of going running or boxing in the evenings. Boxing I hope the gym does not sparring. | r/frugal | post | r/Frugal | 2025-01-01 | Z0FBQUFBQm5teE5QN0N0Q2RrY2JVXzA4bWZCY3hZYnhZTDl4T3FCSEdTUG9lS29jUzNpV3lVUEdvQ1lZTUtrOTE1SU1YYjlzZk1OZzYwOUxVZ25leVIxeHdaQkxEanBZeUE9PQ== | Z0FBQUFBQm5teE5RdE1FMDN3T293ZTBESHRIQ3JMUmNzME0yTHBuWlRzRkdzTlFSOGJRWGQtYVZGbjRDdldHRnhRbldCRFBTeVFocFV5anhDQmdPdGlicUIzYjA5dENCZ2lQMkZTUjh6UE1mbkhpY1hpcV9uc2xyZVhrWTVBZ2c0ZTA2VjZBWlJJRTEzYXl3WnZibkt6RlZ5TERyV1F5QWRNY1ZTV3ZtMnp0QmJLUFpSRFBJSEJFNkpwT3BHUnZUMHJ4RXNFMXZNV2NT |
My Background:
* PhD in Biomedical Engineering (signals analysis)
* 13+ years Python experience
* Career focused on signal processing, AI, and deep learning (RF signals & medical imaging)
I've dabbled in stock trading, mostly following friends' picks with decent results, but I believe my technical background could be better leveraged. Recently started exploring algorithmic trading through Python's bt package and QuantConnect.
Two questions:
1. What's the recommended learning path for someone with my background?
2. Any experienced algo traders interested in collaboration? I bring strong technical skills (signal processing, AI, programming) but need guidance on trading domain expertise.
Would love to connect with someone who has complementary expertise in trading strategies and market mechanics. Let's build something interesting! | r/algotrading | post | r/algotrading | 2025-01-01 | Z0FBQUFBQm5teE5Qa0VrZk1tRnpOWW83V0ZGYVB3bWhITnRhc0FtMm1qZVFoYjVmRW03dTA5eDV5VzRFbmp6YWNJa1lUdnBDazRTSWp0TTZWaTlORTFHQXZrbkJXd3JWTnc9PQ== | Z0FBQUFBQm5teE5RSUdrcTg3b3F0RDBaemlFdjBjeEQ5dGEyMnlTX2Nid3hONHJ5TS13S0FqOUp0M3o2NkhFbmNaUkJnODQtZklVSERRdFN3M0t0cmJabnpNYk1lajJTcGM1RDU3ajBKOUFVMHd1dkZQdmFtLTB4VGRWWkVHX2UxT3pUYWZXSHV5M2gzVUZMMW9kWmZPR0tOQVBjUlVMR2I3bnplNVRzUVNfSUJsV0tWUmZ1aFVTYU5Dd1VYYlQ4TlQtemVsVmlYS0ZxTjVfd3JIRlFDX1pmeTVSRnFBX0xQZz09 |
Long story short, I have been reading a good bit over the past month on getting started in real estate. Most of everything I read is about getting started at young age and building portfolio and leveraging loans to do so, and then expanding from there.
In my situation, I am a high earning W2 employee and am tired of this grind on a job I really do not enjoy. I have been relatively frugal and directed majority of income into retirement accounts, mutual funds, kids 529 plans etc.
Assuming you had 250K to start, and expectation of of 150-200K of additional cash annually that could be directed toward real estate, what is your strategy? Since I am a novice my conservative thinking has me set on starting with one long term rental property in my area (Baltimore suburb) to learn, put in a large down payment and ensure positive cash flow and expanding from there.
Is this the move, or should I be thinking differently from the start?
| r/realestateinvesting | post | r/realestateinvesting | 2025-01-01 | Z0FBQUFBQm5teE5QLUlPVHU3dXNWU3Awd3d0UW05NlVRcmNIazlJRHpiRWRQTlZqSG42V0NZVUF1bVZHdUgzWkdIcGhGU3N0M1p6NFZJRW43bGFMbUtQVE13c2pISElKVUE9PQ== | Z0FBQUFBQm5teE5RZndQczZnNmVYYnNqWWFfMHZpWE9xU1ZnLWUyU093Zm1jQU5Sa3laQVZ5WmdEQUIwSDV6ZzBudDNaMV9wbHRTS2Y4aDFBd1EwRVlLLV9sU3hqaFdRYXEwTEVCbnFhMTZnUUUwUV9Rck82MnRUbVVYbEowUEhxc0ptY2pvcUd1SmtoSDJhWmNtMjd3TUhCMGIwd1pFdnlmdGVac2VkVEY0ajh2ZS1ZZFNuc1VoNXloY0xmblBDMHUxM01MZmNuMEJnZWx6VW9KdzBLbHFsNVJGRnYycFZuUT09 |
**Welcome to 2025: A New Year of Safety and Awareness in the Polkadot Ecosystem**
As we step into 2025, the Polkadot Anti-Scam Team reaffirms its commitment to protecting and empowering our community. With the start of a new year, there’s no better time to refresh your knowledge about staying safe in the crypto space.
**Looking Back at 2024:**
Last year, thanks to your vigilance and collaboration, we made significant progress:
* Protected countless users by taking down hundreds of scams.
* Educated the community through detailed guides and resources.
* Strengthened our reporting tools to ensure a seamless experience for users.
**Our Mission for 2025:**
This year, we aim to expand our educational efforts by sharing even more tips and insights to help you spot scams before they happen. Together, we can continue to build a secure and trustworthy ecosystem.
**Start the Year Off Right: Top Tips for Staying Safe in 2025**
1. Always verify before trusting. Never send funds or personal information to anyone without confirming their identity and intent.
2. Use only official resources. Bookmark [Polkadot's official website](https://polkadot.network/) for accurate and up-to-date information.
3. Beware of impersonators. Scammers often create fake accounts to mimic team members or well-known community figures.
4. If it seems too good to be true, it probably is. Be cautious of unsolicited offers, airdrops, or giveaways.
**Learn More:**
Check out our educational resources [here](https://polkadot.antiscam.team/) for detailed information on staying safe and follow our [twitter](https://x.com/DotAntiscam) for the latest updates. We also encourage you to share your insights and tips in the comments to help other community members.
Let’s make 2025 a year of growth, innovation, and safety for everyone in the Polkadot ecosystem. Together, we’re stronger.
Stay vigilant and stay safe,
The Polkadot Anti-Scam Team | r/polkadot | post | r/Polkadot | 2025-01-01 | Z0FBQUFBQm5teE5QVnRUM3pGZ0JlcURBamV6MXl2aUFtb0VJd1Mzb1NZY2d4TnhaaDhxMGd6TzUxZXRVTWhiTlluWHk5VGJ2Y1hEUFAyY1ZNX2J4VzVfMElidGFBVDZSWGpEb3VKWnZxQml4b2JNanpOaXU4N1k9 | Z0FBQUFBQm5teE5RSy1sTnAxZkh3OGNsZ25fcTd6YkhsR09CNGpYMjNaOVZOZVcxbHVacjllSTZ2TWZYaVdCckhIT2JpZ09ZcmdfN1RyeDE1c3B4TFhrSjdlRERlOXhEMHhvdGFQTEZDckVBSUhnSGNYdk1hOWhhdW5lbVdFMDQ3ZVZiTXVfVTZ6ak92cGFCdVl4Q0xENzJKangwenpuLS1XWnV5UWNFV3U0Y05nbFFldGJwekxrY3NjZkE4Q0RyNi1SSGRxNmJxRnJjY3NpYmJndDdGenFFWnhacGd6alR6UT09 |
Link to original post [here](https://www.reddit.com/r/CreditCards/comments/1gaq4o7/capital_one_venture_x_closed_and_capital_one/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button).
TLDR: Cap1 approved me for VX then closed my account and charged and refused to refund me the annual fee. Filed CFPB complaint and Cap1 agreed to "one-time courtesy credit".
After Cap1 refused to credit me the annual fee, I paid the $395 to avoid any late fees to my credit report. I filed a complaint with CFPB, mentioning how multiple Cap1 customer service representatives informed me that an annual fee "will not be charged for the VX if the account was closed within 30 days of opening".
Cap1 took their sweet time "collecting more information" about the incident and after almost the full 60 days, responded and said they still refuse to reverse the decision to close my account, noting specifically: "Please be assured that the decision to suspend and close your account was based on business concerns that did not relate to your credit worthiness". (I pretty much read this as they realized they would not be making money off of late fees from me.)
Cap1 maintains that they "found no errors with the billing of the annual membership fee to \[my\] account", but did decide to provide a "one-time courtesy credit" of $395. I still find this ridiculous given that they pre-approved me, issued the cards, immediately suspended my account before I even activated the card, and then charged me the annual fee and closed my account.
Note to others: when I talked with the Cap1 customer service supervisor he stated that the annual fee won't be refunded if Cap1 decides to close the account. When I asked him where I can read about this policy, he said it was "an internal company policy, not accessible to consumers". Always read bad experiences with Cap1, experienced it for myself now.
Feels like I'll probably never be approved for a Cap1 product in the future, which sucks since I wanted VX for lounge access at home airport. Probably for the better, given that their customer service provides incorrect information that is harmful towards consumers. Still have the closed account ding on my credit report, but at least it's not a significant negative mark.
Just my experience, your mileage may vary, but I'm gonna stay away from Cap1 from now on. Wonder if others have similar experiences? | r/creditcards | post | r/CreditCards | 2025-01-01 | Z0FBQUFBQm5teE5QSzdsdnp5Y0hBV1RIRmRwZXNaVlNjMmFvNnFpbGN6eGIySXEyZXNOSllkMG9qbGxzOEhHaFBUQXhlYklBNXBTSXBZbk1sUklXNVBqOHVPLTFpMFhBQ1E9PQ== | Z0FBQUFBQm5teE5RSVc4UWZaOEVvMkJiaXRLYWhHY2FnTmFyVzVoYWp4YkhkVUxRNjNRdTlSMGZUVEJjN2FPVEpiRFh2UExueGdyeWt4d3RMTndCTUR5ZTJ1UWlzaktoLVpIalFTbFpiMlRaQjdKTkNTSEpoNTRGckVRMzB0NnNicGduLUgwdUF5d2gyemhjeFlxRFBPaUpBNG0tbngwdHgyMmlHU3NhbjdBbjJpVzVpeUd3Wk1TMUZJRFhUTFpJc29EYWZiSWpPSmsz |
If you’re into art, gaming, or crypto, don’t miss out on $LOOBY! Created by Stephen Bliss, the former legendary artist behind Grand Theft Auto and Red Dead Redemption, this project brings unparalleled creativity to the blockchain.
Here’s why $LOOBY stands out:
Legendary Creator: Stephen Bliss, the artistic genius who brought iconic games to life, has now channeled his talent into $LOOBY, blending stunning art with the exciting memecoin space.
Fully Doxxed Dev: With Stephen Bliss frequently engaging in livestreams and discussions, you know exactly who’s steering this project.
Massive Marketing Push Incoming: As we approach the wallet unlock on January 19th, expect a wave of activity, including contests, giveaways, and collaborations with Key Opinion Leaders (KOLs) to further boost visibility and excitement for $LOOBY!
The team is making big moves to build awareness, grow the community, and position $LOOBY for success. Whether you’re an art lover, crypto enthusiast, or both, this is a project with serious potential and legendary roots.
Now’s the time to get involved before $LOOBY truly takes off. The current market cap is only $700k, which is very low considering what’s coming.
Coingecko:
https://www.coingecko.com/en/coins/looby-by-stephen-bliss | r/altcoin | post | r/altcoin | 2025-01-01 | Z0FBQUFBQm5teE5QbklkSkt3amg4UmVqY180TGZ1elhCNVFaSjJnUGFaMVlHZWJvNnlvZ0gxbEhOem1tOVJ3WHFWM3ZkaXg4NGN6Qm9XbHJYbVNNc1hCaEhoV2N1YnUyZlBXTVR6VFlZN2U3S3d0Skl2VHo2ZXc9 | Z0FBQUFBQm5teE5RRVBsQVhlV2N0YXoteEl1Y0xsa2s3eUhQY2JIbVp6THE3ZHlfVUpzT3RKTTJwUVdVZjI4Z1J2M0ExQkhtRDRGUXRISXpBcUE0S19Bd3BySy1MMWFXVjdTa1REd3pQY2h5d3pialRSanhiUmRxc2xZc0FLRUZKX2RkUWlVSWZzbGUyTEpXbEcwemZHX0pzODE2c1BhcGFKVlNRbDNUVWRBVTVLN2xOdzNkTGcwPQ== |
Great video that breaks down the state of altcoins heading into this bull cycle.
I'm surprised to see his #1 pick hardly gets posted about on Reddit, but has a ton of buzz on YouTube and Twitter.
https://coinmarketcap.com/currencies/virtual-protocol/
I bought in before the next big wave arrives. | r/altcoin | post | r/altcoin | 2025-01-01 | Z0FBQUFBQm5teE5QNWdNdjVKc3Y0SEpNM1ZlR3JJZWdFOHNadGx0aHB0WVV5ZldDQ1o0aVEzOTlJQ1VlTWRrZ1FkREh4ZVR6bmZ6S3BwRzdvZl9JOWxzNzYzZlJPamJ2RXc9PQ== | Z0FBQUFBQm5teE5RYVZFTlp6TmcxVFVNVzNVU3Q3Nm1samtFTngwV1NIRHBvRkI4NzZDaDRoSWZIeFZQUkxRRGVXT2N4MjV4X2gzM1h1NkZGODF1YjlJTGZFaGpXR0dxbFhCNWJkc2UzS1BJR2tiWV9tQWRzS2tCeU01WnZRdnlhV3prSDZpWTc0cFhndFNnZWtuUV9aNUtsWkd5STdKRHA2ckNsT1MzOHNHMEdXX3V0U2wyMEtSYmRYSDR5OTZDOWNGSE9JQlZwdXBv |
I ran hurst exponent on nasdaq in 1min, 5min, 30min timeframe and only about 5-8% of the time the market is trending and over 90% of the time the market is mean-reverting.
1. Is this something I expected to see? I mean most of the time when the market open, it is quite one-sided and after a while, it settled and started to mean revert
2. I am trying to build a model to identify (or predict) the market regime and try to allocate momentum strategy and mean reverting strategy, so there other useful test I can do, like, Hidden Markov Model? | r/algotrading | post | r/algotrading | 2025-01-01 | Z0FBQUFBQm5teE5QVVVXZFMyemR5aC1BOXNLdHlxTVJ1ZGtZNUJ1bkxFbWNPN3hNZVJOUlEzVzRtN3BLbVVHVS1JbEx6OEtIUFZ3Mm4yclBRTXZmc1pNVVc3STU1VWhGNUE9PQ== | Z0FBQUFBQm5teE5RWXRBbS1sZUNPRUsyWmJpX1FsSDl0aHZkV3cxLVBGRzE2VXJ0OGhhTDEwSHptNTUzcEdPSDYzRVI4MlplaURnbzhmSHJrXzQyX3JZd1hUajJ2d1BIaGI1UDc3b25Ba09peU1uMjltRFpmYm1PeHliZDdwc1pJWlN1LXdvOHc2VEZxb3lJUDRrdG5FVGFvVk5oaG9sV2s5Skdka1hMLThKQ2RRd0JRWkhVdjcwYWdiMDloa2Y1Q3J2TmxUb3RFald3WDl6WHJhTkhodGhoNlBKd3VrSkNVUT09 |
I wrote this in the hopes of saving some of you future heartache and irreversible trauma. I lost 110k over the past month. The majority after options calls during the bloodbath after december fed meeting.
If i could go back to my past self, i would say this. The loss isn't worth the potential gains. Before, I was just burnt out from my job. But at least i was proud to have saved up my first 100k. Now im burnt out, down 3 years of savings, and have a lot less freedom in my life. I can't focus on work, i'm depressed and can't find joy in my hobbies anymore. I'm probably in the process of ruining my relationship as well. Even if i had won, i definitely don't think I'd be happier an equivalent amount.
Life is hard. If you worked hard and earned some money. Dont make degenerate bets. The vast majority of us are just normal humans who should just save their time and invest in part index fund and part cash equivalents.
Or maybe this marks the bottom and it is a buying opportunity. Your choice.
EDIT
Was only expecting maybe max 100 upvotes but i guess I said something that resonates.
After wading through the comments, insults, memes, etc. I was touched by enough kind people reaching out to add some more. I dont think i can stomach another comment reading though so please dont expect me to react anymore. Notifications are off. Posted a 80k loss screenshot of part of my portfolio. Another 30k was lost in another account. https://imgur.com/a/jMvs9DR
1. "only bet what you can afford to lose" doesn’t really make sense. Dont use that saying to convince yourself to make risky gambles. I could afford to lose 110k in the sense that i won't starve, i would still have a roof over my head, and i still have 30k i left that i promised to myself i wouldnt touch. But i lost things i didn't expect. Like my passions for my hobbies, a healthy exercise habit, my mental health after recovering from depression during college. Even during the time i was trading, i also hated how it felt. I was glued to the ticker and was losing connection with real life relationships. Before you use the money you think you are willing to lose. Try spending a part of that amount on yourself. Get yourself some luxuries, some experiences, maybe travel, take a sabbatical from work, or spend it on someone close to you. Its all numbers on the screen when trading, so its easy to lose a sense of it all. Afterwards, imagine losing the ability to do all that and only proceed if youre ok with that.
2. For those who think this isnt something a normal person could go through. I saved roughly 60-70% of my paycheck the past 3 years. I made sacrifices on lifestyle and luxuries.
3. For those that still want to go on, i sure cant stop you. Maybe some of us need to learn a lesson firsthand. Might be better even to learn early on before you have a family with hundreds of thousands saved up over decades. This might help.
Looking back, i definitely had chances to make money. I was thinking about RKLB when it was $5 (now $25). I had a chance to jump into RDDT when it was still $80. I considered googl at 165 since the bad news seemed overblown. Even at my most insane already down 50k, before i lost it all i almost went all in in on christmas eve with 1 week dte options on tsla calls. Instead i did it on the Friday afterwards hoping for a similar bounce to recover the from the drop after fed earnings. If you get into single stocks, crypto, options it's a lot riskier. Youre going to have to be lucky with the timing. Youre also going to have to be disciplined with your strategy.
When you make your bet. If you win, stop. i hope you become happy. I hope you get more time to pursue your passions. To spend time with family and friends. To become a person you are proud of.
If you lose, i hope you recover. Never gamble again. Life will be harder. But, maybe we can still find a part of that happiness. I dont think we really want money. We just want a more human experience. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-01 | Z0FBQUFBQm5teE5QWkNtdFdHRFowY0hiYjU0Q0h3TzZ5dE9VUHFqNWhNNlVuUDc2UmdZZlc1RXpPUEVGQUVLZ1R5RjNXR19qSXJyTEJlN0lqam1rdVdUZkc1MW5FMnJEUnAzYU9DaENTa21ZRG01M1RmZ2k4ZHc9 | Z0FBQUFBQm5teE5ROWVDSzJsWW1YdmVHUi1FWHF3LUM1SlIyaEJPdUtmSFhKNTM1Q245YVpVcUVMdXBHTHFFaTJuOFVCWFdkQ09HVmJuazdvRUZ4cnFSZG81bHJiU1BfMnlaWHZJZk9EVExacEtkNFlRNmJGempzUTZVV2dmczk1VUhuMWNqdV82eERfQjFLaWtuaWtjSXdFX3NJWjlKYzhjWG5qQl9oR2o2Q3ZOQXBlN0dzWWpJbkpKNWMtQ1RYLVR6cDhLbDZQeTlw |
I created a Python script that gets data from Alpha Vantage, which I use mainly for fundamental analysis.
I've noticed that the division of sectors and subdivision of industries is totally different than other major finance/stock market sites; such as, Yahoo Finance, Finviz, [Investing.com](http://Investing.com), etc.
The sectors listed in Alpha Vantage are:
||
||
|ENERGY & TRANSPORTATION|
|FINANCE|
|LIFE SCIENCES|
|MANUFACTURING|
|REAL ESTATE & CONSTRUCTION|
|TECHNOLOGY|
|TRADE & SERVICES|
I won't list the industries here because obviously they are more than 100, but I can tell you that the industry nomenclature in Alpha Vantage is completely different than most finance sites.
As to the sectors, you can see they are only 7, as opposed to the standard 11 sectors that we see in most finance sites.
I care about sector-industry segmentation for my analysis because I compare companies to their peers using a percentile ranking instead of following the 'cliche' standard of stock market fundamental analysis, like: "PEG | Price-to-Sales | Price-to-book ratio below 1.0 is very good", "EVToEBITDA ratio below 10.0 means under-valued", etc.
But my analysis can't be any good if the data isn't any good either.
***Has anyone else have experience using this vendor, Alpha Vantage, for your analyses?***
***or, what can you say of the different way sectors and industries are divided?*** | r/algotrading | post | r/algotrading | 2025-01-01 | Z0FBQUFBQm5teE5QakRtUngzQklka3pBUC1GMHNYOHBqcUZwRTdzZm93ZlhOdWl6MEpPSF9qN2lfcTltR0JtNXRnOFhuQ0RHUlA2ZUlINVoyUi00QkFwaDVZSEJrV2xsQUE9PQ== | Z0FBQUFBQm5teE5RWS1haTBkZFJaTUNxa2lrTmtIcGtKSnlaY2ZZVE1CUTM2NUxFdXd2Rk4xOTFjVTdJQXR0QXlfbDFTbHRKT1hyOHJzMkxUOGNmYWVCcTFFT2MycnNab2pMNjBjeTZkN0d6ZnYteHdBMkFfbl9ENVpBLVIxRzNCNEpoQVVMUHRGYVB1UFRpRUdfSVQ5Vm9PTDRqNm9mTkhqZmY3Rkl5bTVxQ00tNVFiT0t5bGEyQ0ZsX3U5OWZGZmxuNXpiMDdOX3Nr |
With over 4206 transactions amounting to a total volume of 2463.41 Sol, it completely blows my mind I only paid 0.23 Sol of gas fees.
For comparison, that's maybe like 3 transactions on ETH | r/solana | post | r/solana | 2025-01-01 | Z0FBQUFBQm5teE5QOUFNU21kbDhGeVBjbXpCS0JfUk5ITHg3RnNEVldXQzhHOHNjVGhDTTZiSUhyZFZFb0FzejNiM0pnbDdQYlppTXdFS3EyX2VqRV8ybk96TVdHU3RwTzJmSXJ3SDRtZjBhNTZDWkNEVlhnMUU9 | Z0FBQUFBQm5teE5RVmlqNmNMa2IyNmpqVEJJaTVkZnpMU0ZFVVp3b2MyWEF2TjRiRjFnaDhEYURvWFVHUjRlWU8xRGF0bXpuTzBUdUstTTMtWk94UUU2czdvRHR3NjBxUHZWalAyV1JIM3BqbmhIZFBTUS1VY3pmNFVtTDU5WjZNU3hSTUh2cXRVelJ0emsxTm5oVFp2cVQybElvQy1MVW9ERjU4WnlyS0wyNUR6WVZoMmtudDg3RmZ6aHNHRFQ3MjhnQnIxaFJaa25HY1RGdWhVZXM3UWY1TUJqRWtJRWdPdz09 |
u/pepetipbot 200 pepe
Here's a little tip for you :) | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-01 | Z0FBQUFBQm5teE5QRWVRMWRpTk9wT2ZNbjRhQ3A0MkE5TnRBSzhrdFJ2Sy0tUk5zMmhYbzk3RHlwZDd4NmRXenk3SXVlcmVXeGk4RFY0MXh0OTlsX25CUnptSHQ1ejl1NlE9PQ== | Z0FBQUFBQm5teE5RUEpvUG1fREdjYl8teVJ4M0xEQkozcWxsYTJGTVNHVFdDbVpJdHg2TjZJUWRNUnhxbGZQUmk0ZkFkRjRNcURqeDdfTG5zeXRDSWt5NEFNbVZyZ1pJc1dmQ1h5cmZMMmIzaVlMMHZwNENpbEZ2VzFEcWEwbHdINTZLTEIybDVhWmk1eGdFX1ZCSEtRUTZhNURzSnE1ckhHV1Q1UGRwdV9WNFBodW9nWnh1ekpfdlhvTVZCRHV5TlhhcGdKMVpFTFUtUkJXMWtjclZ0eVAwcUZMZkNLdExzQT09 |
**^([pending accept]) u/Teranya8 tipped u/MrOCoin __200 Pepecoin__** |[ accept ](https://www.reddit.com/message/compose?to=pepetipbot&subject=accept&message=accept) | [ decline ](https://www.reddit.com/message/compose?to=pepetipbot&subject=decline&message=decline)| | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-01 | Z0FBQUFBQm5teE5QZHk5M0taUldYeUVlQWV4TTg4Vjk5aTliV2Z1YzdkWGRoMkJjeFJ2NFpVSTQ5eDZqdm0zV0syc2xVSjh0WE1RZDVzUjE2U2dmZlJUd2lFRlJnYWdpd2c9PQ== | Z0FBQUFBQm5teE5RZ1ZvcnhwSEFkMFhvdE5odktzNzBuM19va1VlZng3cTFEdTdlT3FMb0ROSG1LalRKUXg3TEhoalJUN2dDSkxZdGFROXJ4T3JSNm9GU0VvdTVmN0hoc045dFZwRmluZ1VNVGwzODVsSjFqUHV6SlZsU0dZOUJ6T2gtaVNUM19wVElRbE9NVVBRWWY0WUJXRWE3X0NuTjdzVkdaRXU1V2tKa1IzZXRPTmdyc2M1ak9lcXA0amoyYm1lZW5qNFpNck5MWXN3Q2lvanZxSlNiOE9pZlVKNEw0dz09 |
Thread title says it all. It’s likely that everything would be fine and you’d encounter no issues, but it could be a potential problem people run into.
For those saying it can't/won't happen:
> A few years ago, I transferred to a TDDI TFSA on January 1, but TD reported it to the CRA as Dec 31 of the previous year. I wasted many hours with the CRA to fight the ‘overcontribtuion’ and eventually got penalties reversed.
> Nowadays, I always transfer on Jan 2.
https://old.reddit.com/r/PersonalFinanceCanada/comments/1hr430b/contribute_to_tfsa_today/m4v61j6/ | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-01 | Z0FBQUFBQm5teE5Qb0xlMF80OWVWVklBalc2aEROMTB4MGtfMi1aQVhXb2J3Vk1PTml6Vl9ndWVXbU5XRnNWaWF0R2tKdmw5XzZGRWJrVnlBMVdSbjdjQjdvNW9XZ0s4dHc9PQ== | Z0FBQUFBQm5teE5RZV9pNGVjSWlxWWxVUzZXQUVoS3UtVmF3SWRreVRISDlrTXMxNENyckItcndLakt5Rl9iNTI2TE9Fd1lLd2tKaEZNc3NYR3ltTUV2ZE5LNWhWcXkwT1hKeXB2NzE0NmZQVzF2bWh2SlE5aVVUckFfM2p1UDQ2dWZwdTB2ckFTWnNEUjBXbzAydzlSZUtlZGFzTXJRdFM5S0RXcWI5dTc0eFFTU3FnQ0l0aVpVOWFReTljWVA3QUhkMWo5MUxpUGxLbHlZYkxBUGlZR0c3UmV1RXlFRnVKdz09 |
I’m testing out an idea to trade based on an indicator. I understand indicators are not very well regarded currently and that they lag the price action. However I think I found something that can work over specific market times with more volatility for a directional trade. My question is how sophisticated could I get with my algorithm? Currently I’m buying the ask and selling the bid, should I look at getting better fills with the risk of missing entries? Should I be looking at L2 data before placing an order? Basically am I oversimplifying my approach so much that it won’t work. | r/algotrading | post | r/algotrading | 2025-01-01 | Z0FBQUFBQm5teE5QNnlUYncwNUNtZmNjUUp1RHU0MkpBS3AzOEFOVXFGRTdhZFpkWDZPcmNVLWZWOUQ1eHJyb00zN2QzQWFtbUxkS2djbUprZWtOOGc0TmM1ZDZSb2x2TWc9PQ== | Z0FBQUFBQm5teE5ROUpyRUUwYXR6ZnNVdUQ3dHFSc1ctX2E0aFRSUUpzNmI1b3pzb3hXekIzTVczbjdEX2NZVzVuUGtPVWlndVVCdTlmWGpsLVpOTHVKQjhhbVVVc1RNd1VURE1uZUljOXotMVNEeGZHbXdFRUxaSkpEY1RsRFoyS1hMTGN3NDl4Wk9LaWg1WUtNUlpENm1MVEJJMi16d0hrVGhDR1VsS1Z1Tml2VW5PdUVlak1MdUNmRFJ1SjJmT25mRzBEM3ZXajBxY1pSWVBTaFJFVldMZExwRlJjdXBaUT09 |
Hit $22,000 gross in two weeks as a handyman. I target upper middle class neighborhoods and go door to door. No ads, no flyers, no website yet even. Just magnetic business cards I hand out when I can’t make a sale.
I specialize in jobs that provide high perceived value that I can knock out quick and charge at least a couple hundred bucks for. Mostly exterior repairs, fixes, etc. Average around $200-$400 an hour per job that way.
It’s amazing how much effort and money people (Myself included in the past) put into getting customers to come to them but won’t take a single step in the other direction. Everything changed when I stopped focusing on building websites/apps, optimizing google ads, obsessing over my google business profile, etc and just went out and knocked on doors.
I was a software engineer for 10 years when I got laid off February 2024. Months of failed jobs apps led me to start doing some personal training, I had a lot of experience in the strength world and did ok, enough to pay bills but nothing like the salary I was used to. Started providing handyman services but wasn’t getting many leads through the usual recommendations for local service businesses. Needed cash fast and started going door to door. If I can do it, so can you. Get out there and make things happen, don’t just sit back and wait. | r/smallbusiness | post | r/smallbusiness | 2025-01-01 | Z0FBQUFBQm5teE5QOXVmZzFDanA2OWFQSk94UU14V0JDY3c0bGpVVTQyMGdWejFRXzZFQWRmYnVjckQ3Q2s0N3JRbTNrRVQtUVRUZ1hwajQyRmktQjJyY1B6U0wwUmswMnc9PQ== | Z0FBQUFBQm5teE5RVHNkdU8xSmRYQ0x3UGMtQVJGRTU4MU1xdFd5a2xMcmlSVWNGQTQtMjk3THNKa1cxSzJqaU4zcVlpbXVINEVDNXNCV1VJOXZ0OUxIc3BoWExQazNTenA5by1uUkxiUnpGTGlEVUFsekxEQTVZZnRQNFZsc2FqNWo0b0dfdzhUQWZjMnQxZlgxSG52V09WTWh4cVhYbkI2VXpCWjUxMkh1MUdRSks0NmphQUxkRVVxMmJBR3dVelA1ZWZySE04dmZ5RERzU3VBay1lTzJqLWFnVDNxdDBadz09 |
I see all these screen caps on Twitter of people turning $300 into like $70,000
Is this all fake or are people making money with these meme coins? | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-01 | Z0FBQUFBQm5teE5QdFJyb1YwbWtGRnBaUWFfaGJhZTltZXU3bHlwU2FQeXM0S0d0aWNNRk5vTERla1A5X3N1TU1XWGM4NklfNUx2ZzBZSWhIRkotVnlkYldrQU9hMEk3bC03THVVRHlSTEY5N1V2TnRiWWFTOUU9 | Z0FBQUFBQm5teE5ROHJCLW5mbTVlVTVWbWt4V2c1eUZwSTcxdk5zV183OU1MQWZmZUVGaFRXRGlOQXpJMHJpWFhKWXZwUjZrUFZKaGE5TE1OdUNucE45T0gxQzlGMkJpY0pvT0p2SnpZc0dVT0Y5V2ZZZUpwbl9DSDVudFk3NVhfUlFELXNCaW9CN25wMzg3cW5GWHdDcW1kV3AzZ0padG9OTjFaRjFEdFVPb3ZMeDg2cndOYkdXQVJjTkcwRnFRWmRXcGJZd1FBUzNSWnBxSWIxQU43VnRPLWpTZlRUcGVhQT09 |
Last years update and Sankey: [Click Here](https://www.reddit.com/r/financialindependence/comments/18ulka1/2023_yearly_update_sanky_diagram_broke_100k/)
Last year I barely broke 100k income. This year I surpassed 140k! With \~60k as a tax-free stipend, my effective income felt even higher, although as a travel healthcare worker I had to duplicate expenses, such as paying two rents, so that takes some of that stipend away and is why my rent was so much higher compared to previous years.
As with previous years, I tracked every penny I spent, made, invested. I google spreadsheet it about 30 minutes a month and then combine it and create a Sankey end of year which takes about \~3 hours.
This years Sankey: [Imgur Link](https://imgur.com/a/iTIzOkO)
Total Income and Net Worth (Dec 31st values)
* 2018: $13,703 / Unknown
* 2019: $36,355 / -$40,045.50
* 2020: $26,539 / - $28,074.16
* 2021: $33,635 / -$11,765.71
* 2022: $82,496.55 / $31,181.83
* 2023: $106,638.54 / $97,467.20
* 2024: $146,893.65 / $204,258.06 ("saved" \~61k)
Crazy that I broke 100 and 200k NW in one year. The markets combined with my \~42% savings rate really helped bring this home. If I hadn't dropped nearly 25k on buying a much needed cash car then it would've been \~60%! Between retirement funds and stipend my FIT taxable wages were less than 50k. I'm sorta considering SOME Roth 401k contributions due to this next year.
GENERAL and GOALS
* 29m, single, no kids
* Maxed all retirement accounts and plan to do so in the foreseeable future.
* Roughly: \~100k Trad 401k/403b, \~45k Individual, \~38k Roth IRA, \~10k cash, \~10k HSA, \~2k BTC
* Travel work for maybe 1 more year while maxing retirement accounts and saving all other money for a down payment on a house. Looking to settle into a permanent job in 1-2 years. Travel is good income and fun but its lonely and boring at times being away from friends/family for extended periods. Also hard to meet ppl/find a gf for settling down in life since I move every 3-6 months. Most of my days are work -> gym -> home
* 20k student loans @ 4% is my only debt. May or may not pay this off more aggressively, this year I put 10k extra toward it via maxing my 529 for the state tax reduction and immediately paying it.
* Next years income will probably be roughly the same/slightly lower if I get bored of the travel economy and opt for a permanent job where my income will drop to \~80k.
Not sure if I'm gonna keep tracking all expenses. Its fun to plot the points but doesn't seem necessary. After several years I've never taken any actionable steps due to tracking, moreso its just a for-fun activity. My frugality seems to be set in stone and I know intuitively what I can spend on and that I reach my savings goals easily. I'd keep somewhat quarterly tracking of NW but that's about it. Has anyone stopped their tracking - how's it make you feel? I hope everyone has a great 2025! | r/financialindependence | post | r/financialindependence | 2025-01-01 | Z0FBQUFBQm5teE5QZjNTUXRMZ29ST1pnX1JLb1ZlT244NUt2dHVyNUtHUDNPMG5ySHNHT2lwQ2ZXTUp1RThEbWR6NkpudEtwS3JSVkVfM19KYnlHRjh6NEdaMkFhMzJ2d1E9PQ== | Z0FBQUFBQm5teE5RaV9mbl9xR2RkaU5MU243TG1PSXFORzUtMzFRdzRSa1dIZlR2ejd5YkZ3V2paNkUzVU5LVFN4cTZoYzJSajBNMHFrcjdBRUQyTGhCODdNWXRhLUU1TjJSR05zazhlVnNrUFkwZVlaLUc3ajIzNC1lU0tZVmMyZE84WU5LS2hxcG9aWVlFdms1TTFxR1Bub0xiM3hZRnBPMHZEVFctTUI2b1p0ZVZIaEtnUm9OVXdmWUlfeExTSGR3aXJWdDMxcWNydzJzdVRmTnZUVDNKR21WeHhlTXRpUmw5VXRzbmFvcWN1al9QS2FvRWNYWT0= |
Happy new year y’all,
I launched XMR.IST Monero alias service 6 months ago, with this service you can create human-readable alias addresses for your long wallet address. Try [email protected] address on your favorite wallet to see the magic 😉
With using **NEWYEAR** coupon code, you can get your alias address for free: [https://xmr.ist/register](https://xmr.ist/register)
P.S. Coupon code applies 0.05 XMR discount, that means you can get 6+ characters long addresses for free. For shorter addresses (and to support my website \^\^), you can pay with Monero.
| r/monero | post | r/Monero | 2025-01-01 | Z0FBQUFBQm5teE5QbzJJLTZxMEpKenVkRlRyT3pCY1gwcGdpYl9ubktUSDJtOWhrMkJTaG5ValZNcjJwWi0xTVdWMVpnTlV3QXQ3Qi1aY2R6c2RNU2Q2Z0lUenlEb0ZSVnc9PQ== | Z0FBQUFBQm5teE5RZHdHdmkxVV9IMHRhYVhIeHpCZXAzZW0yRUpPVTlLeTFOcHUtdTRfUUo1UjZSN09yWHNfSDJnZnltSGxDMWF3STJEOGpZT1lRV21UMU9GaXJCYzgzSVlGcXlCQXVBTG1SeVlSdWJtSnRGd0QxOUJCaHpCOUJkQkFnVHppREhmb2ppVnR2U0pwX1FGV3RkUVppYy1Tbm5HZ1dkNGRGTWtqQkxFLVdjUHlLeTdTdWRndEpqYXppblRwWUdnR3NxWnBR |
$11.99/month x 12 = $143.88 saved
I did purchase 3 CDs from my local F.Y.E. which is going out of business. A Russ, Tove Lo, and Zach Bryan CD all for less than 16 dollars. So let's say: $127 remaining from the music fund for the year that is not required or necessary to spend.
Between my partner and I (we are combining households), we have hundreds of CDs, vinyls, and even tapes. And we have a way to play all of it. If I want new music, I can pull randomly from his side of the collection. Libby for audiobooks. Life is good! Plus, Spotify was an auto-renewed subscription through my credit card, high key ridiculous. Every bit counts!
| r/frugal | post | r/Frugal | 2025-01-01 | Z0FBQUFBQm5teE5QcUpXOFl0R0JvOHRFb3o0SGlnVnh3M215SUJTOEhVSzhsMzV4TVdld0JDZ01XOHJ4QVBuUDNZbVlBLXpyLWF3b21GVHZKMjdHZ0UxeHZKSlQ5OEIyRVE9PQ== | Z0FBQUFBQm5teE5RVkgwa3c5U2ZoQl9lMkp6T3NUei1YcGN5WTJSRGU0bDFJbnJGOTFhUUctTlctNnQ1MEFjalZUWXdsWG5KRHA2c0ZkSVpBTzhWN25yaXlRVWY0X3hOQzNEMmpGQ19EX3FlSGlIWl9NSTdxYTE1LVlWcFlYeHZzSjE5VmtJWHdoZThfR1NocUpySTh0VS1lNnNZamU3V0pIbGhZUjFsZUhlaGtCWnNuSVBJQUpaci1nZWhPTDBOdjdtV0ZQUXBJVjVW |
Telcoin attempted to do that but kind of went dead. Hopefully CELO will have its FOMO this cycle 👍🏻💪🏻 | r/celo | comment | r/celo | 2025-01-01 | Z0FBQUFBQm5teE5QN3ZneGU2eU9ZRml5T0RrSjZrVFNjODFHV3JSM1NyeGlhS3NLbDFvMGpIZzFxSEM2ZkVXa2lpSzlQVGJ3dGRBMGxSTndwUU92TUthTV9FMHQxNkdRYnc9PQ== | Z0FBQUFBQm5teE5RY3FlQlFjWE9qWDZMcU9QemxVTnJoa2hXTGM2azFVOGhhLTBYSVJpMWFvR0FPVGVCcndiRnhsZDY0bGRpS0gwLVIydmlGMndhNVl0LUJCOWJlSEtwdjBKZDR4bXU3YWMxTk1XbG9ieGxtN1M1Zm1kRzZodXRpVlRJSnJEWC04cnFfRlo3OUM2TXNKd2I3N2cyS2NVenM0Y2VyekZFV2lnQW05Z1BpQW83ZkhjSHRnc3U4MWxnbDYxNTNmdmJtNXFIZHRZQ183V2VXWW5YcUhJVmVPMDhMdz09 |
I am going Advances in Financial Machine Learning and the author mentions that time bars are oversampled during low-activity periods. What does this mean and how does this occur? | r/algotrading | post | r/algotrading | 2025-01-01 | Z0FBQUFBQm5teE5QNEZvVlI5N2tYNTNucEd3c0tYYV8xcmNrbWNpanc3RjFSa04tc0wwMktZLWoybkJ2Z2N5LWRfQ3RuMThlNzJJY29WWXJpRWxPNWhaMWY2dmdhUnBITXc9PQ== | Z0FBQUFBQm5teE5RdXBUZlg5YXN0S01tSG8yRUhUWm5Cc3NtZk5JdnkxVElqSlBJUE9rS1hHVWRWbjJXTVNfUGNsZkNYcmxpOHhfQW9vTlRySEZZQzRDbWE3TnpMSmpCSjNMMHRrb1F2SVk0U2FfaDB5c2tXOFN4OGZWTk1yWVM3MGpvakVvVHdwaV9za0pkSlpfTG9pUDBZbzJuRW1qZS1HVGhfRGpaYWo5akRkTlF4T0NmcVF5TU1DSVlVSl9qRGNDdlFpZnVOVnZqRzB1dW1BbDh3LVRJRURMUTNYdEJSZz09 |
I am totally new to the crypto game and feel like I’m drinking from a fire hose but the thing that feels most convoluted to me are all the little fees (some hidden) with the buying, transfer, selling, etc. of crypto.
For that sake of not over complicating this, let’s assume I’m talking specifically only about BTC and I only care about the specific dollar value/costs (IE not factoring in moral hazard, risk of exchange being shady or going kaput, etc)
Could someone explain to me, as you would to a 3 y/o, all the direct costs that you need to look at and account for?
Not confident I’m using the proper terminology but so far I’ve seen or am curious about:
-purchasing fees
-spread when purchasing
-transfer fees when going off an exchange into your wallet
-add’l costs to send BTC to a friend/merchant?
-costs when selling BTC for dollars
Thanks in advance! | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-01 | Z0FBQUFBQm5teE5QUTczOXBfM093YTUxeEVJcWwyTDU2TXdpS2VHY1RhbVZIVVpONnVrWkpfbnNub092eThUMEpLUThhNXgxaDRpbUNULVNRTUwtRzY4SnBNczFQVWRSTHR4aEppWFk0bkNNVTBOeENJbXV6cTA9 | Z0FBQUFBQm5teE5RWlNwUS1PRmpmMURXaVRfTWJlc2F3M3NfUVh5UjFZNXllWk9yV0thbVo5eEdWRFRRUmNGVkNtRzBUX2dQZ0ozTGx2MFc2Qk5VUGJ4Ml80eVlzR3N4YUtRSzloN2xSWC1nMlNVV05qWUpKUU5WSEZPcThOcl9OTVVNRDkxRFdiTEpWTFBhQmdwczBxRGV0dWhMN25VVkZ6X2RLRk1rSEVPekdtaVczMjZqSy0wNmk5WVJEUkdCbnc3ODVnR012aUtCUW0zMXFsa016WmZ6NEZualdwWVZ1Zz09 |
Long term stock investor, love a good high risk. Crypto always seems daunting, and it's not like investing in companies. Which ones should I start out with? | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-01 | Z0FBQUFBQm5teE5QWXRibHZZVG5FT3lqcE5VU3pWNW40MnFqNXlFQmlPdzZvc2VZNHA2SV9zY01jQWFwM0F2VFEtODd4ZnVzVk5RX3V2R1NxNkZMRHlUWVU1WENTVnJGVWc9PQ== | Z0FBQUFBQm5teE5ReWJKNlRvYldjU2I4eWdyamlkSVVXbEpDelVyZjYyYkttUFlkTEt2OTQ0TkVsTVdyRGM1dDU5azBTbDV3TzlhM0libkVMc19vVV9haVJUalI4QjFwN2dnLXN2LWdYQ3N2ZVp1b1M1RzFfaE9feWhOYkNnYlFvdjlPMlFtWlN6MzFyM3g4eWFaY09JenVKSmFjQTVsZVp6YTBvcTFwU2hJV080OWxPZ20wQzZyY3pmMDFqckpmQUFBdXItT3NBTjlTZEhqTV9TNF9aOWJhUWhJM1BiSWFQUT09 |
Assuming I bought some btc with a credit card or similar,
and swap it to XMR on a dex or using atomic swaps.... then basically I'm left uncertain whatever happens to the btc after.
When someone does something illegal with it, it might fall back to me, even if I'm innocent since the btc was going through my wallet.
This problem is not limited to xmr swaps ofc, but I guess the risk in that area is a lot higher.
Wouldn't it be less risky to just by monero with e.g credit card directly?
Now basicly someone could tell that you bought monero, but not what you do with it (we assume there is no leak and you don't do something stupid on your side).
\+ One can tell you bought monero, but not what you do with it
\- risk of having a btc wallet coming into contanct with dirty coins
Or ?
(aside of the fact that options to buy monero directly, are limited) | r/monero | post | r/Monero | 2025-01-01 | Z0FBQUFBQm5teE5QX1VhRVJjVjZOZGVCWXFCTU1vM3hwYXRqbm8zdGhpZHg2UFBBYVhScUUwcFN2S1lrMm80ZDl3am15M2g2WTZDWlBpWGdFM3FnRUZIUkZhbEFGUUV3eVE9PQ== | Z0FBQUFBQm5teE5RdEs3bVZnTDJiTnJ2YzQtVlFvNkFEcDk5ZHh0UFBsZGExNDVUMFdqb3JRVXhZVDZGUEphTUJQRXpwbm1HaUtjRUwzY0hOazZkVTYzZTdkdFJtb0x3Z3YzNjg3OVhoUWNETU5xYVVFbzZSclFJekNtMVZSNUJBLUNBNVJkVkkyV1pfa3R2SWZlMnE4RlFPM2tLd3M5My1WaER5ZWNBc3R3RUlreFl0dmx4MWtJPQ== |
Won’t bore you guys, but I’ve been in a deep, dark depression the past few years mainly due to work and a couple of health concerns
I made the decision over Christmas to take some profits from Bitcoin which will allow me to leave my toxic work place and take a year out
Some of you will be saying “what a moron”.
I get it, it was an unbelievably tough decision which has taken a lot of thought
I need this time in order to get my health back and decide what I want to do moving forward
I do understand this is a privileged position to be in too
Wishing you all a happy and healthy new year ❤️
EDIT: Blown away by the support and kindness of this community | r/bitcoin | post | r/Bitcoin | 2025-01-01 | Z0FBQUFBQm5teE5QMlBNZjVuWWM5MTNNT3ZwT0hWcS1VeUQ1bjJCSjdLQ1VxQXJHUnk1YzNNRi1vOGVPUW84UFo0dnNxMUhmM0h5bEpDOWJSLTRZVVYzOHJFMWhjMEwyUnc9PQ== | Z0FBQUFBQm5teE5RdUdNel9mc0I5WGpRQ1RXU2hqaGdFQm5weGJZdmN2M1lZUVVRMmRiZllxQlZLcjFYUmsxNXpZUll3VzlCMlhQY0JtdUJpRjlHOUIyeFV2THpjNEd1cjl4MVVwTmg5UlN3MkJuOTNjV05MbWFKQnFoRHkxV2NDLXZwOXNGRWh2N05ON1VnMkRweElCNm9CRmMzVmctREYtSmxyOEtWTG42VzZ5dkI0dXNtWEw3ZnhNTUMxLURsQUJUWTIyNkNjTklq |
Instead of minimizing MSE or MAE, I was trying to maximize Sharpe Ratio. Big Oops! Come to find out, Sharpe really matters later in the game after one backtests, forward tests, simulates the trading model. Makes sense to me now but I'm a big noob. Only put about 300-350 hours into this so far. | r/algotrading | post | r/algotrading | 2025-01-01 | Z0FBQUFBQm5teE5Qc0lWWGpuNU5zMV9PdzUzWlFhQW1kZVBUOFRDX0NzcW0wMnc1S09kbkU5dWFiMnNWQnFMcDhyRnlhdVQ5cXdJZ2dfcVFjSEVfNXVqVmIzRWdGWm51bkE9PQ== | Z0FBQUFBQm5teE5RNlZOSXE4VXdJdkFlbTN6VGFPMm1sNlNNTVdRcXEyOElPaHY3cjlvMDZzVElEZ21hWWJfU05keUMxM3dmd3FDbnRrazZUaHliOEgxZGx0Y29fdE5fZjh0QUFvWFExTzdIN0RqWmw3dVBBSW8yOTdXeHFqZ1ZSNFA0NEs2ZGdGblB1czY4VFo1TFd2OVY0ZGJhYXd2S1JzOFdXbTJaUTdQdzFJXzdCRnNFdmRubmxyRkpSOENFTEUwZVFkeXJnbjU0MGtCSVVPbktGbEJEZ3dZQ0w0aUZKdz09 |
When owning physical hardware for storage is so cheap nowadays, why would anyone use filecoin? | r/filecoin | post | r/filecoin | 2025-01-01 | Z0FBQUFBQm5teE5QUGxuTk82TGJOc3RXUVZNcC12RnlwVUVtbXplOFdXaHY5ako1cFpCZmFFWTlNZ0VfU1JhVmtOaFZjdXpjNC1ibGk5STFKV1pCUE9TREVZX0Nrb2V1YnllT3VEMEl4d3FobUJMekM2LWFjNEk9 | Z0FBQUFBQm5teE5RY09WRGFJUmJFYkxHa1pqZndVZEF2RHlOZ2FJa05WMkZVVHBFa3dZOVNMYWRBZmNaenh5VTcyWnBHa2dNU1BTRGVzSEpvU1NkQ2QyS2NBVEluSnFvTXdNWVJWM1VnQUg2ZzZXUzAwTmUxakR0ZURvbFJIbV9rTlItcDYwdUFESmN2SWszM29XSjRGYkJHbTF0WU5tcDhLQVhqODRIUmRjQzZrVF9tajhmdVRvPQ== |
I won a $3k slot jackpot in Vegas, and they paid me $2.1k cash and withheld $900 in taxes and gave me a form. Anyone have experience in reclaiming taxes withheld from gambling in USA? How much should I expect to receive back? TIA! | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-01 | Z0FBQUFBQm5teE5QcWNjX1UzelozUWpYX25ycTVOU00xdFZld2k0UDF2WV9ObGdCb3JFUzRyR2plRjhlbmI4MFRhLTdJYS1VMUFHX2tONFBlZFlydU9qcmNPS3NDUFE1ZV80cU5ib3Z0SUZKN3lBYk1fZ3dWMnM9 | Z0FBQUFBQm5teE5RZXFNM3RfRllkNTZPa3hUQks0QVJsMlFocE9QcW1zTURneE4xSmk2QkdLckg3cjZFWXZfOUdkZ1FRaXJwOVI1VUNiZ0xaeDhNbG95bkR6ckxEaElDN3BWWEFFQ3JHZnRINDl0TlU0dzVzTWllN0p5T21IZF9OUnZMZzB3SG1zUmVNaFdzbll4T2lpWnhXVDAxam40QkdUMVg5U2w2YUVkSDNCZ0Z4RFpYczg5TmNTeUg5dXdGOGpEWmRSaVFJbm9SMGxWNTVkZDlzU1R5alZkRVB5VXppZz09 |
I started a S&S ISA this year and am currently looking at a 140k portfolio which could well be more like 220k by year end. Am I correct in thinking that I would be foolish to withdraw a substantial amount of this for house renovation or mortgage overpayment?
We’d like to build an extension and my thinking is that we would be better off taking a second mortgage out for that work and maybe making the monthly payments from any future profits from the ISA rather than withdrawing the lot and paying for it up front.
Am I right in saying that no matter how much success I have within the ISA, ALL profits are tax free. There is no ceiling? | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-01 | Z0FBQUFBQm5teE5QWXdBWW5weWVvbDV5M29qZGFDVUptLTJkX1F1OS1uT3BLbFFkVHFlZEhOVV9XZkZqeFpNeFlPSGhKVXRSZ3hXeUczakxIUWpfWGN3dFNxRHRLTWV2bXc9PQ== | Z0FBQUFBQm5teE5RWl95cFRmMUJ5UWNReVU1SW1zMXpoNXItVmh3YUpaVWJBOGVYd3JiLUFJMDBXRjh0M1VUZ285LWJBWXA3dnQ4THJyMDEwTWN1bkg0c1diSzlYbllmWmhhRGlpV2x5UnBkRVBNczBNaEQ2TkthQkxwcG41WkpnVVQ2djFLWk9DRVhZQ3oxeVA2MFdqV3RKX1pEb050RjM5VDNjekstZXczVVFvbmpIXy1reWlla09oSTFzdGZrOHZJMFVJaXFjZE5MaTdmdDJvWUZNck9jZkxSRGtpc2dzQT09 |
Hi all,
Right now I'm using the free YFinance API to download financials and process them locally. It works fine for my use case but even better would be if I could access historical financials (income statement, balance sheet, statement of cashflow), ideally within the past 5 years, for all US/Canada companies. Does anyone know of a free API to do this?
If not, is the only alternative being developing a scraping algo to scrape SEC data? | r/algotrading | post | r/algotrading | 2025-01-01 | Z0FBQUFBQm5teE5QS2VpTGNwUmxxZUhvOHd5SWFKaWJYS2d6YmRnWXJxdExoRFVXWEg2TFdNSEtzZWctY0hwN2dVWGtCT2swZlk2Y08zajFLWThvdVVMd0JCcEVTWnZJYWc9PQ== | Z0FBQUFBQm5teE5RZEZpVWRSQ0t3ekh0c0pmTExaemt2eGdsTU4zZkVkWDBjSnZNbFJlZHJrdHl4Vjk1ZGV1VTBhZVZwZ1FRLXF5akR4ajhxU2I4ZG95OWh3NWN6T2g2NHF6QnRxQmRFYWMyQ1hOUVdtME82c0VjWmlQQ3Z4N1FPS0ZMRVFKVG1GUTRYT0M3aVFEbktoOC1lQXZFWVdvb1ZGZGVMakF2eTJ2cU9aUlFUcXVodnBUTjVrUkhLWXZ1SkhEMVNjTHNvWmtrWG5iNW5leUlDUktXYU02dGlSN005UT09 |
Is there any good dev resources (GitHub/repo) and docs for example on how to use the ecosystem? I want to test storing and retrieving … also is there a price per TB stored/retrieved ? Golang is my preferred language | r/filecoin | post | r/filecoin | 2025-01-02 | Z0FBQUFBQm5teE5QdjY4NlJCbFYxWUhFVEtPWEJyWmQtOGRGeFdKMmExbDNlOFd3UzNqNzhxOWpOd2FEZXkwUlk1eWttZ29XSkpSWWFfRV93cWtpb21vdDdKMndPWUZmMUE9PQ== | Z0FBQUFBQm5teE5RY2M2T2loQmFFMkJ1U1MxLTVzVnBwcXhqMUdRdjhtUzB3NTZYM1ZzOTg5NG1TRTBXdkFfanA1T0kyRlFCcEhIR0xucjJuUzZRZDNkSlhFYUlYWk5md1pHd3dHeklaWUl5ZThCblFFQXlzRlJtd2FtMkhlNEJmeEZDWDFGemU1MW1fS2hoSGhqbnNURDlua05ZQWVZRGVlaWxyM2Y1bWM3ZzNpaXV0Vm54OGZNPQ== |
**Background**: Hello all, this year in review is something my wife and I have been number-crunching and contributing annually to the subreddit. At the end of every year we see how our finances look in order to get a complete picture of our path towards financial independence. We add up all of our major assets, subtract all of our debts and come up with our net worth and find the year over year changes. We then pivot to the FI-portion of things and add up our liquid assets (net worth subtracting home equity), figure out what our average monthly expenses are and calculate a SWR using [ERNs Withdrawal Toolbox](https://earlyretirementnow.com/2018/08/29/google-sheet-updates-swr-series-part-28/).
Notes & changes for this year:
* We actually began tracking all of this in the middle of 2015 before pivoting to annual updates and didn't begin posting and reviewing here until 2018, so there is some bonus data for those years in these write ups. Also, anything before 2015 was not tracked, but at it's worst we were worth around a combined -$115k due to student loans.
* Our HSA balances have grown and are now included, although we continue to use these for spending on healthcare as opposed to retirement accounts
* Removed the assumptions, "Years to FI" and years of annual expenses saved sections from our sheet since we are technically beyond a 4% SWR number
* Added SWR per ERN's toolbox and annual projected spending to write up instead
Here are links to previous year's reviews:
* [2023](https://old.reddit.com/r/financialindependence/comments/18vyyuj/part_6_2023_annual_spreadsheet_day_review/)
* [2022](https://old.reddit.com/r/financialindependence/comments/102aprn/part_5_our_2022_numbers_annual_check_in/)
* [2021](https://old.reddit.com/r/financialindependence/comments/rtltdg/2021_year_in_review_my_4th_annual_submission/)
* [2020](https://old.reddit.com/r/financialindependence/comments/kodzr5/2020_year_in_review_part_3_of_my_annual/)
* [2019](https://old.reddit.com/r/financialindependence/comments/eio3lm/2019_year_in_review_pt_2_of_what_i_hope_to_make/)
* [2018](https://old.reddit.com/r/financialindependence/comments/abc47q/2018_year_in_review_part_1_of_what_i_hope_to_make/)
**Numbers YoY**
* Net Worth Change: +30%
* Debt Change: -13%
* Retirement Change: +36%
* Annual Expenses: $45k
* SWR with 0% failure: 4%
Raw/chart:
* [Net Worth](https://imgur.com/QKTiXQg)
* [Chart](https://imgur.com/kBqnHT0)
Pre-Rebalancing Asset Allocation:
* Domestic Stock: 41%
* International Stock: 42%
* Bonds: 6%
* Cash: 11%
**Reflection**
Financially the year was another good one as the numbers show, but hey it's difficult to really muck things up all that badly with the year the markets had. The biggest change was me being laid off at the beginning of November, but as far as the year as a whole is considered it had no material affect. Going forward if I do not find work in 2025 it will have a larger impact, but we should still be able to contribute roughly $50k/annually on my wife's income alone. We're also in a territory where working is more of a want than a need (technically FI I suppose!), although it is nice to not have to worry as much about health care coverage and having that employer-subsidized.
On the health front, 2024 was a year of familial and personal health issues. Focusing on those two things is an absolute priority for 2025 and forward. Overall my priority is to focus, really focus, on that all important pursuit of happiness and try to help others in my life with theirs as well. We will see how it goes, but it will likely provide many challenges that are, for me anyway, more difficult than just going to work every day and stacking up money. That sort of thing comes easy enough with enough time and inertia.
I'm not setting any numerical or SMART goals, just taking things as they come and seeing how my wife and I feel (strange thing for me) come this time next year and at random intervals between. The older I get the more stock I am putting in regularly checking in on those things to help inform my decision making from time to time rather than just numbers in a sheet. Maybe one day everything will fully click, but until then.. just another thing to continue working towards.
Hope you all had a great year and made good progress towards FI and that more important pursuit of ours and wishing you a good 2025 as well. If anybody has any questions or thoughts on the sheet or this post let me know. Good feedback is always appreciated and we have implemented a bunch over the years! | r/financialindependence | post | r/financialindependence | 2025-01-02 | Z0FBQUFBQm5teE5QX3EwUkI1VDIxN2VXQXJBdXd5YmlWQ1BfMHB4V2dfVVhQR1dBY1JyUXdJc2wxazMwQk1Jb0pOZ3hUSGxtU1phRy1Ld0Q3Y2ZueC1HVkE0TVgweVBHWmc9PQ== | Z0FBQUFBQm5teE5RTHVBNFFCN3k2VW00d3JtVFNuUjVVWXQ1UVJYOGV4dm1TaFRNbjJJMHBRU19EY1RGamlwMW4tYmNLelctYndHQVNEZVJjWWdCcHRreDlTeExZc0d5XzhCSVBhdWFuN3BIQl95N0UzNllSeVJ1TlgtLTlVbDRhQTgzVEZyWVp2d0dsNHB0Nk4zZU1Ic1FlcmlBMlRtZW9iU0Myd2lmc0dtcEkySlBPREExaG9LNVYxLXcwVkMxU3V1QmVETy1adVdU |
Not a rant, but for all the folks asking basic questions, please make sure to search the sub and check out the pinned materials… many of these have been covered multiple times…
Also, ChatGPT & Claude.ai are extremely helpful…. Ask it questions… and if you have a specific setup you want to learn more, it will explain it very well…
| r/options | post | r/options | 2025-01-02 | Z0FBQUFBQm5teE5QZHJwR2NjQzZWQWNxb0c4VXNnZzlaRzNMZWxJOHRJbVQyM1JMVTVwZmZMMHVlSUlyTG4zUzdpSkh4NGVQakN1VldNeDhWTDQyRDRGVnZYYm9iXzNGTGc9PQ== | Z0FBQUFBQm5teE5RQU5vYTVSa2hMd2lhZEx5SlRxNTFDWjFXTkpwcGVDU3RGT0NadWxVWGFNclhORzZLbWxOUzNTMmJ3ZGNLaUtZTW9MM1hyMFhiczRDcjVLeVlCZkJWYmNyRl90Zm5ZYmhoY3pXX1k5M2VXcW1ETFZOWGd0eGlTbG9lNWhzLTI0WWF0bVVteFNKLXd4c2RMaWFNSHlIQzdwTjNEUmI2Q2EtRGZkM3RrbVd5WXdhcEhJdVNmZnQ2NkxuTTVXS3JtcFVvRHBSVTl2ZjFNcXdyV2JCNWFONDJzZz09 |
thx! | r/algotrading | post | r/algotrading | 2025-01-02 | Z0FBQUFBQm5teE5QSnFaNzR0X3JsLTh3MU0tV2dhLUVFblFLVkI3RzFZT1VvN01FTEtEN29Ta0Njc0ZacE9GbGZXWHc1RW5uM2pDNFdETWlScUh5ZWhrR3BQUWVxTU41M0E9PQ== | Z0FBQUFBQm5teE5RNHdZRDBLZjQ2N0xFa2xwSWo2dF9iMWd4SWxJTjJFV2ExZTA1cmVGdU9Dc0lLZXB2UVJ0enROVHNxRWJxTWZyMWZfUV9fdFQxLUxpbktIM2dmMmhNSGhFdTVyYmlrOVZTWDJlLU9mY0U0TDdtYTk4amtOeTB4dm0yVmY3dVVSS1c2dFBkeF8wcllYc3d5cDFzQ2ZKTURuWDNveVlaWUF3Nm5UekVoWFJ0c24xcm5WQjQ2MkJ6cS02TllaSmt2MW02X3d5YTM5TThrUGt4U1oweVNhamVUQT09 |
Can someone explain Moria money to me? What's the point of it and how does it work?
| r/bitcoincash | post | r/Bitcoincash | 2025-01-02 | Z0FBQUFBQm5teE5QSU54eHAtQ0NnaGxZeG9XOE00eTNIUm5mRHRhRDZuNVNpQ2ZSM182UlZaZHFUU2Ixd0RPVFRtQ0JzY01fbTNWUVc0ZW5QTmpYZFRfWEZBTUg2dlUzcGhva1hESjU1OU50Ui1vY0JIQzVkMjQ9 | Z0FBQUFBQm5teE5ReTh5QzV3b2gta29ZazZJRWx3WkJiMVR1SkhTRkI1QXd0bHR2UzczMkpWWHJIU1FyazhTSDhGT2xJcVJ3eDh1ZnNqQWNEaGZIU01sQXZINkdFdHh2REgyY0V3SHFKMUMtdEVlUlZybFhsODBrQ1BmNHJGaWFkQ0NQTy1idEIwY1NfNVA1cF9NVk1yUFd5UzVRa2pJdlFQZEFvUFhINUJ1cXQ0bEx3LUtIUmlVPQ== |
As the title states, in a bull market the money is in Leaps and SPY calls; does this make the reverse true, bringing a wave of Put Options written during a bear market?
If everything starts falling and equities are drying up, how are the contract writers covering the contracts in a bear market? | r/options | post | r/options | 2025-01-02 | Z0FBQUFBQm5teE5QZzZxV0dQRmRDZGM2RHo0RER5bGVkeGwxSzVzMm1BaFZhb2dLTnpBYUVmcGs5a25fWWxqeFNna0tzSDZ6Y3pmeldlejFtSFVFQkxzZWI1U0hnOUxrNXc9PQ== | Z0FBQUFBQm5teE5RRXJOWEpBZU91SC1zNHBYRmNmRXY0QXlKZF83WkdZeDBwaFpuaEUwWFRVanRuWjZMTVo3SVhZcTlEYlNvV1hzTjB6TF8zaUVEdTNWWTdQVXJRTlQ3SmU2Yk9Ka0VJdUZCQXdCZTRTZjgyV1R5VlRrZEZ0emFGMFp6bXQzUHdvcGlYLWg4cmlxWGlOSE5ZMlJVRjNDZmFWMFB1YlNtaEREdTNtd0d2eVZsRThOOVRaMU9SM2I1MDJSOTZBMVRBdTFRbVVReHNOeGxjYnlQTW9kZDdhR0tGdz09 |
I’m wondering why others feel DAGs are the future. If I’ve done my research correctly, (correct me if I’m wrong), DAGs are very fast but not secure and when I look at the future of this tech people much appreciate security over speed. Hence why I feel most likely want to drive and fly in something safe and secure rather than a race car or superjet. What am I missing? | r/cryptotechnology | post | r/CryptoTechnology | 2025-01-02 | Z0FBQUFBQm5teE5QdEx0encta0hPT3hQTG9ZYnFzMmdMUVZfSVY2RjctMl9Kd29SdlFOa1Y2OW1yR0d3eUlFQW1uT21MUzJzeFZUckZ3U0VnemZSamVKOUdUZ1FMdE5jenc9PQ== | Z0FBQUFBQm5teE5RQ2ItSjhsa1dLNE1LRUJJX3pWUkVqQ2tfamZZQTdidXFmSl8xRTRucmRDMGtfejRCQmxZQmZkUmE0bWtGTGNBeDRsRDM1UW9RaEx6RF9KS1Q5aHBuVXZRc01Xc1M2TnRjV0lXcmVuYTBXaFJ2bFJpc3pMbncwQVh1TWJCWDVrR1VISURuT3MzMkI5ZmxSV3FXai1ocUpuREZBVDZWaXNYVDltdWlEZ3lTOEVBPQ== |
Hi Folks,
A Happy and Profitable 2025! Kinda of a basic question, but still struggling to find a solution that fits my workflow. I am looking for a watch list tool that has the following characteristics:
* Multi Column, so that I can track the number of securities based on different criteria like Industry or Geography.
* Need MCap, not just price in USD
* Should function across Geos. I am okay with a 15-Min Delay.
* Ability to Categorize (Index, ETF, Groups).
* Support a large number of tickers \~ +250 in possible just one market. Suitable for a Mobile / iPad workflow since I travel a lot.
* Have tried Yahoo (no categorization), Trading View (no column view), Koyfin (no delayed quotes for international markets), OpenBB - No flexible / customisable enough.
* Multi-column view and real / delayed quotes are non-negotiable.
Looking for suggestions ! Thanks | r/securityanalysis | post | r/SecurityAnalysis | 2025-01-02 | Z0FBQUFBQm5teE5QeTEzZk9JUjRja190ZmpPZmVBRzlYMzU3TkZKSDRDaXl6UDN0LUNJLWd2VFVjcFYwZ1l4Vk1JaGU5aDlSckJwbzU0OC0xMXB4SldCdXBEdFFHYkh4Qm13aFJUT0Q2bFlNZldlWmVJNDRoM0U9 | Z0FBQUFBQm5teE5RRndvZ2FOaDgxUXZoSnE1QzdCaWxNdzVTMFBvOTQwdEhoLTNaajEwUWlNcDhLRTZ5WFJnMmFmVEdablkyQXNHbmNhT25nTjF6dkxoV3JYZDgweG93a2J5bUlOYjNPdWlrQmxHUFdjVGtYcG1zN2NmVEVuSVF0VFM4NnZDOHhrSUMxeU1tODltSHJzVkJ5Mjc0SGpKWTFuN2tETnpOd05Xa2pDRFhRbUVJeEg3LUlWSk0zQ1AzckNKNmtVZlJ1ZFd6WjhuTHA5X1B2MFVUZlhiWnJlSUg0QT09 |
And his way of explaining it:
"What are Bitcoins?
Bitcoins are a new kind of money. They aren't created or controlled by a govemnment (like dollars or euros), they're
created and controlled by anybody who wants to be part of the Bitcoin payment network. Visit the Bitcoin.org website for all the geeky details.
How do I get a Bitcoin Receiving Address?
Download and install the Bitcoin program from www.biticoin.org. At the top of its main window it will show you Your Bitcoin Address.
I've got Bitcoins; how can I help?
Send them to the Bitcoin Faucet and they'll be given away. It may take up to 30 minutes for your donation to be added to the amount available
What's the catch?
No catch- want Bitcoin to be successful, so 1 created this Ittle service to give you a few coins to start with.
gavin"
[source](https://x.com/DocumentingBTC/status/1874622604537167988?t=aV_EHFFSpzlO9i7dN7PPfg&s=19) | r/cryptocurrency | post | r/CryptoCurrency | 2025-01-02 | Z0FBQUFBQm5teE5QQlZzZ1B0dVBPU2M3V2ZaWEJYM0hmUkFYSlQyYldXSTFHN0lZV21UdlJzN2NwS2QtNjBjQVlmeXR6Z0d6LXhmRXhoVEpDRmxKTG55YVlDaGFmQzN1ZlE9PQ== | Z0FBQUFBQm5teE5RQkNLNzlycEJVMDg0clFwZE50bWJJMnVpaFg2ZzNUanBkSFpSaEVXX05oVGVHaEozZUJRR1RKMktTOE1Bbi1femIybElDMlFrWjJjdlhLWGZXMzhLblNiUkpleXlsXzMxZ0kxOHVnRXNTNmtKanMzc2hHU3pOUm95aXpINWxOUGhsLThobjUyOWEwdl9OTGhrNU5HT3YyRk5IdVdHRzdZV3g2dTc1STViZjNwX0x4X0UxT0hnUHBpMmN2dXJFWXNqTnMyTWk1SkJJLTliNDBDYUdkU2xZdz09 |
FOMO will kick in soon enough! Let’s F\*\*kin Go! $LFGO!
https://preview.redd.it/ehly2t8iliae1.jpeg?width=1024&format=pjpg&auto=webp&s=c6a78004c04223e6ea7ee996b1c58160febf0d6c | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-02 | Z0FBQUFBQm5teE5QcHVxTDBONXBFVkg3d1JqQWFPU19UZ1RFZEZ5VEVCVXFQQ3ZNSTI3RmZOaHZpc2RtRldEMWVpMEwyLXROLWRzMjVaLWdaTlFyQ0llcmZQaE1yZ0M1TGc9PQ== | Z0FBQUFBQm5teE5RazZoaEZScnNjSGtYWTVrbVNqTVVNVm1zWnphMjVnZGxqd2k0TDVyVzVyUlA1WlhZTUx3Q3pmcjJHaDFNaVFuR24xblZ0NWtORTFCYTFEd1FfT1M3YXdIdEg3ajhlaVctaUNTbUhkRkJhbTBnVFYzdGNmb0doU193SzNaTFVLbTJZXzl0OExIcEYxSF9INDUyVVNSaUFhaVhSczNOX3dGdVpGa2M0aF9qMHRHZ3NjVlhYSUpPM3JXRHBWaFhqd3NB |
Luck had nothing to do with it
We just hodl through the dark times and believed | r/wallstreetbets | post | r/wallstreetbets | 2025-01-02 | Z0FBQUFBQm5teE5QbW43V1hDT1Vid0FHcDJXay1MbnlDX1VNMy13alloajhkTkhYd3FKdmt4M3EzQUtRd1N4NFlmRkFfaUhiUnBrclhiX1lLdEFYTW9qSG0yQ01RTnl0RlE9PQ== | Z0FBQUFBQm5teE5RY01lN3JWSnRJMk1VamFuNDZXREk2NnhFd0FGZWdBMnp0MDRoMGc1eWZ6Ynpjb1BjUEdSWFJNNzhoMmdaNjJUMVpsMldOd2hOVV9tNG5oTXZkMVZlWDlWY1BUa2YxMzZCWGdwVldDOG54SWtrWVRicnVDSW9XNGRHcTZNeXBQVW95TmRlNXpRSTlkX1ZzT1dKU3NhWWYwVkhCNGlDLVgyYm1yZ1B5d2hFcjNEUEZHRnNpWDhKbWNwa21UVXRxTVNl |
Luck had nothing to do with it
We just hodl through the dark times and believed | r/bitcoin | post | r/Bitcoin | 2025-01-02 | Z0FBQUFBQm5teE5QdEVrRm4yNC1iQkJadUlsU0p3Y0Jja1E3T21sM3F3aFNDLTlPTVlfTUlTR3BzMno5Y2pxUm1MTkdHR0ExY3lIVFRrdmVkSjZuVWhVM0tlSnhTNk5VcFE9PQ== | Z0FBQUFBQm5teE5RTTV5ejJoVVNuUG5VSzYzSnBfMkNuWU5fNjkwaV9kaEV6bS1ERjhFVVpvM3ZrTm0tU1J1cjJkTVdpSTV5c2djQXNBenJId3hZVl9pR2paWWxyY3MxVzFaTF9jNE9UcFRDZlhGeUZjdEhWZFZDRXJwaDIyQVl2b0s0RTcwY3RnXzRYS0FWcmd0dEFSbXlSX3NGMkNQdnNISW9Db1JGUXNuMzFJTkw1ZG5TcTNWQXlDTTVBeDFWUFpBbHlzQmtObV9k |
I have some solana to burn and I'm wondering if I were to start a memecoin on pump.fun and buy 500 sol worth in the coin, would it be possible for someone to rug it?
If so, how?
To my understanding on pump the liquidity is locked when it's moved to raydium.
So how could someone rug my sol on pump or raydium?
Would it be better to slowly pump it over time? Won't that look shady pumping it from one wallet? | r/solana | post | r/solana | 2025-01-02 | Z0FBQUFBQm5teE5QaG5kanBmSVV6d3VPZGpZdE1xRGRjclludWxZenJaQ1ZpMHh5UnpNenlVVXRxaGd0VzdYdnkteTc2VDFBeHh3STUzbm5ZMzdOOW5id05YcHBRNndjRVE9PQ== | Z0FBQUFBQm5teE5Rb2hLUmVkX1FHRGxYcnBZakV1THJ1ajY2ZDJoOTNPMjhRak5WUkV5Z25zSmE2VENFZm1zNlFRUGZIdnhSQkwySC1ma1A0SUJ1MmVuemVtaVhhN2hkTlY1WmRROFVPNGFnUk9ndWRiVXdfRHQyLXU1Z082M0NoYmlIWDZkTHlMM0ItQ2RPdjJxY01fc3lWOTcwZjhYY0FmWDlhZ0ZBNzBUVTNSNGNzNnp3SEZhU2ZreDZTRHd2VzBzWnhKVm4wV2pMZWdGXzNabTNFUE9aQTJFYTl1by1SUT09 |
I've been investing since I got my first job at 23. I started small and increased it along the way. I'm 33 and I'm maxing out my 457 and Roth IRA, put a few hundred every month on a separate brokerage account.
I have a goal of being financially independent and have a million dollars in investments. I am set in this goal so I made it a habit to be frugal and live simply, below my means.
I'm really mindful on what I spend but I would spend on quality things that I use everyday.
I feel sometimes that I'm missing out on things. I have friends who are travelling all the time, eating at restaurants almost daily, and buying luxury branded stuff. I feel like my life and my hobbies are boring as compared to them.
I am focused on my goal but I can help but feel small because I have to consider my spending especially when they would choose a more expensive restaurant or hotel when we go out.
Do ever feel this way? As much as I don't want to compare, a thought would creep up from time to time leading me to wonder. | r/fire | post | r/Fire | 2025-01-02 | Z0FBQUFBQm5teE5QWWRmX2kzcHB3aG16Z3hYeFBCMV9hcElHY0dneUFHbnNGRzU3VS1kaHo5bWtVMHhMOFRiNF9kR1cxeEd3ZVZEQkdzUndtNjk0SEY4OFRBSGdVYXIyWGc9PQ== | Z0FBQUFBQm5teE5RTjBOVFZiOEFaX0lndXRpRC1wSnRRQV80bTluZGhobVhjSXczV09ndlRGMGlRLVBJTlNFbVpKMUxzWW9IS0NBOUNFM3lqcWtwclNXTzdNemNCRmluZThNSHNTQ3NFUVpMT3Iwck5TUFU3dTlWVnlaRWF1NHJIMmNaVXZXRGw2RXA0d0U2TGZhSk5jektjQ3JGMTNldUlDdmw3eWpWY1VYRk9YYjROT1ZYZXhycFE4TzF5OHREN0owZkpQcnRUWkpZ |
Let's be real, Government is a great thing but with great things come bad and it feels like they want to invade and take over our privacy more and more every day. China has already banned crypto because they don't like the independence factor. How soon until other countries and corrupt governments start doing it? Imagine Canada or US banning crypto. It would cause huge price crashes due to less people using it. Will this be a short-lived Golden Era of financial freedom due to its recent popularity or will it continue to thrive and give us all a way out of government control? Although the currencies would be able to still be used either way, they would certainly not retain their value not being able to be publicly used. | r/cryptotechnology | post | r/CryptoTechnology | 2025-01-02 | Z0FBQUFBQm5teE5QN0dKNmtUTktoWlFiS2hhajV5WVZjYUJidUFfM2FVSXktOHhlcWRCbnNJeXB3RVNhZkUyM0UxTnRJU3F3dGZ5bFZxYXJGQ2N6TE9iWnRlTDRjR2hOeVE9PQ== | Z0FBQUFBQm5teE5RMFZCTV9EdU1nTjBqZkkxRVVoamdWMVdkbEowR3l2QVFEdWZBUmZ5cDBoaHBEM3R3MVRDa0RvRlV5UFFFLXRLZmhYVmZoTHNBSktTRkpKc1M1X0lCQzRyZXdReXljUU9DeEtBTFFrMmJJQkRTbi0tM0g2eUY3b2hZV2dVTHVSNEpTZHRMYnlEVlltRzZXLXdKMlRMMnluWU1xX2I3QmlyeTRvY28wNXRNRE1nYkNrNzRNVEFKRC1UWmFvMlg2TGg4 |
TAO may have big dips, but it runs are even bigger.
20th of Januari Trump hits the office and decentralized AI is a huge topic.
TAO’s time to shine is about to start now.
Enjoy | r/bittensor_ | post | r/bittensor_ | 2025-01-02 | Z0FBQUFBQm5teE5QbVRXbG93NWdNWi1UVXlrc0YtZTE3NUlIalQ1Y2tRMGdnM1FUTEJTa2FsYncwVnUzVVB2LV9WdE1RMzBqRG5ITkRDT2RVQlMyUGdTdGgxbXJZSjRFMXc9PQ== | Z0FBQUFBQm5teE5RZkpCeW9CVzBnME1PRjV3cmgxUzU1TDRwc0RMNHNJMC0tRHJGcUY2bXBkNVdVcTJaNFhwSURWMjJVQ1hCQjZJRXZkWU9hSm52eWVSalhKY21Odmp5X3V6YUxRWXlwb1gweDNDQWVYQnd4STFYbmprODl2SWZpUHNlczVjRGZ6YmxldnlUYmhSVE5KeXVTNVQzOWRnUThUX3lPQ1dMR0JYc1U3eC12X1RlQWdteG5KVFRBTXFXUGZ5anNGNzlmYk01YmxUbjBzMXFfckNESmIwcER2a3V0UT09 |
Hey Stellar enthusiasts!
I’ve been exploring the potential of the **SCF Kickstart Award** to bring innovative ideas to life on the Stellar blockchain. The program offers funding of up to **$15,000 in XLM** and mentorship to help teams turn their concepts into reality.
I’m currently working on a project called **PublicX**, which aims to build a Stellar anchor capable of handling over **300,000 crypto payments annually** for municipal services like tax collection and welfare disbursements.
Here’s what I’m curious about:
* **Have you participated in the SCF Kickstart Program? What was your experience?**
* **Do you think SCF Kickstart is a viable platform for launching impactful Stellar projects?**
* **What would you like to see in projects funded by SCF awards?**
Whether you’ve been part of the Kickstart cohort, have ideas for enhancing Stellar adoption, or just want to brainstorm, I’d love to hear your thoughts!
Let’s ignite some collaboration here. Developers, innovators, and community members—your insights could shape the next big thing on Stellar!
💬 **Jump into the conversation below!** | r/stellar | post | r/Stellar | 2025-01-02 | Z0FBQUFBQm5teE5QblpiZVVCZVBFQ2FtVEJLY3RaXzB4RUZaMG5sNzltZWtRaS1RY1hHVDIwMHZGS25xRjhVX1RCVV9yc2QzM1hCeXRhWEQxaDFZNFZTazY5LU9raGE0R0hwSkN2QVFiajVLdHJLcUtaeFNlQVk9 | Z0FBQUFBQm5teE5RMGZEOWpuRi1Zd2xCTXV6cEMtMmZDd0NqX05zdzc4ZjFObGhXODd5U3d3cXI2QjVzT3AxSGFNQjVlTXBmaWF4bFBuS0VLUlpzdkwweFZGbE9LaVVTb1NvZXNVd3huZV9aUEhFWXZzVDZwSUhXdTRwR2JCOXVWT1U2TjVFNHdSNTN3NTZJc0haSVQ3b1VRSnpIMGRuQkFfRnE2UUd3aVRlRzVYanp4M3hidW5mclVfWllUTDhOY1JIMEFjNl9OYWE2Z1FzYkpZMTJlVl9paE5EcWlnQTI0UT09 |
Hey all - I'm building a whale activity tracker,currently only tracks ETH & LTC, so what I wanted to ask is if it's needed for BCH, and everyone can see any big whalemovements.
The process is free & is posted to our X ([https://x.com/krypt\_drop](https://x.com/krypt_drop)) | r/bitcoincash | post | r/Bitcoincash | 2025-01-02 | Z0FBQUFBQm5teE5QR0RKRmNfaGYyUzI5V0I3aHE0TTlFRVNONlJEMTRkbTBqRW9SUlZvSlhFRDhYVDF2RXFlNnpweEMwc3pvUEZZZHBGS25tc2M5dTZrUFZwa255YVFVV2c9PQ== | Z0FBQUFBQm5teE5RYzZrR3Y5dGpMbXEzVWFmLVlza1A2TFdXNFAxdkVlY3FKczFCeWQ0QVdHdS1RaWctYnB4c3FPV2RPZ3EzRFhqcUw5a09tdlJ6QTRud0NOUmNxSlNkZmY4X2hpNjJvbXhqdXVXMzY2d3Z1M0c1X1RnOUszWnAwdHozbGlzZzFLeHRCOUZIU2x4eUItUFZYaEx4ay1UYzAyS3VsU2paanFxUXYtY2dmZ1pwWGlqSVc0UVp5UzFjc3BMOVp1b1MyT0lZRVFCbllOQzVzcTFsN1NMc18xNnd4Zz09 |
Can anyone explain in simple terms what are the differences between a non quantum resistent encryption (ECDSA) and a quantum resistent encryptionn (XXMS or non-ECDSA)?
I find this subject really interesting and I might consider to invest more into quantum resistent coins like QRL, because Google had launch like a month ago Willow chip, which I think is a *message for the future* which suggests that most non quantum resistent cryptos will lose because of the lack of resistence against quantum computers. Of course, I know that quantum computers are not right now a threat, but as technology advances, it won't be the case anymore, so to get more in common with this subject won't be that bad. | r/cryptotechnology | post | r/CryptoTechnology | 2025-01-02 | Z0FBQUFBQm5teE5QTElJTXk2YmFXVlNTZFJjTXoydUtuWld0WEN0VzJWc01ERVFZMTlBZ3BuSGU4dDdIdUtac2NNWWlENVFRWWlNME9BU0RYOWtHMUJVYlE1Z1FzT0hkUVBtUlozNVpyZUJZeGl6cXhxM002WEk9 | Z0FBQUFBQm5teE5RUzNJR1JpOG9oWGN2eHJiMEtpcGlTdnFhazRQWmV3Y182TzYxeHRrd1pXLTVCUUs4MURsOVA4XzIySWpISklOWkZwYmlkVWFqaUgtSkpJMTRJLW1fQ19vMzB6bFc5Vl9KM0ZxRTRQVUdiN1hrYzdrdjc0WDdNRW1ZRGNCV05sdTNrVE5RTEhldGJDd2pYbWlELURySEVDT084ay1DMmdUTHhJZFFyMWZnTVVfMDFVWVVrZGY2VWVoc0E5ZmMxb2U1WWI5VkxRckZLZzBrOFptcldBQUp3Zz09 |
Looking pretty good if you still got em ! | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-02 | Z0FBQUFBQm5teE5QbklmVWk2cDVqcEVlMTBxVS05MThzeU9pankwN2NLMWJYdzlxOVYtdENzT1NZMktUR2JsOVpHV2VpZlVFMWp2X3RjdzE5UXVHbXN2bC0xZDhoaFJYM1E9PQ== | Z0FBQUFBQm5teE5RUlRKT1ZJUm9YMWhPc1lfYTE1YkVvWC13UWJoeHZfQ0dKalV4UWpBaDBTc0tBc19UQk1HQTJ2Y1did2cyRk9vZnBlejdERGlJVFVtRVMxbGt1dWowTmhQRWtlSVY0ZGJRYm9hbWlzYnZEQUh4dDVXd04xa3ZDVEV6N3dOTXZQbVR2dV8tRzNhUXh5X0NRWEIxc1hGY1VKZlpEQTFnd1Uyc0YyMDdrMnpqSGlvd0VxckhUaUt6WkRWSlotRzhoZWNGRGJ5Smh0X255SFUyeXFNWTZPSGJCM1U5ZXNkUmxQeFZYYTVPOWxRN0p2ST0= |
Subsets and Splits