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Im getting a little fed up with Alpaca im not a massive fan of them. Is there any brokers with good API's that people recommend? Im small trader \~$1000 and just starting out with my portfolio. | r/algotrading | post | r/algotrading | 2025-01-10 | Z0FBQUFBQm5teE5QZXpvc0poUlJkaGpBWTE2TFNmaVFhSnE5MHRxMG5hSVNxREJ0aTRPenRMdHFabktST0hTXzEwajNCY3hSbEpZZXRYZ3pObFJCbmhkbE9ZeEQwWjltR3c9PQ== | Z0FBQUFBQm5teE5RZEpxSmVqbVRzRFZKYjQ1allsWElaNWpZM3ZXMm9OQktVbnJvVTFOUDFaSFVvV1F1TTRxT2QwMlhtSTZ3WnZ3bDNzOXllN1EyNUpjSVJJbzA3d0tRblIzQUN0LTRCUTdtMG1DbjU2WjZhTWlnTUpCTTRaX2JXNVF1QU4xbVhNRFl0LWJrdmV4UlR6czJoWGdpUUhhWGE4TXh4VWU2ZEM1NzVPYzNlMVVtSC1JPQ== |
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--
^Standard ^disclaimer: ^The ^content ^in ^this ^thread ^is ^for ^information ^and ^illustrative ^purposes ^only ^and ^should ^not ^be ^regarded ^as ^investment ^advice ^or ^as ^a ^recommendation ^of ^any ^particular ^security ^or ^course ^of ^action. ^Opinions ^expressed ^herein ^are ^the ^opinions ^of ^the ^poster ^and ^are ^subject ^to ^change ^without ^notice. ^Reasonable ^people ^may ^disagree ^about ^the ^opinions ^expressed ^herein. ^In ^the ^event ^any ^of ^the ^assumptions ^used ^herein ^do ^not ^prove ^to ^be ^true, ^results ^are ^likely ^to ^vary ^substantially. ^All ^investments ^entail ^risks. ^There ^is ^no ^guarantee ^that ^investment ^strategies ^will ^achieve ^the ^desired ^results ^under ^all ^market ^conditions ^and ^each ^investor ^should ^evaluate ^their ^ability ^to ^invest ^for ^a ^long ^term ^especially ^during ^periods ^of ^a ^market ^downturn. ^Have ^a ^nice ^day.END | r/robinhood | post | r/RobinHood | 2025-01-10 | Z0FBQUFBQm5teE5QX3I0Y1hFZ1Zoa0dEMkx5THJWVnNRUHppV0pLQ2I3NnVDNWNsalBCcE9IVlQ2RU9IaXotN3lndmdWNEVpbklyMmNFNFNadmszdTE3S2ZGTkgtWllxUTdyZFViY01kSUxrUkRpMXhRUlpObEk9 | Z0FBQUFBQm5teE5RRWZNXzd4WHdiUXFrekRvSUpYRklhTTdXU0ZqWkVUeEVGbFFqWS12bkpsLVZWd1djSTJDRnJPaTBlWGwyUVdmckZnQmpBaFd5eDZjS0xIV3NRaWczZlFsdV9SUHhlRmVESnEwMjZWbUsxbVV2X0JONFdEb3dvcHpOejNhMWFzZkVod3k2RXpvMWN4anhfbkpQdHNGTzNjSDZVSEtieGI2VVdZMjFrNFd4M0J5ZzUzdFB2S0t4ME9XazRkVUlZcnc4 |
MACRO DATA:
* Key is obviously the jobs data today.
* Expectation is for slightly hot print due to seasonal strength around XMas, but the key will be the unemployment rate.
* If this goes down, we can see SPX dump as it signals more hawkish Fed. We want the unemployment rate to ideally rise slightly.
* After market open we also have consumer senitment ant 1 and 5 year inflation expectations.
FX
* JPY rallied this morning, paring some gains, but pushed higher on the suggestion that BOJ will likely upgrade their supercore inflation estimates, but they are yet waiting for more data and are watching the ongoing wage negotiations.
* GBP fell yesterday to 1.226, bond amrket sell off that pushed yields to 4.921%. mounting investor anxiety over fiscal policy, with some comparing the situation to the 1976 IMF bailout era. Economic uncertainty remains high as stagflation fears linger.
* Dollar slightly higher ahead of NFP
MAG 7:
* NVDA - Bank of Ameirca rate a buy, PT 190. Said they hosted CFO and they feel confident coming away from that in NVDA as an AI incubator. UNique an highly leverageable silicon/system/software platform, spawning new growth engines in physical Ai, robotics. They also recognise that NVDA is early in a 2T dollar infrastructure opportunity. They are still in just the early stages of this
* NVDA - Tier 1 also sat down with CFO of NVDA. They said that NVDA seem confident in lac of risk from Custom ASICs from competitors like AVGO and MRVL. Highlighted ongoing growth in AI compute demand.
* NVDA - EVercore ISI “The CES 2025 keynote and follow-up Q&A reinforce our view that Nvidia is delivering comprehensive full-stack solutions that position it as the AI-ecosystem supplier of choice, poised to capture 70-80% of the value created during this computing era.”
* TSLA - files recall of 239k vehicles. recalling 2023-2025 Model X/Y and 2024-2025 Model 3/S over a potential circuit board short, causing rearview camera failure
* TSLA - unveiled a revamped model Y in China priced 5% higher than previous model. Features include a front light bar, ventilated seats, a second-row touchscreen, and an extended range of 719 km per charge.
* META - The Supreme Court is set to hear arguments today on the TikTok ban, which could go into effect as early as Jan. 19. The law targets ByteDance's refusal to divest TikTok and imposes penalties on app carriers.
* AMZN - AMAZON LAUNCHES RETAIL AD SERVICE FOR U.S. RETAILERSnow lets other retailers use its advertising tools to run targeted ads on their own websites. Early takers include iHerb
* AAPL - Executive leaves Jakarta after iphone 16 ban talks collapse. Left without resolving.
DAL earnings:
CEO SAYS: We’re set to deliver the best financial year in our history in 2025, driven by strong demand and premium product offerings.”
"We remain focused on sustaining efficiency gains as we move into 2025.”
* Adj EPS: $1.85 (Est. $1.76) ; UP +45% YoY
* Adj Revenue: $14.44B (Est. $14.16B) ; UP +5.7% YoY
OTHER METRICS:
* Passenger Revenue: $12.82B (Est. $12.62B) ; UP +5.3% YoY
* Cargo Revenue: $249M (Est. $204.3M) ; UP +32% YoY
* Passenger Load Factor: 84% (Est. 84.7%) ; Flat YoY
* Available Seat Miles (ASM): 72.04B (Est. 71.12B) ; UP +5.2% YoY
* Revenue Passenger Miles (RPM): 60.39B (Est. 60.27B) ; UP +4.7% YoY
* Adjusted Net Income: $1.20B (Est. $1.15B) ; UP +46% YoY
* Yield per Passenger Mile: $21.22; UP +0.5% YoYQ1 FY25 Guidanc
* Adjusted EPS: $0.70 - $1.00 (Est. $0.76)
FY 2025 Full-Year Guidance
* Adjusted EPS: Above $7.35 (Est. $7.45)
* Free Cash Flow: Greater than $4B
* Pre-Tax Income: Greater than $6B
* Fleet Expansion: Took delivery of 38 aircraft in FY24, including A321neo, A220-300, A330-900, and A350-900.
OTHER COMPANIES:
* BIG NEWS FOR SEMIS IAS FURTHER RESTRICTIONS ON AI CHIP EXPORTS, SPECIFICALLY TARGETING NVDA AND AMD.
* Airlines are all higher on DAL earnings.
* TSM - record 2024 revenue, boosted by AI demand. Revenue was up 39% YoY, beating estimates
* SNOW - Barclays upgrades SNOW to overweight, PT 190. Said they downgraded last year due to premium valuation. However, they see better set up for next year as velocity in new products, many address newer AI trends, hence meningful growth. Said they will execute better under teh new CEO.
* NKE - Piper Sandler upgrades to overweight, PT of 90 from 72. Said they amy be early with this call, but CEO is v urgent to clean up the marketplace by taking back product and providing markdown support to partners. Question isn't whether they will turn around, it's the timeline on when
* AMD - downgraded by Goldman Scahs to neutral from Buy, PT lowered to 129 from 175. Said they are still constructive on AMD's ability to tae market share from Intel, but they are concerned about the rise of ARM based custom CPUs and heightened competition in acelerated computing. Said they expect range bound action.
* On more positive. news for AMD, S&P global has upgraded AMD to A Credit rating. According to S&P, AMD’s CPU market share gains and strong AI-accelerated chip sales are set to fuel 13% revenue growth in 2024 and 24% in 2025.
* SNAp - The Supreme Court is set to hear arguments today on the TikTok ban, which could go into effect as early as Jan. 19. The law targets ByteDance's refusal to divest TikTok and imposes penalties on app carriers.
* COSt - reports strong December sales, US comp sales, excluding gas rose 9.8% smashing estimates of +5.2%. Total comp sales climbed +7.4%, exceeding the expected +3.7%.E-commerce sales soared +34.4%, bolstered by holiday timing. POPS in premarket.
* MCY - Mercury Insurance has pledged to support claimholders affected by the Los Angeles wildfires, even in cases involving abandoned or stolen vehicles, despite potential policy ambiguities. "We are going to do the right thing," said spokesperson Shane Smith. Pretty damn bearish news. Investors don't care about ethics and that's the sad thing. They are going to get killed financially on this.
* OTHER INSURANCE COMPANIES WILL CONITNUE TO STRUGGLE AS JPMorgan analysts now estimate insured losses from the Los Angeles wildfires could exceed $20 billion, doubling their previous forecast, according to Bloomberg.
* This fire is BAD news for insurance companies.
* AMTM - has secured a $447M contract to manage Air Forces prepositioned assets, enhancing mission readiness. The program will use advanced tech and a tailored Data Management System for efficient asset lifecycle management.
* SQ - is changing its ticker symbol to XYZ, effective Jan 21, 2025, on the NYSE and Jan 22, 2025, on the ASX.
* ARM - is considering Ampere Computing acquisiton. valued at $8B in 2021. Ampere designs data center chips using Arm's tech and has been exploring strategic options.The deal could bolster Arm’s AI-focused data center ambitions
* DIS - announced it now has 157 million ad-supported monthly active users across its streaming platforms
* HIMS - Jefferies on HIMS. "Website and app usage data remained strong, suggesting HIMS will likely deliver another beat in 4Q.However, Given our belief that GLP-1 revenues are not sustainable at this level, we remain Hold rated."
* LLY - Medicare to cover LLY's Zepbound for sleep apnea.
* UNH - HSBC upgrades to buy, PT 595
* TEAM - BMO capital upgrades to outperform, PT 292
* MCD - Citi upgrades to buy, PT 334 from 311
* GILD - Morgan stanley upgraded to overweight
OTHER NEWS:
* AccuWeather estimates the total damage and economic loss from the Los Angeles wildfires at $135–$150 billion, with potential for upward revision. The loss could equate to nearly 4% of California's annual GDP.
* FED’S MUSALEM URGES CAUTION ON RATE CUTS. called last month’s rate cut a “close call,” citing rising risks of inflation sticking between 2.5%-3%.
* He stressed reductions in rates should be gradual, given strong economic data and higher than ideal inflation prints. Said rates moving higher means they have to carefully monitor labour market
* Added hawkishness ahead of jobs numbers later.
* This builds upon hawkish comments from Fed's Bowman:
* "The December interest rate cut should be the last."
* "We should refrain from prejudging the incoming administration's future policies."
* "The current stance of policy may not be as restrictive as others may see it."
* "Inflation is elevated, and I see upside risks; progress has stalled."
* "I prefer a cautious and gradual approach to adjusting policy."
* More hawkishness from Fed's Schmid:
* "Interest rate policy may be 'near' where it needs to be for the longer run."
* "We won't likely get to 2% inflation until 2026...The last stage to 2% inflation could be the most challenging."
* BOJ are reportedly still mulling their january rate decision, with no move yet confirmed. It is suggested that BOJ will likely upgrade their supercore inflation estimates, but they are yet waiting for more data and are watching the ongoing wage negotiations.
* UK terasury minister says no need for emergency intervention amid GBP and GIlt market sell off.
* GBP fell yesterday to 1.226, bond amrket sell off that pushed yields to 4.921%. mounting investor anxiety over fiscal policy, with some comparing the situation to the 1976 IMF bailout era. Economic uncertainty remains high as stagflation fears linger.
* China is looking at implementing a space based solar power station. The system could generate annual energy equivalent to all oil reserves on Earth.
* PROJECT LIBERTY BIDS FOR TIKTOK AS U.S. BAN LOOMS | r/daytrading | post | r/Daytrading | 2025-01-10 | Z0FBQUFBQm5teE5QZjN1UmFDOThOZXRpaXMtQTlqbmJUR2ZUc2hQZlc4ckVaeDZGbFFiZkNzMkUteVQ1cmZLSGdEajdHQm9sV2NwQi1zcDhyc2pNY3NOS2pFczhra3hWQlZPRHBrZ3ZYYjN6ZDVJSzY4cVVhek09 | Z0FBQUFBQm5teE5RUG56ZlhRQXdaSm96bGM1V0M4anR4MS1URTZlMnRzZkNPSEZQSlBDSVUteDZ0VmhQbkVDUnR5VVkzQW5xeTdXWnlERlQ3UHNCZ1BHTzBaZ3Q2djd6VTJDai1YUkxzTlRodmtiQzdJcXhjQzlNTzJOOGh0cFA0SV9zNDJlc1dPZEJHY0NCNWVZLU5CbVU2Mml4U3BacVZZc0E0d0dfejdHSWtVRFl3LXhuNU9MaVd4TWxhM3ZkNWtVSWx2dWx2cG1LNTdSRndnYXRMMmxmSmdjM3hfaHhiUT09 |
Here's an extract from a longer article I wrote about paying for Mullvad VPN with Monero:
...I will also describe how **payment for a Mullvad subscription can be done with Monero** (XMR), which makes using Mullvad VPN entirely anonymous, as it does not require an email address, username or password.
\[...\]
On first purchase, I was surprised **not** to be asked for identifying information, such as an email address, a username and a password. Instead, Mullvad VPN works with an account number, which reminds me of the use of license keys in audio software.
\[...\]
I want to take a moment to pause and consider the simplicity of this anonymous transaction mechanism. It makes me wonder: Why don't more companies sell digital products in this way? It is clearly possible.
In a physical shop, anonymous cash transactions are (still) accepted. When I buy gum, or a newspaper, I don't need to give the shopkeeper my name and address in order to take the item home. But in online commerce this type of anonymous transaction is so rare, that when you see it in action, you're surprised it is even possible.
It takes is a willingness on the part of the seller to stop storing user identifying information just because they can. A given user can always reveal themselves at a later point, should they need support with the product, for example, and this is how it works for Mullvad subscribers.
Combine Mullvad's account number system with the anonymity that comes with physical or digital cash, and you end up with a unique experience: a legal and fully anonymous transaction for a product that you can use.
It is possible to go even further in terms of anonymity, and pay for your Mullvad VPN subscription in hard cash—you send them an envelope with your account number and the cash, and your subscription will be extended. But it is also possible (and easier, and more reliable) to pay for your VPN subscription with digital cash.
**Paying for Mullvad with Monero**
I've [written about Monero](https://theprivacydad.com/blog/?q=monero) before. While I don't really need cryptocurrencies in my life, I became interested in Monero through privacy podcasts and articles.
Monero, or 'XMR' as it is (or, was) called on exchanges, is a ledger-based digital currency. It is my understanding that currently only a handful of cryptocurrencies come close to providing the anonymity of a physical cash transaction, and Monero is one of those.
Monero is appealing because it has a vibrant community and a relatively long record of stable development. You can of course never tell, but, having spent a number of years following its development and participating in the communities, I feel confident Monero is not a cash-grab or a scam.
I learned how to use Monero, and created digital wallets for myself and family members, including the kids. During one of my restless tinkering spells, I set up a Monero mining rig on an unused computer, and it continues to run to this day, churning out symbolic fractions of XMR each week, if I am lucky.
The slow accumulation of mined XMR on that old computer is sometimes *just* enough to pay for another month's subscription with Mullvad.
You have to experience it to know, but it feels groundbreaking to be able to pay for a legal digital product without disclosing your identity, and with anonymous digital money that you've mined yourself. Very satisfying, but also important. It proves to me that **this type of payment model is viable**, and therefore presents the possibility of a much better form of capitalism than the total surveillance nightmare we are nosediving into today.
If the anonymous consumer transaction experience were more common, then I *would* have a practical use for Monero or any other private cryptocurrency. At the moment, however, it appears we are headed in the **opposite direction**. We'll be seeing the roll out of Central Bank Digital Currencies, probably in the near future, which is a form of digital cash that has customer and citizen tracing built in.
\[...\]
I want to keep experiencing the joy of fully anonymous transactions. I love that Mullvad VPN have forgone the possible benefits to them of [keeping track](https://mullvad.net/en/help/no-logging-data-policy) of their customers.
I hope more products and platforms will follow Mullvad's lead and stop requiring user information and data, just because they can. If this type of transaction were to become more mainstream, it could lead to a healthier Internet and society.
[https://theprivacydad.com/paying-for-mullvad-vpn-anonymously-with-monero/](https://theprivacydad.com/paying-for-mullvad-vpn-anonymously-with-monero/) | r/monero | post | r/Monero | 2025-01-10 | Z0FBQUFBQm5teE5QSGY4c2dPY0tqaDVIVUliOG5wVFFSTGxPWl83dExmNEltcGc0LXRTQW5WdFg5S3lCZEFGcUdmQVZaR0ZoWVNwYjZ0TjRoODdCdDhiMzJONE1xSldqV2c9PQ== | Z0FBQUFBQm5teE5RejRENTZnbVZ1M2JadEZBRlRMMWtTOFM2UFdHU0NZUVEwS2NTTGhOVFNkTGI3dDBSdzhKU3JpWTZKdkw3SVhOVEc2TVBlbkJ2cTVqeFJrMlM5ZzBIeUphWGx3V2RlcDhrQnE1eUpSVS02dlVpbFpxZG9YeHZCM2FMUnJULXlxYmwwWFhUaVNGVXVkWnVDSGtOY1lZajE4QXJMWkhJRzRBbUZsMk5SZDRCSzZZPQ== |
Morning All,
Anyone see on the news about the SOL Heaven Bank for spending solana as a normal card like apple pay etc ?
I found it quite interesting, dont know if we can post links on here but if you have a look online, you will find it. | r/solana | post | r/solana | 2025-01-10 | Z0FBQUFBQm5teE5QdVpWTktFWEl3eWxhc0dlaWpMOTF0OEdaUVdLdW0xTE90V1JIeS1mRGJHcVRqR0JHMndkN1Z1V2laTm5vbmlMbF9ZZF93TGVrSW05Nm8zQ0h1TEtDRFE9PQ== | Z0FBQUFBQm5teE5Ra2RQUE1sN0ZobDgwRzUwX05fVDBZajZVek5Lc2JIdlZHZUR4LUFZRkxpcWpTYjcwdFFlSzJSOUNiZS1IdzNNOWI5dXZuMXcyU3ZrWWNxSmxwb2xURk1Uc09xeHI5dnB4ZnI3ZDhUX1FjOXl0YUpOOEpYUDM2THpLSzhwSjNqdWhYbS1rVFpDLXUweVgyT2FPS0M4eGNKM2NYM1hyUDlXVWdkRHoxb1VxM3ZvMkxLQTcyRVk4LUJIcDFRNU51RWhq |
**TL;DR:** My parents want me to take ownership of and pay off their house, that I don't intend on living in. It's a valuable property, but I'm worried that doing so will seriously impact my financial health in the future. Do I take it on just to acquire the house as an asset or do I let them sell it?
My parents took out a mortgage on their house eleven years ago for around £300K. They've only been paying the interest ever since, which means that the entire principal remains to be paid. Their mortgage term lasts for nine more years. There is no chance that they'll be able to pay it on time because my father is no longer working (and likely will not be able to work again due to age) and my mother works a minimum wage job. They would like me take ownership of the house, refinance and pay off the mortgage, with the benefit that I'll have a property under my name.
The house is worth £800K right now and is located in a high demand area in London. It's in a state of disrepair due to unruly tenants and we estimate that it'll take £4K-£6K to repair it. However, I don't ever intend on living in the house. This will not change: I don't like the house due to poor memories associated with it. My parents intend on living in the house for the rest of their lives, so at most I'll be able to rent out two rooms of the house once it's no longer in a poor condition.
I very recently started a job in another part of the country that pays £55k p/a. Despite being a disciplined saver, I currently have no savings due to the fact that I've had to bail out my parents from debt before - they still have a large amount of debt that my brother and I are slowly working on dealing with. My brother can't help with the finances as he has a mortgage on another property that he needs to pay off. I wanted to spend a year building my savings up, but having a mortgage payment to make *whilst* paying rent *whilst* dealing with student loans (of which I have a lot) sounds like it's going to be very difficult. My dad is adamant that taking on the mortgage and refinancing so I have a property is a good move as I'll have half a million in equity, but again I don't intend on living in the house and I won't be able to rent it out for it's full value. I'll just be paying off the mortgage for my parents to live in the house with essentially no benefit for myself until they pass away.
Does my dad have a point here? Yes, there's a valuable house on the line. But is it even worth it? I've been burned severely by my parents poor financial decision making in the past so I'm extremely anxious about taking this on just going by my dad's advice. If it's not worth it, I have the option to refuse to pay off their mortgage and let them simply sell the house and find a cheaper house to live in with the sale money.
**EDIT:**
First, thank you all so much for your advice. The resounding opinion is to not come anywhere near my parents finances with a ten foot pole, which I am so glad to read. I really, *really* didn't want to pay out of my salary for the next thirty five years!
My father isn't malicious, as hard as that might be to believe. He's just ignorant. He's convinced that he's going to pass away within the next ten years due to his poor health and really wants to me to inherit something after he's gone. He genuinely thinks that leaving me with a property (which is in fact my childhood home) is the best way to take care of me: in his mind, I'll never be able to get on the property ladder with the state of the housing market and so getting the property sorted for me is his way of contributing to my future. In the nicest way, he's a man with a heart made of gold but a brain made of lead. The road to hell being paved with good intentions, yada yada.
The biggest challenge now will be to inform him that no, getting this mortgage is not a good way of providing for my future. Given the excellent arguments provided in this thread, it's going to be significantly less difficult than it was before (although still very difficult due to how insanely stubborn my dad can be). I'm sure my mother will have no qualms moving into a smaller flat (less cleaning). Before, when the debt situation seemed completely untenable before my angel of a brother stepped into save their asses, they were considering selling the house anyway: they decided against it because they thought it would deprive me of an inheritance.
So yeah, long story short: *I am not, in any way, shape or form, going to contribute a penny towards this mortgage.* It's not an option for my parents anymore.
I can't express how grateful I am to all of commenters who gave me advice. There are a lot of comments so I can't respond to everybody, but I'll do my best to use the !points command and upvote everybody I can. If it wasn't for you I'd have sleepwalked into ruin and compromised not just mine but my partner's chance for a property of our own. This is an excellent wake up call to get clued in with finance: thank you. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-10 | Z0FBQUFBQm5teE5QdmxKX2c4MHd5ajNSWU0xQmlFZWRaM0JOM2s4dkJwTWczdHZxcnpOa1dIbHY5RDdGMHRwbmhmb3VMaEVsUW5OdDIwSFhVSU1RWVFMTkZYenltanppbGVqbFF4Z1VlQWpsb3I3amxCQXBwLU09 | Z0FBQUFBQm5teE5RZFE2TmNpUDNGcGxqX3VVNWZTR093TXEtbzQxZUZDZkkzVUJoQld1SDFxaGNvRGtqbWxYMTJEUmxZQk9XWG1QNFFjYjk5ZGc0TVFuS0lxV1VNNmNydUlpODgyNXlNd0VVTksyeVZHR2JzYWlXcVhRVFR6YnNSY0FoN3RoakFmaHJMTnhScWJoUXJMaUJSeFR0TXllTmxOSjNJNUdvRi1CRTRGTzZHUVlONjltbTN6emtpSnJUUmVZS0t4aW15UGlRazZqUkF1S3NES215QXNhejB2NVBydz09 |
I understand that weight copying has gone since an update not to long ago. This was a really big announcement and something people were pushing for a while. But I haven't heard much since.
What happened to those validators who were weight copying? Did they switch up and start doing the actual work? Did they leave the ecosystem?
How's the update affected the ecosystem? | r/bittensor_ | post | r/bittensor_ | 2025-01-10 | Z0FBQUFBQm5teE5QY1dTUUlnenNfMkdlZVNGdjFkd2RPbkkyTlVvNFBEMzctUUVSWGtsVWxiYXB2eW5xand3QjlhWkEyMldzQ1hhN1p6M3g5aWR5UUxaVm9pUmt3Nm9Xb25nWnlSQlAyRzJsUlNzelhCTkJ6WFU9 | Z0FBQUFBQm5teE5RTGh5bHVDbEF3OVNrWllSQk4zMWYydFA1eU5oemxDcldYWHMzcVBtSFh5M2U0Rzl3UnZPWXdOdmh4R29LYkRieUZFdms1UUMxbWZaeTRyQi1mTVZ6MHJ1bnZES2M5d1dUMERPLVViZkxXZGtMNWNMNFpYY1RVcktnc1d5NlNDSm1LMFNZTEFMaDNBbXR1TFBrYU9ZMF96aDBFMHZkeERkWDBYS1RBYjgwVzdfSGZrUHk0U3BIc3hRVUZSMy0xdngyMVV2RTJISC1rRzltQVlPS0VzU1kzUT09 |
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*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/zilliqa) if you have any questions or concerns.* | r/zilliqa | comment | r/zilliqa | 2025-01-10 | Z0FBQUFBQm5teE5QX0hMdWU2OEJrS2FqdHc1dGpYNHNLQWtYUmNGZkJjRUllcl9VdDNFUnM5TnBBYkVSTWRtLXhXel90RzBFeHIyNXdBRWVVOFRudVRmSkVyRk1lZTB0bEE9PQ== | Z0FBQUFBQm5teE5RbUV3VWppaDdXLWQ3TGRRb2hLM0hWVmFfanhicktjWmdvdy1LN0xOYUdEMnZJNkllVUZLdlEzYTJrS19LVFZ5di1rV3p2NWVqMWdRV0gzRnFVLURxWHVJSjdiaXdsZ0JTUlkzbzRtU0ZPS1ZMWUxIMkdmTUthODBjOFVPb3BRUDhxT3BjSUQ1M2hNMF9KTnlRQkpFajNLZ1EwcDkzUFNDbUdhOGZ3WVhFcER1N3R5STdxNmxYVng4SGwyUUJ6SkVj |
Sharing my experience because structuring your life in a way that supports FIRE can often leave you wondering if the grass is greener otherwise, or at least it did for me. This may not be a universal truth. If that’s not your case, hats off to you for staying true to the long term plan.
I’ve worked since I was 16. Got a great albeit exhausting job right out of college and saved heavily. Became self employed 4 years ago, worked my ass off, and in 2023 it finally came together. I saved more that year than my salary would’ve been at my old job. However, entering 2024 I was miserable at best but more likely depressed. I was overweight, stuck in a terrible relationship and living with my ex, and barely had enough energy to work. I finally realized this was no way to live, packed what I could fit in a U-Haul, sold the rest, and moved across the country back to my home city.
I told myself 2024 would be a year of personal happiness and savings could wait. I understand that was a fortunate option to have and am grateful for that. I rented a beautiful, expensive apartment and told myself I’d say yes to anything that would make me happy. Friends want to take a vacation? I’m in. Someone wants to go to a nice dinner? Let’s do it. I contributed to my retirement account and kept some money in my business, but all modest amounts.
I’m now the happiest I’ve ever been, but I learned that the excess didn’t bring me this happiness. It means nothing. My personal growth was achieved through connecting with myself and the people I love, mindfulness, exercise, hobbies, and living a peaceful life. My happiest moments last year were all free.
My point is that if anything, FIRE can actually make you happier. Keeping up with the Jones is draining emotionally and financially. Find the things/people that matter and put your energy into them.
I just sold my expensive car and will take public transit, am in the process of applying for a mortgage in a more affordable neighborhood, will get a roommate even if I can afford the mortgage by myself, have only eaten meal preps all week, and I couldn’t be happier about it.
I hope my experience helps. Best of luck to everyone here this year. | r/fire | post | r/Fire | 2025-01-10 | Z0FBQUFBQm5teE5QLVZHSjUyUUhmUkxnNWU3bkZzTTFEaW5IV3FpUWVHc1ZvbUIybFZNMjRFR0VaRS1zeWNueUFNX1ZsR3ZWbmVEVzBpb2h6NU1FMlp1cmxjemQtMnZRU1E9PQ== | Z0FBQUFBQm5teE5RdUc0cGVVajBDNDZYaXdVbmhWQzBqZVJ2QUJFTGNFczEteW1IQWZOY0t2V2g4bFRrZXhoeGh6eGlWZi1rUnZtaWM4X2tWc3ZOOGpxUWNQZzA0UFN5M0FZbFFOLXViVDdadVZFZHJZUmhjM2NHOUJ0S09YTnhrX2VqY2tVOE1fWmhTa1VIZUswX3RGMTYyZGlqQzZGY3dPeC1oSzVONmlzWEYtX2drTDZEM0NsTWxnRUJXOS1UOERiQXQtc09aRDd3 |
[https://monero.vegas/sportsbook](https://monero.vegas/sportsbook)
All Monero loving football fans! We're excited to announce the addition of Over/Under 2.5 goals betting to our sportsbook. You asked and we delivered as always.
We'll be expanding our range of betting options in the future.
Good luck!
Disclaimer: I'm one of the developers.
Another Disclaimer: Our services aren't available in the US. | r/monero | post | r/Monero | 2025-01-10 | Z0FBQUFBQm5teE5QXzlVQWExcGtDbWxWcm1BRGJVYUhjdGItTm5sMklrRDQ1dk1GNVo5VEtCQVJoeGdXRFpvRy1QUEdHLWF3NmVtY0dqcUZtcXJIVDdFb05YWThhOWE3d1E9PQ== | Z0FBQUFBQm5teE5RUWRmUGlwSVMyY1F3TmVQeHNFWUozQUktcEQ1R0dMd0FkODZNRFViS3hBRzlUdkM4TWZUdjNsMjl1ZmJfU1FGay1WamZrZ1VyQ3dUX3J6dXJ6eVk5d2d1WGgwUm9veTkyTzk2Wm1YdFRyOHFKNkxYeEdqTmhQSEV1NUJqSC1ESHk4dGtCOHI0cmVaaGVfeFo3MGZTbWNzcHdUV0U4YnM4N29veDU5YWNnTTQyV0FQejc1RnhaWGZENlF6d3hHcGg3ZjFJQ1BvcGFjMWxSMF8wLVRzQWhmQT09 |
Hi. I keep seeing posts on here of people saying they're in their early 20's and want advice on how to save/ spend their savings which are often in the realms of 40k to 50k.
Before I go on I would like to clarify this is in no way a criticism of these people and I am not jealous of their success either. I just would like to give the average UK guy/ girl a more realistic view of finances in 20's - seen as average salary in the UK is still around 30k and renting in cities often will put you back 800 to 1000 a month.
I am 27M , worked for 4 years as a structural engineer following graduating University with a masters in Civil Engineering back in 2020 and have managed to put together a total savings pot of £14,500 during this time. This is with living normally, paying my rent and not having any particularly expensive habits.
I am thankful for being as lucky as I am to be able to save this kinda money as I know for a lot of people even this amount would be difficult to reach.
I'm definitely not the best person to ask for financial advice as I have recently quit my job and am living on the above savings while i travel the world for the next year.
| r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-10 | Z0FBQUFBQm5teE5QdGVYREpGMGNtNmp6NjV4YUVQcmlaRzhTTHdtUVN2aWQ3azIxV2RVSlJzUVM1YnFVRHVwXzZaT0k4NFJsOVMwT2lWRTc0a3VBQ1dHXzByX3B2SzJuaE1FRm0tSjNzREJEMy16NS1wNGNsMlU9 | Z0FBQUFBQm5teE5RdUpHVDY5MWVLNnFlTlB0UENSSVRubFhhakFhRU1hNUVid3R4ZXJiQlRWMldQOFdzTG1TRFpBbkRyV3ZnQ0lESnFvODlaOWhTYW55TngteDhMckg1emJ2clBSOHpKSU52SUpwRUN0R3JQUzZqWHI4OWhwUUw2NnhaX21ta0d4T2o5WUp0cExGT0Rtc0hSSEZVM0M4R3N5d1ZkX3pwOEczQXc0ekZaODFTdHcySXNoaDFjRWY0SzFiSXlGb2g1dGRieVZIeUFISkhWWnliRmI5amNQZ0J1QT09 |
So we run a new pizza shop. The kid did not like the ham we used (a top quality expensive Italian ham) and left a one star and a nasty review.
Should I respond? We are surrounded by 3 schools and don't want them to gang up with the one star reviews. The kid is 12ish...
Any advice to ponder greatly appreciated! | r/smallbusiness | post | r/smallbusiness | 2025-01-10 | Z0FBQUFBQm5teE5QN3dtTVFxV2VydDR1M29wS2hOX2R1eVA1dGd3S1h5bGlQQzByWjhXLTk4UHZkc1lHQWFaaEprcmZYTl9fdVE3X21RUHN1eHl6cW96MzdFOUF0MENvX0E9PQ== | Z0FBQUFBQm5teE5RekwwZjlYa1l6YWRxdlhYUnBXUVc0RTYyelpYb1gyN242ZUt6c2xqLTJGVzBBaFljT3Z4Zlo4ZzFnSDVTbk1wN2RyNHAwX1RCNFRNdnU1QUc1MnJzcnlaTGtZa0RMYlZtQVhtcjhjZTRnbjdoSTlOOFYzQ21BWGlsMWREcXc0a0JsY0xmaXpvczRsM1pocGhOSkNkZFJDTGJwMkVsV01CRGluY0JVYm5FR1RFanFRcDZrN1lHaFhMci1OUVFCaVhS |
I’m a beginner to stock trading so this was a nice surprise today! | r/pennystocks | post | r/pennystocks | 2025-01-10 | Z0FBQUFBQm5teE5QQ0lyME4xdE9wZnlwMWlYSUhLYmhIQzZqTlNwMzJkbzNqNENYQktLUE1VT09mVTlhQlBrcEdxVmxaMFc0NmVuWnF0Mllsb2pYcm1tSzczTks4ZDVTVGc9PQ== | Z0FBQUFBQm5teE5RSUdOWWx0S0trTDk3LWtwb2VObzE3c2diTUUxZ2xGZ3ZFX2R5Y2UtVWdqVEJPMVUycHNnbk4wRXJIbjFYM2JGX0JFN29iNk5RYkJibXBVN3o4bHF0VzFwNTkzMGJzaHlrcEFyLU1FOXI0Y194M3ZueTI3Q3VpT0laYVI1N29lOWgzMmV1UVVXWm0tQUNlT3VMR3V6Nl9YZkl3b2J4aU9CbF9heURhSlVoTVJZPQ== |
Like many of you, I don’t have many people in my life that I feel comfortable sharing my big FIRE milestones with.
Unlike a lot of you, I went the route of real estate investing to achieve financial independence. I’m super excited to share that 13 years after buying my first property, I achieved $200k in cash flow last year. To celebrate the occasion, I made a Sankey diagram to share with you all:
https://ibb.co/QMfdChN
In addition to the rental properties, my wife and I have a paid off house, paid off car, and about $1.4m in retirement accounts, brokerages, and savings.
I’m planning to leave my job and take some time off before deciding what to do next. I’m really burnt out and grateful that reaching financial independence has given me the opportunity to pursue new things. My wife likes her job and intends to keep working. If she does decide to quit, I’m confident the rental income can cover our expenses of $9.5k per month. We are in our early 40s by the way.
I hope my story can help inspire you on your own FIRE journey. Best of luck to you all.
Edit: I’ve had 68.5k views on this post but have yet to receive a go f- myself. Will someone please say that already? | r/fire | post | r/Fire | 2025-01-10 | Z0FBQUFBQm5teE5QZlVGV1pzMXJJaHpZUWN5YzRaUUdkWEtCeW1kMWVsV0lmdTlta3JELWZENlNwZDU5eHVlMnpnQVJRNHJUQ0REYlVsdGtMbjdaYVNqNEd3dk5LZWprZ3ZVdlB5Njl0VXFkMVdKX2w5amlQQ1U9 | Z0FBQUFBQm5teE5RS0dNN1NqSkR2SGI1bU1ua2xTQXRkWVpISVRwY3RrSzJ2ZWVDdDJ6dFZhdlg2SDE5NXBzcDRmeGpCWGlFdGRNdThDQ1BLOWdHcGZzamRzbElVZjl3MXN3cGVRVUdQdUtheHFnclJ6ZTZyU2RiQ2lXS281SjlNZUhsUHRLMWZfclM2ZEZ1ZVBGZUEwSnBpdmxCWWZRNnY3NTUzbnF2cEhKM09XOE5FQW16eTd2c3Y2VEZGNHIxWFhFckFaQXZSUjli |
I know. I know. I know. I am going to get shit for this, but I'm being honest. I'm most likely saying this so that I get told I'm wrong and it points me in the right direction, but I have to get it off my chest.
I lose things around my house all the time -- I'm not irresponsible, it just happens. I have a safe. I keep passports, birth certificates, etc. in there. But from time to time I need to access those things, like a passport. So I get them out and take them to the study when I'm getting ready to go on a cruise. Then my kid falls down the stairs or some other instant emergency comes up and the passport sits on the desk. Then I have to make dinner. Then mail gets put on top of the passports. Then mail gets shuffled to a counter. Then 3 weeks later, I'm looking for the passports in the safe. Then I'm like oh shit, where did I put those. This happens. What if I lose my private key or \[seedphrase\] this way. Everyone has heard horror stories of the hard drive that got thrown away or the key or \[seedphrase\] that was misplaced -- what if those people had just kept an online wallet?!? Maybe they would still have access and it would be a non-issue.
That's my fear of having a cold wallet or \[seedphrase\]. I know it should stay in the safe. I KNOW IT SHOULD STAY IN THE SAFE. Or it should go in a safety deposit box in a bank. Well what happens if it somehow isn't there one day -- those boxes aren't insured. What if it just goes missing!? Well, I should have multiple keys hidden somewhere shouldn't I?! Well what if my kids find them, or I forget where they are, or ...or...or... I just keep thinking about everything that COULD go wrong.
My point is that, I'm more worried about that happening and I don't know how to get over it.. How wrong am I? How likely is it that I will somehow get screwed by online wallet (not on an exchange) or hacked somehow? I really don't know and that is why I'm asking. Is it inevitable that I will get screwed if I maintain an online wallet? I realize the answer is going to be who would I rather trust: myself or some app?.....anyways, rant over.
Edit - added \[seedphrase\] | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-10 | Z0FBQUFBQm5teE5QU25uY3Mzd2FCYWRBUEdpcEVKZUl3TXkwREZrVm1ReXRVdERnbTdTcHdGMkl1WnJlQ1ljNUhKYmNBS1hXZTF0R2Q0Vkt1ZUhXcGNTck90eTA5VXI0ZkE9PQ== | Z0FBQUFBQm5teE5RWXBwQW5CRzJrOHlFamhWMFlpNzJKcUtEN0NjNXBLcWhULWFzTXBZdkx4UUpTSlpHdTF6SlQ2VjVxU1dhRzZwbndhM2piTTF6RTc1djBfTmJad2N0VWVZY1dfSmZZd0x3RDVuNUgzeDlDeHdla0k2YXRsSmtjMXdVZ2drMzg5NGR2TmhSa1NhT0hrSVhMWUs5RER0N0Q1YWtPVzhhNkowQ1k4Q2lsUHFwZy1vNGY3ZmtxdDN2c01XVTdySUM2eWoxdjhPX1hTbWg4WjlyZG13TVFFRWRRZz09 |
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*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Investing101) if you have any questions or concerns.* | r/investing101 | comment | r/Investing101 | 2025-01-10 | Z0FBQUFBQm5teE5QcHVOdDJlaEo1WmZxWGh5d0RsRFhOR2c4eHBSNmp5eFhBNkxBVHBRQzRIaWt5Xzk0QTAxUkVnWGJmZmtVTVlXdlJ4b2N2SHFTc3ZWb0dRa1U1Q0Nzd3c9PQ== | Z0FBQUFBQm5teE5RSmNJX0poNW9pYVpQWHlETzU4dlphT0VyWmhMN2tDMFBwZldLU01Ya1hUcWpLeGFHamF4RFJjTDNub183a1UtVWs1ZmNZdDNKQ3NvNzl4Qk5hY29udGk5WGd1Y0owWWtPVEY1T0hJX05vbXQzMDVmMmtJaHhwTVZhRC0xQ3lnempIWjRONXBjLXFQM2dWNi1xQjJaYkZwMF9TZ05YbDgySnpwS1lnYlAxSUlDd1Q5VU16cV9vQ3Faak95NjFzeXQt |
Absolute pain | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-10 | Z0FBQUFBQm5teE5QWWhzYlB0UHo3MVRORkh4VTk1ZEd5VGxvRF92RFVuVFV2elkxd0ZhckxiNUlZcFpqUWpTdHVLOVdlYjMzUkdLU1ZnWnpPS0dRZlMyaHBlMW9CTU8tS1E9PQ== | Z0FBQUFBQm5teE5RdmhLVXg1RzBmQWVLRG04ZW1FX1lWczJGWnZtdGVIaFN4ZjBzUUtwcXR0SDNBQmwzTTBXeTA2N2c1S29oUlJfd2ZxbGc0TTVzaERaalJFOElrZXRiWmRKOFZlRHhUSEkyZjlsSWdHZGVKU1VNeUpBUDlQdHdNa3NVSHNpVGlVYUlaSmVCTmo3NDY1N2lyQ0VYOGdaYzhjZy1TVGxYaDQ2ZlAtU2xLVUd6UEl4SGNqYy1VSWJtM2FYNnJBby0yUGMxb2l1ZXBSVjFWNk01TUdjRmNEUEtOdz09 |
I have an algorithm it uses tight sl/tp so any slippage kills profit,
How would you scale such an algo (increase position size) to make more profit.
Edit: I do realize there is no magic solution, so I'll ask a better question what are the ways to better predict volatility (in crypto) or zones in which price might move quickly. (Less consolidation) | r/algotrading | post | r/algotrading | 2025-01-10 | Z0FBQUFBQm5teE5QV3R4a2VJYkg5Nm5qS2UzY1FJVG5OVS1Xa2V5bmVPdzJETnpjWFlINTd2aW41Zlo4b2Q2SXBnNlU2U3RmQ0h5ZC1wOXlWbmZ0dHNLU2VGMXBLLS0zNFE9PQ== | Z0FBQUFBQm5teE5RbHRfWXdRM1d3dkYzRkk3NHpGdm1kSWZqMTRSQ1FUQ0RPNmpPYS1JNW5TZDRlU1dfcHJOTnV4U3VzSE5sMjA3VVJ3U2Y4R1F0VjYwNnVlRzd1eElhUWxUT3EyRzJHT2FxcmQ0U3lsQU9fdG8wVnRWdFl6UlNLb3I3bmk0Y094amhQNFBFWW4tTHNCa1lkckxYUVhZN0ltWU1EeVBHWEtSRWhnQURJM1JHR0swPQ== |
I’m using Guarda. Hopefully they are in compliance! | r/zilliqa | comment | r/zilliqa | 2025-01-10 | Z0FBQUFBQm5teE5QcjRNdzQ1Q3N2UWFoeTBOTk0xZDFGTk4wcXgyOEhEWlgwOHRpb1N5cWt2dC1wTUxKMWo1X2F4UnVFQVFBNWtMOUxKeTNZR2NIZVk1Z1dteHgxX3dza2c9PQ== | Z0FBQUFBQm5teE5RT29kSmZxemJ1TkxxNHI5WG0zQWY4V1Q2US1NVWlMS21xeGFLa1hnVjRMdkRZNzNkQVh4TEJSVVk4cjJyMFpHY2hJaFFPaW9CMTl6TUExYkpYMjNVOVBnQkdZdi1GekZjdlFkVldhMUQ1MlBCekpZV0d3WnlZaEhKT2Z3enkzOUh5N0JTbE1FVmxqWlliVFVJYVpWTUJmeXkzSTBZaXBoVkJZUVpUNmdsYXJ5OWN2Tmllcm5SeDZjRWRHb0hsSFE3 |
Guarda doesn't run a SSN. So it doesn't impact them. They are a wallet provider only at present who allow Zil staking. | r/zilliqa | comment | r/zilliqa | 2025-01-10 | Z0FBQUFBQm5teE5QbHl4NXFJd0I0Mk1YaDdxaVV6RnJNSEdfeDZUR2dEVTliOFNrbTFwaTJ3UUpybGxoRllyV3hwb3JmZG5tcnljbm9NVmNVUWI5NlVkc0ZVcGk3YjNtcWc9PQ== | Z0FBQUFBQm5teE5RazJhXzU3OTQyZXVzeGcxUHF1azZlQnY0LVpXVXk2Q2FTU2dQYXR4dVo1MVVJd3EwMHdiRndQZkRRU3hXLUN2RDRRTDNXSlVpa0dhTExhNm1ReVRQSnZmSVUzMU9qWTJ0X2s5YUZTOW00NWJQQ0lkUDBWak5tSkk5TGo2R0x2QWtmMGVIbVdkbV8tcHJtTXZsZVFwMnFhaEZBUGcwSi0xRjlsN0NjTFJjb0VoNmxZcVdsSmNiY0k4NVBfblF2NVRn |
Polkadot needs to go hard on JAM, it should spend some treasury money promoting JAM. I didnt agree with failed and unresponsible spending for taxis, billboards and sport teams.
But if there is one thing in marketing i fully stand behind is JAM launch, which i havent seen done anywhere. We need to create hype and attention on this big release
Also Polkadot needs to better its efforts as a leading web3 blockchain that it eants to be. SUI is a leading contender https://x.com/raoulgmi/status/1877722706906407397?s=46
This is a race guys, its a competition, its serious, no place for neglegance and lazy people. | r/polkadot | post | r/Polkadot | 2025-01-10 | Z0FBQUFBQm5teE5QSWh1U3VFMEk2NVVtRjVTeW9LZHZzbzZHYmstNjlFRXN6Q3VubHByemUxQ05NdGlRYjBOQzlpdWhhSUFDLW9ETDdwZTcwdjlmUzlSSlphSVpUanVhelE9PQ== | Z0FBQUFBQm5teE5RMFEtUWktR2hrZlEzYTFTd2FQOGd1LTRzZmVIUFVkb1FHa2FTN29Hc1hNeFJaX1A2YkgzaFpqYk1tMnNOSVhEY3ZaZzZYLU1MY0FzTmNWMVd3M3RRdUFDcW9fOWdyS2NNQU5NQ3ZfSDhLcVdmWFR5ZDRKcUN2SWN1RDAyMkg5UXp2NHpFaVJucWRIYnhGWGdKQVViWFEtZ2kxX0p6QjFsa0VqaTBBT2xpY0VLTGxXM19ISlNockNaYmNLY1dWbk1kWTRyMHpKeTZnWFYzYm5ncEQ5MFRmQT09 |
Got GOOG, META, and SNAP calls.
SNAP has been battered down the most and has highest upside, in my opinion. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-10 | Z0FBQUFBQm5teE5QX01FUnVOZXphZWR6Tl85S1hNUWk2bnI0VS13RkFhSGo2WnJXTHJmYm9QN3FJdUFoX0dHcGx5d3VYSzQ1TVBLUFRDSTI5WUVya0lkN05KMURJWjZYalE9PQ== | Z0FBQUFBQm5teE5RZzBhYVVnbHF5QVlRaGhNRlJ6M3RGT3pOVS1EZjh4cVpteGd3N1BfeGVHNUhINS0wS1VrcS1NNTc5OHJna3dwQ0RTU2tDdmk4SEtTY2lfTDRGc0VOZncxUmh0WllDSFc3LXNITUZrOWJYcGZWdmhSalE4YVRZZE5DZWZWYkRtOGF5YzdleVM5eGRmWlJLMDQ2c2JsZmwyZnFUa00waXk4MWhOMzRzWEFWdG9CLWd4alVQM05qbG4tYmt0NzYxZ1BBYlp5WWt5UW1sZUxZcFFWZWdqcUNIZz09 |
Great! Whats next?!? | r/zilliqa | comment | r/zilliqa | 2025-01-10 | Z0FBQUFBQm5teE5QcUR0MU45OVdwdUQtT1lHa2M0Vnh3eU1vakU0UTh6Nm5td1RvMFdKMkdIUkotWmNHbDZRNllSbHNneEppQ2RSVTNoLS1JQWxNbTZkUExPbjJEa2JlVkE9PQ== | Z0FBQUFBQm5teE5RVFljUEk3RG1USkE5VVdQNVF0QjhmbjlpcEN0SXkzTUZDeTZBRk1NOExtQ01BLUx5cEItdkYyTkl2N2NyODYwOF9UMmZwRGdNQTBYUndPRlZDY3B1Yk5RNFZKaWY3NVVYVWs0SUFQbG5fY291WExnUWVyZHI2M1pTYW1MQklyQWFtc3pab0d2OW1WamVjTTFCcVF1V2NaaGd4Rk10SjBhcDc4dVNJQ1ZOalZkV1ZRNjFKNEdUR2NKRWRncEVuYTZEdXdkYUY4dUhvZlRfSGVYYUpkM2liQT09 |
What is everyone's target price for selling XLM in the future?
I can hold forever... but would love to hear what others plan on doing.
I'm at 1,000 @ $0.38155 but continue to buy the dips.
Looking for other's input.
Thanks! | r/stellar | post | r/Stellar | 2025-01-10 | Z0FBQUFBQm5teE5QYTJNQUpJOWt5UjcyOXdIcFg0QzRORklUU3NGcndmNkxiNWxsdzdrOHNjcl9VT3BvUnBuSDRnM1piUmxLY3Bubk5oV0xHSXJ3cXNGRGVXQXdRMGVKZ1E9PQ== | Z0FBQUFBQm5teE5RQXRYbzVzaENyZkczdUU2dWRWa0Z2X2t2blpyRlRPUF9FdHBuQnRmWElLaGFXMG1LMk1RNFJXbFZfUGwwM0hVZWp5ZUNqeGNLX3ZKcHRUTTlrRV9sM0pmSFJLOXRCMEVXZFEyZndWdk5fQ05BVWdpV3FIeVpnbjNkTFJtZVdoMmprdEJfQmlQdjZRdlZWcnctVTRmSVQ4eHNaTU4wOFp3QkVZM09fbFpQbFMwPQ== |
Hey everyone,
I’ve been diving deep into CKB (Nervos Network) lately, and I genuinely think it’s one of those sleeper coins that could 100x this bull run.
Here’s why I’m bullish on CKB:
1. Interoperability: It’s built for a multi-chain future, with Layer 1 and Layer 2 compatibility.
2. Unique Use Case: Focuses on secure digital asset storage, which is something most chains don’t prioritize.
3. Undervalued Gem: It’s still flying under the radar, but the fundamentals are solid.
4. Active Development: A strong team and dev community constantly building and innovating.
I know there’s a lot of noise in the altcoin space, but I really think Nervos could be one of those projects that surprises everyone.
What’s your take on CKB? Have you looked into it? Would love to hear your thoughts!
Let’s discuss. 💬 | r/altcoin | post | r/altcoin | 2025-01-10 | Z0FBQUFBQm5teE5QZG1MODBUejBFRG1SMUdJQklxUjhUdWh2OW1KbWVwdWNvZDFRS1ZGWldjeGsweU43UmlzUE5odm1KZUZjS0JaVk1qV3hHR0hWdGNEbU8zMlBuRUlCWjY0cjlXVG9lUi0yZWl2NVFKN25QLXc9 | Z0FBQUFBQm5teE5RdUJhaTdIT2lOVWI2YWYtLU1ZQWk4a0NteXN2VGdiSTM3ZlhKRFh1YjRGd05SeXBPSkU1d0FRZm5LNTA0R3VjRDhBT0lfR2FpYnEyeVB0ZC1SN3hUY1hOOVBoWlpWTHExaXNWbkNucGxSTktsWVN0RV9QWHNPUWlyal9jeUxRZDQwSm5CMGtLUldRSkYtaDlNbWdTWHV2cTdlb2xHYmJGQk1SaXdTTGZvQ3hRPQ== |
Thank you 😊 | r/zilliqa | comment | r/zilliqa | 2025-01-10 | Z0FBQUFBQm5teE5QWGhwMkIwNm9vbTlKMHpGX0lWcFNTVjZxWGZGcUVoTFVYeUtQU2pzU1YzeEY2ajJIcTdxOWJPS2N3V2tZT3FNQXZkM2VYYUV2S2VXV3hmVy1oWnItbmc9PQ== | Z0FBQUFBQm5teE5RWXJjWldQc0RzY2xldktkdnNCdG1KNXVldXl0Njd5alBMZkNJMnAtbmpkOV9kMnctMzExMWs3VzJXV1RUdVgwNzlIcXNMbWhsZTNiSFF4WFhLUktRc25nUVc2Mm50R2NpQlNqdF9sdkU0djlDMFhUNktjaGpQRGVHcUg0SktlM00tWmpyTEFZdEphRVNHcVhHamNZRVpxR1hadFdYczIxMkJjdE1helJ2aEw5TmV5NExtWkNhNFdwUTFKRnYteVBq |
Okay this news made my day.
Mods: please don't delete. This is important news for many of us Schwab users (RIP TDAmeritrade). | r/algotrading | post | r/algotrading | 2025-01-10 | Z0FBQUFBQm5teE5QT1dVdUEwazN0TzBwUDFUWDdvcTEtTUxZQnpUR2RNMF9YMk9WZHN5SXZ4ZVZEd2c3OG1PUVZYSC1lYzZUZnVpZW43TkJjNjh5SjlLekRITVgyLXVWQ2c9PQ== | Z0FBQUFBQm5teE5RUEd6RjhLNVZ1LUJCTXFoRDBMMHotTFBHdjdLRUVJRGFOQlJCVTNETzVNMTBrN0U3cTlka3NzdDBHZl9PcURHTmNwY2V4am5YT0ZLRTZPTm81ZzE5R2ZQWVhDTDlVaUdhXy1WQXFzMExxMW9IRUtlSFFWZ1pNQk9kYUQ2MFN6WFFfUURtdzJZNFVJcjJDTnAtZXg1UVMtM2xBMjNSbFNIRFJNMGNKdlYteEFvbnFkUm9Tcmw0dU54Qmo3aDI0RFdmODRnWUE1V0lnQnF1M0hSWXJydzQzdz09 |
With dtao, staking can be done on a per subnet basis, or on root (like it is done today)
Emissions between staking on root vs. staking on a subnet will change over time. The chart will look something like this:
https://preview.redd.it/7j0l2b1zw7ce1.png?width=1412&format=png&auto=webp&s=89fb942ec1f95cccafa72860bad0101077479096
[https://docs.taostats.io/docs/staking-in-dtao](https://docs.taostats.io/docs/staking-in-dtao)
The math is at the link.
| r/bittensor_ | post | r/bittensor_ | 2025-01-10 | Z0FBQUFBQm5teE5QZ3BBNlRWZGZ3MEFmQ3QwTUVveXJUMTd4V0paRXU1Q0NPVFV6RWk5R0F6S215S1FvM3pGR2ZpNjF0bEJINS01SGZQbFYxZWczMkRRX182RXdTa2VjSFE9PQ== | Z0FBQUFBQm5teE5RRkJhVVdPTS01WHpESEdHOFdEVVg4ODlVZWcxTW45c2o5Tm9JSE1XTXdWb3QwcVVZRl85LWxnY0V1UllYM0wzeVpQaDRZZElkcXVidlNpWVA4VXZsSmlNZWFfNEhHelcyMENqWFNNckNEZWNkRHgwQkRIVFdCUjRzTUlCb09jbENUQmhlZndFNmd4NjgwUURxWjA4ZGt0VFNPLUJsbDJlTWp3eU84RTR4VVVNVjIwbXRQRzItdEZBWUtVQXAwemYxVVVnWWprc05HWDJEMWJTWGtzYURIQT09 |
I’m 27 and finally graduated school and bagged my first ever full time adult job. I feel so late to the game and naive on how to manage finances. I don’t want to just let my money sit in my chequing account but I have no idea what to do with it. Any guidance would be greatly appreciated 😁
Edit to add more info: I have a student loan which is about $25K. I have a TFSA that I set up when I was 19 that I only contribute $50 a month to. I withdrew the money that was in there while I was in school to help pay some bills. My goals are to save for retirement, pay my loans, and maybe save money for a downpayment one day. | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-10 | Z0FBQUFBQm5teE5QWUx0SVR0RWhxTm1lNkVuN3pYQnN4Wlk5ckItU2F4enVKY1pRdnZ6ZTlDUzhUNFZyMlEzQ18tUmpMMHozWUtoUldsek8ybTlLaUlpZzJUSXAtZFpsSUE9PQ== | Z0FBQUFBQm5teE5RY3hpWjlRMTJoVmZmZUxMUUZzWDNaSERYa2RfaVFPTWVtRHpLZFFQeDU3OFFpWHRCUmRLM1MyaE9OS29vODl4WkhFc1R5cFA1ZXpNWkJvRHVjWmM5Q3V0cVhKbzdWZ2ttc1JvZ3hlU2NhVnVMQlJiemhNSWo5TUZEek81ODRxWHpUaGdBY0szZy12bk5uaG1UeXRwNzZESG42WXFLbE03ZGE2VXlhbXAtWnI2cl9LX0Fwc21WZXpaZ18xamNSdFdWSXFUTWJ1Smo4N3VhLWhYSldhUUNhWGhZcjhUdlVCVjBNbF9DcjlMZ3BFTT0= |
Guarda allows you to choose who you stake with. Check the advanced options | r/zilliqa | comment | r/zilliqa | 2025-01-10 | Z0FBQUFBQm5teE5QYURaWEdldzViR0h4dDZGU3RYY2VDVDlJbm1URFhBeEsxTHM2NXhORU1vSzZJWUUwamdHd1pLdXpnRGhPWllQMGFfbVF2M3otVEE2Ti1XMENtOG0wVVZqOEZjX2ptc21jNHpqZDFhMFFpYW89 | Z0FBQUFBQm5teE5RaFoxaTVZNk5IZHgtRjFPcEUzal9sQ3RVRm1vRXJvcU5ZdGwxU0gtMVZBTjlaTkZ1em42UlZURkxOX0hBZXRLeFpuMnFjWWd4WTV3MGJ1eGlOMzRfNFgxajAtMDZ2OHhnNGJRSWNDaGx1a1FFTU5IMjRuUDl5bkRaM25vMkFYR09PRElDWW5rQjI4enFQQVU4Y0tRYVhIdGtyOUFxWlVBSENTUDlkNkJwT1BkeVNUU1lLaV9oa2kxM2poTFE4eF9y |
I have been mining since early December. And after three days I was get rewarded and paid out. However firstly I stored mined Monero in Mymonero wallet and after I installed and transferred my wallet address to GUI, I saw that I was receiving a reward and payout. But six days ago unfortunately and ciuriusly for xmrig, I changed 500000 to 1%. I got lots of accepted jobs in the xmrig console. I realised something was wrong and i should get too much accepted jobs instead of new jobs. Then after that, I set the configuration to what is mentioned on [p2pool.io](http://p2pool.io)
But unfortunately, I am not paid any reward. My machine has been on for over six days and my last reward-based [p2pool.observer](http://p2pool.observer) belong 6 days ago.
My issue is, a. Is my wallet address flagged
b. What can I do to get my reward like before?
I need your kindly advise. | r/monero | post | r/Monero | 2025-01-10 | Z0FBQUFBQm5teE5QbkNSVTl6aXdEM09QVHFQZFVpWmh5bk93NHVRTDc3YXg3elk2NU91LXU1TTFLS3U2dlozX2FTcDlZbzBJMTFfWHBjQ1A1bklCeFVhSmdXcFJqQTl0UHpEUE9icHQ1NHFURGw0ejE3Z2xoV1U9 | Z0FBQUFBQm5teE5RU1hQTjYxMkVhODFqTFF3UmhlYWlxRHhFT1Nsc0VIcFgzWmx6dC1UZ2Rhek9BVkZCXzI3c21yXzNOMGRUYWlfaDBvM3I0cEx1OVNJQXJDUVBQek5NMkVxc2pRY0tTdWEzUGlOSUxWTzN5Qm84bXdPRGFqQjJlUThoSUJWQUgxNnFpM2haREx3YmhiWHpvTGJMNEtkQnMzcTJ3YjFFc1JEc1JuMGE5czYxZkZfckRwVzBDbnRVZlUwSlF3ZzRoelZJ |
I've been posting in here asking about my numbers but I unexpectedly got laid off today. 41M and 39F, no kids, not having any. LCOL to MCOL in Ohio. I was going to RE at the end of the year but found out this morning my job was eliminated due to restrucuring. So asking officially about my numbers and any advice. Looking to be lean FIRE.
Total investments: 1.63M
Paid off house, newly built in 2023, ~350K in value
10 and 11 year cars, paid off, low mileage, one ultra low
Brokerage: 750K
Trad IRA: 471K
Roth IRA: 309K
401(k): 77K
HYSA: 26K
Spend last year was 36K (decorating and furnishing new house) and this year will be around 28 to 30 (including health insurance- just got that today through the ACA). Tax abatement on house until 2034. Budget accounting for that expiring, cars, and repairs could eventually take us up to 48K.
48K comes out to just under 3%. While I was not expecting to be laid off, from everything I've read and discussion with everyone, it seems I should be OK. I've run the scenarios to death and 3.25% is what gives me 0% failure (I know even this isn't guaranteed, but I can't get any lower).
Any thoughts or advice as we enter this new chapter? | r/financialindependence | post | r/financialindependence | 2025-01-10 | Z0FBQUFBQm5teE5QejdENUQxa2s3M0k1R2pMNVdtRGdHdVI4bTZkSXJDR0YxbzJIc0lIZ3c1RDkzeDhPQjMwYWhuY0dSSGxFSVBhUmpBNmstcG5lZW5oWWctWE5RNnd6TUE9PQ== | Z0FBQUFBQm5teE5RZkRDcEpKT1ptMUNFVDMzdXZJdHJwRjlyaGZNVUhSbmVYSXhVM1RDUjFNR3ZIenNyN2dIdHdxR2hDV2JSLVpvZ1ZXMkZHTFR1UXJ4NG1TWVNSZmVvaTd2eklyT1RkOHNrZk82bzhNMjVudzI0R0ZlWGpUaFZ0Y296WndOcUdJX0g0cldwVHFCSDFCTURMU2M2NW1HR3k3cFhIZ3lSZWxDbGVac3IwZW0xWmVCYzdLb1ZCMWhabHNnaEUweU52R2s5MlZBS3lOQm4zMnoySlpIUkY2VGdMZz09 |
I really appreciate the psychology or mentality behind frugality. It's part of my upbringing as my parents were poor. So it's something that will always be part of me. Some of the very rich people I've read about still drive their old car, look at menu prices, and even cut their own hair. Would you still be frugal if you could essentially afford to buy your whole neighbourhood? Do you know anyone like this?
Edit: Wow, thank you all for sharing!! I'm really taken aback by all your inspiring comments!! I loved reading all your incredible stories, so wonderful to see that most people are still very frugal, regardless of how much money they have. | r/frugal | post | r/Frugal | 2025-01-10 | Z0FBQUFBQm5teE5QYUhIeTJwMXo4bmR1blhPazI0SENhN19SR3pxWTV0OExLd3RHYkNOempST21EU2JSUFNUaXhRbEdZRzdlemVVMG1GMTJzdnNKWlA4MTRKS3gtaWJjRGc9PQ== | Z0FBQUFBQm5teE5RZEtZNHFKNTF1ai1Cd19lUktyRjdoc19HRUk4Mzl2T3VJN0lOUFJRRWdKQV9QQzBIZU5YSHFiU3J2YXI4RUNPWGdhekVGUnBIQ3N1NkRfa0gtOUtkY3NFbHNzaWF4OE5jV1hkbjlibWJVMGpmbU1LNzkxQkFGbmVkZ19xWFVLN2NqTnRHMTB4V2kxSEpldmVkVnZKUFE5ck9Yck9fWXk4SkpWUDFNcm9VX1hjVjJVZEZmV0lDRUE5N2RNX2FDcXdC |
I was pretty nervous going into it I’ve never traded options before. Been reading into it this past week and have been juiced up to give it a try. I set aside $100 because who really cares about losing $100. Was feeling the adrenaline rush on my trade when it shot up, and was having a tough time to pull the trigger to sell. Overall I don’t really seek risk, I have a portfolio that I’m riding into the sunset with, but I found this to be fun and treated it more like a game.
Not gonna ask y’all how I did since 200% on anyone’s first day is considered a win, but what advice would y’all give me as a newbie into options? Also what tickers do you mainly trade? Anything helps! | r/options | post | r/options | 2025-01-10 | Z0FBQUFBQm5teE5QTDlCcm9GYUUyemFEMkV2N0JQS05xdzhUMGxpbXlSdEwtMXhVZjBoeW9FQ0lqZXI1NUJTYjFvNU5KczJVNGUwQUxVTDFOYTRVTmxPXzNkNFlKZWZtZEE9PQ== | Z0FBQUFBQm5teE5RelN2aTNjUzBBWGNlNWlKMkthVl9UMmhDVXRNbHZUR0E0dGgzM3dWZXkzamRNMEI0Y2d6b01qbTM1WHRXc09aYV9lS3ptVVVkWkVfMEJUSTFjdlBmZkhKM05mdFJWQzQ0amZUeGd5OXdMRUJ4X1c2cFZPZzU1QmE2c19iMEFsZ3Jld3RDY2VMLTdiQkNGWGNpUG5zZ1J0TnczNVRQdEp5LUsyZG5qWDFsci11a2VpbzVYbWlOUHpaRGdPXzVPVEZJ |
>*Delisting Notice: XMR and DASH*
[https://blog.crypto.games/2025/01/delisting-notice-xmr-and-dash.html](https://blog.crypto.games/2025/01/delisting-notice-xmr-and-dash.html)
>*At CryptoGames we're always looking to keep our selection of coins current and deliver the best end-user experience we can. With this in mind, we have taken the decision to delist two currencies from the site; Monero and Dash.*
>*Why is this happening?*
>*We are removing these coins for two reasons, lack of volume for deposits and also* ***increased regulatory crackdown on centralized exchanges***.
>*When is this happening?*
>*We encourage all users to begin withdrawing their current balance of both coins before February 1st. You may have already noticed that we have disabled deposits for both coins and on February 1st, we will be delisting both coins and they will no longer be available to gamble with.*
>*Will they be replaced?*
>*As you may have noticed, we have recently added SHIB, USDT and USDC to the site and we're constantly looking for ways to improve the site. If you have some suggestions, please get in touch using the forum's "Site Suggestions" area.* | r/monero | post | r/Monero | 2025-01-10 | Z0FBQUFBQm5teE5QTW5WbWh6dHVpLUNwNzRzNEJHRHVrNFRpck5Tb0Y1bzN6Vll5YmFtVHplM2pVbjNkQUxJMGlxUEZ1ZUV4bzBzVjdJOVNzTmpqU09QdjdueUVMdEQ5Smc9PQ== | Z0FBQUFBQm5teE5RU2FuUVhzbGZhSklNb0F6X1lsdExwbWpMU1F1X3RUX09VaTFlYmQtUkhnYWFzcWp0SU1mYjhoOVhLOWxTdHNpcmpDMUQtZlhsYnVjNTFlZER5MldWa25jRFJZVF9hUlYzTzlncVVMYmdZRDB1RUhTaV9qTTBJR09CM3hFalNxdFpQaDdzTjZaVlBUZUQ1dWl5SEhVWk9DUkg5VXVEV2VpQXlLeUhhRFNCSC1zPQ== |
I have been with Chase for years. All in good standing. All paid in full every month. 833 credit score. I have 5 CC accounts with them. Amazon, Sapphire, United, Marriott and a Freedom that my son is on. I tried to use my card for lunch at work and it was declined. I tried my back up card, it was also declined. A coworker had to pay for my food. How humiliating!!!! I checked the app and all cards say CLOSED. I called customer service said she can't see why on her end, but I'll be getting a letter in the mail Has anyone experienced this before? I'm freaking out that my credit score is going to take a hit. Even if this is a mistake, I 'll never trust them again.
\*\*\*update 1/14/25\*\*\* I called the number on the cancelation letter yesterday and they looked in my account and explained what happened. So, last month I decided to change my Auto pay to a different bank. I had a decent chunk of money sitting in another bank not being used, so i decided to hook it up to Chase and pay off all my Christmas bills and a trip to Disney I took in Nov. I copied and pasted the account number from my Credit union website. I guess I grabbed one too many spaces. The payments kicked back as a wrong account number. My credit union caught it right away and fixed the issue. The payments all went through the 2nd time. Mind you. I didn't even have a payment due. I was paying early just to get them all to zero. I just hate having a big balance. This triggered the closing of all my accounts 3 weeks later. Even my son's account that he pays with his own bank. The lady made notes in my account and submitted it for a review. They also did a hard inquiry on my credit. Now I wait for a decision. I will update..... Side note. My son now needed his own card. He applies for a Fidelity CC that pays cashback into his 401k. They approved him for $11,000 with no cosigner. I think his score was around 780. Not bad for a 20 year old kid. Proud momma. Especially after so many on here was saying my cards must have been canceled due to something nefarious he was doing.
\*\*\*Edit again\*\*\* 1/21/25
Chase re-opened all my accounts !!! 🙌🏻🥳 | r/creditcards | post | r/CreditCards | 2025-01-10 | Z0FBQUFBQm5teE5QQmluWl9qU2xtd2ExV0kta0R3am1rWVhxM2RTRldTUmhyb2E5SnZHa1pBUkZ0RjZYcUlndU5SSHdwU3ZHcUV1cEtVbElna2lsbDh3Tnh2NWpwUUxlNkE9PQ== | Z0FBQUFBQm5teE5RakdWRWJ6dHd0UW16VW1neEhXa0lTcmF1TzhOa0tUMWhIOXZRVnJIeDlxYjJjU3hMRlJlczJqUlFrX01SRFljck9ySEttOHQxSUFnazdPMVVGdVI3T180VUJERFc0ZERvc2NyalhqTFoxS0FJbmJhMk9Fc3NJUHdqbG8yUEVhRGo3ZlhUeFIxTW1iRXIzbkk1STQ4aVkyZFJzOXVPSXlWQk5lNmJ2bzFDTkRWOXlvYXhNdDJ5c0tHR0d5bGx6NTE3b0NjZzRxUVdLN1k1QmUydjBBZFYydz09 |
Real estate investing has always been a competitive marketplace. However, knowledge is most certainly more ubiquitous with the introduction of focused internet content and easy access to learning. As a result, I have not been able to make any numbers work for the past few years on new investments.
A few observations:
1) Profitable deals are rare in this era.
2) People must be investing off of potential prospect and Pro Forma numbers, rather than last 3 years.
3) You need a ton of cash to come in with to offset high interest rates and overinflated gross rent multipliers, which at that rate you might as well save your time and do stock market investments with those ROI’s.
A common response is “the deals are out there, you just have to look harder for them“ is a disservice to the reality we are in. It feels there is something in the air where people are either overextended or numbers are propped up. Is the new “meta” assuming it will be profitable in 3-5 years? If this is true, then I have missed the train.
Edit and disclaimer: I own and operate multifamily in 2 states, Midwest. Appreciate comments and others’ experiences as always - | r/realestateinvesting | post | r/realestateinvesting | 2025-01-10 | Z0FBQUFBQm5teE5QZUJBbDdYaGd2NFNSY0owZVBNWndFVEYwWjBUVzZ5V21GMnREY0dPZXo3bnFNeUZldnJZcUtDOHFQZklCOE1OS3NNbTZSeVR5NkR2cDlWNjdtTThNUFE9PQ== | Z0FBQUFBQm5teE5RbmZoRlNVSGtSaEpuZDU0SjJkZjFXc3Y4bmcxOHZhbUFRaUpUUGlVYm9KLThLUzFvY2ZtaTRERjFSTlBUYkpZM2J6UFhaWTFKaDJsZVFyVUsxQjlvek1lZ29sNGlKam54TURxWEJvekFYbzRTS3hWa2VWT1dkcXdMdHZFZVFZcUR6ZW5rRC12VWhhbjVIdFBHQ0NxQkY2YXV4d3FhQkI3N0ZyaV8yQXpMa1FvU1ZaV2IxRG9jRzY3Z010TjYycVpl |
Thank You. We tried to do our best, we are open for suggestions, but right now we are having 21 pieces from 6 different NFT collections listed, so we growing! :) | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-10 | Z0FBQUFBQm5teE5QM1gwRk16WGFIblpjekNQNUlRTjNia21aZWR3blpUSm1ZbFZXNTNuY1gyNm5zWnIxQXdyYjNXMWRMZEVmSXZ1RXU0eHk2VmdIeDFsdGprQlpsaThpSGZaTDJ3LWhSYW9zMzNlTGRub1hOQ009 | Z0FBQUFBQm5teE5RWWlodWR2T1ZwbXRFQ3dCcnJvQUEtaEhvLTNnTWhlRFhqUmhMWU9FWFJPTUZqQk9nSnE5ZUlKZlJ6UVlxQ3ZPYVJ0S3RIbm42TEdWTi1KTTRiYXprNDJlSHhmaF9jUnhZaWpFWVRlenRpUWdmdElILTRYYTZfWTAtRzd2LUhnMDRDSVVRRnZFWkV1ZGZoR0pKY1JhN2FkUDQ5cFpOUjExclZ4b3lFWnVuWlNwZzdweVYtdE5LQkt0R1F0MFZyQlVEWW5vQ1BfZFFNRVFXYU9iZTNMT1FFQT09 |
Their app is awful to begin with. Looks atrocious and functions just as badly.
Did a Section 75 claim because of an issue with an airline. They gave me my £430 straight away. Then the airline disputed it without providing evidence and they took the money back out of my account.
Since then I've had to fill in about 5 Adobe online forms asking for evidence and each time they just ask for the same thing. 'Please provide evidence of xxxx' when I literally gave it to them in the previous request.
Still waiting for a response other than asking for more evidence since giving the last form back a few days ago.
Altogether It's been months and still no resolution.
They are trash. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-10 | Z0FBQUFBQm5teE5QN2Jub3dBdDczRmNQM3diQWIwM3NZeU9kdzd6NXZsT1Y1WWJkQkE4dklqZzU2dHVqejlzZ3VlWm5iMXFsNUVSSFBvZHVZRS0tQ2Z6MW5zSTJOc052X2c9PQ== | Z0FBQUFBQm5teE5RNWRnckZMRnFTdDhsSXFoYjhUc1FCUjNsQUxnTmhmUEtHRkEybGJab1d2MnRTc3BKS0FONUxfMmhXNW5TVVFveDVhVlNVY29HbmtST3VLX3UxeHJIQmMxU0EyMEROdGhsTzVLWWxPN05HYU9OTVhUU2NBVjRrM0ktazZIZTVRLVdNSGtyNjc5NFRrNWZPbEJEOWh6TElzb0NGTGRKV2JsZ0FHbmNlbm4yQUN4X2lWSXQ3TXl4cnRWYzc4REs3OWdU |
Right Tail Capital
[https://www.righttailcapital.com/\_files/ugd/9593df\_a685ffcdcbe045eeb112fea93148804c.pdf](https://www.righttailcapital.com/_files/ugd/9593df_a685ffcdcbe045eeb112fea93148804c.pdf) | r/securityanalysis | comment | r/SecurityAnalysis | 2025-01-10 | Z0FBQUFBQm5teE5QSHlKUHgtSms5aVQwdnBlNWNBLWhLZ2xPM05nSG8wQWhSdlo5U2RHTkJrVU9YbnJxVWsyWFB3YWlabGJna3VwMTMwTkMyS01KRVV4RUJkUFRmcUxzVFpHMjF5NHNKSGhMWExwaVR6MS1MeTA9 | Z0FBQUFBQm5teE5RNk1ON0pscF9oanM4a1F1VzkxRS1NcC1fRm52NjIzM1FveDFBMUk2Z0hUUlNmRWhnVlhFcUN1Nk9iRW9lZWlHMmFJQ3ZFNWJ0cVFTc2p4aWx4S19ZVERWdmw1eUw1dU0xZWpCNXJqcllWT1J2a3Rqc2dfd0lSSHhLZ0pfeWVNNXN1RkNMTXhOajJUY21UVVlBaDAzcnc0S3FNUkFNUk9MLTZyREVuX2l5cFVlMDNsd1ZvOURjc25DY1huQWJ4ZGVt |
So I would call myself a BTC maxi but I still want to understand the reason why people think BCH can be considered superior. Hope I can find some answers here to the following questions:
1. Can BCH in theory work as a global currency that every person on the planet uses without layer 2s?
2. If yes, will it still be decentralized or will the blocks eventually become so big that only large institutions can run nodes?
3. Would it make sense to have it as a global currency with all daily transactions being on layer 1?
4. If the answer to 3 is no and we would rely on L2 even with BCH, why would anyone still prefer BCH over BTC? Lower fees and faster transaction doesn't seem like a reason if we would use L2 for daily transactions regardless of dealing with BTC or BCH
Thank you guys in advance! | r/btc | post | r/btc | 2025-01-10 | Z0FBQUFBQm5teE5QR0VJUHFfUEZySjQ1Y3hSb2FSeVdiRW4zV3BENE5CSmFuNUpvVGtHM3JiTUh6WmI3OFlkRm1VT1piSjlSelBNTDJfQkFsbXU0ZEFtMUR1TUtVQzB5Znc9PQ== | Z0FBQUFBQm5teE5RUEdWSDJRTkM1OEVyUzNGNF9HZGlIR1NGMEhkc0Jla2xnQU5GYzlMd3Z2ZmJXX2FoX2hxUEwtYjNoenlncnhOeE5rV2d3ak1LdVZaWk5BV2QxTGt0alQ0MHd6VTQ0Q0dSN3NWaklHM0kxM0o5ZG5HcVFDVmlfNVBFbkpmMVhRQ0puaE1OVXZ4QXZ5N094RUh5V3NYdTB3PT0= |
As title says, can someone dumb it down in comparison to Tao? | r/bittensor_ | post | r/bittensor_ | 2025-01-10 | Z0FBQUFBQm5teE5QWTMtQy00OVI5SUhSTElZclNCTHZ1bDZLdlg0eWRHQS1TVHk1U2pETjFTNC1hSWljT08xdnVFM1h4cjlUQlkxdjhDalgyV0dneXA1Y3NhMlJTckxUM2c9PQ== | Z0FBQUFBQm5teE5RVEpmRFpyUkZaZk41enNWRDFNbzhVQjBhS3BOMUVUTFE1NzNsTG80cU9hZVJwME5kMWZ4WGZudDhaX0x4TXJ6T0RnUEpCSVd5RjgyaFhFelBISk93SzFDZEdCZ3RyQ0ZjWTJSNVhfX052SGF5bVk4NEJpdFRpU3M5STFCdDA3TFlDU0lLVC1XbVFWMHlFZzNqYjBpaTFBPT0= |
Goldman Sachs are saying there’s a 70% chance of no correction. Calls on Monday. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-10 | Z0FBQUFBQm5teE5QdlNSMUh1TERJSXczcUZqNlVPSkY0eWt1QWstWkZSOHRqUm43c3VnSzZTMkFJZll1bTVvd0s5bVVLdTU2bG42emxpRDJWcHpXbm84ak1yZDA3cDkwTnRvNDNUZTZWcnR6YWdtUHpTaklXeVk9 | Z0FBQUFBQm5teE5RODh0cmc2WGpmS1NZVU9aMjZMX0lYMXF6bnpxRmV3TV9udG1rS3g0VmV5NHJ5QWNJS0p3M29zbkRZOWQ5VDRPakQ4enVOLXQ1TlZ4Q0FIOU9zS2pYY2E0UTVKZ3pPX1RqbXBYQkJNWkJWYlo1bEw4dEdlT2xRVG1jeHkwbEpBUWRPQWhOd1gxWm9aZTJGSVlfTmpYSXFwa1RqTkxVbVdxUzFGeFh3bXlVNVFOendYSmlCZVFfYjN3SEtQTXl4S2RvanZOeU5ob3MyamhLUVdqakhxSm9oUT09 |
I'm a machine learning engineer, new to algo trading, and want to do some backtesting experiments in my own time.
What's the best place where I can download complete, minute-by-minute data for the entire stock market (at least everything on the NYSE and NASDAQ) including all stocks and the entire option chains for all of those stocks every minute, for say the past 20 years?
I realize this may be a lot of data; I likely have the storage resources for it. | r/algotrading | post | r/algotrading | 2025-01-10 | Z0FBQUFBQm5teE5QTU1wTFU0c2JkLXFuTEhxdDg4Ry1IVlpxQjJwTzFtZFZrcTR0OElHTXM2LVdzTXU4V1RLVHlsVDloM1l4cEJIM1BxVFNvSU5lNkg3Rnk0Q0lNQmhXaEE9PQ== | Z0FBQUFBQm5teE5RNm5oaEVWR3RRcE5pOVB5dWtSbER2cVdJXy1lM3hkc1hweHFIcWdQOVNXanRmek9wMVU0dkJhN1pRcXBOcGxuaWt5VU8xY1JZOEdQelpjWUJvS2hLa09BQ2VIbHNZMzRoZk4yeGV4WEtMcUZsZVlzc0ZnN0Rjbml6b1NZRnVMM2s1aUd0d05TWTJpbkN3TVhHZGJVR1lSWVlEeEJQTURidW8zRGR1YUJhU1Z2R3hCM3NPdVd1OEYzV0lxR1RUT1li |
Since 2017, I’ve noticed that Google Search seems to suppress Litecoin. I’m not sure if it stems from some bad blood after the creator left, but whenever I searched for Litecoin, Google would autocorrect it. I understand how cookies and data storage work, but this felt intentional. For example, I could type “YouTube” with four out of seven syllables wrong, and Google would still correct it perfectly. Its autocorrect is highly accurate for most searches.
However, when I searched for terms like “Litecoin news,” even if I only misspelled “news,” Google would default to showing results for Bitcoin instead. It’s a small issue, but after years of this happening, it became frustrating, and I wondered why the term “Litecoin” was treated this way.
Today, I had a bit of an aha moment. I started typing the first three letters of “Litecoin,” and for the first time, it appeared in the suggested search terms. I’m not entirely sure what this shift means, but I actually said, “Holy s**t,” out loud. It feels like public sentiment toward Litecoin might be changing.
You can even see it on platforms like Coinbase. Their description of Litecoin is more negative than positive, offering weak explanations of the coin. Meanwhile, for riskier, pump-and-dump coins, they present flashy, sales-driven descriptions.
It makes me wonder if the narrative around Litecoin is finally shifting. | r/litecoin | post | r/litecoin | 2025-01-10 | Z0FBQUFBQm5teE5QVTdILWVrUThmQWFSdE0wNFBxZFVxQ2pzYzd6THlDZHROTUd5S2JzLXNyY0xnSFJBWDJBRVc2dWRZNFlKYVUzRnBwemtjVEZ2NS1IUXp0VzY3RUs5WXc9PQ== | Z0FBQUFBQm5teE5RbTJqb3M2MTZRalNubzV3TklrQXZicVJTNzVhbjJxRVhESnB2VndONVo4MmRXMjlDUEtDckppS05Zb2sxdE51Mm91OGQ0WWNxVTZkUHVkd1lZajNDTGpfNi05UE5XeWNZQUZmVDdFUXdiWXVhSlNmelJLaEZPanllZTJ2T2lCb2piSWxmRm0tQVNYdVcza19JbVJUMXl3PT0= |
I see **lots** of advertisements for copy trading, specifically "copy Nancy Pelosi's trades". I want to see if there's an actual age.
Unfortunately, the only places I see where to get this data (via API) is:
* Quick Quantitative (seems expensive)
* Finnhub (seems expensive)
* Unusual Whales
I see that I can search via the [Financial Disclosure Report](https://disclosures-clerk.house.gov/FinancialDisclosure), but it's not trivial. Do I really need to get a headless browser, find the search boxes, type in a name, click search, and look to see if it changed. Is there really not an easier way? | r/algotrading | post | r/algotrading | 2025-01-11 | Z0FBQUFBQm5teE5QMl9MNjB1RlJCRTRZTDBuVHdVcF9kMGk0UnFLdlpROEhUVlE3WW81djZCTWk2cUg5M2ZQQWVZNk9JWDhjUzFPeEx3LTZQYTBJRE9XeHFWRjBEaU91N2V5ZXVsMnpxbXA0SFdwRVo4MFJnRU09 | Z0FBQUFBQm5teE5RTUVoOVBiOHJ4cU1iR2hQUm94UFdpMVlFLTVxbENWMmxKMkpLMTRUdDlVRzlMczh4U3lpZ21yY3ljVlNSOFhob1o3LUlRX3Z6aTUwckdKQ01MaThHV2RjUVRQdzhBTTRmTndFcDFwazd6LXlqekl4LUduek5DSFNrdlpuVlFCM0hrWXR6MlhDSHlVckxxWno4Ui1nZ0RHeWEwUm1YdFJuWHJGNGtTX3ZQSGhIRG11SzV2c1NuVHhibk1ZRENISU5sRUUzU2tVWUxnVVhLZUFqRFpFcmVnUT09 |
So I'm assuming any Canadian who has done any car shopping in the last couple of years has probably come to the conclusion that the used car market is borderline insane.
I'm in the market for a new car and I've never bought NEW. In fact the most I've ever spent on a car is 13k in my 15+ years of driving. Unfortunately my last two cars have been a bit problematic and if I wasn't being so cheap I probably wouldn't have been to far off the cost of something new.
I'm well aware that buying something cash is obviously the most financially savvy choice, but inventory has been noticeably low.
I'm looking at used in the 20-25k range, but at 8-10% interest, you're looking at nearly the same price as something NEW in the 30-35k range with 5% interest or lower. With new id also be getting warranty. Factor in the few repairs I'd get on the used car, and I'm probably breaking even with either vehicle.
Like I said, I'm cheap, and every part of me hates the idea of spending 30-35k on a new car even though I can afford it easily, but when you crunch the numbers, it kind of makes sense?
Has anyone bought recently and found themselves scratching their heads as well? | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-11 | Z0FBQUFBQm5teE5QbU91U0ZNTU5PNDFHaE52MEpMeEdmWE9VV2FsUkpRa1ZiSHdCSmNyM3dtb3VfRFpHU1VScmp5S0dvekpZc0RmVjJnRFFTaWlKZExyUGtmV0FLVFpYY3c9PQ== | Z0FBQUFBQm5teE5RdzBUOHNQSVpkS2NoQTcyTGdKekpraDZGcWRMUVpQT016azV2UDF1WU1aLTJSUGhTVDd4MW9ER2k4X3ZDaTc5OE0td3QxdklxY3dNN0p2TW50OFN5a3hrTXA0VzRCV0tzREVuNVpycV9pVnZBM0RnM1NWck95LXdVOVRWSnh5T2JGcGRNbXBOdEZRZE0yZ2h3SUFiNXM1aFNQdmZzT0ZodWVkM3NLMWtOT0l4bG9JMmoxMDFrdFVXMUNBVzY4WTFC |
It only took | r/wallstreetbets | post | r/wallstreetbets | 2025-01-11 | Z0FBQUFBQm5teE5QeTh6Y1RRUVhpTnd4bGJxQXdMd3llN1NZUDVWaGZsZlBObFhWem43Z09xUVJ5Z3hHZ1h0R2pzY1UtZWI5b1VYQ1BERms2WENiZEYzUHhKbTZNSkU4ZnZ3WF8xRl9OZEVZRVFnV2RUWmlUeEE9 | Z0FBQUFBQm5teE5RRUFKeVMwZXhvSC1yazFRRTlKLThTbDVpMXdXazV0MUNLNjRMTWxvRzQ5MTRDUHBIaEhwT1Ywenh4U0VfUG95NGlKaWFYb1FpNUFzUWRVWlViSWp6cFc3eHUwaERLdEVzWmtRY2Y2WkhCYmpnWFFuSjVfY1IzNkR5amx3ZkRfWGdpV25SMjY0NVR3cE55dHFYWVN4UmxGSlUzd3JJQVhKNlVUOU5kbU5SSjdoN0FETzFBU0t0MWgzeFUtMWE1VllKcXFkeXF1WGo5Q1BUUHJ6R0JXWDUwUT09 |
Hello everyone,
I am seeking some advice and assistance. Someone I know has, unfortunately, fallen victim to an investment scam and has lost $80,000.00+. Let's call him "Tom".
In early October 2024, Tom was seeking a way to invest some money, googling "best interest rates for GICs." Tom found someone by the name of Ryan Lanchbury from a PC Financial site, submitted a request through the site and was then called and was given information and rates for GICs. Ryan gave him a great rate, and advised him it was only available for a short period of time during which time Tom would need to send the money - creating a sense of urgency. Tom accepted. Ryan told Tom he would hear from his colleague, Scott Patterson. Shortly after, Scott then called Tom, supplied him the routing information for the transfer, and the next day Tom went to his bank (Scotiabank) and executed a wire transfer for the amount to the account that he was provided.
Within 24 hours, Tom received confirmation from Scott Patterson that he had received funds. He was given a certificate, confirmation and log in / account information for the PC Financial account.
Since January 1st 2025, Tom has been attempting to contact both Ryan and Scott as he wanted to make a small withdrawal. Tom received undeliverable notifications in his attempts to contact them both by emails. He tried calling their phone numbers multiple times but no one answers. Even the online account information stopped working (which he was able to access up until December 2024 - now he cannot and the link is blocked).
As of yesterday (January 9th 2025) after multiple contact attempts to both of these individuals, there was someone who finally picked up the phone and told my Tom he would get one of them to call me back, but he hasn't heard anything since.
Tom now believes this was all a scam. I am afraid he is most likely right.
Upon being told all this and looking into it, I have since found information on this subreddit ([here](https://www.reddit.com/r/PersonalFinanceCanada/comments/1g4gsrh/pc_financial_gic/)) that this is a common scam and that others have had similar experiences. On this reddit thread, there is even the same name mentioned (Scott Patterson).
Tom has contacted BMO, as they were the receiving bank for the wire transfer, to notify them, but they indicated they cannot investigate as Tom does not have an account with BMO. Tom submitted a claim with the Police, giving them all the above information as well as relevant documents.
Tomorrow (January 11th), Tom will be going to the Scotiabank branch he sent the wire transfer from to launch an investigation.
He is quite desperate to seek any kind of resolution to this horrible situation. He can't believe he fell for something like this - he showed me all the communications between these individuals and the emails were very convincing and everything seemed so legitimate. I even found the two individuals on LinkedIn - perhaps these two were impersonated, perhaps they are in on it, I'm not sure.
I feel very bad for Tom and I don't know if its possible for these funds to be recovered. | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-11 | Z0FBQUFBQm5teE5QdHphOWh6OHRTRm0xckNOcXRFQk5WcWg3T1Q0YWpod2VfTnRaUzBGSU5Gd2lXVXBtcXBFMzVXR2EwcGdzNzY4WU5EY2N3OVdfUkxncU53SmtGWUlXMWVkSXpMWlJGejBFcFl0OElnaDhHZDQ9 | Z0FBQUFBQm5teE5RT2t0NTVtQmpPLVJscmtyM3EtUmtnWmxPZXV4ai01c0EtN1djbFI1Q3IzNDZFZ0MyQkF3TEJoT3V6cGZpVlg5dEp2VjFfM1FqWmZITjBZRDFHamFLQV9uaGVWeEk3UVFYRDRyMFh2UE53dUVvdHk0UFhhTGFZLUVscVcwelo4ZG5mclVxQmFVVGU5U2c1cE5tX3pZOGFNbkczSEpBSVJuX2U5LTBYV0FyU3pzUk1mSmtEeDVSR2ZCeDhucjFwTjk2 |
I’ve been in crypto for a while now, and I get that 3-4x gains are pretty normal if you time things right. But those 50-100x stories? They always make me wonder…
Is it pure luck? Or are some people in the right circles, getting tipped off before the rest of us even know a coin exists?
Don’t get me wrong, I know research and timing play a role, but it’s hard to believe those insane gains are just from “DYOR.”
What do you think? Anyone have a theory (or a story) about how these moonshots really happen? | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-11 | Z0FBQUFBQm5teE5QZzdfUEQzaXVOOUZMU0JwS2owNEZjMjk1UElGTU1HS3NiNTlZVkhJY1VLOTFYdmt0VGthY2hfSmVvNUpUajlkNmk2SWU0QVFQaG4yaTNSUFVHci1pT0E9PQ== | Z0FBQUFBQm5teE5RYklNcXZ3TEw4WWl1d2pvVlNNLXpENWMyNlAzem1YN29XaXFEM2JZbm1NeDNsQ2NXLV9BdWcxOC1hZzdqNFVFUWtCeDJUaTg1Ui1hbGJobE1QODVmbl9qeFBnMnJOa0NaeXAtV0R0b1VsTkxNN1MydHpFckgyWU9ZVVh4T3VTQnNwZGNfNzlzcFlLSGVCNWY2NkNsTk5FZ1JSUi04SGlXY0hadDI5V2E1SUN1Vy16eDNyUk5WbVZidWRMQ1JrQnVmSnMzTmJwYWV3YjRQVmVkalUzNlNhZz09 |
I use neobullx and nova click,
My setting are
Slippage buy and sell 10%
Buy fee 0.005
Sell fee 0.005
Buy Tip 0.03
Sell tip 0.03 | r/solana | post | r/solana | 2025-01-11 | Z0FBQUFBQm5teE5QOW91X2UzaWFYRGVjdnZjdm9RdkZzdUdXeEs3cTBGSnBQX0ZwTnJpbURpakx4OE9zbXBFZFo3VVJ4djFuYU5ZbUw4SXp6aV9uanBWamxfZkVIeGlBMnc9PQ== | Z0FBQUFBQm5teE5RNEYzQzlnc21RaUN3ZWtOTzJWRkFFUFUtYml3TTFHQ09CcnZUcmpsNTh4OXRTSmYyUHBXcXNmTFl1SWhRNWlJcDZ3QTRWcWRGR3JWdXZGZmpQay1DOXdfZmY2cUxvSnltUmd5NDRxdjRCVUlwUXhSa1NXVnRKZTlRZ20zSFgtam85RmV2cmhld2JFVWxkMDhLeHF6N2theGkwUm1SN0JuLUhZbjZhUWg0OUxITVVEanA2YkRva1RETGs2cnVpVVZr |
After some consideration, decided to get some BCH for the following reasons:
- There's a massive disbalance between BTC and BCH in terms of MC, given that BCH is a direct hardfork from BTC with a way better functionality, it really doesn't make much sense. Sure there are some other forks, like LTC, however they don't have word Bitcoin in it as far as I know, and in people's mind that breaks the connection with BTC
- BCH appears to roughly follow BTC price anyway, if BTC goes up - so does BCH. So it's likely that if BTC goes x3-x5 - so will BCH, with an added possibility of getting way higher than that because naturally people will look for "something like Bitcoin but cheaper". Seems highly unlikely that BTC goes up with BCH going down
- Better decentralisation than BTC
All in all, seems a good way to park some money. Add more reasons if you know them and i might buy some more lol.
What wallets are you guys using for BCH? | r/bitcoincash | post | r/Bitcoincash | 2025-01-11 | Z0FBQUFBQm5teE5QNnhncHVwUjJtY3NGNW1ObFdwbVhoWHRtQjRraDZnbkZlWDVyb1VJaGs3LWhXX3N6SDBlYkpiOEFPX1huakpScWQtNlJEX3IxNlR4MGZZSnhXcmlsaEQ0VGMxVHgzWlV3S2RxQy1vOHhib1U9 | Z0FBQUFBQm5teE5RQnZ2M2ZMbnpudnJqaVFOaWRSTXJ4MXR5RkVnZWdMektFV2ZqVVhrdklPVUlHNHVNZjhac0V0N0xuOC05VUJpQU83NTI2M0JCUkJHam9oZFYwYkUxR3J1aUpyUEpIOTMybjBsYUhzblJ5dDJKTjk0NFNuUkdyRjAyak1iNmk5X0h2aFhGRV96N1FJWS1JYTZyQlJuVUFWQm9XdHFaTGtGSFpYbVJvWmFKV2pvPQ== |
ANARCHY ($ANARCHY) on SOL is a movement that is here to SMASH THE STATE… of Solana. No bosses, no devs, no cabal, just pure, unfiltered chaos to shake up the the crypto space. An unheard of 55% of the supply has been BURNED to the ground, which means this ain't no ordinary play. We are all about organic growth, no paid shills or bots, just a community of madmen and madwomen grinding to the top.
We're not just another project or meme coin; we're a movement. A storm is brewing, and we're taking this bull cycle by the horns. Join the good fight, because this isn't just about making gains; it's about breaking the chains. Are you ready to be part of something bigger? Let's show the world what true anarchy looks like.
And there is a reason you see ANARCHY all over Reddit, that’s because the community is an absolutely rabid and dedicated cult of fanatics. We don’t spend a single penny on marketing, everything you see is organic comments. Our ‘marketing budget’ never runs out because it’s purely us. Our community creates all the content, art, and ideas. And because we all work for our bags, the horde grows stronger with every passing day!
Our motto: WE ARE NOT FUCKING AROUND
CA:
GYPxyPtu6g1NmnEPPkTcCdSZz7ZMs6A1S3wTjnLdpump
Website:
https://anarchyonsol.com
Reddit:
r/AnarchyOnSol
https://www.coingecko.com/en/coins/anarchy-2
| r/altcoin | post | r/altcoin | 2025-01-11 | Z0FBQUFBQm5teE5QS2xFV2QxTXNFVVQ5eWhaWURSSmdwbGM0QkUxcEhacnFjbi02NWtGdGhwbWdsNWRrcWY3Q05qUHBHSmVzYVlmYzdETmpjVW0tSkozS2kwMExxS0Z2WUE9PQ== | Z0FBQUFBQm5teE5RcktPTFNhcnItRHRxZ3FvT2FuRFZJQWZUdEp2RjJOODk2ZG1NN3ctcG5xcmVWVDBQTlJ0cXpJMElwT2FzRWxxLTQtSExodHVrMkRNMjF6QTlVbi1wWHY2VktKSWJna3ltYnlSRUItSkRuRURLTDR1LTlYVUVIbWJ1V0IyalA4RWtqR1c5cFZYd3ljWlI5bWhGQ2dhSFdndy1hangwclRQMG0xQVE0V0RqWGtwTEdreXY2bW0wdmhtVjFCLWJ2ZUFI |
hey guys, I'm a newbie in trading and I've been fooled a few times already (on DEXscreener), mostly because I saw coins going up like crazy 1m% but all them had one thing in common - liquidity was way lower than market cap number. How do they manipulate these numbers? It's really scary.. | r/solana | post | r/solana | 2025-01-11 | Z0FBQUFBQm5teE5QOFVMWkZDLUw0MHpMQUJGOGk0X3paZU5lZ0lNREpzbmN6SHh6X3Q4N0pEdUtIellNN3BfNUh3SzV0cS05R0g1Vm44YVg4anVMTVYtLW9VMVdlaVFqSXc9PQ== | Z0FBQUFBQm5teE5RaUZ2alFKa0hYdFFLcWVGUVVYWHpfZFJZbll5RHZzS2lpZUJuNkpFLU9HMUFQVkVHY1llNS1ONGVtcmZjX2QyX3FGcnYwWnhQY0s0U0lPRENxUkR0bU02cFQ0THo0eWJuMXNaVEJyU2VJOW1nX2RSOVpCanhzaWVrWjFRTkNiU3BRRTdnUDFQY2xDQ01kcUNkNWpGd2x6V19KMUlpek1rYk9KOURJeTlpTUFncENtR1pXSUwtRnIwWFN2ZC03bEpp |
I'm curious if there is anyone here not holding bitcoin? For better or worse, I converted all the BTC I had to other coins, but am debating if I should put some money back into BTC as opposed to ETH or other alt coins I believe will outperform BTC this bull run. What are your thoughts? | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-11 | Z0FBQUFBQm5teE5QWE5jOUNDU2xVYjFBd1VBenJ5ZlV1ZzJyMVdNTF9pMThqYnN3WHNGQUx2UzlDZTVjc0pCVUp0c0p5NDBJOFdjS0lzdURZdktMbE8ySjRfLWFTZ0w0YUE9PQ== | Z0FBQUFBQm5teE5RWDc5VEhrZlJCQ05objhmZzlkLWF1X2RfSUV5eE1tY0tjYV8xendpX3lKSkwtdk85eVJDZFM3ZkotZXV0bGo2SXczS2w1UXJWdEdEMjI2bjFOc1BqQUVhdDhzY0JPcV9JQV91Z1Q3RF8wclNtYm1XbXpvVnhrYmxHdEVCZzdDRl9MajZ2SzM4UjY5ME9oNWhZTG1uLTEybnVuTEE4UnNLOURVUkxfbmo0ZzNEcjFCVzZxQk5BZlh2WndadEp4ZmJK |
# XRPhoenix Discord
\>>> **Invite Link:** [discord.com/invite/XRPhoenix](https://discord.com/invite/XRPhoenix)
**Official Discord for the following subs:**
* r/XRP
* r/Ripple
**Channels**
1. Announcements
2. News and media
3. Infographics and visual aids
**Categories**
1. Exchanges & Wallets, FinTech, DeFi & NFTs, Investing, Cryptocurrency
2. Interledger Protocol, RippleX, Polysign
3. XRPL Labs, Xaman (previously Xumm)
**Special Perks for** **the XRPhoenix Discord server boosters**
⠀ | r/ripple | post | r/Ripple | 2025-01-11 | Z0FBQUFBQm5teE5Qa3hxeHlkUy02ZjdhbkJWa3NtTWZNaGRsV19mRVNCS0tIQWUxSU5BRHRDUEY3YTcyNWthMlJiU0MtTUg2bEpYUTNCUWN1aDJ4b2NQX3VkdzRtSXJiWmc9PQ== | Z0FBQUFBQm5teE5ReVJsX3pEZ2o4OGVYRHY5Q0Z2V2hPX0dUQ0E3Zk9qUWNhd1NHS2xXT2I1NGdmQW9palZ0WHRfVmMzcVZFM0tCVFhfdUZJQ1pyM1BWVmxqQlFMdnJMMXNTLTMwVm51WmZhR1BlY0xUMzBzLUJOUi1TYUtUMlVxdGtfcy0zX0s2SkNTV3dRQlBuVldkd2tOcGQ2bEExa1pmaF9FU3hMek5GTVhxamw0V3lySGhjPQ== |
Grayscale already has AR in one of their AI products. Now.AR is also being added to their utility tokens under consideration list!
https://beincrypto.com/grayscale-announces-new-investible-digital-assets/ | r/arweave | post | r/Arweave | 2025-01-11 | Z0FBQUFBQm5teE5QWEF3NFJGbUZkM3RMa1pCSHl3QzhlUkdXN2I0TnJDRHJHeFVlYmxKOFdFNnprRFNlNEN0eFlwNFJPRm9jakFpSFNYV1NJV0ItVFdDQTFpWDZFN2ozVUE9PQ== | Z0FBQUFBQm5teE5RQS1UNE11VmN0MmFHMkllNklIS241ajZWVi1yNUdTaE10bnBfRzRrU3h1WFF6Qnhrbk1xT1JDaTVZb3FHcUs1akhhdjJGbmpWNnRSY3M3eVZIaU03eUZKMkx3bWFvenhvb0pJdjRydmtaRmVwTXpZTGM1YmNwTVMyTDhHM0hVWk5IcVM4aTRaOXRFS0dfRHhBNlZWUEVzM2Z2N3ppd1V0V2pZMnp6NGlkSVBhLV9zeHZxOXFMVE9BWjBCdEFKUERjdzlCbXY3bGdhQlo4dm9MajJha1p2UT09 |
Celo L2 mainnet upgrade is planned in Q1. | r/celo | comment | r/celo | 2025-01-11 | Z0FBQUFBQm5teE5QMDZrWlRUQTBIdTJleXB6ODE5UFdoY1RyWWtEaUZ2WkFscGFNR2JrMUZqR2wtbEZPaUtYN1lMYnpoNEtOV2oxc1JDaVdndkNYUUFsdmEteVlieUJMQmc9PQ== | Z0FBQUFBQm5teE5RSTNPdnN3ZFNPeWhvTmZXMnVwYW56aHRrSlgzRTdwQjRrbGVkblB5SXc5VGpNbGtWQkY0a3FmWjZyLUJENGtFNll4RG9sVE5ZZmItQ0JDd1ltdWVpTjY3aWczZlJxUmZwQ2xFeWk5U1FULURlS290Nkk0dFljQm8tdU4yRl9hUTZlMmVFdGQza2dtaFhZLWNlQkIyU3pnPT0= |
Many will start the marathon, but few will endure to finish it. Don’t let hate from the ones who failed dwindle your passion— misery enjoys company. Instead, keep your eyes on the goal at hand: DON’T. GIVE. UP. | r/daytrading | post | r/Daytrading | 2025-01-11 | Z0FBQUFBQm5teE5QVzFrdGlvbXlaOTRqajRwcTQ0R1ZpYl81Z1ZtMUpMSGtJTEJZQldDLTk1QVByM2p6azg4djBYcVFEQnJsblV6TThhVXNVMnV2MEw3QzNsc2FZb2JjNnc9PQ== | Z0FBQUFBQm5teE5RZUp5LXVzcWFiRjhQRUNUemZ3OHV1MXRjM1RJazZyS0tUY2M3TlY4REg4WWp5cDA1QzhRT2hrOUFyWlpJV3NBNF9WWXF6X1dLdWdiNDlSRkdnUWlwNGZ4aDRyNEFSUlVtVnpqQkhMLTV1QWhBYmlvU0ozOEVWcVpEMmVCUUFqVVN6X3VsVTlZVnlkTm9OV1VYU1U3TVFwWUM5cFNuc2xPSjZJOXFQWTM2OHlZPQ== |
Hello, I've recently been tinkering with the **utility.batch** Extrinsic using Polkadot.js and it's given me an idea of a facility I'd like to provide myself, a kind of helper if you will. I'd like to have an Event listener that is aware of when a deposit is made to address, it then kicks off 'code' that does a **nominationPool.bondExtra** (of an amount slightly less than the amount deposited) and then checks the free balance and does a **balances.transferAllowDeath**, leaving 0 DOT.
After researching, I *believe* something like this can *only* be achieved via the API.
I've read up on the documentation and (because there appears to be some non-trivial installation requirements and a steeper learning curve, and I'm running Windows which adds its own issues) I wanted to check if there's a way to dip my toes into the API via the Polkadot,js web UI or some downloadable fat(ter) client. I'm especially interested if there's a way to listen to the Event when a deposit lands at an address.
I've seen some great examples out there (https://polkadot.js.org/docs/api/examples/promise/listen-to-balance-change/) and I've even blasted off a **utility.batch** with **nominationPools.bondExtra** and **balances.transferAllowDeath** but the amounts of DOT I've entered have just been entered, rather than been returned via some call, obviously. | r/polkadot | post | r/Polkadot | 2025-01-11 | Z0FBQUFBQm5teE5QZjRiWS1MblNfekNWYVlIdXB2aWlRaDFyNEllZWhNU3VQSzVYR1paZmJURXd1dmVLUVFCaHliaFR2LXRwNWxqdmZxWGpFbHpnMWMxMEs0YnY0c0FnS2c9PQ== | Z0FBQUFBQm5teE5RZ0w4cWZOMXhIY0JURDRzSGpBbl9EczdLT3JqYTVUQW5NSFdoX3BIaUFsb2NoUkdvZGlIeGdWZmZkaGdyZmJNbW42Vk5nRFZVLWN5ZU5lZzF3c2RfYUJmcDEyMEhJUUFIX2tNUDhpNHlEa1dSUmQxdjNObzhxTldlblROcS0tT0VJdDV6ek1aRUVVMzFDaXdnLWhMQnNaZUY1XzhqbGREVkZoRTgwM0piODNjPQ== |
So u recommend avoiding moving.. means dont move? | r/zilliqa | comment | r/zilliqa | 2025-01-11 | Z0FBQUFBQm5teE5QeXljQlRLWmNza0hHcWw5VGJTRXctUDk1M3I4MC1QdHg4SU9PcmQzVFZ1dk5kSmJNMVkweWpNb1A1UHNJNlo2SmdkMHU3X0VpSnNXdFJTRW9kS1F0emc9PQ== | Z0FBQUFBQm5teE5RbHc2dVhXWHBUV0M0UVNqeVphTzRTWm1QMXdTdkR1UHJJWWVUN0tLb0ZWc2dtamxtZlBlelE3UlRmbmtFTEljbGhvWE56eVJ4RkhyTWgxNEhfa1ZteGluUDZSSmxBM3ZzWTlnWHZweVcteXlyM0tZSXZIQW15QXZLZWsyZHY2RHhxTndVd3hmbzUzalRTcVJ1Vjk2d1Z6UzZTbTNZLW9XUFN6N3pSNVY4U3FSTnBwZGlNY0JPWHgzbXZfYXdTbnVB |
Wen dTAO?
- Soon(tm). Probably a month or so. It just went live on testnet yesterday (Jan 10th). Official timeline is “Q1 2025” (I.e Jan-Mar)
Do I need to unstake my tokens or do anything before dTAO?
- No, you don’t need to do anything. Normal staking gets renamed as root staking, and you don’t need to touch anything.
What happens to staking rewards if I don’t don’t do anything with dTAO?
- The “zero risk” root network $TAO staking rewards will gradually taper down over time as more emissions get sent to dTAO tokens. I don’t have exact numbers right now, but some graphs are coming soon to better visualize this.
[UPDATE] Please note that root network staking will only give Tao tokens and not any dTAO tokens. If you want dTAO tokens, you need to swap some Tao for a dTAO token you like and stake that instead.
Can I lose my Tao if I swap it for dTAO tokens?
- It’s like swapping Eth with for an Eth alt coin - it might moon and be worth more, it might tank and be worth less. Just like Eth alt coins are volatile trading pairs against Eth, dTAO tokens are volatile trading pairs against Tao.
Is there now going to be 2 tokens - Tao and dTAO?
- No, there will be thousands! Each subnet gets its own dTAO tokens, just like different alt coin projects on Eth
How do I buy dTAO? Can I do it from my wallet app?
- dTAO isn’t live yet (testnet only at the moment). Initially it’s probably going to be a bit complicated, but new front ends should be coming soon to simplify the process.
Once dTAO arrives, do validators still vote for emissions?
- No, this is one of the best things - the emissions will now be market driven based on how many people buy and sell what dTAO tokens”
What is the difference between CR3, EVM and dTAO?
- EVM is adding smart contracts like Eth, dTAO is replacing voting for emissions and each subnet will get a dTAO token like Eth has alt coins
- CR3 (Commit Reveal 3) is an anti-weight-copying tech that came out last month. Completely unrelated but had to happen before dTAO got here.
This is a copy / paste from Carpi (RT21) on Telegram Chat !! | r/bittensor_ | post | r/bittensor_ | 2025-01-11 | Z0FBQUFBQm5teE5QNjZnLUtwVzlXam1fOHFhcUdZUG5KLVVFQUFxVUZVRHlmNUFsYkYyN21WUVNzazQxSVc1ZmtRd19mNTN0NjVqN1NIMnJGdFJQVTBIVFU4M0tiMk05VHc9PQ== | Z0FBQUFBQm5teE5RR2NUUlRhMWxxa19sZmpkbGp5c2lIS2F4dzk3SDIyelVKbFYwUTMwSXBTd0laT1RpNTBnRDA5b09Ubnk2V05sb1VRRXVMbUlGVGVfVDdoamtpQVpMclJGQmpRb2JyLV85THdySFRqd2JZRWtwTGhlWGdmWDlYZjE1Q1RCQ2JiaEdaUm9kNEdIU095bmF2TWJPWExmV1B3PT0= |
r/altcoin | post | r/altcoin | 2025-01-11 | Z0FBQUFBQm5teE5QWVdVRkNVZjdDbWxIRmpLcHVKSmd6a3RiQnJkTkl6WWw4TUtQR1FhMi1NMENDcHRvbDVsN2ZUV3E4QkxiRjV6UldiMi1IWm11MEI2M0xKNloyM0JCTEE9PQ== | Z0FBQUFBQm5teE5RQ3o0ZEt1RzJJMFg0UkNQYUNKWFVRTjJCRGRpYUNWd29UcUZjb0FFUmNpMVVnaVRKN0hWbHN0X3BCMURlcjlYMUx6NElkUXpoWEhaMHU1YmlkSlJxX0E0OUh5WnFJR2VHU1RyWmpCNnFtUFVmWUZkbW52SldXbFEyOERnYUlQdGtRM0wtZ3FPdnN4YWpZcml1MVIxMGZJc0hCOHRNcjBiNVg5MVFBdlVHMkhyNGlNaDdXLWFqSkVvMjZWY0lrU1lj |
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$TITS is the superior coin | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-11 | Z0FBQUFBQm5teE5QdnMyTjlzNkJUR1l3Uml3Ylh0SlNxRUJrRU8ycGlEOVFoVXlwaHU4Qk8wSkJ3ZWRYX0xIczVHY2JXeGZQd2lzeTF0dWoxbjhDckxfMVRhcEpabk9mM0E9PQ== | Z0FBQUFBQm5teE5RR3hwS1BUcUdlbzZSNFJ2aVgtenhiREllSXVXcTZ6cHU2ejllWmZMbUdhY2dFTlR1WkEzOUtwUThLTWhjNm5USWM4dlRPMU8xNmVWRWlQUTNSWDBEUW9tVHNVMTVaNVlWVmpUOW9lMVhfR0hXa2dBZUlPZHNXZW5uc0ZSaVNLTkp6QURua1lNV1pxdWFsNDN5eVRxa0tzSzNCdTlwZC0zcXZ3blpBOE81RGxnNElvT1RhRmFUUndTb3F0cVZrRUhWNlVRQWFMUkd4X0c4RmhpYWVGMG4yZz09 |
Hello everyone,
I found a new kind of FI calculator that runs a Monte-Carlo not to determine your chance of success, but to derive your FI number from said chance of success.
Here's the tool: [https://withaffluent.com/en/tools/financial-independence-calculator](https://withaffluent.com/en/tools/financial-independence-calculator)
Thought it was cool! (it's far from perfect, but I don't remember having seen it done like this before)
Original post by the creator on r/FranceFIRE (French FIRE subreddit): [https://www.reddit.com/r/FranceFIRE/comments/1hvo6t6/jai\_cr%C3%A9%C3%A9\_un\_calculateur\_dind%C3%A9pendance\_financi%C3%A8re/](https://www.reddit.com/r/FranceFIRE/comments/1hvo6t6/jai_cr%C3%A9%C3%A9_un_calculateur_dind%C3%A9pendance_financi%C3%A8re/) | r/financialindependence | post | r/financialindependence | 2025-01-11 | Z0FBQUFBQm5teE5QbFNWTWtnSThmNU1kNUl5TFZoYTVTd0Z3MlE5UDlpM3V3bTZPS0kwZFRWVnRKWkRWX3EtQkpOMjdRTjF5NDBNQ3VuLW9jMGNRMk5panlRZEtfTmhFRnZxUGJHZkVGT09lQ2loS2lGZGhVUWc9 | Z0FBQUFBQm5teE5RVkZTZGxiVGxOT3RRUVNoWnFpcUlhU2toSkc4ZjhPMVV3RG50Rjd5VWZRcnJGNlFNRXNBNFo4WDhQYWpFUmFnaVhZdXZKVmJUSE9zbnY5VU9FMDYtZnRLdTZWOVU1Zzg1M0hjdXg5TlVZWHV1RUNUQ0VRR0hCeHlROVZuV2tGdVFTelJGVGxvQ1BPRWp3MzNfbV9PbEFFSHZVRlJJaHNqeTBveHZQWENrX09mVTlneC15NEd5aS1BV2QtRURDQWQ2REwteGJlQ2ZLNWtWc2t0N0RDcEdQS20xc0RoMGYtNHN4ZUdUOTVDLUJRUT0= |
I’ve been researching the crypto market and thought I’d share my thoughts (and open the floor to discussion) on the best cryptocurrencies to invest in right now for a *long-term hold* investing $5K annually for the next 5 years which coins could realistically deliver **noticeable profits** over that time?
| r/cryptomarkets | post | r/CryptoMarkets | 2025-01-11 | Z0FBQUFBQm5teE5QQU9xQVJiUEpWb0JTLVVzVnlITmw5RkYxS3JiX2gzQ0ZQMHdfTWZEYTNFQ2VTdG1qX0t2X0pUWTlPYWxBMWJwbzh4ZXFmU0FWTElUVGdzQS1lVklySFE9PQ== | Z0FBQUFBQm5teE5RdTlSX3Z5YkZGTmc1UVdFN2h6Wkp5aFo1aTBfN20wZGd6blZFVkpNT1VIUXFEQ3V4MXI4MEZkNFluT0tQWXBXT2ZyRGRlWGtCdWY2Q1NoLU5WMjV3YXZ4alFpSVFPWEIzXzg3RjhfdlRIWl8yTXA0dFpRZzVxZ2ZMREZqa2ZuY3BaT0pNOXQzYzRmeW5uN1JOb3RJaHNibm9Ya0R6YWJkd1owUTZVZEVzNWZfeEp0Nmw4LWJmWG9HV2t0aHpRd0NueWhhV0V5b2p3ZDl0NE5RVDZjQ1pUZz09 |
The Bitcoin Cash movement is GROWING and is important to highlight places where the use and adoption is happening. So, today we are going to give a closer look to Tacloban city in Philippines a place where Paytaca e doing anazing Job | r/btc | post | r/btc | 2025-01-11 | Z0FBQUFBQm5teE5Qa2hoODg5OF9EbEVaajc3VGw5UHBzbjMyT2hVS3NCaXE5YXZmVUtKMlRNWGVGOF9NaWJTS0dCTXNpNWZQQ0VQLTU5QjhRaDRTbDMtYUUxZWtfdU1QZEE9PQ== | Z0FBQUFBQm5teE5RSjFKY0hxVThWQ09KMnNNSVBtQ01ZMzJTTDVXTURqeEQ1SEF2MWVSMERQLUhQb1JGYS1wMWtzeklHZlZoYmVUQy1hbG01VnEwOHhtYTk0dHI0RWR2OXFqWEtqeng0TjI3OEVVVGtoN0FLRUJNd2lMYVhjRnVqb2FTWGVFTmJlX2hCb0N6OGlVOG45QTdRLUFvbVBuWnJMVU5oaWRfRVk2VFFzYjJVRm9YVDlLX3BCUEE3N1AyZDFDanFLNjZtYVV6 |
I know it's dystopian but we know it's going to happen. How do we think investors will take advantage of the most recent disaster to hit LA? | r/realestateinvesting | post | r/realestateinvesting | 2025-01-11 | Z0FBQUFBQm5teE5QT1lqMkJCM1pVNVg0N2t6cXhqQmRja0lJY1U5aTgzSTBxRmpFV01tM013Z3hQRENaYUM5MFNwa1l6NC1NaDhaa2pYcUdHdkNXczA0MU9uallCOTVBWWc9PQ== | Z0FBQUFBQm5teE5RVGJqXzRiLTNrRTFyNEU5LUJ4LUlYMnU4YUpSTElXVk1SemlnSU5KNzJvd2ExVmRQVTVnLVBRT2QzbzNkUDR6Tk41bVNDZFF0b1hPUTVzS2E3bDBGTlp3b3VIUmFuaENEMENLaHRoT2hialdMbTItQWNpSVFBRERNM3RKbWt5X21ZcUJpcHcxdnVuWlhxY1FCZmRYd2dWblY0WXRneU5RM29JWGlWSXE0Q21HMjBjQ3pQX0NzU3phMnBTS0VIekNSWU1wSk5hRXZJeThmbXlsRnNqTnVDSTJnM3J1bF9fTDlEanJpdV81LVQ3bz0= |
Welcome to the golden age of technology. See yaw in 2030 | r/wallstreetbets | post | r/wallstreetbets | 2025-01-11 | Z0FBQUFBQm5teE5QY09BY2Q1ajFZRW1nLXFhb09mSkRDdUN1WFo3LUY5cTJkUTNIMUtFbFlVSWlaa2NkNFZ5b3lpcWVjVVNjRTd1Xy13QjFKQ2ZIclUyNjBNWGtLcHU3Z3c9PQ== | Z0FBQUFBQm5teE5RLTFZZ1lGVF85cVNTcjBmTUdfTTlTOVpYSXJsbkd1akJ5Q1ZBc3Z4bXNYcjVoR2ZZNTJOTTh3MUhRcjBzb3B2bWpjZklBVi1WU2xQb25GdTVwNWItS0NtTUFSZEdyZWtzenhuekU0WDA4R2hlaEs3OVVWRUpNQXE0cXZVa2xNQ0RaS1BONl83MU1IeWR1UzN0MHFQNVYtdk8zbHoxV2VCZ3pUZERBZTdySmNYUDlWYVdzb3Fwc3g0N3pIaEtFcTZZ |
As the title says, my dad recently brought up that he wanted to purchase some bitcoin with some extra money that he has. It’s not a lot, but maybe 1-2K. He isn’t extremely tech savvy, but I’d say he’s pretty good for a man in his 70s.
So my question is, with that amount of money is it best for him to just buy on an exchange (and if so what is the most trusted exchange)? Or should I try to go through the process of setting up a wallet with him? | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-11 | Z0FBQUFBQm5teE5QNVdpRldSR0RiT0p3Z3ZlaEtLSmZqRi1DMzRCY2kwME05QTVMTjgzOE1Nc0xucXg4VUwxOE5HcnB3LVV6bWw0Tko2dU56aU1MdEtjbWVKRlN6eUwyLUliUjdXSlhOQS1raEVqRTFzaDU3Znc9 | Z0FBQUFBQm5teE5RYWlEZDFJaHBlR1dUdUJlQUFuQTFMc1ZCaFpKbE1YMTE3cjhDQUtidU8ybms1b2tpQnZ6bHBRZFdFQl9PSjhEV1pjbllUNV9XRlQtYzFGeEJ3SmdaT3NYUElvTDhMNjV3dlJWeXpBY1Fuc1d3NFlyamZKMmtwOFBNSC1fYUJjOERPTzFobTNRbzFydG9qdXFhSkhYU01Ic05waTFXTDV4a21CaFJqcktPU0puclBNanlOSVpwWnBaSW1MdTlmTjkxQ0hxX3E0b2s0Vk1xRFFqZjN2UE41Zz09 |
[https://secure.chase.com/web/oao/application/card?cfgCode=PREAPPROVEDCONCC\_REACT&flowVersion=REACT&cellCode=66DL#/origination/preapproved/index/index](https://secure.chase.com/web/oao/application/card?cfgCode=PREAPPROVEDCONCC_REACT&flowVersion=REACT&cellCode=66DL#/origination/preapproved/index/index)
| r/creditcards | post | r/CreditCards | 2025-01-11 | Z0FBQUFBQm5teE5QY3ByaDVNd2cwMDNEVmxWbmdoQnZmSWxpcUwzQ0I2Z0pGdU1zeHZHc2VUQUVCTzZJQk5HcXRKd1dxdHBMRVdPUzBqSVk3a3N4elZSS05fM1R4VHJQdUE9PQ== | Z0FBQUFBQm5teE5ReEZ6LXJvOHVzOXBfYVoxNXVHZEp4QUR3UVo1cDl0VUZSUHlpZHJ2N25xWFQtMzdnQUo0RWdWdzRGbWFzc3I4Q0psOFFuckJwWjhKWmxiZlUtVjljT0dXV0wwNV9WQnI0X21Vc2Q1a0xaQlk1d0pITUhCNUtCYU5RYkZEUlRDTVRvX1QwLVg5blJNOF9YTHEwc1RwMXUwam5TMVZHdFQwVmpFM3l1MjdPN2ZiWWp6UVBORUJPNklOY1ZBaFZtaUpi |
Grab your $balls and hold on tight. This rocket ship is taking flight! | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-11 | Z0FBQUFBQm5teE5Qc0pwbEdLRXFfY1FlQ285eG85b3ByQjduVU5qWnNZeGFSc0dBb0Iwc0hPRVdrVnE0dGdiQlNmbno5VkQ2OUU5Q3VmZlppWmlUdE1pcUFjVjhkODNhN3V6N19NTkhzZUZIUHZTeUNTeE5EWEE9 | Z0FBQUFBQm5teE5RY0dXb3czRGZPRFV0Vy1xdjlZMURsZ0dxZktLWm91RHpMWVNyNkJtYjNHeUN3cF9NaXZ1T1hzSFVuQ1VXUjczYWE3SnE1dm1WV3kyTEh5MkxrUzZ0czFjeG9JeXk0Qlo2M2NxSTNxUTRxd2JOdDBXM19ZeHItWnl0YlZQcXVUX05XZWozdWdwODVWT1haX25fd2R6aVA0RllVNG1ieTFiX1ZrY2RTQm5Jck9qaVUtX0JCWGU4VFJZdzNEZ3pNa0RvSHR4U3dvZzBaWTZyM0VLRlpFNkJUT3M0a2N5Mm5VT3pJVG8taEtoRjdJQT0= |
What do you all do about dental and vision insurance/care, especially for those who retired before 65?
We are all set for medical care due to a wonderful old time pension that includes health insurance.
We can add in dental and vision but it's fairly costly. Under our pension, one retiree told me that they get vision and dental every other year.
Another person told me that they get their dental care done at our local dental school. Cleanings are free via the hygienist program and if there's work that needs to be done it's quite inexpensive. It's done by a dental student, but with of course a dentist / instructor overseeing it. They don't do vision insurance.
Returning here yet again for advice as we omitted this underexpenses for upcoming retirement plan.
UPDATE: I have been reading through all the replies and thank you all so much for contributing. Lots of suggestions to consider and compare so this gives us a great starting point for our planning.
As always, THANK YOU! | r/retirement | post | r/retirement | 2025-01-11 | Z0FBQUFBQm5teE5QUk9HejM3TGZLaEliS0Z3WGxpTjBhR1NuUDFoOGFZTXJsSVJvTzdwSHhRNG4tUDNTSklFeFFjSHZSa3c2aEFwak5aNWphREpBaU5UcF9pZUZuU2k1elE9PQ== | Z0FBQUFBQm5teE5RNk5GR211YWZISUMwVHdFN2F0WU50cnVkbHhmTFVSRFpNMWFmNWF2UU1YUE1fVWdreWpDM1pIMUE5dTZ5UVo2eUg1NU1Sd1lQQVJ2TlloQzUtSGVzOElMR2NYSnRSWTRyY1d2ckJ2VXFLQ3A0Z3ZwNzFQeEdlTEx2a211b0tIdkJrd0R0alJkME05TE5ibWNacHFueUI2aUVIbVFJQ3oycnRyWUZrejc2eXdITWJxVHRfTFFpVmFKcFVYQ19PVjRraGlLRmhvWWl0OFF2WE9mbjVWdTU3UT09 |
It's still extremely early, but we know people are going to want to talk about these things even when information is spotty, unconfirmed, and lacking in actionable detail. Given how critical the ACA is to FIRE, we are going to allow for some serious leeway in discussing probabilities based on hard info/reporting in advance of actual policymaking/rulemaking. This Megathread and its successors can hopefully forestall a million separate posts every time an ACA policy development comes out.
We ask that people please do not engage in partisanship or start in with uncivil political commentary. Let's please stick to the actual policy info, whatever it may be, so that we can have a discussion space that isn't filled with fighting and removals. Thank you in advance from the modteam.
**UPDATES:**
**1/10/2025 - "House GOP puts Medicaid, ACA, climate measures on chopping block"**
https://www.politico.com/news/2025/01/10/spending-cuts-house-gop-reconciliation-medicaid-00197541
This article has a link to a one-page document (docx) in the second paragraph purported to be from the House Budget Committee that has a menu of potential major policy targets and their estimated value. There is no detail and so we can only guess/interpret what the items might mean. | r/fire | post | r/Fire | 2025-01-11 | Z0FBQUFBQm5teE5QbkFpYkFFZ0JfckN6cmxqYWpsMm9UcnQ1eXl1MFhCdTVMdXR4dU4td3VPRzgzZWI5X3J5c1BhRFoyaUMwOUZQWjg1dHpPaVVQb1NGZWxrLWZiT2JjWmc9PQ== | Z0FBQUFBQm5teE5RNlZScDlnbVdrdnY4bGZtOWtwSklJc1dFZllocVdGTGNvWG4zNkE3c2sxa2x2cUtmSVh4WU44dmtfNjVtV3cxRFhfYVJfTW1KeTNybDlQcVZ0SVhwX2djNlAzN3lhaThQOHdWRDdkLVBvdE5LaTl5YzRTRjRMNS1YVlkxemR0Z2pEMjlpeXVmOGh6RmF4aGVjaTE0NXhhaDhlYm1GVF95LU02WXJHYlBzYnRrZDd3MFE1UVFhb2VvR3hVbDhVTUli |
thats REALLY good news!
I mostly hold ISO tokens but I REALLY want all the positive inclusive tokens to do well like CELO as I want to believe in crypto for the greater good of our species going forward! | r/celo | comment | r/celo | 2025-01-11 | Z0FBQUFBQm5teE5QY3VMaDg1NHduSmdFTmRaTmFaT0FieUNsMlpSN1ZwVFlsZUhkRjNadzZWLW9fUXJfQmxLZWhLRndiUzhPX3VXMEtOZkY0RHIzTHBuaUhNbXJuQkdvWkE9PQ== | Z0FBQUFBQm5teE5RT2IyYzJwX1dweFRuS0hGM0dFem9Lc3RQc3F4REdDYXdvX3lsNkFJYk9xdXc4a3BFb3JrcUZ6RmQxLTNkekkxVzFIdFBaTDlDUFctc1pDdWJNOExYVjM0MFpDeVM5NUctX09CMTdVeUQzYzhuRnZQSWRqU2xmUXVSY3U3SEFPYmhvZkUwaWdOWFdzbEI3SjJxZ1RfcU1RPT0= |
For some time now, I’ve had an idea for a multi-chain meme project - starting on Solana and bridging to Ethereum - with the sole purpose of building something cool.
Fast forward to our launch date: everything was ready - the website, the X account, the Telegram group, visuals, tweets, and a lot of excitement. The concept revolved around a character waking up on Solana as an SPL token, realizing it had switched networks, and having one goal: to return and reunite with his beloved son on Ethereum. But enough about the meme lore.
On December 31, 2024, we launched. The chart looked healthy, with organic growth for some time. However, having all our socials and the website connected to the launch made us a target for malicious actors eager to piggyback on our hard work.
Before we knew it, we bonded and reached a market cap of nearly $200k. Unfortunately, a sniper managed to purchase 46% of the supply. It’s likely they hyped the project further through their own channels (speculating) before dumping their entire position and crashing the chart.
[Case study of a sniper attack ($ABU Moonshot launch on 12/31/24) : r/memecoins](https://www.reddit.com/r/memecoins/comments/1hya1q9/case_study_of_a_sniper_attack_abu_moonshot_launch/)
This is a malicious, predatory act that cripples promising projects, drives investor losses, and perpetuates the narrative that crypto projects are just "rug pulls." In reality, many good projects fall victim to external forces beyond their control - actors like this sniper who exploit them for personal gain.
Thankfully, a dedicated community member dug deeper and created a detailed case study of the sniper attack, linked above, helping to shed light on what really happened. | r/solana | post | r/solana | 2025-01-11 | Z0FBQUFBQm5teE5QTkttMTh4NVdURmU5ckdFMXlDbHB4ZzBVQThpdHpaMVc0Y3o5WVRaQTlxQjJqSnpTQVVxbnNhaGtpUlY1RjJtNVZTdkZ1ajkyeVpYdDhJdGhxM2FJTHc9PQ== | Z0FBQUFBQm5teE5Renp0ZEQxY0MwNEZMMU4tNUdmanI2QjI2UGRKa1pMdjBLOWNSTHZHUGlWR0ljRTlWRUxzT004ZHlmMXZPU3lOTmZtZ2NaOFB2WVlCLW81U3pzVENiYkVxZGZ2WkQ5S0xyMlNHeXBYTHZaeWw1bFFBYWh3STRhTjFYWHhNTU10Uy1vbGd6RWdDdjJ1SGZKZ0hFTm9VUlBlYi13OElWeGlXQlp0NUVncS1tYU9ablg4SUN5OU1NYmoyRFBMMUc2YXkz |
Thank you for your submission. However, your karma is too low to post in our Reddit sub.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/zilliqa) if you have any questions or concerns.* | r/zilliqa | comment | r/zilliqa | 2025-01-11 | Z0FBQUFBQm5teE5QZG5vTlM4a0dVOXY3dGlIbkhISTA3dzJ4T241WjZuMUxVcU9WLTdsSXNmZXpFZDJwS0FZd1ZPNUViVXlUVDNEVWo1RkZNTF80dGVxOVVlY3MtaTF1SEE9PQ== | Z0FBQUFBQm5teE5RbWRta3Jjd3VSSEphMmdvRVNJS2RKZW9HWVlUMXctYVlqX0lEOVluU2ExX1pOQzUtekY0Y2V4YXpPamxDNUpTcW9pS0laSmdyUmpLeE84amM0amZWRE54anE2SmRLSG45TkZKcS1CQXdZNUlGNFBFWGdtSm5PakVwQUk1WTNmenp5cnRwdzMzRkM1NkxkQmdoVkhpcWdYNi1UcGJWZGxnLW4wcnRpZ3NobjY4UTFFUloyQ1BiTjdOVmlkSWtXc2o1NGU3alg1ZG9GaklzTkNEdEJZblNKQT09 |
We have all heard the adage “money doesn’t buy happiness”. IMO you need to have your basic needs met but above that I would fully agree. What do you think? | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-11 | Z0FBQUFBQm5teE5QUEhEVnJkQ3BoWjRrV0xPQW1YVXNXUk5SRXlHUVhVcVpVVTUtNVZDUURrbGVNLW15ejNKN3l6TkEtemluN25QQkpnV2E1MzdzZTlmT09oZlRHRjBqUVE9PQ== | Z0FBQUFBQm5teE5RbWVuaUJwOFFpMHd4WmFZalBZdWEtd1RDTjM4WFh5UXFwZWx3Nlc4UnhBbGk1a1hmbUZqS3VqX0dVeTJPaW8zTHhBMlFCMEFSSmd6TTA1TW9ObHhVLV9aNXJaSGVHSDlmeG1WM0ZpNmJBelVlRmdIQVlUbTZFLWJYVU5pU2pjQS1hQ1N4U05tQlNEM01HN2lLTzlmVExZb3l0X0dzR0ZVbzctblU5dThyYzNncVJKbzZlUFprcTdMcGgwWXRTX2Nn |
Thoughts on this? Think it will go ITM at expiration?
Of course nobody knows just wanted to hear thoughts. If I get assigned I’ll just do the wheel and sell calls (Edit: I have already sold these $120 puts when the stock was around 120.) | r/options | post | r/options | 2025-01-11 | Z0FBQUFBQm5teE5QRS1CYkJ1ZmtfZ0JvQklrYWlXQTlUU2lYTDJZZDBtMFpfbUFWUzdDSmZYRmY4N0NCcnU0a0VrYm9wYWxHa1JzdEdrLVpIa21LRUVjMENYREI2QVpiUkVFVm9MTllkZEpFaGdyMkRxakVyNFU9 | Z0FBQUFBQm5teE5RT2JPMWtDNjEtaEZBcTJiSUNTUjBvMjZ6NDZtWEVScWVVaUdVV19neTlpYWhEQ2RJcHZ6eUZHdXh2UGlJYmllNXNIY2dOS1kxZXhrb3BUczNfNTJCR3VreHkzeFJ6SzFxTUl4NUQyRkdMN1N3M0U5dEFrM1hUeEN4enNpb2ZuTHdXcnBrMzY4empfTEpYSTFIZ0tNaEVYY2RFVEl0NnRzV1p1TWhZZ0dET1c1bDllOFpoWmM1SFFYMUpSakV4Ri0taG9wdHNFY2tWdWx5cTduLUdvcWxlZz09 |
So the rumor is that Trump will announce that profits on crypto coins registered in the US will not be taxed. What do you think this will mean for SOL as a Non-US-Coin? Will investors then turn away, as tax-free profits are naturally more lucrative?
There should also be an exemption option according to the article I have read: *"An outlined relocation pathway would allow foreign entities to reestablish in the US to benefit from this \[tax\] exemption."* Do you think the responsible people behind SOL would make use of it? | r/solana | post | r/solana | 2025-01-11 | Z0FBQUFBQm5teE5QZDVTMzdHY2poMU9aanp4RGZ2Y0kzZmUyd041VWtCX01OdEVDY2VobTdkZ0lTVG9SUFIwWFRtTUw5c2ttdDh4aGpTWjZ3dkI1TTk3d3lfb3VVVVo0RkE9PQ== | Z0FBQUFBQm5teE5RTGx1QzNaT1hsOFJsVGxCb1lkd3o5SkM5dERfN00tRXJBMFl4cWpWeUh2ZHREdEt6NjVibnl2UVJqeGxRaXFpdjI0TFMzWHVLZC1FSGU2ZHoyXzRNMHkxOUN5ZHIxZGJXT2JTTHhzZ1ZHSVlBN0hzaWEyVkk2dXZvSXpSX3lRMzk3QTJTT2t2YlVfS1RHVlFPeGM1cXlGSFNnNi11azE0NHdJNWpldXVhRzM4PQ== |
I am 32 years old and started investing a few years ago when I started working somewhere that did RRSP matching up to 5k per year. I am pretty financially illiterate but reading lots of books and articles and this sub. Since then I have gone from feeling pretty okay with my trajectory to not very good at at all: I now have about 20k in RRSPs (mutual funds) in TD’s “comfort balanced growth portfolio” but I just found out the MER is 2.02%, (because I literally just learned what an MER is. The advisor never mentioned it at our meeting when I opened the account and I just went through all my documents and it doesn’t seem to be mentioned anywhere) and the information I’ve gathered on that is that’s it’s too high and going to negatively impact me later on as the fund grows. This is pretty depressing because I don’t know what else to do. Should I transfer everything to ETFs within my RRSP (and is that an option?) or buy bonds/gics?
I already have a TFSA that’s all in ETFs, so i’m not sure if it’s a good idea or not to have all my investments in ETFs. I am having such a hard time reconciling all the different advice I’m getting about making sure I’m “diversified” while also avoiding management fees. Since I got kind of a late start to investing I am feeling pretty stressed and uneducated about what the right thing to do is and I don’t really trust advisors anymore to do anything in my best interest, but also lack the confidence and knowledge to do it myself (and i don’t even know what that would entail).
Basically, I am looking for SIMPLE, easily understandable advice about next steps for me . Thank you so much in advance! | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-11 | Z0FBQUFBQm5teE5QcWYycm9pajhSUlhCUEs4anJyU3hpWElLVWdkeWF6T0x5Z0VITGFJc1RkYWkyLTBhVTdhNjdPMEhMdjg3UXhHV2RWWlo4LVFJdVFSZC1aRElMNHVZVFE9PQ== | Z0FBQUFBQm5teE5RemZ1dkFSdkIzUnpLaTlfWVBpWlBkQ2h6c1M4a2VlUXRsT0lPeVVSTHpXZm5VQ1JEZUpsUGR4NjFTdWEtMmVwVlR6MTZfM2w4dGtHMzJ3QjJxTVg4V3BpMi1Odkt5TEwzSml3ZWxMcGdQZktnOHNCZFpBM1dRNG9wZHhDSVZBMllTYzZCZXFHMk9DWW5BNUJXNTh2Nkk4RmxlTEdhSk5SS29pbmxiYTdNRFdsZVRwY1UyVWd2Z2l1ZVZheU03a194ZTg1WnNhal9ncGM3eVV3TjViTGI1SzNwUWpyWGNJZXNYb2ZvQ0c2UEkxRT0= |
Why aren’t you dumping your life savings into BB? | r/wallstreetbets | post | r/wallstreetbets | 2025-01-11 | Z0FBQUFBQm5teE5QdGprUGVnYld0Nkx3YVV6MUdtUkhTR040QmxOVXVPSXpTRF9ud1RYT2FXc240R3Z6OFIxRmE3TmJLT1B4YzFCSHJDMjhzOFdmX0FRWHdJcTVnYk5Ga2c9PQ== | Z0FBQUFBQm5teE5RNExkeUs2akhXYktpcFNteGF1dUJ4V1NjX0twaGdBeTBTWDhzbHgwakFqSDhsaVZ4S1ZpQXNmNzRuamRfTFNROGFJRXgtTEJoUm1kVDRubUwxRUlqSlFCTDJnNnhJamJHQy00SHRVa1lHTmV2YTdtOVlDaHhBMkVUTXNPQWhkWW4tVWFnanlhM0pWZXlVczRPaXk0VktKQlVMZmU5dkliNThBMW1RRm9GMGRMQ1hmdVhHM0FhVDdxVFg3OE9Pblk3VVZONS1sRXhXN1haaURYUGw1MTF6QT09 |
Warped RONG. WRONG 😂 | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-11 | Z0FBQUFBQm5teE5QQ2xVdkJHLUFvamRzaTNjT3ZEQnJDNnFucUxRYkNHclFTRjRXM1h6eHRuXzNoWTdVLVlRcTN3RENXRHgwcExBdWM2WnhvSkhCbVgyTTFTdnp0dU1QZXc9PQ== | Z0FBQUFBQm5teE5ReW1PX0Ytd0FqVXhlNE9OR2Z1TzJuXy16MHYzVzBYOTJ2MGFFQTFweGM3UFRWejAyUlpOM0g3LUM4UzBQT0ZNbktHbEdvT0hnbHJ2U0xBdDI4ZElrTXBxb2tKLXZweUV4S0pCbkZ6LU45dWU2SkVlTzd4cEZWZGFRTEt2aXRuU0pXVFdwR3JmbVA4NFlpRTZWZ0NTMWtYeU9OQk1HRzd0THM1cjR6WFgtdnpBSWJzTkFoYm5tVWpUUDdQbEk3VUJx |
How did you learn memecoins professionally? | r/solana | post | r/solana | 2025-01-11 | Z0FBQUFBQm5teE5QcDUtcG01RlJURFR2LWk0TWhZTkY0VFBwbVpwMWZoQk9jdVA2czRDRk83OTdjN0NLWDRkSEpSSEMtUy16d0I0STVCM0dXNVNMd0VCOTY4X2x3S0FHMFE9PQ== | Z0FBQUFBQm5teE5Rd09iTXNHWUU0bi1HQ1ZtVG10VnhXT2JJWHNoTTBWTi1ObF9NTGh4cjcxQ1VSNG9scXAyTk1IN0hYZDFsNGhzei1wSVkxZ2lBLUNoWldEMEtWbHZIZmdqUWYtbDhGSXdhMWZrdzEtc0NWaEVJMkhMaTV5Z1RsY2JmYV9mck9qdk56VWRSeEtWaXUzZ2paS3JoM2xyRnlPdjhQMV96Q0k4enppb1lzTC03LTN6Uks5d0VNMThZaS1xRmd4aFo0Y2Zu |
[https://x.com/ArgentumVeritas/status/1878146908562043299](https://x.com/ArgentumVeritas/status/1878146908562043299)
The highest bid on the auction will get accepted on 5th of February!
[https://AH.inArgentumVeritas.app/auction.html?id=16](https://AH.inArgentumVeritas.app/auction.html?id=16)
Happy bidding everyone! | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-11 | Z0FBQUFBQm5teE5Qb1dDMk44eFJKT3NmdE5RRWtmMEtFblRPbGVKRWM1ekd6RHlja3MxbjZ4a2xGVmIxYXJxZFhfRzlQd0lUYXc2ZmUycHR5eHBhV1RWNlJXeTE2LWJpb0tKdDFkZV9VOFM2X0ZDaDVVdmpIQlk9 | Z0FBQUFBQm5teE5RSFp5bHNmbnc5eXE4RTd3M2pCTmUwUGc5M0V6V3BTa2xqeUJsZk9RMU9uZDVLeE9HelBlWURfcnBqLXE4OHBRQWI2UU05UWQ4WlZGc2hwR3dfOVVfLXNtVFpyMVh1S3NmRzF6UW1rTVVNZ2xvQ2tfQUoxUVp3cVhIeHdvREpfVTdiUXE4a0lUa0pibTdvb1FhOEpRVnB2WmJ1UXZyTzJSekZUTm83SmpGSS1ZX0NSR19DaDJWS2RwX1RPVUZ0elQ0VTVSNno4UWhGR1dPMVE5d1JIamJMZz09 |
Hey,
As everyone knows, the new U.S. president, Trump, will officially take office on Jan. 20.
How do you think this will impact the crypto markets?
Do you think it will be the same scenario as what happened in last November? | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-11 | Z0FBQUFBQm5teE5Qc2I1cWJYdVdQaXJHQkg1cXhIRmdrR3kxeXZHbEJyTXdHd0dYNGlqLU9yQmFMZ3pMdzJiaHBldUxIRUFlRGFWM190eGdQZng1d0dxd2tqeTN4MDd3a3c9PQ== | Z0FBQUFBQm5teE5RQzZoUlJOOWdxOGZUcGhiT1hQaHZaY05vV1o0V3ZRMzE0M0FjczFLaVRLUlNrT0N3TnJFZlczSzVXeFhPdUFFYlBOXzZtam5FaVE0MFI5ZFBGbS1Rc1hxbFdXYjYyZ255UUpmNGdtQmJjZkVSUThUYnFIUUU5U1JfcmEwVUp3aUdkZHBsRmdpRnNJNDlpWDF2bHJfZ21ZTWJYWXBSNmE5Y2lLZGtOYllnMk1Uc1VNVDNiN1NHbUlDUG5ZcWJXX054ZXVueDhmdGVucVplVTRpWUs2d3hhZz09 |
Okay, so everyone remembers me when I gave you the 500 bagger play on $DJT in March and everyone made a ton of money. I also gave the $DJT play in Jan and in Sep 2024. Well we're back one final time.
I want to keep this DD super simple. $DJT is Trump's tech company he owns like 60% of called Trump Media & Technology Group. Everyone knows their earnings are shit but the company has NEVER traded based on earnings. The stock has been trading for 4 years now (first as DWAC now as DJT). If you look at the chart over the past 4 years the stock basically trades flat but has these insane 100% - 300% pumps for a week and then falls again. Let's look at what caused these insane run ups in the past.
* Nov 2022: Trump announces he was running for President - **Stock went up 100% in a week**
* Jan 2024: Trump wins Iowa Primary - **Stock went up 300% in a week**
* Jun 2024: First Presidential debate with Trump / Biden - **Stock went up 60% in a week**
* Sep/Oct 2024: Presidential Election run-up - **Stock went up 400% in a couple weeks**
The final play in my opinion is the Inauguration happening **Jan 20th** (next week). It's going to be the biggest event in the world that day, everyone's going to be there and Trump will officially be President of the United States. I believe $DJT is going to have an insane run-up starting on Monday (we were green Friday even though the market was blood red). My positions are below:
https://preview.redd.it/mlu0pd9u0fce1.png?width=2398&format=png&auto=webp&s=7c4527ea0b5890466b23df7c0580ed5b2fedecde
**Positions:** Shares and OTM calls. I believe the Inauguration run-up will start Monday. I could be wrong, but if I am wrong, this will be the first time there's a major event with Trump that $DJT did NOT run up. So I am 95% sure I'll be right. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-11 | Z0FBQUFBQm5teE5QTlFibk0xOEdseTFWdHBDRnJ0ZDJTSnFwSVdSLTR3WXV0VkQ1S0VsQW1XY3JiVUplakJCQjBpVnZ5RkZZUVZlekt4ZEpTSndGUnY0TGN0ZXRhTDkwbHc9PQ== | Z0FBQUFBQm5teE5RbU5fdVZIYW5PRmZkSjVTLVdBUXBXNi1FQkl0MzFybkN4X0s0V2I1Q1FrYl93VnlkeGpESm9fLTVvSXFLbGJsOWRsZUZDWS03R1JuUGVTb1JCc0FQWTZKX1UtVDhQZ3EyalpmU0k1eDgzanQ4Q3M4dnN3d3lieEVXeTJfT3pIaTYtTmtoRXljc3Rad1lFalNMS25QZDF2cjZ0Y2xCeV9vQTE3OENOOEd1cVl2aTBVUW9aR1l1bEhLMkpzUi1lckxsT0Fnc2ZWTmpWSlZUdElmU2tvMDFSQT09 |
Why is this information seem impossible to find? Every article seems to talk about averages in 10 year rangers. For example, age 45-55, 55-65, 65-75. Considering many people start retirement when medicare becomes available, and many may wait until 'full retirement age', I'd think that year by year averages would be MUCH more valuable than those spanning a decade.
Also, rarely or never is there a discussion as to whether those numbers are for individuals or couples. Really, if I were to have $400,000 and my wife were to have $100,000 (or vice verse), "we" have $500,000. So when articles talk about "the average person", I'm much more curious about the average household. | r/retirement | post | r/retirement | 2025-01-11 | Z0FBQUFBQm5teE5Qbkc3SFNmN1lEdTExTENnQW9ZVTFyZ2FMZUJpLUNWRTBtOThfVmtIYWlxWHJnT0M4U0dnUFpPcEVjQUNkWWgtOGd6R3d2MUxGVExrM29XMDdzbWE3U3c9PQ== | Z0FBQUFBQm5teE5RWFNTZzI2LW1KendGNVdtVWhnVlF0dGJmZmt0ZXlXRjgtVEpqMlNmTldWWjFNY1pWTkljNXJYXzZnUjdTVmZnanB2dUhxQ09fNTc2MUdDTFFhN0k2cXFVckFBSjVJZDc2R3ZPMG1LYUpZTlNDZVl3Q0YydzZuWllZanVVNjZlQXhEV2Y3dmdvUEUzN2Zmei0wVUpMQ0lHWmxYTWE4aFRydW8weGNBSzQzWVJCalpVcU9lOVpkTE9pNzhEVmtjVkJXSzFDOFhHV2VxQ0M2WnV5T1NheHktdz09 |
We've been together 15 years (not married by choice) and we're expecting our first baby in July. We have always had separate finances where he sends me his 50% of the bills each month and it has worked for us. Now that I'm pregnant, I've been a bit worried that this arrangement won't continue to work. I've already been making lists of things I need to buy, but I'm realising that my salary will get depleted very quickly if I'm purchasing everything myself. I know he'd split things with me if I ask, but I feel a bit tired of the "you owe me x amount" situation, and I'm not sure I want to model that to our future child. I'm ready to combine our finances, have one joint account where we both get our salaries paid, and all bills/expenses come out of it. I think we should still have a certain amount kept separate for guilt free spending.
My question is, how do I approach this conversation with him? I've hinted at it before and he didn't seem too keen. I'm nervous that he'll say no, and then I'll feel a bit resentful over it. It's my own problem really, I'll have to get over it, but I want to go about it in the most sensible way so as not to make him feel cornered. I never thought about it before but women go through so much with pregnancy and childbirth and it has really made me second think the whole 50/50 thing that we've been doing. For context, I earn 45k and he earns 60k. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-11 | Z0FBQUFBQm5teE5QcFVTeXJkMGJQM1pYWTM0ekN2RmRuS0h5WEdhLTFENEtjU0l2TUNYUE5xZmZTSy1LdGlFalNjNWgwTkFtZXo1NFFYZEZuTms3azZkWEhHUXRTMmQxR2c9PQ== | Z0FBQUFBQm5teE5Ra2tnX1FfWjM5RlVKX2ROY3JkZG1UVFVNS1RGeEFPRmRGZHNDOWtaY3dNTVctWTZ6eVRuNGhhVnJ6cTNvUHFtTGo5T2RCa3pLYUVuc1I4MGNtUHY0Q2tzNjgtQ0RwQ2JtZzhqN0dmVWFRWWt5d2xNOUw2QzBYdU5FSTlHdHhDVXdDX1QzUHVzZnhyZDR2cF9mNnJlYlM4SUxEVjlzazNaLUVkZTZUN3V3SjkxbWpVN1ljemhSQkpvZjNOU3Q2cHZ0dUxROVlKRk5OUnRKOWNjNVV0QlNaZz09 |
The US can be such a sh\*\* show when it comes to crypto exchanges. One exchange works for one thing and it just doesn't work at all for another: Take Crypto com for example, pretty good selection of coins, sometimes a little delay on the price (but, manageable), and feels pretty secure. I can only use their phone app. I can't algotrade with them b/c their API is tied to their exchange on the web -- which is not available in the US. Another example: Binance... can't trade properly without a VPN and even then, using one can put an account at risk. Pionex has a crappy US version that isn't as flexible as the .com (international) version. The list goes on.... I've signed up for so many exchanges for them to end up closing out in the US or for them to have exceedingly strict limitations within the USA. **Has anyone found a good solid exchange, with good solid API documentation, with a good variety of coins, works in the US, AND has small fees?**
Edit: I intend to use Python for the trading. | r/algotrading | post | r/algotrading | 2025-01-11 | Z0FBQUFBQm5teE5QQkpienp2ZEFOd0MzVnktcXRIWGw3MVpLcHNVQU5FUjNrSEVfVDJwa3B5amo1R2VjNE5adXQ0MUJFand0d2FxYkhwMHNvbVR6VW9ySWo4MU50b3NyRFE9PQ== | Z0FBQUFBQm5teE5RbzlzWW5ZcDVuX19YaUxkMzRqNjUxeVIyMGgzdzhVVENWdkRDbUQyckFwTk9LamZyRVBoUFZJV2dISm55aS1BQS1tdWNqZmJpUEJwUGpvM1l2RkNFbnZkOUFxQnFaU3V4ZUZfdF9WX2lqdVBUMFkxS1VDN3ZnMEUyWE5qNE5uNTkwdDNIWmxGODBGMS1Ld0NHd0Y3bHRTb2gtVUN0Ny00Y2xRbWJ6ak9lcHFyS085dXNtZ0JEREJ2SUNINHNSTmVLdlRoLWRaNDBleTlpSUdQTnhRdmszQT09 |
Original post here: [Anyone make a large purchase with a visa gift card from Cake Pay? How'd it go? : r/Monero](https://www.reddit.com/r/Monero/comments/1hvhjfd/anyone_make_a_large_purchase_with_a_visa_gift/)
I was looking for a way to pay entirely with crypto to buy the top-tier Surface Pro 11. And through Cake Pay i got a $3500.00 visa gift card and it worked just fine. I paid, purchase accepted, item arrived. All is well (well except the device--that's likely going back, unfortunately. Apparently there is such a thing as r/pwm_sensitive on pwm/OLED screens and I have it).
I will say, however that the visa gift card has a lot of KYC involved--and I didn't try it with a fake name, as the price of the purchase was large enough I didn't want to risk the gift card failing as they do seem to function like a proper debit card: 16 digit number, expiration date, ccv code, etc.
And to be fair, KYC will almost always be an issue with an online purchase because ideally you want to actually receive the item. Even store gift cards have serial numbers, which may or may not be linked to the orders that were paid for with them. Best way to protect your privacy and personal information through use of gift cards is in person purchases, of course.
Anyhow i figured it might be useful for anyone else looking to purchase large cards through Cake Pay.
Cheers! | r/monero | post | r/Monero | 2025-01-11 | Z0FBQUFBQm5teE5QUXBCTzZLbVk1WHIzcjRQWVU4MVdQZ3M3dHpET2dvX0twR3QzbjJiWWIyZURtblktN3FMcXU3R1ZGNkxBZ0NHa0tJTWJqaUFwdERFX09mRktzOUxzdTR6SF9nbHNQeUtRd3I2Z19ucDUzWU09 | Z0FBQUFBQm5teE5RMmVGc016YnE5V3JTWE1iQWFPTExlUFBlcU5OcG80b1JEZWZNZmhibWJ3UFgwdU5PY095ZXZKSkdHZW4xY3pGS3llTG9pNllZdllFcE9GVENIVkRYSkFqOEJkaFFUdjUxOFltX2h1WXNoNlBHQVd0aTVPNDB2RmdTdVVSUVFaX3pLNGFZUVZiVnZVSVhWS3hHaWs5dG1xSlpBRjRONWRRVTcyOUNKbi0zZ3VDRXFoVjVObVdCNnRvcXY2X3pZZ01QUUJqQll3Nk5NN1BrREZvUWhGYlAwQT09 |
Thanks! When I run this I get none as a response for both the proxy and implementation contracts. Is it case sensitive?
Specifically:
url = "https://api.zilliqa.com/"
headers = {"Content-Type": "application/json"}
staked_data = {
"id": "2",
"jsonrpc": "2.0",
"method": "GetSmartContractSubState",
"params": [
staking_contract, # Smart contract address
"deposit_amt_deleg", # Field to query
[wallet_address] # Your wallet address
]
}
staked_response = requests.post(url, headers=headers, json=staked_data)
staked_result = staked_response.json()
Returns:
{'id': '2', 'jsonrpc': '2.0', 'result': None} | r/zilliqa | comment | r/zilliqa | 2025-01-11 | Z0FBQUFBQm5teE5QZ2VUZ3c0bTY4blFMSHloSG92OFQ4bm5SRjdNMHJtV2M4WmlQeW5lbExvdzJJN0Z4RnJ0bHRlWUhma3h4LWRTY2JsM1k1LU5hWDlqdDVaSGF6WjUzT1JRVkVXNUQtU3RPVWUwQm5Ua2c2eXM9 | Z0FBQUFBQm5teE5RNGZiN0lmaVM0Z3h3QV80dUZwV0lxOVFUdzZFdktzTUZZUzNJS20wUmlkOHkxVkJ5UDVkbXM3dllMT19NeVlkbEtPb1hZZ0pmOVhqSmw3My1pVTU2amtTdkdtN1pnS3B1Wk1tQk5taEN0Z1pYQXExcDNBdUZVMW5TYS0xZjhEZ3h4U2VoaHpxbk1oZDRUcjFwREFHN1hGQ2JDb21Od3M2cmdJa24temtaNTRVPQ== |
Image version here: [https://www.earnitback.com/content/images/size/w2000/2025/01/Screenshot-at-Jan-11-2-08-49-pm.png](https://www.earnitback.com/content/images/size/w2000/2025/01/Screenshot-at-Jan-11-2-08-49-pm.png)
More detailed image version here: [https://www.earnitback.com/content/images/size/w1600/2025/01/Screenshot-at-Jan-11-2-37-04-pm.png](https://www.earnitback.com/content/images/size/w1600/2025/01/Screenshot-at-Jan-11-2-37-04-pm.png)
**Text version:**
Many people try to optimize their cashback strategy, but this is the most optimized strategy that's possible (I think), the end game for cashback credit cards.
Surprisingly, I think you only need 3 cards in you wallet, 2 in your mobile wallet and the rest can be left at home, so management of the cards shouldn't be too bad, though everyone has different tolerances.
I gave alternatives to the Citi Custom Cash Card because of the low limit and the hard nature of acquiring more cards. Doing the complete setup would take some time (in particular the Citi cards and the BoA CCR that are PC for no FTFs) but would be a lot faster with a P2.
**Cards needed:**
Online (and Costco): Bank of America® Customized Cash Rewards #1
Restaurants: Citi Custom Cash® Card #1 AND/OR Bank of America® Customized Cash Rewards #2
Travel: Citi Custom Cash® Card #2 AND/OR Bank of America® Customized Cash Rewards #3
Gas: Citi Custom Cash® Card #3 AND/OR Bank of America® Customized Cash Rewards #4
Groceries: AMEX Blue Cash Preferred® Card (same card)
Streaming: AMEX Blue Cash Preferred® Card (same card)
Amazon: Prime Visa
Gym: U.S. Bank Cash+® Visa Signature® Card (same card)
Utilities: U.S. Bank Cash+® Visa Signature® Card (same card)
Apple Pay: Kroger Rewards World Elite Mastercard®
Everything Else:
U.S. Bank Smartly™ Card
Abroad groceries: AAA Daily Advantage Visa Signature® Credit Card
Abroad utilities, gym and everything else: Bank of America® Travel Rewards Credit Card
Also needed for extra cashback from Citi Custom Cash® Card:
Citi Rewards+® Card
Additional cards for extra cashback in low-limit categories:
Bank of America® Customized Cash Rewards #5 (Online #2)
Harris Teeter Rewards World Elite Mastercard®
*Miscellaneous cards:*
Citi SHOP YOUR WAY MASTERCARD® - Great cashback offers
U.S. Bank Altitude® Connect Visa Signature® Card - free 5GB SIM/month
Penfed Pathfinder Rewards - $100/year free travel credit
**Footnotes**
To get 5.25% cashback, the Bank of America® Customized Cash Rewards Card and Bank of America® Travel Rewards Credit Card requires $100k in assets with Bank of America.
To get 4% cashback, the U.S. Bank Smartly™ Card requires $100k in assets with US Bank.
*The Citi Custom Cash® Card offers 5% cashback, and pairing it with the Citi Rewards+® Card adds a 10% rebate on redemptions. This effectively increases cashback to 5.55% due to the rebate compounding.
It can be hard to obtain multiple Citi Custom Cash® Cards. Over time and especially with a second player you can get there but the Bank of America® Customized Cash Rewards Card is a lot easier for most people get multiple cards.
† The AMEX Blue Cash Preferred® Card has an annual fee of $95 but it is waived for the first year. Reports indicate you can get a retention offer every year for a free year.
‡ The base rate is 5% but you can often take delayed shipping for an extra 1% cashback. Prime Visa requires an active Prime subscription.
§ If you spend $3,000/year at Costco, the Executive Membership is worth getting, when buying at standard rates. You get an extra 2% cashback.
¶ Through purchasing Costco gift cards on Costco.com.
◊ The Bank of America® Customized Cash Rewards card can be foreign transaction fee if product changed from one of Bank of America's foreign transaction fee cards.
Δ If you pay your gym online it might code as an online purchase so the Bank of America® Customized Cash Rewards
5.25%◊ could be better.
**Assumptions**
Cards with annual fees are considered, and effective annual fees are calculated with easy-to-use credits.
One-time incentives such as sign up bonuses or the first year of the annual fee being waived are not factored in the calculations unless it can be reliably done so.
The assumption is that the spend is for typical spend levels. There are some edge cases where another card might be better for very high spenders, those cards are not reflected here.
The percentage has to be consistent all year round, no rotating categories.
**Limits**
Bank of America® Customized Cash Rewards: $2500/quarter. One category per quarter.
Citi Custom Cash® Card: $500/month. One category per month.
Citi Rewards+® Card: 100,000 points/year
AMEX Blue Cash Preferred® Card is $6000/year on groceries.
U.S. Bank Cash+® Visa Signature® Card: $2000/quarter. Two categories per quarter ($2000 is a combined total).
Ralphs Rewards World Elite Mastercard®: $3000/year.
AAA Daily Advantage Visa Signature® Credit Card: $10,000/year.
**Wrapping up**
Any suggestions or improvements would be welcome, I'm interested to see how optimized we can make this and it'll be a great resource for people to use going forward. | r/creditcards | post | r/CreditCards | 2025-01-11 | Z0FBQUFBQm5teE5QT1ptYjRwdmVZTS0tcDhvYlQ5QjNwS2lxOUdMZnI1djF2YmtBcWZkMGpxcE5iX1plWW5kOXNTTkhMTGNfM2NXWXFLM0VjRDloRnhmamw4bS1zWmlTMXc9PQ== | Z0FBQUFBQm5teE5Rbi04NnlXZFhpZkVZWGRONnFhQ3luUkRnMHlpOW5aUzhBSHloamlabGZqeXNnRGJrTWQ1cnJHYjdBcnowc2FEVmtGWXMzMzVRS3JnbGR6LWU1ZnVsTi1HWFNlaE9WOWFVcTQtc2RhbHFLOGMxLTRWV1lES09NNXlsdEoyVzRfTl9SeEZveV9sTEREdXhXeGdSQ2ZhazZ4TDZ6VnYxNXZaSmNkblJMX3lFSllRYW4xZk1QWlI4SHczRHZCbWZ1OVJYTDVBbW1DNUZ1VGhQaTBaZnA5dWd4QT09 |
delulu | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-12 | Z0FBQUFBQm5teE5QdldLaTJEMXRmZmF5UHBnRF9hUl81SUktdUE4R2RGWDNPUlNlTUFRbGllaTUxUTFRaURKaHNQelM0OTRqNjJNWkhtd2lzQl9Lc3pKYWZodm5DcERHUm9YcWhzQXVLTU9JZTZiOERRZW5KNmc9 | Z0FBQUFBQm5teE5RbEwxczVWVTk2NXZaMzhIaTZmdTY1c0lGWHM0U3d2LWxHUGxkZE9oUVd4R3JwQTVYZHg4bTBHUFluM0ZSS0JjQTJsSGROZ3NWX2RrYjdWSjFRUVlKUXBEUzBSZk1MZ0FlR1JZaXZFMk9Hd21VWi1KWXlUMzlOSkNvV19Bb3l3OHpjVUZTQ3p2QklLV1pucjZMTHNTR1RqUFVkcktJU3ZBd19mUWx6UWlhTnEtR1NWX3dteEE1ZHNUdWV2VHdrMWVU |
I’m a 30yo male and was diagnosed with a chronic illness last year that left me mostly bed-bound and unable to leave the house. Things got worse 2 weeks ago when an ultrasound confirmed a tumour near my pancreas and my doctor today said he suspects it might be cancer. I have scans scheduled for Monday to confirm and start treatment.
To make matters worse my work’s insurance denied my long term disability (LTD) claim due to a pre existing condition clause, even though my current illness is unrelated. Lawyers I’ve spoken to said I have no chance because Canada doesn’t have laws protecting against this clause.
Now I’m left with $0 income. I was approved for the Disability Tax Credit but my CPP-D application is still pending and could take at least another 4 more months. Even then it will only pay a max of $1,260 pre tax monthly (although they’ll back pay all the months i’ve been disabled since). ODSP might take even longer as I hear people say it may take 14 months or longer due to high demand from refugees.
I used to earn $160K annually working my dream job and was about to get a promotion before I went on disability. Now I’ve gone from that to nothing in just a few months. Thankfully I have good savings that should last me 2 years for housing but most of it are in TFSA and RRSP investment accounts (assuming $0 income).
I’m in the cheapest housing I can find in Toronto (a 1 bedroom condo) for $2400 a month total mortgage and condo fees-and I need to stay near Sunnybrook hospital for my treatment since I can’t sit or drive for long. My other expenses like food are around $600 per month. I no longer drive nor need a car.
The worst part? right before I fell critically ill I leased my first car, a Honda Pilot in March. The payments are $1,000/month for 48 months with a $22k residual and a total buyout cost of $50K plus tax. I don’t need this car anymore and I need to minimize costs. How do I get rid of it? Dealership is offering me $43k but i owe $50k plus tax on it. So I have to pay them $7k plus tax for them to take the car back and the car is basically brand new with 2,500km. I don’t want to pay for it anymore since I don’t know what my physical condition will be like soon.
I don’t know what to do at this point. My savings won’t last forever and the financial stress is making everything even harder to deal with. My mother has agreed to help me $1500 a month starting next month (from a text message) but I don’t trust her 100% since we don’t have a good relationship.
Edit: Thank you all for the supportive messages and comments. I have recievced more love from strangers online and at the hospitals than my own family. I am very grateful. | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-12 | Z0FBQUFBQm5teE5QN1NieElUMjFzY0RkMWpMbERfSzZfdlhkanpwQnlPWGxFdGkybnpqMzRjbjNMS2s0RHdWWTFiOVNfb0UtcXRYZEJ5QS1sY0tGc0Z1dG8yeGtvU1VvOXlkNE5hVThtZW91SHNCaDNqeXVDeFU9 | Z0FBQUFBQm5teE5RZ0lnSFliQjJXV3hXZGxaYkVObWZENzB2LWFoYXVCLVFTbWRpQTBQeG9WNTI2Z0dHc0hTeVhaOVBLRnhvLVZXanE2RFlRNDhYVTdwZDIwYzZ6aHNvUFRwZDU0ZE1QTjZvYlFoUWh5dGdSeExQTGxaQVAwQjE4Mnc3TTZNczRSbHRkVERESFBfdGNNUzhOSFU3bWMwYzRjZHFpblhYSW1hS3hBS19aSUQzd2VBTmNkU0cxel9ieTZqUmxVU3JicDFvUEtuVTFyTDFnajBkdmZXSVU4SVUwQT09 |
All that matters is sentiment. The same can be said for 99% of what's out there, but that won't stop it from rallyingm | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-12 | Z0FBQUFBQm5teE5QbGFrNWlabkJ0UDl4UUJvTlEzRS1OS1Z5OU1GT3B3WDdVWElYSC13RmNhMEQycTYwRTg0cG9veDRVRkkxSGZtWXZRcWQyS2pndm1uLWoxclU5MmZyc0E9PQ== | Z0FBQUFBQm5teE5RT2EwSkNnd2hqeUxBS3hJeXMzZ21MU19lcmFmRUU2R3pxbDU5OEJ3WUdKR0xSQjhLbkFWdm8zNXpvQTNMYV9uWklQMGFUdmZEUUl1UzFUdzdmVEFSVm4zMk9kaUhUS3B3bUV1LVRENVVxWGRBZ29CaHpManJMdWpNNXZaOFpuQkxidVpYZzhRM0doakg4azBTRUNuUGF1eG1JVnhrNnFoQzhkSjZ6MElFX3BHdHdLNTFxUWpzdHlQNmpDMGhOWm5taER3QlhDZ0JyVlY4dXlpalNOWVIxM085QVFEZG1RaDJDYmVTTTFHNC00OD0= |
CoinCodex forecasts a range from $0.67 to $0.87 for XLM in January 2025, but again, this isn't tied to the political event.
Yeah ok we'll see! That would be great for the community I'm not shilling right now.
Just hodling!
| r/stellar | post | r/Stellar | 2025-01-12 | Z0FBQUFBQm5teE5QUmVndUc3Rmt0N21vRlZxajZBRUhWMFZhdXdERHVxWGQxaGpJeEtXejJMYkFaSHd2NzRNV1M2Sm9xSlVIZjZneEV4aHVUR3hvT1hZUjRDaGxuRDYyMXc9PQ== | Z0FBQUFBQm5teE5RQnhLMGRwaWNHMzEwcmNFdW1NYVdqaUpOOVJYMWxENTNURjNYclZxNWlqRG1NZl9oQkxwMUtxQk8zd0R2Ujd1aGJ1bmFTYTFuMW0tYVBiRmdabmZPZzZ3VDVEd1IxdFJtdVZtV1BIR0FKQU9vdGFjUm5QUzVLV0VHV0ZLMUVJbTRPTEVNbGtvdWowb1NJN2JYejNBeWRrdFliSEtmN2c3UThoLWNlc2p0NEFjWTRLZWxZbF84dkhjN00xOXpxOVl6 |
has anyone tried paying for high resolution historical data access and pulling all the data during one billing cycle?
im interested in doing this but unsure if there are hidden limits that would stop me from doing so. looking at polygon.io as the source | r/algotrading | post | r/algotrading | 2025-01-12 | Z0FBQUFBQm5teE5QYldUYWREOUJQQ0poNWl1YngyXzJnbl9xeUR3cG1QazVwZGxZaE5sSFJRNm02SUFiNFFITlpaRXpKSjNoaTdxWTd1VkxRODZEdmt5YjB1cklxZkJiSmc9PQ== | Z0FBQUFBQm5teE5RaEwyaC15MVBDem5rakQ0MU83VEM3dVZmTThsR2dnTmk1ajZBcWpYNXRpZ1NDTE5iX1hzNHcyREpnRXhpaENBSzB2NWo3YTlxZ3dxMGdUMzB1SktCcV9QcjVaLVUzV2dDUy1hbFo0eW1vWVhqVW42UWpBMUwwRUw3bS0ybF9iVW16Q0Yyc3ZXYWNWdDI3QVRhZjVVcUdsUThtcTJjdDNsOFNQYmxZUGYxRWpHU2VZd1ptSTJGSGxRMnVLZ0JjVVRS |
I just wrapped up my 18th year of trading options. Without a doubt, trading has changed the trajectory of my life. I'd love to share elements of what I've learned across the years to help someone else on their path. I'd love to help share the litany of mistakes I've made and things that have helped me.
**For those interested, here's a cliff notes summary of who I am:**
I grew up poor with a single mom. We had food and a house but struggled heavily with money. I lived in a violent area, walked through metal detectors daily, which funny enough I had a knife pulled on me twice (apparently didn't work lulz) and was stabbed in my hand once fighting to defend myself. I'm 33 years old now and started trading at 17. I was in JROTC since 9th grade and had an instructor that served as a mentor to me. He saw I was working a bunch of jobs and asked what I was doing with my money. My mom provided an ideal example of working hard, she had 2 jobs for a long time but was terrible with money, so I just was saving and helping out at the house. He introduced me to the concept of investing. From there, I hit the library to learn as much as I possibly could. Because of the same mentor, I ended up not enlisting in the Marines but applied for a scholarship which I won and became a Marine officer. From high school through my entire working career, I traded. Through continually working additional jobs, aggressively saving, and trading - I hit my primary goal in my late 20's to retire my mom and ensure she was taken care of financially, she had no retirement plan. I became a millionaire before 30 and have continued to compound. I do things like this now because that teacher took the time to share some life lessons with me and it literally changed my life, I hope to help others. I have an undergrad that was stats heavy as was my MBA. Statistics provides a great framework for analyzing the world around us and what you need could easily be learned via ChatGPT).
My general trading approach is discretionary and based on adapting to current market conditions. I've maintained a 31.6% CAGR from 2007 to 2024 with the last two years being my top performances, and skewing that metric a bit. Removing those, it's mid 20's. I've had two negative years, my first two both down less than 5%. My initial philosophy was not to beat the market to the topline every year but minimize my participation in the drawdowns which would allow me to outperform the market.
My options trading approach:
* Mix of long and short premium ebbs and flows but typically 30-50% of volume is buying with the residual as selling.
* I split my portfolio into two broader buckets: Core and Speculative allocation. In my core allocation, I typically use a trend following approach in an index (or leveraged) index ETF. This gets the bulk of my capital and I trade a covered strangle typically here. The Speculative allocation is much more dynamic and designed to take advantage of whatever the current market conditions are. I generally trade Ratio Diagonals (call and put), short straddles/strangles (generally for VRP, earnings, and 0DTEs), and long/short single options.
* My favorite options trading books: Options as a Strategic Investment, Positional Options Trading, Volatility Trading, Option Volatility & Pricing.
* Top 3 things that helped me on my path
* 1. Creating a written trading plan and demanding that I think through things ahead of time. I wanted to have strategies that would allow me to trade every market condition. I made frameworks to make planning, decision making, and researching more efficient.
* 2. Planning. From my start as a trader, I spent a lot of time planning my prospective path to help me frame my near-term actions in the context of longer term goals.
* 3. Papertrading with two distinct mindsets: 1. Deploying the portfolio as if it was my actual money (because I knew it was going to be) and 2. To test ideas and variations to strategies.
>Hey everyone! Hopefully was able to share some useful nuggets. I’ll plan to do another in a month or two. Have an awesome weekend! | r/options | post | r/options | 2025-01-12 | Z0FBQUFBQm5teE5QRW9qVlMzcE9Cc0xCRTVfNVNmYWlSUmJNSXF5TXVoSE5WSzQ2aWt5b0RIS056QVp0ajN4V3BCRXF4b1F0Y3lTZHNySDRyT0NnaVYyVDJyZXhpeTNGb2c9PQ== | Z0FBQUFBQm5teE5Ra0plYklBdlJ6ZU9FdUtqU2txYV9lX1EtTmkxbjB4QUJJaXFuZWlQN3RSaDNLVGdUMEdtd3hybGdGeEwyQU92d19ma1VVVXM4eVFfMVljMjFfRHBvZDdJSUQtZ0lhdFhSaXctMDhPc0FYb0xwaURMMDRNOVc2Vmo3TTVCTkxoemk2NzB5OGVnNV9hd2FNdEdpdXM4YnpNMzFCd0I4c3JFVzNUZjRFQ1dDNDgzcFFtRHh4RlJ1TGZFNGxFSmdqTHV0 |
In their research, the authors employed the trinomial model to price European options by constructing a recombining tree where, at each node, the underlying asset could move up, down, or remain unchanged. This approach allowed them to generate unique relationships between risk-neutral and real-world parameters. By calibrating the model to empirical data, they developed implied parameter surfaces for select large-cap stocks, facilitating a comparison between historical parameter values and market expectations.  | r/options | post | r/options | 2025-01-12 | Z0FBQUFBQm5teE5QOGlETDU5X1N4RU5VbDBXeTc5c0ROZzlKMzR2T19yWFg5NHpMTzFqVkprNG5VNExYMHVSOW44eFAyM05iMHcySGJvQkc5NmdFZXV2WTRxUjh2LU8wN2c9PQ== | Z0FBQUFBQm5teE5RZVNKRTRSUUE2cTRVRjBkdzhxcXZMNzlRMkFVOEdMTV8xZFItc20tN05IMXB3WWdCZ2F5cldpbm9janhqaHlyODdYekxIMWw5X25nV2VWaTlhcWgwS2J6dTFhVTZIZEszSjlVRjVDVm9xQm9UdmpEbjY3SUx3OEdadktQdTBQdldDam1rT095WEhfQmlDOU5RZmI0c0ZGSHlZMGd0S25yNHJIUGZlNEFva01XdjA2dHJIdHFiMERWeDA1QVc2clN3Q3Nwa1pFa3Vxa2dWcWpINlc1U0xOdz09 |
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