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https://kuno.anne.media/fundraiser/o5ge/ | r/monero | post | r/Monero | 2025-01-02 | Z0FBQUFBQm5teE5Qb3hvaGRTM2UtQUhabjJaLVhwVU4wOTZaZ1BRWVV5ck5WeXhuS2JabEU0MnZhTHZobERvMThGZGVOck5LcEZ4NmdfajVoTTF4S0NLTHkzQTR4MkNyblFicDRqR3had1ZETFd1N3Mta2FRMnc9 | Z0FBQUFBQm5teE5ROFpfRUQteUdKajdXa1NoVk95SWZjMTlxd1hhOG5NVU1lUzJWc181WWhteTlwTEVYMDFDLWluTTQ0S2FjTjlmdWZURGV1MVpWSUF1TGJOQVdaM3U1ZkV2M0I5eVVFWVdvanJKS0RGbXFtTDFQMFZOcXh3OEtyMnh6aFVfTGNaR1VOWkpCRWY0U3kwN0x3N1V5V2FuMld1dXNjRnlCR1FyUnRvOGFmbzAwaG1wSmJtY3h2ZEdqZXRlN1NNaGlpaW1rOTVXeVRKTnJTakxLdHU4ckRUMTJuZz09 |
32F and about 2 weeks shy of my 30th birthday; I swallowed my pride and faced the reality of my ever increasing debt. At the time I was over 21k in debt across 12 creditors. There are so many reasons that my debt spiralled (and I’m happy to answer any questions on this) but they can all be rooted down to a lack of foresight, financial education, and impulsivity. 6 moths before I decided to contact StepChange, I got my first payday loan (despite all online advice rationally saying stay away and that no one is the exception to the vicious cycle of extortionate interest rates, I was in denial and thought I could handle it with no serious consequences- clearly that was not the case).
A little over two years later, this morning my final direct debit with StepChange went out to my final 4 creditors. Fortunately in the past two years my salary significantly increased and my rent + bills decreased, which helped me in increasing my monthly affordable payment amounts. StepChange have been fantastic along the way; I honestly would have not gotten to this point without them.
At this very moment, it honestly feels surreal, but I do feel very grateful and looking forward to continuing to build a healthy financial future for myself.
Please feel free to ask me anything. There is a lot I learned along the way, and some things I even wish I did differently during the plan itself, but overall very pleased to have gotten to this point. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-02 | Z0FBQUFBQm5teE5QMzJtMUNfYTFyazV4ZnpoVnl1TmpWTlpxRFE0eU40X2RPRXZHcGNadUZYT21rLTl5TDY5WGdMeF9oWVlTTGItZFBPZmF5Z0Z2c1hHbWVTZzdITnNmVUswU05Yd1BKVERyVjBjdFV5UUt6UWc9 | Z0FBQUFBQm5teE5RTkYtWDVVNXBXUnFCV1NRa0w4ZE1NaDlNTjNoaF9DUDZ0QWFHOHZYVnljclo2bzRNTFBkTXZzQjREVThYdE1aRU9KUEg4YWJlZmFSSTBFcjZaQkxVZTl6OVhtNV9fd2FqRk1DQU5VRFV6SnBRTVl3SkpKTXRJVGEzNC1BLUtKN0UyZU8yWExRd2NqSmlobTFRQkVOTi1NUEJmdWxPQ2FCVUhteTFFdWpEMlZIQTJ3ZEVxV08zSk96U0JyTkM1dmR3NEJ4TDdYZlNEdnUzWTR5azZyeE85dz09 |
**Year One**
Yesterday was my first full year of being FIREd! I’m not really sure what this post should be about. I thought I’d share a few notes on my first year experiences and spending for those that may be interested. I’m 37 and have retired with my partner also in a capital city.
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**Withdrawal Rate**
While working towards FIRE I was aiming for a 4% safe withdrawal rate (SWR), and adjust as needed should there be a big downturn in a particular year. I ended up working several years longer for a few reasons and when I was ready to FIRE on 1 January 2024 this SWR was down to 3.4% based on expected expenditure.
For 2024 expenses were 3.6% over budget, which meant I ended up with a withdrawal rate of 3.5% of my starting net worth.
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**Redraw Method**
Quite simple at the moment, for the first 3-4 years my plan is to spend the money I have in cash, combined with dividends received from shares and property investments. I won’t need to start selling down shares until after this initial period.
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**Net Worth (NW) Change**
My net worth for the year, inclusive of investment gains and spending, increased 9.1%. Many people appear to have had far greater returns last year. I think this is due to property investments I hold in commercial syndicates and PPoR, both of which have decreased in value.
Investments
I have roughly 65% of my investments in shares (direct and via super fund), 30% in property and just under 5% in cash.
This year instead of paying off my PPoR I decided to try debt recycling when refinancing, so I’ve recycled 90% of the loan, with the remaining 10% in an offset that I use for spending. It was an interesting psychological choice to debt recycle when in retirement - on one hand I’d have a home without the need to service the loan and therefore greater spending power on other things, yet now with debt recycling my spending increases due to having to pay interest on the loan, but with the opportunity for greater future gains in NW. I did this around July so will do a full write up and analysis once this has been a year.
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EFTs -
First ETF strategy: 40% VAS, 30% VTS, 30% VEU
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Second strategy when I debt recycled: 100% DHHF
(I would have done this, or another all-inclusive ETF if they existed when I first started investing)
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Super -
Hostplus Indexed Balanced
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Property -
PPoR, 6.04%
Investments in commercial property syndicates
Investment in monthly income trust, Trilogy Funds.
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Cash -
Sitting in offset. Use credit card for points and to maximise length of time money stays in offset.
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**What we do with our time**
Honestly, since FIREing I don’t know how I kept up with a full-time job and also had a life! Only it’s worse since I also used to do a lot of overtime, weekends and nights. I guess I didn’t have much of a life when I was working compared to now.
We’ve done a fair bit of travel this year - five countries in total for me, and three for my partner. On top of that we’ve spent time around the country catching up with family in different states at least 8 different times. We’ve moved cities, so that has taken up a lot of time setting up the new house and exploring the new city, meeting new people etc.
Days in general, when we are not travelling, involve waking up whenever we feel like - usually this is me waking at 7.30 with the sun, chilling on my phone then dosing back to sleep! Then one of us will go for a coffee run and before you know it it’s 11am and the morning is gone. Which of course is fine, because we can do what we want. Some days I do have feelings of guilt “I should be doing something” etc. After lunch we might do some gardening, gaming, my partner has several different hobbies, afternoon is gym time then dinner. In between all this we are exploring a new city and catching up with new people for coffee or drinks trying to make some new connections.
This year will be much of the same, more travel and settling in to our new place. I’ve only been bored a handful of times and have so much on my to do list the next year should be OK too. I was a bit worried about what I would do with my time before I fired, so I’m glad that year one has been a blast.
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**How I got here**
Worked several jobs at a time throughout university and paid off hecs debt early (back then it was a 20% discount if you paid up-front). I had a good paying, albeit demanding, job once out of uni but more importantly saved a lot of income. I tracked every single dollar I spent for 7 years. I travelled overseas once a year during my entire working life so never missed out here. However, I will say that my job often came at the expense of friendships, of which I could not maintain many due to general lack of availability to hang out. When you keep saying no to things, eventually you stop being asked. A lesson learnt. That said, I did and still have some friends, a great partner and good relationship with my family.
After 6 years of full-time work, I started a business which increased my income a little and then had that for around 8 years. Mostly however it is because I started on the FIRE journey when I was a teenager. I bought my first parcel of shares when I was 13 haha. I knew what I wanted, and worked towards it, however didn’t come across this FIRE term until much later. I actually reached my first FIRE goal on the eve of my 30th birthday, which was quite a cool milestone. When people say “you’re quite young” to have achieved that, you have to remember that it’s been more than 15 years I’ve been working towards this. When I was in my 20s I also had unique ways to save money, one example being through housing, I rented larger houses in very nice areas as the “head tenant”, sublet the other rooms and barely paid $35/week rent for these million-dollar properties. I did this in two different locations for over 6 years. The money saved from rent alone as I’m sure you can work out was significant and went straight into investing.
I’ve tried all sorts of different investments throughout the years however honestly I’m not a good investor. The best thing I ever did for myself was create an ETF plan and stick to it.
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**2025 Budget**
I really am trying the whole “4% rule” strategy; even though I started on a 3.4% SWR, so I’ve increased our budget for 2025 by the inflation rate for the year which was approximately 2.1%. This is now a 3.2% redraw rate based on this year’s starting net worth.
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**What Else**
I don’t really know if there’s anything else people might be interested in or something I’ve missed. Let me know if you have any questions and if are interested in actual $ figures I can probably reveal a little more about this via DM. If anyone has any feedback on my spending, investment choices or calculations please let me know, always happy to hear if I’ve made a wrong assumption etc.
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**Summary**
* FIREd one year ago with my partner.
* 3.4% SWR.
* Overspent our budget by 3.6% and ended up using a 3.5% SWR based on starting net worth.
* Net worth increased 9.1%.
* Had a good year, lots of travel.
* Increased 2025 budget by the 2.1% inflation amount. | r/financialindependence | post | r/financialindependence | 2025-01-02 | Z0FBQUFBQm5teE5QdGp2TEFpY3RyUFFBTDRsSTBERkowdzhoTUFjNGlZZFJMQzk3S2ZnYjNqSG5UMGsweHU0amJXRW9UQ0dWdEZvTEQxTG9aSEJNYXpjSXVOZHY5ZVJsUmc9PQ== | Z0FBQUFBQm5teE5RVjV5Ti1vYzQzUWI1a3gwQ0tzTkg4bkVYNHRkUUJwUHV1MTh3R1ZDQmtuWkFPT2VIazU0emFCWmtOczFLOHhYTlBoYjZCeVEwdlJxMEI1WkY1TURiTjd6V0UxUnhLdXRjakVoZVZ3anhITk55TnVQT0ZwM1JsOGt6SkhjRFZRMlpXSFJfZ0xpZ2tIemlLZ2dmU2d6RVUyWGNBZ1dXY0ZKWEtTeURQNXFQd1BXYmhvMDVVRGRxMHd6WEI1eUdwZlVZ |
Hi all, new trader here on a paper account. I wanted to check this is correct please :)
\-Paper Account set up on Trading View with £10k Capital 1:1 so no leverage (to keep fees down...good idea?)
\-Trading BTCUSD on Coinbase, so <=0.4% maker, <=0.6% taker. I have set my commision % in the paper trading at 0.5% to be approximately accurate.
\-So here's the question now... When I enter a position with 0.1x BTCUSD the transaction fee at 0.5% is £38.60 (£96484.00 Bitcoin price x 0.1 x 0.5%) Assuming I close the position, I will be charged another £38.60, so £77.20 in total fees for the trade. This means I need to make more than £77.20 in the trade to make a profit...
Is that right? Just asking becasue the whole price action move today in total from Highest high to lowest low is £181.00, which would mean I would need a significant move to even break even...?!
I have been learning to profit from small market movements and quick trades, but this isn't workable if the above applies. Any guidance much appreciated! | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-02 | Z0FBQUFBQm5teE5QSW5FOXUyd0NBM2NNdGhHWHBORnNjc0dleGs2aG93QjNNb1ZsU3NfUzg5ajNYWmQ3SmpWSGt5cnFTVUZUcnN4T2pVQ2k5MVZXZDhYQ3dhRkNiUVoydXc9PQ== | Z0FBQUFBQm5teE5RbVZHZ2Q4NHZIdTNmZF81RUFnd1ZIWndkZlE0X2MwSzN6Vmp4RF82Ym02emZQX0lMaklBT29Jd2FYRGlwV2dTbERSSjhNSjd1QWtmbGU5dUhrLW5aOWdGSFhVVnBzQkRpUHRfdHVZRk05bHlaYlM3NUg2eFlRRDhKMzBGajF4WjdYMFNJZGVfNE5RdlFkS2xRMUlOVzRWS0hIcmEzNEU5alkwRUROTmt3YTVUQmFncEJvaFJyTlhKell0OUczZmZkWkpTcEVhc1pCelZaVUZCWWsxYU9vdz09 |
Hey, I think a lot of us are like me, impatient for altseason to start. Do you think it will start soon? | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-02 | Z0FBQUFBQm5teE5QQTktaHdkTllVdDhxLWRDWVVILUY5Sm85ak13ZGpocWFtVFF0akhVOVNFSy1iZC1sZWFxNTF0eGRoVE04SllqYUkxOGJuWktFRG5XNEpmMVAzQkVJaVE9PQ== | Z0FBQUFBQm5teE5RMXhxN2dwLVdfNzVFQ0htcllxWlVMUkE3aW1JSVVWVUlHUFh4SDVCY05jellEdUNWa3labG1sbHdaVTFuUXM3akhGT1lXTEJuRHA1WE5xQmdUYjRnQ3dxWWdrVDFtaEFrSU43dzY5c2FZWFVWMHFzTkxTRnNZSEVCSk1wd1B5RFFRV2VMOXp2cnpzYWVxaGtuWTl2clBTM29SMVpwNXpKaFZJQXg5eGtJcEZ5TVRtZFhlVlRILVo3RF9zQlN5cWdv |
What are people’s thoughts with most thinking interest rates are going down? GIC and high interest savings accounts aren’t looking too hot, what are people doing with their emergency funds to earn a little bit keep them handy should they be needed. I’ve read treasury bonds are better in lower rate times.
Anyways please share your thoughts.
(will top off 2025 TFSA contributions ofc). Thanks! | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-02 | Z0FBQUFBQm5teE5QY0dkVUxJVEZTcjRVcWJpTUdnSTRSbUJ2ZEc2bU91VW9nN3pDNE9YR1lMbVpYaGVBZzZidmJOcnJoR1pwbFRhamh6MVRFeF9qUWNZeHhIUWxzbDVhdWc9PQ== | Z0FBQUFBQm5teE5RbS1OV3dRSk5LYW5hNS1xV0wwUWFOdExNdGVMSDh4eE5DRzF1Nk5oX1FZRDJYbFFMYklHOUcxbjZTcnU4VktYdlVWN1VVX0h6bi1vZnV4bW1xNXNvc1E0dDlLWVNWbmhpWTJHU3VtRC01ekhJS2pZZDQweUVnMGh6aUdKMEMwS1dDR0FweUVMWHdkS1VNemJsUktMUnVKQVoyRGVGWDgyUW9mcUFGLXo5WnY4PQ== |
## Join Robinhood and get a free share!
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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 | 2025-01-02 | Z0FBQUFBQm5teE5QZUNvNS14cm9hcGsxRGtHUjdRc3dXMjZBMjBYWG5ibUhlTnNDMzdmRGE5MWdWS2c5Vi02cGFsVFNMTTJKcnVQaG9abEh1NEw0THNCbEdPaHZiMkJkeU1LZGpJM2VGVkJMM3RUX1Ayb0JjN1U9 | Z0FBQUFBQm5teE5RS3I1TEFRdW1IX19iZkV5RUJ2Q3M2VEtJZUt5aXZpamR0S254clpNeUgwVkZoR2lsN0pCSE83SXd3dzhWcVZGck9OSEJnVE1BZ2pqaE9Bby1ybmlWTGhfbTJCNkVxeG1xYUM3ZWZ5M0ltMDJBaUVVREgwV1AwMXBQN1p6LVlVdWgtU3FnRTNfeUJyWEdET3ZtLWVvYzRIMVFobE1SVV8yZDFMWGk5NVJQdFZmbENYVEpLaHllaXhIUlItdzdSa2NZ |
$Looby has just experienced a **45% growth in 24 hours**, pushing its market cap to around **$1 million**.
Looby is created by **Stephen Bliss**, the former senior artist of **GTA** and **RDR** games, being an active member of the community and hosting weekly live streams.
We're gearing up for some exciting things in the coming weeks, including a **major marketing push**.
Here’s what we have lined up:
- **DexScreener Ads**
- **Meme Contest & Giveaway**
- **KOL Retweets** for maximum exposure
- **X Raiding Competitions**
We also have **Hege's core marketing advisors** on board, ensuring we're taking the right steps to grow. The community is buzzing, and we’re just getting started.
Join us now while it’s still early!
t.me/LoobyOnSol
x.com/LoobyonSol
r/Looby
www.looby.love
https://www.coingecko.com/hu/coins/looby-by-stephen-bliss
*Processing img op2b65e2fm7e1...* | r/altcoin | post | r/altcoin | 2025-01-02 | Z0FBQUFBQm5teE5QamZXWDJ3RHZxaDQtcGp3Tk42OF9KUHllVzJKVmU1aVpYRno2MGNBYVlUNjVjakZWOGxaRUI5ZmF5cXZsVWlBTjRkT2tXNVduZ1Ntc2huTE9FNnhYck5RVHlrUlRqZGFma09zTy1uUXp2VE09 | Z0FBQUFBQm5teE5RYnNwcDkyZlc4X3NhVkdtalpyZS1jdUhabHBSbHA2aUtoTTNhTTdZcHU3RUtMM0Z6LVZYOFpHUDJDVEpuT0p0WmQ3eVF5UkROMGJqd0JCZEdDMUpvd1ctOGxFdVRPT1BiSFJEeVVIMGxvMTg1MjFuYnYwSVhMNzhCZURYWTZ1cE1qNmlpbWNZZ25lOEI5Yk5PV1Zib2ZwcGJjNHhsek83czNiY0hKU3YyTDhpamtrRHN5eWZJQ2lON29vQkJQYjJj |
I have just started getting into DeFi and started to divide up assets into different protocols like Aave, compound, Lulo, Morpho, Drift etc. But I was speaking with my friend who asked about risks. I understand on the borrow side there are liquidation risks but on the supply side, in the hypothetical scenario that there is a supply side bank run. What happens if TVL is less than TVB? | r/defi | post | r/defi | 2025-01-02 | Z0FBQUFBQm5teE5QeHNPa0dYNllpa1lpb0hnekFSdEM3ZHRqQ09LemdUd1htSjQwa0lNTVRodW1MMUJsTWw5TkpyYzFPUTg5enNodHpyNUpKR1pVZGtqT3lVZzZxakIwMFE9PQ== | Z0FBQUFBQm5teE5RN3lYVlQ0SWZjMlg4YkVNX2k4ZlNzUFRBTkF5NWNKa1dKdTNiZllrbUtlc25tbTg3cUtLYnNKcW5jUjJmbHVaS3lzaEdKYWI4WjB4TUZRbWdEUjFoRUxDdEs2dFB4VXZWelBOdUE4SWVvRHo2WUdsOEF2Sl9hWGZiTk1abXo5cmhKUUlHeDJyTXlUNFdoV2tRT1gtUURGaUEtYmJkQUlvVU9TeVRFeEhOc0lrUmFhRGoydXFfUkdibzEtX2tyRFU0 |
I havent seen interest from big tech, im seeing all the time people aaying how Polkadot tech is at the top which i believe so too, but what suprises me that there is no apreciation from big tech, why is this?
There has only been a gaming company mythos, can someone explain why big tech hasnt noticed polkadot yet (even after so much marketing). Isnt polkadot pitched to them? What needs to change for big tech to start stepping on to polkadot? Are there people in the ecosystem working on this?
Does polkadot have only devs? Where are the people experienced in business and pr?
| r/polkadot | post | r/Polkadot | 2025-01-02 | Z0FBQUFBQm5teE5QcGRhRlVDUDA4UlNEQ1ZMZnRSXzYxNGRZRGVoeTNheFFBWU1YMGo2UnBDaEtSVk9ZSDh2MzJfNnBXbzk0YnRfQkhNWFhuZUh1S0twOTZWXzU1OVVqMGc9PQ== | Z0FBQUFBQm5teE5RRGc1VzhsVzlnYk5ENFVLMTN6d05FVzlxSTJERkhaRDVzWmZOSGNfT0ZwSzdGQXhFX0Y0ak83OXMxcDZERWZyN1VvRWNNVGh5UjhULXU4TVE3c3lQTU5udHBuNTZKbWE0czFNUm5BSHM4eTVQXzV0Rkp1U3g0RVpyVDQ5eVNnTFNDSUoxN0o0Z3BDU1BHNUNKR3VGVU02dE1YTDFQdGJJZS1zR3J0YkRWS084PQ== |
I am a full stack developer and I have always been interested in crypto.I find it very difficult to find reliable and quality information since almost everything has a "magic indicator"/etc. behind it.
I was looking into this list - [https://github.com/merovinh/best-of-algorithmic-trading](https://github.com/merovinh/best-of-algorithmic-trading) \- as I try to wrap my head around the necessary theoretical steps.What are your opinions about this collection?
So far I’m looking for:
Get historical data - Binance API
Get the technical indicators - either calculate or get them calculated via API (TAAPI for example)
Backtesting - I am mainly a JS developer, is this node wrapper a good choice - [https://github.com/fugle-dev/fugle-backtest-node](https://github.com/fugle-dev/fugle-backtest-node) ?
For a begginer, are those libraries, like freqtrade, an overkill and it may be more helpful to just code what I need from scratch?
I would really appreciate any advice to help me and get started. | r/algotrading | post | r/algotrading | 2025-01-02 | Z0FBQUFBQm5teE5Qd0RWQ1JQcFVkYW1XRVdabGhzRTZoU013ZTRnbGNua2NiSTgyX3haWjJlQVh3dEM0QW05TVZSb0FsRV9TeXQ4VkV3VVR4N0FXN2xiSlVjdTc2cHBDVVE9PQ== | Z0FBQUFBQm5teE5Rb1hLMGZsbndwTW81M0ZoS092VUV0NDlHcWlEM2s4UDVLaWh4eWJQaGxmSXF2VFBmM2ZWY2trYVdNcnE2LU8ySWItZ25Rd0NqR25sQnV0SWRTN0N6UlZjcDB6bTdKYTJpRWtkYTM3akZSS1ROU25DNzE5Znd0aURndFZvLS0wcjg2ZU9PNnRpREJmeE9VNTNsM0ptN0FCeWVQc3BfbHYxYkRDTzNsYkhFMDhMMDVNNEc4SXd1cnNtYzlBVTdKT2t2bF9qbzVGSWE4bzFmU1JOckRJNlBwZz09 |
This post is not financial advice. These are a few of the pennystocks i'm starting 2025 with and are al speculative plays.
I didn’t unclude KULR, OPTT, MVST, LODE (and ABTT;)) because those are mentioned enough on this sub already so there’s no need to include them again:)
*All three companies are low cap high risk high rewards type of play.*
*Mawson Infrastructure* ***$MIGI***
Current Marketcap: 16m
Current Shareprice: $0.88
Mawson Infrastructure Group, operates four core businesses that form the foundation of digital infrastructure solutions. Their expertise spans in AI/HPC colocation services, digital asset colocation services, Bitcoin mining operations, and energy management. They are expanding into AI and high-performance computing (HPC) colocation services, with a 20 MW deployment expected in Q1 2025, potentially generating $92 million (high estimate) in revenue over two years. Analysts project profitability by 2025, with a consensus price target of $2.00, indicating over 100% upside potential.
*Maris Tech LTD.* ***$MTEK***
Current Marketcap: 40m
Current Shareprice: $5.25 (I know Maris Tech is just above $5 by now but when I started writing this post before the holidays it was still under so please don’t be mad).
Maris-Tech Ltd. is not exclusively a drone company, but its technology is highly relevant to the drone industry. The company specializes in designing and manufacturing miniature, high-quality, low-power, low-latency systems for video, audio, and telemetry data capture, streaming, and processing. These systems are commonly integrated into platforms such as unmanned aerial vehicles (UAVs), as well as ground and maritime systems.
With its innovative product portfolio and growing market penetration, Maris-Tech is positioned to capitalize on the increasing demand for AI-driven and unmanned solutions. Analysts are watching closely for positive revenue growth trends in upcoming earnings.
They are expanding their bussines tot he US and recently secured deals that will bring in more revenue.
[Maris-Tech Completes Development of Uranus-Drones Technology and Prepares for Large-Scale Delivery](https://finance.yahoo.com/news/maris-tech-completes-development-uranus-141000433.html)
[Maris-Tech Secures a Significant $1 Million Order from a U.S. Repeat Customer in the Homeland Security Industry for Advanced Jupiter-based Video Solution](https://finance.yahoo.com/news/maris-tech-secures-significant-1-134000195.html)
*HeartCore Enterprises Inc.* ***$HTCR***
Current Marketcap: 38m
Current Shareprice: $1.90
HeartCore Enterprises, Inc. is a Japan-based software company specializing in SaaS (Software-as-a-Service) and digital transformation services. They provide solutions to enhance customer experience and improve operational efficiency for businesses. They are expanding globally, making it a small-cap player with big ambitions in a growing industry.
Financials
HTCR reported annual revenue of **$21.85 million**, with a net profit of **$4.92 million.**
Heartcore’s **P/E ratio of 6.83** makes it relatively undervalued compared to its peers.
HeartCore Enterprises is now profitable and is reinvesting in its business. HeartCore Enterprises has an ROCE of 36%. In absolute terms that's a great return and it's even better than the Software industry average of 8.8% (source: Yahoo)
**Postitions:**
$MIGI: 1300 @ 0.92
$MTEK 120 @ 3.52
$HTCR 1270 @ 1.23 | r/pennystocks | post | r/pennystocks | 2025-01-02 | Z0FBQUFBQm5teE5QeVJTM3E4Mmo3UmNqaUI0dHpabTNvM2dMREJFaVAzcE5sbUNhZTA2NDNiVE9CbllFelVJWTdqYS12cU1OZkxqLXNQUzFnWGUzczZIUWJ2MVZRNmRXZ3c9PQ== | Z0FBQUFBQm5teE5RdGJKNDVhNFdxclBYTWhMNU1RanVwU3B3T3ZPaXRjTzNPdHlxQklNQUJ1TWoxR3V5MU9OS1NnMUlXSl8xYjViQmItMkdFVC0tS0ZRdzhNT1k2MHNPYjZ3ZWc2NmxNUlRXWkZZaU1zSVh2VE1XVjVyWmRral9ZM0I2SmIxekVteUtOYmVvd1Y0U3ktOFdGamxUZHNIYmdHWFdhQmFSeXFOd01ScHo4N2dCZmlHVTQyYl9wV296eE93bERBNThhWlA5 |
> Tesla Inc.’s annual vehicle sales dropped for the first time in more than a decade despite a year-end push that sent deliveries to a record in the fourth quarter.
> The Elon Musk-led company sold 1.79 million vehicles last year, it said Thursday, which was less than the 1.8 million it delivered in 2023 and also below analysts’ consensus estimate of 1.8 million.
> For the quarter ended Dec. 31, it delivered 495,570 vehicles, missing the roughly 512,277 analysts had projected. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-02 | Z0FBQUFBQm5teE5Qa3Ffd09rRW95NDhUc21IZllkV0FYSVNYcDZLcVpqN1N6Z3Q4Q2dWRXVYUTM4MzRDVUlFYmFPRHR4Y1pSU2JlU2pteU53WFVkTWdZeTZwQWttOUhuUWc9PQ== | Z0FBQUFBQm5teE5RWFBQV1ZZMDl0S2d6VU8wV2pUc09uS0Q3NUo5Z2tuZ2dGV2hBTnhIaFNzTUF4WHNQSEFvM2wtSDBlWXpFVG80MFlscDl1cWkzb25DajBvVjBiMmFDQy1Md2FZLW9GN1E5MWFjY2l0ZTlPMzZhMy1tWW5ZSzEteldlVV9fV2lKSjV2a3VVOGloMGhoal9mVVFTclBKYVdXZHFyVkNWX01zMUhVWXh4czhUSlNONURuRDUzdHVQZFlPRXctbTFuckJtQWl4enBNMG1YNFRqTXlHc3RrZi1GQT09 |
All,
I have a few questions about RH Gold membership. Based on the terms/conditions, it says you can borrow 1k interest free by being Gold Membership. My question is how do you claim this interest free 1k borrowing? Do you have to go through a some sort of settings to claim it or how does it work? I've read the fine print but I didn't see clearly how to claim this. Any thoughts? | r/robinhood | post | r/RobinHood | 2025-01-02 | Z0FBQUFBQm5teE5QMk1tSkZneEFtSmduR2NMLUdLRV9nUmplOGhLdEYyXzR2d2xGUmVlSm9VSmxra2NmekNCbU1DeElDN1JXMmUtMXFtTmg3SWgyRzNldUtGeUR6RTFZZVE9PQ== | Z0FBQUFBQm5teE5Rb25CeFVMMldBZ1U2U0pKTWRSVjBKOVp5c1BpdFgxX0dybllXUTk0aTVGS1ctUGZCSWs3dXAtclAxVklXM1JPMjhzdElPTTVBZHl1QkNFY2RMdWRGZ2licjk1ckV3S2RxR09RbGdQUDVlZmpPNklNYjJMZS1hY0diaXJwdVN4SXlSbXo3Z0dZMlJCVjRrdVVjcUxsZ3NfLWwxOHlmQjVQdGZyNDFCX1pIc3hPUWhjdHVFZF9obGo5MktHd1hhOWpma3o4WkQzUmthQWNwWjUtSUM2MkVlZz09 |
Fairly new to this, my understanding is that the KYC exchanges banned Monero as they required public addresses for incoming/outgoing transactions which I am assuming is impossible with Monero? I read that zcash got around it by letting users decide whether to disclose the address or not. Is this something that Monero considered and rejected? | r/monero | post | r/Monero | 2025-01-02 | Z0FBQUFBQm5teE5QTm9SVzJkSm5BMTFPYmdjUUgzVnNvdFdoS19NYTNxWGlyV2IxSWZQSFVjU1N0UU85NlVjbUpyOXBqNkRWS0RESkktOTdXc1VlSmpuWmhrS3p4ckRPUWc9PQ== | Z0FBQUFBQm5teE5RN1I1VUhPYnFqTG5JTFAyX2FoNWpCajRFQjZvb1ptWE9haURwbGVBeUhzbWFSRXZUZzVGZXFabHd4S2M5WVJrRWVCdkpDUHpBS3cyS1RIZUVXZ0VqWXM5WFlRUy03VDhyb1ZsOFNBRzhYOFBrbWMzeHd2ZWNYOG9DUnJWMktKYVdlRmRFQUxzMTdsUy0zaWpwcGVqVk14OVhSTzlrWXp3MGwxTFdCdWdnaFBtTktod2JYLVVtNHB2c3ZrQml3ZDhE |
Hello, everyone. I hope you're well.
A few months ago I started in the world of investments and I'm talking to my old advisor at university about doing a master's degree in the area of “Stock Market Prediction with Deep Reinforcement Learning”. That wouldn't be until the second half of the year, so I have time to prepare until then.
I'm currently a Senior SiteOps and I've worked for a few years as a full-stack and data scientist (yes, a career full of ups and downs and lots of changes), but all my analysis is done manually before I make any trades during the day (I access some news portals, open my broker and make the trades).
I'm looking for newsletters, courses, videos, any kind of material on the subject (preferably free, but it can also be paid). Python is a language I've mastered very well and is very useful in this area, but I'm willing to learn any other tool/language for this. Can you suggest anything?
Thanks in advance for your help! Have a great first week of the year. | r/algotrading | post | r/algotrading | 2025-01-02 | Z0FBQUFBQm5teE5Qd2FuOFAzZDloMzY0QzYyMFY4N3JJTE5GRGJXbDJCbXFBMzVKZ1ZlMWMyQnpPRW1YUUVtUTBPeE1DMmhkVG1WR1hPcHRiakE2VVlUQnBKNnJ5YUhhaVE9PQ== | Z0FBQUFBQm5teE5RU3pNX3ZmWTgtVHFuX1k1VnMxMUd4el9iczRwcXh3RndDdm1SUFAtelEtQW1JQzM2Smp0UHR5ODJ2d2lPR0d0VHFvdWdhRmhObzVwSFRVc3c2NnVDbUIwRlVzdDNPME5pM24yaXRLVm01NHVjYTZuX05iZGYyZXlnd21QMG14ZHpLUTBoUVFXUzE5LUVYVVpseF9KUEdKREhZOTIyejNxTGdZTEt4Xzg1eEEtMFJrMm50YnFkdnZ1cTdwTnFqWC02eVhsNlhJZ3E4SEVreDZvVVBCSVAtdz09 |
Hey fam,
Remember a few months ago when I was yelling from the rooftops about GRRR (Gorilla Technology Group) being an underrated gem? Well, here we are – $3.23 to $21, and all I gotta say is: Congrats to everyone who saw the vision and took the leap. 🥳
If you’re one of the diamond-handed legends still holding on, I think we’re just getting started. Here’s why:
1. Momentum Is Still Strong: Stocks don’t go from $3 to $21 without serious eyes on them. GRRR is building hype, but more importantly, they’re delivering results. This isn’t just meme magic – it’s backed by actual performance.
2. Future Revenue Growth: The projections for 2024 and 2025 are still intact – $80.72 million and $106.04 million, respectively. This rocket hasn’t run out of fuel yet.
3. Analyst Price Target: Let’s not forget – the analysts have a high target of $70 for this stock. Even if we’re sitting at $21 now, there’s still massive upside potential. That’s over 3x from here if the analysts are right.
4. Global Expansion in Action: GRRR’s moves in the Middle East, Northern Africa, and Thailand are still unfolding. Combine this with the smart city innovations they’re pioneering, and you’ve got a company with its sights set globally.
5. Smart Money Is Watching: With this kind of growth and market interest, you better believe institutions and bigger players are taking notice. This could push the stock even further.
TL;DR: If you’re still holding GRRR, congrats on the insane gains. But don’t be too quick to sell – I genuinely believe there’s still a lot more room to run. As always, do your own DD, but I’m personally not getting off this ride anytime soon.
Here’s to more rockets in 2025! 🚀💎🙌 | r/pennystocks | post | r/pennystocks | 2025-01-02 | Z0FBQUFBQm5teE5QLVBUa3hPX2FyaVIyWWJLdUctSS02azBVNkNsRGl4eFhweWpuUXY2UHM5U20yQWR6SC0wWGsxMEs1NkxVSkZCLVpqWU5CUmQ4akZiaGZuTTNLNDAyb3c9PQ== | Z0FBQUFBQm5teE5Rcld0bkVPTkVXRnZ0TnBWMlFyOWRMU0dYRUw1Ri14LWxoVGx1ekhFSmM1V0RIcTdnbDRFeVlHcTBOcFdDUEU4V2txckVkUWN3SktFdHVXN1Y2TGRoTDFwR1VNcWl3LU02NzZmR1l1N2E2UzQ1bFhRVDdPTHh0WE1qS2drNFk3LTItM18tMkpVd29WUkJLR3RQV1NwNEJocW92eHZCREprSWI2VTdvak1HeXN0Tzd5a2lRaWViSGJtVnBlbmNxUnBQ |
Happy New Year everyone!
I have been getting back into crypto since November during the massive bull run. I’ve been keeping an eye on XLM since then and have been trying to educate myself more on Stellar and researching news and its purpose.
It started seeing more red days after dipping below 0.50 and then floated around the low to mid 0.30s more noticeably following the period in which the fed announced the quarter cut.
Now bring on 2025 and the market is looking promising, especially Stellar. It’s currently holding strong in the low 0.40s and surged significantly in the new year.
Were there any notable moving factors to why this is the case? I didn’t see any news regarding this anywhere. I know market corrections are a normal thing and there will be red days. Could be end of year sell offs for tax implications? From what I’ve learned in Stellar, I’m optimistic for this year! Just curious on if I missed something.
Also, what are the best resources you guys use for doing your due diligence and staying in the loop of news?
Thanks for your time and excuse and correct any noob points made, I’m learning and willing to take notes where needed. | r/stellar | post | r/Stellar | 2025-01-02 | Z0FBQUFBQm5teE5QWnlIQUJXT1k1QTlSZExUNjFvbGpDZm1kYTFTOUNyTlU2VWZjYVQyNXY0Zll4Mlh0R3B6MXgxVGRFTkhlX2phNkNWM0RzX0VWZS1Fbk41ZGROX0RZd3hUVHdtMDJaT1VTX0xQVUtOR2FHb2c9 | Z0FBQUFBQm5teE5RdXBiOWp0ZFcxNTNEb3JEZm5YTjU5dWlRdlloby1oZzcwaHpLMUo2azdUUjdoYUFncFZ4c0tvcFY4ZjI4Yng3SzJUR3VFbm41a3JhQUdqUzZ3RGpsTnE3Q2lPLVRUTWZuTTNhbXJfeFVscVZfTFV5eGNfYzczeS1QNGpaZlRyRVZpVUtRODRwWkxNSnM4NjlIdU0xTWNSS0NfUHZWd2lHTkdQUXoxY0VveHFjPQ== |
Hello everyone,
I've been investing in RE for the last 3 years. I want to scale and buy a lot more real estate and lately I've been considering switching to multifamily. I currently own 7 houses and have a net worth of $700K roughly. Most of my properties have an LTV of 65-70 %. I'm self employed and my rentals mostly break even or barely cash flow because the rates on my properties range anywhere from 7.5-8.5 %. I'm hoping to refi down the road after my 3 year prepayment penalty expire and hopefully rates are more favorable.
How would you go about scaling given my current situation? Here is a break down of my assets:
Cash: 165K
self directed IRA: 81K
Real estate: 1.45 Million
Crypto: 10K
My goal is to make anywhere from $40,000-$50,000 from passive income. I realize this might be over ambitious given my current portfolio. I'm currently 35 years old and I just don't see how my current strategy is going to get me there. Do you have any suggestions on how I can scale my portfolio? Should I transition into MF/Commercial? What are some of the things that you did to accumulate wealth and grow your portfolio throughout the years? Any tips or suggestions would be greatly appreciated | r/realestateinvesting | post | r/realestateinvesting | 2025-01-02 | Z0FBQUFBQm5teE5QMkJuYUExVmI4OWJ5d1BWM2dhakRrb2NYLWhXTkhpeC03RlQ0bU5qVnNYMTJUNmhwWnZyMFhLR3BwcFViZGdHcUFqa0h3bmhqZi1sbGk1ZUxTUnNyWFE9PQ== | Z0FBQUFBQm5teE5Ra0pGWW1FbG9fVE9zS01jSFhYeW5VYi1jRUZ2V19peWtPZDNjclZYbTllQVRVak5mQ1ZnMXNZSnZPcTNPZGFwbE1KV0YxdjJSNmJBN3g4dm43MlE3TGVVY2RfVVBUTmJUMGhtS09Wclktai0wdkhEci0wREVwRzZFNnpmam10cENwWDdEc3BqWmJEdVN1VG84UDNmMEFvZFFtWmdHdUl0elY3alZ3ci14RzdGZDFCSDdUYjJZWU0xS29tNmNITTRNUURmZnR1VU5JcWxDLVUyc1dpRVVHdz09 |
While watching the "Honey influencer scam" video that released last week I realized that Capital One Shopping uses the exact same tactics of "last click" to sneak in affiliate codes, but they instead offer cash back via gift cards instead of coupons (a lot like Honey Gold, actually - I guess all the cash back/coupon sites & extensions work the same way)
I even remember not getting capital one rewards several times and support told me it was because there was another 'last click' before checkout, I didn't even realize it was Honey!
I don't really have anything else noteworthy, but thought I'd share my realization of how similar the apps work.
Happy new year! | r/creditcards | post | r/CreditCards | 2025-01-02 | Z0FBQUFBQm5teE5QbldpbGJYUWZ0N01SRlRsdU90SXd1UmxGbUFaUUhIcmFzWTNzaWlieTRKN0wtaHpCaTFKUjVJcXRfcFRqTTlCSk1yY0FwSUpMRXZyS3lJYkhOQXRBR2c9PQ== | Z0FBQUFBQm5teE5RemVIbUs2dzdIUllnQkZzSTgxcW1jaWtTRzZzTXZhemU0ajlWRGNOMGhycC01YUNJeHZfRkxPYmFnUVdkR1Jyb3VRQi1nTUZFWF9pc2dadGpUR1hHTVExX2g4RE8yREdtYXpvNmI1blk4c2QwNGViZnVaNVNGS19Ja0NneHhIYjRDYVlYUVF6aWRxc1lmWm9VSVVNV2t2eE1QaGNwbjVXU2M0cUhsNVN1b0NLaGhuWWVzUnVYTE5UZ01ua2hEdW50 |
Hi everyone, just wanted to share a little story and have a bit of a vent. I run a small engineering company that designs tools for making waterproof cables. Recently, an overseas customer (I’m in the UK; they’re in the UAE) approached me about creating a bespoke version of one of my standard products.
I worked with their engineer to finalise the specifications, and things were going smoothly until I got handed off to their procurement team to onboard my company. That’s when the headaches began. After completing endless forms on quality and compliance, we hit a sticking point: payment terms.
My policy is proforma on first orders and net 30 thereafter, but they insisted on net 60. While I could live with net 60 for a standard product, this was a custom design, meaning I’d be carrying all the upfront costs and risk, paying my suppliers long before seeing a penny.
After endless back-and-forth discussions, the best compromise they offered was net 30—but that was still a stretch for the custom work involved. They’re a massive subsea services multinational (ironically, I used to work for their UK division), and the £2,000 value of the order was insignificant to them. In the end, I decided this wasn’t a good fit and told them I wouldn’t be proceeding with the order.
I feel good about my decision—it would’ve been a stressful experience, and there was a real risk I might never get paid.
Does anyone else have stories about dealing with big companies trying to put the squeeze on the little guy? | r/smallbusiness | post | r/smallbusiness | 2025-01-02 | Z0FBQUFBQm5teE5Qa1U1T2RyaUNodzNaSnRudnlIS2laTl9oc0w5SU1xbnFNd19zMmVXeGJrT2kyc0hVRkhjNVhBUjFvQUxVenMwR3VmQUNVUm9JZkRzVlZ3cmJXaHl5Nnc9PQ== | Z0FBQUFBQm5teE5RUGxRdGp6WktXcmdldkRZcDBVeGFaRXNDanU4Q1pKS2xjT1gtdXFwdWtoRm5ralptb2k1bFZWQm1RT1JqcFB1R2ZmNFZnVWZQbDltTDN0U3pXbXg1WmU3VlhWalFBajlvU1VBTWt5c3dxWnJvT0liZWVSd3psV2dKTDBpMlFNN3JhVUZ1OHVZT0pwTTktZnE1LUxhaGFBM2g4QlQ1bWRnVGFvUHVJeDRUU2Q2RUEtRlhnNWh6a1dOcVprMXFEa0lHX2Z6NnJMUFNtRmxIWi1hY0Fra3RkZz09 |
I want to make a post on our update to document our progress but also share our journey. We do not have 250k+ software engineer jobs. We did not invest in Bitcoin. We did not get an inheritance (although, we got some parent help). We lived simply, frugally, and saved/invested steadily. We also work as university professors, which is a pretty interesting and non-typical job for this sub, though I know there are some of us out here. Hopefully, this gives an interesting perspective and insight into careers as academics on a journey to FI.
**Background**
* Ages: 35M | 30F Married, no kids (but trying)
* MCOL City, US South
* Occupation: University Professors (Tenured/Tenure-track)
* Household Income: $170k (9 months base)
* Current Net Worth: $850k (CoastFI)
* Retirement: $670k
* Cash: $80k
* Home: Own ($210k mortgage, 3.5%, \~$330k House)
**Career Snapshot**
We are both university professors at a research-intensive public state flagship. We both did 4 years of undergrad + 5 years of PhD immediately after. I started my faculty position in 2016, and she started in 2021. I received tenure 2.5 years ago. We are on a 9-month contract as our “base”. We can supplement our income in the summer with grants, summer teaching, or university research fellowships—these range in amount and competitiveness. As faculty, the income trajectory is pretty weak (we get a 3% COL raise about every other year, pending state budgets). Major promotions are infrequent and raise weak (about 5%). We work from home 2-3 days a week; we have up to 4 months off between summer/winter/spring breaks (but see top comment). Contrary to what is often said about academics, we don't work \*that\* much/hard. I'd say 40 hr weeks are normal. Personally, I probably work less now that I'm tenured.
There are other career paths that lead to more pay in academia (e.g., administration) or out (consulting/industry). Our discipline is somewhat flexible, technical, and business-oriented. So, there are many alt-academic roles. While we have not seriously looked into it, it remains an option for the future if we decide not to stick around in academia. Our income is more than comfortable now, and our jobs are low-stress. But I won't lie if I didn't say that I've thought about giving up tenure for a career change. It may still happen in the future.
**Net worth/Income**
A few notes: I’m doing my best to estimate our household income/NW here, but admittedly, it’s not precise because some irregular income (I had a lucrative consulting sidehustle between 2020-2022) and merging issue (going from Mint to Personal Capital). I think the numbers are close, give or take a 10ks.
[Net worth Chart](https://imgur.com/sae76US)
I won’t overlook our privileges. Neither of us had student loans in undergrad or graduate school due to a combination of scholarships + parental help. My parents had a 529 plan for me, and she had a full-ride for undergrad. Both of our PhDs were fully funded with a modest (but livable) stipend. We were both frugal and finished our schooling with no debt. In terms of other big-ticket items, we both drive paid-off economical cars that my parents gifted us. We did not have a wedding when we got married during the pandemic. These three things kickstarted our finances despite spending almost a decade in school. But I fully realize our very fortunate circumstances.
**Budget/Expenses**
We combine our finances in the general sense. While we still maintain our own checking/savings accounts, our actual budgeting and spending are basically “combined.” Most spending comes from my credit card (she is an authorized user). She transfers me about 2k each month to cover the bills. We use an “envelope” budget approach. I also consolidate all our accounts on Personal Capital (now Embark), so I see every dollar going in and out. It gets logged into a shared Google Doc (r/aspirebudgeting). Besides household categories, we have a “discretionary” category to do whatever we individually want (shopping, clothes, toys, etc). It has worked for us since we got married.
I'd consider our retirement benefits to be okay - good, given we work for the state government as university faculty. I opted for the optional retirement plan with an 8% contribution and a 6.4% employer match. She opted for the pension with an 8% contribution with a 5-year vesting schedule and a pretty generous payout (2.5% x year x 5-year high salary). We both have access to a supplemental 403b, which we take advantage of.
[Sankey Chart](https://imgur.com/dNNtJna)
In reviewing this, I noticed that our retirement accounts were not fully maxed out even though we had plenty left over. This is partly due to our weird 9 months salary and contingent/supplemental summer income. I miscalculated my monthly deduction because I wasn’t sure if my summer income would have the deduction and, if so, how many summers. Long story short, I left some money on the table. Other than that, we’ve kept our spending consistent yearly. Most of our spending (dining/groceries) has not crept up that much despite the inflation. We could definitely afford a few meals out and enjoy ourselves a bit more. We don’t cut coupons, and for the most part, we buy what we want.
**FIRE Goals**
Given our spending (70-80k a year), a nice even FIRE number is probably $2.5mil (very conservative), which we are on track to hit in about 15 yrs. But given that our work gives us a lot of flexibility and autonomy, I am in no rush to retire. Our university is a state flagship, so it is at no risk of solvency like many other small regionals. We are, however, in an anti-education, deeply red state, so that makes some aspects of our job unpleasant. Overall, I’m more interested in reaching FI and crafting my job and life to be exactly how I want it. Being a tenured professor gives me the freedom to do that. We have reached “CoastFIRE,” so that gives us some freedom to take our foot off the gas, but with a kid in the future (and some fertility uncertainty), we are not making any drastic changes, nor do we need to. At this point, my focus is building the life I want, which includes personal, lifestyle, and work.
**2025 Goals**
We had various professional/personal/health setbacks despite our financial progress that can not be fixed with money. It made me realize that at the end of the day, money can reduce some, but not all adversity in life. But, importantly, happiness is something you have to work toward. Money can be used as a resource, but you still need to work toward it. So, my 2025 goals are not so much money-related but personal. The old adage of “building the life you want and save for it” rings true. I feel like I’ve “saved” for a life that I haven’t built, and now it’s time to build it.
Thanks for reading and if there are any academics, aspiring academics, or just people who may see teaching in a university as a CoastFIRE plan, feel free to reach out! | r/financialindependence | post | r/financialindependence | 2025-01-02 | Z0FBQUFBQm5teE5QWXhneVdSSnc5YmhSaG5sYkVHOVNmbGZuRHYwbm1NS1N1M3FrQm1kNm5KVWZTU3V4MmpQWXlTWGJCODdPZF9Sa053ZFdZel9RdWkxSmJocEJMcy0tckE9PQ== | Z0FBQUFBQm5teE5RV0Nxb0I1QlFkWm12V1pTQmRZR2dubUtlWmFSeHhLSnBjSVFNUVFhWE9rY092Vjk0Z0xrOWpicjdlSWhMdWczalNSTk9VQnBxaWU1WmZKTFN2RkFjUmhRZ1VCcHZCVlowUjY3T2JKSGxLVEdCWlJxU1pBdE85T3NEVUJKMy1ISU9kdkVxMkdNU0NXdl9aa0pQRnRpQW9WMlI1RHNCMmJCN3JsSHFScGZCQXhuSnNETXNKOVJ4MVZraFJBLTg5a0dIc1R0S2VPMWVLdHhFa09nVy0yTzVrUT09 |
The ones that I can think off the top of my head are Coupert, hotukdeals, Karma, etc. My guess is there is no extension that will find you the best deal. You'd be better off using Google to find some online discount codes or signing up to the newsletter of the retailer that you wish to buy from (informs you of sales/discount codes).
I wish to know what method you personally used to find the best discounts/codes? I stick to the newsletter or any online announcement platform that the retailer uses.
For example, in the Monzo app they have cashback offers that you individually activate but surely most people won't be bothered to check (you have to scroll down the app and go through a menu) so I can't see how it is of benefit to all three parties. The cashback offers are not going to be used/activated nearly as much as they could be if they were automatically applied rather than one having to manually do it. That's why I hate the Lidl, Boots etc app because you have to scroll through all the offers and activate them individually.
This leads me back to my question of how does one find the best discounts/codes as I would never of found the cashback offers on Monzo if I wasn't bored and scrolling through the app. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-02 | Z0FBQUFBQm5teE5QNi1ZQzN3ZmdCUnhqYUdkc21DdjJJRXFLYV9SdW1wLUx4TGxOdXBPUjJJNjRSZWF0U2FKM1dkVG9BTktHOFloTVViSVcxWVVjTTBPUDhRa2YzdDMwc0E9PQ== | Z0FBQUFBQm5teE5RY0hjd0tWaXNBcURFZHl3LTR2Wkd4UUlyNDUtZWkxUU9fQmtaV1N3Q1RZM1Z4SV83dXU0S2NSWUNNUVVlTmZkQlNLeVBkalZsTFNqRmgzckswWkdvYTlDYVFSRWJFSTdaRlljUjdJZ0QtblhuVFpzRlh2bTBqQzg1Y29NdmZOT0lVdXFxeHN2Y0xKeVJ6dGRIZTlqd29aS3lIaFlRQWJXRS1fLUFadkhHTTZYb29vZHhDUFAzWDZCZkJ5X0lQbURSNHowclFvakVWTmVNOG02eV9EdmRVUT09 |
Are you using market or limit orders for your algo and why?
I know that market is better for making sure your order executes despite the slippage, but is there any reason for using limit orders? Even if you use above the ask and below the bid? | r/algotrading | post | r/algotrading | 2025-01-02 | Z0FBQUFBQm5teE5QaFRkNjlieVJ4UzRMRkY4a0VrdTM5cjBqblhMYl85N0JjYTJWdFZ4cEl1OHUxUHZ0Nmpac2FfR3B4QV9WYWNldlJYNl8xNGJTNjNodHh2LWpuX0tVQUVCZ3BHNGsxdWxlMDVmR19kaFNLRTg9 | Z0FBQUFBQm5teE5RYk9jTUN6dzh6eTVhbDVraW9DbVBTUEQ5cnVPNGxMNmdJRTZReEFrRy1aYVBJUkhTdWZOMzQxbFk3NTV0dFpGcERUeVBlc0t0bDFySTc4Qm5lU25lZmh3WUlVNU9WZ3RQV1V3UVl1MjVBM2NOVWE4OEZlcmM4OXRVNmtYVFlwVTAzQ21qaHZZdzA1UXZwcUlJWjdpR0p1SUZVQ1VQWmtWVFo4R2NJN2xpYzlZPQ== |
please post price discussions in r/tezostrader. | r/tezos | comment | r/tezos | 2025-01-02 | Z0FBQUFBQm5teE5QRFBYcFQwc1BTbHNnTGhhWTc2SVYycF9yZkp3TGxTQ0V1Q3FiMl81NjZBVV82R01Kdi1Da0otMzhrLTk4ZW00a3ljaUNnZ0U3d1Q2WTRfUDBGWHRJOWc9PQ== | Z0FBQUFBQm5teE5RRGlmUHItTDEwcWdDSENqY1FubTBycU1KX3ctOGtVcnBlTGhGcWZTQUMxWDhoUDJ3V2tIZWg2d3k4Vmt2aFY3dk5Ud19IZFhtRlp0akRWTFhVX2xWRVZvQVFWa0pvOTdEQjNfUlJGb1pfQkNXbEllVHpKWkJpWFFzaXNpOVZaSnJFQVBXT1N5VmNqdDAyamFEaGVWRGtBaklMdEEwSU9Gd3dJb2tUenc5VkF5T0JjWkg0MnVvMDFPM1lzckNFcF9a |
Wow how did I get here? I’ve traded options for a couple years now and lost small amounts of money consistently. About 1-2 months ago however I had my first hit with ACHR calls, shooting my $1500 to about $20k. I was ecstatic, and frankly greedy.
From here I fell into a stint of bad ideas, bad decisions, and bad luck. 20k turned to 15k. 15k to 8k. 8k to 4K. After some time I found myself sitting on around $5000 in my account. How had I lost most of my profit? Was it bad luck? Should I keep trying? I thought I had figured something out, but now what?
This is where my story turns a lucky page. I looked to the ultimate casino. What are these flashing lights? Why does it smell like cigarettes? I woke up sitting in satans casino. SPY 0dte contracts. (I know what you’re thinking). From here I went on a 4 trade streak that went as follows:
6k -> 19k -> 30k -> 100k.
Wow. It still doesn’t feel real. I know I’m just gloating but I also wanted to share a few things I learned.
1. Take your motherfucking profits. Fucking take them. Yeah sometimes 300% turns into 400% but don’t be a greedy bastard. YOU WILL LOSE OUT ON SOME POSSIBLE PROFIT NO MATTER WHAT. You will not time I perfectly and more often than not you will wait too long and lose out on more than you needed to.
2. Listen to yourself. I’m sorry but half the time the people saying shit are wrong and half the time they’re right. Don’t let some anonymous person on Reddit take the blame for you losing money. Lose that shit yourself and own up to it. Some people make a lot of money and are frankly way more knowledgeable than I will ever be. I fell into it myself, seeing someone’s profits and saying it’s gotta be my turn now. People are right people are wrong, find your groove. Lose your own money. But how do you find yourself on the winning side? That takes me to 3.
3. Luck my friend. I know most people know this, but to anybody that is new and cumming there pants at seeing various peoples insane gains, this is a casino. Have fun, lose what you are able to lose. Be happy when luck is going your way but be prepared that it can and will turn. Please recognize this fact. I lost money and lost money and said eh I’ll just put in a little more. My bank account was pissing it’s pants and instead of handing it a towel I unzipped my own. I’m so thankful it worked out for me. But just because it did this time that doesn’t mean it always works out eventually. Be smart. Or something. I don’t know I mean I wasn’t smart at all. Are any of us? I’m sure there’s some smart people in here. I don’t fucking know shit that’s the point.
No financial advice here do whatever you want to do happy new year make 2025 special but not the bad kind of special. Oh yeah and spend time with the people you love and not that fake time where you’re kinda there. Check in with them. Put your phone away and ask them how they’re doing. It’ll feel good for you too I promise. In a while crocodile. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-02 | Z0FBQUFBQm5teE5QX1o0dEhFd2M3aDlsOVNueUxrRndtLXpfc25rUTRHMi1HSzhNbUFoRWRUMVFJUFM3SGVIS2o2SDJfbGNibUxHNlh3c1FnOXdEb3VyZkRhZDRuNmZJaUlhOFhwZ2lXUUsycDFPOVRFVktvb0E9 | Z0FBQUFBQm5teE5RYTZaUmlMNURQUzktQzdZRkRtM2R0UktoUTZIaUxObm5KdWFvdnE5TW1OQkV6emluc0wtM0c4cTNwZnhGS1RnVE03WEV3Z3JreS1mQTZ3cTN1aVFhcWplZndraEJhOXJWSG1hQXRnUm5ZSTNxVmtJYmtFNlZ6VFFGN0xZSmdSV1N0NVZwaVBkR3hfYnpBdHFPdUFYN0hqZ2JsaFpZQjIycldZOVAzeHNBWmxBPQ== |
I deposited money into my phantom wallet and 30 minutes later all of my solana was transferred to a random wallet I don’t know. Why could this have happened? Please help me like this I don’t do the same next time. I didn’t share my secret key or whatever. Please someone help. | r/solana | post | r/solana | 2025-01-02 | Z0FBQUFBQm5teE5QSXVTaUZFOEg1NXp1YTJzQzB4bVZ0aUVqd2tqQWl1dW9QRVd4SXhKM0RZZm1FTDNRcjR6UTNjRzJhMGNsSDI2ZGRNdG5SV28ta0xjS2FyR21TdXlidWc9PQ== | Z0FBQUFBQm5teE5RQWRKVFo2bFhma3h3eXRnNzhXUVQyZXJQcXhDNjRINUppbXJiN1dGX3AzbXpNT1V3ekUtT0xzNlhmOGViUlZtblloS19HRlpUQTJNWk9nZUVNQU9YVWRfVEtsUEUtcVNHNG9WSGxQTFcwaWp0c0kxX3Yxd2tYRzZqMG53eHNKd3RoN2lrY2dhbWZUMlFIV3ZydTNmMHhwejNmX1BvcVRwOXBGLXpLOG9CR1prPQ== |
Unmasking Elon Musk: Derrick Broze on Free Speech, Technocracy, and Monero’s role in the Fight for True Liberty | EPI 336! Tune-in to a LIVE MoneroTalk TMRW 1/3 at 6PM-EST/5PM-CEST
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If you enjoy our show please Subscribe, Like, Share, Rate our YouTube Channel & Podcasts. This will help us grow and spread Monero content! | r/monero | post | r/Monero | 2025-01-02 | Z0FBQUFBQm5teE5QbV9HejRoUGI4alQwdXM3a1U5VDMtaFp0eXY3ZHdGWmI2ZjY2eU5yU0xyVWdheWtTYUZCWXE1N3B5eFFiVFFBU0puelNpbmpDNEN2ZE9QeGtRNGdiSVE9PQ== | Z0FBQUFBQm5teE5RMWlyMVA0UG16eVJWdlQyZlhpd0tzWThFaFcxWXA1WWp3UDdqLWc5V1RwSTZYcFB4TFR5dU43ZUdZS3Ywd0JqVUZhU0NBeGhWZlREdHEwejhzS0RxUGtNQkZ2LXE0a2lQcFV1Y3pTZExvUDYyREVFZlpzNmRwc2NnNnNiOGNTUWxwbG1SSVNEYWNaSnlxWG9lbF9GemZydkJRZWVjOU5qT3pOWk1malMtWkdqb0M3cGZJd0F6Vk9hcm5Bc3ZNM0dyTEZnRXBzMkxqMGs4ekY5b2d2YmFxZz09 |
I’ve inquired about this before but there is a new native DEX launching on Bittensor soon that will allow you to swap TAO with major trading pairs in V1.
Just in time for the major run!!! | r/bittensor_ | post | r/bittensor_ | 2025-01-02 | Z0FBQUFBQm5teE5QbzRXcWxBNDRaM3dZOWpvTEM3QWs5TFI3aXV2SUFNbmMzb0FsRjZ1T1laTFJoOTFDTkRTODU2bXRSOEQzaXFoTkJVTkRfVDR0Mld4YkRKUG4tWEpwRmc9PQ== | Z0FBQUFBQm5teE5RYjZxU1RsNTB2YXROdTV0ZGxmSWhOX2xoM29aRkxHLXRlRGVoN2FkVFMwX09YMTdnbjJKd0dsUXd4UEx1RmZMSldESUFqcmJIYzVCd3VFQndTRHZIV1Q0UVU1b0JCVGJVQkh1emhhS0JPcVJleXdiVUp5a2doQnp3TVItQWVLX3Rkbm9ULU5DNmFqUnRnTFNlNE42bHRKV2VnWVF6czNjWm90N01ITEJ6XzFWRmlFQTNZMjdIQXJheGp1MDBCTmdT |
I have always been a lurker, and I've had my fair share of jumping in on the most recent penny stock.
I just want to inform some people who may not know a couple things I've learned about penny stocks.
**Value:** Look at the company value. A penny stock is traditionally defined as a stock that is less than $5. Usually it goes in correlation with a lesser valued company but that does not have to be the case. A fortune 500 company could aggressively split their stock and make the cost/share below $5 and it would fall into that category.
If you see a company worth $700M trading for $1 its gonna be a lot harder to see that move compared to a $2 stock worth 50M.
**Timing:** Typically penny stocks should be more of an in-and-out situation, especially when you see them move upwards of 100 percent in a matter of a couple of days or weeks. A lot of penny stocks don't trade on fundamentals they trade on perceived value, hype, or pure delusion so be careful with how long you stick with them.
**Trigger Sells:** I would set up a trigger sell if the stock drops below a certain point. This is especially if you dont have the time to check on it several times a day. I try not to obsess over my penny stocks when I buy them, so setting the trigger sell ensures I can only lose so much. If the stock does well I will gradually raise the trigger sell so that I make more.
There was a time I bought 3K worth of stock from a shitty company expecting it to explode. I never set a trigger sell and figured it would move up. After a couple weeks I was only slighly down so I figured it would eventually pop. Now a year later I am down 90 percent. Lesson: don't get attached to a stock, I think the people here say don't marry the stock lol.
With that being said, good luck out there! My current stocks are RVSN and OPTT, hope they move soon, otherwise imma drop them. | r/pennystocks | post | r/pennystocks | 2025-01-02 | Z0FBQUFBQm5teE5QVFVrUGRwSGtBeERLWGlwczctQ3V0alZsZ0pIRUNISDVXZzJwdkhRcGlCdDN2X2lTOUc4Y2tMWTRfZlhETy01ZkgycFlDOHhjUzVuX1NvSXNnSU5TY2hUc0huQzBJVFl2Y1Fvd3dHWGRoYWs9 | Z0FBQUFBQm5teE5RMWkyLUk3NE5Ra0ZnUGExbnBVajNZNm1sNFlzdnFkUFVhOGYyZmxIWlM5SEl0NzN0a0R6VVFjTlo4V0tJT3ROUlktNjNySWppajd1NDZmcWJxNllRSlY4cjEydXVGRHFzdEVtVDlicWtvbFB4TnlyOE5VZWJtU18tdk5DOHRUN19iWGtRUFFxOF8zdDBzbGprSWR1ZEQtTl9EOG9idWZGUHR6ZTZGTmppTnp1dDN1SElCakdZVHhreElWb1JJLVM0ZkdiOXlNWnRWMUk2ZFBTeTBmTER0UT09 |
>im back
>chainlink is providing the oracle infrastructure for africa’s “web3” transformation
>chainlink also taking over brazil via nubank via circle and banco intern
>warren buffet invested in nubank which partnered with circle- circle patterned with chainlink and banco intern has partnered with chainlink. pic not related to brazil info
>nubian queens rejoice
| r/chainlink | post | r/Chainlink | 2025-01-02 | Z0FBQUFBQm5teE5QWTlXOWthcmR2cnZxYVgtM3JQb0RWdGZOZjBDSkc0dm41WFhsQXo0X0ZJSWVqcE56V3FjUHRiUFZ6djFaWVV5bE1HbnlYUWd1dXJRRlFtTVE3Qm9Yalc4Q0k2cG5md3VBS3ZHMGtPYWp3QTg9 | Z0FBQUFBQm5teE5RUUEyMG83a1hhTEd3Z19LNlctdFlBbnNjRF80LUl6QXdFaG9RSktKc0I2SjVkdTI0V0FyaGlZdDJ2NHZGb0lZcEdRWm90OEMtZGtmN1Qyb3NwWmdnUUFXLVpmMGZQX3V3RFJkbGF0VmJOdUJmWlVMdXV3akF3bDBNYmZLU0V5UkxMVzVOZ1BJOG5TYmp6MG51RnYtbnZ2NXJ1WUMtWnU0SElZS2Z6YkJRU3ZIMVQ5REw0ZTl4d0N6alhTck5WeWxQ |
Look again bro | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-02 | Z0FBQUFBQm5teE5QbjJteWJTWVFjQnRMcmtaOFlxS1JNYV83ZDE3MnJ1UExwdzhuN3VvU0d1eVlTcDlLT1I4X2c4YXBPcktTQU1pYnR2dUZlaGdWdUI2N1RVQkZqX0o1Mnc9PQ== | Z0FBQUFBQm5teE5ROXpsSnpwY29GaWhuUWpZdkVhWWR2UGZaaVFHU3E4SFNFa1h3bmV0RkFpOWxSQ013NlJGTk4ydXNzYU80cEdEOEVoZ2YyTTlvSkJBWG45dWlDemJCWmx5YTN4Y2NKd0ZIbTZhLUNZSThYeDZZakdWbnNYWUFyTFFSSXFfakRuaTFhXzkxOGdXQWtOaS03MUF1akJKMkhNb3NFSnRlSkpXVFFaaXlLRENod2RRdllFY0ZhLXRsY0FZdktNWVdTXzY1RGhpOWR5MllTTVp1ekxvZDJESFVDWWxOSlFVdlB2VVhKWFl0b3EyVTVJOD0= |
After last month's inpennation of BTC price I would like to rebalance my portfolio by swapping some BTC for ETH, I still believe a lot in the potential of ETH, and for me this slow climb is a bullish signal and I would not want to miss it.
Any advice where to swap my BTC to ETH.
| r/defi | post | r/defi | 2025-01-03 | Z0FBQUFBQm5teE5QUWJDdlhUX2NNM3dyWHZTTnRKX24wUzlDUUZiSnJTcFJMSHV0REt5R0JFVUswamNPZTduaTdZX0g3WW1OTms4MFkxOVhiUGpUSTdianJqSFVudTlOMFE9PQ== | Z0FBQUFBQm5teE5RcmVpQVlXQkFuZ19rc2cwVVItYmgySTllWS01WTFkZFBEUWw5NzlsdjFiUlhrNEo3WkpQd0U4cmMyeDlfSTNyQmxLQ004MWxSaGdvWEJuWlhhWGJHNEpCU3ZQU213eW91RVctVHVPUjVKcG5CSTk2aS1laVdnQ2hIamN3OXFZM3NENEptSkgwU2VvdkhmVHZsMjR5bnl2aHBGRmZUQk1WTVNaNzVOVGhaWEdUbHBVNFhOVGhOaUpYMVl1MGppRHNI |
Hello all. I am relatively new to yield farming and am looking to learn from your experiences and share my own.
What strategies have been successful for you and what success stories / lessons learned can you share?
As an example of a strategy I am currently utilizing, I am providing concentrated liquidity to the SOL/GRASS Liquidity Pool on Raydium and then staking the GRASS tokens emitted for the additional yield and to build my GRASS position.
Thank you for sharing.!
| r/defi | post | r/defi | 2025-01-03 | Z0FBQUFBQm5teE5Qa2VEOGtrZEJGZks5UTZlUzZhV3JVQ21IalBCbUFNdF96VXNCem5DUDdEdDF3OHNfalA2aUxBV0VpYkg3ck14dlI1dk1JUGVFQ3pTM3pKYVBhVktYNEE9PQ== | Z0FBQUFBQm5teE5RZllmUnVTSy1ZY2NOYVJMLWdHWDlnNFB3WVd2X2JWSlQ2TTNUeG11dVVPR2wzd09iX2lLdTRjQmpnYzVhR21ObEVmRUJWdHptNmpWc2VaYWFRWFo4ck51NmZELXdkSks3R0czQktpTGZUcldmMUs0Szg2cFczdEhoSEswMVRVUG80Z0ZhLTM1eUhEVTVscUYzMjRVbkhFTXBaUlBNVHFnbVBUc0R0TXhoTWJwblluR2M0blRzT0ZveGI2VmhOWkc2NnhBQk14cDY5ZEhpbkJyUHh4SFdaUT09 |
Is it worth purchasing bitcoin and holding onto it long term, as opposed to buying and selling it for trading purposes? Keep in mind, I know minimal about trading. What would be the pros and cons of holding it long term? | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-03 | Z0FBQUFBQm5teE5QWGJZY3BkNWZrS3RMbm9TLThUR19qY3hTVHZ4akQ0SURnT2c1NDJsMVJhdUFOOHZIYmlUVGNQWTI2Q28teWhGY2JEUFdLRFZmU095Z29IM0VrWVBLSGZVT2pGNUxMN2toVEdNNnpoOUhaQUE9 | Z0FBQUFBQm5teE5RdXgxTi1ZZ2dNQzh2X0hqdlNLelRRdXBDNHF2TzdMc3JxbjBxbVFkOHdhV1BLMjNJN2tObXFKM1ByNVpTWlZaQ1V4eHFEZ0lKYmhVSTlRU2ZfWmNWT2dISHZCQ1ZUU0ZfMEdMSHVkRUZlcEhRVlE5WFVWUjNaTFJTZTRRR0NOVFBlLWpOeDZxWU1zeC1jNHpieTlySWVMalhJZmdOS3NVcHJKUk9qVHdINzJRRTl1aUE2QUd6THBad3kwaEtjU3VC |
Just a few partnerships. Please list any partnerships not listed. | r/stellar | post | r/Stellar | 2025-01-03 | Z0FBQUFBQm5teE5QY0c3NlVCNGU4aFlKbUtjVW9IQUdVM0V0SHlGUjAyd2VWdTdCYzZhUFZwZ0lKcmRjcmtsQkhBS0xsTWNZbWtzRzFuTEExMDhJRVEzZ3pKYVhyZnNvdEE9PQ== | Z0FBQUFBQm5teE5RU2p1ZWVDa003VUxuRm1lYUZqSFBKSTVlM19JbUtXcEs2bnYyanlzYjBfRm9nSk5uR3Z6Tk40X05rWU9kc3FtdW1pOU9tQ1N4eUEwOUFPY2V5d284U1NRZlNXWVdVNjZiZUNfUHUwRjFKMW9LTnNjUE1EVTdEc1VlQkRvV3NOUVlZaDhwVkFiNHdBUDVEUFM1SjN2VjRBPT0= |
I have sessions with OHLC in 1 minute iintervals that are normalized and scaled and all in the same direction (meaning a negative close session is inverted and is a bullish closing session etc)
I've tried k means on the lows, close, using the data as images w NNs but I'm running into the following issues:
1. Clustering is working good for a specific class and the other classes are awful that they are not usable
2. The clustering is not clustering the features that I need to capture which is the shape, is like does the market make a W or a triangle for example
I guess it's a problem of dimensionalities where I don't know how to go about doing this, I only ask questions on Reddit once I've exhausted every other possible avenue so in this situation what else can be done to cluster the shape of the session.
For example if I had X shape in LDN session (2-5am) it would give me a cluster of A etc
I expect nobody to code for me but please help me, I am always willing to learn | r/algotrading | post | r/algotrading | 2025-01-03 | Z0FBQUFBQm5teE5Qc2FBbHJVWWlrWkhfNmx5R3dvX1VWb3pDX2xoUkNVRGVIQzdvX1Q0REtJVktrV1V4bjJkNjRXN2tsejRicHVlN2xSbHhBU2Qtbk1yTUliTDFDelJZaGc9PQ== | Z0FBQUFBQm5teE5Rck5QR1pNSTJiNllMQkNYWW5teU9ZSkx5NEVuSEVKM01TeEY4ZmhUeU9kZ2ZfcmttMEVWQ3pDbFlnaEE3ZDhNU2JsQkVTTFM5Tk9KUVNVeWpUaE1IYlZwaFZ2ZGg4UkdKRHFGWjczX1lXNjR5RDg3dXBnZEVWdFUyQWt0aXBoMnU2M1RTZTJMRWE1Y2s3NVY1OU9Wa0FGa0g5OW5JSlBuUlMweldMOV96VDlBPQ== |
Anybody ever gave these a read? How informative are they? I’m trying to learn this new skill. | r/daytrading | post | r/Daytrading | 2025-01-03 | Z0FBQUFBQm5teE5QTDhIbnA3NXJRYUdBU01jZndZZ1BTN3ZNaFhzUFc2WGNIQVdYNlgyOWRjMm8wVlZIZFYzX3FINTg2YlljS01vMUc4M0dyVTB5MTZDNWh0NndyR01XaGc9PQ== | Z0FBQUFBQm5teE5RX0hrLUN5VUhJSHNXSEdKQXIwMTU2aFY5aWlHOWh2eFNMelpjeElqZ3Vxa1N1SENLbXlPd0VoUVpsc19EbWM4SVFPaWg5QV9QZ2ZWLUtCQnRXMFYzRUY1N1JNNEFZMEN0cGQtcEhBdGZzYllNalE3QW5vVTItRjR2T3VsSzJTOVJKdWlDaE9fZlhKRXhkMF9wekV2cHRWb0tjQkRlODVId1dzcXRvbHZMX1ZBPQ== |
I have about $55k of VFV in my RRSP at Wealth Simple. Not really looking to move away from them currently. I've been debating selling it now I passed $50k of VFV there and buying VOO for hopefully a better overall return. Idea being VFV has the withholding tax and VOO does not. The part I am unsure on is because of the exchange from CAD to USD having a noticeable cost impacting my returns.
Their fees are 1.5% of the transaction value or roughly $550 in my case plus there is the exchange rate which is currently not sitting too hot.
I am wondering if paying the fee makes sense and also does VFV already account for the exchange rate? IE if the exchange rate went from 1.40 CAD - 1 USD to 1.35 CAD - 1 USD would that be reflected? I am mainly worried about exchange difference hurting my rates after already paying the 1.5% fee | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-03 | Z0FBQUFBQm5teE5Qbjh6N08tQXcwN1VIQ1RibmxvNDBLeWtzMHhtZ2VlVE4waG9welRMRTFTTldWeUlNWUJMVWVkYWNlb0FBeDMxRUQ0MHFabGVDV2YyeFlVak9Nb0pQblE9PQ== | Z0FBQUFBQm5teE5Rc3pjang3VnZvZDRTTDM0YVNHV1NjVkVXTUJDdUFKbUFWSDdxQjhFa25meDdhZENUTTJadm1ZOWEzRjJoYVhuRjlETWMxR21COTJ4aWR1Ri1rdDdLb2Y5VnpERTQ5Sl91cDlEaE53dFFYMUt1Nk9pc1RjOGlYdEc2UnpBdW9ldkZIRWFEMDFidWVyODNWSDNxMGUwNWxzZnFKcmxYaFM3c1RGSmtEYjV0bWdzPQ== |
I'm hoping that my holdings will see big gains as January moves along. The markets always seem to be optimistic at this time every election cycle. Which coins are you investing in right now? I've got my money in AAVE, UNI & PEPE! | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-03 | Z0FBQUFBQm5teE5QejFpREtvY1ExeG40WlU2QjZpdmgzNWxBaGtyc1J0bjZDTllTdVJHc1E2OWpJNmk4UHVRNjZTQjVzaWZ3VDh1cV9GVFJQem9iaFNqNXFWeVdqUDdGdXc9PQ== | Z0FBQUFBQm5teE5ReGs1Zl9ZS1hPLXJsWlFVc0JqS3JzTF9iZDF3SExHT05tYVVFZV9FY0d2UjVLNDdkODhiNXNxY3JsckNuTVlkV1pLS0JmZ004eXQyRnRaQXQtaU9oY2pIQWRPLS1YZ19NYVE2eXZPcHdnYURwUVFjem1JNnFSY29kaTRIVVZ2MThOTGVfM29Wel82RWxja1VyUGV2OHJsdHBFcWlWTXhWRjFKUFZMYVJYTS1SalA3T2NFVFJqRk1UM3k4azRFZVhKZmpReDFFU19aelhjUjNEUWp0R0ZBQT09 |
I’m tired of paying for so many different streaming services so my son can watch movies he likes.
The final straw for me was: The bee movie was free on Roku tv for weeks and my son liked it and I thought it was cute. Then all of a sudden it’s $3.99 to rent with the option to buy…? Same with the Lorax-it was free then it was not free now it’s on a different streaming service. I’m over it.
I’m going to buy a dvd player and start picking up cheap kids movies for a few bucks from yard sales and second hand stores and he’ll be able to watch what he wants, when he wants and I’ll only pay for it once! | r/frugal | post | r/Frugal | 2025-01-03 | Z0FBQUFBQm5teE5QWTAxdzJOeFRMdGhlaXBHNUpYNU5HY1Ftb1JDOEIyTUVoYk53RWZTdUpvSkJfS0YxZDlDcDF1ZEFHdVdBbnRPUGtmSzViVDRVTm93V1Rmck4ySVI0X2c9PQ== | Z0FBQUFBQm5teE5ROWoyR1Vxa0lBT1RVbzJPMnBtMktSelpVQUdxMFlsZ011SFhOWjlyYXA1ZE1HcmlpU2ZSejNXbXRYZkdQUTJXbTA2T3RETmFxUDZQYzB3OFhIM2NUR29PS2sxYnQzNS0zelZnTkh6ZlotZWFfZk53c2pyUG10SzlMSHdYQjZsVzBaOFpYa2ZjNmRmMzh0aDBLZDlGd1VIMEptZDY2TTZhcWpRa0ZseFlDUnhXSGhVaE9hcmxkRXpKZmFPMi1kN2pJ |
|Rank |Ticker |Real Mentions\* |Prev Rank|
|:-|:-|:-|:-|
|1|[LODE](https://finance.yahoo.com/quote/LODE)|197 (8%)|3 ⬆️|
|2|[OPTT](https://finance.yahoo.com/quote/OPTT)|170 (7%)|4 ⬆️|
|3|[RVSN](https://finance.yahoo.com/quote/RVSN)|160 (6%)|1 ⬇️|
|4|[KULR](https://finance.yahoo.com/quote/KULR)|155 (6%)|2 ⬇️|
|4|[GRRR](https://finance.yahoo.com/quote/GRRR)|155 (6%)|73 ⬆️⬆️⬆️|
|6|[MVST](https://finance.yahoo.com/quote/MVST)|78 (3%)|9 ⬆️|
|7|[OTLY](https://finance.yahoo.com/quote/OTLY)|72 (3%)|10 ⬆️|
|8|[XTIA](https://finance.yahoo.com/quote/XTIA)|61 (2%)|7 ⬇️|
|9|[SVMH](https://finance.yahoo.com/quote/SVMH)|59 (2%)|20 ⬆️⬆️⬆️|
|10|[BNGO](https://finance.yahoo.com/quote/BNGO)|58 (2%)|48 ⬆️⬆️⬆️| | r/pennystocks | post | r/pennystocks | 2025-01-03 | Z0FBQUFBQm5teE5QeG4zS3BOUXBIV3dKZ21UekZCVnRyMkFVT2JXNmwzYzlJUFd6dmJ1X1o0WVFHR0xSTS1sUUNLS0hWN1N1Q29Ic04yR19KN0xCYXZsd1lfanVGSFF1RWc9PQ== | Z0FBQUFBQm5teE5RbV9udzZRT0hacXh3Y1paOWFkYWQ3LTNXVVVWQmVaU19sZ2Q0UTZlQ3BjdmNtdVJNSHh6ZTBVX1ZhcTJGVkxKd3BJUXRZbk9OYnRwMzU5R1lQckQ1VkVsbEd4ZGRWNEVNODBnYU9VV2ZGVXVtZmVxbzNTZjU3WDZyS0Y4b21ZdWVjX0hrQjhEMV96Qm5Td21BeEFvRVh6aGM1dHZvZmI1Rk0tWmVaRkdSQ0VXX3FJUXdaeDI0Z0hLWjdHOHlTNkJaSnVSdmRGMFpXem5iQlhPaG1uN19UUT09 |
Every year we get a lot of food, treats, etc around the holidays and find we need to “eat down” our pantry supply. So, for the month of January, we do a “freezer feast.”
Every meal has to use an ingredient that’s been kicking around in our freezer (or the pantry). Bag of mixed veggies I don’t have a plan for yet? Time to use them up! Two servings of a meal I froze 2 months ago and forgot about? Hello, lunch!
We don’t have a huge freezer, but somehow we get LOTS of food in there. I manage to feed our family of four for an entire month using mainly freezer / pantry items. I only buy produce and dairy for the month. (This is not a hard and fast rule, as I often buy ingredients to complete a recipe that uses predominantly freezer/pantry items)
It reduces food waste, since we don’t keep as many items past their expiration date. We also spend way less money on groceries right after the holidays. PLUS, winter months = SOUP, which I love when it’s cold and also offers an easy way to use up some of our “random” items like a ham bone or a chicken carcass.
Anyhoo, thought I’d share. :) | r/frugal | post | r/Frugal | 2025-01-03 | Z0FBQUFBQm5teE5QOXNMQ1ZsV0tDdjI2eGxpaU9fd3lEczE2QkJ0dUFqNDZ2QlUyQm4yRmVYTjVLVXZjdkcxdGxJU3EyemVEcDl6Yk44ejNZOFo4U2dBM3VoREk1YXJJWXc9PQ== | Z0FBQUFBQm5teE5RNWRsMTN4cXVUZlMyQnVzZVhzcGh5SG91d0RVTHVIUXU5a24xSXRpQ3B4eDdQSWJ5elQ0WGN6bzNVTW90Z1NRUXFEcGlXcy1CQUp5dWZFbldNM0tjdjRlR05yOEFfdDBKXzgyOHFHSVFTZjMzaTN2bXlYbWFROF9ud09iRXhPdzU0X3ZRdkZ5NGpzaDljWkVTLTE4SzJyc0N4bzZPVF94M1F1Nzh2NmJQbi1EZGNPLUhiYXNPalQ5MmV5c3I5ZUNuZDFXVmNOOU95VWkyTE9WaS1Pd1llUT09 |
Heading into 2025 what do you think are the best altcoins to buy heading into the next altcoin season and 2025 as a whole? | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-03 | Z0FBQUFBQm5teE5QUDM3VDByR2k5WGtXSjJRXzV4T2R0MHpleFJXa2tUVF9IZWVtNkNENkNRUUNWM0NzZ1ozcllCRU5pNzY3Sk5XX3RoVkp5N3pHeHVaLVNCR1l4UDU0SlE9PQ== | Z0FBQUFBQm5teE5RaVhIZ1NLM2l4QXlCbjFsVXZkQ3dMWDc0YWZKd3BLOWVMVjBzSFB5TWo4MWthU0FBLXRaaVVJZ3l2WHV4UDY0YTdnMFllN3RaNjBBS2o3S3hGc0hCRFdHeWZoQVp1X1EtNlRFTmZpcVhLVTZ0cUxvWjZnZ1BPeUt1N1BmYkR4X21PYmlLZWZWYnpHQWZMZlhoR2JuTGN4dElWUFktSHNuZ0gwbzFHdVA3VmVJPQ== |
I am a Realtor getting into investing, and trying to learn from what my past investor clients have done.
After crunching numbers it feels like 5% goes to Realtor Fees, 5% goes to Closing (Buy+Sell), 3.5% goes to the loan points plus 6 months of holding, and another 1.5% for utilities and misc fees, I end up around 15% in just fees and expenses that can't really be avoided.
I often brought people offers from HUGE investment firms. They would regularly offer around 85% ARV on properties that needed SIGNIFICANT repairs. I can't make sense of it.
For example, I had one home that was $700k ARV with $180k repairs. They offered $550k. On another, we had $1m ARV. They offered $850k and I think they had around $200k+ in repairs.
Am I missing something? I know investors that will even offer 90% on a home if it's in good shape...but Realtor fees, closing costs, and other crap wipes that out. How are people making money? Even if I saved my 2.5% Realtor fee I think I'd lose money.
It seems like the "common knowledge" 70% ARV minus repairs math makes sense. That gives you 15%,for fees and crap, 10% for profits, 5% for fudge factor, and then your repair budget, but that's miles away from what I am seeing investors offer.
Edit: But why the downvotes though? | r/realestateinvesting | post | r/realestateinvesting | 2025-01-03 | Z0FBQUFBQm5teE5QQi1aZ1hhTUhFX2loX3kwd29UYThSeTExNEprWVBRZWoxTk1VMXl3VWRyY2plTkZORXhRdTBtakp1NEpLeW50X0VxREpER1JpeUsyVEdFZEtUcHBnV3c9PQ== | Z0FBQUFBQm5teE5RZGhQZTduQnJrOThIY0pKRkR5bDlmSFdpUzFEcmdQcnhTcFQ0endkZ09TYXUzUS1oT2FYbFkyVm1ablpPWFM2M2FmYnJDUGpINmhWSVFwR1c1b2J4RHdiUWFaT0FuTm9JdHZUUVdBdUg2SWdlQkxNOEU0SVZISzAzYURwLXVkTVdicDRwZ242X0k2LTRMZWtkVVV5cnpqVjM0bE5wX3I0NzBvSy1vX0JSMzFwOElveDg2R29XUzh2MHdrVVlUeXZyNWZ5Uk92QksxOEZxSVhkYnZnRkhmdz09 |
I've created a tool that I think many of you might find useful: a UK Pension Contributions Calculator. It's designed to help you understand and optimize your pension contributions through salary sacrifice, which is one of the most tax-efficient ways to save for retirement in the UK.
[https://uk-pension-contributions-calculator.vercel.app/](https://uk-pension-contributions-calculator.vercel.app/)
This calculator was inspired by the [excellent post on pension tax efficiency](https://www.reddit.com/r/UKPersonalFinance/comments/1dyiniy/psa_pension_tax_efficiency_return_on_investment/) by u/Ok_West_6958. I wanted to create an interactive tool that could help visualize these concepts and make it easier for people to apply them to their own situations.
**Key features**:
1. Salary Sacrifice Analysis: See how different pension contribution levels affect your take-home pay and tax savings.
2. Real-time Calculations: Interactive sliders and inputs with immediate feedback.
3. Tax Breakdown: Detailed breakdown of Income Tax and National Insurance savings.
4. Pension Withdrawal Modeling: Understand how your future pension withdrawals will be taxed.
5. Visual Charts: Clear visualizations of salary & pension allocation, tax savings, ROI comparison, and withdrawal tax scenarios.
**Why use this calculator?**
* Decide how much to invest in pension vs ISA (or other methods)
* Salary sacrifice pension contributions are highly tax-efficient because:
* Contributions are taken before tax and National Insurance
* You save both Income Tax AND National Insurance (unlike regular pension contributions)
* The first 25% of pension withdrawals is tax-free
* The rest is taxed as income, often at a lower rate than when you were working
I hope this tool helps you make more informed decisions about your pension contributions. Please give it a try and let me know if you have any feedback or suggestions for improvement!
Disclaimer: This calculator is for informational purposes only and should not be considered financial advice. Always consult with a qualified financial advisor before making important financial decisions. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-03 | Z0FBQUFBQm5teE5QVVNRbV9QSWJ2VW1WRFBzUDlzRWp5Y0xtUng2OU1VMlFQb29MaXhMTWR6eTNoQjFqVDZ2VlhqMGhTODYxMXMyMUdvVF8zdW05OXo2ODgxcnB3dHFDdVFOeGFQWVloWEFiSGpQSkU2N2Y0a1U9 | Z0FBQUFBQm5teE5RenlUVGRHaDJmVzJBdUMtN28wRmhQa2ZPZHBuYkU3N3NFd1N4ZjVRLU1OVTZuM0ZYUjV0V19FZ0JFMmtBNldPOXZtc2xpVU13N1NFV01IRnZtSlA0QmdUQXZGTXFZcXdmcHJVS0lxQjl4MFpuLUx1SjJPQ055ZEhiVk1DNFhFbnNNMDg3QklaSFN2ODlWanh6WUlnUXpkQXo3QnA2X242aU1wbUtUeWwwc3Azb05lOU84bk1tenM3a2psVkFOR19tRmlyeHdKXzRUcUtGSzR0ZmVvcERwQT09 |
ANARCHY IS PURE, UNFILTERED CHAOS, AND WE LOVE IT.
This isn’t just another crypto project, it’s a movement. From the moment you join, you’ll feel the energy. Telegram? ALL CAPS ALL THE TIME. it’s not just a chat; it’s a madhouse of relentless hype, insane ideas, and a community that’s 100% committed to taking ANARCHY to the top.
No fake hype. No bots. Just real people building something unstoppable.
WHY ANARCHY IS A GAME-CHANGER:
🔥 DEV WITH A TRACK RECORD: The same dev who built $Kendu to a $300M ATH is back, but this time, it’s all about the community.
🔥 FAIR FROM THE START: No pre-mine, no insider deals. The dev bought on the free market, burned 55% of the supply, and left it to us to build from there. No whales (max wallet = 3%), no rug risks, just a rock-solid foundation.
🔥 COMMUNITY-DRIVEN MADNESS: Every post, every comment, it’s real people driving this forward. No bots, no paid ads, just pure grassroots power from holders who are all-in on making this succeed.
🔥 VISIBLE MOMENTUM: New holders are joining daily because they see what we’re building here, a project fueled by fairness, transparency, and raw passion.
ANARCHY isn’t about influencers or big marketing budgets, it’s about US.
The dev handed the keys to the community, and we’re proving that nothing beats a group of people who actually believe in what they’re building.
If you’re sick of rugs and scams, ANARCHY is your chance to be part of something real. This isn’t just another project, it’s a revolution.
👉 Telegram: AnarchySafeZone
👉 CA: GYPxyPtu6g1NmnEPPkTcCdSZz7ZMs6A1S3wTjnLdpump
JOIN THE CHAOS OR WATCH FROM THE SIDELINES, WE’RE JUST GETTING STARTED.
https://www.coingecko.com/en/coins/anarchy-2 | r/altcoin | post | r/altcoin | 2025-01-03 | Z0FBQUFBQm5teE5QcmR6aGVEa3BGRU9BSDdXTzg1OGg5X3RQOFJ5bnVnUVBiSk9WcmYtSDM5QUY5VzVuNDVzNHlfd1NfbmxiYVhYaEdYWF8wbHBoVXlPVzRnT2hOOFFJaVVwRjBXdW5iNnRhZjFBaG9tdkFCNW89 | Z0FBQUFBQm5teE5RRFBTT2gtb2xTcFAzckhIOGlobTFMek9lNHRBVWZXSFp2aXRaQjZkRXg3RHZnZmVKWTB1a3VIMENfTmRqeEV2SGlkV29yN2wtYVJFTVVyLWtNUjJhbWVxcHdIUk1LSl9jMTBCVXJmeHVla1VkWnpGbjhPeTE3bkRqMmIwOWJ2WDRLdTFJNWY1VmhVLTFFN2ZnZ0ZCMzJob0dVRC1xYlB0Y1c3QmlybVh6SUR6cmJieWoybHJXeWh3aG1pOWZVTTUzZFhpdlo1YlJhSlFtbmNSZ2hJdm9mdz09 |
This is the weekly Monero market thread. This thread will be posted every Friday and is meant to help accelerate the adoption of Monero. Due to r/moneromarket having only a fraction of the subscribers of r/Monero, we have decided to create this thread to encourage more individuals to use Monero for product exchanges. Until the market matures, we recommend that the Monero community post their products both in this thread and on r/moneromarket (to ensure growth of that subreddit).
Selling items for Monero will boost your (and Monero's) reputation as a legitimate form of exchange of goods. This is necessary for the growth of Monero, our community, and privacy as a whole.
## Instructions
When you post your product or job listing here, please make sure to:
- Give a description of the item.
- Link to a photo of the item (if it's physical).
- Provide logistics information (such as, location and/or shipping availability).
- Optionally, provide an additional (private) form of communication outside of Reddit (e.g. Bitmessage, u/protonmail, u/tutanota, GPG key).
- Post the price in XMR terms.
Spamming will not be tolerated. Please make sure that listings are legitimate and do not break rule 2."
Finally, credits to cdotsubo for starting the concept! | r/monero | post | r/Monero | 2025-01-03 | Z0FBQUFBQm5teE5QY0d2WTRLVzlxUXpLQ2FKTkZaeTBQVTVtMWZ5WWh0ZWFZMjIycDRzeXM4d29jRjE1Sk40MDN6SkQxeTJ6X2hiclRuNmtTU3pMeE52SWxqUW5SSDlBMXc9PQ== | Z0FBQUFBQm5teE5RSnpmd21TWkVfa0w1U2VaZks0NkViMDV6RmFYeS15SEJuM2NYYXhSS1R3WklHaHVWUGZrMzByN2hEOF9ac2dHeHJtX0lmNFd4WTJjNm42OTBMTm9CRy1EaFN5X3ROWkdiSHRrbDJqSVZSTTNhZ1BCdHJySV9qY0lGOHJHTFJ2azQ2ZlhvVjdWWk9teXgzd2FseVJXakhVWFl3blZocG0zNlJucGhCQUlubENPSHAzcTlYWkRuMDk3dFozVi1NQ0xj |
I use EToro's virtual just to play around and with my absolute bare minimum knowledge, to see how much I can profit, but don't understand the logic behind this and presume it's some form of fee from the site?
| r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-03 | Z0FBQUFBQm5teE5QampSOXFfQ09pTDFLRWlBdXhBSkNpNnM3RjA5WkRZSVFtalFCbEd2WDAtb2U2Qk5sVkdfNDRVbDlSSVJyNHJQc1ZpTEo2TFEzZ0Nja2xPQXp0WkRnYUdOcVd5UlhjQjQ0ZTFyUC1RVmlneG89 | Z0FBQUFBQm5teE5RamQ4bHVSMHdMeF9hNDhLejM2RHJ4Tm9nRW5NV1hEYlVfdmR3NFRfclFzYW9JV3pOelVFMmpVQWQwSmI5a3AwUEEwREt1WXR6dG5kRnEtNkxKdEpaVjljMC1wMHBzUHQyYVE2VFNCY1pIRVFZYXl5TVhzVEk0d0xSX1hBVzA1MVFzVHp6VUtzbHRxQ3VvcHNsVlNGTTRDRTRDXzlxNTh6Z0ZwWVBDdllNR3VtVDVwQ3pFOHdZTm9oMTd1d0JOcW9xajlOck5lNW1pdUwycDc0N3JaV3J0QT09 |
UPDATE. Thank you for all the support and advice, I didn't expect to get so many responses. I won't be able to respond to everyone so I am updating my post. I have a job, I'm just on maternity leave. I will call his employer/HR just to make sure I am not leaving anything on the table. I will call follow up with the mortgage lender to see what options I do have. Moving to another province is not my first ideal choice as my family help out with my kids. I will however bring it up and ask how they feel about joining forces and buying a bigger place.
Thanks again for all the responses.
My husband died 3 months ago and I don’t know what to do. I’m currently on maternity leave and will be for the 8 months. We have 4 kids ranging from 7 years to newborn.
He has no insurances that will help. I have received a portion of his CPP and child benefits. And his work pension ( 50K)has been given to me as well but would have to be transferred to a RRSP as a lump sum is subject to 30% taxes.
I just don’t know what to do. Our mortgage is $4400, doesn't renew for the next 2 years. 600K left on the house. I have no other debt. 20K in savings( meant for the kids) The house needs lots of repairs, and we put little down. He locked in the mortgage rate to fixed last summer that’s why it’s $4400, fearing the rates were going to keep going up but they ended up staying the same and even dropping.
The house is old and does not have enough space for us. I want to sell but I don’t even know what I would be able to get, I live in a 2 bed 1 bath in the GTA. I would need a 3 bed 1 bath.
I’ve been told not to tell the mortgage company as nothing will change my rate so just stick it out until renewal but it’s difficult. I cry every night and I’m just so overwhelmed plus being postpartum.
I even thought of bankruptcy. I would like to own a home for the security of my kids but with prices I just don’t know how it would work. And if this place didn’t need so much work or the payments were a lot less I wouldn’t be so overwhelmed.
Can anyone offer any advice or any resources I should check out? | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-03 | Z0FBQUFBQm5teE5QSEp4aTNnTEduQmtNb1NGM1I2SVhFSG4wTktScFJaUTFFc29iV2J6bWZ1TGZDdzR5dExCMk1DR1QyeU8wTElRT1p2cTFqQ0FzUnBjUmp1UnBDU1FPN2tVeE1zTW5ZcHRjRktIR0U1T1ZwZzQ9 | Z0FBQUFBQm5teE5RbUx3Q1Y4WHVMWlBxMFpUeTJoakg2SVRSTUFndVlSUWNIQi1WaGVxODBLN2JJTTRxeXcyRGRTVjM1enk3TDVqN3haUHh0bFN4OUJsRHBRSk9UNzZLT1Vwb1lmeUMwaUdsQ2w5NmgxdEEtZ09CZ2VwQlZaWXl5Q1VyNkRxcXpYOXR6U2JFUDgzTWlXSnBncHBoT05DY2FsZUc3Z1N2c2M4TVQ4OHlJTDdBYXE0ZjVtSFBXZXZiMTBCekZJOU4tNkhNNmpaU21qVjZCYk1iRDJicEJjZk9MQT09 |
Your daily investment discussion thread.
Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D) | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-03 | Z0FBQUFBQm5teE5QMmwtMF9INFU3cWM0V2dCRnY3UHQzMXY3VU13YXRjVzk2SFM1UFdkaDd6X1pwOTRzbHNXX3dtR2ltTUo0ZjF4WUhTb0F5VXJaX0RYODI5ejl1OF9kNUpLUGxSRWtFM0s4X3MxNm1OS3VhSDg9 | Z0FBQUFBQm5teE5RUmpBRXhhWWJLakE1UnpmclNBdTl6M0lVNk1uYk9zTnFNUENWd21zV0xSLUVxNC12X2o5NUxJbE5wbXlINFZDYXBnRXJGNEdTOGl3WnBXRTdIVGo3MlZ0b3NYM1RlWHlXcjg3YklHYWpFYXNKQlE4ZC1XdXVVWEg0M3VISlJ0cHZxRUV4dVFXYWo5R3ZzSU45blZ4emxtWlA3c2VmT2N5R2JQcW5rMURZWlB5cFVZTlVlTDBmWFpib0otenhPYldBQy1PQXVYMVJjNHFSZlVuaXMwNTIwdz09 |
Been thinking about this a few years, but given the market for starter homes, I’ve wondered about trying to build a tiny home village.
Get a few acres, 10 tiny homes, a few shared outdoor amenities, and charge decent rents for nice tiny homes.
Not sure if there would be barriers from local governments on the concept.
Curious if anyone has tried this. | r/realestateinvesting | post | r/realestateinvesting | 2025-01-03 | Z0FBQUFBQm5teE5QelQ1M1B5SHRtdnJGWEh6RHZFT0VsRVJneWZLazk0OEdjQU1PalpYRkZISHplYlVCWHlHVno0UzlMMG51UE9SMVVNT0lWRndNWDBpVmZId1BPbnZSMkE9PQ== | Z0FBQUFBQm5teE5RQ2RYakp4aGtGaGw1QkYxU1BMeXllRk93dkJYTkl6N1Mzck1aWERwT0gxRzhIdGt4Y2JPeUFodzZfYThyOWozTDZadE02VUJZMjJDWFprTWRob0hqMmhTaS1GVzNycWtYZWNoWENQTlhWdUJsNERncHJjM1pVSXItQVg5dVNmQnkyMU9BLXZISEJJQzZwX0liOWxBb29hVUt3b2tfNEFNVXRyMDZHcUc5Vy14bk5pYW9DVFFfSXdsOHFwb1RBRUZTQU5lWWZZb2hENDllZVFqQ0pVOXZ6QT09 |
I have 10k I want to invest on Monday. What’s the best crypto to buy before the inauguration? I don’t plan on watching the market biting my nails all day. And, if I lose a grand or so I accept the risk.
My plan- buy on Monday sell on the 19th. Buy again on 21 if things are going well.
I figured this way I’ll be minimizing the risk.
Please no inbox. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-03 | Z0FBQUFBQm5teE5QVVNKVktqYnNFc2JPZnV1UGVQaDk4dFdSa1M2X2lUbXU1MkpHSnZWTmRlNGN3M0ZhWm9wS0VJVHAtOVJGY20waUk3MXZBUHNaNldVY052cnV1MFBMZlE9PQ== | Z0FBQUFBQm5teE5RSHJaNk5EbjNEQjJaVkJWOXhUdTN2WnNSaU5xVHhlWVBrNV9XMzVaZzRxT2Z1R1NsV1E0TTZpM00wMEJ3RmRRSWF5QnM1Mm5IOGdmN0hYWGFEd0R5S2k4OTNRd1d6bExhWnd0WVAxeWI2TGx4YXRBNmRHd0FUYUE1QVpfMmZBc1J0NERZeDFwRHR4c29OSDBENC1BQUVmMElWQVNYc2g5NDFQTU10NlBici1MQjhPQ3hzdkQxNTZfODRjSGJ4NlZJVlJyek5lUVdNS3ZLcHUxZUFucUdGdz09 |
I’ve heard a saying in the Bitcoin community: Monero is like Bitcoin's hooker—everyone uses Monero to go in and out, but no one wants to hold onto it. The most important utility of a currency is as a store of value. Imagine a scenario where all Bitcoin users use Monero atomic swaps to wash their coins or use Monero as an anonymous payment channel, but no one is willing to hoard Monero. In this case, Monero holders are at the greatest disadvantage because they bear the tail-end inflation just to provide a low-cost anonymity layer for other cryptocurrencies.
Or perhaps this is a question of how to view Monero’s positioning and valuation. Should Monero be benchmarked against gold, or is it merely the best decentralized coin-mixer and anonymous payment channel? If it’s the latter, then Monero’s current market cap might not be considered cheap.
Even if a future event brings widespread awareness of Bitcoin’s privacy issues, with Monero's current development path, how can it retain those who exchange their coins, rather than just having liquidity come in to wash the coins and leave again? | r/monero | post | r/Monero | 2025-01-03 | Z0FBQUFBQm5teE5QUS1xZUYzVUM5SldLejFmV1J5SG5fMU1nTkdJZjNIeHR3WU5Mam81ME9XdE5HV0FEZFlVR3FYY1pxVklvd3E3UUNBQzlZdDhySVJUeldBcC1Iam9qV0E9PQ== | Z0FBQUFBQm5teE5RQmI4V25FQkJmcWpsMVZES2RZLWNsR0o4ZU9BTEQxeE9vSFQzUERGMEZ6WmRlQjZJd1lhZUgteUd2ZURaWnBLSi1qNkFaZGJIYnJNdzhuS1VWVGd6VGVWb0pwTXYxR0gyX0ptd3RKNUJjbnpMWkY0Z1NkR2ZYaVZ0QTgzTERWNHNpUkNFajREUmhMTUQtTW9oY2VETmFLNjYtN1VzenhEencwSkZQTE9ndHhiaTBzdUp0ZVNvMnFBcHhna1gwaVpUNlVUN2xWRW5xakJPdjBUZ3hrQnpBQT09 |
## Join Robinhood and get a free share!
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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 | 2025-01-03 | Z0FBQUFBQm5teE5Qc0tndHNEQzcybURCTkdpWi1MUDlCQjNCNWc1UktzX2VWR0RseTVhUERLUnlEWmFvZldvcmdWX2U4Vnl6TXA4eGRmNHFIX1l4dkF3V0JsbFBaQnYwWXJGRzVCQjVXbUZfWTJ5SnJhWm90NHM9 | Z0FBQUFBQm5teE5Rb01DVTBKVWZPaE54MFhHWU55YTZ4cTZwb0dSTjNwUm5xWEpycDlhMjhRNzhWX1hjZ0kyNS12M193eHM2SFFWdEFKMXlTRDk2VW4xQVRBN250QWMxLWlRN0otb09ZWk9oVTI5WU9YY2MtSlFWUFRHbnVvUm1EbXJ1MUZjajVfaU5fb2JRSkY5RDdwUmR6TE1MQ1pMVWwwaWowRUVaUFRzVlhMMWlqdlNJZ1lJOFp2OWdGbWxETXVQaUxUdFY2OFcx |
Let’s Gooooo tell one and we will pump it on 5 January ! | r/satoshistreetbets | post | r/SatoshiStreetBets | 2025-01-03 | Z0FBQUFBQm5teE5Qa2JFNFpkVWlITl9hUlA3Wk9MWWxHLW10MHlMSnpQdzNQM1h2dkg0WUdyblVoY0V6TEREQWpiSDhGRFd5YmFTYlM0cVdUUV9zQUtteWFXY3ppa2s0MWlvaWlqM3NpUUFydlNtQ3huYjBWUFE9 | Z0FBQUFBQm5teE5RQnBVUzlTLWFOcmthZW5wMkV2WGRORE9ER09QX3ZHczcwVk1SUTZBb0hIdkhhemstcTRhNElVM3p5TEVwaTZVMkdqNVJ1eG9TSHRiUzhoMGZKY09DQmVqWnhRWGJ3ekdkcnlZVFR1LU1USEk0OXkxQkk4eWZEQkxwUXViVFRLck1VdHpUcGFhd1dudmVUOTd2YmFXX1pINUpQMmU0QXRuQlhGV3E1YXM3X2ViV1JCTExOMGFzRGN6Z19JUlNBN19S |
A welcome change after Vanguard's increase in fees
https://www.iweb-sharedealing.co.uk/ | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-03 | Z0FBQUFBQm5teE5QNUZnVGh3MUc4M0gtajZBTVdfVERnemlBeUJDeHNnYWUyaGpHMjBwTm1XVURHdlUtakZVaHowcDhvYWxHdGdQZnRidFVaRWNXZ2RPV1A0U1EtQ2JoOEE9PQ== | Z0FBQUFBQm5teE5RcEtZcUg2VTdteTFLcjl0ODlnN1A0ZGNRM3hoWWpBSVhGcFNZbzRRRDBLXzhxMlFjWU5qRFU1d1Jkd1NKUHMxM3FSTU9vdEg4dl9KUzVWRGw2cGlTVWhXNEItWHpBMlJGbUZsWlNYX1Y1X3VpT2oxeUZ4bWg5VnZxZVNBUExXR041OGdabkt2c3c5RzNuT2FWVXRNeXVRTXE5V05VZzJNMFpRQjJWcDF4NTFabHkxWG9hMTl6Q2Q0ZnlWdTNzcFFVaXRQNzBGMUdRV1VfbG5NaEUtVV9Xdz09 |
I am really sad.... Didn't got the hard earned money(third world country) swapped around 77 USDT on sol to USDC on base and didn't received are those lost? | r/solana | post | r/solana | 2025-01-03 | Z0FBQUFBQm5teE5Qdno3Y3BoUzNVQVFiWHZSMGsxTnFFZVJSRWFRbFJHWEZ4VUk3YmNaT0M2U2FvT2wyY1ZGZWZvdkRPalBnX1ZvSVN0ZG05S2Vyb1JxUDZmMHJlVV9qU2xNaVJVZFZHUS1OYnpmcE9YZmt1X2s9 | Z0FBQUFBQm5teE5RQWFvRkZTaTFBWFI0bGFJYnJrUHp5T3VPbFZwMkxmcm9zSlpNUGNXVXFNMFlEaVJ0cmFEMEZGVXZlWTBEanJpY1B4dEpmSGpJR1gtZlBGNHJXbEZRc3MxY2Y4aDhLUl8tM0ZSZnZPdTdmOFQxSkFOT09QNXJMUDQwVnVQcTg5QWJwd1BuZlFDRzdEVzBuNDFhTjRMWDVfVVNkUEk2b3dCeW1zck56bndSTm0yRm9ybnJDUVZGN3RYS0lPbm1haHh1 |
If you had to pick only between Trezor or Ledger which one would you pick and why?
I’ve used Ledger and am personally leaning toward Trezor at the moment.
Cheers | r/monero | post | r/Monero | 2025-01-03 | Z0FBQUFBQm5teE5QaHZnTlFWa2ZUT3Y4alFxLW9EVlhtTHVjYVk1NzNoVzZqY2NaaHZGOURfVEtPLVMzeXFaeVkwcTZXUUVNSDRTeWRtX2V6UDFoQ25PUHhkdmhnMUd2VlE9PQ== | Z0FBQUFBQm5teE5RWWpBbWhNOGxldEIxajg3TGRLTlZpeUZpN1VBY09keld4cXpnU2xvTU9oU0NOOGU5UlY3ZV91aHJBTFFYVHlTTk94U1FVQXdwT0lEbkx1ejJGU0E4N19kWFZRaEMyVVhReFRRN215LTlvbVpyc2Z3QzdxbDdFMmo5UDhuNEVKdTV5V3lVM3p3M2otWDB4N2k2Q2E3dEZrUEVvUFBOcVBYQml0NWYyb3EzY1lVVVN1bmhDb3VaSmJUUE5YUGVia1o0 |
[In a tweet](https://x.com/RyanSAdams/status/1874528711237898671) Ryan Sean Adams - [co-founder of Bankless](https://blockworks.co/speaker/ryan-sean-adams) - said that Vitalik Buterin should be recognized with a Nobel prize in economics for his contributions to Ethereum and the entire crypto space. He said theres a disconnection between traditional economists and the revolutionary economic theories applied in DeFi and that Vitaliks genius most of the time goes unnoticed outside the crypto circle
I think Vitalik Buterin is definitely ahead of his time. He contributed to the creation of the portal to DeFi - yet like many visionaries I think global recognition of his achievements might only come long after his time. Everyone in DeFi knows Vitalik but to the rest of the world hes still relatively unknown. This lack of acknowledgment proves how far we are from true global adoption. Maybe we are still somewhat early
Both Satoshi and Vitalik built revolutionary platforms that changed the finance world forever. But crypto has been stained by rug pulls - pump and dump schemes - opportunistic influencers. This takes credibility away from Bitcoin and Ethereum and thats why a lot of people refuse to acknowledge that crypto is a genuine economic innovation
I wonder if one day Vitalik will be remembered as one of the greatest economic innovators of our time | r/ethtrader | post | r/ethtrader | 2025-01-03 | Z0FBQUFBQm5teE5QVUFObGdLS0lJM21uNUxhUmQ3M1hqclVWajZHMjFHcFJIUVNWUmEyMl9jQ3B1cE0zN0NkUUVZa1pUNkYxdlpKeDVDX2g4QTcwd1ZJYV9CSDVWQ2FhZUsyQWNEdXY5WW5hQ3RCRFpaYm9EZW89 | Z0FBQUFBQm5teE5RYTREZE4tbFBjN0p6WnJ2RUthVFYwbFAzQlRpNUh1dWd3ZnNOZjFIWTZHVGtzcGw1VGFCRFQ4bFVsMmd0ODc3RDZ6X3YxYWtaaUJTUjlUd05CWFljc08weTJiVGJjUy1SemllbFJyeHlHRmxjc1BoYmhyNGFydEJwcnZwMHN2NUdzNHBxZzByaFBmRnMtd3JvVXhYV2pLMV9NSG9oTUdkeE5Ja0U5ZFJUN0Zjd3I5Q19Yai1kdDFUUlQxanpWMUk3 |
HMRC sent me a letter saying they owed me £130 and sent my tax refund Cheque to "Tax Returned"
I get a letter 2 days later from Tax Returned and they have took £103 of it in fees and tax and left me with £27 😲 !!!!
It then says I made an agreement with them and can have the contract emailed but I have never herd of this company or have any knowledge of making an agreement with them...
Why didn't HMRC just send the £130 directly to me??
Is there anything I can do about this as that just seems wrong how they can do this
Thanks | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-03 | Z0FBQUFBQm5teE5QQzNneGxLbkM4R0txRjRmVXRIeXk2Szd0WXVtU0ZLN2dvRWFxQ05Ya0ZscDBmTkxxR0Y2T1dpd2VYckt2bklEbVRpdDBsMDJpR280bjFUblZtNmxrLVE9PQ== | Z0FBQUFBQm5teE5RLWlQM2ctVTUyUXU5RHBOVFpDQkRrejlKYVJrd2ozZi1GbG4tcmI1MDlieGhhT2ZvZUxwNGd3Z3JrSzFNMlFSOEhGZzZFZS1fei1KM1d0VDliUmtXTnRoQmhpdlo1aEl1c2FWNjlFcC1lbXFfcDlHV00tUFQtTTM4ck9jZlNkM08ybFdOZ2xFbDNKaF9zZnE5VDRuTWlZZk93dHhlM044eUc5b2xyZU1TSnRXcm5NT1Y4RUlfajJNanBBSGRlUXBnVUVUazQ2Vy1XWGh2dU5jOUtHSlRBQT09 |
Check if Popty has a minimum amount to delegate.
I'm not familiar with them, but I've been using BakeNug Deluxe and The Shire for my wallets and they've been solid. | r/tezos | comment | r/tezos | 2025-01-03 | Z0FBQUFBQm5teE5QYU8wQy1wMml4V0dtd3R0R3RmM2pORGU3cVV5VUl5VDM3MFNYVWZHZXpHclBadmNlT19pNi1XbFQxYXJFUGc3UVZKc05FNGVfZ3BVRmZXV211XzFxNmc9PQ== | Z0FBQUFBQm5teE5RcVkyWHJuX3ZITWtsWVA0WXZZRDdmVk02VE9MSXlpTm84WHl1UXVTeTVjRkxENW5ucHVGeGsyaUZDTnZmQnNuMW9DM3F2TXdNcmpmd0hDWFlBSlFoZVdFZ3hCYU00SlRFZlFHNnhzd1RRbXNJd2QyUmRQdkRDeHhUS1A2LUVvLVkweV9SN1ZZQ1BRQXRNQkZfekM4azJ2SkJWX3l4czhDYktSZEZOcmp3dnJkVTFKcUtBRUVleEFVdnBQY3V0VUk5 |
We have seen so many of these posts and it’s now just further polluting the already boring Solana Reddit community.
We are starting to get pretty fed up with a constant barrage of new posts that all say the same thing: “I woke up this morning and all my Solana was sent to a wallet I have never interacted with before!”
Please, before you post just check that it hasn’t been asked 1000x before. Think twice before giving your private key or phrase to sites. | r/solana | post | r/solana | 2025-01-03 | Z0FBQUFBQm5teE5QTU9ZWnBVc2xGalNVOGlHdWZxSjhocnhRY1VkSENCWUNLWDVPaU82TFNYTkctQTFkMkx5Y0tSTDI5Z1lLU1lFWnJLNl9RQjl3SlBSUEdwclg3MVpYUHc9PQ== | Z0FBQUFBQm5teE5RejlQRVUwRjBsTjNfa3ZHOHAxOWdJNS1LUWZRdDRseGJTbGxyb3Y1YlM5T1UzZWZLRUVaU3RGRlBCZzVqeGNPaXM1bHVXcGItanpfeUNpUm5yY2ZpWkhjY05ZM3g4ZHhhLUJCS25MQWhpd2Y0U3BWbmVscFBBUVFiTVN6a01yOWM1VXV5NXpBTzYzclZrXzRXTm1ac25hQXVmSmFlbndwMUdIZEo3Sm55TTJVWVZ2S2dCYWt3V3BGQmlyT1hadTZT |
We all know enough about Stellar and Moneygram already but one thing that u feel most people don't know is that Stellar actually has an equity investment in Moneygram and a seat at their board of directors. Not just Moneygram but also Puntored too, they have an equity investment for a minority stake for them also. Personally these are all really interesting things that paint Stellar in a better light but unfortunately one thing Stellar doesn't have is good marketing | r/stellar | post | r/Stellar | 2025-01-03 | Z0FBQUFBQm5teE5QQUVUS2NvVWxGU3c4OHVLaVZUQldrT25mQzB2U2V1WExwWnJYUDI5Q1REM0lsRUh1bkVlckNhemlxckVXUklXY2ZQU2NjV1Rma195MVJtbU9vUXNRRDliWjlCbzdlYm1ZN3JNWDBfek11dkk9 | Z0FBQUFBQm5teE5RX1h2cjNXMU1fUjFubmc2b0NFY25ZR3hHNDMtUzVKb2RkaGI3d2VQdnViY2J1RmNOSjg1NzJWTmFEbmtoM3VJU1lGeW5yZzE4eVJmYzZhXzZ2YzNwSWhMaVI5MFZFalk3bjNNOGdqelc5ZHBsSEtzd09XU0gzak5pcGxnZFlaTzlKRFBRbXR5YTFOWXktMGVCZnBqdlV4clNCVUF0emswOUZBbUtLN1NhOEJ5aFg5dUR2MDlyTElFMllSeUVtVE81 |
Yesterday, I shared my thoughts on BIO Protocol and its potential to reshape how science is funded and shared through Decentralized Science (DeSci). Today, that vision takes a big step forward as the BIO token officially launches on exchanges including Bitget at $0.98. Having bought in at $0.60 during pre-market trading, it feels great to be part of a project that aligns with my belief in advancing medical research and global solutions whilst still making money.
BIO Protocol’s approach to combining blockchain with biotech feels like a natural evolution for research. By decentralizing ownership and governance through BioDAOs, it opens up new possibilities in areas like drug discovery and environmental solutions. This listing is not just a milestone for the project but also for DeSci as a movement, proof that science can be more collaborative, transparent, and impactful.
Being part of BIO Protocol feels like contributing to something greater than myself. I’m excited to see how this project continues to evolve and shape the world of tomorrow. Here’s to a future where breakthroughs are no longer limited by funding or accessibility.
How do you think blockchain can shape the future of science? Let’s discuss!
[https://coinmarketcap.com/currencies/bio/](https://coinmarketcap.com/currencies/bio/)
[https://www.bitgetapp.com/price/bio-protocol/what-is](https://www.bitgetapp.com/price/bio-protocol/what-is)
| r/altcoin | post | r/altcoin | 2025-01-03 | Z0FBQUFBQm5teE5QV1ltOUNOSnU4VzRydlhOVV93MW1ZZ0hMSkhwTjZvSEE5SkJWM2lCSElCYkZYbVRjVHVGQk9yaW1neXg0bm5xdlk1RGJycXQ3NFF5cUhmNzlnRGNXMXc9PQ== | Z0FBQUFBQm5teE5RN1kyTGwwQ3I5c3phdTIzYTdZNE40T00yR1dUdTctaDRYdzRPeXNSeEMtN1IwSXN3TVRzampVeWpWUnpVamktWmw4ZVVFN1VWTVJUNWhXancxcHBGVV9KNWhjV196UG8wSUdkNGQ3SUlsOFhWajdaenE0ZlVXMkZDVXZubkZmZDhHOXpnek9aRVV6bmJfeG94aGZjQXN0UkRCUjZvVkxITlluUlJoeFBUUWcxbHpNS01JTWlCYzNFaFlJY0tjaG9ISFVfQmNrM2pYQ21fZTQ4RGp0Nm5rUT09 |
What should I focus on more? Buying xrp or buying xlm? With the end goal being to just make as much profit as possible in the end. | r/stellar | post | r/Stellar | 2025-01-03 | Z0FBQUFBQm5teE5QRDZMXzhIOENHNXJzbGI2Sno2R1JlM0N3d3h5WHBiRzRFRUpTWjNPRG0tamRpY01BY0g4OS1iX2FNdnpYTkVwWC0xZGN6Y05vWmozdzcyZGFTUm40bXc9PQ== | Z0FBQUFBQm5teE5ReHVqRTlGQnRCRHZRbS1EQldLbFdCSkVBUXVpQVBFTWhoU25Rc1NMZTE1cWJtY0pTOEVQWG1XR2lFQ1dubzE5TXVGVDlVR0p4S3V1eXVwcjRoTXRZVE1VOWIwTTBheVNQMnVJNFlhc0ZRYzhPU2xoVVh6cXBLbEZBS1l0SFc1RkszYzd1dHNTNGJKb0dZVzQ4VTFZYjZnPT0= |
Everyone who's been around here knows that this is a fairly risk-averse community. A standard line (which seems very reasonable) is the following: "*I'll save X amount and if my portfolio drops to X% of its original value, I'll go back to work until my portfolio recovers!*"
Usually the objections to this tend to be framed around the fact that it might be hard to find work at a later age, or hard to earn enough to recover your portfolio - all valid points.
One topic I don't see discussed very often is that **a successful portfolio will often times reach values far less than its starting value (inflation adjusted), but will ultimately succeed in the long run.** This is alluded to in this ERN article (not overly technical)
[https://earlyretirementnow.com/2018/02/07/the-ultimate-guide-to-safe-withdrawal-rates-part-23-flexibility/](https://earlyretirementnow.com/2018/02/07/the-ultimate-guide-to-safe-withdrawal-rates-part-23-flexibility/)
>In addition, the flexibility of working a side hustle raises the issue of what we call a “Type 1 Error” in statistics. **We now create failures – of sorts – that would have been considered a success under the inflexible 4% Rule. Specifically, some of the historical cohorts would have gone back to work because they didn’t know in real-time that a strong equity market rally was around the corner (e.g., the 1970s!).**
My own data that I put together based on FI Calc shows a similar problem - we have a lot of **successful** historical cohorts that **look like impending failures** in the first 5, 10, or 20 years (using assumptions of 4% or 3.25% SWR respectively, 85/10/5 split stocks/bonds/cash, 50 year retirement). In fact, it's a lot of them that reach scary looking numbers before recovering:
[https://postimg.cc/dLrRCCCK](https://postimg.cc/dLrRCCCK)
We can't really out-save this problem as even a totally fail-proof 3.25% SWR will still create some scary looking scenarios.
So the question is... how do we deal with this problem in the real world, and at what point do we decide to give in and go back to work? We want to avoid sending ourselves back to work unnecessarily in retirement, but we also don't want to run out of money.
Do we just keep the faith and keep spending our inflation-adjusted amount even when it ends up being 6% or more of our portfolio? Do we panic and go back to work? What level do we need to reach before we start to truly worry? Are there patterns we can find in historical data to help discern between true failure scenarios and scary market blips? | r/financialindependence | post | r/financialindependence | 2025-01-03 | Z0FBQUFBQm5teE5QZGVXSi15dnRORFVWcE9wRnVldVZSWFNjMlEyLVZVamt3b2dWWUs0NkRMLTVvTlRLOXNrb1NmaWpXNHl1Yk5nWkJ4Nm9vRzRiRXJpTUFudWJHVF9vUU9UUWxWSVAyM2taMWk4ejhPamlEZ1U9 | Z0FBQUFBQm5teE5RV01ZZTY2Q2t3SUtMeGNCM2JOdnhjMkZ4cHpTektIZDZGSXY0b2EtcHZRYzYyZ1Bzd1pCdktsVTZvUFhHaTFoZjQyb3ZCYmZRWVc2c1JncTlRX2t3MVhPb0s5NmFjb2tMM0hRSzVUZmtlRjRPTnZxeFFMRFRtZnlfSVFyb01qR21pMHI5bC1SOFhqMGhVTEpKQWIxSEh0WTNGSGlHMzJ4Z0c0WTVWdlpBNWJrX21aN3E1cXFQakxvaEJ3SC1ib2d5RG5yNWRaS3hPNEwtRHRrS2ZmNjZSZFVHUEV2aEVIQm40MXVjNzRUc25IUT0= |
With smaller bakers there can be more variance in the rewards because of the randomness of block allocation to small stakes (1 or 2 extra blocks in a cycle can be a large swing in reward %). 1% difference in fees will not double your rewards, it’s the difference between getting 95% of your rewards vs 96%.
The bakers tab on tzkt shows the expected apy of staking and delegation so you can the differences between bakers more clearly | r/tezos | comment | r/tezos | 2025-01-03 | Z0FBQUFBQm5teE5QWUZBX0V5YWljWjdiZXpvZkx0TUNoQlE1YUNiY2p3OGRCZFQ1ZEFZZjhFQ1VyTi1pWlpkRk5HUzB3cFctYlNsY0hYVlB4c0llQzVWRDFNWDZNbGZoMnc9PQ== | Z0FBQUFBQm5teE5RMHh5OVRBZzk2T1duYTM5ajhKQzJUcUxqRlRUV1RnZC1aTXY0ZzFhX05kMzh4OXZnQ3BzV3c5LWJZRW5FbTFGVjhzZWxJU1FOdWxVcEVOWTJ3NE1KQUlKamtFQmZxdWFyV2JPV3J5UlhKSFB3dnY1WFl5bVNWQjJvakRxWUVMOHFtUWZwTU9OODVBaFhNQnVkR082bDNBNGdXSzhUbUxYNUNId3J3ZXotcVlCRzA2Zk43UjQxMndUQ2dGQlgyMHJO |
When someone wants XMR, people say
1. Buy XMR directly from CEX like Kraken.
2. Buy LTC (or likes) from any CEX and then swap to XMR using trocador or haveno etc.
3. Buy XMR P2P using haveno etc. (or localmonero in the past)
The thing is, I don't understand why 1 is not a good idea, compared to 2.
To me, 1 and 2 seem to be similar risk. But people recommend 2 more than 1. Why?
If you buy XMR directly from CEX like Kraken and then transfer it to private wallet, nobody knows the trace afterwards.
The only difference between 1 and 2 is that Government knows you bought XMR (and amount) in 1, but not in 2 (possibly).
But the fact that I bought XMR doesn't mean anything in practical sense.
3 is valid because 3 doesn't require any KYC. But both 1 and 2 have to have KYC/CEX account. So what's the point of 2, which requires more step than 1? | r/monero | post | r/Monero | 2025-01-03 | Z0FBQUFBQm5teE5QNnlnRVp1TlBsTC04dklVVFZJZ25FQWpVWnIwbFhSWnJ4STYyTjF2dmlELVJrbkZmQXlDcWVYNzFvM0FTU1hCQjYwdXo2SXlDTy1GVElZSGRNeHZfS2c9PQ== | Z0FBQUFBQm5teE5RN2lhSXNFTXJ3Q1pfT0VXYXhDc3FqOHFPNmhDZHdiNmw5UHFhQS1QZWJWYlJMVUR2WnEzQ0t5TXIzVEhtRENvcHk0c0J4a3JJdmJqcHZWd3pORnBob1J1bVNkZGVMTVEwNUMyZnQySGJQa1p5V1M1X01wV1FPWlNyX3Z4RDQ0QU9mZ0VfY1F3a2V1SGI3X3hBcU82eDVrMWdJNlhOTXhEUC13NHhyYjI3R2U5MW5hVF92T3hRVTZPNTNLS1ZqM2RzMnVqNGgzc3QzZy0xRW9FSm1mX01wdz09 |
I am searching for a wallet that supports creating multiple accounts (addresses) for the same seed phrase like MyEtherWallet, but I need it to support other non ERC-20 networks like stellar.
So I need the two features together supporting networks like stellar and creating multiple addresses and determining the branch I want to open and get control over (determining derivation path like that m/44'/60'/0'/0) like 1Inch wallet but as you know it only supports ERc-20 based networks .
Can you help me , and what wallets do you use for purposes like that .
| r/cryptotechnology | post | r/CryptoTechnology | 2025-01-03 | Z0FBQUFBQm5teE5QT0FfaFVtSko3WUxmOV9pdVhQYk4wbTZEMEJ3WG9Fd0xnLV9iZTRXT1NGWUp3LTNmdE9fa1JvaThnUV9Ia1UzTzBDRDdadTdvQmNybk5kQ2F1WjNMRkE9PQ== | Z0FBQUFBQm5teE5RRDZnVThSaWlHNUlVd2FWMlRBbGJKRHVOdGNMc3VyREtqeVNsbDNtdjdKNUhuZXhWX1dmMWxHYjBQelRkV0loSXRGWHR5YU9GT1padktEYnFtZWZIbVQzM3Z2R3FHVnpJaUFpZ0lyb2VvT2huSllmTl96VlpHbWpoMzg5THRGVTEtM1l1YjVIYnJtZWhoZWNJM3JIT0xsS3NBblZtcjlpdk03QWJwOGpPSzd5X3RxQ0tSRWpJcHN3aklwYThFS19G |
I just purchased a small business less than two months ago as a First time business owner.
My accountant is 70 years old and has Parkinsons. I was warned by several people that he's not able to do the work. After a few weeks I've seen first hand that is the case. It's mostly mental proficiency making lots of mistakes. his Parkinsons results in tons of typos. And apparently he's fallen at least once. I cannot keep him ok board. It's a huge time suck and liability.
I've already reached out to my lawyer as tp the right way to replace him. And am in discussions with new accountants.
My question is: any advice on how to manage him in the meantime? I like him as a person. But he's the type that will not retire on his own. His work was his life. And he won't go anywhere until he's forced. I'd like to gradually bring him around to the idea that I can't keep him in his current capacity, would love to encourage him to acknowledge that irs time to hang up his cleats.
Any advice would be greatly appreciated!!
| r/smallbusiness | post | r/smallbusiness | 2025-01-03 | Z0FBQUFBQm5teE5QMGVNMDI0VVNWTzRhNVRHR0hLQW5qQnhQZUpBUGdRN2FGTVZia2xxUkdGbk1vQ1RGRTVDRzB6OXpna1ZESG1rZUE4QlNtcUg2ZDNXdGREYkwxZS1MZ21za3lqQUt1bzZhS0wwbkxRZjdFWkE9 | Z0FBQUFBQm5teE5RM2tTbGxvZUExX0xKM0ZQZ0VNaTNBQkc1OFl2OTdzM1BTNmQ0T1B6ZmZTY25reEViSGpkVlVwVDcwelRWQkszOGpwNTJRMjgzTEhpNFVUM2pQeG80bkRnZjJnVC1XSVVUV0FzXzVxZUdJN1lNUTNrT1FMRm5wNU9ROTVWWWVZVkpheHdOWHRkV3pWTkVqdHZ0a1RDN2VGUmZoTkhGc1piVi14MlBfX3JmeFI4TE9yU0ZZcWo3MUZQeVhTaFV6VnE0TDhmY0tPOTFGbFY5Mk1aOEg0REdaZz09 |
If you're staking, you will only see the payouts from the tiny amount of tez you have left delegated. To see staking rewards, you have to check the rewards tab on tzkt. Those staking rewards do not show up as a transaction like you're used to with delegating. | r/tezos | comment | r/tezos | 2025-01-03 | Z0FBQUFBQm5teE5QUkg4TTlXUnNNYzZWV2JTUTlkMVZnZUdyR2FpLUNkMkc1cGx4bi1MeDhoUG4wb29RQmx1WTB0c3R3c2hQbVlmSTZISmJGZGVacFJvWm9abVRZU2liaEE9PQ== | Z0FBQUFBQm5teE5RUGxlLWJQSXdjOGNvRWVZZTlKU3dSM0E4cXhjdWIwVUNuWUFteEozU2Q4Tld2MEhHVWNwY24zVUt3N1pVZWhycXk4RXUxMXN0bXVYRmVCamRyWlltV3Nsc1h2YmRSRWVuUlJLUnNXYkltNFMxMWh4Z1ZuUjNTUHo1cWdmcXh4eTMzeTBjVUxzVW5KTDJrTHYzcDAtWks5YklnR2V1a1Exd3N6NUlQNlhtZUd5Y2dDQXZDSWppZDlCY0lrMzc0Y2lW |
RONG 10 Max supply
Price: $1,300
Cost to own 1 RONG or 10% of its supply=$1,300
Market cap needed for $1M price=$10M only
Trade in Pancakeswap under BSC
BNB/RONG or USDT/RONG
Contract below
0xb6dea09415611c6f0425f3437c43de966aa7a1e9 | r/satoshistreetbets | post | r/SatoshiStreetBets | 2025-01-03 | Z0FBQUFBQm5teE5QckRVeDVuUVJwdXROUWkwZC1TcXBJdlhJRGk5OGhyZERTX1l2TnlVNklYV012LVllOGdzSzZRd3VOakhvTDZNcnJfdEgtcWJsM1ZKUkMtNTdBUjdtZGc9PQ== | Z0FBQUFBQm5teE5RUi03dEZuUEhudVk4WkZtOVhzWlg4WEZqMnUtR0dmaGpwWnVBNVcza3ZDRHREcG5tVFNvUlJqX2JxLXNfTmFYbkpURFY5b3MyVnVaTnlmMElSM242NjRVSFBoZnBMT2ZlM25EXzAwalRadVk2MG9sOE02d3BjX2syS3ZjcjRObTE0Qk9HVjlKVGZ0QzFKVkxLaWV2SjZUZFdmUGZDWEQwNzFoVTRqU1JzellNeFQyV21ZLUNFQ0tUWEZxX250N0hr |
Would love some advice. My parents gave my 3 kids, age 9,5,and 3, 10k each for Xmas. What's some great options to invest or save for them for when their older? Cheers | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-03 | Z0FBQUFBQm5teE5QdVpoTmczTFNrREFYUjRXeHlyOXZsWGNpSU05d25FcllpYnJQWklUR2xvRDUtZ0ZYUTg1YU5mZ1FRTWhjdFNhNHBtQVJ1WlE2VzkwaXdBQ3ZfUDNaNGc9PQ== | Z0FBQUFBQm5teE5RUG9aQ3U3Q0ZHaE5yRjhXcFpxT0pNb3hVS09PWHo5cW5SMVptU2Zid2NLell0YTZpUVRsZ0thYTVMeHVwd3MwQ0hYYnpIUEFyYlNnVnNQLU9jWFE3VFZqakVVM1FQNzQtbHpzRUZMLVIzV2pwaE9sTTFlNk9LWGlWNVNLczYyWGtwajI0c2p1dHEwd0dUWndKWmlUUHNqckVaWi1yMmZHLW5ibi05U1Rzbkc2S3NhYnZyNzZsZEFGX1c1eVVHZlgw |
AI is making a significant impact in the crypto space, simplifying complex tasks like market analysis, trade execution and portfolio management for traders. With projects like AIXBT, Virtuals Protocol, and Aethir leading the charge, AI is helping traders make quicker, more informed decisions, improving their overall trading experience.
One project I have been watching closely is Zerebro. It stands out because it mixes AI with content creation. It's Built on Solana and Polygon, Zerebro uses AI to create unique content and NFTs. What’s even cooler is its autonomous trading feature that analyzes the market and adjusts strategies to make smarter moves.
Zerebro is already listed on platforms like Bitget, and it’s exciting to see how AI is changing crypto in ways we haven’t seen before. It’s not just about making trading easier, but about combining creativity with finance.
I think AI is going to keep shaping the future of crypto, but I am curious, what do you think? How do you see AI changing the game for traders and could projects like Zerebro lead the way?
https://coinmarketcap.com/currencies/zerebro/ | r/altcoin | post | r/altcoin | 2025-01-03 | Z0FBQUFBQm5teE5QN0IyNUJlbV92SF9Hc0Vzdk5xQ3VZSnpEdW9PejFnSUIwbEtKcmhCbGRXNDR5UlJxTDkzWk1YclAtbTVXSzNjbTZQNUg4dFh0enB2NGx3UG1faERDdlE9PQ== | Z0FBQUFBQm5teE5RU3lsWGdLUmlMaWVfemVUY2J1b05fX2VmQW11UUlHTlJ1Z25TX0d4X1ZsblNjNkFiV214Z3FvWE1taE9LcmdXNlotd0Zaa1NKZjlPQU1TS1RwN3RPWGNzdThrWTkzel9QbWJzb2tYeGFiemVtZmhYM1NfTXl3ZXpEN2VRZzc1eHBSWkc1UGxoUnN6TEE1ajlrLWxaRUlfNEJfQk83NHNRNVZ6UTdhN3BFYlI1U3ZZWHV0Z1VSWUtlQmJYdWZKbFhv |
I think one of the biggest culprits for people getting their wallets drained are fake Safeguard portals.
When you click a Telegram link, you'll usually be brought to a Portal channel, which serves as an entrance to the chat room/group.
Portal channels typically have with a button that says "Tap to Verify", and verifying will allow you to enter the group. But bad actors have created fake portal channels, and they'll add the fake links to Dexscreener by paying the cost.
When you click Tap to Verify you'll be brought to screen where you press Start. **Here, check the username of the bot you're talking to.**
It should say @Safeguard *exactly,* well, I believe it actually says "@Safeguard also @SafeguardRobot", but if it's anything different than that, don't click.
There are other portals besides Safeguard, but Safeguard is the biggest and the only one people are bothering to spoof right now.
If you click you the fake bot's tap to verify, don't fret, it can't hurt you yet. The fake portal bots will try to force you to to download or install an extension or add on. Just don't do that. That's what will fuck you.
If you do do that, immediately set up 2FA for your account or change your pw if you already have it set up.
Hope this helps a few of you. | r/solana | post | r/solana | 2025-01-03 | Z0FBQUFBQm5teE5QWHVmSXBzRUNBbEFESjh3SXk3UjVucE9MdTY4YUVsdi0wX3dxLTd6eDBpdUhPam50NEo5bVVMNVBOWDRlRUtlVi11VWpxZHpqZWRaYUNEcURHeWUwTHc9PQ== | Z0FBQUFBQm5teE5RdTZCdTMxcWFISzV1ejJ0SmVoVGdpejduazdpYWZvYXFpQk1jWnNMV3dYbFFQZnd4dXJpRUNqc0JuX01BaHRhaDd4d1NsdTduTHFOZ2psdGU4eVRwbFFrcjFEOHZBdWc4MUhkQ1E0Y2xob2Q0RlZRdjJId0UwM0RycVowZ3ZMUXppOE1JQjc4eHhoWFlLeUVaeEdZY256dmhMOGFEb0gtcmNITTJqSEVoNlNKUmptSzVFdU9acDQ4WTBNNWJ6Y3pGQXpqMGdvUTc3VHZHV1lud1l0U3ZnQT09 |
Spent all my college fund money and my Mcdonalds paychecks on spy options instead of pursing a finance degree, still not giving up though😀😮💨😀 | r/wallstreetbets | post | r/wallstreetbets | 2025-01-03 | Z0FBQUFBQm5teE5Qc2s1Y2dsRU1FMmx6bEh2UENfSVRoaURnQXFxQ1JxUWlWUFZLbVQ2OUlYMjRweWJYbExfbjV2a2xlM0NBMVJwSldzRGgwekZORjJQemRLcDhmZTZONmc9PQ== | Z0FBQUFBQm5teE5RbVBJUnduc1ZFcm8td0s1aW45NWhsQ0dQZzVhcVlzcmFycFZTeHRjMnN1N1FUYlRkYTRlQkxlWTIyZFhUMk54ZzRzSGVGU2lnVVpHMEluZFZpOG0zelFFeTVPelFpWU5IMWJzOTdFenpOUDJJdVZUaXBBaHlQVEl2RFFHTXBiQ3FPdlJCRk5ZVjhxQk5MeWlOamZ1b1dBei10OEk5cHVtNUg0MFlOVllGbWpadzROWC1kT2R5U2NxMWZ5SVRvNDh6 |
Filecoin Staking: How to Stake Filecoin and Earn FIL Rewards?
https://cryptonews.net/30316913/?utm_source=CryptoNews&utm_medium=app&utm_campaign=shared | r/filecoin | post | r/filecoin | 2025-01-03 | Z0FBQUFBQm5teE5QdlNWZW5MdXdoQjV6aV9LMzZlZkZTZExCajkzVDVSTktHeXBHNGVWdWJjdXBXRmQtYW5lMF96RTRHUkRaUWNFODVWdWZhQmhOQkhVZDAzSUwyWlFnT3c9PQ== | Z0FBQUFBQm5teE5RZzdwSnU5ZnkyMTN4d0lhdW1QdDZKaDNOZ29UU2szYnk4UGoyd3lsMk5QS2ZMallkR09KUS1qcnJaa2EtQnBPbzlTM1hlUmVGR3pkdkxIWm5NTVlMVE5lT2RScGYtNTBCRmtwMGxEM3A4c2F0VmtIUVFBeWItbTBoOUNVRkM3ZHpYMWgybXV4SU15TmRHRzVuQU5Ld2ZmRVJFWGpBbFZya1MtMTQxQ2wtdzRSLXBNeUdNZVNNaWhMcHVKUWRQRzJ5ZlJpM0Y2YWdXMVQzcTNOMS1yOE9hUT09 |
I was in Costco at Customer Service today, and the associate at the counter asked if I wanted to apply for their credit card. Part of his pitch was that, on January 19th, the percentage back for gas and EV charging would be going up to 5%. Had anyone heard/seen anything to confirm this? I figured I’ll wait for a few weeks to see if it was real, and think over whether I wanted the card. But it seems weird that they’re saying that to potential applicants but not then advertising it widely | r/creditcards | post | r/CreditCards | 2025-01-03 | Z0FBQUFBQm5teE5QMjlhdEZCRzVYRVpfMVlHb0thRDd6bFJpQVRMMFRKWFFZemhhUGJPTGVfMHhEc19pRXZaRllEVEljM2JXWVBlY1pDSnRpUVhTNlo1VUtNODRvN25FZHc9PQ== | Z0FBQUFBQm5teE5RMU9WeWhVVmVUTE5RNFI3OGxwNWxPeEk0V2Y2RnA4dFdFX3BnX2NOY1padTRwRWNwbk5SSG1ZRXExOEY0c1RQRmhZX2JQZzlzZ3Y2Nnk2a2ljalJySDJXRXBSSE5CZ2xGcmdxTFhXQlNjWW1VZVRWdWlFbUJxWk14LXd6ZUR4QlljYlZmS0pKMG1RLTZfaERCdEc1dUk5dkI3VzJmZmh1Ry1kUS1yZHNvZ29iaEV3cnZLZTRSSVNSMUw5Q3l5WnJFMUMweWdRdVhVZUItaEY5MHhicHZCdz09 |
After I max out my 401k where should I put my cash? I make too much for a Roth, and the company I work for doesn't allow for after tax contributions, I've been maxing it for around 10 years and have done great. My 401k is 100% S&P and it's crushed all other funds in the past 5 years, with the lowest fees. Really glad I did that. I'm 41 and have $730k in it.
Outside of the 401k though, my investing has been a trainwreck. I actually lost money last year as I was shorting tesla smh.
If you had around $100k cash and generated another $40kish extra in the year, where would you invest? | r/financialindependence | post | r/financialindependence | 2025-01-03 | Z0FBQUFBQm5teE5QNXpVRElzd2M5QnZIel9DWHhPcTVCa0NoU3JhU3ZsZUxhYWdpMUVaakJSQ2I5OXItcXllUU10b2NOTWRkTzVJQ0FEV3o5c2FZRzVDcEJLUHk4VHhwNlE9PQ== | Z0FBQUFBQm5teE5Rck1XLUlFejdTQjl6QklUTVBfMHhRSXVicWJOZER2NTJJSTA1Q3lPczNSWnZ1ZGdIbXIzdmxkY3Y4aUVqS1Z0ZmRMdmJDalNmZ3JOVGROdUZKeGVGMVdDTXNWQmVPSEhGbmRYbmJMV2FtZVF5ZlZ4MElhNnFSQmVUS0QyZWlaenFjOTZ4YkNRT1VKTnc2blpBeHpCSFR0M2FwTm82OGtFd2p6V3ZCUDZFTjgxcHhndUhOOE9qU3psajBKaXhFOEw4aTdLakRXWTBnT3lBVlNOQUlwdnE5SDAtUXFJc3RVVUNFUFYyOGFTVTlSWT0= |
Has the new contract happened yet? Is there a new name? | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-03 | Z0FBQUFBQm5teE5QdW9KdEVxVWtsTkhtejA3ZzFpWU9OSklIeVVyb0lrZkgxNzdlREo2UHYxc3hKaEw3Z2ZVcEJpZWNseW9ETnNoZ0wwemZGd0VOTHRWcjVmTTNxY3ZhMkt2bHFIY0ZoNmg4Y1JJU2VwcmJfN1U9 | Z0FBQUFBQm5teE5Rb0xzZDNRTkRYSzZMSGVXVEY0T3VjRVFDdWhxWUFhU0wwQmlSX1VscEZGQmFZOTZLajJ0eS0ySndITEFRaWl6bWowQXBuMEZmVE1abmxIWGJOTFdtMGFaTVVyMzJjY2cxaFhpWnB0UmlvNEhxMmdFTFZ3MUtpLXpQLTh4NExWR1VDYkhtTEp1QTJwWWZ3dE4xRnJmOVhma3VWdHdPd0dRblZkM2h0WUVvWlVaWHZqX0dFUkV3aUE1RGhwS29kR2Fp |
CS Major finishing up my undergrad, which means time to write a bachelor's thesis. While most theses are in some form of litterature review, there certainly is some room for some project building/simulations/testing et.c.
I'm looking for topics that would be suitable for me and my interest in the quant/HFT space. Since I only possess an undergrad level of probability and statistics I feel like any advanced ML/stats theses would be a bit out of reach for me. Perhaps something more on the HFT side of things?
I am open for any suggestion or ideas.
For context, here is a list of some courses I have taken:
MATH:
\- Calculus (multivariate and vector)
\- First course in prob & stats
\- Statistical inference
\- Numerical analysis
\- Linear algebra (2 courses)
\- Discrete math
CS:
\- DSA
\- OS
\- Networking
\- C & C++
\- Parallell Programming (C++, CUDA)
\- Databases
Thanks! | r/algotrading | post | r/algotrading | 2025-01-03 | Z0FBQUFBQm5teE5QY1VMUDRiRlF5YTl2eXlPaURWOExmalJXcHAwcEVMb0xNUmhOMm9mQ2NfTDVtaWpGWDVhdFZZeXZNamM5NXdQQmhtN3I2Rm4za1NTanJZVUdZc0kxRXc9PQ== | Z0FBQUFBQm5teE5RYUFuYXhqLW1KS2h1aFBCeXFEcTlieDZ1QjdqZXBMTFJ2MDhnMkxpYWladEFqQXdDOW01VlRULWJIRThpd1FaV0ctRm1YXy1kQmNaVzV2QldyWGdRYnRuVXN1V0xjdzFUZEdKQk90ZU5qakpBNDlLb19uMXUwY3IyRzZDMzZVUjBQeXo4dF9mUEg1Y2l3cXU3SGpWWDI0TUdjN19pVkJ1Vi1zX2hrMXB4d3Y2MVlDRlF2b21XdXR0T0NUdXJ1cE8zZTZoNXFxZ1phQVUtWTVSRzZqU0RjQT09 |
Food is such a money pit, and I am turning over a new leaf for 2025. Only eating at home (unless I get invited out, I don't want to avoid a special occasion). So far, I have been going strong and have enjoyed cooking and making different coffees and teas with what I have in the house.
I cooked almost all of my food during the pandemic, so its also felt therapeutic and more healthy to eat at home for 99% of my meals again. I did a necessities restock last week, and will try to eat through all the non-perishables in my pantry I've neglected (lentils, pasta, chickpeas, etc) like someone on here is doing. So far so good, I've gotten creative and made some yummy meals.
So far a game changer has been -- avoid cooking food I am just meh about! I made some simple chicken and veggie Pad See Ew, and we cleared out the leftovers of it over lunch the next couple of days because it was something we enjoyed. If it was something we were meh about, some of it probably would have gone to waste. I will try not to burn myself out by eating some junk here and there (like chicken strips, tater tots, hashbrowns) and by not cooking 100% from scratch when I am tired or have a substitute. I am living on a budget, so I am hoping this helps and that I can report back positively in a few months! Sorry for any errors, English is my first language but I'm tired. | r/frugal | post | r/Frugal | 2025-01-03 | Z0FBQUFBQm5teE5QdUVCVUR4OXBIZExEWmxDTlRkYjFWcHBELWdMdTROYjcyTkd0eC1TN25GNVdTaFMzd0YyQzY1NlNlanltZE1RMHMyZHExSHZqdGRaRTBXMHlYeFJPdmc9PQ== | Z0FBQUFBQm5teE5RSEszNlhKOTlHcy1ld1JJcHBHRzN4X3NhYjJyTUFpdFUtd2d5SVo0REZ6WGk1aTNxWklZODNqaVFpR1VkMG4zYlM2a1BSa050QjZ5ejhoMTlxeG90dUtxdFd5QktfYXpTTDVtdWQycm1hd2dWVXpwbWJScFgxaWViN1NJdzJndFdBYWY2VXhGeGY4a241bUV0Z3FnSE5YZFdrYjFOYmdhdDZHdDNiWlVNRE5hUmRZMnptU0VmRnFoaEtYbTdlc2tF |
Click it: https://www.finra.org/rules-guidance/rulebooks/finra-rules/6897-0
[View Poll](https://www.reddit.com/poll/1hsvtlb) | r/robinhood | post | r/RobinHood | 2025-01-03 | Z0FBQUFBQm5teE5QLWtieEpucXJoanJBY005U0RJNW1DRlBDMXpKbm5mT2hIWTZGblVsWnpxdmxFN1lERFR4VWZUMGdtbTVYaTAteWZ3b2NVV1lKdEMxbzdtNnpSM3czUnc9PQ== | Z0FBQUFBQm5teE5RZmxaYkFyQVJ1U254QWJBV2JPTzZrOENtYkE5OVgzdlRMMzU1RmMxVlEzOWd5S2lLd3JrZFpJYWpfYm1lS1FLU2NUZG1kUFltUVJROFowTXZZVVdkMjlYTEFPU3pxRExEZHQycUhrUkdNYTctVmNmNERPWkJhVV9POEJKUWdBSHdDY09BQXJtRWY0X3JkYi13VWdHU1pRPT0= |
Stupid question but I’m not sure about this one. I bought an out of the money ACHR 07/18/25 $10 call awhile ago, now it’s in the money, and I’m not sure whether to sell or keep holding?
Correct me if I’m wrong but
the value of the option is currently intrinsic difference between strike and actual price of the underlying PLUS theta? Such that if the underlying price stays the exact same for the rest of the duration, it’s better to sell now to capture the value of the theta?
But if the underlying keeps increasing (and it increases the value more than the outstanding theta value) it’s better to hold right? | r/options | post | r/options | 2025-01-03 | Z0FBQUFBQm5teE5QTlo3azBadFdWeVNsZllLdjVSSVN4X2d2ZDBheU1HLTZ1Y3NaeDM0TVhGTkdGSXh4Rk0tb2ExUkxfQS1LUk95Mjk0Z3dxcTdfWkZ4eXU4NVpZaFB3S0E9PQ== | Z0FBQUFBQm5teE5RdUFXNWgzTk5XMGd6X1F6Z09OdjJfZ2Z4VVpTNXJvUExXVU9MQVI2T2lhWnNSX1I0UjlfeXpmZnQ4YlNGY0wzdUxtOGh0alc3TXJPYkdvNlNPWFY2YmQxaUpybGVQQ3cxeEhaOXk4cFd3QWdRbk56UWFwQVdRUWRMUGZnMVcxSE9BOFYzNE9jQjVrTUlwckVSUlp2RnF4dEtOVkltUDRVVmEyVzNmdGwzdGlqWWhOaVdOR0pQNUdVa1FWajNKQnJjSU5nUmZRazk1ZWhMVm1DS1FBMzZUZz09 |
Came from the XRP Community and after further research, I finally decided that XRP & XLM will both be my 10 year long term investments.
Who else is new to XLM? Who has been here for sometime? | r/stellar | post | r/Stellar | 2025-01-03 | Z0FBQUFBQm5teE5QSDFyeW4tVnBrU1dSbjR5QXFXbmQwMmRNbkdKQVhQc0xGQm5yZV9iS3ZVb2doeHRFOWpoX2lsZXVNY0JUNE1yM2VTYlc0Y05SUXVWYmNtX1hMSl9YR3gtbGozWG1ZeVgycFREU05pYTlBVGs9 | Z0FBQUFBQm5teE5RSXdBTjZjdlNWbHJXUWhUeDRJdXJ4MmZiVkJZQUIyNTZHYmZNMS1pbk0xOXh4WHcxU01KdXFZOWxoNVVTRl85aDdudnF4S1RNSEJLOXBsRDBneFhHWHpIMWdjMFU1V2o3RzhqMmdYS1RYdlc0LTdjTDExS3VaU0pqcDFpWE5mdHRHbmhHYlF4SDhvUEpKTXpoWG1UUzBFbWhKcWF5NW9XbDFSVnJmc2s4amVaSWJicjhHM1MwcW5QR1dobUlWWHVQ |
I've got about $25k in a emergency fund right now. It was sitting in the glorious Wealthsimple Cash account making 4.5% interest. However, as most of you are probably aware, banks rates changed and that nice 4.5% is now down to 2.25%. Would investing that $25k into the CASH.TO ETF through a TFSA make sense? The only downside I see is that it would take a few days to sell and get the money back into the cash account so it can be used. This really isn't a big of a deal for me personally, even if there was an emergency.
Is there any other downsides or reasons that I'm missing as to why this wouldn't be a good idea? | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-03 | Z0FBQUFBQm5teE5QWDVTMkJrbWF1RnM1WU03U2tubTc1UTg2aVFfeExMQ3pjR2J5VmFmVG1SSXJOeDVFX1FKaHZnTkZOcVZTY29LeW9rSndHdmJPVUJkM1NlWWhfd1kzX1BaNGlPaU5uNjRFMlRBSjNMS3hnQ3M9 | Z0FBQUFBQm5teE5RUFQ1ZjN1dUNuUDlQaXI0cExGVHg3TlR4a01BZjNzWUFveUVUNzBtX1JfNy1DNFBnTEYyN292S3Q2LTZBRU50ZW5rNC02VDg1Mi15RHpXby1wVmVSU1IycFUtdWZSUDNDbFdxcGRqQzdWYzJPbjZtZDN0NjBiYmR5TVAzckhtNmQxZWtfTllDZTdJSEVSeXZIb3VlQUY2MmpYTnZOQjVOeWpSM2ZQVGtpZjhPRnlEaFh0czV3RVgzei02dFY0T2Ny |
I'm behind in retirement, what would you do if you were me? I make $140k a year.
| r/fire | post | r/Fire | 2025-01-03 | Z0FBQUFBQm5teE5QVmc0NmI5VDIyNTJ6R0NockdIWWp1WWpFZTBLRkZldll1cnFxSnRwZXdxbnByS2tGY3RObkFRdlEwSVY5eW40RHB4T3M1WUpfRTFaRm4zNzJEeXk0S1h5ckhQUGtkYmxneEQ3VFdhRmpQcGc9 | Z0FBQUFBQm5teE5RVE1OemF3RjdrOURicDlLQllLUjc1dUx5elpPZWx4OXY5SmxHTWhZaGttU0Z6elM0amxvd241Vm9jbnVma2w5eEJsXzhLM0NkclZkNmhSQk1ic180bkh0anp0QnQtcFhGWkFSY3cwLTMxYlJkc0R4aHdMaUdNcVVEUzlHWnZkWko2LU5yMENvYXEwT0hjWWxySUN3LV9feUVfVGE5VVdVRFVWWHNnQUdfVXB4Q1J6a0VQbExwMHZCYUV2WVFuc01kZThsd01FYmJOMDVWbjVaaHh1OEJKQT09 |
Hey a, I created a 3D visualization tool that overlays the profit/loss chart for options in context with the actual price chart of the underlying.
This was pretty useful for me b/c it gives me an intuition about how the profit loss changes as the price navigates the mountains & valleys vs just 2D views. (e.g. when volatility spikes it's like an earthquake that spreads the mountains)
https://reddit.com/link/1hsxme1/video/oc78g0gfluae1/player
https://reddit.com/link/1hsxme1/video/xr7a40upluae1/player
Can play around with it here: [https://theory-a.com/optionStrategiesVisualized](https://theory-a.com/optionStrategiesVisualized) | r/options | post | r/options | 2025-01-03 | Z0FBQUFBQm5teE5QSWh0TXZLQ0dWWDJnWklpYlVOeVNRZVp5MDRjVDItaXBFZV9fa0c3R2NOcUE0eDl2cTVaM0lfTXBmeWxxcE5uOFBrdlBRczRyZ196ckluMVZvREx3ZU1TVnAtRUxCejZIQzFZZGtQTHp3MEU9 | Z0FBQUFBQm5teE5RaWFSWklCak84RkJLMFlKWFg0dllGS0tRdldHZDMwSGdYM2YwOXJ4bmVQTFRxMldNR1c3ekRxWnFBOHNlNkRxeEY1TVZKeWFib2hOajNOdk9helJ0RDQxT0lXZ3k3eDRvRlBUN0Z4dWpKR3NVZVFyQ2tQTERyem8xMERQd0VjMWU1YWpvbUsyaHZfVXFzbTZObndBdmNUanBpT3VUOWZ1VXpqUXpNdXVJelBiVm45MkhzMXktQUVCVXI3ckRsQ3BI |
We just sold our house, and I put all of the profit into LTC. Was this a good idea? | r/litecoin | post | r/litecoin | 2025-01-03 | Z0FBQUFBQm5teE5QaEJMeEhuOWUteXAyRWRZd01zZzg5bk95dnIwVFpQWkhZS01jQ1B6SFB1MlhPX2hNaER2MFNLdFdqY2p1M1gtWnRQeU9QTGhkUHdKM3gyVFdDWUdxNzllQXdSZU1RNFNIYWtuYkRhNFBaeXM9 | Z0FBQUFBQm5teE5RMDMtUm9sOEpOS3hmSzZKaUtWY0VBNm80N005NFJweGx4Mk16d3BtMmZmb0JUTWplQkk0anV4emdNOTBfTWZNQlQ1VEphTUZwSHZJZjlCQmNoU0ZVZ3ljaFJVcmlXWWZ1eTM1aFZyYmdMcmxla2NlU2REQlBaSHVaOWtEVzNya19zaFB2QzN0Y24xR29HVllUNXNVTVdnRVB2c1o2RlJKRW5VakVKRmVaVzI4PQ== |
I've finally reached all the cards I want in my arsenal. It's hard to show other people outside of this community. They just wouldn't understand lol. Here they are!! Just curious what you all think. In order of approval:
***Personal***
1. Chase Freedom Flex
2. Capital One Savor
3. Fidelity Rewards
4. Citi Custom Cash
5. Discover IT
6. Amex BCE
7. Amex Gold
8. Citi Costco
9. Apple Card
10. US Bank Altitude Reserve
11. Chase Sapphire Preferred
12. US Bank Smartly
***Business***
13. Amex BBC
14. Amex BBP
15. Amex Amazon | r/creditcards | post | r/CreditCards | 2025-01-03 | Z0FBQUFBQm5teE5QN3ZkY0JkUTZVSnIxemRYMU92SWFFRGlQVHd1RXhCMnkxNmRtVmxKZHFpVWQ0T0ZxcDhFbVExZTFOYXF5ekdPUk1oOW5sOUFPa2Z1ZElBb1pnUG5HZnc9PQ== | Z0FBQUFBQm5teE5RTHF2MHNYOTI4TmZ4d3lyamdLQWs5UjdDNTdycFBCNHp3T3NoSl9rRXR0Y2d6bzdpOEFBQWV5T3dabDd1OXVVQ3YtNUhBNkx1eDEzajNNWWs2VExVOUtTdk1VUXVWVmdiQUM4bE83LVZTWGpyTzdWQ3JuTkphaG51ZmpQMm5sZzhyak1feTlUZjNvQnZlTHBMclJZVjVNVHZNblI2M3BYMnpySzZYM0Q1aUQ0MjRVaHp6N2dxby0tN3ZCQVJWaGhf |
I'm exploring the idea of pairs trading in two contexts:
1. **Holding companies and their subsidiaries**: Theoretically, these entities should have a close relationship in performance and valuation. However, I wonder if there are practical challenges in identifying mispricings given their potential interdependence. Does anyone have experience or insights into modeling these pairs? Are there nuances or pitfalls I should watch out for?
2. **Holding companies with each other**: This feels like a more complex version of the first case since it requires understanding relationships between different holding companies. Would modeling such relationships still be feasible for statistical arbitrage, or does it veer into overly complex territory?
Additionally, I’m curious about the community's thoughts on executing statistical arbitrage strategies in **futures contracts**. It seems like a natural extension given their liquidity and standardization, but are there unique challenges (e.g., transaction costs, roll yields) that I should account for? | r/algotrading | post | r/algotrading | 2025-01-03 | Z0FBQUFBQm5teE5QWmhTcEsyTXE4c2FnN0xRb3E0ZUg4VUVuVVNRb0lia09CbUo2MkJsWVRBdTA0aTBoVHBnSnkxdlVFRkJsUFpqSXlCUldfRm1HTzl3OG11UWd5eHlNSFE9PQ== | Z0FBQUFBQm5teE5RanlCb0dTVnQ5aXpxWnVzZ2NhRW5jVUp0VUZuYk40WkJYMkJhbEIzZVlZelJyZ0I1SVo1cmZoZXZsZ2ljS1JWaklUVk1hc3picUt6NE93UVY1T1ljNHRualNkX1dVbEFqOGVlRkhWd2h1UFZER09kckVHS0VLRGs5TFYwM2tIemxUeTVoMldvRTFPeHBjSTByQVNKVHhXSkltUGtyUlFyenBGWXBydE5RRUlaVWc0cUJxUk42bGV6MEtfX1RERktoUHBHQTRjMkpGWWpwZWttU0lyWjZ4QT09 |
Value investor erotica... I'm here for it.
I really like this exercise. I have similar views, personally, but I wouldn't discount the alternative universe where:
"CAPE ratios have done it again. Now, at a value of 48, we've yet again seen a 3% annualized tailwind lifting markets. While equity returns haven't been as strong as the previous decade, they've easily kept pace with their historic ~10% average."
"Bond yields have fallen back into the 2.5% range as a result of inflation being tamed. The past 10 years of bond returns have been quite formidable, but still nowhere near equities. Equity risk premiums don't seem so frothy at these levels either. Turns out, lag effects aren't real, and equity holders just had to wait out high interest rates."
"Private markets, both private equity and private credit, have gone on an absolute tear over the past decade, scorching public market returns as relaxed regulatory rules allowed retail investors to pile in. Surely, this trend *can't* continue."
This isn't my base case, of course, but I'm not leaving U.S. equity markets entirely at these levels because the past tells us that ridiculous situations often get even more ridiculous. We might already be at that level, but I think I want to see Uber drivers talking stocks again before I do anything too crazy with my asset allocation. Now that I think about it, I did overhear someone in an airport lounge explaining chart candles and his trading strategy to their friend over Christmas break. | r/securityanalysis | comment | r/SecurityAnalysis | 2025-01-03 | Z0FBQUFBQm5teE5QaFpPZTRHdXJ4bU1OQlFZQVFZTmhGN0xqM1djWjNBbzFBb2ZXWTFMOExacjVhSXBLTlhna2NLQlZNZ2M1T0lVVXVzSGxNZTRkU1l0TV9MQWsyV3gyVVE9PQ== | Z0FBQUFBQm5teE5ROEduMkhiVzRhSUN2SzYwcWNDV3JQYTNyRjRxamtjNm95MVdkUkhabXc0TDRFbi15VWhrT3VsVUdqN3hMT3BXMzlIS2o0MjlQc19BRXQxOVFJdUZkdVI3MDM5alY3WkJRNjV3TzBlYUlKaFA4V2pPaFVZT24xbTE5MGVGYlk0djdwREJvWnlydWtHeTk4bUhLcGZ3eTNkWEFoNTh1S09SWlpDXzIwQloxVUNxUzJsTWExVDAyUTI2UGNBdV9zS1prTG1tT3JiTGlPRjJaMHp2WXFGSHhZMEFuZlNDLVBLUjR2ZkMxeTEyZWRPMD0= |
$microGPT is outperforming my whole portfolio and no one in memestonks is even aware of it.
I found the coding tool at work, and the company that makes it and supports it runs it on the ethereum chain and you can buy tokens, and stake them.
It's about a month and a half old for public purchase and already busting up against 30 million market cap, and looking to rip as people discover the tool and try it out like I did. | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-03 | Z0FBQUFBQm5teE5QX1NhQkt3cy1kUXdrWVVTZ1hZMkowWEV5b0FLSTlZR1FDM1FZUG9LbFh2aUgwakV0MDVJWU9tMEdXeGdKY3paRTR5Yi1fT0JqZHUzSWFaMmdKd3laMGc9PQ== | Z0FBQUFBQm5teE5RWXZ6QkVFdEg5dGMyOTJ3ckw3UV92c0R4WWhRZk5oTkJ5VlJuMWtKUlgwanJReHBZbFk5VkthYi00XzlIeDNzTWV6OE5QZlhaUFR3YmtaLTgxQWdWOEt1Um9Idk4weUxzOUVuME9rbmJXT2l6RlhJUTZONzdHSkRTdzcxa0dkVmtTOWl1OHBHbXJTekFNazNFdzdfeTdOWkR0OU90YklQWE9ZMUFGQnQybzMyQmRFZ2gwZG9IcEJOWWdZNmtWT2UyQkdnaWc5eDd5eWpleVBSOG5YY3JzZjdNRWdaZkEzTUtRaWNEQkNvSnJlaz0= |
Heck yea!!!
https://globexcamhost.com/en/buy-web-hosting-in-taiwan-china-with-bitcoin-cash
| r/bitcoincash | post | r/Bitcoincash | 2025-01-03 | Z0FBQUFBQm5teE5QdF9MZ084bnN0cXRBX0NvajI4bE1EajJlT2JFajFNSEtJdVRNb0hrN01LWDB6YWRBS3UyUzM4Y3BNVHExS3U2SFI2MktYTWU0MnM1cFJYT2htLU1OUFE9PQ== | Z0FBQUFBQm5teE5RLVA4dlV4R2t0dmliNXR2VVNPei0wbnExVEtwdVNMeS00U1pJNHRyY2NNOUNXTDNRc1JQdGhSX2syLTRRVjBqdG01MF9FREJncVBKcmhDS0JsWWpXOGdkYXp4dTVfSmhDclNSQ2FGRm1hdVM5b0d3Z0FldTZLOVZGMzF4MC1zUWRxSTZGTVRWUWZjUFBvUXg1RlFtYVZtQUdUUl9sOWc5MjlGZWhDQ0ZhbkFUN0tncTB2eDRId3VYLTFZRGdWNktf |
Yo Sollies, I'm new to Solana. What's the best wallet in your opinion?
I have Trust Wallet which has access to the chain too, but there's probably better ones...
Shill me your fave wallet | r/solana | post | r/solana | 2025-01-03 | Z0FBQUFBQm5teE5QMUI4SGs3WTVBR2Q5cVBJenVvWE1QSjhkX2gxakdraDZkNnFBV193Q05kZW1DRFNJWHNxY0R5ajF1cHhfWVYwaUpBVV83bHBCN3lxTS1hZjNiS0h5YWc9PQ== | Z0FBQUFBQm5teE5RLUoyQjdkWVVsWmJ3UFV4Q0tJMTY2dk1ONzNGNjVna19CT1YzalBkbkU2aWdFbEwtcEMwMWRTRzdERXJvM2lmNlA3Z0dIVFB2NGgyUG1LX0EzQkdadjg4YUJwSzhUVVItOGNuUjVLRE9hMGE1SE1jZ3VYbjBVZS1iVmpSS1NsaVFFREhjdHhqX1ptV05GaENxc280bkVMc3JMaDgyTnVsejd0MHhJdWMtbGdBPQ== |
Hey folks – after 3 years and a dozen cards in this hobby, I feel like I’ve hit the endgame. The highlights are the **Smartly 4% catch-all**, six **5% cards**, and **BoA Elite & Sapphire Preferred** for some Priority Pass & transfer benefits. Here’s the breakdown:
# **Taxes**
With significant tax spend (around $20k+ in property tax with ~2.3% fee and $50k+ in federal taxes with ~1.8% fee), here’s how I handle it:
- **US Bank Cash+ (5% using the utilities trick)** covers $8k/year for federal tax
- **3 Chase Freedoms (5% in the PayPal quarter)** covers $4.5k/year
- **US Bank Smartly (4% catch-all)** for the rest
After fees, that nets **~$1,600/year** in rewards.
# **Actual spend**
- **5.25%: BoA Customized Cash** (usually set to online shopping)
- **5%: Citi Custom Cash** (usually set to restaurants)
- **5%: 1 OG Chase Freedom + 2 Freedom Flexes** (rotating categories, with groceries, restaurants, Costco as my favorites)
- **4.375%: BoA Elite** (travel & dining)
- **4%: Amex Gold** (groceries & restaurants, when not using the above)
- **4%: US Bank Smartly** (catch-all)
Sometimes the 5% cards get set/rotated to home improvement, furniture, or Costco. For **$60k in spend**, let's say this comes to **~$2,500 in rewards**.
# **Travel & other benefits**
- **BoA Elite** is awesome. Priority Pass shared with 4 family members, along with primary rental insurance and purchase protection. Well worth the $100 effective AF.
- **Chase Sapphire** for transfers to United & Southwest from the Freedom rewards
# **Next Steps**
- Currently at 10/24, waiting until early 2026 to get under 5/24. From there, I’ll churn through 2 bigger SUBs a year. Let's call that about **$1,400 in value**
- **Edit:** Won't get completely into it, but I have other cards sitting leftover from their SUB and a plan for a 2nd Customized Cash. But all in all, Smartly has made optimizing spending quite easy. Just get the 4% catch-all and stack 5% cards to whatever complexity you can tolerate.
Rewards from spending add up to **$4,100**. Then some churning on top for **$1,400**. Not sure where to go from here. Is it time to move on to a new hobby? | r/creditcards | post | r/CreditCards | 2025-01-03 | Z0FBQUFBQm5teE5QUE5DdmM0azFuRDZsWWYyUURxUm9WaWp4bVZJUmc5UEZSc2x4VmNpMmM5RURTUzAzZ0ktZGJiLWtLQWZxWGtGQ1VpUWxaMTA2b0RTTGw4cGZmYnRWVmRsVVdMNzlYdnQxRXQ0UnhXcExNLVE9 | Z0FBQUFBQm5teE5RbUswQ1V3SndzMFRNOENvcW41MDE3VXV0U3VXblVvMEVJaXpTMXo2SUQzb0d2UnpLQzZvWGp6b0tudVlxVkh2bEQyX3RwVXVSY2NwVXdLWUdZQzNqREFVaUg1UWNqRzA2WW1pdy1iY3FQeUE0OXJCaWNpalBzeFIyZUZQZEEtSDhrZzZEX2w5cHFvblN3dFJJY3NJemZnNFBpS25LUzM3TWhmQkxyb25nZWNIajg1TV9SbTBQUGlweXBweWhlaWNRa3FKbjAtNV9kdVdxQkZ3Y2JQZXdqdz09 |
A while back I saw a post on here with the picture above. My original plan was the play a bounce in late December and into mid Jan then sell right before the unlock with the intention of buying back a massive lot at the end of April as I see the price peaking hard in late 2025. Will this unlock actually cause the price to go down because if it will only suppress the price then this unlock could allow for a sick spot to add a lot more SOL to the balance
Want some people 2 cents on this unlock and how it will affect the price. | r/solana | post | r/solana | 2025-01-04 | Z0FBQUFBQm5teE5QR29TVUFxaUxRX21hcGExbWJkSVlJMHVVUjJkT3Zham5oQWVZS21CaGV1N2xRTEJad1RteEZlTkk3TUJNQld6bnNjdlRyblFleUl5WWdhWXo4NnZnSkE9PQ== | Z0FBQUFBQm5teE5RM3BHdzFleHVUcGowNVlxVFM5Zk03S3VhaDBHNVdlN09hYzdGU1VIZ1EwaFNKUE90OElfREVjLTVKOUpWT3dzUjY4TVhVX3BTUGN6TElreDBhbEdiN0JFZ1g0Y2ozTXY4amgwQzVQdkMzMXR3dlRGSXlGSE00MGFMYURTVnNZdXFaWlJpcVJUWjVmX0JvOVNoUHVpYlZ5MDJ4ektBaXpMSFgyQjhvLXJoRUFrc1VSVE5xTzYwMDBTb1EtYWhoOEZ4 |
https://x.com/taostats/status/1874135043792396705?s=46 | r/bittensor_ | post | r/bittensor_ | 2025-01-04 | Z0FBQUFBQm5teE5QekM4U2N2MUhxeXpiejNpb1F6YW1lSUZod2laZDVZVGNlLVBZRkVKcmlSMXhTT3N1SU5ZWHdIc3dpdjZNWDFGVEFITDdRek5vMzVlX2dkYzBuV1E1a0E9PQ== | Z0FBQUFBQm5teE5RRXN3RUxWUXc5ZEVHSFVwbVFMZ2VvX2l4alMtbDRxT0JtdzQ1aGRlNlJyNnpqb2lkNGlCcGtEYVRpVFdUNlkwS0c2azJzRjZqbGdUSlIxYndVUkU2VzlBRkM3dnl4aU5FYUtJbFRaZjBtWVVOTGxNZXhKVWdNTnFiOHBCVDhXeHFqdEk4Q3ZEQ3pEcGpPQ1d4Z2lLcDktQ0VLbkVyazV3Qk9pVlEwcVdBYVp6SkNhQ2kxX2dzelVGd215ZnNnTEpLTi15MjliaHhIR0N6a0JWWUZZdjBSUT09 |
Hello all
My tax accountant told me that by adding to RRSP, you lower your income which will give you a tax return. Which is obvious.
However here is a hack. If let's say year 1 you put in 1000 in RRSP, marginally you'll get about 25% back in tax return.
If next year you put in $1000+250 return you got, you'd recieved 25% back of that.
Compounded over 20 years, wouldn't this be a great investment plan? | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-04 | Z0FBQUFBQm5teE5QalNIWWJ0U2p6MDBmX2ExY2RrOXMtQ1g2aFZWUmY1UnZiaDQzc0JfcFBkNkFSTU9wYV9LM2ViZGZ0Vkp0RTJkemhza1NzVzYxUkg3QmNLX0JXaUJ4REE9PQ== | Z0FBQUFBQm5teE5RYjg3U2hJT0Z3Z0FuOHVfeTRzMG1pYm51WUxTUXpOLWRaekZEbUhFSE4zeFRSUVBYQm0taXRQZEgteXQ3LTJvOV8tNGtYRFRaaVdFc1NYQkYyTEl5WHVTeXRVZ1VocXZWYXhiRmdhZkx5QU1fam96RWhQNUo2Uk1oU1llU0M0OUxLemJ4MkhnUUhwSFBLc2U0aVRGbDdkdmRnMjhGcndmU2ljWXg2Q255c2h5djFIcm1MSVNHVE53Rjk2b0xWakFfbWw5Tk1zUDRGQTh5WWxhbzhsTXVDYUFTRk5IRGVDU2Z2UVJvZjlxSUxQUT0= |
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