text
stringlengths 1
40.1k
| label
stringclasses 838
values | dataType
stringclasses 2
values | communityName
stringclasses 838
values | datetime
stringlengths 10
10
| username_encoded
stringlengths 136
160
| url_encoded
stringlengths 220
528
|
|---|---|---|---|---|---|---|
I’m looking to hire someone from a site such as Upwork, Guru, Fiverr, etc. to perform the following task: I want to be able to provide a basket of 100 stocks. I need the software to calculate and rank the stocks by their percentage return from any particular time of the day that I specify as compared to the close of trading the prior day. For example, what was each stock’s percentage change from the close of trading on January 7, 2024 until 1:00 pm on January 8, 2024? The basket of stocks, the dates and the time of day I’m inquiring about should all be easy for a non-programmer such as myself to be able to input. What type of software professional should I be aiming to hire, someone proficient in Google Sheets, Python, etc.? I have zero programming experience so I’m not sure where to even turn for a project like this. Any input would be greatly appreciated. Thank you in advance for your help!
THANK YOU FOR ALL OF THE COMMENTS & SUGGESTIONS THUS FAR. **TO CLARIFY: I'M ONLY INTERESTED IN OBTAINING DATA ON A PAST, HISTORICAL BASIS, NOT ON AN UNGOING, LIVE BASIS**. | r/algotrading | post | r/algotrading | 2025-01-08 | Z0FBQUFBQm5teE5QQk9YdGdBc3Q0bnA2UHdoUDMtZDlKcnhob2ZWLXotbWpDQi13R2VSZE5VM3BXemp0dTFWWm1xNGxDTWNTcFJKOFBJQ3NieDJQaEVVamZyUlNRNDVSTFE9PQ== | Z0FBQUFBQm5teE5RQmtzNlNpZThRMHVZTDV1LUI4dl9GVUJHbVRnMDFXdHFRQXB2VXJtWUZ6Vk04NzRFQ0dDdklxYlJVRi1fR2FkS2lUckp3alduTVhzQjVoRFNyeTNVMWlkdk9aNkJybGlGZ25sX3VaTmRWVk93ME1TYW9SaG5LOTU2bTRtZnZYd05wbFBsSnlRWnllUmNiUVJ2MlpRV3NOcGJCal9GaklVZmt5ODZLd1RNdk8wQk5MbFE0ZjhuTFlxelRPTHJQMVRLR0VBNmFTdGRmNTNIcE5DYy12RVhMUT09 |
I've been hearing a lot of people complaining that it was supposed to be a “peer-to-peer cash system".
Big corporations/(Goverments?) are buying up huge amounts of Bitcoin, treating it like digital gold or store or value. So even if this bidding war could be good for the price, shouldn't we be worried about Bitcoin really having a day to day use?
It makes me wonder if this was always the plan. Like, was the whole “cash system” thing just a stepping stone to turn Bitcoin into what it is now? A lot of people seem okay with the store of value idea, but I can’t help feeling a bit skeptical. Also what do you think about the corporations or governments controlling the system itself? I've been reading these theories about how the block size was manipulated by the government.
Anyway, I’m curious what others think. Is Bitcoin still for the people, or has it been overtaken? | r/btc | post | r/btc | 2025-01-08 | Z0FBQUFBQm5teE5QMkZ5NDYwS1RZbnd0OGVjZUgxOENGTjJhenVWSjVSb1NSdmkwQUlKcnFPOTJKRUd3clMzZUcyMU1nclhtWTFsOTBneHlaeWRzdDN6SWt1ZFNfYlpJOVE9PQ== | Z0FBQUFBQm5teE5RZkNsQWlESERZWWtZU1ZRUkRfVzltZ1EyVDR3Rjdjd2RLMGJSb0wya3BqQkxDRVNhMUNFU3preU40VHBvQnJOZHBONk9aeGRTSXJaQTJzcm9iZUdCQllEVElOSGo3WnpjWjJHc2pzcTlwU0ZOM2JmZ1hfdExjOWt2cWg2Y0dHYVJ1WnBFQXA4NHRlTGU1bzJCWEdndkhoc2ZBNmNLcDBhRy1idEloakhoMjBiTGlNajItaXlXd1FaZjZjOHJFNHha |
Here as promised the top mention lost- day 3 AH.
Link:
https://chartexchange.com/trends/reddit/mentions/pennystocks+PennyStocksDD+RobinHoodPennyStocks+Shortsqueeze+SPACs+Spacstocks+SqueezePlays+WebullPennyStocks/
So much red :/ but what are everyone's plays? 😄
If i should change anything on the next one please let me know in the comments.
If you anyway find this useful please upvote! | r/pennystocks | post | r/pennystocks | 2025-01-08 | Z0FBQUFBQm5teE5QZ2FlOHJ5NlNMMFU2b1E3SmVGOWlZdlZoN2tKbGdjSTNUS2RrZ09OX2VWWUlkRmRxTF9YMi1iYkUwQW56REpYUF9LQ0liYmNwOExvWmhPaGpUeVZ0TG9pTVVCVS1CYWQtc2htSno5ZWtyYlE9 | Z0FBQUFBQm5teE5RSzdrM1NBVDNpemtVdWxtdDZUbVl2ZDhyNXZTaWp1Nk9WOGZYbXZieHIxNG5LRjhtR3ZLUWlyb3FmT1dUa2dIeDRKM18xX0Y3dFR6eUxBLW9GbFhONVdCel93bndlb0Fxb1FnWmZQUG8xTjF2d1pLQlMyN1p0NW00VGxWa2JuaUtZUjhfTjlrSkszMkl6RnlINHVnOHdlR1NRR0ZKeE4tcXRHWlQyNnlkVTBrRnRBeDduTnlMcl83QW1GQXZRR2VVUlZZSlBKandCcWhUUXNzU2dSU19yQT09 |
> President Joe Biden’s administration plans one additional round of restrictions on the export of artificial intelligence chips from the likes of Nvidia Corp. just days before leaving office, a final push in his effort to keep advanced technologies out of the hands of China and Russia.
> The US wants to curb the sale of AI chips used in data centers on both a country and company basis, with the goal of concentrating AI development in friendly nations and getting businesses around the world to align with American standards, according to people familiar with the matter.
> The result would be an expansion of semiconductor caps to most of the world — an attempt to control the spread of AI technology at a time of soaring demand. The regulations, which could be issued as soon as Friday, would create three tiers of chip trade restrictions, said the people, who asked not to be identified because the discussions are private.
| r/wallstreetbets | post | r/wallstreetbets | 2025-01-08 | Z0FBQUFBQm5teE5QS0pPcFJoNUVCcXMtNFNLZ2xBUEFPbTBvSy1LcG5ZYUgwNEc2X05ZZms1WFJFMi1ZUnotdjc2b256Nlc1a3VOS2lMT0JwdDd1bm90MzE4a1pVeE1tN3c9PQ== | Z0FBQUFBQm5teE5RMF9ianQtUUxYN2k0RmVNU3ROeTd2Snh5YTB1Y195SkVRQ2hydVc4WjBOcFQ4TVBSZlZ2am40RTNQWXFhVGR4UHE3M3Vac2JPWVZseGRUU0ZSR0pNYmRmSmNDQzJMcWxQT1pIQWNvajJNblV5R3l6TmtQNHVxWHNiT2hWbmQyRFlMM3hhaEdHTE9NVTZEbEZXU3loeTNmUHp4UVJlRHFnMEJVaTlGY3BiWTRfZ3FzREIwakFkNTlJMHhNMlNHM3ZvY3lQQXplZGFVaUFlclZpaHRVTG9MUT09 |
The new setup is terrible. Can't see entire portfolio without scrolling back and forth | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-08 | Z0FBQUFBQm5teE5QQ0JuLTVGRks5V2lYS3JtWHN2eWNwVjlsZW15SWl5cnRVbkhhTVBRWUx3UGx5SjJMX1FUV1RRakZFNFVlTHdXLUZYWDlZWW1pcXl0d0NZdHFyQm1yWXc9PQ== | Z0FBQUFBQm5teE5RSHlrM1NBdFdFbTBGN0hWVmtYTHhGdW5uZnBwbDdodnc4bXBHOUFwaGpwcnJPNk9NeHpUa2hteW1iSW9qa3hWS1RPRVFhb3BJNFBNUmE2eVBlQkJJY3h5SWVaU1JGQXdmOGlKQlpRZ2lYLWpHSkVLY0Y4U3Q1TWV1WF83OEFkWXdwYVRTZjIzMnhOdERqQkxheG9FbXcyYTFrMm5iWHZwSFREZEduM2t4SXgwPQ== |
I am currently scrambling to get into bitcoin as it sits below 100,000k. I have never bought before, and intend to hold for a long period of time. I am curious which place would be the best for me to purchase, given that I am going to put a decent chunk into it (less than 6 figures, but still a good enough amount that many exchanges won't allow in 1 transaction). I highly value security (I've heard that you need your 12 passkey to know it's truly yours, and need a cold wallet), and am not too worried about withdrawing fees at the moment. So ideally low barrier of entry fee wise, and the safest exchange. Any help appreciated | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-08 | Z0FBQUFBQm5teE5QZExsanJGdi0tQUYyMDl5WlFYZzQ4T1laMzdsV0pCZndFWldmREo0bUtpaXhDQmZBSTZ1TlQzVjcwSHVCbTl4Y3h1WXJuVnE3cDdidXNGbnhJQUJkRXc9PQ== | Z0FBQUFBQm5teE5RTDdvQ245T0g3LWV6ajRmSFhJZVhBVHVNWkF0cWJSbGw4WER1Rzh2MlBLSk5TdlNPVzdvcEF3dVJ2a05HRHVBSUpkckx0VnlDSmJZeVRCb1A0Nlp4aHpfUTQtTVdjb054NjhGeWozTHJXT0FjQmx5SUE1WS1ubmhNb2hpcWFCb2wzcmRXWGlEQnNFNHJ3WVZVMTdnZGRsSTNrWTdQMGJLTzVGVjJnZjlmbzlZPQ== |
I’m obsessed with looking up and down the chain and trying to find the perfect delta neutral spread that has zero theoretical loss. I combine diagonals and ratios to produce a chart like this. I need to stress though - very often they are NOT profitable.
I know Volatility changes are the reason, but it seems at times that Vega in short term options changes very abruptly for seemingly no reason at all.
Monday options have the lowest IV on the funds that trade daily. So much so I figured a micro calendar spread is a fantastic high reward low risk strat. I’ve usually been wrong.
Anybody relate to these types of strats? | r/options | post | r/options | 2025-01-08 | Z0FBQUFBQm5teE5QXzZOWVdtcWhjcmVrbE9lQjlhempwLURwUWdDQmZhMjRCSVlqWWd6emlQTV9hV2VmRUFzTEJtYUZzdGxoaDRLcHYzbERGU3YtQm1LV1hsblJLRG9DNEE9PQ== | Z0FBQUFBQm5teE5RdW9WVDNQbDdIM2xMekFnUG9VWDFUM3JIMFI4am1YdjF4aHFmdDhrcmdFX2FGQ0MtVnVUbFRVRjFsVl9aUTFrVjlvRld3bC1zQUxsNThQaHpUeWxCR0NvbVJabjNmeFYyd0N3NjNxUEVwQWF6ekNQYzJlOUZyamdLb2tEMWhaOUNuZUFnTS1SNUNvemVtV2U3MGRyQ3N5M3pQYTNJclRSNzdRNU5xQ2V0Y0xsdS1PWU1nR0k2dUJvQVptVzRYbXRK |
Hi everyone,
I’m looking to level up my financial knowledge and habits this year. I’ve been reading books and browsing through this subreddit, and I keep coming across bits of wisdom that really make me think about money differently.
It got me wondering: what’s the best financial advice *you’ve* ever received, especially as a Canadian?
It could be something practical, like how to save on taxes or invest smarter, or even a mindset shift that changed how you approach money. Bonus points if it’s something uniquely applicable to life in Canada.
For example, I recently learned how powerful it can be to start investing early, even in small amounts, thanks to compound growth.
Looking forward to hearing your nuggets of wisdom. Thanks in advance for sharing! | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-08 | Z0FBQUFBQm5teE5QYV9wU2ljQzVRV0JjU0RUcWhmaFowZFV2WVotN0ZRS3lqcTlHTS1hWjhRbFdLa2I1YVhXM290LW91cldPcVNBWlJHUmtIeWxnbjdlUzBVWWY0Z2lEOW1pWnZhUGxCWjNVRmF3T3ZpQzZrNEk9 | Z0FBQUFBQm5teE5RRjlsSVEyWlMxdktCWEE1RlU2T3RlTkRzbHFob3dVRGpNNTJjanFtcUlDUnFxNkZ4bU1WTVRqMGFrc0gxUFNtUkJLS0NXOXYxV240cGVENDhqQ3lIYWtrVl8xNkZTUnQwdnRiTFNMMEducXlOdk1sQ2hyR2JSdWJtd0w3eDEwZjRkSUtKekNMSWJNaXN4WXZnUXlaeEdZNU9sUkQtdk5aWWdqQnIwTmc4MEhXOWszTFFGWlRINGJOaWFMNUFQbmlwX2tCTF9nYS1OY0RIWkdUN0dBT2t0dz09 |
French memecoin | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-08 | Z0FBQUFBQm5teE5QbWJGenlzNkNSeTVGTGtsdTU1QmxKU19NV2FNVVhGdUVQbURkdXdKTkNuNnBSSElMRGE4dlcyaHZUdy0yMFMxOHY0UDZpb2VaSURUUERPdUlWNzdtR3c9PQ== | Z0FBQUFBQm5teE5RTTZUT09LU29mZVVZM2xfSGx4d2xwcnRTM3NPdlpYWlh6dzBMa2phcWRoX2NXR0ZOUEhZOU42ekRLTndiQkFiaC1NcllDRnA1Y2tmbnNzNDJyRy1pSl9uaEsyS1pKeHl3a2dZY0t3OUxSeVJwdktXWDlzaWJXeE55TWYtbHcySkxJTDJYUzVmSEhVZk5JZmkzQTlWaVZFY3FDdTE0N2llVXNqZEJDdVUxVzU5ZGFZNEtOUVhwYUx6eDJESjY2azZn |
https://x.com/taostats/status/1877046119928115473?s=46 | r/bittensor_ | post | r/bittensor_ | 2025-01-09 | Z0FBQUFBQm5teE5Qb0Vmal9iZk5KVUlNV1E1ejZud3piSDFoX3lPT3ZJU2loa1dybExualFEeUVJQmZDbXZFRFBwcU13VlZoU1RfWGllb1NjcHEzRVRNc3l2a2FNRnpLUUE9PQ== | Z0FBQUFBQm5teE5RUEFzdWFCNk94T1BNUy1iVHN0VWdMbWVGU2hxN00zcmpMc01WLUpOSzlsLWgxalJjeUQ4dGpMVHB1bHZNdlAydmZEWTVSaFdFVFJveXpKaTF3ZVRQTGk2eDhab2Vwd0d5ZlQwSjdvUVdicXlleGsyR3MyNUZ6OWoyOWpvak4yM01Kay1lU1lKbmZ2YktsYWdCZGU1OFRIcHg5SzczQ3IxNWhSZzQwZDlYZUp1SndKLVMxaGtvRGliM2JxOEpsU1M4 |
What if I told you there’s a meme coin that **can’t be rugged**? No team tokens. No whales. No shady wallets. Just perfect tokenomics, a fair launch, and a community that owns it all. That’s exactly what ANARCHY is.
This isn’t some animal themed copy-paste project or influencer backed pump-and-dump. **ANARCHY is different**, it’s built to fight back against everything wrong in crypto: scams, rugs, and insider manipulation.
**Here’s why ANARCHY stands out:**
🔥 **Fair Launch**: The dev (yes, the same one who built $Kendu to $300M ATH) bought on the free market like everyone else and burned 55% of the supply. No no insider allocations or team tokens, just fairness from day one.
🔥 **Rug-Proof Tokenomics**: Over 5,000 holders with one of the cleanest distributions you’ll see. No whales (max wallet = 3%), no team tokens, and perfect bubblemaps.
🔥 **100% Community-Driven**: There’s no team pulling strings or influencers faking hype (dev left it to the community after the burn), just real people growing this project organically every single day.
And here’s the kicker: ANARCHY is still sitting at around a $1M market cap right now. If you’re tired of rugs and scams but still want to get in early on something real, this is your chance.
The Telegram isn’t just a chat, it’s where the community works together, shares ideas, and protects each other from bad actors while building something incredible. It’s not just a project, it’s becoming a movement.
👉 Telegram: AnarchySafeZone
👉 CA: GYPxyPtu6g1NmnEPPkTcCdSZz7ZMs6A1S3wTjnLdpump
REDDIT: AnarchyOnSol
This is crypto done right... Fair, transparent, and built by the people who believe in it. ANARCHY is just getting started 🌹🔥
https://www.coingecko.com/en/coins/anarchy-2
DO YOUR OWN RESEARCH AND YOU'LL UNDERSTAND IT, JOIN THE TELEGRAM IF YOU HAVE ANY DOUBTS OR QUESTIONS | r/altcoin | post | r/altcoin | 2025-01-09 | Z0FBQUFBQm5teE5QYmI3NlpoTy1VQU1fZjlNaFBtYV81SUprcm90bEE0elpCeThMTE5LeUV4Tkc4T09NODFvcU1VdG9tY0trcVZvb0pjTDBYaTJOMG15dTFsMkVxd3N6SkxOcjFqRFlIZ3RvRnJaTm5fQV9VV1E9 | Z0FBQUFBQm5teE5ReWJ4aGU0OHM3Q3VhcHFweDV6ZGJZWkRHMko5TVJrRjNjSExlczcwYUI4RlJyWUV1WHN5S243VUtjUWpqcU5WZWxtOHFmcXR6RkloMjhRd0Y0ZmxqNkV0QjN4WFpYa3NaQ19PTHcwMmk3TGJscTZENXVnZnJYZkZNY3NOWFJNR09SNHh0R2tpUTl2UFpzbVl3TGViaTFQQllVRjBPblZIWlJlTTNMNHNtdkV1TGdsY1pWREEzcEoteklhMWVwdXVMamZLQndacVYxdk51b0ZhQWZOSlpoQT09 |
I've been stuck holding for a few years. It sucks. Glad to see some common sense in this group. Alot of crypto bros that think spreading positivity is the most important factor haha | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-09 | Z0FBQUFBQm5teE5Qb0RpX0lnc0todGpKVmNxWElfakJhTGlseXp2X1JGX1FZTkt6WHFmNU5LOTRwTm5Weks2aDVjcDlqU0F4dWh3NzJVU3hwYmF5RXpYcTRwRTNhTk5JM2c9PQ== | Z0FBQUFBQm5teE5RTzVnMXRnLWRtekpyZndRYTdUXzhzVnF1N3g5dE9sUWlHQkFaNkZpNFYtbDVBWWo2Ry1fdDFtNU5mTDB4R3BpVGphU2l6M0JVcjBHU19TcjFSazdTbnc5eHlSNHRSeXlPRzlxRG52bWZnSFRtemd4UzhGSEFnQ29LMGxRMm1ydDFka0w3RW40eDJJYjNEckJya3hQVFlGeTNKNkh0UEt2bUlEbVZFLW5yRlgzQmZZVDFEODE0Q29JVVczZmYySVJWTVZrcEFia0NSUjJZRlJBdGhHNGxTczlubGNqb0ZXYWhpek1nMkZWa25YRT0= |
I got into trading/algotrading only a few years back so I am curious what people prefer using. Also would like to know what you guys use at work if you do algotrading professionally. I specifically want to know what's the best software tooling that people in the industry use, and for what use cases. Any other comments or things of note/interest that you have come upon within this tooling space would also be appreciated. | r/algotrading | post | r/algotrading | 2025-01-09 | Z0FBQUFBQm5teE5Qdk9EclZ4aWFrcWgtdGpXZVIxVlRMMm50ZXJkU0c1TDNHcXZwcDdCd2hoTldDWGJ6d0NfbGpyVUZrU2J5ZXNfT1ZtTXY3aS1hVzRuMjN3Y1NpSHNIRnc9PQ== | Z0FBQUFBQm5teE5Rc1oySGxqNGk0OVZhc05pYU5jc2luajIyN05vcjVSM3VzVEwzdFluUTU1QjNqb3lzQ3ZQTnhNRndPWWpZZHd5RjlhWHp3ZWFPdlNfdm9NSTE5WUtKX2szR2FzUURlY2dLZGVESlowX0RyQ2dJUWVFZFNxaEJFMHVoOGlHQkV4VkpJdUhBNDZsekwyY2QxRVdpWTRHUHF6V2dLSnV5SUg2UlBJeGdRY0Q0dDRXRkt1Q1RVLTNHSWtHbmYyV2ZfVHRJNThTeG13NU9Vel82VnRwSEJvQzNqZz09 |
Had a wake-up call today.
Customer emailed complaining my consulting rates were "insane" and I should "be grateful for any business in this economy."
It triggered a memory of my failed startup. Back in college, I had a simple textbook reselling business making decent money. But I got cocky and tried turning it into an app overnight - hired developers, planned multi-school launches, the works.
Failed spectacularly.
Why? Because I was terrified of staying small. Thought I had to "go big or go home."
Today's angry email made me realize - I see so many small business owners making the same mistake. We're pressured to:
* Scale immediately
* Charge less than we're worth
* Copy big company strategies
* Chase growth at all costs
But here's what I've learned working with small businesses: The ones that succeed give themselves permission to start small and grow naturally.
Just like raising a kid, you can't force a business to skip developmental stages.
Anyone else feel this pressure to scale faster than you're ready for?
EDIT: Wow - been here responding for 18 hours and I'm blown away by this discussion. Love how many of you have shared similar experiences. Even got to workshop some real-time solutions with folks in the comments about their scaling challenges.
Really cool seeing how the "Business as a Baby" framework resonated with so many of you. For those that want to learn more, there's info in my bio.
And I learned something valuable from all of you too - especially about pricing. You're right that if nobody's complaining about your prices, they're probably too low. That's the kind of wisdom that makes this community special.
The conversations here have been incredible. Going to keep responding - your insights and stories are what make this community valuable. | r/smallbusiness | post | r/smallbusiness | 2025-01-09 | Z0FBQUFBQm5teE5QTEtJTzNtR25uREUyUnJlU0dDTTdaRE45czdyUEE5QzZ3VkgwN1hqamJ3aXJfRGZuU3h2eE04ZW9yTkI4akNoN3ZvaDRnWlZvU2I4RjJYTDZibGlVeTdKZFRVV0NRQ01jNkhzRkx3M3J5b1U9 | Z0FBQUFBQm5teE5RMEdYWUZPb21wengzX2NPeVVLWkd0dTktTVM2elg3UDBYbmVHejN5eDBIOFJDRlBsWTRuNFRlbllLOFVXcnpvbTNuamRlaTJ3bFVCT1pXZVpfY2M1THYxWXppS2ozYmluZmswZERlb0lYdDVxMzc0TU9ZR3NCcXo4MUMwbnpXMDhUMWtvVnpBRFRreVd6Qm5OUzRzc0d2QS1KaFM5eS1wdnZidklmb3A4QWZjM280N3IwQUhPaVppQ19oSXNEaFBmalM1dGhxUlJ5Vkw0ckw2U3ppdjlhQT09 |
I just recently re-downloaded my Trust Wallet app (wasn’t keeping tabs on it after the tanking of crypto months ago) I’m wondering if it is still a legitimate wallet to hold XRP. I did notice that there is a fee to activate it, which is new to me. If TW isn’t a valid option, any suggestions on where to hold XRP till it blows up? | r/ripple | post | r/Ripple | 2025-01-09 | Z0FBQUFBQm5teE5QbTM4d2dCY3VEUW9Scjh3aEFYOWo3RW93bG9yVHZhMHliOG5TY1A4Tkc4YXdpTmduZjZHU2xqSnItUkwzWnRkUXhmR0xNcGk4SksyY1V0VW1pVjdOaGc9PQ== | Z0FBQUFBQm5teE5RLWtPd3FfbFVyVVJ0UXdPMmVTMjVERnJDakpwWEV3LUlsa3o3V1lVMnd5TWpaN0JPNjUtSU1sQnhjT2pZXzZiUFlQdmRQRC1ycDY1TTVMZ1V3YkJXUTJjZ3AyR1FoRzlHQzctY3Z2Q0hhcTFsdm9DSW0zd25IZnpFVFp3ZmdJSmdxWlB3MlprUzVVRGRqUVdZQmxVQVp4ZWI3Y2p4R3hBY3dhV0hoMGJYZ2NLTlV0TW5OdXFVRGdpaEcxcEVBNFJ5 |
I see most people on this sub celebrating certain milestones in their FIRE journey (ex. hitting $1 million, etc.) with many more years of investing left to go, but genuinely curious if someone who is already living a frugal, under consumption lifestyle needs multiple million dollars to retire early?
I'm 29. I only started investing into retirement two years ago and this is what my retirement funds look like:
401k & Roth IRA: $35K (plus $400/month + additional employer match)
Mutual Fund: $5500 (plus $500/month)
Stocks: $13K (plus $300/month)
Ideally my goal is to retire by 50. According to early retirement calculators, I should be able to have enough to retire by 52 (about \~$1 million), which is very close to my original goal at 50.
I guess where I'm confused is how people who've started investing very aggressively early on have accumulated multi million dollars of savings, but still feel that it isn't enough....whereas I started investing later in life (age 27) throwing in limited amounts in each month, and somehow I'm still able to retire early without having to aggressively make up for missed years and growth. I know everyone's goals are different but this disparity feels too large. Am I missing something obvious (and therefore not investing enough)?
EDIT: thanks everyone for your feedback. I keep getting a new response every few minutes so I figured I'll just add an update here instead of responding to everyone. 1) It sounds like the general advice is to throw more $$ into my 401K and roth vs mutual funds and stocks. 2) Account for the cost of inflation into my future projections. Thinking I'll need $40K in today's value will probably be more like $60K in the future. 3) Many people are suggesting I'm not being realistic about traveling internationally 2x/year in my 20's and 30's, and aiming to live a quiet, simple life in retirement off of $40k/year when I'm 50.... my answer to that is I was recently diagnosed with an autoimmune disease. There's no cure; health insurance can't do anything for me now nor will it save me in the future from inevitable organ failure, so I don't plan on purchasing health insurance in retirement. I don't want to prolong the inevitable when there is no cure. I'm still trying to make peace with that news but that is primarily why my goals right now are to enjoy life in my 20's and 30's while I still have the energy and health, pay off my home by 45, and hopefully retire by 50 so I can get away from the stress of work and just enjoy a calm, quiet life for as many years as my life will allow. Thanks, everyone <3 | r/fire | post | r/Fire | 2025-01-09 | Z0FBQUFBQm5teE5QaWtPMHRXQjlUeFZyUjQyTDRKbXFNX1ZBVTFSUUlGMXNodTg1RDZIV3hYcXRQVTlQcEQ4cFpJVnNNbzNlZDJzUGs4Z2RlN2J5ZG0xMmlybENHYXNlbEE9PQ== | Z0FBQUFBQm5teE5RSWMwcG9RcHhXN0xGeDdjaUZPNjVTU2NuOGZ4YmpnU1QyejFiaElFZGFWSHhRRkI5TzNIOU9qYjEzYnZ3RlV6bkZTOHZ6NHVZbVJkRHZHNlBaS2dTQWtIcFRjOFhsYWZsR085Y0NMd1AxZWhSZVVhQVB1Z0dkTk9LM2JValJGXzh0WlFuWEl4eDk3b0FmQTM4dF9jZWtmMjR1ekpZeldneHJKLXdIZmVRSGRudml1VmpGbHVMQXlPZ1p6U215N0FobTdTVktkaFZTWS1QRFNJWkJZZ0sxdz09 |
I use Alpaca for my data. It seems good, but there isn't much besides trade data.
My algo needs to exclude the day before and a few days after earnings. I need it for the whole market.
I think I have found some of this, but I need historical earnings dates for back testing. Anyone know a decent source that will not break the bank?
I also need basic company info like market cap and sector. I think I have found at least some of this, just wondering if there is a good source I'm not aware of. | r/algotrading | post | r/algotrading | 2025-01-09 | Z0FBQUFBQm5teE5QS1RfczFZMVRoa2xMQWRieTM5SzlYNEpjeWstNS1LUk50UmFWV0NWQk0xZThTSkJrQm1nNUVvSjc4VU05WVR5X05QdFR3ZnpOZWtzZl9DUWNqamp4OERTTU9OajlqV05jdmZSb0pJYkpvdWc9 | Z0FBQUFBQm5teE5RSEdtTEVzQl9jM0I2bzh0UFBaY0FRQXM0d2lhT05qV0Z1LUhGMElFXzFPbHBVM3JnT0pDdkp1Nl94M1JPdnREUEd2Y2QzRURNek4yMXNRSE9fN3Q3RWlFcUc4MEhUQ19feUllWmxQQXg5a3lleFNkYklCZkZSU2t3VEhKQUxGYzVOYlFyVHRNZUZMSUdRVmlGSUtWYjFWQ01SbDBoX2J5R09Eb2Z2SnI3TkNQRllPNDg0V1pKWk1RS0QwcTJabktXTDZYam12dF9ENHRrU2V6eWw4NmNzUT09 |
This account needs more than 15 karma to post
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/EthereumClassic) if you have any questions or concerns.* | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-09 | Z0FBQUFBQm5teE5QazFhTGZZRFI1WFpEclJSb1VMRGVvNnFZOFVFUHlEcE9JVktiM0V2dV95eEdmMlgzNnpTVEZuQ2pnRkV3b0NwWDlGa0JMclFmU2IyWXcyNlhvRV9aR3c9PQ== | Z0FBQUFBQm5teE5RVmhWbUlPMGZPRE9SYk1RSkdKNGVsZDdaZTFzdzZsSTZCcEZIWmR6eUpEWmNfbkdkM2ZobHd0aEZ5YzJQV3lvLTdNVE1JTjdQNFlmaVdXLUlvdG1jZVEtODMyOWgwVWdsZ21hZm9FWUtRZDZHUm9uRE1Oem82YzZOeW9ja0Q4YnN6VzFWWklXVFlIM1Btd193R3lTMFlqSkhTcGt2SlIxOV9MVlFoZnpKSEREOUJJR1F5RUtEbnMzeEt1ZE9SN3pfbVVqRmc0SnZXTEVDZGhwVGRfc2VMR1VZcUI4N1dfRXZmRjdwQ0FvTGo1OD0= |
Every game in the world is won by knowing something the other players don’t. Crypto is no different. With the blockchain being public your job is to either be the winner with your own ideas or find the sharp plays made by the sharp accounts. Finding sharp accounts is still on you. But I’m here to share some insight into how to monitor these accounts with automation.
I’ve done a few YouTube videos sharing what I’ve learned about monitoring Solana transactions and I’ve done one about this topic. But with this subreddit’s understandable change to move away from links and self promotion I’ll be sharing this information in text format.
This is just one way, but I think this is the fastest way to spin up a wallet watcher. The premise is that we can leverage a service provided by a company called Helius to monitor the transactions and alert an application we spin up with new updates from a wallet or account. Helius is one of the most reputable services to interact easily with Solana. Their free tier is generous and they offer a service that utilizes Webhooks, meaning that when Helius detects an account made a transaction, it will alert our application. Our application has to be hosted to receive webhooks. For my own use I am using Cloudflare Workers. It also has a generous free tier. But you can find hundreds of options for this part.
I kept my tracker simple, when Cloudflare/the app receives the webhooks, it parses out the transaction and I have mine alert me via Telegram.
That’s pretty much it. Helius to a quick Cloudflare Worker to Telegram. All you need to get started. I’ll try and update the post with the code later without a link for safety. But if you have any questions, my DMs are open. Best wishes | r/solana | post | r/solana | 2025-01-09 | Z0FBQUFBQm5teE5Qc0xkRTNUalVZNzN1Wk52QVlzZWlsZDFyeTBtY3dLckRpQ2J4QWNKTmxqak9NdldCbVJCM2NlZ1dRSlI0cXBveEt1M013aVRwYVdBMGhjLVNmMndtUUE9PQ== | Z0FBQUFBQm5teE5RU2ZRZ0I2UmtLQ01hdzNISnFyR3NmY1VpeXlXdWsxbHZFd0xQNmhNU1p5VnRzSGJGQU9nSFhMN0Y0ekhrWmJhelRJVjRSQU9jcHFLVWlFNU83Wkg4TUtOcWRpOHFkMFFUVWh4a0pSdmlUVU9nNWt3aGZzUzNjTmRKem9xTnA5ZDBwa3NZWGNWanN2WmdZR2pBUzItYXdPQWpweXRkLVZGR2pOTHJ2RE5aU05LUWtLcE56ajVxZkh1S2Y2eXlNS0o0 |
I have a $1000 to invest. Any recommendations or suggestions for coins. I hold some CRO, DOT, ANKR, HBAR.
I lost some money in DESO and Mullen (stock). Around $1500.
Trying to learn from my past mistakes. I bought the hype... | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-09 | Z0FBQUFBQm5teE5QQzZEenltc09kdXZOWkhQUjlQSFplMzJ5a1RjYm9aTUxFWE02TW5za2drUkNpcEFBOG1JT3hhR0xHaWxUMG1YREJDc3kxd3lsYTNxTHVpMl9YWXhSUWc9PQ== | Z0FBQUFBQm5teE5RSVFUMkg2d1Nlc1FTTU9JeDhmT0VITHZRRlJqd0pITTI2VkxTWFhuamxmeW5YT3hBWTI0SmJvU2Q4ZnU1RWU5LTZ0WjhtX2tzX1pkWFlRZE1UNnlZajVOX1lnbFpkNlR2UUZ3Z2hyTnZLSlIyS3lkUTZKM2hZSkM3NWVlUFJaS2hpX1h1ZS1rTlptV1NlaEUxTDVselV2TVZ4NTVsUW5GbFlWdEx4dk5iUy0tV3l1cW8wbzNuR2oxNVVlRmo5bnBf |
Hopefully this doesn't come off too Captain Obvious ...
If you have a nearby friend or family member who you haven't seen in a while, right now during the cold, dreary months can be a great time to get together and visit, even if it's just a meetup for coffee or a beer. It could help both of you through some of your cabin fever and you'll get to catch up with an old friend or family member.
I've been working through a list of a few people who I have been meaning to visit, and it's really helped make some of these dreary days pass by more happily. Plus it helped me discover some great new coffee houses in our area. | r/retirement | post | r/retirement | 2025-01-09 | Z0FBQUFBQm5teE5QMk9zeHQ0Zk5Xd0pxb2dYY0prSjlBV3NEY0l2czZrUlMwMExSVjZiek9tTEVtalExQ3ZPeHFQazYzUHBFQ1ZINllvamoteGczQ3JDNEZMWkZKZHJZdFE9PQ== | Z0FBQUFBQm5teE5RSkNjUF9rekU5cXNJMDBTM21JeXlPMThhajRLX1EyakRsQ00wWEZBMGotVm5YVWdBalJCOTF5NTRLemx3MS1ZWU42SEYyVXZZcS11N1k3NjVENjlVaDRVUDFhMzdiTXlIYUNab0xoME5XUHYzMU9Odzl0WGtvZnFrT255RVJqOFFJREtXUS1VUkFlSEhtS1BxT1lvTU1qdnZRNm9HUDllYVRnTVJiaXVUZi1zQmhHS0lxMllhT3NNZkwzbGFuZmxkX2RkU0lEaWFndnNwNlpzTjl1UHJyUT09 |
I'm new to crytpto and I don't know how things work but I've heard monero is the best and most secured crytpto out there and it can't be traced
Let's say for example if I want to receive x amount of money and staying anonymous is monero the best way to receive and withdraw without being traced?
I'm asking because they call it the dark-web crypto currency now, doesn't that means drug dealers and criminals and blackmailers use it to stay anonymous and stay away from getting caught? | r/monero | post | r/Monero | 2025-01-09 | Z0FBQUFBQm5teE5QRjBUbUdkT05Ucy1ncEtTWlE3XzQzS21DQTFZTDNRbzdZVl9RWVJVR3p2c3l6NDVVOHpVYVFVcE51cFVwQ2EzMU5Vb1VtRHRGbGlORUVpLThaOXNjbVhYRHJWRTRZZzdxRzFoTEtVVmxHZWc9 | Z0FBQUFBQm5teE5RamJiVnczOUMyZHpjWURIVGdZZlVDUzhLYlN4aHprb2ZFY2pFRlQtZEVUZDBPMWYxT21sZUpJVEtxN0pqNlFUSm8tQk45UGRPckNjZGxSbUpFT3pUQlpBVWRkOWZwMlFxMDhCNURXVHZwc0J5YWpJMkllWlFXc25XeGd6elhXTTJJTlNaa2RUbjRab0F5TGtfR1hnVzdmVVdKZV9DR0pNbmROdExoVW54MXJKTzhYRFBKOTFHeHliVjRCOGpYckVW |
The AARP tax aide program functions just like an appointment with HR Block or whoever you would normally meet with to do your taxes. I make my appointment online, bring all my documents, and let my man Russ do all the work. You don't have to be an AARP member, it's open to absolutely everyone and it's totally free. You can find them in libraries, community centers, etc. They have a locator on their website that I don't think I'm allowed to share the link to but it's just a Google search away. I've been using this service for 7 years now and I'll never go back to paying money to file my taxes. And yes, you can file your state and federal returns for free. All both of them. Or more if you're like me and live in New England and you're one of those people who lives in one state but works in another. Happy refunding 💸 | r/frugal | post | r/Frugal | 2025-01-09 | Z0FBQUFBQm5teE5QczBDWi13RmZKTUUxQmNkX0hsUy1xVXhveFY4QzB1Y2pSWHhPbU5xV1NSekZKMk9hZ2dOdnhHa2hKVW5IZzRVUVR4LWc0RzFmV3YzUTBRaUZuU3dBeXc9PQ== | Z0FBQUFBQm5teE5RUTVJUzJGZ2pWdlhRdlBOVkxHeC00aUw1THJTaUhaVFNWaXhINnNzUXZaREdsaVlfQjUyRDNuOGpOaWdfeUQwTkJYa3R5dE1mYkxCQktpSUlhSWNBMy1Qc0NrSXlJWThiUUtjWEpwdEJMUWpMZ2hHaDR5VVdaeGpyaGd5Z0JpNzQ5a0o4enByOHlHRGk0N0NieUNSTVBITUtic3ItVTdUZHE2NUk4Qkd4eUVQNlIxN09mOUZQcEwzN0VhZU82NXR5UG9lU0R4ekpfOGJ4VWgxX01RTjhkZz09 |
I’ve just been looking into mortgages, and a longer term just seems like an overall win-win:
It’s much more flexible on the month-to-month, whilst also allowing the opportunity to save for overpayments and remortgaging. If you really wanted to, surely you could pay a lump sum that you had saved from having lower monthly payments into your mortgage when you decided to remortgage?
What I’m asking is, is there any reason not to take a 40-year term for anyone who isn’t able to pay off their home with a couple years salary? Surely it’d just make the most sense in practically every scenario to take the longer term to put money away and make overpayments? | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-09 | Z0FBQUFBQm5teE5Qby0tTGJpbDZBenFCTEdYc1NyNXhBOTMxZkFEd1liWURwTDR4U2w0NWR0ZmhNMTAyVkJra3pqNXUtakhCLVd4dXJpRGZHdmtKbWw4UlB0emQ1Qk4zc1VTVy15U0M0T1RNYmptdEhxaVM1MEE9 | Z0FBQUFBQm5teE5ReGRpdTNqU21HTUNfVXRkblNyb2hQakdwdVdOalo5b1RXaWlPNVh3cVlGTWdEcm85UzBIU0w4dXFMRDRsNnlHZ2J6emV5VV9sazhvaDRuWGlQaTR1eElydmtLbnY2NE1DWmdIVlNncnR3WXYySUFFSEN2UWxlc0xvNUNFMUVfRkhtQWwzaXVFcmFkdDgxY05NNXNFWFhtbTBnU1d6UTFjOV9RdHBqWXZNcXF1VC1nWU1zRi1tN1M3ZHNSMDNGOXFOV2hPOHVvcUltRkg1N0hjTVhmMFlEQT09 |
How do you query the staked value of an address via api? I can get to the proxy address but the implementation address gets me nowhere. | r/zilliqa | post | r/zilliqa | 2025-01-09 | Z0FBQUFBQm5teE5QalpHMG1RNkZXbUxDTXlOem53ZENPaWNqSFFNbE5JWkhIdldKUlo0T1g2UnRDaDlheWo2aTFMV3pKbk80d29nSTVOVnF1Y29UMDFETVEzWnM0WTdEM1JqZGJpY0NQMzFzakFFSnZpTTFlbmM9 | Z0FBQUFBQm5teE5RV2ZSVnBLMHJoX2UtWU5OMXdlbVlTa3V3SVlUMUhWUlNOallObWVLVlViZEZiUHBRaGNlN0NNYU9XUGZPSGtiVjU0dVhmZS1feDhmY0trcVBuNGQzcEUtdFhrQXEyeGQ1dzBLSS1YSzdSdEpTQnN4b2I1a2FfT05pa2RYcGxlbGtUS0FpdzdHd3kzVVRkN3lJMjk3YVlsZFB1M2htNEtaZnU3eWxrejR6cHp3PQ== |
to shit and back lmao | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-09 | Z0FBQUFBQm5teE5QOUp2dWxCWEw1RHhuNXFFOWpJZXFpRlJVVGNvN0lzb3BRV0NkSXNPRzlQb0FoaWlQcWhWOERCR1BGb0t0Wll4RnBMQTVHWDJrZVpIaERlVFR5MkpTRUJ5bDBZTHB1SHNwVGoxTF80UUlWakU9 | Z0FBQUFBQm5teE5RXzBvODRlNWFiaUt6NmQwVjlKMkhnbzUwUklJNkkwVHlOVFRNRWd6cDVteW9uRWRCVG9ON2N3ZkVEaGlfeWtVUU9HWWtqRlBQYzAyZ0hMQ0R0SzJ0dUdsZ1QwUkVFaU9kd2hNMi1ERFlOdWtORjhjNmJSdzNJTGNjXzU5NlJjd3FqM1FtcW0xU0E4NUtLOHMtWUNEbGFpMHVjNllycEk4UmluOVd0YXczOXlWaGFQUXh3T0FRX3p4dEJPOHpDeEY3 |
r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-09 | Z0FBQUFBQm5teE5QYWpMRWdRa3VuemVHckd0OXR2OVFwSGtOUW1JNEpENTFaYnlWbjZVd3JPNERyUjlBbXJUOWhfOWhQMWg2VmVuVTg3YnRHUVZOQnlZbFZhamJLR2tMUnBiX0k2R1dtTkVmV3pGWXRkWTRVQWc9 | Z0FBQUFBQm5teE5RNnRINWlqSnlWYVFHakx6NndSUHFsNjR4b0Q4aFVDdEVuNmxaSWdQVEZjNWpDUnFSdnlrcHNnTUV1MmRaYlUtMkdsOEdCUEN4azZKcXA2ZExJRFlvc2lNajlRMWdENDk4UFlmdW5qUEJXTjNrdXF6S3dhcUVBOVEwaUdTNWRKWldBanpQTmRHLXYyWlQwZUVabWItYXpJbU1BYUFnMkdWdWVZbkVnYThZaXI1S2h3bEUwTVZTOFVFZ3FaVC02QjJK |
|
My dad died 11 days ago, on Dec 29, 2024. I am a 30 yr old female and am in charge of all of his assets and properties. I am a teacher, and taking time off from work for this. The whole month.
My dad was divorced from my mom, he was never remarried. He was diagnosed with cancer 4 years ago, recently relapsed, and died suddenly from sepsis. I am now In Idaho, where my dad lived. I Live in California. I have to get his affairs all in order, including selling three properties, filing him and my grandpas taxes(he died jan 17 2024), and moving/ selling things out of his house. I feel so young and naive to be dealing with all of this. My brother is 28, and is totally emotionally unavailable to help me. I am the head trustee, and responsible for everything. Every morning I wake up, full of energy. I feel this is adrenaline. Then I have a meeting with a person, am completely confused and lost, and depressed and tired the rest of the day.
I had a very simple life. I do have a small condo which I proudly own. I will be accumulating about one million in inheritance. This is going to be life changing for me, and I want to make my dad proud. As I see it, this is money to invest, and if I choose to have kids, it could help with their education. If not, I could possibly retire early. I'm just looking for advice. Thank you ❤️ | r/fire | post | r/Fire | 2025-01-09 | Z0FBQUFBQm5teE5QVVdCOFVEejdubW9rR0k0bVhaZzlBMXdXczN4cmUxZVR5WWNxNWgyQ2JlUUdjM2Itd0UtMy04R0ZhNEl4R1Azdm9UMmZWX2hpZERuYW1xQ2EyaEM5cDhBWW9tWm5DTWx0REs1THpkbEVoMGs9 | Z0FBQUFBQm5teE5RTXRGMGN4bTFlS00weWV5OHBxa3FhLXJmUkdONTNQajZzNXF2dC1FbG55YndDel91Ry02aWFBdjFEdFdMTWRhazVRamdPWHZxLVBYWkxLQ2E5djZUNXFyQXpQLXdCdGxya05hT0dEVzY4TlhNS3p0MUxjNEVNTkdZVUlTSkF1ekNCOFpVakplNWhiaE1lSlA3T296d2tDRXM1Y0dDbkQ3OGwzR3hiZ2ozWWQwPQ== |
I only trade 0DTE SPY.
My only Strategy:
Buy during pullback during trendy market
| r/daytrading | post | r/Daytrading | 2025-01-09 | Z0FBQUFBQm5teE5QNm44cEc0bzJ5WjhCLV81aEpwcFNXOEdnUWpOTF96bWQ1TENfTWtFR0Rvb2Itb2I0cVBUbHpNZGZhSk1fOGRQQ2Z4Zi1kbm5ZSjVOZWMwOF96cFZWcFJwTEhadkFXUVVuX0NmX25Bc0pvMDg9 | Z0FBQUFBQm5teE5RaUEtQmJNa0twc0ZpSElfYko1WWprY2xJSEdFWC1WNmJuZjNseWswdWRkTUM5SG5lUGZYdzlSbWF2bGFEbm45YzF3Q1Q2MmVUYzMtbm5KNHgyd3VlVHJQSkFPUFFHTm1YTFNBaTByc2tqTG5uRlhGbEt5b3ZDY0VDOUNsYzI5T3hpcmVEYjJrLTljQjBzdDlTYmQyaHVBbUJBbDd6X1JJQ1FVQ0F3bHVMeEVJPQ== |
Hey everyone,
I’m looking for recommendations on crypto payment cards that work with Google Pay and are available in Europe. I’d like something reliable for everyday use. It’d also be a bonus if the card has low fees, supports multiple cryptocurrencies, or offers any perks like cashback but overall I'm looking for a reliable provider.
Are there any specific cards you’ve tried and would recommend? Or ones that you think I should steer clear of?
I’d appreciate any tips or insights from those who’ve used these kinds of cards. Thanks in advance! | r/defi | post | r/defi | 2025-01-09 | Z0FBQUFBQm5teE5QLXhQemp3YnFxTlJNOFdtdHRJVFB6WVJXMVNPQ0RzZEpzQnRJUUJpQ2l1dGdJd3dzMXhxS1BCdTBiV01YVUp2dkQycl9GWW40OGxQcVRSWXhaWno2cjFCcFpTQkZ3QmJ0bW5GMzB6MDFicWM9 | Z0FBQUFBQm5teE5RUFdWWG9VN1hfX3d4ZFdjLWxyZTRPQVZCTTFlbFJvV1NYUHI2SkRLMGpjcm1NSnR6SW9ROHJRRXRMdll4bmt2alVTdkVSQ2RBRFFvRmNOZWtRbGU2d3hOLXRra0dRT05sWnpvbTFuM3FUMXdXTHpTaUtOcDZnRkZVQUczdWswdko2UnZYVlZkSGhqTGkxLVBrVXVaQzBKNW5sbHFhZGxXdUREdTdxX0VEYjBKcGZrWnVGVU54ZGR6WkRUZDM4bHVG |
An Amazon, there’s a flood of books that claim to be part of a series on Algo trading by an “author” named Jamie Flux with crazy price tags. These are all AI generated garbage that was spit out by an LLM. While there could be useful information in them, you can get all the knowledge for free using your own ChatGPT queries.
Here’s an example
High-Frequency Trading Algorithms and Real-Time Market Analysis With CUDA (The Artificial Edge: Quantitative Trading Strategies with Python) https://a.co/d/2naIIt6 | r/algotrading | post | r/algotrading | 2025-01-09 | Z0FBQUFBQm5teE5QTmg4TmQ3OHhFU2lkZkxicVowS2p0SFd5NDJwZnNjcjB5NnM3dHFJYm5mdkduSmJoZUdobm5BelQtQ3pUVmZVdUFGUm9aNkFFSzhEOEtkdGZpbWUxY3c9PQ== | Z0FBQUFBQm5teE5Rd21MSWhFNzVLNTVSYS1mdW02OElmWjNiT1VxNHlPNFdkMmwwTFIzWHppMXk2cHdzSDV5Q2tQWTQwVUp2elJpZUhwN242V1VaeFhYaTRiaS02cXdkSUJmYW1iSGFaVUw4YVpBYXkzQm00Q0Rzd1otNDdLVGFpRnpYcVd0RTB6dldCWENMVlVVd21JMlZFOFZDUmdFZmNJemY1SHZ4dHdpUjlkSm43cWdNamExaTEwdmpGM1NwU1ZVNU4zbmRILWJ3TnhDbzY4SWhPM2FzVlhtOG9lYkxuUT09 |
Where is that $109 Donald huuuuuh | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-09 | Z0FBQUFBQm5teE5QYVJjeS1QSUgxYVZIVzdMMTVOenh5aWdYcEgzQ3NucnVCNXMwcmxHZUhFUDRtaV9UaFNrQ05yNDA2UURmX09rSXo4Qzh6Sm9fTGE0a1p3LVBLWmNsMUE9PQ== | Z0FBQUFBQm5teE5RSUM4eElCQXJ6cnpsLTRvclY5V0xnNDFrVzk1c1gxa0ZzOXpHUWdGTEtMeEY5d0xBaHlDaGhNTUZmdWlteHdzUDRnNlRwbm9yc205SzlJTzQ1aU9LVnVDbjFuX3lhUUZWOWN3NEdhbjlTU2ljSXZOZ1ZUN2dXeElEd1NhVUxFMk9lQllEcWNnUlpYRGttTko0VzV0QkY3UjRMbDlMNG81UlBHTWlpSV8yS3ZsVXJmblF1eTBtZFRhYVAxbkRrcXI1 |
## Join Robinhood and get a free share!
Thinking of opening a Robinhood account? Use one of [our referral links](https://www.reddit.com/r/RobinHood/comments/1aguejm/) and you'll get a free share!
## Important Links
- /r/Robinhood Discord Server: https://discord.gg/Robinhood
- /r/RobinhoodUK: Robinhood's coming to the UK in 2024
- Google: https://google.com/
- Investopedia: https://investopedia.com/
- Learning material from the SEC: https://investor.gov/
- Robinhood support: https://robinhood.com/us/en/support/
- Contact Robinhood: https://robinhood.com/contact
--
^Standard ^disclaimer: ^The ^content ^in ^this ^thread ^is ^for ^information ^and ^illustrative ^purposes ^only ^and ^should ^not ^be ^regarded ^as ^investment ^advice ^or ^as ^a ^recommendation ^of ^any ^particular ^security ^or ^course ^of ^action. ^Opinions ^expressed ^herein ^are ^the ^opinions ^of ^the ^poster ^and ^are ^subject ^to ^change ^without ^notice. ^Reasonable ^people ^may ^disagree ^about ^the ^opinions ^expressed ^herein. ^In ^the ^event ^any ^of ^the ^assumptions ^used ^herein ^do ^not ^prove ^to ^be ^true, ^results ^are ^likely ^to ^vary ^substantially. ^All ^investments ^entail ^risks. ^There ^is ^no ^guarantee ^that ^investment ^strategies ^will ^achieve ^the ^desired ^results ^under ^all ^market ^conditions ^and ^each ^investor ^should ^evaluate ^their ^ability ^to ^invest ^for ^a ^long ^term ^especially ^during ^periods ^of ^a ^market ^downturn. ^Have ^a ^nice ^day.END | r/robinhood | post | r/RobinHood | 2025-01-09 | Z0FBQUFBQm5teE5QV1FnOWxVTlM4YUFzc21Cbm5aSmFGR0JWalBxZWlOVDVCTm15WWMyQnZWY3dCaTczRUZLOHUzd2wzeTJfVS1CR3daeHRWci1PdmJEd05WdDYwaWZnZFRJU3VuSFhBUEdjd0lBMTIzaUxlVlk9 | Z0FBQUFBQm5teE5RM1pZai04bnY4WWR3UDN1QTBJbkV1Rmd1bEx1NUFWLWQzenZfV3F4R2kzQ1d3SXo2VkZjenFXbzRxUmlxV3duWkgzaHp5NDlJbWVhbmhpR3o5WncycE1NeTVKODkyQnNEUHR3Yl9CcS03TG15eTlWZkxJSUNXZ2xjcVNKUXZQQmI0Y25aUzB5dklHTXdTM25qZmxKMFlpclBhc3pub0tJV1JFdWd2S1JYNzlpUTJaRXN1QXpiYnBfZ3l5d0c4Mjct |
I managed to solve my problem.
This is how I did it : I copied the two folders containing log, lock, ldb files where chrome extensions files are stored corresponding to the temple id :
On my mac the folders were :
ookjlbkiijinhpmnjffcofjonbfbgaoc
chrome-extension\_ookjlbkiijinhpmnjffcofjonbfbgaoc\_0.indexeddb.leveldb
Then I install temple extension for chrome on another machine and paste folder's content on corresponding folder (on a PC) et voilà.
retrieved my account, and this time I have duly noted my phrases and passwords to restore my account if needed. | r/tezos | comment | r/tezos | 2025-01-09 | Z0FBQUFBQm5teE5QWk1wSHNfZ0xjbjdmT1h1WGNhSDQ0OFFTQ2NaTEZmSHR6Ty1fcEJtLXJpSEh1SDFNNHdZMElmY1JPaUp0TGhWVWNUdHI3eTRoaFVJN2VMaFBpTUFmUWc9PQ== | Z0FBQUFBQm5teE5RUVdrTVR6MHQ1QkFsT21ab3RqaHN2dm1pendtOWpJQ09Dem1iX3dCZ2ZHOUJoc3pod2VZME9ELUZ0X21laWZ3NkdaV0tDVVhWdDN0NFZ2aGphSjAtRFBDbEIzOTJLUGx6TTZLSmk5dXUtSjRwZVQ0eFJUaFB5cmlJQlVTWVNWQUZVV3BVZkNqenlRQWtGVG5fZzhSQ2JOc1V5TmlnZ252MHd5Sm5ySnl2dVVtbldpVlZaX3kyUENxajFQNlcyaTUzUHh2RGxOWkFZTk45Uzc4Rnd5QkpkQT09 |
[Vltava Fund](https://www.vltavafund.com/dopisy-akcionarum/kniha) (AMAT, LRCX) | r/securityanalysis | comment | r/SecurityAnalysis | 2025-01-09 | Z0FBQUFBQm5teE5QTldJQmxDUXVOZHhIMmkzY0NHZEt5V2lMLTZSZmdBbW1mTUdPVGVxV1M2WVJoRFlRVXE3X3VxVklqVnlZcHdGVC00YzhQa2tSNGZEdUxKcGpVRjRiRkE9PQ== | Z0FBQUFBQm5teE5ROWt3QzBMcXJmdkVpTEIwUHNmbDF2ZXZZYTY1NjdBWGR0cnF5cW1uTXhaN1RKRjBIVFVTcHZEVWZxbGt4YzJ4SUNPZVBmV0tsZWJrcTd6di1YUm1PcjFaWFZVZlJ2ck5CYkJia3E4b2dvMklHQVUxUXRyZlc1VUZzcEF5VS15NkpEd19WMGI5a2x2NXFuY2o1WXdYenhYaDlxODN2LW1OS2VfalNqV3pmX3ZNUlp4dEwtbGxONk5UdzFfcHhBb3lH |
The only 2 coins who organically achieved a free @CertikCommunity (X handle) audit:
$PEPE & $KENDU
This is done by achieving over 50,000 REAL VOTES from community members!
When comparing the charts, KenduInu seems to be following in the footsteps of Pepe in a similar fashion 👀
When digging through wallets tied to the holders of KenduInu
There seems to be a lot of sideline money waiting for the perfect opportunity
To produce one of the biggest green candles DeFi has ever seen.
Considering how heavily retraced the chart appears
BUT
Seeing how strong the community is holding the line during the current market sentiment—
It makes one ponder, “Could this be the next big play? 🤔”
My answer:
There’s only one way to find out.
https://coinmarketcap.com/currencies/kendu-inu/ | r/altcoin | post | r/altcoin | 2025-01-09 | Z0FBQUFBQm5teE5QdWY0WEpRMHkxME5JUC1sVGdoaFphY2QzcV9mYVZMVkYxVHBja0RLeE1FTGhNN1lsckx0MkxCYUxqc0U0Z0plTnJya1VfZVpES2swbDNNVTFJYlZPdHh6b2x4R0RCdDNRTnozY2RUUzVCZVk9 | Z0FBQUFBQm5teE5RSU5TRi02VXNES2dlTWY0ZHdIVElWUUQ5YzNNOGp5dE5sMm12WjVDQkRMb1h2ZmtxWHlDSk9yQWM1cU5ydFdhbzlYWGpNWk96RGpFeFFwcXB1dDI3Q1BaOE8ydEZuMEJtbm1qTTQ2eTVjVmZmZ0J4dm1fQlQ0QWE3X2ZjcWYzZmpnbVJNaUk1VHpERTNYbDFaN0Jsa0RYSFpjb0NXMVhVcHMwVzhvYmZhUWdwMnlPNDdQdlhSV2tYbnZVN1BESHU3SmZ3bUpVT3NBQWl6MTJBNmZGRUZsdz09 |
Happy new year to everyone, I'll try and keep this as short and sweet as possible.
Starting with Kendu, I’ve been part of the community for a while, and it’s beginning to look like one of those projects where the chart hasn’t quite caught up to the fundamentals yet. It’s got *a lot* on the roadmap for 2025 but the two biggest things, in my opinion, is the Solana bridge and upcoming launch of the Chads Marketplace. The bridge is particularly a big deal because for better or worse most of the activity is on Solana these days, and making Kendu available on it will open up a market that it hasn’t previously been able to tap into.
Moving on to Ingex. It’s a zk-oracle project that I’m a part of that will generate a revenue share for token holders when the mainnet version launches. I’ve been posting regular updates about the project for months. There is a brief background about the project and how we're partnering with memecoins [here](https://www.reddit.com/user/lemond4455/comments/1fyecn4/a_breakdown_of_the_revenue_model_for_ingex/). Our first NFT set, which are the revenue-bearing tokens I was referring to, recently [sold out](https://opensea.io/collection/ingex/overview) and our final ever set has just gone live. There will also be a small allocation on the Chads Marketplace when it launches, but it’s part of the same set.
**To celebrate the new year, we will also be rewarding the next 8 holders with a distribution of our ERC-20 token, which is set to launch in Q1. It will be proptional the number of NFTs obtained (1% of the total supply for every 3 NFTs obtained). Once all 8 slots have been allocated, I will update this thread to reflect that.**
The set, which just went live, is available on the folowing networks (they are identical other than the gas fee to mint):
**[Solana (lower gas fee)](https://launchmynft.io/collections/GsLvoV3wnL7Lrgdkm9aJKG5kce4fJSQi4s5oL3iDe1u7/E9rk9sZahEy9HEuGnR8a)**
**[Ethereum](https://opensea.io/collection/ingex-standard-eth/overview)**
**[Base (lower gas fee)](https://opensea.io/collection/ingex-standard-base/overview)**
https://www.coingecko.com/en/coins/kendu-inu | r/altcoin | post | r/altcoin | 2025-01-09 | Z0FBQUFBQm5teE5QZUxBN081VXRZdUZPbGZwYjdfdXJpZDBaZTA4ZjZFaHBlX0lSTG5PTVlLM0s5ejlPVXB3S1VTbzhvTlBDdnl3ZkduM09aY3BkbG52T0lTNWFtRUVOWEE9PQ== | Z0FBQUFBQm5teE5RT1U5VVc5WklxTGFxM2pxYnV4d1h6eHhZRXdYcjFtUkd1cnpKRGRFNzFWNnJvMmlXZVE0Mk1xVUtpU2R3WUtqSUwzdXU3ZUI0dVJ0TG1hT0tNMG0tRGxHUUc0S0JWY1NPSm5QVkFpcnQtYVFHVkwwY0dYWDZmQ2oxcHh4VkZtVlpRc2NFZ29ha2Q5aU0zYlF5Wl9jM25fc0dtZmJNcW52d0RVLVp5RGVxUFBPRGVZYkpyV2VhZ1Jyd0JjMTlnR2VFb0UzZmRXamlXcHk0NHM0aW5Na0pMdz09 |
Global banks will cut as many as 200,000 jobs in the next three to five years—a net 3% of the workforce—as AI takes on more tasks, according to a Bloomberg Intelligence survey.
- Back, middle office and operations are most at risk.
- Banks’ profits could surge due to improved productivity. | r/finance | post | r/finance | 2025-01-09 | Z0FBQUFBQm5teE5QR2tGWkZ1bHQ5WmoyemRFYUFtNEkyYnpOYnZWZnB6S0NBVVNKdWNaV3JMMlRLb1NKRGQtZF92Zzl6MUN6T3huR1hWcXpnTHY2Uksxc1hmSGNjdVdDZE4wcjBZQjZUemJkZ3FDTC1MTC1xNXc9 | Z0FBQUFBQm5teE5Rd0MxWUFSbWJMNlg1VnpiTGdyUTlNUzJBa0o2SXlhbzd6MkFWOE9zTEMxNFdwaWVpczJvVzNfM2tZRGVuX25KUmNOLS1oOUVVcWlCQ0M5OWFDak12NExQUlR2MWU3TkVldERwd29hd3BpWklKeUhaR21kQWlmeDhvbWt4ZXduT212cDk5M0RLcGgtcEpjOS00blNYU00zLUIxNUl4RUJRYkdBODAxYkRISTdDZGhjbmJ2YVBSQmozeGV1Z3VrYUU1Tk5TbktNSWE5QmJGQVF5dURjY0NPUT09 |
We’re excited to introduce $BURD, a meme token with a unique twist: burning tokens isn’t just a feature, it’s a flex. Here’s why $BURD stands out:
🔥 Key Features
* Wall of Flame: A leaderboard where top $BURD burners earn glory and recognition. Burn tokens and secure your spot among the legends.
* Community-Driven: $BURD is all about engagement, fun, and building a strong, meme-powered ecosystem.
* Meme Culture at Its Best: With an irriverent tone and engaging content, $BURD is designed to make crypto fun again.
🧠 Tokennomics
* Total Supply: 1B
* 95% Burn Pool: The heart of $BURD. Almost all tokens are reserved for you to burn and claim eternal glory!
* 5% Community & Development: Fuel for building the BURDverse - community rewards, marketing, and flaming hot updates.
🌐 Social Links
* Website: [burd-incinerator.com](http://burd-incinerator.com)
* Twitter/X: [https://x.com/BurdSolana](https://x.com/BurdSolana)
* Telegram: [https://t.me/BurdOfficial](https://t.me/BurdOfficial)
We believe in creating value through fun, engagement, and innovation.
Our tagline says it all: Burn It, Brag It, Own It.
What do you think? Ready to join the burn revolution? Let us know below! 🚀🔥 | r/satoshistreetbets | post | r/SatoshiStreetBets | 2025-01-09 | Z0FBQUFBQm5teE5QeldvaWtESkZuOFBSQVNmaGNla3VPVmEyUDdoeTNYY3JuQmwzaks1ZnRQdG5wamxFN0l5amNUWXo1VnpRVm0ybC04dy1oLVh5dlcweFRjbURtam52WVE9PQ== | Z0FBQUFBQm5teE5RRmd5ellOOEdfbThXMTVLTHd6UTh6R2xCZEZIaHo0a3I2ejdQNUZxclAtV3RBb1dXTDhZT2pIaHFGQUQ5cU1iRkhPdnN4Wi16OUJpNEIyWTZtUk1vLXlSVkd6Y1BuYkVaTXJYS2tfTE1DNW9TTHZReEt3d29JaWpxRC1IUV9lOWRrTnBfNnhkMHhxWnVGTUFnRUhYX2hHQm00d1BzMGZZMnNWQ18xU3YzUk9ndmNSLTZtTzRWOWE1SUtQeGFubTBUNFJBSkRzNVhEejhBRE1HeHhEcUFCZz09 |
I've got £400k currently invested in S&S ISA, LISA, SIPP and some in a Cash ISA.
People always bang on about investing in stocks and shares (which I have done) often quoting average returns of between 5-7% for things like VWRP.
But if the UK government bonds are currently at a GUARANTEED 4.86% - Why wouldn't we go all in for the safety?
My understanding is that is 4.86% annually for the next 10 years.
On 400k that's £19,440 of guaranteed income for the next 10 years. Almost £200k return.
I must be missing something here? | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-09 | Z0FBQUFBQm5teE5QOHdMMElSSjYxTXNvWE9DWkd3aUYzY3NmTm1xVUJJV2xGNG5oLU1mVFI2ZjgwXzVYVEJabFZ5MXYyLU1MU2ltTG90aHdvZTY4cmw4MjVOQzhOSGRqLWc9PQ== | Z0FBQUFBQm5teE5RY2NkVno3akc3Yjd3UEh3RDYya0JCa1BQRmRBQWl5by1mNmEyVi0yWndGNzhoN1BjdFNPT2Y1MTI3aE53aExXaDFOV3k5QmZSdmZKaWgwQWN4d1hoUVFpRzRmSXJRbUVFcEVucS1IOGw5OTFnUTJrSGg1R0RCVTBlZkl1V3A3bkRVcHllNnpZT0E3S09rSWs4WEJVQVpjSVI1Q2tzQzljQzZlWUxZa2FndkcxSFE1SURfYWlaNFFYbi1NR1kxSWY5MmVhYmlPYmlzeEF5RW9KOE56VEFXUT09 |
LVS Advisory letter:
return: +36.7%, posted: 1/9/25, companies: TLN, MEDP
[https://lvsadvisory.com/wp-content/uploads/2025/01/LVS-Advisory-Letter-Q4-2024.pdf](https://lvsadvisory.com/wp-content/uploads/2025/01/LVS-Advisory-Letter-Q4-2024.pdf) | r/securityanalysis | comment | r/SecurityAnalysis | 2025-01-09 | Z0FBQUFBQm5teE5QNmVnWjdxU2VBcXZHM0RWSG90YXEyTGtCS3BINmFPcFZOVEt1MkZMSHFNZDJsdGZ3Qml0SGZYS0ZCbnp5VFRkUzBKcXpHdW9DRDg3UVhsVUViLUQxTVE9PQ== | Z0FBQUFBQm5teE5Rdk9qVXhHb2JOVDhlRm5Pb1FWX1pWVW1rV0NsUkRhY2dxM1BSdVp4ci1DTVdPSmRPdWYwQjc4cGprZUFnVDExMXROWjhKQWc2OEUtQWt1Y2FsMFp1Zmh0ODE4VVhKVnE3V28zMUwtLTFzVG16QzFKMTFXY0JEUF9WZFlPdHBuZ0FILThINC1tb2VIdk8wNHI0LWhDVXo5VU1yazN6Qk5RaXhKT19tZ0FSQ1Z4RzhCS21od3I3bUdUY3BXaGFBMlBO |
Been reading and lurking bitcoin subreddits for years and years and finally took the plunge in early 2024. Started DCA and tend to for essentially most of my life. The feeling of wanting to buy is a borderline 24/7 feeling, I guess this is how it feels once you realize why BTC is so integral to the world's future. | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-09 | Z0FBQUFBQm5teE5QTm1MYXF1Qy13aVZwbURXVVpFbEtpVUFNOWlhRDUxdkYtRTd6NTRrd1E1cndONzRBTjBYOERwaFZ4TFJpWnBzdTN3Tk9Eb1pjRG0xZl9SVV9zZ1M0eGc9PQ== | Z0FBQUFBQm5teE5RZWxybS1odDB0Z2JLSjF3bFZvNEpaMFBJcEZPMHdSSlpJRzdaTlZFQWptSVlIQVhaVkM5TWFwNUVxaDBPM0I4cnlHY1NXcU40Q254Y1Foa3k4bjBIOXZDTDFTVU5lN2pjVmhZWFBrbkR4VWM3SFZrRC1EbGswYnRvT0xmajQ4Vk93WnZNaU9LRlBpUUZzTm41OEZNU2pKQktHTFdmeXhmS2dKOFR1MXFyb0JpcDV1N2s4RGthd0F5QW9BMU05b0d2a1RLc3JvVFB2VFhzNGV3WFhYUDV4Zz09 |
I've been trying to decide whether I should bite the bullet and pay for a financial advisor to look over my retirement plan. I'm 56m, spouse is 52f. No children, and no real need to leave an estate except hopefully to some charities if we are able. I hope to retire at 60 but not sure if I am in position to do so. Wife plans to work until 65.
I have always been a do-it-yourself person in regards to investment and finances. However the issue I find myself running into is that most of the retirement advice I find, seems geared to one person. So it will give you a number ("Can I retire at age 60 with $800K?" for ex.), as if everyone lives alone and just has one pot of money and one person to support in retirement.
In our case, I have almost all my retirement money in a 403b. My wife works a govt job and has a traditional pension. We both have relatively small Roth IRAs as well as some traditional taxable accounts. None of the online calculators or planning tools I've found seem to account for modeling situations like this, in terms of claiming strategies for one spouse's pension (survivor benefits or no?), how the pension may impact taxes, RMDs, and SS claiming. Also I had planned to annuitize part of my own 403b (I work for a school and a portion of my money is in TIAA traditional, which has limited withdrawal options - either a lifetime annuity or 10 annual installments).
Anyway, just wondering if anyone is in a similar situation and if so, whether they've found a good online tool to help model all this stuff. And alternatively, if they've worked with an advisor and felt it worth the expense. | r/retirement | post | r/retirement | 2025-01-09 | Z0FBQUFBQm5teE5QbXZqUEc1OEF0dXBIVUlvU3o2WTkzSGdXVDhYX0NhcVZYN2Y3aHBlYkdBM2NBRW0zS2JVLWJ3TUEySTJQTWdIUkdWb1hjcjlWWEFMeGxJX1RYY0lFT1ZaZDVRRkM1UUM5RlJCS0ZYZmIzbWM9 | Z0FBQUFBQm5teE5RdXpzS3JUSy1lWWVDak5JTWRhazdXdXoyOUs3Z0k1cmNLTWJOd0RaT0lZNlNscU83RlFxUi12MXRYZlY0R1FrczRFOXA3V20zdWFmTTlYOUlmZFU5VEZacjRsS1c3MTU0YVVqQlk0WkEzWm1kcUI5ZWlodVVLQjhSOW5SNHJZem1oRHZDU2l6emdsNjIzVWJpRlQzUUJLMnFSTnVQQ3hhcWQzSlUzU2J6YkVYWmFLWWREME9ZWHVpMjJNMUZRTG1w |
a 4-year RemindMe that I was excited to check, only to see it was deleted... whatever it was, if they were able to hold out, I'm sure it paid off. We'll never know... | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-09 | Z0FBQUFBQm5teE5QcVNLQkVab0pQQVdKY1A2Y29veld3VFpkMU9nWTQwTzZMaXpTYUZGMTBCaXJoOHhNZ2dpOGNCM1FxdzBYbS15RW5ia1V3dWl6WGl3cFJIR25Eam93WEE9PQ== | Z0FBQUFBQm5teE5RWFIwTzk3SlFvX3RMTlBBemFjc3gxY1hJd2pudWc4ZnByQlM5WmJsMEJKVVNuQkp6ck1QOFpqdHQ5Z3ctNm9HVmR5dHhTdTh4WlRTdWJpOGkteExFZGFXY01hVGwyV1duRzZmcGlZX01wVWhWQ1N0NHZ4T0prR2FPekhqN0lYak5Rdk4zZ2FZazRCbVdUMDBXMUpFLUtLVlRRQTM2bnpRVFd0Zm9BczBfTjNjPQ== |
Hi friends - bit of a background first. I graduated school in 2023 with *brace yourself* roughly $20,000 in credit card debt. I had no excuse for this. I grew up with affluent parents who paid for my college and taught me never to live beyond my means.
In my senior year of school, I found myself having a decent job and a somewhat financially abusive relationship, and I just spent way more than what I realized. To make matters worse, I live in a HCOL city, and was paying 2700/month before utilities for a 1 bed my first year out of school.
Fast forward to this past August. I started to become more and more obsessed with reaching my financial goals in the future. I made a budget and a pretty clear cut savings plan. I’ve paid down all debt, and my expenses/plan are as follows.
Remaining CC debt: roughly $4,000 (will be done in about 1.5 months, will never carry a balance again and only use cards for travel points, also worth noting I’m paying no interest on a 0% APR period, but point stands)
Salary: $97,600, take home is riiiight around $6k/mo, but it varies by hours in a pay period, and there is sometimes overtime available.
Car: paid off
Rent: $1675/mo, (2 bed w roommate)
Utilities: $150/mo
Subscriptions: $50/mo
Wifi: $10/mo
phone: $25/mo
Car insurance: $137/mo
Commute/gas: $60/mo (trying to look into company benefit for reimbursement)
After this, I spent $200/wk in groceries and any dining/ubers/dates/going out, and up to $600 a month used for miscellaneous activity. October was my trip to homecoming, November was Friendsgiving/holiday shopping, December was presents for my family and trip home, January is a hockey game with about $400 left over that will go to savings.
I’ve thought a lot about the 200/wk, 600/mo, but the idea here is that I still allow myself room to enjoy my life. If I dedicate money entirely to savings, I’ll have a very difficult time not cutting out a lot of fun things in my life.
There are a few areas where I reeeaallly don’t want to compromise on spending:
1. My apartment. This is the most important. I WFH a lot, and I live in a great area in a nice place that I love and maintain very well, I believe the value I’m paying for the place I live is incredible, and it’s important to continue to live here for me. Everything including friends are super accessible and it’s a great place for my mental health.
2. I really enjoy spending my time with friends/going out. That doesn’t mean spending $100/wk on alcohol, but it’s important that I have some money to make time for the things that I enjoy.
3. Lastly, I’ve loved to golf my whole life. Right now I can’t really afford it, but one goal that I’d really like to save for as I get raises in the coming future is a country club membership. They are egregiously expensive here, and this is really the only area that I care to allow “lifestyle creep”. I love to golf, i played with my dad a ton growing up, and I’d love to have a place for him to play a member guest tournament with me when he visits.
As for savings:
Once my debt is paid off in the next two months or so, I plan to max my 401k, max my Roth IRA, and max my ESPP. My employer match on my 401k is 6%, and my ESPP is a 15% discount on shares that I’ll sell immediately and deposit to a brokerage. I won’t be able to do all of these until I get my next promotion/raise (fingers crossed for November), so until then, my plan is to max 401k and ESPP, and when ESPP is sold to deposit in the Roth, and deposit the rest in a brokerage. The amount I’ll be able to save monthly on my current salary (including match/espp discounting) should be right around 4k
I’m currently 23, and invested in only the Russel 1000 growth index (and vanguard’s version of that in my 401k). I plan to keep it that way for at least the foreseeable future. As my salary grows, my intention is to fully max all three of the above accounts, and then once there is leftover, split the leftover amount between a high yield savings (for travel, golf, home down payment, engagement ring, etc) and a brokerage account and to continue to live on this $200/wk, $600/mo amount.
I know how lucky I am. The credit card debt was a dumb young choice, but I’m making my attempt to rectify it so that I don’t waste the opportunity I’ve been given.
How would you change this plan? Do you have any better ideas/suggestions? I don’t fully know yet how having a family will impact everything here, but I’d like to think my income will have scaled enough then that it won’t affect the basic strategy here while providing for my kids. I don’t have a particular FIRE date in mind, I’d just like to be able to live freely, travel, and pretty much do whatever I want in my mid to late 50s.
| r/financialindependence | post | r/financialindependence | 2025-01-09 | Z0FBQUFBQm5teE5QdzJURFlRdWc4c0tseS1FTWM0WUhXX1BQdVJ5NlN0Tm5lLUdaMVM1VEpndHNocFpERVRoWF9XWW5HWUpJZ2xOSVByMEtSVDhyZHRhaGRQakVlWTBEUWc9PQ== | Z0FBQUFBQm5teE5RY0hwb2NWMHlYQkF0Ui03Wm00M0x4RGpIR0dFalBCOVlKd3JXUDZtRXBzU2FWMmowNFo4bEh5RGNiWkwxWDBON1h2MEJEM2dkWVVGNXc4V1k1THBRRGhsWDJoZnpVbkl5aUc5d0JnaXE1QS1qRnFXaGt0NHRZWDdOQUhrU0dRX2xyWGRNbXZodmdtMzVwMmxSUjdpbTdRcXpCNFpoV2ZxODhCdFNLal9TQ25WMDVJWUIwaW92bUpKdzZaaTdvR2tYNldMODVOaXk2NkNkbXdKbDVFd2MtUT09 |
Microvast has just announced a **breakthrough in True All-Solid-State Battery (ASSB) technology**, and the implications are massive. If you’ve been following my [recent post](https://www.reddit.com/r/pennystocks/comments/1hvtdaq/microvast_mvst_a_severely_undervalued_opportunity/) analyzing Microvast’s business fundamentals, you’ll already know why I’m extremely bullish on this company. This announcement takes things to the next level.
# What’s New?
Microvast has developed a **proprietary all-solid electrolyte separator** using advanced polyaramid materials (yes, the stuff used in firefighter gear). This innovation addresses key challenges in solid-state batteries, including **safety**, **energy density**, and **longevity**. They’re also leveraging a **bipolar stacking architecture**, which simplifies the system design and enables higher voltage per cell.
# Why It Matters
This isn’t just another R&D update. Microvast is moving into the **pilot production phase**, which means they’re serious about scaling this tech. The potential applications are wide-ranging—**data centers, robotics, electric buses**, and even the future EV landscape.
# What’s Next?
Microvast’s ability to scale and commercialize this technology will be the game-changer. This breakthrough reinforces their position as a **leader in energy storage innovation**. If you missed my full analysis a few days ago, check it out for the full deep dive into their business, financials, and future prospects.
This is a pivotal moment for $MVST. The market is watching. Are you? 🚀
**Sources**
* [Microvast Announces Breakthrough in True All-Solid-State Battery Technology](https://ir.microvast.com/news-releases/news-release-details/microvast-announces-breakthrough-true-all-solid-state-battery)
**My previous MVST DD posts**
* [Microvast (MVST 🚀): A Severely Undervalued Opportunity Poised for Explosive Growth](https://www.reddit.com/r/pennystocks/comments/1hvtdaq/microvast_mvst_a_severely_undervalued_opportunity/)
* [MVST Valuation Doesn’t Make Sense](https://www.reddit.com/r/pennystocks/comments/1hhsrc2/mvst_valuation_doesnt_make_sense/)
| r/pennystocks | post | r/pennystocks | 2025-01-09 | Z0FBQUFBQm5teE5QZTZJVHNSbGtwQlV6Z3pjcHg3c0x4ZFlhTVVkcDNnajMwYnRHYXgwNk9tdnRIbnlMd01rSm1ZV2tpclF6bUYybWN6bFlDNXQxT19ic1hyR0phd3pqMkE9PQ== | Z0FBQUFBQm5teE5RQlJUUFA4RDNxU20wOWk1UllnSENnUVNRUXJxczA2azQzTElmMTBDUlRMSi1tdXVtVnI0Yk9ycEpvRWZGWk9OeU93eFNYRTRPek5LSkRocEVHaG1CR3BfOHcxUm95YVF4NnJ0R0twa1g1dk4xOEY3QzVhUy1TdWtaYUJOUmRQTXR4cTFVOHZyX1pBVWdJUTI0UnRoMkdrejB1NWtvd2xsWDVSZWhLTFNkVXNtS1VXaW0wMEViSzN1bkVDQS1QbWZh |
Hey folks - I'm looking for some resources or tools that will help with DeFi investing. I want something to help analyze the potential returns and risks of a protocol or pool. What are some of the ones that you use on a daily, weekly or monthly basis? | r/defi | post | r/defi | 2025-01-09 | Z0FBQUFBQm5teE5QNkw1bnJsRlJwRkpmQUlfUktlbEZac2J4SGNEUVdCdEQtSXlEOGJ3VFBMUXZrR0pYX3g2Tk1jZVByUmNPOEkwdlhJeXJhTFVfNEYtTHAzVTNXbmFrOVE9PQ== | Z0FBQUFBQm5teE5RdHltSkVsSFlBOEF0U24zMUJtanBrOF90U253YmF1YUR3NUQ4QzQ0NFlEOEhRanFVTjBNc3NjbXFDbTZLd3h6cHRyaU9ZQ0xEeGgzSGF2aTVIRFdkY2x6U1otWWpYLXFpeDZybFRlTWdBbEFIUEV6RXpOU1p2YUc3X1FsMzhCV2ZIUlJ5anRVUmV4b0d1QVptbjc1WmJrNVZ1aHh1VUl6bmdJSXdUQ0hEWmpZUHlfZkVfT2N0ZGt0ZFFXSkNtclUxM1FvV2pxYjkwZkpxWmZUZ2YtZ09SZz09 |
$25… | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-09 | Z0FBQUFBQm5teE5Qa2hjV2JTWF9oTUZlMVQ4cmowdUpxWVhWeVhqR1piZC14X3V3WXkyRzVwX0pKeklhbU5abVZRYnZwRDJzaEc4ZHBRVE9UcG10LUl3UV81bjFyRE1rVUE9PQ== | Z0FBQUFBQm5teE5RTW95eEpGZVRVMmNDT3RBbE9MTzBpOGgtdzhNYUhtNF95a3gxU0JLQUc3MC1jU2I4NWo1QzFPTmtXQk52djV3VmhxLVJMbkVTa0Ftd1ppVVR6LWtlS3Y5Q1gxNkxQYkRXbG1mQjBzb2F2cGJxN1F1ekMzRlBua2dPZUdKYlQ2RjkxMjkxcEZrTU03aGRTdC01aWdnV3ZIMHVaUC02R1VqQXI4Vm1YNkE4WlVxMDlkdzJRcmxOYmlacUpTTnVsQmZYT3U5a3U0dGF2Y3hHSFI1MmF6dldGeDFEeG1tT0JKUXBBTTd5SDR4Q2pLRT0= |
I'm wearing a shirt today that I bought (from the clearance rack) circa 2008.
I recently replaced a backpack from 2011 that I got a ton of use from. I was still managing to use it even after the zippers started failing.
My car has 117k miles and I'm hoping to reach at least double that.
I find a lot of satisfaction from getting the maximum use and value from the things I buy. I'm sure this group shares that appreciation. I think it is one of the qualities that enables us to succeed.
What stuff have you bought that just keeps on giving? | r/fire | post | r/Fire | 2025-01-09 | Z0FBQUFBQm5teE5QbUFmV2Y2bzJPSlRzblNfZ1lLeUlEa0xNLXBJeGxYb0tZUU8tSi1Zc2ZOaXQxcnpMWmNhQ1EzWV9pNEhxTmZBWmVrT3lUNXpqeFNXdVV2Rlktdi1uY0E9PQ== | Z0FBQUFBQm5teE5ReXdCbVN2MnJBNFBHdkJZZmVZSjRsQkMxTzEycHJuNDhzZ2FmTURpMzQ4bzhTQ0NDX2wwSk1LU1BJOVRHXzE1TWZCY0ZUa0R5YjMtWDNFQWxKV2ZLdEtjTHRGOHVQQ09yNFlsZm0weVZsa3Q3OWxPRlhTeXVfTW1ycUl3NDhnaldOSU50c3BjZXV1c3dIS0I3SEt6VUNEWFY0c1ZpWlpKT2JFNy1vdUlpcW1DSGNxZU5kVjlha1dvUnl2am1SVWJj |
Barry is back!! Let him earn you some money!
New spin on an old favourite.
After market crash and peer pressure from community, we lost our way for a bit but now we're back. Trusted devs and loyal community!
CA: 0x4E0c96B89778C83c69034270766ae08b06824b8C
Tg: t.me/BankerBarry
X: @BarrysVault
@BarrysVault
#BankerBarry #memecoin #BSC #BarryGoBrrrrrr 💸💸💸 | r/satoshistreetbets | post | r/SatoshiStreetBets | 2025-01-09 | Z0FBQUFBQm5teE5QQUFHOGVMLUo3SzdOalZXcFBFcnVMSklxN0tnNnloNFh1dFVYbHNwZ1FNMjNBeDdERUdVMkZRZlBDdGRBRXpNZS1MVk1oVm8wWmlhY0hWVjFFaERucXc9PQ== | Z0FBQUFBQm5teE5RcDNVQWdHVlNzUDR5b3llR2EtVXFNek9TM19UTFk3VzJwZ1VXdGRJelN0WThuWUxMTFJtMFRITWExYmlVazloeDZERVNlaWtPYUstSTdfT1Yzc21JWkphbm9HRHF6TWh4bmEtWkFtQVUxOFZpLVQ2Y1R2UHowTjVvODBNYzg1Mkc5U2FOZGpDbXlVRDBTQnV3ZEhoZXdJZzFCMmZNT0VUdjQ2RmZrUk5SUHVjd0hzMzY4VF8zZE9IMm1xZ2gyS2R4 |
One of my concern when developing with Chainlink products is that it's a black box with an unknown list of nodes providing services.
I can easily find a list of node operators for Data Feeds and Data Streams. But for the rest of Chainlink's services (Automation, Functions, CCIP, VRF, etc.), I'm interacting directly with Chainlink as an intermediary.
AFAICT, all aggregators/proxies, subscription contracts, payments contracts I interact with are centrally-owned by Chanlink. When I look onchain, every customer is interacting with the same Chainlink-owned contracts. I'm assuming they pass on that info to a network of nodes/oracles, but I can't find the list of nodes.
It's a black box. And maybe I just don't know where to look.
1. Is there a public list of active nodes used for these services?
1. How does Chainlink decide who goes on that list who can also interact with their customers?
1. How does Chainlink prioritize who gets my requests? | r/chainlink | post | r/Chainlink | 2025-01-09 | Z0FBQUFBQm5teE5QRTYwSHFmNmZQZ0FHTE05azRHSXE5OE9DOGlfV01WZTI5SEtqRDlUb2g0VlY5SG55RHU2VzRaa2NCWlN6c3ozU0tuUkpYUHNHRmozcE1HRGpILU80bFE9PQ== | Z0FBQUFBQm5teE5Razh1My1nSGEyclRTMWljU3lPcjdvTy1pbXdXcnJUTlUyNzJFc21vQjNYZkt5alJzc1F4RnVGUDVnVnFOdGdwNEpicndmRUczcDM0YklqUlFpZkkxWXVscG8zeEJRSzAzVzFCdTJoRkNPWHdhUmRwZnVhTmdWTHRDY2Rpems0MmJNT0hoQjlaWnV0OWVRQjlQejE4R1BNNEVxaEFlelJDdVVjdDUyUWNjWkFHQWhUQnRQQVdabnB6U1VVczc3eVNsQlRtbDRqRjhBYTJkbXNqelozMTRlUT09 |
Posed this question on Baystreetbets recently. What Canadian stocks would you buy and not look at for a decade with the trust they will be in a good place? | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-09 | Z0FBQUFBQm5teE5Qc0wtblhnS09jNWwtYkFSUUk5UnZkTzJfVnYtUDM3VXpwSXpha2R6Z3dFeE1FRHFTWVhpYmpYc0d3ZHlFVnZrTXlCdUJock1fMGxXOURSTjVZekZhdVE9PQ== | Z0FBQUFBQm5teE5RYmFuY2g0ZGJueldjLW9fbzZiTWlOaGJVU0pwZDg1d2drR2JSTW1GTmpWTkU2dVpVRGpsUXhCMk5fdC1OaVBjT0pyLUNwd1JDOWVnczhEcDVCUDZXY3VUd1FlRW04MXdkaXAxa2p2QnY4TTAxX096eXNuLTVMSFdQek81SUE0VFpQelFwRXMxLW9rSFFqYmp6c1pmNW8ta0JHZFJYZV9mU3JBUW9CYTVuTWVZbFlWbmdiR2JnS2VtckhpX205SVV1YTExSEVGLWJuRklQN1Y1MHM2bWZ1Zz09 |
ETFs are increasing ubiquitous—cheap, easy to buy, and they spread your risk by tracking entire markets. But is there a downside to everyone jumping on the ETF bandwagon?
Some concerns that come to mind:
1. If everyone’s a passive investor, who’s left doing the homework on individual stocks? Could this lead to less price discovery and more market inefficiencies?
2. ETFs own increasing chunks of the market. If everyone owns everything, does that reduce competition between companies?
3. What happens to the markets if ETFs start unwinding during a crisis? Could they amplify the problem?
I’m not saying ETFs are bad—far from it. But what is a sensible investing strategy for each individual may have compounded risks when it becomes *everyone’s* strategy, no? | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-09 | Z0FBQUFBQm5teE5QdUtpaGxWVFlLb2lYTXBuRWtLdEY3bEZLd2dSNU5FSmJDa3JFV19xZzFsdk9yZlBpMnVUQV8ybGNlRk5KQjc3S3AwWC1JUWpScWtjMHpmeTJURXBucnlUeF9Qb0NuSFVPNUdxenc5QlZ1ajA9 | Z0FBQUFBQm5teE5RNHhKVVEyVUhwYVhlNVdWTVc0YUc1M0VzbzRQbXJXeEFUSHlwdi1IWnFZaDlnblo3SXFWWFQtQTk4bnltb0pOWUY0cWV1Q0VIcldBUEkxdU1QNmNFN1l0UE1qeDZDdVhteW9PX3YwdnhGV1Ewc1JCMGE0WlFETURlclY5X252VC14NE45RFpKV0NmM2I5bFRLdld6N2otMm9uM3ktdEhfcEVHVmhVZHkxQkZDY0FyTEhQVUIzLWNsNVR1VVdVUWJXLUFUMlJtYTY0UENrRElVM3d5alJkZz09 |
My parents recently inherited a $1M home and are debating whether to sell it or rent it out. Here are the financial details if they choose to rent:
* **Annual Rental Income:** $32k ($2.7k/month)
* **Taxes:** $7k/year
* **HOA Fees:** $2k/year
* **Insurance:** $500/year
* **Property Management Fees:** $1k/year
This leaves an estimated **net rental income of $22k/year** not including maintenance.
The house is in a very nice neighborhood with potential for decent appreciation over time. My parents currently have most of their wealth tied up in the stock market and are considering keeping this property as a way to diversify their portfolio.
They’re weighing the pros and cons of holding the property versus selling it and reinvesting the proceeds in the market or bonds.
What factors should they consider in making this decision? Would you recommend renting it out or selling it?
Appreciate any advice or perspectives!
*******
Update: Wow. Thanks everyone for your replies. As I mentioned in the comments I clearly need to re-examine my figures but this gave a good framework to think about and discuss with my parents. Sincerely thank you all.
Next steps for me:
1) Update the Numbers: Get an appraisal for the home value and the expected monthly rental income, talk to insurance company about renters insurance cost and look into city taxes for secondary homes
2) Set net income targets: Discuss with parents what their target return is/the opportunity cost of holding the home vs selling. Unless my numbers dramatically improve then I will push to sell
3) Sell vs keep: If the home doesn’t meet the target return then sell and either look better opportunities or invest in the market | r/realestateinvesting | post | r/realestateinvesting | 2025-01-09 | Z0FBQUFBQm5teE5QV0prdzRFc1BoWk9BREZ0Yk01bjllaXhoSHJJRnJENlJUQUtSMV9ONC1WdVBzdHQ4a3padjAxYmJyNlpHSGF6LTlwNVp3dHpEbTA1cy1JeUFTN253dEc4V1VEZGxzc3ZuSTVOSmkzbGdqVUE9 | Z0FBQUFBQm5teE5RSWdsdDNKaVBZYWoxVjIwS3lGbjFSWHFGZ2gxMXhaMHN0WVlBaTJ4UUFMZmMwZGI2TEd4QURvTzZKcnRodTFtTEpiSERCRk41ZHNRQ3BBZHJfRDdzbzI0RjVXYXU4Y0tWY1VNWWZ2bXo2M3czeWhtbEJUQmFpVUdIc2FoSzRaSU5WQWMySVBMSGl1dDFOTnZ3cWdLdGVlMUliZFRDVFgzZzVWZlZZX3paY1JnWEkwUXE3ZXV3UFcwNVg1aVQ3eVI3RXBHTEpzd0lVRnNiREozZ1ZYdG9zZz09 |
I'm (47M) about two months away from walking away from working my corporate job, and I've been working on my list of things I want to do, after work. I signed up to attend an event at the local community college for adults interested in enrolling. As I scrolled through the list of programs, I saw several that I have always wanted to learn, auto mechanic being the specific example. I'm curious if anyone here has taken a job post RE, but not for money, just to learn/practice learning a skill. I'm thinking of something like Les Schwabb or Midas after taking a few classes.
Drawbacks could be that its going back to limited freedom, having a boss again, repetitive nature of the entry level work, etc. balanced by the value of learning and growing.
Any experience with something like this? | r/financialindependence | post | r/financialindependence | 2025-01-09 | Z0FBQUFBQm5teE5QOU4xZzUyY096enhzOGtBMzUyWDlELUlWclpScGlPVXFCQmdvY2FSaVBqUE41OW00VmtlLXFua1lKOEZuWE5ieENIcGllRkNDWkl5OWItVmQtNU1qakE9PQ== | Z0FBQUFBQm5teE5RWDc5WHdCRHRjOUtBXzBzYkNrRVhrZVFMS2xvZUxrTjdZVERLbmRxRHZ1MnFWQVhBZ2Q5SlFJZG0yYnItbFkzeWJzRk96MVB1clNWaWJZY2tVcmJZdk9yYVNqN1ZzZ1RXb0E0TDFSUWl5bEFXVUFGWEtfT2tLenUxZlRhYmZBcF9WWWtSdXBNWjB3TDdPS0ZXLUFvQ08talRJVzVTVkdGdG1QdXNReEsyZHJvZXpHRFlHeHBRTEx2S2N4aEEyeVU0RjdfNnZZaGtmUkpWd3lNTXdqTWRqUT09 |
Everytime I do a rebalance exercise I am underweight international (currently 11%). Institutional materials suggest I should be around double that. Problem is it means dropping what have been better performers (ie US and CAN) in recent history.
Under what realistic conditions would an international broad market ETF outperform a US/CAN portfolio in the next 5 years? | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-09 | Z0FBQUFBQm5teE5QZU5kbWJIZjFIZHU5ei1ySjVWSVBsX2lXbU1EWGJJdDlEa01BZC1aUDF2Sjl5Y1dWNHMyTUljQzdIdXFWWW5vdDEzTE9WODZTTkc5Q1pYd1lPLVcyLUE9PQ== | Z0FBQUFBQm5teE5RUG9PRXJTOVAtbEE5VlVGUGlNUFcyaVJrSGhua29odkdUaXpDQTQwWS1PS2IxVGNDUnZqaU8zSHEwLWJiaW1jZHFZN3JjeEdUaDFJbk1vZlRHdlBhTXl2dkQtZGctYlV4UHN1Nld0clJycjVJcG05VWFmT2hVd056SmRJem1wRzNrMGppX0xkeFQwdEFfZ3pqZFJiV2l5Q3VTaGFBcGZnc0JBOVJnbVlxTzZJdnNmYXhnSjFheWJ4aGhSanlNWmhhUU1CVGtNMEFYTzFlblI5QkdmUzMyZz09 |
Apologies if this goes against sub guidelines, please remove if so.
I posted this to another sub and I’m just hoping to get some varied opinions on the post above.
Thanks all!
“Over $374k in stocks - should I sell covered calls?
As the title states, I’m curious if I’m crazy to want to sell covered calls on my portfolio.
I have some solid gains in this account (+$162k) and have some concerns with capital gains if I get assigned.
I also recently decided to take a sabbatical from corporate life and raise my newborn alongside my wife for a little bit so this would be supplemental income for me during that time. Wife will continue to work.
Notable tickers I have over 100 share of:
GOOGL, AMZN, MDT, META, MSFT, SBUX, TPR, DIS. Taking a look at some premiums, they look pretty juicy for income generation.
Any and all thoughts, recommendations or criticisms are welcome!” | r/options | post | r/options | 2025-01-09 | Z0FBQUFBQm5teE5QQ2I4VGczeWtNODRBNDU4X2puZzFOdkNIR2ZvMlgyajQtb2Q1ZndpZVA0ckppeDNNV1RxQmRCbzltTXNabnR2OF9ubmZyODhFWTRKdHh4X2ItYnBrMnZ0ZFVmMXF1cG44T2Zpb21oWTlJd289 | Z0FBQUFBQm5teE5RQ0ZOUU96VHhRaHc4ZjRKYnRzaTRsVHA4WjA5TDhVUGl3VldRcTVEdGJVN0VsTEVva1JoTXdNTFVLNUpKcXNyUWZna2hDRGlGUlI1YS0zODV0TGdmZ0ZtZXEwcTcxQVhQTU0xNjcySTVPdF9DcEhTN0NLOUdQMGVta3FvYjZ2NHVLM0JoU1FNUG5pN1YwTXd6dlJZVEZRanZaTHhzS1ZscW1yb29jNjJCZVdEMVJjZnV1VlhNLTJzZ1I4S2IwTjB6WkFZZ3ZoblpnRE9KYS1vYzhBX1c0dz09 |
https://professpost.com/nearly-50-of-credit-card-users-are-in-debt-facing-months-or-even-years-to-pay-it-off/ | r/creditcards | post | r/CreditCards | 2025-01-09 | Z0FBQUFBQm5teE5QQTJXMjRNM2xUbm4tcGxfSzhmR3RJVkY5LVBUbWNXSmN6ZWNxeGdSTTEyNzU1ZFd6em9uNFdPLVZ2MFA3Z3JxRTJrOGJDNnByUkxVeFJJMlVZU0dvOWc9PQ== | Z0FBQUFBQm5teE5ReWo0eGpqOW85MWxfZFd2UnVKOVRLUzlOLUVIcnFpTWUyOWhOVkVKN1NseEthcEU4YmIyY250Q3dNMWU4LS1kdUc3dUZjNm4tTzJsSVlIWHkyd2R0VzRJVjFuODNSYXFreGpDQVV1UHVtMlFoaGprVHZlSTZnZ1RtajQyZUozUG5MZkxxVUVmb0ppTTlUU2ZvOFlLRmNLcnBTRWp4SzFuV242cFRDUlF2Q1UxVGVZZ2ZJelBSSFdJZmQzMzBlTGxZZF9uSDY5eE1LQVRTWWpxOW1maXJ6QT09 |
Have you seen what 2021 looked like at this point in January? It’s identical to this dump! Then straight up.
If I could add an image, I would and show you, but this thread doesn’t allow images. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-09 | Z0FBQUFBQm5teE5QRlRxX1lOdlhYSnZkYW5DQXZGZWV4QlphOUdyLVlBUGJkejdCYU1UUERtZ3RFUkJPMTFxZjMzc0g2VktTaEowUFdnZW9WYVpjR1M4ZTczakVWdmVQU0E9PQ== | Z0FBQUFBQm5teE5RX2Y0cFdTdll5dXNkRlM2WmphNUFhWjE3TDcwMVN4ZTkycnh2VXJlWkdtVFlmWi15Q2pnRmN1WnlmV0ptVGFmbkJkSUNvMGV6QWJLRVhObm1BY3dHMmlJdTk5aTNRNUVLZHNSc1JOU1hVVEZmOVUyX0Rkc1dUdF9Wb21jU2x1X2VzRWNNLTlwemJGM2lyUENZT19IcUVfdmhaQ05LQ21VQ1hFb0Y1YmJtb2ZTNWhrOGctSi1MNW5FQ1k2dC10VDlo |
Real. | r/bitcoin | post | r/Bitcoin | 2025-01-09 | Z0FBQUFBQm5teE5QcjhqeWZMeWJ1VU83dGhVY3YzdUZlNEY2ZmVkT0hPN09yaVlMQzBjX0lwMG9HSnFYdEJlRnJsUDJ2UUJoUTMtejNqZlZrb3R0VlhfVldKQ3JzbHVaemc9PQ== | Z0FBQUFBQm5teE5RYmFGWERXMkpWRzlaZV9mQzNBVDhTVkV2Y2JIZE9BU1J5NkVMVjZPS1JFUU1JSXV5MVJiZUNmMHFEQkt4Yl9maUFveXVRSkhoVGdMX3F3eFVoalh4SkttQXRLYmpIbkZwc0pITWxUMS1JdTlHbURhdzF4dTk5Uml3UGFEcm5ha1c4aE5UQnhDZkUyWmJYcnNzTGZXNTJRPT0= |
i never gave enough attention to staking. yes the upcoming big coin unlocks i think will not be good, but in general, the more sol you stake the more sol you get. this means there’s always pressure to buy more sol. in downtimes, there’s even more pressure to buy sol because you’ll get more sol to stake. yes the inflation rate is high, but if you are in solana long term, then the higher the inflation the higher the pressure to buy more sol so you can keep staking more to get more sol. | r/solana | post | r/solana | 2025-01-09 | Z0FBQUFBQm5teE5QZFo3OXBMNGNfMzMzTEMtazJjRldabDgydmZoTmNRTmpURFg3a1NTNFlZX3p3d2FfaWl3OUdLSU9kbklzaWZvY1dOSnd5akRwajNteEZqS2R5X0M5VG1kMXhVQWFGSHZRdk0teXZwVXBLWms9 | Z0FBQUFBQm5teE5RRXNUbEgxNndzLWJXeFR6OXNGRG8yM1BzRWVINDNhOVZGTkEwSEU1TTBfMDVsQy16STY0ckJ3RFg2c1ZqSF9Hd3lIUTBLbWFsTDFvczJLVWx4aDNnY1c0X3FGMjItMEpNSzRUQ3h4U2JkakVKdk15enRNd1JkMjdHYmsyOGd1bTBvX0ptd0puN0pMcU5yOGd5QVNTNzBJN2RlaHh2NGh5S2wxdUNlQnFLWFpCZ2c1eV96Z3F2Wm15YkxEZnF2TlpzVWlyVWxXN3FIU1RueVFHV3d1amZUdz09 |
CMC https://coinmarketcap.com/dexscan/solana/B512toXCdkEZC7UvgNQpQLjTUGTpYVMJtLBaRVB6i72i/ | r/altcoin | post | r/altcoin | 2025-01-09 | Z0FBQUFBQm5teE5QVC1LaWxlaXZRNWNIVDJkZmN4Q2dXcFNFN2ExcXlRYmRSTnpnMmsyV2hlY1VlUUtsb3U0SmllY25jVEFnREd6MklBd0VfYm5DYkcycFZVRGJpMVJZNnc9PQ== | Z0FBQUFBQm5teE5RaWgwVGx6MHRVUHEweUxKMXhPNkotejVjZ3lSZTBFMG96V2RublJqcFJKT3lfUHpyYVc1OWRvQkthYmdhTENTMmo1eUM3dWxreHpFYzBkTmJ4VHN4bVdfMTd3aWQ1Vk5YMnhfMkRYOTBoQ05mS2lvWHlGLS1EV1FCOTJscC14R2xkSFEtaUhmajJlS1NGT3lXcXZUMS1lRFJ5UEd3UWJfNkxPQWREYkUtTVZtRWQwa2ZobHRrYTRVUGFlbXVBY1l5Mkl6V2U2RDk4OW5UVWtjS3NObjExUT09 |
I recently drew a plot comparing **Bitcoin's cumulative daily percentage change** across three different market cycles:
https://preview.redd.it/vlg3vpoa51ce1.png?width=2379&format=png&auto=webp&s=741af948228081c0ea76452888f5b51de645577a
1. **Oct 2016 - Jan 2017**: The early phase of the legendary 2017 bull run.
2. **Oct 2020 - Jan 2021**: The heart of the explosive 2020-2021 bull market, where Bitcoin surged from \~$10K to over $30K.
3. **Oct 2024 - Jan 2025**: The current cycle (ongoing), showing relatively flat growth so far.
# Key Takeaways from the Plot:
* The **2020-2021 cycle** saw the most dramatic cumulative growth, with Bitcoin nearly tripling in price over just three months. This period reflects heightened institutional interest and mainstream adoption of BTC.
* The **2016-2017 cycle** showed moderate, steady growth, signaling the start of what would become Bitcoin’s first major mainstream rally.
* The **2024-2025 cycle** so far has been relatively quiet compared to 2020s. This closely resembles pattern seen during the 2017 bull run over the same period.
Should the current cycle repeat 2017's bull run, where BTC peaked at end of December 2017, we can expect a market explosion latter this year.
Thoughts?
\#Crypto #Bitcoin #BTC #DataAnalysis #CryptoTrends
I recently drew a plot comparing Bitcoin's cumulative daily percentage change across three different market cycles:
* Oct 2016 - Jan 2017: The early phase of the legendary 2017 bull run.
* Oct 2020 - Jan 2021: The peak of the explosive 2020-2021 bull market, where Bitcoin surged from \~$10K to over $30K.
* Oct 2024 - Jan 2025: The ongoing cycle, which has shown relatively flat growth so far.
# Key Takeaways from the Plot:
1. 2020-2021 cycle: This period saw the most dramatic cumulative growth, with Bitcoin nearly tripling in price in just three months. The rally was driven by heightened institutional interest and widespread adoption.
2. 2016-2017 cycle: Moderate, steady growth characterized this period, marking the beginning of Bitcoin's first major bull run.
3. 2024-2025 cycle: So far, the current cycle has been relatively quiet compared to the explosive 2020 bull run. Interestingly, it closely resembles the 2016-2017 cycle over the same time frame.
If the current cycle follows a similar pattern to 2017, where Bitcoin peaked at the end of December, we could potentially witness the peak of BTC in the third quarter this year. It’s fascinating to see how history might repeat itself in the crypto space.
What do you think? Are we due for another massive rally, or is this time different?
\#Crypto #Bitcoin #BTC #DataAnalysis #CryptoTrends
| r/btc | post | r/btc | 2025-01-09 | Z0FBQUFBQm5teE5Qb21DOF9SX1lMQzQ4R3lxZUVsQUdrb0VMOWFESzA5VWtJYUFqNVQyTDhsNGlEMWVtWHZxckVQbmVqdGNBT0JUUVVJLWIxYmd2T3lTWWxqSVpISVc5N1ExclEzUXUtZDEtOEd3X1Z2aExjNDA9 | Z0FBQUFBQm5teE5RWnFYQnpDeE1nOHhXRGxkVmZ3WkZLaW4yY0J5TVlRcW1Lckdrd0d1VVlQT2hrWGRlX29wTUwzYlRQaDFGV1dhdWJxTXByVHRvUWIyZ2F1M3gxczAzSzJvN1BOZThVUnF2VU1Mbkd3ZEZxNkFaNEdwYWRnQVZsVHppaEg4dlRYaVNQQ3E1UkZpRjRnYzdkMy1Bd0lBMEtHSmcxTUhjclJ0TDVYWmt4U1VQc3NUem5pWXJyVWcydnYzTEIxNWtqc3c1 |
The part I don't get is how it turns it into much more of a job. Take flipping for example. Sure, I can be project coordinator acquiring the property then utilizing a general contractor or subs. (Then listing agent.) But since I have enough cash to do this comfortably one at a time in my city in the Midwest, why would I ever want to use a hard money lender?
The only thing it seems to be is the ability to scale more quickly. But at that point, it seems like it would more of a full time job. I don't think I could focus so much, such a higher level of attention... I feel like I would start making big mistakes.
One real estate investor I highly admire mentioned that he never uses his own cash. I don't understand. (I'll ask him eventually.) | r/realestateinvesting | post | r/realestateinvesting | 2025-01-09 | Z0FBQUFBQm5teE5QWVpXOFBiSFhrWmxITGZ6S182VzdaQ1ZOaHhudHVIUm5nMlVIdXczanJxSjQwd1VHVjhZMm9ibUlNa1NITmlmYWFaY3lHMmxUVjd0WlZKeW85c1VhZlE9PQ== | Z0FBQUFBQm5teE5RdU9iYTNYNEM2dUVjT2RUX2V6ZG92MzhPN1J0dzZieWg1SHFhTkN6eWptbTV0OHBmM1hMTXd2M2VaQms3VVlhRU41QVVFaHB4LWxhbDRtdzVIczVlS2RYekdEblpkcDh6eGdWNGRiRlItVzJPRTBlRWNfVVRyWDdmS2pqdGFuTnh2MTRIN2JNcGlCZjdDeU9iLXJ0U1pSc19xbkpMUG1JSldYemlaTlFWWFk0elhybm40ZnpRSTNES3YyTGZwYkFEV1FuTXBJcnJWa09XamVpek1XVXlFN2VkbzEwcHFFQmJQaXV5My13N3E0MD0= |
Where is the Arweave community hanging out? Seems like this sub is dead. There's a discord for devs, but otherwise not much else. We need the community to post on Kraken's X account and remind them to list AR. It's been on their roadmap for too long. | r/arweave | post | r/Arweave | 2025-01-09 | Z0FBQUFBQm5teE5QazZPUkdad2tadjVCR3ctXzZwLXYzMTJEY2wxZi1ER2FPX2VUNXlrTkJDN3IweW40bWJWby1tSXlqWENaQWFOckFpS1Q2VUJMLW8zeWVtc3Rkd2pES2c9PQ== | Z0FBQUFBQm5teE5RWGNDaVlFeW1Cci1vYng3VE41dmNzS0pfcmQ4eS1sWjZUek5jMjByMlZmTkFwVFV1SGozMGU1dUsyX3RVb0FQVl9pbzNsamc2WFV1Nlp1ank2b0M4Y2pscWtHZEV3bExHMWRGeXpkWHAtSUJfdHNpMXgzUGk5bjlMOFVpVGVvTzdwdS02MWxnZkI0a2ktWl9xbU1iNzhLcVJtVmdLR3dtb2F2M0U0SjdaOGlvPQ== |
r/options | post | r/options | 2025-01-09 | Z0FBQUFBQm5teE5QVUxkSlNld1NGcUllQjNIWE8zdGJ4bmxCY1h1SEYwV2lFeFJQdk1ZUndZNk5oS2dzMXRVSXpmM1Vyd2xPdW4yQkJMQUcxWGdRQUJ5ckhQYkdWdVFod3dzZEdKcHFhV00wOXpKeVhsZ0x5OE09 | Z0FBQUFBQm5teE5RdGNpelFveEs4N1FyX2xpU21kN2dXR1Nta1VLTmUzZTVURS03QmVOek9NMjR2Vno5WjdWckNLcVdpMTNWVE9LZnRPRDU3a3ZZV1hqbW1zNUN1WnJFNEF2OENycmp3TDhxWHhBRmRqWDJYWE96Q0RnREZ2dWRJNmZvbk1jYXUxQUgxdDIyakM2SVJsNGY1RGZ2TVcyQkZQeEJRaWhtMEg3ekU3Y1VEN0xZMGFnPQ== |
|
Can someone tell me why is it dropping so much? Is it normal? | r/bittensor_ | post | r/bittensor_ | 2025-01-09 | Z0FBQUFBQm5teE5QNnE3WkZ1c0Q3TUpMbmJtOTgtZl9xNlJUTDMzeVFuNFBGRXl1SkFkeG51YTRBbDJISjJkVTNhdjJ6cWZoVUxlNlpyVVJFal9BNURpNDZKOHpJc1Vya0E9PQ== | Z0FBQUFBQm5teE5RNjZramFORG0zb1duT2tyT1E4bEd2bmVRX2k1MzlueDg3aklFbWR1WkRRWHFMRi1BQlBSdzZzdDBadGJ5U0RYR2tnOUJqeTBlNlJDYlpmcXl3eHhvNDkwWDZkYjJEd2lzU1g1aXprX0h3ZG51UTlFNnlXcDJrbTFSMDNSQkFRN3VLRUdiRUNaZXpnVUY1UFB2amQ5UjIwa3d1QnMyMExtcE15Q2dacjV1VjBnPQ== |
I can’t see this space being useful especially for the next decade. What’s the reason for the hype? Filecoin will never get CLOSE to its ATH because of its market cap and it’s practically useless. Am I wrong? | r/filecoin | post | r/filecoin | 2025-01-09 | Z0FBQUFBQm5teE5QUXFrTlUyTHRaUUZRMGdZZ3pqbExIbHZXT212T25ZTjVxXzE3bm5BMGNBZDhfclVrUHp3bDlVT1dJdVhTZWhTcFJEN25GMm9tdGk1eTRKbl8tYmgwVGc9PQ== | Z0FBQUFBQm5teE5RSVRmYXdQLWFFaWY5MlRqN2t4R0hvc205LWlsSWZTVDRiWk1IUmdBdnhFWi1jV1ZYVV9aeU9sUjYwZnVyT3cyT3ROOVllN1BCZXB3QTJoV0dkQTN6aDNuNDNUR21SNVJNcjdFOFBHT2ItaEIwNnV5YXpoM2FrSzY2NkJSNkZkb2RVRERzV3hPZWg1Wlg0TmIxMlJxZUEwMXUzSDBycW1oZm9HUGF5MktWbE1YZllwZnBjSjcyZlFTOG54VnAzbXdT |
Thanks for posting this! The Akre Focus fund recently published its semi-annual investor call: https://www.akrefund.com/semi-annual-investor-call-replay-november-2024/ | r/securityanalysis | comment | r/SecurityAnalysis | 2025-01-09 | Z0FBQUFBQm5teE5QY3c2b2d3dzY2TjBweUtsUmt0SVN2TWZPWGVCTnVJZG1qdmdkSjhPQnA1aXZZWnN1NFBYUS1UcTk2ZFd2TnpxaVEyWHZoYVowR1NuZ1hxeGZYei02a3c9PQ== | Z0FBQUFBQm5teE5RYTVlMGowNS1YR20tOWZydURydG1rTWxqMmRVczhzcF9tTEdYaVpXdlFhRldfQndVcXd5c2xrTm9KN2NQMDFkU3ZTUFZZSnFJSmNXWXQtYktDR1pGcVN2azZlV0hYMGc1cF91Q1NVb1Y3eWJ2UVBfeDIybDVsS3JaSDRWZzM3Yy14elBMT3ZvNmpmRkZ1ZTBNN2xnRmhOeFB6TlItWkppYnRILVE5cC02SmFZY2xuQkNzSTBPMFVlMDFrMExrUEdU |
Today was one of *those* days.
My park manager is out sick, my cleaning crew, everyone’s been catching this bug going around. My two maintenance teams were cramming the finishes on one unit wrapping up all the last-minute flip details, and I was in another unit, cleaning it myself for the new residents who were moving in.
Not exactly what I imagined when I got into this business, but hey, it comes with the territory.
Anyway, I was showing the cleaned-up home to the new residents when one of my guys pulls up and says there’s a problem. Lot 4 had flagged him down to report that he heard a dog barking and two kids crying in a unit (Lot 3) that *doesn’t have kids*. Red flag. I told him to call the cops and let them handle it while I finished the walkthrough.
Once I was done, I went to see what the hell was going on. And of course, it was a mess.
Here’s the backstory: a couple of months ago, we finally evicted the residents of Lot 1. It was a long process, but we got it done. Instead of, you know, moving somewhere else, they decided to crash at their friends’ place in Lot 2. Obviously, that’s not allowed, so I started writing up infractions on Lot 2 until I had enough to evict *them*. That got finalized last week, and now we’re just waiting for the court case to start.
But apparently, the Lot 1 crew didn’t get the memo to lay low. Today, their kids, who by the way, are under 5 years old and were left *home alone,* decided to wander around the park. At some point, they found Lot 3’s door unlocked and just let themselves in. Lot 3’s dog wasn’t thrilled about this and bit one of the kids.
So now then I had cops, an ambulance, and handful of park residents standing in the road trying to figure out what just happened.
To anyone thinking about getting into mobile home park ownership: it’s not just spreadsheets and rent checks. Some days, it’s babysitting, calling the cops, and dealing with dogs biting trespassing toddlers.
Happy 2025! | r/realestateinvesting | post | r/realestateinvesting | 2025-01-09 | Z0FBQUFBQm5teE5QNUlyNkpvTWVuZ0hDeHB5RzRwUlgtV1JET3BvakJwN0lfM0FfMTBQellyaXIzSG5ocDY4SmE3RG9JRjJ6UXZKX2NsRHpWZ2FzMVYzY3JZc3c3RElGY3c9PQ== | Z0FBQUFBQm5teE5RU2pyRExyQXY2OUd1NU1FUUdrcHVtNC1YUjlsV2pac3U2ZW1SdTN3SU5vOVNEOXRlSWJkV1ZYQlVEZWVTMVlIOEt3ekJGQ3I3VUZWeWYtaXRuWWdoVno2dXMwYkU1cEw3UVdoQ3NvTy0tR3o2bkRCZXVON2Q5Q3dyWjhIQzFpNVRqYnVFTG9sTkd2M0ZNM0RoOWpQTHBZWmNHMTA5ZjNkd0Q5TnlIMkNmand0cUVfNC1ZN0lCcVpmVjg4SDM1NzNOVEZRcWRIN2IzR0d0Z09rOTJhc21tb0NrWW50aTN2d1A3YzVESzFyZTRTdz0= |
I am stating on rental properties in US. I spent some time in reading books and watching videos. I want to validate few things so that I know I am on the right track -
1. Cash flow on the rental properties would mostly be low or even slightly negative in the first year and it will gradually increase over the years.
2. The main gains in the initial years are due to being smart and leveraging all possible tax write offs
3. Property appreciation is a major incentive and rental investment should be looked as collective gains due to appreciation, tax write offs and cash flow
4. It makes more sense to get the mortgage even in this economy, when you can easily pay it off with the cash (I have some doubts about this)
Please let me know if this sounds about right. Any suggestions or pointers would be much appreciated! | r/realestateinvesting | post | r/realestateinvesting | 2025-01-09 | Z0FBQUFBQm5teE5QRFE2TDdLYXY2eDk0TWg4WERfN0FrYWQ5Z29GWWJnampqZVpSQVJwZlpWVTNSY3p4ZmMyWlgtdWUtVjlJemhHeFoxWktha2hEandaUDVBbnZGMnVrQVJzbWhLdGlmNHJxa05XS3h4NnppbGM9 | Z0FBQUFBQm5teE5RMG95V1B4ajEyS2xpQXU3a3JhVDZkNEI0YWRVVHNwZnBQSHhmdUNTbUNGV1VseHlwWUxzS2NnMzh2TFoxcFA5TjVJOWJ3N0FMSzlnSWlpdGlPXzJSUzFmYm5DQk1FTExfeUpVVjJoOXRpY3NJbFFWQTFNcE15Z2YzZ1pVX3pKd3FVMFR6U0draDVDakhsTndPb3B3YVZfb29CcHlWeG9IVDJkb1RLbXZqMXg1M1pmRGl1Q2ljYi03OUNyWmE5WHV6MmkzTjdiWHFuVGRiX2xjWkhrMTJIdz09 |
Story Time:
I heard about Bitcoin in 2011, it had just spiked to an ATH of $8, so I thought I would give mining it a try.
The first few days, I was mining 1BTC/day. Mining rate slowed drastically as BTC gained popularity.
I was sending my BTC to MtGox as it was mined, until the price of BTC crashed again. I evidently lost interest, and promptly forgot about the \~$20 of BTC I had accumulated.
Come 2014, MtGox shuts down, taking 2/3 of my BTC with it. I wrote it off entirely, lamenting my loss of a couple hundred $.
2021 rolls around, BTC is at an ATH of $50k. I hear about the Mt Gox settlement, wondering if I still have my account info. I can't find it.
What I *do* find is my old wallet, and see there's still 2BTC in it.
Last month, when BTC hits $100k, I finally decide it's time to cash out the majority of it, for a down payment on a house later this year.
original wallet address for proof: [https://www.blockonomics.co/#/search?q=1EsMfs5npyFJsBvhKKFckigd8kjR63GREb](https://www.blockonomics.co/#/search?q=1EsMfs5npyFJsBvhKKFckigd8kjR63GREb)
\*edit actual proof\*
Here is a message from the address the last 2 btc got sent to:
Hi Reddit
bc1qtvh42qmg77hmmrvd7k9azkrt2nk55ca35vr73r
H3tyRT6WnYKqG/asAp/6iqZzYEH/DY065Rjkhbkwo6hjCJ1HqDUKpI/X/umUwUfeDYwJ0ztioV9cOvS4gZD0lkk= | r/bitcoin | post | r/Bitcoin | 2025-01-09 | Z0FBQUFBQm5teE5QNjFfZFdvazdfUnAwcS1pVm16ekdJeWxvSnNWcm94TTF4NmdVUHNYaV9PdHpaWGxJRnZSNU44UHpSYVRUMFlHbFZ2eFBhQ1FPWkRzVmdDTXBjQ0MxOTNLV25Dakc3MHYtaXhweGJ2c3RWZWs9 | Z0FBQUFBQm5teE5RdF9iNVA1eFZCUGJDNE1QTERYUE5fVkxiemZFWFlSNVZ6VHZoUXhtTmU2ZHgtOWtPakowWHZ4VVVjemduOGhUV1diSzI4WGYzc1Y1WEVJMTVxM25HZEwzRGo3cnY1QlhqaXRRMGU0YTdDNzRvTEhNTDl5anJ5ekdva2dpN01wd0NhbmtKN21UTXhYdFRCQzFESUJaUXpVX2N1SzQxdmpsSkxYTlJreVJTZ0RJYUJZYmtDQUdTb1BTbTFLVXAwZjd6VHg1LWJwSmVGY3Yxb0V6OVBWbUk1Zz09 |
Credit myself for the wins, blame the market for the loses 😂 | r/daytrading | post | r/Daytrading | 2025-01-09 | Z0FBQUFBQm5teE5QZVNXU1R5UFFGRE9UNkhyV1N0S19NaXRXd3B2ZW5CQU44VGNjWkh4cTJ1dlo5WUl5QW5PMjluLVBGQkpaVVhQWWV1ZXJSVVBfTGV2YjdIVG1ILXNkSlE9PQ== | Z0FBQUFBQm5teE5RSkR6Z1I3bUUxZjNOQjlKN3RhQ0IybGNGODhhQTRhSUk2bXhlMVEzaC03Q1BOaFVMM1ZGbzhHSVdGLVhVT3EzMDZIT1VXTHFfeUJ3c3k1Qi1FWklDT285cElQYW0ycjRkdjhCbGxYN1pVTUY5a3pvMVBjVDByaVIzaW5KVkw4SVNvdGxueDFGLW1YbUFYd2ZLUm5YRW0ySWdJX1BUWlhobkJIdGtmN0wwV2RZPQ== |
you sold 36 days ago, why are you still worried | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-09 | Z0FBQUFBQm5teE5QYl9TaVFVdUZvRVRpXzhDa0JWdjFZVl9wNjFHQ1puRDZ1Z25vMWozNlcxblY1QmlfdlZMLXpqd2s5azJNS2V2UEFuVXJ6dUhzN2hmVTRtRm9BZ3QxSnc9PQ== | Z0FBQUFBQm5teE5RZmNBWjR6S1JzU25rcHhvTHJrcE1LaE1WQkRYUkdWTHlHWEJZbmdKWHNIQUJxTFJoX28wbUFaM0ZQRWpXVnYtNzRCeHQ5dDR1MDFmZTRoa2FYdDdoTmM1YUU5YUxqTGdqcXhuUGdkZ3hvRWhnMjR0dlgwdy15Z1JOcDdaTlljX1Fvb0pyeVlhSTF5b1Jha1RpY3d0cXg3d1M4TUxaOHR1d3NEaE5IMFp5QU9USmlnTGFseWtwVTNaWU1xYVE5dDR5cjNoN0Fid1Iwa3l6SWVJUGNVb2RjeHR0dTJ2ZUpla2FfVG9RbW9lX2NXZz0= |
I'm a new college student who's been struggling with unemployment/low income for months. After two days on campus, I can already tell that vending machines and campus restaurants are gonna be a problem for me. So I nipped the problem in the bud, got myself a lunch box, and cooked up some food to take with me tomorrow. Chicken cheese quesadilla, spicy edamame and granola bars.
Just wanted to share my small victory :) | r/frugal | post | r/Frugal | 2025-01-09 | Z0FBQUFBQm5teE5QV0hNT2pKT0F5T1N6VHNGeDZ0Zm50RXRmNHdVWjViVXNIbjY4RnlZR2NacXRoTFNCUTJnU1lOVkRDbmdETy1JR08wbG1SdllBbGVBS3FKRm5RZUtkMmc9PQ== | Z0FBQUFBQm5teE5RUEtoRWNGUGR2aU1KeEJsOUQzNnBEZlpPVmlqQlUwNlI5RlU4NlFSbFNxalNPNFZEX0dDNzFzZHJxTHZaVVlHZlo0LWQwekFyWUpCTXRyWko3ZlNQODY4Q0pZbVY5ZTZYeEs0UTNZQXV3X3pQYkZ2V1gxT284RTk5M2tXNjNZMFpzVFBMbDVsWVU4LWgxNjc5YjZudDAwX3NkT0UzZWF1clB4d0VSbkMzcXVrVGdzeEQxblV4UWFPSWRuNk40ZHNjTDJhbjBvM1VfbzBkLTd2ODRjODlUUT09 |
Hi all, I'm attempting to build a rough trading futures term structure trading model, and I'm looking for some advice from smarter people than myself regarding which data sources to trust as being correct. As an example below, I have downloaded daily spot data for Natural Gas from EIA (http://www.eia.gov/dnav/ng/hist/rngwhhdd.htm) and Barchart (NGY00 Cash). As you can there are fairly significant percentage differences in the data. I'd be happy to accept a max 2% difference. So my question is: which data would you trust?
https://preview.redd.it/b6lip4lm32ce1.png?width=341&format=png&auto=webp&s=8419503fe940e2dcbbf7db94c1cec70d4449d953
| r/algotrading | post | r/algotrading | 2025-01-10 | Z0FBQUFBQm5teE5QSXl1RHMxOXNfNTcwVFozZ3M0Wi1PLW9MNFliYUFTdkZOckEwdGh2SUNTVGNqQnBkMndlMDlOM2MxUzU4enVScDh2TjFpaEhfSzJnNDR4QWJDZzZPSU1JSTh4cHFuRnFlQ1d0WnpKZmxmSVk9 | Z0FBQUFBQm5teE5RVWRKd1A5amRYRm45RTB6ZC1zcjJzdjNvM2VvaTNqa1NzX0RFeGxNbEhKWkNndWU3RlRzWFpieG9xcUsxNmNpUVVxbmM5bDlFU0FvVlpmNl9Za2wwOW1pRzV3R0NaOS1ERmRQUGtRMk9RZHAzc1lQVEt3dTVmUlJVMjFzaTk2Zjg0SmZWckc3SDhUQVFGR01SZGZwTjVYcExlUmg4OEdxOVBiUGNuZUJoQ1VURDdCLWVDbzlrM2JrdV9LZkNzMFFLM2pVWEJCWVhJc2Q5Nl9sTnNpeHdZUT09 |
We had a big pump in alts in November.
But the sentiment was at the time, that it’s not alt season yet.
Now we’ve had back-to-back drops and the sentiment is now that we’re heading into a bear.
But the sentiment a month ago was that it’s going to be a bull market for most of 2025.
But alt season hasn’t even started yet.
But in December the sentiment was, ‘wait for the pump in January’.
It’s almost comical right now. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-10 | Z0FBQUFBQm5teE5QdjhUM3QxRmk0MmRLRG5MelRWaGVSYlNmclVzelQtakx3QmVzQnRMWnRtU3JySnNHTm85YmYwTVVYWkNhYmdFZUVKS3A1NVkxRUtBZi16X0l1eVpmbFE9PQ== | Z0FBQUFBQm5teE5RNFp4SE5iQUZrbEwwdldzOTNjemhTUm1yTlJ5ME5lN0Nidm5OMGVtUEt6dEVyRFpwSjlZWmVIVzNpVjZfdm5aMWRGNjU2ZjRWQ250azZrOC1JMEp1MjVLODdRbmhONncwUW13el9sVVdjb1QwM0tjc3NnN3VNTWhsekRjanBKMDBvbktKSDJJdERaZmdRSzlvbGd0c3dPbHdQNXZzeGwxTmZmZjBZZ0xUSjJjPQ== |
MAIN DIP BUY IDEA FOR TM…
If I see spy gap down and go down I’m going to look for the long 587C between the zones 585.2-584.72.
This Trade idea provides a potential 7:1 R/R.
My stop will be right under 584.72.
The system is simple. Manage these 0dte positions with max loss at 10%.
You may miss some reversals or breakouts etc. but overall your equity curve will maintain healthy and rising.
This looks to be a great opportunity I’m going to take tomorrow with conviction while risking 10% of the position as a max loss.
| r/options | post | r/options | 2025-01-10 | Z0FBQUFBQm5teE5QRE12b3VZTUNveHZ1Mi1rQjNlX2ZvVk5Ta2hNR0RqZWRleEF6T3lZc1l1UmU2TW5YSmFKOU5zbnRUV2J0cmNKODJpOHdsdzFYemJFNjJHWnVOaFEtUnBTWjhGZEFLclljN0JWT3RtVXB4NGc9 | Z0FBQUFBQm5teE5RR0JVcGFrcHNsSkZsTjRLWmlsQWdDUmdhLVpCd1dka3kzeDlRSkZEQ0diZWRIbnViVmp6WHR3MW80UC1OSGNTRkNBdnFpTV95aUk3M3dqUFBZX09MZHlSaUpONFZJaERXREpGU242U3RIRGpCd21mbUgtc2NhTGxhT2NYZEdKblpYUDdqNlRHb2RoUUJVM3FrTEs3bW1MTGt5Yk9XTW9KeVBaSWtGczNKUXFzPQ== |
Some context, I’m a software engineer and got into crypto and decentralized exchanges a few months back. Long story short I’ve been running a decent MEV bot with a small team of friends and it’s making nice returns but not scalable at all (covering server costs and beer money). I’ve learned **a lot** running this setup and I still keep it live as a hobby. I can’t really switch career paths (working as a full stack dev) right now for personal reasons but would love to expand my side project and advance to other markets leveraging my technical knowledge (MM on centralized exchanges or a small market that lacks liquidity).
Main problem is I have very low capital (a few grand), and this was the main reason I chose MEV over traditional markets. Other reasons were that hedge funds/prop firms are impossible to compete with and centralized exchanges are arbed out by themselves. Running a node was relatively simple and gave me a fair advantage where the competition was skill based.
Is it even possible to get into traditional finance as a small hobbyist team? We have good technical knowledge but lack the financial background (also undergrad level math and not very strong on stochastic calculus and other things relevant for a quant role).
Should I try and go heavier into defi and research more protocols?
Should I stop and build a github portfolio for future roles (planning to shift to fintech in the next few years)? If so, what projects are relevant for such roles? Should I get a masters in finance or its not relevant at all?
I’d appreciate if anyone has dealt with similar issue and can guide me a little. | r/algotrading | post | r/algotrading | 2025-01-10 | Z0FBQUFBQm5teE5QcmpQNkJ0cHNKRUtYcElQYVlDenlDbHNwVVdyVERpSVNFem1QcHJvWms1Y1gyRnNWWklrQ3lRd2hoUlhHWm5oRmJUQlQwWXVtTzBTWGIyakI2Y193dnc9PQ== | Z0FBQUFBQm5teE5RUkY5Y3BmRGloX1V1UU54WDY2Z1NGdnRuT3E2dUZra3oySG96eGxyeFJGWWZOb3I2N3NGalllcFhheXNySDFaTVVILVRuTXJ1Z01jZXIxVzBDUTFsZHBiQXQwT2tkZndfMUoxTmMtaF9UUVVURFBjSHEwNkFEY19oOHJFamM0SGEwTllGQng0eDZaSExxUGlVYVhsVnRpRjZEYXNsaTVqS29Ld1FUdEQxRzd1QVk1Y182aFg3YXdIcmNqU0JRdmZiRldSNUFSQ21URkV4S1VIQVZTYXBnUT09 |
So the federal court in Texas just ordered a guy to cough up the private keys to a $124 million Bitcoin stash. Let that sink in. His private keys. In a world where “not your keys, not your coins” is gospel, the government basically said, “Yeah, hand ‘em over, mate.”
Frank Richard Ahlgren III (fancy name, but clearly not fancy with taxes) made bank flipping Bitcoin between 2017-2019 and conveniently forgot to tell Uncle Sam about it. The IRS caught on, and now he’s looking at two years in prison, a $1M fine, and losing access to his wallet.
Now, let’s talk implications, because this isn’t just about one guy’s tax evasion — it’s about what this could mean for all of us:
1. Privacy? LOL.
A court made him hand over private keys. PRIVATE keys. That’s supposed to be the last line of defense for crypto holders. If a judge can compel you to surrender your keys, what’s stopping more cases like this? The whole idea of Bitcoin being beyond government control is starting to look shaky.
2. Regulators Are Salivating.
The IRS isn’t just “keeping an eye” on crypto anymore. They’re fully locked and loaded. If you think you can casually dodge taxes on your crypto gains, think again. You might get away with it for a bit, but when they catch you, they’ll come for everything.
3. Future of Seizures?
This sets a legal precedent. Governments now see that they can go after private keys if they have a legal reason. Today it’s for tax evasion. Tomorrow? Who knows — maybe just not filling out the right forms could be enough.
So what I get from this is, If you think you’re invincible holding Bitcoin, you’re not. If you don’t have your sh*t together , tax-wise and privacy-wise, you’re walking into a buzzsaw. Privacy-focused coins like Monero are starting to look less like a niche interest and more like a necessity.
And let’s be real, if the government can do this in a country that prides itself on “freedom,” it’s only a matter of time before other governments follow suit.
| r/cryptomarkets | post | r/CryptoMarkets | 2025-01-10 | Z0FBQUFBQm5teE5QM2xEclVXQW9QTExzMUVXU212c3g3WFh3SHcxUWdUMVZvWGJONVA1d1htUWN5N1pBdmhUbk1RbGlHNF9CYUtuckRwVVVBOU50TG9jcGNxR3M1YWNUUXc9PQ== | Z0FBQUFBQm5teE5ReFcyX1VSbGdnNmVPb3NMTEwyQ2RDTS1McGVaWXZRRW9UcEgtRldIdjFiZjh5NS1TR1RBWGNWOGM0a2ptUGppVGFscnBfb01XS0NwdHJfRXk2cnZkbXVPanZRcDJHNlZwZ2VidThhR3lLVHFCcmZHM0E3RmtGSkdTdUFDVjhTUzRiNTJyTWhoMktkbUFXbGNGQm40QV93SGRnVm9URUxiTVJoWlJsek1iOHlyYWVzLWZyNXpuQ0lfd3JiQjMyVUVFellGbzZLbkJyZVNtaE5PQmVHeHNrdz09 |
Im in toronto atm and want to learn more about RRSP vs TFSA, taxes, investing, etc. Theres a great in person course teaching it, but I learn better online.
Now I know theres youtube, but I get very lazy when I have to find videos myself explaining all this stuff and prefer a structured course. Additionally, I'd like to be able to ask for clarification.
This is the description of the physical course:
This course is for anyone wanting to understand and take control of their finances. You will get an overall financial picture of your assets vs. debt. Everyone can benefit from this course which will cover budgeting, debt management, taxation, investment income, insurance needs, RRSP, RRIF, and retirement planning. This course is a must for anyone wanting to make informed decisions about their personal, secure financial future
Any courses you guys can think of? | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-10 | Z0FBQUFBQm5teE5QeV9fdTJTSTBWTXpmV0xYU1p5ZHphUk9fRXkwZTI2YUU3eWhHLUV4MzFWb2pLMmF1bTdLLTE2N0tOREJzSHhLRGRCME5TMjdZcHNlaTgyR09YX0dXSFE9PQ== | Z0FBQUFBQm5teE5RaXJMZGNZZU02cWNfVnJTTXVRUlBZaU1GYW1nSFNkRGI1TzloYTJBak80OFZYMk9namlYaDJLdU9rTTJvVjBMYjRTYXRFQU1XUmdVTU1YX3cwMWR2MUFVODNxZ1RLM1BkUGNoSndxd3lrWnNiVDJrOXd3T2k2R183cS1MdHotaFdqZ044SGYxSFEyWk1Oa2VQMUItSTEzYmJlcWlJTDJ5VElpNkZmYVBOeUdTNmlqeW5tV2VCRTlleTdaMGVLSk1GZjR0TWNsNjhXTlFMdGNwVk81Vi1SQT09 |
How do I buy Monero and how do I tell a customer of my business to pay me in Monero. What would be the step by step? | r/monero | post | r/Monero | 2025-01-10 | Z0FBQUFBQm5teE5QTnlxelpEY0l2elJoTElUeVlHNV80Zkp5R3Vnc0tDMng5VEZuRXBrZVY5TVJyMU1EY2lNUks2QnRtcUx3d00wQ0lkenUtSWRkR0ZlUlNMUkNZc21LUHc9PQ== | Z0FBQUFBQm5teE5RYkE3NUJjemgzTklkVFBtaDhkSzFwMFl5WC1Qb3NkQkFlbVJxLUp0YVphSTBwT09Oal9GUF9FdFdabjVqNTJLU3I0RXVsYmh2VGo3QjlaRXhxSGFZaEhYYnFRSnNSWHpabmVKbHZSc3VTYktMVER3WWpwWVZ0bTdyTjNNTnBqaDhaaC1mamlwdHhvMEtmcks2LWczSVNxYWxaelBqRkU1eXUtazRwT3huTXBFPQ== |
It's a long story but due to my inability to say no to a good time, I managed to save NOTHING up until the pandemic. Then I decided to hit the stop/restart button. I've cleaned up my mind and body and I've been working hard and managed to save up $100,000 CAD. This is a big milestone for me and I'm honestly shocked that I managed to do it.
My question is, what now? I know I should have an emergency fund, and I also know that my money is wasting away sitting in a bank account. I'm 40 years old now, so I think I need to be aggressive with my investments. I have no debt, one wife, no kids, and a condo with about $250k left on the mortgage. What would you do? | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-10 | Z0FBQUFBQm5teE5QXzhXWmpYbzFNd1pEVlJRajlZenBESm53dWZfSGtjdTR1ZmFfYV8zMWlNcVFxOXBZb0VLVjN3T3k2aUVWUFh2Y2RXVFZSVFc1UkpMYkFYTWp5T3AxZ3V4WEV6eWd6NVl5SzdqUDdMcFRfS3c9 | Z0FBQUFBQm5teE5RUkNxNDZDZlBqSkMxWG5BdmZqN0llWlJWbWlUNGd4NmI5aEFuR19mTTZtNzB1dTlvS1JsMjBvaHc5U2RFVFpCMU50Y241MUtDUERFeDMzb190QXEzNi02cENmMGg1NW4tdHZWRlJLakRHLTFad0o1Q0JfOG8tWDIzVUdyb25xcWRkelZtbEptbm9qYnZId1g2dWd2Mi1XVjZkNmUtUmFsd0pJUTBQNkxXbHpYQWp0VXpEVzk0NlVkTkdsMHZQZmh5T3R4ZnlhN3hScjR4dnJYNDhCTlNGTWxRTjMwdW9LMi1mODZnb3Bxd3B3MD0= |
I’m a server at a small restaurant and after being wronged the owner decided to cut my hours as “suspension”. She’s refusing to say she fired me and wants me to quit so she doesn’t give me EI. I’ve been there for 2.5 years working full time in summer and December while every other month I work 1 to 2 to 3 days a week while going to school.
She messaged me again saying I’m welcome to look for another job if I can’t wait. Knowing her she’s never giving me hours but I don’t know if this means I’m eligible for EI until I can find another server job.
Thanks! | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-10 | Z0FBQUFBQm5teE5QQ3JGMzR3TS0wMXU1cFUxNDNpaXBTSWRQWTNzSnI5eEVTQzNGZDNSaDAzT3hNY3ZLVGdnTk82R1VXZEZKQ3FhbFRycXBPcmdMZXFqb0RfZmw2U3NSbG1SX2puMVA1U05EYjlWMEtUT1hYUUE9 | Z0FBQUFBQm5teE5RN2RkRGItejJoRXBZRkNhUzFPMEZhc01aa3U5Q0NXdF9oZExuT3NPbTVIWXp0Q2FYRE5uLUxhYVlQOWlqdGhwWmFhVzZNalFrTTkySVVwbXpmSWxYSTlFOG53WlBKYUE4dHY5QkNOcEdrR3owVmJvLXltTHAtMUNrazRxcWQzWEhSZksyUXI0aVE5eUE4WWplT240dkJ6X3JUQ0s4RmhMWGZ0S3JHajNWM1oydWRiRFVuck5ndWRQU1lPeE9sWFdtM0dCMHh2Q3BlRHpabEFwY0JaSS1lZz09 |
Newbie here.
Website says in their FAQ that the BTC cannot be held in personal wallet, but by a “qualified custodian”. Here’s the quote from website below:
Can I hold my digital assets in my personal wallet?
No. To maintain compliance with IRS rules for IRAs, assets must be held by a third-party Qualified Custodian.
Was interested in starting a BTC IRA.
Anyone chime in their thoughts on this please??
https://www.itrustcapital.com/faq | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-10 | Z0FBQUFBQm5teE5QVDF0WF81WXBiVXJjOG9KM0FDRUlIVkpMYzBsRk5oS1lleUpzY3dVejN2d3NUOHFmdW5XV2hROHYzdHdlQ2RKODV1eEl3WlZpMVl2U0pUbThrVmFSamc9PQ== | Z0FBQUFBQm5teE5RZ20xR3Z0UjY1UXdHZzd1N05hUUpoa2JFUXRSU2I0YnFja3JOTFNIc2JuWTctUThjQVhoM2RpZG9DbWNldnNGVGUwSTJPeFdqUjA4eFhjVmJiNHhpM1FNUGhPMUptZmk2YkZLd1RPcnhNaDM2dkVQRXJOdjA3QTgtby1iM0FGWEx2bHctRzhKRmJMVXJ4UkpPaWxsWENFWmtiQXlRR1Z4UjFFWE4wZ3VydmFodnBYYlFyNW00RnZjVDRVTG1CYTVk |
As much as its more of a skill than an actual “job” per se, it is funny how simple and easy it sounded at first— making a boat load of money all in the comfort of your cushy chair and air conditioned home. Little did we know the struggles ahead of us, and will they know the struggles of those who succeed. | r/daytrading | post | r/Daytrading | 2025-01-10 | Z0FBQUFBQm5teE5QbnZrNk53WXFmR3YzOFU0c0NIMXZhS2E1ZXAzQ3k1RC1MV3N5a2h5YXFHSFZvVE5NNnNvRndqLTY3TmhtdlRUTDBWQjdqLVlGeVNrWnZrWExRRnBHWUE9PQ== | Z0FBQUFBQm5teE5RdHdKZ1M3azRTdVQ0a2tjNS0wc2VkcDNiMy1wVnd4ajFGcjNDTV93dG9LSEc3d3h5eXZTaUMwX3FwcVZ0cThxYU5acTRjc3hwaU9CdkZRU242bVJ4amp6WWhFODhkWW1vbktmU0IzN2h4WjY2MDdRamVTM2IzN3hXaS1EWjhhOHhJNW5UZXRCd0RuazFnUHNwc3dQZUI3eVNnaW9ZZ0JqOEV5UURRTEIySHRFPQ== |
I've been holding crypto for years and recently won some ETH on Stake, so now I'm sitting on around $150k worth. It’s finally time to start DCA-ing out, but I want to make sure I do it legally and handle taxes properly.
For those who’ve cashed out significant amounts before, is Coinbase a good option? I’ve heard mixed things about fees and limits, but I like that it’s a well-known platform. Are there better alternatives for cashing out larger sums? Also, should I go through my bank directly or use a service like Coinbase’s USDC withdrawal to avoid red flags?
I’m in the US, so I know I’ll need to report everything and pay taxes, but I’m not sure the best way to document this properly or if I should hire a CPA who knows crypto. Would love to hear how others handled similar situations and any tips to keep this smooth and legal.
Thanks in advance! | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-10 | Z0FBQUFBQm5teE5QRWljTGVCSU1HZFpVM1QzdWJaZjhXaXpjSTdSdzNOTmdmUVByblF2NmY5TTBFMk1GQlhMUUNjMEV0MG8tNk5LQWI0U01WakFwbGZ3alJTOVIxZXN6OU1zSmhaZDltNkJHNzJQTkI1d2gtUDQ9 | Z0FBQUFBQm5teE5RVFBxLThRdXhVTlNpbmpfQ2U5MUxULVZmZWFpSFUtbnpQSWdqLTFoWDBka0dYUmlEN093T3BDdnJxeEtONkpMdXgtTWIyMUVHcFJmdkJhRVFhVndQNTBLamc3T2JEY09xM0VUaERJWTIxd3U1ajk1d0daWEJmLVYtY3ZtejQ5M1lkX2NqcnNGbzNkcURLRGZMYkF3dXBXVl94dUV1R0V1VE1MOFY4X0FuRnR1SHNiYWE4M0NtbjFWb0thY1JJaHM2RXE1ZnlJQkw0NlAzQ1FWVXBJZ2xQZz09 |
Today me and my husband decided to downside the a 1bed apartment. We have no kids it's just us and we are tired of paying $2500 for a luxury 2bed apartment. We found a nice 1 bed often apartment for $1300 in a nice neighborhood had a washer dryer in unit a huge pantry and a huge kitchen. Nice bathroom and walk in closer it's literally perfect for exactly what we need right now.
We have so many goals we are working towards and living in a luxury apartment really was hindering us! Even with paying the one months rent fee to terminate the lease early we still are saving almost $6000 for the rest of the lease term. It was like a weight was lifted off our shoulders! Now we can things done we always wanted to financially!
Do not be afraid to downsize! Like I always say downsize so you can UPSIZE! | r/frugal | post | r/Frugal | 2025-01-10 | Z0FBQUFBQm5teE5QTks0aVpFMzFKNmdWdDlZTFRiQzk0azRtWDhPcWNKcl9MbE1wN3o3UjVybC1OWW9OTk9lRjk4cEd0T3l0Tl9UbC16SVlBSGxPemJJWWJFR1FkWDlWcEE9PQ== | Z0FBQUFBQm5teE5RWGgzdEZUaE9IYjhCT0xHMEVfbjhnU2p0YVFnc2FOU3lmOTJ5andFa2F3TjRfVXZyOWRnNlhNa0NaT1YxdWtHRkVOZGFQeElIMVJKTlVKem5OajY4aUhTNU9mYUR0b2d2Y2NPS1FXaENzMDUzTU1QclNvZFN5dEFUNGlqMk5BbUlpeFFOOXlCdHJBWDdLRVpXNXlJRTZNRjExYjVCbVJxQnZ6RC1Wcks3ZXlrPQ== |
Hello,
I was looking into Retoswap and I was wondering if it was decentralized. If not, why is it a secured place to trade.
Sorry if it's a dumb question. | r/monero | post | r/Monero | 2025-01-10 | Z0FBQUFBQm5teE5QRmxkOWdZNG9Dd2lVOXpOdGk4UXlfRW0yLW9VOC1RNmJ4am14cHhRbGhRX2VqU3N4MUctX2ZYMzJ5anNLQWxhU2JKYkY3blRwaTNJV2tLejVLMmtINlE9PQ== | Z0FBQUFBQm5teE5RVEtoOUVsRURjMHdkUUxuMy1helUzZlFZcHl0VlNwNy0zYm9TMVBhYVYxb09HMTUxWkdRRk55UElBMGE3TC15Z1FSMy1mUU1Bb0kxeHRPNWQwSnBzbUpkYXhtdVBBN3B2MlBEdXc3Q29OZV9LNDBwRnFMOVRzMXROcG5zSGZVNHBpckVFZ2tfWUVEWXo3YW1xUy03T0FfMmNQWllxQUcteUQxVzFZWnNpTGlxemV0elNuWU5CaHdoa2VFOTFhSHJz |
Nice! | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-10 | Z0FBQUFBQm5teE5QdjdGX01lel9mT1l4c0lmeHM3cElBMlZMSEc5a0VlVVoxVW9iSlppU1hKbUJ0R0l3OFhhUHJUREFzSU5TQ3pvZXpDODJLQ2hnUW13WG9ueWl4R25mT2c9PQ== | Z0FBQUFBQm5teE5RQmpLMlNwSnhMN2wzSzBCZ080SmI2bVlRQTdNX2lQNkxyUWpfRjRybjVnMVRsNzYyb2dTOGp3RllRR3E4cHFiTnNmdUdoV3lIZnlfMGgwcEs4MG15YmVxcDhTcGVnalJtcVdoZk1ZaW1ERW96MmJLX0pKYnJmUEdwTmR3OTE4UzVvMENURTE1cG9mTWFPdm1WbTBDUktoZ1JfQnpTVml2SnJrME9OT3lDaHdSWHdTaG52UF9KSHRqSHRXTDhGem1rczVCVlZTd0lSNXM1eHRGRXJyN2xmQT09 |
I'm using IBKR, which updates candles every 5 seconds. For example, for a 1-minute candle starting at 9:30, the updates might look like this:
* **9:30:57** → Partial update for the 9:30 candle
* **9:31:02** → Final update for the 9:30 candle
* **9:31:07** → First update for the 9:31 candle
The exact second depends on the moment I place the bar request.
When triggering my strategies, I want to ensure the candle has fully closed before acting. The only reliable way to confirm this is after receiving the update at **9:31:07** and comparing the last candle’s timestamp (9:30) against the new candle’s timestamp (9:31).
I have a few questions regarding this approach:
1. **Ignoring open candles**: I need my strategies to be aware of any open (incomplete) candle and ignore it. Since the data thread and trading thread run separately, strategies cant expect only completed candles.
2. **Latency**: The earliest I can place a trade is **7 seconds** after the candle closes. I wonder if this delay is too large or potentially detrimental to the strategy’s performance.
3. **Backtesting**: I also need to replicate this behavior in backtesting so the strategies ignore open candles. In that scenario, the OHLC values of an open candle would all match the open price (the only certain value at that moment), unless I incorporate tick data, which significantly increases complexity.
**Questions**:
* Do these assumptions make sense, given the data-feed constraints?
* Is there a better way to handle this situation so that I can act on trades more quickly without risking the use of incomplete data? | r/algotrading | post | r/algotrading | 2025-01-10 | Z0FBQUFBQm5teE5QVHdFQUsyelh5Ml9ZR245cERlbFF5Snk2ZllySThmbmg0NTktN2ljaEhCWVE2MU9BekJKSE9jdHhFWElTclRObXp3bFAzTHVHVGhhQnByZmZObFg4YnVfd1hjX1E3UVFEX2ZzbzM3VkJIams9 | Z0FBQUFBQm5teE5RTFNLNTh0YWEwOUY1eHo1Qld5WnhtUmI4a2I2a20wVXFkOHoyMGtXZElGNXBTWnc5MVpIVFotZ1ZnZ0prLUJsZVFDeUxUMEZGcjhLYm85LWlMWGVCMjdtcHQzOEtFSGxua3pCVTA4MmFfdDFWSG5MZUFPWTZ2UmRDNFlSWXBsQl9FTHFGb0txcEpzTkZ2NGxYd1BjRzBma1htUTN1Q2o0NHZFVnFOX2tyWEFadXM0ZGtJbFl3aEpFaHRPZEZvbzZP |
$RGTI $IONQ $SPY $QQQ 🥳🥳🥳🥳🥳🥳 a few days ago, on Monday I sold 80% of my position… keep in mind I bought this in March of 2024 for .23 a warrant and yes I did get 1000 shares at the beginning of December for 2.96… There are two pictures, one is my original warrant position… the other is my total REALIZED gains, thanks to God… this might possibly be the biggest scam or haymaker I have witnessed thus far in trading and I have made a shit load of stupid moves. This was a $3,450 investment. Greed kills and I thank you all! My best trade ever! I am still a bull but this shit is wild 😳 | r/pennystocks | post | r/pennystocks | 2025-01-10 | Z0FBQUFBQm5teE5QQi0xYUtLdWhiNFpEV0NQRXRLaXVYMldYaFh5Uk1VcDBJcVdKM1o2WEhkeDZBaDUyd2g0X1pENHNpUUR4WkVKOGc1c2Z4aFJwV0xyc3plVU13MW1RWXc9PQ== | Z0FBQUFBQm5teE5RUmp1aEgtUk96YUZkQ0lCYnJjVjhRcFR6dmM2ZlhwNVcwVUZXdW9CUlZHS29kLWVWbEswMzJGV0FSQ19odjRIekdYZFUwZGJ6UFpoNER5bEphTjBRWnAzWHdkcXl2eExnN252XzdldTcwM0JldzZPbXVsOHI1THhCTi1SSTROcFdhNi1hZmhEbF95c2t4RURUaXdzV3g4UU4zMWhkN29NbGtOX191UzFhOThvQ21kcjJIOFBZY0JQckVmQW83V3Fw |
When I buy things, I always think about how many times I need to use them to bring the per-use cost down to a reasonable amount. For example, the daily use cost of my $40k car was $109 at the end of the first year, but after 10 years of ownership, it’s down to just $11 per day.
This mindset has helped me avoid impulse purchases, like an expensive bicycle I wouldn’t use often enough to justify the cost. If I were to buy one for $7000 (electric Specialized Creo 2, non essential, hobby item), the first ride would cost $7000, the second ride $3500, and so on. I love cycling, but thinking about it this way, it’s exhausting to imagine how many times I’d have to force myself to ride just to avoid feeling guilty about the purchase.
Looking back on the things I’ve bought, here are a few that have truly paid off:
Express waist belt: $50, 18 years. 0.7 cents
Ray-Ban sunglasses (replying to comments, this was with prescription and i was ripped off at LensCrafters): $500, 13 years, 10cents
And they are still in great shape, not worn out.
What are the items you’ve purchased that now have the lowest per-use cost
| r/frugal | post | r/Frugal | 2025-01-10 | Z0FBQUFBQm5teE5QaDNjZjkwRHlwbUJWY0k0OUJwUW9BVmp5QnhJcFpDcU1TMUhuSWpqRmRjYjZjS0ZxcUlUWFZXdzVhMi0yM1lJcEtJNHpvMUZCM0lvMk9MbmlXTFJRdFE9PQ== | Z0FBQUFBQm5teE5RRFpJOUZ3LThScVNRWUJrUXJHNVFzSXl4NTczV0VlcXcyRnE5NWJXYkpodDU5bXFHcy1kOTdwMGtnNUYtMWR4RGJaRmQyLWZ5SW9FdFZwX0dybUh6MzRocDdtdnE0QmQ3N1o2Ynh5ZXVJNVhPX1lWUHREaUhPRTN1V3N1ZXNRUXdVWGhtZzVycm1LOEc3X0RWZEpxd2k1aWdzR3JIRTQ4MDJ6UGFLVFpYM0g4VnFjSXFOeU1vX041dFlxdjA3WllCVjJVc3MxZHhVd0hfaXc1MThwWVVFQT09 |
I started my business in 2007. I worked for another company for 18 years. They were going bankrupt, so I told my husband, if I have to jump off, I am jumping in the deep end. I had 22 years of experience and my clients told me they didn't do business with, (inset company name), they did business with me. I had some savings and the nature of my work didn't require leasing any real-estate. I made an office at home and without missing a beat started working. Just one year later, we survived the crash in 2008, it took a few years to recover. Both my husband and myself are self employed. I survived Covid, but my product, freight, and installation went up almost 50 percent in 2020. I have hung on as long as I can. Those cost are never going down and I can't charge enough to make it any longer. I possibly will get a contract with a vender I have been in business with for 30 years. It won't be much. Just a 1099 contact job part time. I felt lucky I didn't close in 2020 like so many other small businesses in my town and everywhere else too. | r/smallbusiness | post | r/smallbusiness | 2025-01-10 | Z0FBQUFBQm5teE5QbVNCVmVnd1Y1Q2VCMUhpTVkwbWtNVThDbFV2RTA1SzJicDFWOUdUY1BibWYxRXBvS3Q1N1llZWdjNHNQT0tUQ2VJN3IwN0RqRnhrb0tCUGhDUzlSbjU3WWd2N0lQZ25jcUJ6Umw3WkU1cjg9 | Z0FBQUFBQm5teE5RZVdOaUhCemE4N192ZFBxTi1UYk5VaE9uWVBlM1Baakd4d1ZtWDNsVjZuNE9qRUJVMW5zejBucXJ6Y20tLUo2OTMwdUQ4bUxOZ3plNmVIS3p5RDBoZnN5dzBSM05Gb25fVkF6NksyRjU0LUpOaERVV0hiaTZGQnlDZmRfU2U1bFluc3FldDhMRE55aEtWc3BxU083N1pJVlBXRGszMGFTSlBYWjY2YU9HVHlzbXlPMnNHWWl4UXh5UlZkbWdpWlFI |
Every time I see a so called CTO it’s the same story. “We got rugged but now want to keep the meme coin going because we build a community.” Funny how a community was built in days and how all the accounts seem new. This is because it’s part of a second rug pull that they want to trick new investors. They want to make it seem like there is no risk when in reality it’s a bunch of bundled wallets waiting for the second rug. Even real communities don’t upvote posts like this. But all these CTO’s have hundreds of likes and comments in seconds. Fair warning about the new scam. | r/solana | post | r/solana | 2025-01-10 | Z0FBQUFBQm5teE5QcVR6S2FxQ2k2ajhzTkR4X0Uycks3cWpadEkwU2l0bWJiM01ZcVl6UXNEQ0l3aFBrMFliblVabFlVXzhXV3RyekFKclhFT01zVFRvdDdNSHptSG5sVDJtMG5SYlY5R2REYXhKMndkRGk4NEE9 | Z0FBQUFBQm5teE5RVjcxcjVTbDFNSDJ4SzY5N1RRLTBBV3RTajAwN00zNXhSeXNrdTBqU29SSmdjbU51ZXZhdVdwSkkxekVJT2JPbjJOY00zWm1NQWNXdXo1NTZfbEM5MzE1SGhKWEtOSEtweTM2bHB3UFlzT1FSRXc4Z21BeENzb1c5dkhETUlOLV9GNTFqc1ptWWljZW15TEVLVEM4UU5EbUFyQlM4MWFLRDhQS1MwTWxPcENuSXlMQ0VKaDhNZ1FKZy1oYWh4bm4z |
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 | 2025-01-10 | Z0FBQUFBQm5teE5QUmV6YklGZlRjbDZMcE5IUDVMUUtZSTBROG5Hb2p1VjJNYTVOSXd5ekhoUGFuUllsRjlqZGhCRHd2LW9ZdlFta1BpUkVBcU1oUGNxUHRmUEh2cC1ia3c9PQ== | Z0FBQUFBQm5teE5RdXAySmxrUUdvNndTREkzRmN4cGFOTERkUEF5R0xzMkwybENsLUtfZmh5eFcteHVpTHVGZDgzMG9hSWJEQTdxaDFaR1dqOExKZWEzNjJsZ1Z4dEtJZmxaMmxMOWxuNXRPakRkM09UNU03ckdXZXZ5eEhqYlpsdlJjY2hKSmRPdzcxS21mUHhBSWc3ckpKd3ZzVjRNY3drZzVpY1pnXzUxaU1fLWdCdlpQcEk1SENVdlVCZ19oWmNmMWk2Tl9XbEk2 |
Attention Zilliqa Stakers!
As part of the recently passed proposal through decentralised governance, all SSN operators are required to set their commission rate to 8%.
The following operators have not yet adjusted their rate:
▶️Huobi
▶️Nodamatics
▶️EZIL
⚠️Please Note: These operators will not earn staking rewards until they comply with the proposal. We recommend avoiding moving your staked $ZIL to these operators, as their rewards will be paused until their rates are updated.
Learn more here: [https://zilstream.com/vote/gzil/QmfHiG2vkzp1LW6oEY5QDvm3vhATTQJZd17UGjV9NTLWag](https://zilstream.com/vote/gzil/QmfHiG2vkzp1LW6oEY5QDvm3vhATTQJZd17UGjV9NTLWag) | r/zilliqa | post | r/zilliqa | 2025-01-10 | Z0FBQUFBQm5teE5QQVFjcWU1STJQMzBoanhpTmFNZzBjbEJ1eTNQY0phRVpQaDNDU1l0eVpZQWhkS2JfVjM2MUJVUEw0ek91c2MwTzNXRFZLU0tjdjRRMmlfTE80dldfTFE9PQ== | Z0FBQUFBQm5teE5RdFBnVk1Dd3FlbmJ1N2hWVFNpQkEzcU96ZFJURmlkZjJfQTU5aVQ0bUdvSnhQaDRva1RMaFBCd3VhVkJUeV9wSVl4YUdGR1VEWF95TzlGaFIxeHNzRDYzQ21ldmUtMHZqRU1zVG5RSDc0UDI2MHEzYUtMZ1R6Q1k2MW1zcGhNWko5bGF0MWg2dUpQb0ZoSjVFOTZpdk5MV3BBUnNWUDZmYVRyQVgtQWRMM2QxVVJJUXdIVkt2RkM3dWRsYWIya000 |
Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!
Have a look at the [FAQ](https://www.reddit.com/r/financialindependence/wiki/faq) for this subreddit before posting to see if your question is frequently asked.
Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. | r/financialindependence | post | r/financialindependence | 2025-01-10 | Z0FBQUFBQm5teE5QMDhGVEdVcGJfNTlJcEh0QUgzYXNWdFVXYlFLUHM2QUtPUVMyWUZZSGc3MFRlTDVqYUNQd3ZNMGx2QmIwaWZtb1FRSm5jXzh4XzlXSk05TDBqSXdqb0E9PQ== | Z0FBQUFBQm5teE5RSTNFNzR2WV9mRFNrMlFxbEpqZmlEYzBEQVU5V2kzb2NyakZlSk1hRWkzVnZQaUpEYzI4LWhGR3A5U2VGZm5GRE9OR0p1Z1pBVDFYV3RTNEdrd00xSXJwNlhHbExWNkdHWmd2dUVSUlliNzVnUzBkeUtZQlk0SjlWLUxncHZuWTFfT1VKOVE1ZFhMMDRNM3UyaHNiNW9TNU84Vk1NN0tPR1QxREd3OF9kQ3lER2Nla24tVE9KWGV6eVJYZDk3UUJTbHU2d3publh1VjRMamwxcjVPOGw5NkRwaXB5ZzdBZjNfYVlxSktZM1BNcz0= |
r/zilliqa | post | r/zilliqa | 2025-01-10 | Z0FBQUFBQm5teE5QQS1pelhXcDRmWGZWVG4yTFdSZVByQ09yVG5ONlZDVkVXcE1USFhFeWZzanhqUGhkM1N2NXFQQ19tZkhJNkNqQzVBR0tfdVdVQ0RvdFRHbTJTdW9XOXc9PQ== | Z0FBQUFBQm5teE5RMlotdFd4TUpGSzUtRDY1NFJvbG9EOUdLLWxYSVgzLW1iLTV6a3hHcWh2XzNVa2REUi1wbUtOZ3hWNXVhRDVqMUUyM0F4RUdFN2FMMUJlM1pRVXJoR0tHaFFZak15S0Z2UGZXRTdJNXFNUDlPTDhVXzNxanpSYWhtWGJPd1JXSVhZS1BSSjNCVDN1dnNZLXhFUzRIUTA4UC05d0plWkd2UE9HMDBlMUxvX1NhVnFTV3ZQYW5GMWFUa1RQbXZBNDYycnp6QjdCOExyaVAxRUE2VDZTbjkxdz09 |
|
I recently created dmvp2p, which is a simple GUI that allows you to send Monero micro-tips to your favorite creators/projects using your CPU and the magic of p2pool ; )
Basically the way that it works is you launch the app, select the user that you want to donate to and click on start. It then launches p2pool and xmrig and starts mining to that users address.
There are so many ways this could be used, from supporting your favorite creators, to crowdfunding, or donating to open source projects. The possibilities are endless!
Currently I have created a basic beta that people can run here: [https://github.com/4rkal/dmvp2p](https://github.com/4rkal/dmvp2p)
I also created a ccs proposal that you can read [here](https://repo.getmonero.org/monero-project/ccs-proposals/-/merge_requests/531)
Would highly appreciate any feedback!
If you like the idea please give it a thumbs up on the ccs proposal page. | r/monero | post | r/Monero | 2025-01-10 | Z0FBQUFBQm5teE5QbUI2Y1EzZkF4WnFKRWdic3pnUUNYeWl5SEhYX0FCaENIUnJkbDhtSWhLVTlwNmNPUzQ1VnpmV1k4OHNGYV84UV9Hb0JlbmwxTGxfeklSVndNQTVDVFE9PQ== | Z0FBQUFBQm5teE5RYWxNUlVsOE53MVNjbFU0UGZCQW9ESG5VNk5VQWI5UU5yY1RvVVJpa3J1ZllyTlRsbWNJWGYwVDVqejktNHlKaDVjT0k2Zng0YlFFX2NMeko1U1pCZy1xeHM0MXBNQXpFVG1DWUJ1NUFldmotci1qMEk2MGoyeGJQMFZUZzd5YUpnWF9iaGRZU3B0M1pHQy0xVllrUDVVaWwyNFBlQ1FBSEF5cG5GWG16c1hWU1FwbS0tM0wzM1ZjY0JtN2ZvT2w2 |
Subsets and Splits
No saved queries yet
Save your SQL queries to embed, download, and access them later. Queries will appear here once saved.