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I am completely new to all this. Just got 3k at 106k of BTC and planning on getting $200 every pay check.
Does anyone really think this a bad idea? I can comfortably spend the $200 every check. | r/bitcoin | post | r/Bitcoin | 2025-01-28 | Z0FBQUFBQm5teE5QTzV1SGt4TTZ3SG9NNm5fY1oyaWZOdWJCRHdPczh0RDRGRXhXaFpLRWFmcThWWEp2TTE1LTlZOU9RVjVNSFdTT3ZhMHZGREY0ZUtDZVRhbFRoZU5UazliSHRDbmtJTTRXaVpuNlM0SlNsUms9 | Z0FBQUFBQm5teE5RYTR4UFpyODE3dkVTTFB2R2VQS0lHVmhZNDNwdDhRd1JLT1g3UURSbTM3emNoM3Vfc2dLLURtVzJJR2tjSU95NklpUy1IcUVWQTc2eGFuLWdocE5yNjJzT2daTS1DV0sxcmJwRHFhSGRGRXE2QkxOcWFfeTNwUFZUc3R3NUc1bTMxZG9IU256bFprZjQ2UHRDbW1oTTZqemJKaW4ySE5YTXo0ejUwN3gtVURZPQ== |
I have recently given up all desire for material possessions and once I graduate in Dec I want to take a year to backpack and ride a motorcycle from Indonesia to Portugal just for fun, would I be cooked in the career world of finance if I dont immediately start working after I graduate? I also have no internships and low key hate working and don’t give a fuck about my career. I’d just fund this trip with my savings that I’ve acquired from working the last 5yrs. Is this legit or am I retarded?
Also while I have chosen to give up all material possessions I am aware that in due time I will still have to have a job and and probably a family and shit so I’m not completely checking out | r/financialcareers | post | r/FinancialCareers | 2025-01-28 | Z0FBQUFBQm5teE5QbDdZeUFoSGV6XzJnR3BxZlhhU0lMOTJodWJTUDB0R2NXYmJwbzJZZUtEZEM2SzdKdjcyaHF2aTI5U3VNX0ZzMGstZXFpQkpmaTg0ekFLajNSQTRNeS1iZERfU3o5cWdYWHJZaHN5dFZ4bTA9 | Z0FBQUFBQm5teE5RdkJuTTdMNEtJTFdSbk81UHBzNU82eHpMSGhKMi1OdVp6bzl0WU5ReHJXRVhZLXpycmg4X1lwbi1WVlkwWTFrU0RZWWw5SW9IX1NrTGxNWXRMQmpfUlRDSlp5ay1peU9RWTdjNzgwNkJ2Z3pYQjV5Wm1rR0VrV2FWYUx5RG1kZjZuZE5wYWlnSVFxRVU3T1dFdFpIcUxoR0NlOHItY3hzZF9xb1FFM19lNGcwaGZHV1VMN25sTl9mLXo1bXkzUEloekJoa2tudUxyRlMzRGNkUVc1TFlMQT09 |
Hey guys, Pure Cycle and Drake just announced a partnership for the production of continuous filament yarns, which could be used to make items such as rugs, upholstery, and apparel. This is great news for them and a nice change after the Procter & Gamble tech scandal they had a few years ago.
Back in 2021, PureCycle was accused of pushing unproven technology and making overly optimistic financial projections, to benefit executives and SPAC sponsors — even some former employees' testimonies backed these claims.
Surprising no one, $PCT dropped after these accusations, and investors filed a lawsuit shortly after. PureCycle has already agreed to a $12M settlement to resolve these claims.
The good news is that even though the claim deadline has passed, they’re accepting late claims and you can still [file for it](https://11thestate.com/cases/purecycle-investor-settlement). So, if you bought shares back then, it’s worth checking out to see if you’re eligible.
Anyways, do you think this partnership is going to last? And did you invested back when the scandal happened? How much did you lose if so? | r/pennystocks | post | r/pennystocks | 2025-01-28 | Z0FBQUFBQm5teE5QT1JIUkx4ZDM5LW9MYXl5NWVRaGZSRmRvVW50Z21RcUtEbGRvZE1wWjU5Yk5nSndpeVdVR0ZFZlh5VHZKNmhFU1Q1UE1DcHlwMDBYRmpwOUx1dnR5NXlvU3ZSa1BOMy0wTjl4eU5VYjZfRHM9 | Z0FBQUFBQm5teE5RU1VhTElUQVF6azgwSUdBTUQ4OF9LTWRPUWtDa2JjT2FSTE50Rm1uZlFBbFhfYlNEXzNYeXh4RW9XY2c4NjY4azdKWGZ2M2VQbC0tNUVnU3h4TW5Zc3lzUC1WQXJjZUY2ODlFajl3UWZEcGZxWEU5TVUwSmRMdHM4WEN2cUFGR3ExZFk3anlEMkQ4OXZMbHdVeXYwYnZUa2ZLaTd4MGo5a1Z3bGxtZHQxdHp3eVNRRi05RHRCeWdXVGpYYmdXN0tXNkY1cElkZUFIdm95RHNzWW90LWp1Zz09 |
Spinning rust hard drivers are suitable for storing archival data, but not fast enough to keep track of active bitcoins that have yet to be spent, a much smaller database. However, with clever node software this critical data is much smaller and economical to store in solid state memory, or even faster RAM memory.
But none of this really matters for most users, who do not need to run a node, just client software such as Electron Cash that keeps a local copy of the owners addresses, but communicates with server nodes which store and process the entire block chain.
There are two other issues that are also bypassed by users who don’t run a node, processing speed and network bandwidth. For users who want to run a node today, these are not a problem and are easily handled by a Raspberry Pi or mini PC on a broadband internet connection capable of streaming HD videos. | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QX3A0anU2UVVqZmdxUEdXak1fODZ3T0dtQkJ3VTF5ODdmVDJqam9XTkM4azFGS1drb2N2ZGxQRlFaZXdHTE9ZdER6NXlJSDh1Zjh4a1NHQlNYMG94TXc9PQ== | Z0FBQUFBQm5teE5RNnFnNzYtdmlLZ0YxWFdmSmVYMlNYTW5iS2VzdEVHR0paVTdVVlY1Vno5Qk9kdzVnS21yV3pOZW1PbGhfVG9yMUVuMzVfcnE2TGk1V0ZGcW9MX3FkZ25HSkQ3ZDllWU9JdmZIUS1UbDdjMU9zVlhUd3BFUW1FVW5HM3pSenhGN0tYaUpxdHNLZjdJdGxTcTNrWGhfSmoyN3U4WGJZZEg3N3QxTnZYLUJ3dkRDU3JBeHdtaEl5bThGdjFaYUJMaFhjR2taWUpoMlliTE1xNnMxX19CSTAyZz09 |
I went through security at Shanghai airport, and for some reason they picked up my bag for additional search. The item in question? My Ledger.
The staff member took it out of my bag without asking and walked away with it. She took it towards the people checking the XRay and then it went out of my sight briefly.
She then brought it back to me. All within less than 30 seconds.
Question is - should I be worried? | r/bitcoin | post | r/Bitcoin | 2025-01-28 | Z0FBQUFBQm5teE5QVEtuS3MtbXpPeDFNMmZrSzZ0LWo0QldvSi1aWUhhLWRVaW9WbW1lTmdIMmlnbmNsbEduX1JlSGhWVzMzUUJqUlhURW9leW04bmFrdVRYYXM1TTNkWWc9PQ== | Z0FBQUFBQm5teE5RR1NqMHV2ZTQ4MHVYY2wybTNJZTJNYWc0OWVYVTZhYTZWaWNrVnhuRTJfYjI2R3Z1MXBNa3k4am5maWlEYnFIS1N0Qm1Qc3dGSWFHMWt0VmJTdVRmUWYzMVFxY1dKLUMwbHV6a1JJcWh5V2hXLTRvMXlCZl9DeXBMSnIzcU53Y25YN3BnbHYzcFA0eHgyeFFHODI5ZUo4cWpJcnprbUl0MG5VV3JqbUxYeDRVPQ== |
Contract was signed on 1/18 at 1:00 pm. They had 4 I spections done on Friday and appraisal scheduled for today. I listed house by owner and haven’t heard anything from their realtor yet. I assumed today 1/28 at 1:00 was the deadline for them to get back to me with what they want repaired. Is it tomorrow? And Is it a good sign they had the appraisal done already? I’m very worried about what the septic and well inspection might say, haven’t had any problems that we know of but we only rehabbed this house and never lived in it.
Within ________________ days (10 days if none stated) after the “Acceptance Deadline” date (the “Inspection Period”), Buyer
may purchase one or more written home inspection report(s) from any independent qualified inspector(s) of the property and
improvements as deemed necessary by Buyer…..
Buyer’s Inspection Period will end upon the delivery of the Inspection Notice described below or the time period stated above,
whichever occurs first. Failure by Buyer to purchase and perform an inspection within the time period stated above shall constitute
a waiver and acceptance of any conditions an inspection would have disclosed. Buyer should contact law enforcement officials
for information pertaining to whether registered sex offenders or other convicted criminals reside in the area.
Within the Inspection Period, Buyer shall furnish a written Inspection Notice to Seller or Listing Broker stating one of the following… | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QOXcxRUZLQXBYVWVHd3F6U09HRVRObzBqY2gwUkJiMGZUbFdlNXV0OTRySVBBS3B3dFlyd3RSV1V2cTdqQkNGVUNpSWVYeFM0ejJ0c1ZZeS1aWlpsMG5vU1pyc0hTT2xjRXdrSGZjNVlSRTQ9 | Z0FBQUFBQm5teE5RY1BGeXhvZnZuc0lYWDFsR2IxRjRQMEFSWHM3aGFaRlBTc3E1amN6OUFUWWhGLXhuZGMtRDh3V1lGWGNBdFhEX1M0V3FfaUtnOGtrZXBDMkl1ejkxUDRrazZWRmRWNVAtSUZMUndFQ2NrZXU1RjF1S1lucFFPOUktVUVHbzR1N1lWTUtRMTh5YlJ4S0VqVjRQLTBJYUc5WEdTV3d1MjhJbU51X1F2MlBQMlpHbGhjZnliRzZXQUZIRlNWVHltWF9VTkJxbWNNb2hURURyWUtpZmYwUF9JZz09 |
I don’t get your reference, historically I haven’t really been an avid user of Reddit | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QT3QwS2EySTA4N0NzN2lqWnNCMWFmcFJ6ZGdOWXpQbUFTYURiZERPdHE1Wl90eWxhQmR3SmVSWUJfNjNISzVZbHRVQy1JQ1dIYTlKWE9PTEg5UTI0aVE9PQ== | Z0FBQUFBQm5teE5RSl8xR001STUtRmVUVkNDRHF1ODV1Q3NnVksyYWFCRmxmS3lHV0Z6YTNLbjJhdjE4V1gtQ24ySko4OUg4SDg4b255QXlYRmwzbjc2Q1JnY0tWejBWbGlwN1ZLbE90X2NkdHpFYjBXdDh6VGY4ZFV3VDBwQkZnOWJobGFxdlpPU1Y4ckFLcmRZSG9RblJrZ0NmN21rMFZUOWZfUDBUNWJqYkdxMHlSWHdLZ3NldHdkTjZWQlluMTJaTHJQdTRxREpacU02cUptQk16UUpkVFBhUE5hb0lkUT09 |
Properly saluted. | r/monero | comment | r/Monero | 2025-01-28 | Z0FBQUFBQm5teE5QbGVrUlNIWUo4VVJTWnVjXzRCSmpadDAyN2lxa2phTXhnN3p3Z1NpNFNOR1dST09tWVYwcFNzN0FwVDRacG5MRDlRaF9YaW4zTUJSSDdhZTAyazBVU2c9PQ== | Z0FBQUFBQm5teE5RQ1J0N2RFUnRIaGFNRTl2X1FEZUdOeXo4cEE1SWZzTjdCWWY1UFFoa1g5dG5KVFk3c3QxaEtCQzlqZUZzNzRTZkNFc1ByWGdtNHctdE5xcUNnSjIxNThpOGhFb3RFX3JESE81cE92bkYzSjd1QmlLMHpTNHZqQ0hYQUgtNUd2S0doSVZ6TmlSeWcxeU1IRWJ3SzJQZGxVZVJybXZBVnFuT3UtbmJyTTFJV3k3NW5YeEN3RkFIRXJwTmxBcjNBd1lqVkNuN3NiRlVGNGltLUk2LUlGSlBPQT09 |
OMG… what have I started? | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QU2dsMkN5VG5nUUwtYUhtMXowX0phQUhxcDdvc1IzdVdOU2V2U2NMc05LWERFTjFfN3MxSzRLblJyX2pWQWF2SUxlQXVXc1o3ZUlUQURhbWZnWHVob3c9PQ== | Z0FBQUFBQm5teE5Rb3ZKR2pIaGs2MzhfMmg5aTQzd1lKNFpQNVk0V2M3cVpNNnlKSVJvT3psV1hXdmxFbjZWMHQ2LU43bTZ4djRmWEo2bE14S2s4TFdQOU1qbVVKZWt3YXkzZlVuRUFTcW81NlNHcGhYMkN2UVM5QWQwT2JrY3FuMUNoZFRmY1pqVmh2dnV5NmVJRnZlcmU4T2szWU02N2xoZHA2emprTGE0eHh1VXhpUG5yeHNITW5ZdEFqZDREeGd2TW9tdjVZLWR3VDBKUTJWSkdRQUtKMXE1eXk4V0FCUT09 |
Chainlink is one of the GOATs in the space. If there weren’t millions of shitcoins in existence, it would get the value it deserves which is way more than what it is now. | r/chainlink | comment | r/Chainlink | 2025-01-28 | Z0FBQUFBQm5teE5QUTBrVVEwVWs3VnRsTXpMM0I5aW93UHBlYkdXbUNYbnBjbG4tUnpSRGd6WmtnWEllejJ6ekFGZkRRX2lzZFJOVW1wMnNPaEtNZlliWkI2WlhoZmk1LWc9PQ== | Z0FBQUFBQm5teE5RZW9Ka2ZwSXBLR3gyMW1kMFdLYVAtOGJJbUVPLXhQWF9Yd0VpZTBKbXRYTUxlZUYzWURYN0JNTFkyNjY2VEhDNTlpdFpIRFhVekZ4YmVJWXdFa0dvREZOU1Z0OWR0dDlvZEdZMVU5NnFZQmFIM2V5bkZsNjF2X21ueHBQVXExMXdadVBLVHRFMFhVTFRsMzFZNzJpWEVjZzUxdGNiaDFVbF8zb2RMYmRiblNKM0lieEdhY1B3LUptSXBIVUVBcUFwTEJOOENfcFgyeUhwRW9JNUxfbFNSUT09 |
Should I put all of those savings and pay off that chunk of my loans? I'm going back and forth on if I should just pull the trigger. I acquired 30K in savings during Covid and it feels like free money. Would it make sense to just throw it all at my loans? | r/financialplanning | post | r/FinancialPlanning | 2025-01-28 | Z0FBQUFBQm5teE5QLXFiaV8xSnBwVWtfM2dvQmhOTERfMWNIdmY1NjdNZzZ0ekV5dm4zVmxJSnA5TTZKNjJSUlZuZVE5ZExKWl9VU2FBVkhpZ1dCbHhFWjhkTm9KVV9KRUE9PQ== | Z0FBQUFBQm5teE5RaUVoeXlncTVNaFJmUktCbnI2WlRTaEwwVXZzTWFtOUtCTXhZYjg5QlhNUXFrckI3VW9aRlBkc3JXalN0ZkQtMUVYVUxqY3ZYX2pOWHBHRDdUT3VnX1ZnMUg1MDBCdXU3V3M0SG15UDNwYlYtNk5UcjR3c2VXTnBvMkZtYTg1NzRNaHJFREVmNUs0OEhnYVdPaElyUkFkd2I2bDUyX0xudnV1enU2QXgxWm9MeU5lVjdxMWRyc2JJSTN0UllhZVZZdnY3MWdScldoMHR6Z0JnbzYweFM3Zz09 |
My partners and I jointly own four beachfront properties and four mountain properties (located in Georgia). Currently, the deeds and mortgages are in our personal names, but we’re concerned about the risks associated with this structure. We’re exploring ways to move these properties into LLCs for better liability protection and management. I have a few specific questions and would love guidance:
1. **Optimal Ownership Structure:**
* What is the safest and most effective way to structure this?
* Is creating individual LLCs for each property and having a holding LLC own those individual LLCs a common or recommended approach?
2. **Costs and Process:**
* What costs should we anticipate (e.g., legal, filing, transfer taxes, etc.)?
* Are there state-specific considerations for Georgia that we should be aware of?
3. **Mortgages and Liability Risks:**
* If we transfer the property deeds to LLCs but leave the mortgages in our personal names, will we still face significant liability risks?
* Could this transfer trigger the “due-on-sale” clause in our mortgage agreements, and how do lenders typically respond to this?
4. **Real Estate and Tax Implications:**
* Will transferring ownership to LLCs have any tax consequences (e.g., capital gains, transfer taxes)?
* How do we ensure that insurance coverage aligns with the new LLC structure and doesn’t leave any gaps?
I’d appreciate any advice from those who’ve been through a similar process or are familiar with the legal and financial aspects of this type of restructuring. Also, if you have recommendations for professionals (real estate attorneys, tax advisors, etc.) or resources to consult, that would be incredibly helpful!
Thanks in advance for your insights! | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QeUdoYmg0cWtmU215NnowZkZ1QzVURF9pSm0zSC01N09KNzJnSVRsc3doYzNtZEpQdGc0NDBwNGJKb253ZWFocVNDZmNoR3dCUFVHUmRWQ3dYVUZHc05kTElqbExUTlpTcFQ3Qmxya1VndFE9 | Z0FBQUFBQm5teE5RY3EwZVdvNkwxVXlQU3JiNGtHMmhIRHJCV1hIZFFsRGxxZEZCNmxHc2w2U1BMakFWa1FJZG9YdTQzTjhnZHhTYnRhX1FkWldnUkkzeVNYLUF4MFZma21DV1c3UDNoRXRJUk5fZm9saUlmeGw3RlZSRUlob0trMGdBaG9fZzZISkg5V25tbGo4NWl4ck15d1VnU2lKWW5rRllGbF9leERFLUpKcjFZeVBYZG9uOVdDS0h1cVVUWGxRVVVNUmc3N3lheFNibkF1OXVxMXNZdnZGU1VSTnczdz09 |
The simple, long term strategy of providing security has already been implemented by Monero. If it were necessary for bitcoin this could also be done. A small, fixed inflation rate on a published schedule for the benefit of the network operators is not equivalent to the present system of fiat money where central bankers create money out of thin air and get paid interest from others, ultimately taxpayers.
This is an economic, financial and political issue and has nothing to do with the block size issue. | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QRmxqUW9DdHhBY0NFLXQzblBpSGUtVXkxaDdZTnlUdnVfUXZUVURmZHJQNmpaQzA2UG9uZFlyd2Nlc2daLXFRTzk4Rk93V2RfejZyZWhZdG9pTHc3TGc9PQ== | Z0FBQUFBQm5teE5RX3k2Z3JTelNDdmlXS3I0MExoczJQNEQ1d2ZFRFJXT3Nwd3M5RlFWLTFTd1ZNR290UWxHUEd4X2c5di05bkxSRmszY3dpbDAxdHJLdlB1QnZWaEJSaUR0X1FNdk1EUlZLUjN1OGRNclNNQVowOERlbG5Nbk1JaXJ5YTI2cElWRkljYjhqam9FX0dVWkdINnJFOGJCX01ENEhuV0J5UnhVeWNMaDd5Vndndmx1clJEQTlNOGZqV3Y3djJjRjF1em5hZm1CeGNqTzBVNG1JLUpZSkh0dkZiZz09 |
A study by academics from the US, UK, and France indicates that the growth of exchange-traded funds has enhanced stock market efficiency, particularly during volatile periods. The research, published in the Journal of Portfolio Management, contradicts previous claims that passive investing distorts price signals | r/stockmarket | post | r/StockMarket | 2025-01-28 | Z0FBQUFBQm5teE5QeWVVOWh4Q21wYVJlSUlFVC1WQ0dmWG92bDFnQzhlVVRpdDNhYTRLLVA5aTFpZDVEQi05cFNjOG1iNEpYSHI3YUxoMmMtb1RZOTJ2X2xzRGE5U0duT3VNOFhKZkloRFRQLXZ4NWtIYnExX3M9 | Z0FBQUFBQm5teE5RQXNsd1ZiWGwtVXBJNUhMSE5NSjhJUjktMWlzb0VkNVVjVWRwamJKeGhpbERmQnNKbGRlc2g5YTlET3ZxZERtWDZCSjlKc3FaYndJSlljMmNPOVJGXzl5eDNrc1F3RGp2UVB1Rm9ETGttRDJOa1Ayb1RrZ3ppY1dTQUh3Q0lPeS1ZZnFXRnVFbjVTT3V1NnBDZEhvYkV0NzQwVlBPLXp1TEV3bnJkMzdFYlhTUjRUMlpRUkZBQ2FuVnZHeTY4WXhWT0FQN3c2QXhPcXVqelJ4VXJ3Ry1pQT09 |
TOMORROW BETTER BE ROCKETING. I WANNA GO TO JAPAN. I NEVER BEEN THERE | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QV0VyTzJDVmRNbEJGYnp3ZjhHWnlqZE5jdnJfR1AtS2hJV0lINGRoYUxzaXpFTGtndzRFc0ZqS3NkcmV0XzFJMDBNWGtQV05TU1dGV0lqQjhfbWs3SWc9PQ== | Z0FBQUFBQm5teE5RSEt6MGZzTUlTZnM1Y082SUYyVWVtb3lpN3FrRGd4QjhUbU9hU3pVa3NON3BLMWRRbVc0dzg2empPem1RcWpoQlFFQ0tocGlEZTN1TjZPVjVQX2hmamJ4azdOaDRiMVdxQ0U1VDQxNmUxdWZWV09fcXJoLTI1RG9obno0MWUtT1FpY1hBME83NVpIMnl6d0dJWE01U1FRTmRpX2wwMGRSNG0zbmY2VnpibUlBUnZPM3otRnJtT2ZSZk1wajBPQURN |
$258k = [ acc1 $234k ] + [ acc2 $24k ]
Yup. All from selling Cash Secure Put 😁 on TESLA, MSTR, Nvidia
Pretty boring🥱, nothing special or crazy CALL YOLO😨, just nice & steady.⏰️
I'll update again next month, February 📆
My goal for 2025 is $500k 💵💰💲🙏 | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QcTM4bW9CRDRLbGdZZ3gwS3FSWlRoTU1WMkt4RVVHSUEydy14bE5Ya19xWEdQNWM4d2ZrdnVhRmNqZ2VBZ2xBYmw0a3VMa3JWU1Blek5KbDQ3c1BUbXc9PQ== | Z0FBQUFBQm5teE5RekZ4cjFjZEtleU1kVVR6MzNURzJSZEJiY3hHN3RfU0RZZFRoM2gxRTVvSlk3R3o3dGp3YVl6NXV2LTV2MWlfdUJVSU54TmhId09URlEzZW16eXl4V3lCc2NjdnlnTFpncGNKSkNqdkpkcWxVUGs5Vlk2NmFlTENIdGxUU3ZFanBGYVNYOFFCQzI2WHRMaGM4RHJrRWdlZ0tZQ1REcDFJMWktMWc3NGE3UHZJQnRVQTY0UnlreVpEV1B1REhQVGRUamdrbnhfT2pOTmxEdEY2R2IwQVE0UT09 |
What’s the difference between eth and etc. Isn’t etc a dead abandoned or antiquated protocol? Is it worth buying still. I have some stored in cold storage should I add? | r/ethereumclassic | post | r/EthereumClassic | 2025-01-28 | Z0FBQUFBQm5teE5QN0l3TmdHVlBXeTUwVmc5Q3JLbVlNZ1c2UXdBeTBFU3dyRHI3R0o4czlNb0RJRjBfcGlqOW5VTXhJWjJVWlNMMXRnMVlOdjl6VjVWSUljOF8zUWxWYVFKWWN5aHNDV3BTbEdlRU1OV3FkaXc9 | Z0FBQUFBQm5teE5RZkJiODRwSmo3ZGxqMzJRRXp6THBSN28yWTN1NURHVmFMYndkOWdfWGNFdHV2ay1Za2ZvOUFOWlV3ejBCcWtUdlZGbWRKLXAzRmNfQkhpYnQ0ZWFvSEVnSGY5M1F3R3A2UUpDRU9TOVhXbHExN2NsOC1UdEhfVFdDYmM3SFlyN1JiUktiWGJQZ1JLekExOGswUDA2QkI4YmNUNjdnTy1IR1NCNUdRX0JyVHV3PQ== |
I would be extremely interested in hearing your perspective on this stuff | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QS2xJa3FFU1NxNExUTDRJR2ZTSVk3RzJsemNmVWFUNEdIdU9KNzZibU51cmZWdmxndDhvd2ZpSXEtWExqWGoyVUg2RkZNaVl4MFUyNlZXa05wWm5mVXc9PQ== | Z0FBQUFBQm5teE5ROVdZOGtkcndBSHZnN1ZiVUxnalN0RnM5SXNxb3hQU0UxVVdFeWJGU2lpQmEtbnJtWnl0aGEzQWdEUEkxUEdnWEdxTHRVMU5EbE9jWFl5aFF6ZEUxT3JKRGJDUzctR2o2Wl9idThjcFJYZHBJYkw2c2szVFlhbVJJZnNGaFFNSTJRbnU5S2ZFUVJmYzN2T0h1ZzdmQ3ZOeE9kc0JCdUx6V3FySlRpdE9ZUjhlNUhDUzFFOFhxMV94VnJCM05QcnZQUmpzUWJKa0Y4X3hISjZTMURjMGVNQT09 |
Seeing a lot of "just starting out" posts, maybe this will help. First step is the Rule of 72 (google to see how the math works). The Rule of 72 is used to estimate, among other things, how long it will take an investment to double. You divide 72 by the estimated interest percentage per period (year) in this case.
The average return of the S&P 500 over the last 100 years is 10.579%. Sometimes it is higher (such as last two year), sometimes lower, but this is the mean. How quick will your money double at this rate? \[ 72 / 10.579 \] = 6.8 years. And largely this \~7 year doubling has held up. ETFs like SPY, VOO, and etc track the S&P500, so investors who have been in these funds have seen such results. I have some old 401Ks (no longer contributed to) that have VOO style investments, and can affirm anecdotally that the 6.8 year doubling has held up. It is essential that you not rely the returns of a vehicle for which 10-20 years of data are not available. The 10.579% of the SP500 is over 100 years - through booming markets and devastating crashes.
Over a long period of time, the amount of funds and fund managers who have beaten the S&P 500 are very, very few. The smartest investor alive, Warren Buffett, has at best equaled the S&P 500 over the last 20 years. He is considered the most successful investor of all time, for very good reason. There is nobody on Reddit, alive or dead, who knows even as much as Warren has forgotten.
Where does this leave you? If you are new to investing and have a reasonably long timeframe before you retire, you can equal the stock performance of the world's greatest investor by staying in a fund that tracks the S&P 500. Invest in it, DRIP into it, don't let off the gas regardless of whether the market is a raging bull or in the toilet (buying while in the toilet is half of what assures these 100 years of results). Everyone wants to feel "active" in their investing pursuit. As if we are standing on the floor of the NYSE flashing hand signs. Active will make you poor or leave you less wealthy than you could have been - you have to accept that wealth accumulation is very easy if you don't overthink it. Set it and forget it - and go find a different hobby than fiddling with investments.
As you get closer to retirement, there are different considerations. Wealth preservation becomes more important than wealth growth. Diversifying into income generating investments can make a lot of sense. There are many ways to skin this cat when you actually have some wealth to preserve and live off of.
As an aside, the Rule of 72 can also be used for inflation. Divide 72 by the inflation rate to get the number of years the value of your cash will be cut in half. When we had 2% inflation, it took 36 years for your cash to lose half its purchasing power. Inflation peaked at 9.1% in the last several years - at that rate, your cash would half it's purchasing power in just 7.9 years.
Hope this helps and good luck on your investing journey! | r/dividends | post | r/dividends | 2025-01-28 | Z0FBQUFBQm5teE5QQTRmQVlqYlBON29WOGZDNjViT21vWExHUWNxOTFXa3R6bDZLdDFfdEktNEhWblNQdlF1RzdCSmlDYUs2ME9hTG9GOFhDc25SVm9zZjFfZnYyOXp4aEE9PQ== | Z0FBQUFBQm5teE5RSlhDN29vbWxRY3pfdlk5eXkzUU1HakNTV0xyYUZKT0RreDQwYzl4d3h1NFliamItTVVFcGhwVWlVMHJSSl9oZzlKYmZCNFMwS3RaUHpIdnExamxVcEVYTVo4NHV1UVdHVkRhMFV3Q3pvOE0xeV9Kc0pxaHBkamJ1ODdla3NDbnBHQkFqbFI2amk1WXkxdVh5Z2dPTGthQ0EybVRnRjAyeUozTUdna0lFbWdYT05JLXZ5TTloUkFBa3hCZ2VoY29J |
You’ve got just 24 hours, and whatever you make in that time is all you get from crypto for the rest of your life. No more chances, no more trades. This is it.
The clock is ticking, and every decision counts.
Will you fold or go all in, betting big on a high-risk trade, hoping to strike it rich in the short window? You might make just enough to live comfortably, you might make more than that, or you could lose it all.
And if you're going all in, what will you put your money on?
To make huge money, you’ll need to find something that just dropped, something that will grow within hours, but how will you spot it? You don’t have much time to analyze, and even less than 24 hours to get your money out | r/cryptocurrency | post | r/CryptoCurrency | 2025-01-28 | Z0FBQUFBQm5teE5QLUt5S0ttUUF1V0tCNzZna3ZZSFJOM2NVTzdBYUdXOUlCWFRMVUFaWDlyMEowWERCRFQ0S2M5S25hTTR3b3ZkUlBkY08wcFd3ZjRKdlp5TkdEdHRxSEhjWEpMTnlpdldJR2pDb0xSQzFIRnM9 | Z0FBQUFBQm5teE5RUEJwd1h3aGNYaC14Njc4UGdSX200ZldMX29KeTBTeXBhMThCMnJzbzJWN3JULWdvREoyc1dxaW1lSlhmYWFsZXZDdjB0OW9QM0ZOOGNfeGN4a3I2Qkp6b3JxS0U5TzcyTHphTjNsVnBWYU5LTFN1dlRBQ3I1NFg0WkoxOWl0STRpNGJPQ0s5U1B5c0RaRXBjbk5jYUF4dTV1MnMzdEREUGRZd0pOc3VIMWV4c1JFWnZaUDY3cVI1cDU4M2h0OVlFdTY5V0NIdmlJRWlXVjBpZzRPZEd2UT09 |
No. They mean it in 2040 US Dollars. | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QVkY2N005QVhZWFl0NF80dTFTUkM3a012Snp3OTZ1aEJmaWR6Ujkzc1FWY0o5SEdZYkR0TlNPMTdpZl9hRTJKN1hFRzRoZmd4RS1odGFJUmJiQlctenc9PQ== | Z0FBQUFBQm5teE5RNDRDY215aHhVVEhMbk1PaHhSbDdHYUJXTmhwWGY2S3pyS3k3VDk1cjFSN2V1dDd1V19CUEdQNFRJU04wd0ZjWGNtZjFxNlZtNW9DalV5V2Y1Ung5UE9NZnRXV0dOWEFnSVFzcVVYdlc1YUZaSGlzbkJZZGFLMVhscmZ5OXRXeGI3ZjJhSU02ZmRtSVk2OXdEenRLaUFRUWYzcURXeEZUSGQ4YzAwNkpIWTZOQ2pwdk9NejYzWVpLVzIzTi04Vi1kNUYwaHIxODMyY01ENWRudmgwVVZQUT09 |
What if they are locked and voting for validators ? Are there anything we would have to do ? | r/celo | comment | r/celo | 2025-01-28 | Z0FBQUFBQm5teE5QOXJ0RmlYb0t4WFZXUkhWamEtdVBITy1tN2V5UFBYeElZd3FsVWl2VWVxQXplUGdCN3VwUXBJM1IxU256cmtDN2tCZGRKU2dQdld2SUtHTTMzYUlDVUE9PQ== | Z0FBQUFBQm5teE5RS0huY2Yzbk84WjNFYmxUbERCNldibnB4bmpGVEw2SGptaDlKYkxTQWFwSUJKYXEzTlBCejNkbGdRWkJyX042X0NlZnZxc0FtMkY3QjM2bHNFSFprSXBCSlV3NmlPQ0tvdTZHMHpHOVJJdGdDUjdrTkNKa0ZoT1pXLXJCbjVsSTRlQ2hXSFJheWRwdjBxMWZZUFpYSWZnLWxPX2ZyMTNUUkFLZTI2T1NJbmt3PQ== |
From my understanding, it doesn't affect assistance provided directly to individuals, but I'm just looking for more clarity. | r/povertyfinance | post | r/povertyfinance | 2025-01-28 | Z0FBQUFBQm5teE5QVFlTWWlmUTVaMzdrMVpzQ0VYSHlSS2VHZ1NBUF9WWENfN0ZMSWpKUllDT1ZxYjZxbHZiT3kzSHJLOTlSb0EyZ0xqbW5MaGdtZjNBdXo4ME5Qd1p3Rnc9PQ== | Z0FBQUFBQm5teE5RdGRMSU1mWWZWQXlodXNFZFd2OG5FQk1ISmNSYWZzbXBsS1pUOU5jRlhEbHQ2cHpoRzE1eld6MzhzNG9INUVwVWdhZzNOTzJQSmVmVkg4SXBUVHhiR1pCeldEZnlzU01jRUVURWtoenNGVjlBYVpnN19PZFMyaDdxRzVabU1yVWEwNnJVZGJUZmRZdTNHQWJlcnhpWTlvWG1obE5SUlZBaDhlUFJoa3Zrd1NEallwWEJKWF9CLUk5RXNENVJVYzc1RUx2a2FsNHoxcWZFOV93TEF4WGY3Zz09 |
As owner of a mid size business, we need office supplies, break room supplies, beverages for guests, etc. It's impossible to get bulk office supplies, paper goods, etc. from locally owned businesses. Costco, Sams, Amazon, any others ? These are supplies we need to run our biz. But I loathe supporting these corporations. I'm willing to pay a bit more to be more ethical. Thank you for ideas. | r/business | post | r/business | 2025-01-28 | Z0FBQUFBQm5teE5QSUxnTnlEOHpGc3YydE1jMXlVQXBMZVFwQ29pNjlHNUpCNUxHZkhzWjdfZnFxZXY4Mk44MXdhRVZPNWFvMzQ3NllJM1hIcXhtZnlxajl4dTl6c285M3c9PQ== | Z0FBQUFBQm5teE5RU2MwZTlTZnlzdkx6N1Z3SG5HYXJDUzlkTEs4RUUtMk1wUkk4OVpJS0lSM1B4UG9hTnJVUnZmNzBfVW4tR2RRdzVoV0s3V3VLeEtKbkl5eFBHSmtJTUk5YlZ6TldxR2tiMXdqS2U5LXM4NGNPbVlSR21zZEstSFE0UWU0SWVzQWhndFdZc3k0ZVdOR1RGX3ZPQVY0N041bDZHd1Utb3JRd1NpRTJlQ1VzRXFWYTFQMWxIVDNaRFE1enpJVlRkaG1r |
once he says good afternoon buy the dip guys dont be scared | r/litecoin | post | r/litecoin | 2025-01-28 | Z0FBQUFBQm5teE5QY0hLek1zSnNRVWpsWTBxUE05b2I4ZWlPYjJMUHdSeG5yci0zdlZOWUFxeGNOX2YxS1EyYXBlQklTM1ZqNUtseUhwbnREbWFMTHJIekhjcGJ5MUp1WUE9PQ== | Z0FBQUFBQm5teE5RWXBCS3hkWVZRWTlqeXpSeEtvR1M0SXNZYWZ6OGZjMnpQUzUxTkdRNmhFQWVqSll5RlVBMFNUeU5mNFJXdU44VVhQZE5sNzJ5ajRkXzVfc25HV3Rnc3lzOGhoVnNvQW5NbElra1FTYmdkVVVNR01rTFg2NDUteWxfejhUeTFJbXJfRVVIMWlTbVRWLUpkdmJRZWU2OUlEb0VtUUtFczlpbU1POFNmTHBOd1hZPQ== |
I have a stupid question. I lived in Europe for many years and achieved certain level of success in real estate development. Now I am in US, looking to perhaps start something here. I follow a few 'gurus' on Instagram, all of which obviously also sell courses on the side. I found a few that seem truly successful and appear to know what they are doing. The one that I follow mostly is located in rural areas of Ohio. He does the standard routine, buys old, decrepit cheap homes, renovates them and flips them. Most purchases are below $200K. He claims to own 70+ properties, construction firm, office full of staff, cars, etc. Based on what I can tell, he is authentic and honest. So clearly this has to be a wealthy individual. Yet every time they show a project, he explains the numbers and shows hard money loan costs every time.
This is really baffling for me. I mean obviously hard money has a significant costs to it. This is an experienced developer, he must have money set aside, certainly $100-$200K is liquidly available to him. I am not understanding fully, why is in US, even the really seemingly wealthy investors, small and large, use hard loans to finance their deals? I mean logic would dictate that you can use your own funds and save on all those costs? What am I missing here? Is it some type of legal protection or tax reduction tactic or what is behind this? | r/realestateinvesting | post | r/realestateinvesting | 2025-01-28 | Z0FBQUFBQm5teE5QcEdNblRfU2paU09sUmRocUVhcjZ0R05qMDlGQTF5bFJ6ZE1kMFpqaEsyczNxSGRZOFhSejRsMjYybWsta2RJNkJ2RjRERWF2LVJoSUd0RnZsZ0d2OUZjd3JrVGhDLTkxRVNobjZieERhb2c9 | Z0FBQUFBQm5teE5RMEk1Y2MzY1ptdGpDd2VtU25fbUZ5SGZKdE1HbGVNU3VlcjZyYWoxSUxLaHJHbDZMT29oTmVDYzM3Y0VKenh4cHRZY3l3Rmh5TG5Va1dVYnBaZm9UX19FelBjV1Y2ZTFENkNFMVZJUnI5Zkt5UTREakd1SW1LUVFJMUpDMHY2YnNVenl0Z0xUYmpBRldoYXA5X2VLMm8wbnB2RW9kRy11YjJlSHI1eDFKeGh4ZjZhQWJNWHJHY0VySW92UWdzV1JrUVI2WlozTnRXNFVnQnVXeHIxaDdMZz09 |
Bullish!!! 🚀 | r/altcoin | comment | r/altcoin | 2025-01-28 | Z0FBQUFBQm5teE5QNHVMUEtLVnF0QThHUHRvODYwSWx0aG84UXpwRmJXcGwyNmNueENEdFVxSDFyakJ2QXJPbS1UQjJ5ZU4zTmU2Zkd2WlpHamtEaVhiY2lhWDI3RXQwRlBsUzBHbnFESlBpY3Rta3ZwODJzbzA9 | Z0FBQUFBQm5teE5RVzdqTEtidzNwVkdDcW5fTkRxOWthbjl6aEdsWXFSLTdDQk1jLUxXY3E1dXdGM0lta0J3SUpaVTI4MkZXeFZZc3FrR0lsWlh4WUVHdFE4ejVMdjFod1ZnbFAzcWpPcDNVb2pKaXJPaU5KVUNuZWNpbWtSWDRUY2N4Z3paZm1ISklKYk9UVlNEaVZDWG5nZGplVzV1OXkweHE0SnotM0Q2WkFJbFR0ajRlZ1BHTk9uQ0lCLVpZZXRmXzBjaUhEM2lvX0JJS293MHlER2VVOFFxMGZLVWkwZz09 |
Hey everyone,
I’m in the process of buying a home, and I came across one that has solar panels. The catch is, the panels are leased rather than owned. I’m trying to weigh the pros and cons of this, but I’m not entirely sure how it impacts things like home value, my monthly bills, and if there are any long-term considerations I should be aware of. It looks like the monthly payments goes up every year, and they send me their last two utilities bills. One of them was -$11 and the other was +$8. Currently I’d pay $91/month (3rd year) and goes up to $171/month on the 25th year.
Additionally, I’m wondering how leased solar panels affect homeowners insurance. Do I need to adjust my policy for the panels? Are there any complications or extra costs involved with insurance when the panels are leased?
Has anyone here had experience with buying a home that has leased solar panels? How did it affect your decision to buy? Do you think it’s something I should avoid or just negotiate into the price?
Looking for any insight, especially from people who’ve dealt with this scenario. Thanks! | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QZXdqcDJDMmdIOUJfRUs5Rk95UUM2WURLNzAtdzVXNXdBb2tEaktNcFpteEhHa1E3WEJJeElGMkdPakVxeDNTWEo2Q0JLYjFzSDJvT2h5NDBzdDd4Rmc9PQ== | Z0FBQUFBQm5teE5RQnhQVU1YVElVTlVTNTZaeDQyWV9KZEhIa3piS0ZDWnVDR1F4b0FrSGZMNm1yYnZkd1BIRnVuLUw5Q3VnbFNSU0ZLVHV4dUVuSnlEN1JBLWNSSFp6YTJ5MDgwTzB3Sm1LZkdQdndiY2lkak5OR05vTHpHZkdZNHVyR2Q4OUVmY2VCY0tVdDJIeW94YUluUlRfRV9pY3REWFV1MV9qNjVnRUtnczZlN1M0Rk5lTXRCVXR2eWpTZHJJby1rb2xCcWt4bDBKMTB1cXlmTXpKTlNRT3A1dmNJdz09 |
Free Roger Ver !! | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QRnZmaVBhMXBJMDVEOTJxOHV1OUhOcVNYRklodGZkSzNtNDZwM1BmbEFzZm9TZGpJaFR3Z0hndjFKT2Z5dTBjUVZsaldMZHZBTnotckFTLVNuOUJlU0E9PQ== | Z0FBQUFBQm5teE5RUFFnOUkwXzhnbWJRcDNQUUF2VnVXT0tCeGF6M3p1Mm1HZFk3Mll6LS0yekZuMnNoOVZSblRLRXc0RURyUzNTYmE3aFlkUWhYSF9oUG12N3JyWVFnYm43U0tVZmlBMVhrSXlVdFdjVzRrUFFFYkFPckx2b3BYcFc2TnBOTmJ2MVUwRkgyZFRxbkZZLWFkbDU2TzVYeVlKbHdkWXBDOTMxU2xLZk9rS3hwUGRtUm1YejctUUR6aTNVME4ybktnNDBvcHJoZTg3N1lkSVBaVzFjTlEwbTlfUT09 |
I know others got in at a lower price (fuck you). I'm going to go take another cruise. Figured it would rebound, but it just won't die. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QLWpfZDhzTEFtdnpyeWZrdzZPdXpZLUJXNGhuV1EtRzREQkktSTJybTkxOVRLR3V1QmxCZmgzanplQzJWdEpGUEVWang4bDRBUVFFOExxdDM2dm5aOWdnUTMycWFfd1pybW9iYS13SnVRSlE9 | Z0FBQUFBQm5teE5RUUdzLXF6ZTNaVG5KT2FXMkFwMVNETVhaZk9WRmI3LVFQWktsUkxSU01DRmZaeGFUcEo0VTdFVnZPa1REVGV3U0xyVDZ4aW5pOUxpQXQ0OWl5MVhSQlQ1SlBSTEU3VGhUZ2tDODdRSC1feVFCakwyMkpxOTQ2TVdVOG4wMXRHRGtsbGkwQ3FQT2E0VGN0SEM4OHN6T3hDb3B6ZHR2eTh2eXdqX1FFWkFoSHYwcFRyVGhHYTRYTWtuU2NjVmNFbzZCQV9sb2xOWGM2VTRlUEkydVZjVmE1Zz09 |
Does anyone play in the new ETF market when they first hit the stock exchange? I was checking out [ETF.com](http://ETF.com) on some that just hit the market in the last few days. Not sure if it was worth a chance buy into one when it first starts out. I am sure it is a big gamble. Anyone purchased any new ones? | r/dividends | post | r/dividends | 2025-01-28 | Z0FBQUFBQm5teE5QckQ5LWlaYkVlMWNzY0kwVUJmUkI3eWloRGRVTE84LXJOT1g1ZlF3TWpKTDZJTE45MkFVZ2t3OXdlWHpjVGdHUnhYdElMLUxDMGx2Mi1WOFVEYWFRa3c9PQ== | Z0FBQUFBQm5teE5RR05kS3RScFF0QmJkblVOQWZsZjg1eGZoSXRwNWtybndqX3lOVEJiU0ExazQ2NVA1dDl0MUtlOGJBbVZjaGpid1pPNHlFcEZRVjBJWmFNM1hiVzhlOGZ1Z2dmN05fNU9VdEh1QXVKcGRUbER2MkxUSkNsOC1XbDNLVGVDc3hYZWUxM3VWRnVIVEgtSjZMUlpwOGxPM25KYkxfeVk2aTRURklGZ2lMcWdoTWdzMkpQb1VlNVRUUXFucXVfaFpqNmdN |
What’s the time in between? Is the Bear proportional to the Bull? | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QdGUzNGV6ZERYbDk3LVlEbnZ2NFBmRFh3dExkZGQ4RDBkMjhtbWRrYUxWRGhlQXFON1pLSExyNjYyRzUtRk4tS19iZFlsallqRGR4cUtpYng5MExGcjVvMGV4aGhNWk9Pa3BSWWRRbGdTRVE9 | Z0FBQUFBQm5teE5RWFVjSTJWWS04TGxtZ0szWFRsZWdsaUVvcnJTaFBxZ3lVc2JEVkd3d29SS3F2dVRmb0FtMVc4LVRXTlNTcXJfXzZIOFVEdlhxRlR0eFFmeU40N2Y3TnVQU2FBMjZUNndEQkdmN0xwcnRxMnBDd0ZTRm9qclNlRDV2U2xDU3ZEaFotYjhDRjcwVVJVdlBoQ2tocVdSaFl1NFpoNVVPYzQyeFVRSm94SERQa1BObWMzMEpTTzY3OUtaUThRRlRoX2tDdkl5eFlia2JOMkFHblJJTzdEQUlndz09 |
There are many usecasses but OP is just speading FUD. Do some research. | r/filecoin | comment | r/filecoin | 2025-01-28 | Z0FBQUFBQm5teE5QOGJ4WWtMQ1hnaElmOWlMcEROc3l3bUZKb0lBRjh5MDV3SXIxdDNtMU5sbGozTTVndUl6ZVZiNjFEUm56V3ZZLUtuRTBYNVU3YjlzTFE2NjdhaS1nc3c9PQ== | Z0FBQUFBQm5teE5RS3d3UnJQWUllOFV1OTBpaVBiajRNd0J1dXBqZnJYaFUwbXJYVEw2dEV6ZnJBVGpvRGRXTzI4NW1UQWRSUVp2c3BwUkNRVmFaNDl2SWZNSFdoNVBkUEsyZ2k4OExtTUZiQVBTWmdBYUlSTWxhSnV0dnJzX19ZVUd4WWczZjBGa2lMWXNpbmI5bHZxeUY4TnhXbGdpUzNFTWF4VmVjT0x5MldWRi1SQU51YndVUklhaTBXWlN6Rk5RMFVoRnVZN08yY2lKbVd1LTdpWEQ0X19kUHl2a3J6Zz09 |
You got it, scared people away, suppressed price, and when the price envitiblity explodes up, they were able to DCA in as much as they could. | r/stellar | comment | r/Stellar | 2025-01-28 | Z0FBQUFBQm5teE5QTnRmYnZybnRZU0tsOHlPOGthOFppb3ExeUMxWGFrNDNhcERycW8wUXRweEg0Qi1jbGVxZlRiSlBfeTc5RzJpNy1YdVZpcGR4Sk9Vd3NRN0NjX0dKN2c9PQ== | Z0FBQUFBQm5teE5RRjVpUTB0YVRsSTZhQkQtTE0tTVdYNGlEOFdTajh5S1hkbEw5RXRnT0FMa1VWa2pyVUpzd3dTTlhHSzBqRzVNaF9mdHFjNTZUdWVmS2NZUUdMd2R5MmRrMUhWNVJ5UjRyODFBNmg0M0Jrbk9uenJ4Ri1YektybGVZbG9UWUIxZWppeVNxaWliei11bGJteWdaTWFyQ2xHb0ljaXk2Y0VrTFRyYndqMmtkNjJaYU5jT1NDakZqdXVxeTVKeXlETlpy |
I am not arguing whether buyers SHOULD hire a buyers agent. That's a discussion for another time. I am asking whether buyers HAVE TO hire an agent. I am in NYS.
The buyers attorney will vett out the details to protect the buyer.
I get the value of a good buyers agent in finding off market housing. And guiding uneducated buyers.
I am asking in regards to situations where a buyer finds a home on Zillow, attends an open house and wants to make a bid, why are they forced to buy a buyer agent to represent them?
| r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QbEhYTk9WX2JJVEdLV05maGhBTENZeXRHRl8yU0c3a0ZkaEYyaFl0OWJmT3kxalhhUEdaODM4eFpGUHpxLUhWRi1mYXZyWWJNaHpqNkZoQ1d4cnRZaHc9PQ== | Z0FBQUFBQm5teE5RcHA4UFNMN2xkLWRnVk1IdFZrMDRvMzlHV05fM3JIR0d6WElybjhIU2tqS0h2QldJZ1B3QkpkbGY4YzJxb1lWUGpFU3BIMUhSQ0FaVHotRnlGdGE1RElCM2ZmS2JuSXhIOHN6RVA5eFdKbEtrSzZuaEpsWUZVS1hCb3N4RUtiWTJZRWh4U2lwOHNhbVBZdmRhX203c3VWdE0zTzRjY2N3eWZlX19aV2J6SUxyczFlRS14ZENsY1dod2p1NHNhU0JGTDdubTA2VTl4MWxIU04zTThsVlVQUT09 |
# Sorry, this subreddit isn't active. Please head over to /r/personalfinance and also [check the PF Wiki](https://www.reddit.com/r/personalfinance/wiki/index) for helpful guides.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/FinancialAdvice) if you have any questions or concerns.* | r/financialadvice | comment | r/FinancialAdvice | 2025-01-28 | Z0FBQUFBQm5teE5QYjZLYkp0UEdYZl9zRENKMHZrX0hnVnBmYWtSTy1ySFhTcl9ZS1JfU2ZQYlA0NWYxczJzY0xObG0zOXkzWGV4aWc4TTh1d01xRllzMGVfSXd1dHR6aUE9PQ== | Z0FBQUFBQm5teE5ReHJwd2dKa05KX292VUtSR0RRVVpRSEVQZ09FQ00wU1hwb3Bld2pqeWtvMlZ4UVJ2dEsyR2IxVk5BcWlMV2l5dXFMaUMxLXpBckJFRVJ1OFhLY0JRUG91MkdmTS1fX3NiLUVqSWlxa2lhUUJmZ2FaZzlSTjVlU1VWazhMMkdCaU9NTmItY3BnczVoallkd3pER19tdHlXNHdWa1UtX0ppYXBUYW9pbEFiSzZYQURadFVIdzcxeHBaa0l3Vm9OSnhYWlR4cjdnNGpySmdVUUJmTWJ1X3VyUT09 |
Seems like a real solid paying out calls etf. Seems like it has always floated around 50 dollars and paid out nearly a dollar a month for a while now. Seems too good to be true, what’s the drawbacks? | r/dividends | post | r/dividends | 2025-01-28 | Z0FBQUFBQm5teE5QQ29OX3ozOHJnQThlUTl2TmhnajRocTQ2U181a3pDTURKSGNUcXhWT2hId1RJMnRxbzlpSDdpTDZjeDRLUWlxZUQwd01Bd0hiZTY2eWRudzFCZDZ2TlE9PQ== | Z0FBQUFBQm5teE5Rd1A2VDkzX2lIWlpjY3NIRlluNHZ0VlpKc3AzNlhidkFpVjVWOUZndVBIa19KdGFjNlZPQldVd0NyT2xybTVCMnNyTWdTVjZOQVd3dzZSb1Z1bUtCRTBaempxNjA0eHdMWXJNeUdBUzVFUkFCS1h4SjUxRll1WjZERXNQYXdIX2thQ2NlQmRsY3oybWJMUUUxdFlDQkNUSmpKRGxScmNqSkpkMndUSHVnNUxNPQ== |
Let’s call it what it is.
Household debt is the highest it’s ever been. Wages haven’t moved. Everything gets more expensive. Trump is trying to start WW3 every single way he possibly can. Americans are broke and scared. Every single morning when the US comes online the sell pressure skyrockets.
Everyone is scared to invest in this asset class right now and it’s showing. We have a mountain of bullish news and the market can’t get ahead because of all the uncertainty America is causing the world right now. Markets don’t like uncertainty they like visibility. Trump is ruining the markets and he’s going to make Americans even more broke than they already are. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QZUUtdjFmeFJPUG5PdXlmQmdEWEMwQnFrQzlzdVpRSjNMcWhjc2Q2YjNmQmpCMmhCS3Q3a1JPOUNBUjZEVXptOXpXRGpUYWpkdHRSdEpyMkNvTmlwVkRRUTFSSWF1TXpWMzBQWE05U1NBU2M9 | Z0FBQUFBQm5teE5RRFF3NnF1b0tPMVF2cmQ4YnlHN3BFb0F5QWlyQjBiTXJwNnZ0eGhCZEVFZm5nQTJxZHZJZkctTWZEZ3FkWFYxZDZyVF91UTdpT0xIejBhc3pfVmFNczJMbUVaWFBGRWdwQzA5blQzTE5lOGotWXZRTUZSdVhWZDNRaWk1Y3hHQlZlVFVvbzByN3o0cTcxSENWd3Ayb1JWWENraWxGMGZQOTlDcHZlb1p4QTBrPQ== |
Talking about contract pools introduced by Aquarius | r/stellar | post | r/Stellar | 2025-01-28 | Z0FBQUFBQm5teE5QSXZQWlVubDhhU1VES2JwUzYyYjQ0YlFaNTd4MHZIdGlCTWlRamVwMkkwck5EZ3VtWmMza3FXcWtFdkNlNHc3Y2FYR0o4SVdaUVpPZkZZaVZFVGtYVnc9PQ== | Z0FBQUFBQm5teE5RRG9iMnc4VVM0QXhmQndEVjFSX1pqWWduUm1UQzdWMFdvTWdobUg4NmlDRUNXLU43U0Z6WVROMDRTaUVlcFhlcVcxZzhlTGJMUlhnbERrcUdEektDVGU1RzZYNDl3ckMyaXR3MnRxak9wY3lIaGlIZ0lPdDd4Uzh6N3d1NTZ0cjFHeERhQVhIOU1ra2kyVy1oUG5ZV3dpNkhsQS0zUnprbzNqYW5LdkotOUN2UDVqZ0ZrcVZuUW82YS1XSHc2MS0xTlJxSW9yNlNwN2tUYzdLSloxS1hRUT09 |
Tickers like SPY and QQQ obviously have really strong options markets. Volumes are high, bid/ask spreads are tight, etc. Trades generally feel like they execute at honest prices. Multi-leg strategies are viable, etc.
The moment I step down into even slightly less popular options markets, this all seems to break down. Bid/ask spreads widen, multi-leg trades become unfeasible, etc. Limit orders only execute at unfavorable prices. The "house edge" (so to speak) swells to the point where it becomes difficult to justify any trades at all.
Now you might argue that this should present opportunities to act as a market maker. But the problem is, that will never really be possible for normal retail traders. Order flow priority really only allows large institutions to act as a market maker, whereas retail traders aren't prioritized (unless you're aware of any brokers where this isn't true).
Are people here genuinely doing well with low volume options markets? | r/options | post | r/options | 2025-01-28 | Z0FBQUFBQm5teE5QaFF6M09HQThwaFJGWkpfV3JMU2hkamQ3ZThGSFZ0NXFJWGNyRW8zbWdoZVo1Zmp5R2R0cUZpTk1WREI3Q0hET2VKNkRuOEJCdkJCQWZWVXRYbnJvZlE9PQ== | Z0FBQUFBQm5teE5RVDV0YkJ0cW96QjBpbWlJWk1JalZMZWxLTzZoVXNiT1I5SF9fcHpWcjBpYjFXX1NUUVRlMEVadGFSVzNSV2RDOHVoMXJVVXNaYno5SElnV0Z5eDdwVGpPM0JZMFJtYUhTWDFYTjBKeEViUE00ZVBkT2RKM29IU2xMSmdrWFNuSXUtZmxEQVBDT1Z0SS1TeWlMU3dtZ1B3UVFXVmJkcWVsb0VyMkVKU3dKZzR0VTR5Tl93N29rVEktX1NtdG8yT3VUMWRHclViRElPMVhub1pyVmRlVjhPUT09 |
Hellou,my family member got apparently dragged by or together with thier friends into pretty Crypto scam and as i am currently verifying blockchain i must ask is there some way how to find out if two adresses are somehow connected between money laundering? They yet invested only several thousands but everyone of them has portfolio in 6figures and they are incredibly hard to presuade and with their euphoric feelings it wont take long until they start sending there 5figures and more and i want to try to prevent that with hard evidence, Thank you for any suggestions.
TLDR:Trying to find way to connect money laundering adresses together since there is thousands transaction on each and doing it manually is kinda hard,thanks. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QM05rMFRxV09HRnVmMGktMmhSTUdkN2VxZHljSTJVbDd6N2VnX2MyZVJYT3lsNTEyalZDZ2Y4M1lBNXJKdklPb0JrVkszX2cyZFBTYXZhZ3N6ZGZKZUE9PQ== | Z0FBQUFBQm5teE5RSTBwamt4OHNKYkVaeXl5emo4dFdDZ3U1TDVHMHktWWtWd0JPVVduQU84RXRLWDd4NDBwdjk2S0xhZXg0UFNKWmp6TzFCZW1VcUNfVVo5dFFQZy1sMW9SdlgzUHpWczAyRVBrVFVubFRpMm50NVpXNGpBLU9GN043ckN3UElmSHNKLVVCck9uZlk3VzBLVEtxSWRxTC0xZ3pSbHFDeThPcTF6UTdVRlk4VFpFPQ== |
25M, I just barely graduated, paid off my academic debt, and started a new job making 60k a year. As of now, I have close to no money but I'm just starting out and wanting do things the right way, financially. I have about 5k in a regular savings account through my bank. I want it to start earning a higher rate of interest on return but l'm not sure if I should put some or all of it into a high yield savings account or in a money market account. Is one better than the other? I was under the impression MMA's offer slightly higher interest rates than HYSA's. What are the downsides and advantages to both comparatively? I would love some insight and advice. Thanks! | r/financialplanning | post | r/FinancialPlanning | 2025-01-28 | Z0FBQUFBQm5teE5QQW55TmNMWUlZQk9hUnFpZXpHa2pMaDNJeG90Z0hmMDgtQkxsX0gzSE1Xa0pMNllQdDdLeEE5NjZfVWdsVTJOODdwei13LVpveXJZRFVTbWdvV1lLNXNGLVRfLWN6ZjdqS0VBTTZUeEI1UGc9 | Z0FBQUFBQm5teE5RLTNOYmY1TmRTeGZyVEJxOXdzckp4Q0hXQ3hkVGo1OEpHTlJxZGU4S3Fob2Z1NVl0YU1RRXcwYTZNRGJzRkU1UEMxbGx3NmFWS19xc3FKSTQ0WmhmX2h1elRTTmdkZEsycEEzZW9hWlcwWnpTQkROc3haYkZuQVU3OUY2UTJSZG0yc21qWmRiMTVsd1I2WVJjbDl6VXJpTkswd01JNFNKTzZWR0tLQllfR2pmb3A1Rm1xVmZ1R0JwSzF4Nm1pUHE2M3kxTGtudi15RHFWWk4zSXdXTmN3Zz09 |
If I forgive note is that a taxable event to me? Do I need real estate attorney? | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5Qck1uem5VRkJDT1Z0eDRHa0JPZ0w1bktUQnQyR3RLanhaejQyUGZtdC1yYjU0eFA5eHJqc2EwazFGUFNWMWs2QUNYQWdzdG9TQWpTRFBHeUhGaUIyV3c9PQ== | Z0FBQUFBQm5teE5RNTZhLWt5akZTNDgzZUoyM2xtLVN4LVk5aGExX2tuYTFrSW9xMEdseEMxZHVyWmJLN0N3YTZLMWNvSnhSb3lMdDlqSHNZdWd2MExnYVVpWmJJV3cwWGQ2bkRPS0d3cjVvM2FER3hERW1vdVJVcEI5MDJETEVKTE5Cb2Y2VDFRYUxmRFRPTHRGenBpNkc3LVFnWkFQbTFwVm9McTkzYXg2MmpZNDNsUlRPMlFNPQ== |
So, I'm m, 37, 4 kids, divorced and back living with my parents (it's not going too well)
I earn a salary of £26187 before deductions and take-home pay is around £1800pm.
My outgoings that can't be changed are £400 child maintenance (they stay over 1 night a week) £200 car loan. Other outgoings around £250pm (Insurance, road tax, phone, memberships) so that leaves me with around £950.
Now my issue is, I need to move out. For my own personal independence, having somewhere my kids can come stay with me instead of bunking in my mum's spare room and I want to get on with my life (finding a partner and living with mummy isn't very appealing to 99.9% of women).
I just need to know how can I, or even other people in my situation survive on that £950? Baring in mind I haven't costed a I've got other things like food/petrol/clothing/savings/days out with kids, or even a few beers once a month.
I can't get a mortgage due to not having savings for a deposit and not the best credit history.
Rentals for a small 2bed are around £600 in really bad areas where I live (Wirral) and I've no idea how much bills and everything else on top to run a home will cost.
Literally any help that you guys can provide will be great.
I don't want to claim benefits where I don't need to, but I feel like I might have to. Even looking on the government calculators, I'd not receive much anyway since I'm full-time employed.
So please, someone point me in a direction where I can better things.
**Just to add, during my time living with my partner (around 15y, I always used to just giver her 80% of my takehome pay to cover bills/mortgage etc, so I've no real experience in paying bills, how much they are or when/how often they need to be paid. Basically babied through most of my adult life so far | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-28 | Z0FBQUFBQm5teE5QckR5UDVmOC1XaXoza3V6WkF1RU5xZFhoVXpiRUw1aXFxUnZRTkZJbDB5MUJ3amU5Ml9md2lNSmRnQjI0RVdkWXBXNHYxd2xNR0ZzYWNvZEdHaTNYVnc9PQ== | Z0FBQUFBQm5teE5RM0xyYWh1R1pYMUIzZi1BcnloTFdIQ0IxOUxTSENiajhTZ2dOM3BFT3FWQjM2S3dFTENuRWFaLWZINHU2QzZEVl9nZGZESVc4enV6MnlEMEVOTEpFbHNIVExvTk02cXpzV2ZiLURTbGJpa1B4bUt0YkduMzYwVkFfVnM0d3hQNFE5SGUtMXNVaGM5Q2hrQzhQY1BfVTNjSFczNVN0bzlPQ1o0ZnlkeTZjUndVVm5qTE5KUnZQNUExTENFdzNCeC15cEV4QWNWOXMyUlY3TG9FS3AtYUJmdz09 |
ETC has a lot of utility and can easily port every open sourced Ethereum project. It's not unique in this sense, there are several ETH alts, but it is the original Ethereum chain and stands behind "Code is law." Hashrate continues to grow, so I wouldn't call it dead or abandoned, but I wouldn't expect gains to just appear. You would probably do better utilizing the coin vs buying it; not financial advice. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-28 | Z0FBQUFBQm5teE5QZ2hHcmlSbm5SNm9ma2tMcjBSV01FMkxiVkVERGVTRmxRYmJaRTljdlBWVVc3TXZweWZZSUdlaFdWZDdlUkdza0ZUcVpOOWoxUjZLaEVjRFF1UU84M1h3Sl9LdmhFMThiV2pVWU5lNGJwRDQ9 | Z0FBQUFBQm5teE5RQThjeVFGcXdjR3BnWkUzczc2aW9hOGlUc3RNS19kN0VvUVhYVWVfN2NZbHVVYTUtWHhvUUE2dVU2YS1Hc05aZ2c4SjIwQ1BIUW14SHlvU29ONXJyVUx4YVVacFdETFoyLUJ4emhBX21vbkpjblhnbkNkdDlHeEF0dWo1dExMSWRHZG5RbnZvWW9NdENIeEw1X0tHcTBWOTJocVRDbFdKOU1CYU5GTXFmS1JzPQ== |
Wild that not a single person in this thread has even mentioned who I think Satoshi is. And if it's who I think it is, the Genesis Keys are lost and we will never know for sure Satoshi's identity.
(No, not Elon) | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QZngxNkY2bENjZ0NxaE1rSVVyT0wtS09tbG81bVBlZUM4VlR2ZUYtVTZzSU1qRVB2ZGFwTXl4M2xqTXNDY0VHVUVxcmdPcV81aF9xNHc0N05Wd0x1MVE9PQ== | Z0FBQUFBQm5teE5RUGc4bDlLelF5cGI5b3B2aGtzN2VjcDA5Z1RRNmFpbWFFSDBrM0tsbXFFNjROWTFZVnZuRnZ0dk1ULW1UeWU2Yk0wZTVvclBnZ0JaRkNKR19lYkZBYk5wbWNscl9jZFFxQXIzekNMYThmLXRoVUFxR3BkU3AxY2pNUXVlMGFWOWh5T1dWQXBHTHBQS3ZpODVhcW1pRHR1T1RWQnY0RTdhSWdBVXJDNElHZ1lEZHpCakxBWENfWldmMkRNUHdmdVlsWmdKaTZvNU9fSHY4QWgweDgxMW92dz09 |
DeepSeek’s new open source AI reasoning model, R1, sparked a sell-off of Nvidia’s stock and caused its consumer app to soar to the top of the app stores.
Last month DeepSeek said it trained a model using a data center of some 2,000 of Nvidia’s H800 GPUs in just about two months at a cost of around $5.5 million. Last week, it published a paper showing that its latest model’s performance matched the most advanced reasoning models in the world. These models are being trained in data centers that are spending billions on Nvidia’s faster, very pricey AI chips.
The reaction across the tech industry to DeepSeek’s high-performance, lower-cost model has been wild. Pat Gelsinger, for instance, took to X with glee, posting, “Thank you DeepSeek team.”
Gelsinger is, of course, the recently former CEO of Intel, a hardware engineer, and current chairman of his own IPO-bound startup, Gloo, a messaging and engagement platform for churches. He left Intel in December after four years and an attempt at chasing Nvidia with Intel’s alternative AI GPUs, the Gaudi 3 AI.
Gelsinger wrote that DeepSeek should remind the tech industry of its three most important lessons: lower costs mean wider-spread adoption; ingenuity flourishes under constraints; and “Open Wins. DeepSeek will help reset the increasingly closed world of foundational AI model work,” he wrote. OpenAI and Anthropic are both closed source.
Gelsinger told TechCrunch that R1 is so impressive, Gloo has already decided not to adopt and pay for OpenAI. Gloo is building an AI service called Kallm, which will offer a chatbot and other services.
“My Gloo engineers are running R1 today,” he said. “They could’ve run o1 — well, they can only access o1, through the APIs.”
Instead, in two weeks, Gloo expects to have rebuilt Kallm from scratch “with our own foundational model that’s all open source,” he said. “That’s exciting.”
He said he thinks DeepSeek will make AI so affordable, AI won’t just be everywhere. Good AI will be everywhere. “I want better AI in my Oura Ring. I want better AI in my hearing aid. I want more AI in my phone. I want better AI in my embedded devices, like the voice recognition in my EV,” he says.
Gelsinger’s happy reaction was perhaps at odds with others who were less thrilled that reasoning foundational models now have a higher-performing and far more affordable challenger. AI has been growing more expensive, not less.
Others reacted by implying DeepSeek must have fudged its numbers somehow and training must have been more costly. Some thought it couldn’t say it used higher-end chips because of U.S. AI chip export restrictions to China. Others were poking holes in its performance, finding spots where other models did better. Still others believe that OpenAI’s next model, o3, will so outpace R1 when it is released that the status quo will be repaired.
Gelsinger shrugs all of that off. “You will never have full transparency, given most of the work was done in China,” he said. “But still, all evidence is that it’s 10-50x cheaper in their training than o1.”
DeepSeek proves that AI can be moved forward “by engineering creativity, not throwing more hardware power and compute resources at the problem. So that’s thrilling,” he said.
As for this being a Chinese developer with all that implies, like concerns over privacy and censorship, Gelsinger metaphorically shakes his head.
“Having the Chinese remind us of the power of open ecosystems is maybe a touch embarrassing for our community, for the Western world,” he said.
https://techcrunch.com/2025/01/27/former-intel-ceo-pat-gelsinger-is-already-using-deepseek-instead-of-openai-at-his-startup-gloo/ | r/stocks | post | r/stocks | 2025-01-28 | Z0FBQUFBQm5teE5QTnNMV1FHNTJQbUxzd1I4SFl2SGhkbUVqNjU4ejNoVUNzTTdXaFRBUWFpTGVfOWtjOXJNdTlLZXhFeHR4Y0VIMlBnb2VyMG5FTHpRV1NaeXV2R2xTSlE9PQ== | Z0FBQUFBQm5teE5RbTFsLU1wNTZLVlJkUEtmLUh0MkVBOUQ5N3dNSFo5LVFBY2g2NndFSUVqaFBjSGJlWjIybFZzY181ZHo2UzA3bnp5Tkd3WFNJQ2lvUzdFcTYxMkNYTkNlNVhfaV91d1o5SlcxT3M1LWtmREdueElmMXV6Tk02eUtGc1l5Vy1NZ1pXUjVJMXZ1dXZMSHA1N0lHRXh2NmZId0p6dW5OMjdadW1Qbk00UnhkQ21GX0tnTDJ2bGdFWFJBT2ZyWnZxbnBPRFg4MjlSaFRkd0VoM2pwQkVQZ01odz09 |
The CCP. | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QV1ZOWl81VWpQb3hCSlA3cGd6elBzV2ZWUVJwaHlPT0Q1SUlrNmVBMExYU3MxU2JJU1l3LTU1UXdObzAzSXNMTWhxbllRSjN3WmJ4azZWbUFiVTV2T3FZeGtkRVZBdWJHZVhBc2llVE0tM2s9 | Z0FBQUFBQm5teE5RckVIbzZXYlJYZXlvcUZqM2xPZTVyS0NRZXBBd2lOcHRUenBKSXF4NWVuMW8xRjNJblJCbXBOMGh3SVhfTGptNC1SemZqdmVER3FDeTlJbUtUUDJnaHQ5eWdINUpKWHVxZkQzcVlqS0Vsc09jVE9vZFBONF9JZ0dwN0hiVFhzTF9fRnNROEJ4M2pFSGZxc2JYWVpoMHBMZG5LNjlaVWFnWUxaU1BmVFhZT0g0PQ== |
World Liberty Financial adds 3,247 ETH, now holding 59,329 ETH.
US Senate confirms Scott Bessent as Treasury Secretary.
Tuttle Capital files applications for 10 leveraged cryptocurrency ETFs.
PayPal's PYUSD stablecoin integrates into Cardano ecosystem.
KuCoin co-founders Michael Gan and Ke Tang step down following a $300M US settlement over regulatory violations.
Humanity Protocol raises $20M at $1,1B valuation for Web3 identity system.
Alchemy Pay secures AUSTRAC approval to offer fiat-to-crypto payments in Australia.
France opens probe into Binance for money laundering and tax fraud.
Ondo Finance brings $185M tokenized treasury to XRP Ledger with RLUSD integration.
X CEO reveals Visa as first Xmoney partner, launching later this year. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QR0d2ZzRXbDZfdXZUOXAwMVNyZ3E0Z1F4bUZaUlJneno4SFoyd3BTVDdaSmhrQnlIUlBuMW8xUF9XVVB4Z3k4QTF3eEwxRjJMRDI0QmFiMmVURWNNalE9PQ== | Z0FBQUFBQm5teE5RSERMTC1vcUhxVVhwT1BaRmFSMXV5c0ZlYlRXbC01ZFZ6WTFTb0ZYOWpnNnRub3liYVVnbURFYy1lcDJHTmhlZERPVHFKWkhGXzZBdzg0NUZFS0M1di1GU19xbGktVFBITjJjWVJYNEVWbVpxNFRxU0pOWXdaTFdwNmh6MjlLalZGMGdFbWE4bzFudFpMRkRMQ2ZKRHVHMHpaakVFUC14cURnMi1mSG1YWW9RQ1VsXzctaHdKYmV1VHJIOExYa2Vx |
My boyfriend lives in Ireland...we are in the process of selling his apartment so we can purchase property here prior to us getting married. He also has another home in Ireland that he inherited and we intend to keep as an Air B&B when we are not visiting.
We want to purchase a house before we start the visa process...but we are also kinda lost what's the best way to do that, or if it's possible.
I have never purchased a home, so I'm clueless and most realtors in my area are small town types and haven't worked with a situation as ours.
We have 150k to put down on a property. However my income is LOW due to my limited work schedule and having children to care for at home.
His credit is flawless, he has worked for the same company over 8 years, etc.
Is it possible for him to purchase prior to a visa? Are their lenders that work internationally?
| r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QQVlFS1NDSmZCTXQzcU0zcU53c3hOU1U5WkJadmVGZ21XV3hGMmkteVNGQV94VXlsemRIUDJQa1dFblMxSUxPdENDRklCSWgwMGg4c001aEhsQ0h0dFE9PQ== | Z0FBQUFBQm5teE5RR0F4WUtOdXlfYW51ektKcVRxcGJDTmRELVF3MWF1RXUzNU1rTnREdUpNSXYxLXJKQ2J4WlN6REh0NWIxQkk1WlQ1MERqMjlRbEtUdFJkMDJpSzdwMjZqdDV4WkxTVlktQ0lHNWowTzkxUEhDVlYtYS1oWGdmaWx2MFlwM0NWZV9uLUd4a1p5X3dXVFBUME9hbGxEU1hLWjhPcG1ZNEI0SWc3VVhOdkFDcTFSYWNtbkVadUhWZGdHSWRYZEdmWGVR |
Anyone here use a SDB for the company 401k? My employers stock automatically put me into the 2065 retirement fund, which isn’t horrible. But an SDB looks appealing to me. Was planning on putting my 401k in VOO and some VGT. Thoughts/opinions ? | r/fire | post | r/Fire | 2025-01-28 | Z0FBQUFBQm5teE5QUzJoaEd0UlRXamc3NlZYcmw5eE52NHRzZWVMb0Fud25sYkF0Q2x5Qm5VTHY0ZG53WXZoRkFyYmpDaHV0dWZTbnJZNkMyQzBVaGhBMUh5aGx3NWxLVlE3OXVJQVg3a2RJSDgwRlZ0aVRkaWs9 | Z0FBQUFBQm5teE5RVWJJZnBEY3BWU1dmRGlDTjZrbFU5R0txTW9tZlA5bmdCTi1GU281SmFoOGptSEJSVUZHLVN6QTRwU3ZRYzhjOEtvV2otbjRsT2xyN2duMllIbVZFNjNHRzQtbUJDWlVNN0xIUE5pU0tObUNnUV8zcFJHejVkdjl1RHFFVXYxY2lVUGRCRjhocTlCYl9tX0xNczdUeU9fQ2FkWi02QUJMNjVJRElWbVlHeWpsVlNMYjg5b3N0bzdjU0kzanNIck9J |
Repost: Hey guys, I am terminally ill so money is really not on my mind. However, my wonderful caregiver spends her days looking into crypto exchanges and she is looking for a way to build her own BOT to trade mincoins using deepseek or chatgpt. There are many X accounts showing codes and stuff but we onow nothing. To spend my time, I have been looking into this too but simply could not find a way on Dexscreener or GMGN or whatever platform to simply open the developer section and start coding. Can someone please offer guidance? Thank you! | r/solana | post | r/solana | 2025-01-28 | Z0FBQUFBQm5teE5QRC1RT0d4VXRpbXRxaUVfX05hdEo5VjFad210eWVIY0NTMFlROWs2eFl2YldCTnQwc2Z5QjZDM2RkRGFVNG5fdkxfdm92SGxtR2o4dG1RajdsemZuc2c9PQ== | Z0FBQUFBQm5teE5RVW1FdnZIOGNPTFYyNDFzX3BGaGFEZ1BNdjh1NWF0VnlORDZkTEs0bGg0LTM5cHdxV0x4Nk1vUFRkalZPRWNoWXluQjY4UEpDWjRRMWhLZi1heURjMTk0eU01TXgxVnA4LW52LS1hWjVXVXlxN1I2cDRpZTVQaVVMZmFIdTNWZmE0ZFBfS2ljemZud1dKbDRoWWlfb1VqS080d1dsc0JBa0xjdFBBZm91aDdrT0hXazlQWVMzcW1jdkZ5M0lBWWMz |
So there's this coin on Solana called N64, the contract is: FzAwkijFzSga76USEpo3126GyTRmxcMDbA9TYD2PPBt5
.The market cap is currently at €250,000
.There are ONLY 64,000,000 coins in circulation.
.The price is well below 1cent. This just needs a 64million market cap to reach a dollar.
You can buy it on raydium and sol flare. Just swap some Solana | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QbmxFSDZFdWhIaFlxTmpsTWplTFlKR1o0U0R1bkQtZ0M1TW02a0lWWl94TjVmb254d1VfanV6OWV1NzY2ckVaSzFDUlNwb1BoX05UWGh2bERDb3Q5S3c9PQ== | Z0FBQUFBQm5teE5ROWExNFVYbnliRXJwVXFJeGhxLWN5X1V0YVlCOWxkU01MQno1aU8tTThRTExfV2JTTEFnejZ1dXRmV1Bya1o5VGV2bjRVdmhEX2xuMVN0UVU1dXBEMVlrT3Y1eUtzSG9FRzJFOWM4WEZxYnhOVWVnMWVPWVhTVVFYVXZXdHJSelcyUnpFdjlGcHFRbFY4WTM5Y1hId2FFLWhfRlZrTGNvazZ6OW04cU5aazJXQTJ0LWxzVmdPVkYzRDFYN1Rna2E1aVo5Umtfa2ZrQkRLb1NkUl9yWFhmUT09 |
Yes. Choose Chutes. | r/bittensor_ | comment | r/bittensor_ | 2025-01-28 | Z0FBQUFBQm5teE5QVnI2T19hcE9jSXFnQnNNcXVsWXFZUV96Si02MmRfTUlpUGlMeG9YWmZGRHhkRmlkcHFFVENzcGFXN0NyY2tQcU1zWnRhd0JRdHkxbnJqT3FpdXJIRHc9PQ== | Z0FBQUFBQm5teE5RRmdvREFVc2NPYWJBM1pVRkJzQzlZSkR0MFB3MzJOUURDNkR3NVBrTlRBakxRTmVsbVpZUjBHbU5MVE55LXRrSzVzb1JoNzdGaVFDSGhtcHgtS3NSSFMzUTFvQmcxbHFJQTJEcjdIVU5uVHlyYnM1TWdGVUxHTGJYQWE3RVpGTjh0SmZ1ZkVEOHpRemdHcVliMC0xT1UwVDRNeDg4M2UwcUNmQkFSaTBNeFg4PQ== |
But once it hits 0......it's not going lower. Has nothing to do with interest rates | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QTFBjOG5scHRXRzZITkl3NE5vT2hXYjV4VU51VldncFBsU1pLOVUzeTFldGV0UFFnRk5CN1FaQUtNdDYwR0U4MHk3ZWRzUzdmbU9rUGRtZlF1LUNYWTk4ekhhc3ZDSVd6RG92SzZpem5FUmc9 | Z0FBQUFBQm5teE5Rc3dWOE40dWV5UWx5YUFDaFluVzVoRHhaZ0tOcXg4ck1wM1RxWVhhTXFreEJ0Zl9RUzZaNE9seWhIX1N6YndndENNQnozR2lYdmxvblFCRXlWc0VrdzBDTWM2VHI2RXR0cV9wUVdJQmw1Rl91ZWh1Wl9iMy1ERFdTNl9hVEhFMm02ZTJqRFRsNFFZaWR2NnhGaXJMOV9TazIwY0tVM1RNdEg5RjFfc3lhRTZmVDlSeGI0bVo3eURQUnZ6eU9QZkVkMXFiZlhsQlZWSlZJQUY2WVBZY2VBQT09 |
This is my first option trade ever. Please tell me I’m not going to lose it all. | r/options | post | r/options | 2025-01-28 | Z0FBQUFBQm5teE5QLURxZnpOYW1yeXlkdkt5T2NiMzVEbTN2ckZBcFlfWWJtVHJQRVZ5LXBlRzdDNk44QUdtck1SbVJXaVNKc2ZCeGFnQ1ZIVV9mWE9WS3lSZHpzQTRUTFE9PQ== | Z0FBQUFBQm5teE5RaXpGdGtlRFpjeE9BQVh0ZjhSa0J3QlBib1JlOWNsbnNZWFU1MFRkVTBibnVOWHRFZ1VGN0JuZWhYYUEtLWFaWEdjUnhEY2w3bTZCUG1yYkEtWVlJZUFBb09FRWJOX1JORjlaTkV6clRkcVlXN2IxQmplcVlyME5Dall0TXZrQkhfRElFa3hPYjVFeG5YNkhFOHVlQkpSZFI2RjZjR1p0bzYxX3daS2FXaW03cTVjdmZLb2pOUHp6NDMyM05RTlhC |
what apps? give at least 3 apps please | r/filecoin | comment | r/filecoin | 2025-01-28 | Z0FBQUFBQm5teE5QRUVaRmlRcXNCTkpiX0hVTkoyM0hHZTlwU21xbDNuUkU4bW15LVdWWU90am94V1FOVVBkVEZGWVVJeUk5RkNSWExKNm5BNFNmZ2pNaW0tUUkzSlpHSEE9PQ== | Z0FBQUFBQm5teE5RRGxPeVh1SWtVdjctWnk5UFYwM0FveHpOanJxRWFsX3c0MnZKUXUwTTNkeXUtLWZ0Ylh6aEdiVHZjNmFRTUFYWklzSmJjczJtRnFPUnRLdWZOdzFtc1ROY3J3YW1QUk1SNWpHcnY5Tjd4NTRMQmZLS3pBa1pRemJfdzhYUjF3dUxPM2lSVFZNRXQ3MTd0bl9rWlZTSGJxTm4wZmt5cmRJUXJHeDB5LVk5OURQTUlteDN5Ry05eEJDaHpKNzF2NkYtQzZ4SzZNcURNbkNOYWJoemdMOHJnQT09 |
I'll make this as simple as I can, if you have Qs ask below and I'll respond, TIA!
I own a house, mortgage has 80k left at FHA 3% interest, house is worth 175k
My friend may be interested in buying the house if it's beneficial to both of us
My loan is assumable since it's FHA but he does not have the 90k+ to pay off the equity.
Can I speak to a real estate attorney and somehow "become my own bank" and sell the house to him at let's say 4% interest?
That way I'm making some money, and he gets a great interest rate?
Any ideas?
How would this work? Is it even possible?
Yes I understand the dangers of selling a house to someone I know etc.
Thanks! | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QYzU0aWtpM2RmQkFfa1B5ZWZnb1JzMkpWVElLaENmODlydXo1WWQ1REN6UVAyWjM3aUJxYWZZaXBpTGNRQVloU0NsczVLeTBOejJfc19rV0xaNXdwTXdaTkU3ZHprVE1NSmtQSUgzdzB6Ykk9 | Z0FBQUFBQm5teE5RSmozM0hlQVVMQkJvcU1zREFXSEJDbHN4SFFMVkVuWDFZUXR5cVJRcEU3YkIzMHhYajNmV2hXMmRvdTdLbnVxbHJPbnFBcWx0TUhiMS1MSVgyUTB4MFhRaGxsZXBUdGpNai1qNmJQNWlOczBEQjA1b3VKM29QUWZzbGhEOEM5dGQ5U0t6QWx0VG1lUXY4N3YzczNTLVdjbk9maFFwY2s3VXZIamkwTHc1dUhRPQ== |
For example if the market is down, you would pull more from bonds than stocks, and when the market is up you pull more from stocks and replenish bonds right?
But with the SWR, do people just pull 4% from their entire portfolio regardless? Would you be able to increase your withdrawal rate if you put more thought into it and refrained from pulling from stocks during a market crash?
Also, does the SWR assume you pull the same amount monthly regardless of the market or would it be smarter to withdraw the annual amount you need at the start of the year if markets are at an all time high? | r/fire | post | r/Fire | 2025-01-28 | Z0FBQUFBQm5teE5QM29XSHVpR3dBYlg1a3lrbFd2Tm4yQVZzY2lISUhidldkd1Mwc1c1MEhTQUNDNkZpTHkxZ1VmRkRhYURIYm9OMVp2dUM4X1dWTXdXdDdjYk9RamZVa2c9PQ== | Z0FBQUFBQm5teE5Ra3RLQlI2UTQ2cjJTQ1dsYWR3azM2aXNuUVNUdGxtdWxIVF9SWG9LRnR5Y001a25kRW9JS2IzZ1paUjMwdkpPLVh4X0pEQnVNQWo5S1Nqc3l5UGtIZ1pOaDVqU1hlTWNYdWg4ckNzQjFac29IMm84ZmZoVHF1amVDUTVDLXBqX081YndidVQxMXU2dVFqU1hHODJfRG5MbV84eXVfajhxUlczcXlMZjUwdWRFeEoxd2Z2ck1SYmVJX2g1TUtzdlhMX3AtTUdJR0ZtZ0QxSXRsQ0VGYWMxQT09 |
I currently am putting all my extra income into buying bitcoin on a weekly schedule (take my excess from paycheck and split it up by two to DCA every week)
I know we are nearing the end of this current cycle (end of 2025) and the bear market tends to last a year until it goes back up.
My question is, should I sell when it starts to go into the bear market to repurchase in 6 months? OR just keep DCAing extra while the market is down.
I believe in bitcoin and I will want to keep it forever, but I am trying to figure out the best move on the board as I am very new to bitcoin.
Thanks for any info and comments 🙏 | r/bitcoin | post | r/Bitcoin | 2025-01-28 | Z0FBQUFBQm5teE5QUEZkSE9OWTdWVnQ2S05MS3pLM3pZU0tjVjRlYTVRVnljRE10aE1ZX01DS0ZnSzdpQV8tZW03S2t1YTQ0T2NCNmFtbVlaaTVoNDdsQ2o1TGNXeWl6dlpyTkVYZlBQaVNSLURfQ2NtNUJtVGc9 | Z0FBQUFBQm5teE5RNkt1NnQzcU41OHc3ZkpaZnM4QmJvQjdNQ21RSFV2LUZXdF9hRXE0TC1JaVExSGg3eTM4ZlJzT2REcGtDanlrZEQtUFV2Q0E3aUlnMFYyN0pxTnR1Yk81dzhwUFJMTEtCbEdseTZlaXhmZ1psdzNGSjc4N3FpalpRRWlRd2stbVBsbjV5QkdSTnBqQXJTV0twTHlBU3BPRk16VnFlYmlxVHpQRzlDLWlxV21FbFNsMHY0MXFjWG9NTTJfd1Bpbnpr |
I want to get into crypto but I have no idea where to begin. I downloaded phantom wallet and I have coinbase also. I have been seeing people on twitter talking about certain coins to invest in like this “MLG” coin and stuff like that but I don’t know how much to put into it or if I even should. Where do you guys think I should start, what should I invest in first and how much money should I put into it? And should I test my luck with some of these random coins without any experience? | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QU2FqY29qR196WGY3bkhqSENzOFRLWUxVeUJSeE43SnNpM3NPTTZ0TGE2WDM2SzVlVElnelBKYW05WlhlQU5Oam41SDlQVElyOFpncTZ1ZG9PQUtlcVE9PQ== | Z0FBQUFBQm5teE5RZ05RUFRRbjZkdUtjQzZrNDV2R2Y0dWhGQVN3WHhTUEV4R2FWVnhwLS1oUF9zcHhleE5fYWZvOF9kYkZPT3ZkRXIwaGZodU1BeUFMNXZSX1Y3emdMTUFQaUxxTC13OTNodzFqSnJnVXEwbnMtNnVNay01TEx3RnhZTG1Xel9xMnd0d0NXV2hleF92MTFvVWFsbzEtcTFTQXBkMTBra1RqN3NGTFBpUFRDSnZVPQ== |
I believe it is all connected… | r/stellar | comment | r/Stellar | 2025-01-28 | Z0FBQUFBQm5teE5QX19ERV9QcWlzRzVlb0taWk5ab1YtSWF4bnFDS1pGU2xyUGdYeFozSzJoNkh0bldWMHdRNUd1MmRjYnZlYWJqUkRsXzFwNE9uRTBhdDJub0haNGxCSzRoaXNTbWN4d3N0RmxMZDJjRTlHOUU9 | Z0FBQUFBQm5teE5RbVNvempDZV9tSnMxU2hvV0J2S0lDTmNJWGVRZWhUZUZnT2Y0dVlya0J2Vl9NWmJud1NTYU43QkxRc1EwSnctRzF5emMydFJYOFRpTlh5ZThaMkxpOWVHRUJHbWIwWXJFdjlCS1BBV3kzUVF0NFhCaEtvSEU4bGVOZHYzSkI1QzN5cl9IUVVSYk90WDhadUFMeDFsZFZhWXctTjhEckZkX2hmVzJYcTgwNXJtSzlFTUh4ekJOYm5QM1I0VkZudjk4 |
Hi, everyone! This might not be the place, but I really need help finding out about this crypto website: exch-bit global (a dot in between bit and global)
I made a transaction with some guy days ago. I gave him my League of Legend's account in exchange of $$. He claimed to be from China so Cryptocurrency was the only way he could make a transfer.
Anyways, I accepted the deal as long it was safe and legit. He then suggested this website where we could make a "secure deal", in which there was an intermediate to confirm the transaction when both buyer and seller (me), completed the conditions. He made the transfer and then I gave him the account details. The deal was completed.
I have the $$ in my account (website account)
But I can't withdraw my funds yet, as the website asks me to first make a verification deposit from the address I want to withdraw to later. And that seems very suspicious.
So does anyone knows about that website? Or anyone knows somebody else that worked for them?
I will very much appreciate the help. Thanks for reading. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QVG5UcllCU3F5ZGhjLW5iYV9NclZWdHJGU0RGaEZPMlI2eVJ6NGR0NjlkN3lOVVQzOGtqWFZxb3VyZTJGQWR1UkpkZXliMmdQMHNkTExDSVIyRHVKcGc9PQ== | Z0FBQUFBQm5teE5RRUlRNkwxMUtmTC1maklVZjBTQzFBVGwwY1RWZWsxTDBLU2d4RlpYeEg4TGdpQzduX0h2T0VEY0Uzcm9GYi04ckprbE1RSC1nZXRiSGR5bmo0em81MzhWRGNXckZkYnZYRXVLcHFDX2lzOE9xT3I0MEZFOHp2ZGRsTnhuUXd2NWZvelNNVUVOX0VPVk4wakN3MDFoRzZqcUxCYzBoSGdFNFFiS3BLSWRIZWlQQ0Q5SmtXZzl0V1JyOTVjY1Q2dENBNE1SYUdjQ0N1Zlcta3c1ZVE4WHdUZz09 |
Absolutely! | r/altcoin | comment | r/altcoin | 2025-01-28 | Z0FBQUFBQm5teE5QaXVMemVfeHkwZDUxemV2MVhsTEhuTnA1NjdvTUZQQWN6N2dHb3JQNTRZZkFlRlk4Wk4wTkQ0eVBrMDBuY3NmWk9PT3ExSHgtcl81b2NRdldqc3l0YkdkZWhIRjhYM3FUZ2V4a1ZzODdsWTg9 | Z0FBQUFBQm5teE5RWE5XT2p0V0NKZDFyWXQyb1VFOEJldmF3eHRrN2tlX2duTXlSeU9KWVp2YVh5RFJ1SC1Kam9oZGptQS1YTTAzZ1dCd09yaW9QNXZkUGpvSEdEQjZyVE53cWR6M3V2aEV4RTkxbUtKaFppa2lxamxsd0dGSXdkSy16MzNmY1JaU2VTbmhDMmxpSjdiZHNUTTNGTnNFc2lVeXd0WmhISzkwNkx1MnI0NjVja3VqcnNqQ1AzYnM2Q1ZQM1VXcDlsS3Mta3RxdUV0dVFrUXVDTFFPdTRsSVpyQT09 |
For example if the market is down, you would pull more from bonds than stocks, and when the market is up you pull more from stocks and replenish bonds right?
But with the SWR, do people just pull 4% from their entire portfolio regardless? Would you be able to increase your withdrawal rate if you put more thought into it and refrained from pulling from stocks during a market crash?
Also, does the SWR assume you pull the same amount monthly regardless of the market or would it be smarter to withdraw the annual amount you need at the start of the year if markets are at an all time high? | r/leanfire | post | r/leanfire | 2025-01-28 | Z0FBQUFBQm5teE5QTjN2bmxaV2FzclVQV0hTQ19wRFRrR3lNSVJTZVdSTnN0ZUluX1BJSk1EaHAtVWw1OUN2d3lWd25rSkhUSWZ1WXdLQkplMGpBQWZqdy04d2x2ekhPUmc9PQ== | Z0FBQUFBQm5teE5RVmZPVmtsU3M0NFlNdkEzcklOT0s0cE84aDJWT3ZSalFCVVFlbmEzN2JnWl9Vc0V4ZkV5eFR0eUF3RnktRDFiVWNta3NrMVZTUldnZldSRlVxZzVQZzgxSkZmRm1NQUVydUo3ZEM2RDhMMVYyWG9Zakp6akNfaEg5UTdiVE9GQ3ZNbWd6N0dodmUzUm00Qnc4Slh6d2Q1UHI5dzJ4LUd0ZnpRUW16SHRDSXp5LUlxdUNWQkpXamR6WHNLQ1E0VTJZbHdnQS1DWF9YRkk1Q2dBYnY1MHF3QT09 |
I am able to make profits but still i am left with nothing at the end of the day. I know the losses or profits are not much. After having some winning streaks i get a bit greedy and cant stop trading. My mind tricks me into thinking if this trade will also go in my favour and then revenge trading follows. Maybe i need to just delete the app till the next day? How do i overcome this? | r/forex | post | r/Forex | 2025-01-28 | Z0FBQUFBQm5teE5QejNlWWpBVXBzVENrWHhfYV84OXhTMDJZNTBDVHhzNUxCMk8xSElmb2pwc3J3Ml9ZOGNqTTlTT2xTdWFxUS0yeW94WTFEM1duTnoyVXg1emowRW9VeE5jT0duMTd0QWRHZFo2X2d0eXp6VG89 | Z0FBQUFBQm5teE5RYTdJNVZLa3BHaVFZdHZGNEhuRGxkNkg4MUNWb3oyMW5ibmZRdXo0ajM4ZGJBNGQtV3d3OHZnRjNUYlN4Zk1LVXZBRS1Nbi1UVFRsSEstNFlRMjlhdHpMLXVsMmlPTU5UN2ZKSXVqWW1RTGkza3hHZENoMVZrSGxpb2NxTDFkcG5LQ1V2Vi1TU2tMQlp3YkJvcUNxMjhXTGtDY2pRc2VRVXBTd0xCVzFBRWpZPQ== |
**Did DeepSeek Stage an AI Breakthrough for Financial Gain?**
DeepSeek’s claim of training a GPT-4-level AI model for just **$5.5M using 2,048 GPUs** is likely **90% false**, based on industry benchmarks. The math doesn’t add up—they almost certainly used far more GPUs, possibly even restricted Nvidia H100s acquired through unofficial channels.
**Why Make These Claims?**
Here’s the twist: **DeepSeek’s co-founder, Liang Wenfeng, also founded High-Flyer**, a **quant hedge fund specializing in AI-driven trading**. This fund thrives on volatility—exactly what the DeepSeek announcement caused.
**The Connection**
1. **The Claim**: It directly undermined Nvidia’s AI dominance, leading to a **$600B market cap wipeout** in AI stocks.
2. **The Timing**: Nvidia and AI stocks were overbought. A well-timed announcement ensured maximum panic.
3. **The Incentive**: High-Flyer could have **shorted AI stocks before the news or bought them cheap after the crash**, profiting massively from the chaos.
Was this a planned move to manipulate the market for a huge trade? The connections are hard to ignore. **Genius strategy or shady market play?** Let’s discuss. | r/options | post | r/options | 2025-01-28 | Z0FBQUFBQm5teE5QbnV6VElrbE14aUlhQm16Z2FveEhyWURVMW5pZzdsWWViTUhwZFJsNlpNNmtrV2l0MFRoLVVseFp0bEZETVYtOGVUbzR0ZFVkRDNlelNkYjlPNVIzVHc9PQ== | Z0FBQUFBQm5teE5RdzdoR1pTNnQ3MTcxaVppMTV4QktXUmdZV3VCTkpzQzAxbHhaTUpEMDY2RUJycENKckJoY1hRN2VHWEN3blphZWItVE9EY2k0cE91d2dTWXZFM29wRkJaN0hqOXl5bkdwbC1BNklyNEVmb2MyYlJWamM5NklYNDdaYUMwWUE1bnB2NXdNcnBCdHdTZXkyVjV2MXZrWVJnVG9pcDR3R0tmcFZhQUdiVGt3VnpIYWtFNUU2aUlaZlRqNHNjTjVFM1l6 |
Total SIP: 29k
Investment horizon: 10-15 years
Risk appetite: moderate to high
Hi everyone!
Please tell me if I should stick to the below strategy.
Quant ELSS fund: 5k SIP, been going on since 2020
Motilal Oswal mid cap direct growth (started this month): SIP of 7200
Nippon small cap direct growth (started this month): SIP of 4800
In addition to these funds, I am planning to put 6k each in NIFTYBEES and NIFTYNEXT50.
I already have around 1l invested in NIFTYBEES. I did that in 2020. | r/mutualfunds | post | r/mutualfunds | 2025-01-28 | Z0FBQUFBQm5teE5QcHN5NHowZXlPMnRqZmxiNEhyLVpiUjBocW1jbFlPQjhWRUs2NlprWnhDaHNsaTVtUWQ5NktESDZFTWdxemp2dTN6MHZHTUhNWmhZSGpsaUg0a0NzUmc9PQ== | Z0FBQUFBQm5teE5RTzd0RjE4N2I3Z3Y0aFNGV2d1N1VMNTRPbnZaaUVZZXJSbVdHME9GTzNpbGtodXV5Y0xZdVh3eTMyX1lZaHpwRVVNbzl4cWNRcUh6eUFRUnZFSWwzYlBGUVRYLV9LZ2todWxvb0RIQVR6Y0t5NThBYU1vWXQwWHpoTWtwbHpxaWJ4Q0ZwRnh0cGFESHg2N19uOGc4eVpVY3I4ekktdjBWenk1Q0hyeVdSOXFnU3hjWDE2N3lCeGZtUFEyM2l5cFRQ |
2023? What use has it had since? And most importantly, why Filecoin price is tanking, like a cubesat burning in the atmosphere? | r/filecoin | comment | r/filecoin | 2025-01-28 | Z0FBQUFBQm5teE5QMXUta2ZmSkg5NGE5WTdJU1Q0Zkh4Q2tORjlxWktBMjRZY05CNkRqcjl3TW1uMVBmN3QzMzViM3NQaXNMZ3JPSGI4SmRKS2gzU1pEX2ZkTVp1ekEtT2c9PQ== | Z0FBQUFBQm5teE5RclRhME5mTldrMEtEczlRSkE5MFg5emlvLXp3X1h1dDhpa2NtcGJ5MlFKclVuTWxuT2diUFhiWmRjWXl4bHpUSEc1clpOMEhvNGlzcFJkSkZ5Tmxoc1psT3pJVktid1hlbEQ1TUVmQmdEWDFNeUtXVHpja3ZEWjBZc0F2RzZReXROMWxhT3l5QVZ0VktyUFJYNzZlMGFBZUFkTGJWcHhUcU1HNVk5eEhqSGU5TC0zRDFNMm9iVUF4NU9SVjlLZVFna2MySE10UDJHSjhzT2tQZHZ3cHUxZz09 |
i heard he's dutch | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QNS11TF81cFdYUUkzYXFYMTFHSTFSOGhSOGVlR1QxVVJzeENXOE8xX0dnWmk4em9nR1BVUzlmXzN6S0ZWRkx1bmlLLWJ0UjdXQVEwZWprcjY3OW5nQkE9PQ== | Z0FBQUFBQm5teE5RUFVEbjROZzNMWVpXZ3lpWDBrc3JKTnV4S1JYaUhLdWQxNlhDZ2xXSVRrcWFHbEpsV3E2Nk5od053MDRoXzFjeFFHZkxXMFF6SnlNU0hwUHRMNU9HRWgzSlRMN0x1ZzB0RllHOTlMTVl1MGFibm56LWJPZDJJa212SVFiQkhUUktXV2tDRDZKbXQxTXhENHBoTjNsbEROZzhzd1RGY3VxVEpRaUJkbFdVNkMyajNGREtLdVV0clVCeWNIeXlOeFB0aDlyRFgxVjUwcHBxNDc3T0FRWjlVQT09 |
What apps? And why is Filecoin price so loooowww? | r/filecoin | comment | r/filecoin | 2025-01-28 | Z0FBQUFBQm5teE5QNS01emFvOEFHRDBfQ2I5TkozZmZBM3ZMM1EzcUFPa1BkNmpmSWlsNmp5VnpIYWN5UHNHNjRQdVNrdzdPSXdvMVlEaDltSEtVUEFiUi1TQlprWmRmbWc9PQ== | Z0FBQUFBQm5teE5RRW5lZE9yUF9TR1R4UlRZRUtzd0hldGhTdkFodVA4NEV0OERWWDRPLVloNVFRbWM1b0JJdGFEYXRRYjJGVGl1MWdQY1lScWJXdlF2VHN0UHg2bnpFdUxmMG9Gc19qMFU2UWlXWjVVd09jaGhmdFJsbUlNUWF4dGRSRERFNk1RRklCc2wwelVMcXJ4anVQMUdtbXBSSGtUSDZHZ0ttZWJicmtmUldCX3dyVEVhbnBjWTVJUzBnYlJHZ2F1aDNXV0UyTGw3UzA2cTNYU3U3MnRPbTNWMnAtZz09 |
Hello, i just got an email 20 minutes that my borrower defense case from 2020 has been approved as part of a settlement case. The email came directly from the Department of Education.
My case still says pending on their site, but the email says a different story.
Can anyone advise me on this? Not sure if it's real | r/studentloans | post | r/StudentLoans | 2025-01-28 | Z0FBQUFBQm5teE5QMmJ1ZDB6UldSSFlKYmFabmlBajNPNExUUlRjSDRDd3h3M0dhbFhNUWducmxtc2ZQdmV6bmMzMjRlWE9INURJZlYxTzFRVjgxM3YycWZFMUZsa1BlX0E9PQ== | Z0FBQUFBQm5teE5ReENiM1REU1BHSVdBdG1nZTFZMEd5U2Z5OGpqRnBNMG9XOVhzSV82OFo0TG9qd3BpbXA4Z0tpWmMyN3ZhMkFRLWp1SHk3OGo0dnctcnRYOTNwX3dud085VUZETFhXeDRBOFZrUjdYMWpYNTI2a0lxODBUVEJFTW1CQ29YRFhfeUlpTVhkVy1fOHNXTGU3RjRuWVItTl9FeHZZaS1obDFkTGNYTWQ2WHJzN3F3cS1KdDN3T2wwQmFXYTFmX1h0WndD |
Sold by the Official Adidas eBay store! | r/frugalmalefashion | post | r/frugalmalefashion | 2025-01-28 | Z0FBQUFBQm5teE5QbElGQ25LWnJsdlpiRkZNZFdmajNmVDVtNU91emdVMFpxcFZKbnlVdjZmbXMwc1Q3aXRwM2VVTkU5ZjNPS2VzQWk3TWFkUFF3S2g3V0ZzMG55cm9MZEE9PQ== | Z0FBQUFBQm5teE5RRnp4Nk9rb09lUm52TlpWV3VvamhMZTIyS3dLSERua2NUNndFOFgwcWx2YVo5Skh2N2c1RjdjYVQxOGticFlCZVlDNnlJTGExNjNFX3pZNEZoMldITVJkMFJGZ25icWJYc2dFUUdzLU5rVDJaVFVLTW1YQ0NCbE04Uzk2bFhVeU56LWtQX2F3RUhiNlh4eXhOYmdyZkh2aGNoaENMemRaQzZWYWlCY0JPdDFsV0dTcDlnejJpTkpweTU3SVdzMGRJRnZuWWJ3M05HUWI3QVA0QkE0VWpXUT09 |
So WMT is probably the least volatile stock in the whole SP500. Which means the puts are very cheap.
Here is the rainbow ursid case:
\- Stock is up 2x in 2024 for no real reason and now at 40 PE
\- 80% of Walmart merchandise comes from China and will be impacted by tariffs
\- 25% of SNAP benefits are spent at Walmart and this is on the chopping block (on the table to be reduced / removed in reconciliation bill later)
It seems like policy headwinds and high valuations / low IV could be the perfect setup for a "larger than expected move" for WMT.
I bought the June20 80P for like $0.75c/contract. It was $80 only 3 months ago.. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QblZWQ3ZxOV96bGhYZThvdW84cU5WSFZob3hkUWJVQWN4UU5TYWtaWTQ2ejFUYjdJQklRS3AxU0tvR1MwcXNUOGx4Um5lT1lsQkhWUk42cUNKaHBwb3c9PQ== | Z0FBQUFBQm5teE5RTmhoYzVrYS1pdkxjWlJNRC1MYVBkLVNNbXJ4M0NoRmZPZUFvZ0V3MVNuWGd4S2R6NV9sSDBsdzZuM1U2WWlzTlF3cVNnUDlTQjl1ZFVkT3JxUk9RYlVZX3M3OFBib3BwbXQ3UzhkUXhrNEVJQ2RqWlZpRlVrTnZmd05xRkNYeDl6NF9rOC1GeUFaYnZYVWMySE96R09kU213c3o1UF9qWFAyd0liUkkzVjZOcDg3UlBFT3NyMFJNZG53bmNrRXRn |
What's the ROI of investing in San Jose Del Cabo, Mexico? | r/realestateinvesting | post | r/realestateinvesting | 2025-01-28 | Z0FBQUFBQm5teE5QY0xIQUF0Ump1VmoxeXR4NmlZQnppY2kzN2dFLWdMZzNoQkZVQm9TLWo5STNGb3NGY0NFMjA1WE14UnVkTHY0aFVuMndITWRDTEFqWDhJRWdIVjRzc1E9PQ== | Z0FBQUFBQm5teE5RRzdBWmFsQ0VBaGxpaWVLbkdMaVBDZDJVa1VwbTlKNnhrbVJvdUE0Szc1NUgyaUE5RWRDZGtRT0IxNU9vVXlUWkhSVF9ERUxER2tsWnhxazkxcUQ4OWZITkZ0N2tuU2gwSEFyb1NjNi1fSTRPbGkwc183OFNfa2U1UVpOVWtuN2N3Y0NaZWs1dDRkMk1nMHpXcDUxYjZZX0JQWTNzaGRlRVdGNm04MkNIVkVtTWlVVUgwM0o5UVpleXMwYXJZMEtpUGlLYk4xYWRqeVJnNEZUU3FiREJIdz09 |
I knows this has been asked before and many say to borrow so you can buy more properties. I get that, but prices and interest rates are so high that if I borrow I would be losing money every month.
I'm looking at a four unit property that is getting around $1250/unit rent and they are asking $750k. For the current owner they are paying \~$3k in maintenance, $5k in management, $4.8k in property taxes and $4.5k in insurance. I can get a 30 year loan for 6.5% but for investment property it is 7.5% and requires 25% down. So at the end of the year if there are no major repairs, my NOI is -$3.8k.
Should I just look at this as gaining an asset over the next 30 years and be happy with losing $3.8k each year? I know that in time the rent income will increase and this yearly loss should get less. I still have a full time job so I don't think I could manage the property myself, but in 1 year I hope to retire and at that time I might start doing that reduce expenses. | r/realestateinvesting | post | r/realestateinvesting | 2025-01-28 | Z0FBQUFBQm5teE5QcmlXTTIwbk8xQXBNNkFTMThWX2lVUXh3amRlT1lldS1jdWNOYXNBMTlBZzg1R3NRV1FQRjU2MU5qS2RtX3IxNEZxYUkzRklPczl4MHJQQWtXTHNaTEE9PQ== | Z0FBQUFBQm5teE5RTS1VdXhJeGFOUUFzOHVUeUFkUE5XdEIzaFVYS2pUSU9qNFpRYUtVaVZCNEEwMXduUkUxdHFkS0x5OE8wbGVqamZlaWN6VS1JcC1NbmJkNmxpT1BlZ0k0RnlJREhtdkI1S1NkV2UxeE11Z0J4YnYwX1E4aWh2NVM5X1VObzExdHBNX0lyZlYyTFdHODhYWGtkb29vWXdhSHVGZUpOVWt1UENBa3c2QWRabjJiRWFvaWszRzA5ZXJORHJfT284bnI0 |
Took this play off some experience using the software with my job as well as some basic TA for an entry. Waited to see if it bounced off 166-168 and it did, entered around 173, added the 3rd option at 177. Planned to hold through earnings but then Nancy pumped it up, orange man said tariffs for chips, and Powell speaks tomorrow so I’m sitting on this cash for now. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QODhudXprMGtfMmI4SXlucXN4a290TGlpMGxjWWJKQk9zX1FyMG94M1RxOHpzUDN1NTFtLTdfYnFVc3NkUW1HYi1wVFc2eXlqRGxiNVhxTFQ5YlR4V2J6OUhYMGtrTXphNC1nUF9ta0wxWUk9 | Z0FBQUFBQm5teE5RbFBPZ0hVdjU0X3RPZzNLYWVlS01QLVJWN2J6WEtFUjAwZ0x1blNyb1NoUXV1SXo3UDRiSUFvTFJETkVUOHAzSE1mTGJVcFRXcGdkNTlGbTlDNzByZ0x2bzFoWDBPcTd3WEdKb0JTSkVFMjJhcjI1aUdnNkU1dmJNWFNweVlYZmtCbEhJU1pfb3dBQ01RblhOa1hPMVJXZmsyWlEzRnBaRUh1enB5a2hwaVotX0I4c3I5SUFHV2stOF9RaGt4QVcwYVVaYkRVd1E5anE5bFRjRnduWnpRUT09 |
Bought 1.5m USD @117-119
200k calls 3/21/2025
When are we going back to 150? | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QeERlY254UVFtTmhjeHRST1VzRmRUVDdXSjc4Q3R0LURjbWdHRnhacVZIUTVDRU80NklETGk4TzlfSDVGdkhiZV92MkEwTk1WZmxHNUxzT2JmM3RpU0E9PQ== | Z0FBQUFBQm5teE5RaXBfUURYaXh3UkFpNEtMRm54ejRlUHIwWVFPN1VnUnIyS3hlU0dHX1JYZnN0Nmlyc3ZXZGRrMUNjSzZaU2Zldk9TRm93cC1vbTliQ0luTXN2WmQxempNOExRdzY5UjFtRlp4SXU3ZGEtMms4X3drTm5HQm1WTlVxaWtSQ280VVd3eVR5VTM4RlhPQnVid0drT3JJZXdXMkl6clFZNFhFNkFMcndzNllNV1Q1dkpBa3FSSjJXRkRwNnU3anlJdUV5 |
Sold AMD what a POS all
In on AVGO and NVIDIA | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QQWNORE1xZHY1eDVVSDVjR05hcGR2dUEyV1o1ZWttSFVnTlR2RlR6LUNRdzM4MzNROGFnTVE5MWwxYV96ak5zeGdJUXVtdE5TekRBYU9RNlo0YUhZR2c9PQ== | Z0FBQUFBQm5teE5Rd1FlYnd2NzZOTE5XdFlsVUtDYTV1WUhpTTI0ZmwwUExMVm44REY5XzlQeExOejdfbjYybXFUSXpVNHZFVE10YjRRN2N0X1JlSndBWmgyYjZwNjdOS3YtR1ZRMld6akdMUTRzME02QmVJaXdnOVdhd1B2RDdENllENDF0ZUtmX0JxNzZOQjJ5Z1VpTGRZMmxhYklsMGlqMHRaSlctS1UzLWV3MWlYbzJJdGwwS05lSkVkcFRiOWhCSHZTbDBrUDFH |
No idea what I’m doing. Any advice is much appreciated!
| r/stockmarket | post | r/StockMarket | 2025-01-28 | Z0FBQUFBQm5teE5QTlRYZDdEbzBBOXlTWmRxeWVwMVdKSHN6WUFpcEhVcnlkSklVVUZONWZYczJER2xRa0k1VDdUSEdDcGdxaTRDekVoT3NaQjRzeUo0VHlYS0thSDZQdjlEY3oyQ1NMdk5DVENrT1RtTGptWm89 | Z0FBQUFBQm5teE5RMEQ1ZWlrR3hUWmIzTG1nbUFRenJ0MGo1N2ladHlDVWhWeFhuVnNiNFcwdldCZjJTemtkOUNCM3NQcGxvTnI3VFVZYXd3V0hUZmtlUlpZN3o4V1NvS1hJaUJENldRQlM3Y21hbGhldTFiQjZBbUViRHdwZWN5bWFDU29lZVlWWmZYT0o4R2Q3U1BjbG1jUEg2OGlkalpzdXptZUZSQUg2VHJlcDRLOHlVYVVRPQ== |
Chart is made with the example of Riot, but the same pattern applies to almost all miners.
This chart’s intent is to clearly explain why investing in miners over spot Bitcoin is a huge mistake. And why the narrative that miners will at some point outperform Bitcoin is a fairy tale.
Please note that I said “investing” not trading. | r/bitcoin | post | r/Bitcoin | 2025-01-28 | Z0FBQUFBQm5teE5QOEotR05DR1l5dEtLZlJncDItY0VtaXVTOHJ1NGZwa0ozUDFEb1RCYld6OGp2YVhQSG45YVlXYkNWTTVzcmU4Z3pkVXpoRDdJcEJEUndhdDJFMDVFb2c9PQ== | Z0FBQUFBQm5teE5RLUY4Nk5aVmVnWDJvSW1lWHJyUDVLN1B0Mjllc1FMNzRfNHlWRkFwMUhleVdBUkJzeHA3MzRvUTdRTTU1NWF5dU1kNXU2STZJMlp4bDBvZ3hNV19SSUM0RG5ZbXo0TG5ScndIT3hydFh0Z3RpNF9vUDVySGU3NHBna1pUd1UzTGhzM19ZenRxSWhMaXc0NkloWVdRc0dpQzAtdEl6LU1EcjVabU80dHVaSThxV2VDczBJSDdaaDRRWkxZczdVd3Jf |
The Food and Drug Administration on Tuesday approved Novo Nordisk’s Ozempic for patients with chronic kidney disease and diabetes, expanding the use of the wildly popular injection in the U.S.
The drug is already widely used and covered to treat Type 2 diabetes. The FDA’s decision means Ozempic can now be used to reduce the risk of kidney disease worsening, kidney failure and death from cardiovascular disease in patients with both chronic kidney disease and diabetes.
The decision could transform how doctors treat patients with the condition, which involves a gradual loss of kidney function and is one of the leading causes of death in the U.S. Around 37 million American adults are living with chronic kidney disease, according to Novo Nordisk.
Diabetes is a key risk factor for kidney disease. Roughly 40% of Type 2 diabetes patients have the condition, which can cause additional sickness such as increased risk of cardiovascular problems and death, Novo Nordisk said.
“All chronic kidney disease is progressive. It’s a year-on-year, relentless decline in renal function,” Stephen Gough, Novo Nordisk’s global chief medical officer, said in an interview, referring to the kidney’s ability to filter waste from the blood.
He noted that when the condition progresses to the point of kidney failure — also known as end-stage kidney disease — patients require long-term dialysis treatments to remove waste from the blood, or a kidney transplant. Both are burdensome and death among patients with end-stage kidney disease is “very high,” particularly from cardiovascular disease, according to Gough.
The approval also demonstrates that a blockbuster class of diabetes and weight loss drugs called GLP-1s have significant health benefits beyond regulating blood sugar and suppressing appetite.
Ozempic reduced the risk of severe kidney outcomes — including kidney failure, reduction in kidney function, or death from kidney or heart causes — by 24% in diabetic patients with chronic kidney disease compared to a placebo, according to results of a late-stage trial that the approval was based on.
In patients who took Ozempic, kidney function declined more slowly, the risk of major cardiovascular events such as heart attack dropped 18% and the risk of death from any cause fell 20% compared with the placebo. Ozempic also cut the risk of cardiovascular-related deaths by 29%.
“We know that, unfortunately, cardiovascular disease and chronic kidney disease just go hand in hand,” Gough said.
He added that the major treatments patients typically receive when they have the earliest signs of chronic kidney disease aim to reduce cardiovascular risk factors by paying attention to blood pressure.
The rate of serious adverse side effects was 49.6% in patients who took Ozempic, lower than the 53.8% seen in the group that received a placebo. There was a slightly higher rate of discontinuations among Ozempic patients due to gastrointestinal side effects commonly seen with GLP-1s, such as nausea and vomiting.
EU regulators approved Ozempic for the same use in December.
The Danish company ended the phase three trial in October, a year earlier than expected, in response to positive results. At the time, Novo Nordisk’s announcement caused shares of kidney dialysis companies to plummet about 20% in a single day.
The trial, called FLOW, first started in 2019 and followed roughly 3,500 patients with diabetes and moderate to severe chronic kidney disease.
“From my point of view as a doctor, you don’t get [diabetes, obesity, chronic kidney disease and cardiovascular disease] in isolation,” Gough said. “These illnesses, unfortunately, co-segregate. They cluster within the same individuals. So if you have a medicine that can target each of these co-morbidities in one injection, then you’re addressing what really matters to the patient”
The approval comes after the Biden administration selected three of Novo Nordisk’s drugs with the active ingredient semaglutide for the second cycle of Medicare drug price negotiations. That includes Ozempic, its weight loss counterpart Wegovy and another diabetes treatment called Rybelsus.
The FDA’s decision also comes as Novo Nordisk faces increased competition from Eli Lilly and tries to win expanded insurance coverage for its separate weight loss injection Wegovy.
Last year, Wegovy won approval in the U.S. for slashing risk of major cardiovascular events such as heart attacks and strokes. Novo Nordisk is also studying Wegovy as a potential treatment for fatty liver disease.
Source: https://www.cnbc.com/2025/01/28/novo-nordisks-ozempic-wins-fda-approval-for-chronic-kidney-disease.html | r/stocks | post | r/stocks | 2025-01-28 | Z0FBQUFBQm5teE5QaHEyYkdMVU1pQ2hjdDNrOGU0dkx4RXEwcUtkME1JS3Y4YnJhaFliT3VRY2J0TjlUMjJQTGVpeW1CTi1hOUNhOTg0MGNmRVg0LWk2QTQ4aUdMYXB2T3c9PQ== | Z0FBQUFBQm5teE5Rek1kbEpEeWotSEVXYjQzS01UWmtjUXVXQmZ6V1JCTXoxM2VDdkV2cFJ2VHloRWRiazRfNlBzNlg0eTZMbnV2MG1UNVBMSlpLMkU1anlpUU9SRVNQWU5JNHhHc3Z4NTVybnU0ZWJEU1VESDdiTUVjNklzNFVkWS14Wk50d3YxUHptb0I1b0VaRFF2WlBvaDBsd3BtYm13TFRod0ZaM0dBM3BwVUVZUDZfSVlLcXF1Z0JHM0FieThGSHNQV2VXWllFaXNwU0M3YXNUZEktVVo3V01Td3Z1dz09 |
Hello!! Just would like others opinions, I have no one else to ask so be nice please lol.
I’m almost 29, my daughter is almost 9. I currently have it set up to withdraw $500 weekly into a savings account I have set up for her that is 3.5% apy. She has a separate savings that has roughly $2k with 2.5% interest. I’m considering putting all that money instead into Btc.
I want to grow money long term. There is still a lot I need to learn but hoping some of you with similar goals have better advice for this particular question? | r/bitcoin | post | r/Bitcoin | 2025-01-28 | Z0FBQUFBQm5teE5QRUNJelB4b3FfNHUybzZMWjlDUXhHOHVuWFk4dlpLQ0VLTnRlX2ZMcUpMRU1HOVBaeEphMjFqU3hRUm5vVmFpZy1DTnVCOW4wZ3VRbWxXUFRua29jTGc9PQ== | Z0FBQUFBQm5teE5RQnVrMV9VTF9mZ2RJaWgtUTJXWG5rN1BzQU5haHU4Qy00TzVWeHNkUWxPcFNPUGxxRmIwS2ZON055SVplR19TZHlSZWxGQmVLMzAtdHkwRnphYTl1T01ReHdlZkw0d1FyY2xlRHY4ZnR2bDQyVExScEU4RC1yR3ZjZWduZTdMUGtmeTZqN0VSZlljeW1hUUFoQk1zcC05WE5jMHJHZk4wbkZYNTAtZFc0RjBzdlZfbnhmcF9sYWZDUG1PUkQxd3BjdU1fdV9VNngyNWZiNkMyLUlhQWZEQT09 |
Core is async. DB, txpool and verification/randomx are dedicated threadpools. So it's using all the cores, that's why the threadripper was so fast and was actually bottlenecked by IO. For me personally, my test VM as using 17% CPU on all cores constantly. | r/monero | comment | r/Monero | 2025-01-28 | Z0FBQUFBQm5teE5QLVFXVW9NQkk4aWNLYzNYd2JVblNONlhlOUM1ZnB6Y0llZnpDaDFmN3Zidm9FeTh2ajJ0SWlsOUFuTVdCWXRLQnpwSFJna2xMeGpRZTdfV2o0MDhTYThMSV9sLVV1enhiTmxwQ0hXX2FVc289 | Z0FBQUFBQm5teE5RNHdGbnpzNExsYXNTUHB3M1d0WWt2VDd3ZWQ0RDlJaUtWSVk2Vm5hS1BVNDhQQXBlbEVPZTFtWExLdF9mcjJBMlAzaF83Uk1WZGRjRkF6SnIxS01WNGNTTFRUaDBuZ1BUWEFtaTNwWHYzc2xtWHA5b2hxYzRYdHU1UHhvZEFXWEZfU1Jkc0JIYW81QXF1aUdIYzQtR1lsNm9vNjV0Z1JUUGRHVmVMNG5IbS1QWl90S2RMVU9IQ3JPY0dwT3E4bzliSWY4VkNqOFNDbk9sOWc2SVNCSzhwUT09 |
the biggest misconception about the bitcoin blockchain is that it grows to infinity. It absolutely will not. The reason is very simple.
The miners are a for-profit business. They will look for any advantage - and shedding old transactions (SPENT UTXOs) that are buried under a 100,000 blocks - are useless.
Pragmatic miners and users understand that even if a chain has more work in it, PRACTICALLY no one will accept a chain that has been rolled back 100,000 blocks. So yeah, feel free to throw away spent utxos that are a year old.
Also feel free not to throw away - its up to you.
But in a competitive business, it pays to be pragmatic.
You of course keep the block hashes etc to make sure no funny business. but the individual transactions that contributed to the hashes are not necessary to keep around. | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QYkVHVHpZWjBjR09RNjNodFI3VjhYTnZ0cXBlRlB0ak01SHptYnpHY1dhOEZuemg3S3VZalFzZ3BmM3QtNXpTTjBORzFuSno0MTVPV1N5ZTBzOFpGZGc9PQ== | Z0FBQUFBQm5teE5RVXVXQllRRDVXV1A3SmpKQ21yMllxRnl0bHd0ZHRTRE9laFhTSm1wRWtqa2Z5MFd4MUJHd1hxR0FUWVNrNlZ0QzRhUDhCVHY1cTFabGxhanlxajQ2QzhPeXB0SFg3OTNBeTgtNXhxa2s1Q0RJTnBqTFhLM0UyUjBJcFZSMUxnNXNOMjdXZmtnWUluOFJqU2NvTWw1LXA1RWFGLU93eTk0RVFrQ2RydS1TNXdFZFFlSUdUU0Z5X19kVHFIZFNYUkg2bU00aXRrZ1lscWp4aFNlZ0ZmOHpHUT09 |
Looking for some advice, first I'll give the facts:
* Oklahoma
* Sold house in July 2023
* Just got an email about mediation with an early settlement program
* reason: "failure to disclose"
Appreciate all the advice! Thanks all! Removed all information in the post just to be safe.
EDIT: got a call back from a real estate lawyer - we'll see what they say!
EDIT 2: Just got off the phone with an attorney. He said in OK, mediation is required before suing and to "expect to get sued" at this point. He said they don't have a case and he wouldn't take the case, but somebody out there would. Encouraged me to go, don't spend money on an attorney, just to find out what they're saying I didn't disclose and to bring all the documents I have.
FINAL EDIT: Thanks everyone for the advice! Means a lot! Got a lot of information, but a lot of you are right in that there's some risk having this post up and the sellers finding something to nitpick on. I'll try to remember to update this once the mediation is done next week. Thanks again! | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QUXlPYS0yTlNzcF83cHdaRXBVZ0VFNGhHN1RUTHZoeWdnN3RBdG5NcDU5ZERxZzR3TXBka29zZWdJcVRLSmpWb0RtUmFIS1ZaM19nSUYzdW9aMUVteXc9PQ== | Z0FBQUFBQm5teE5RLThQZWh5SHcyOUdPR1AwUTZzTVYwRzZMbGhGZk93eldSY25ZZDN6aFFmYkd2eFR0SVBWVVVsYTdKQ2lVRVhsZjVWTXZzZlFwVnUwd3Z2bUdoMUNDbnJOTEg2Z1FVSmtocFk4Zk1tS0NBSmlCRFhFRVl2a2pBakU3dk51Qk5CODJ3Zm9GYXJxNE1MWGREMDVLeGg1T1ZrUWtacWNjeTVXSVgycDZ6QVQyY0lfM2VQbTItX1p1MHhqV09MX01PLXRTSXpLTlBYZG8wOXB6dTZMRjNoNENNUT09 |
>I thought that this crypto ETC was a spinoff off of ETH, and it should match right?
to be honest it's the opposite. eth is a fork of etc. it's a long story. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-28 | Z0FBQUFBQm5teE5QaktZT2NleDBiS2hTdmk1N2VibWtJQVZqMDJPZXFRT2czckV1eGpMWllvWFlxTExCcjdwQXByMDgyUldBa1ZiVTNmdU5fblFXUEcyOTdha1B1cTYxZ2tyUHl1QW96Mkx4YmxCQmR3ZC1yUE09 | Z0FBQUFBQm5teE5RY0tSTjNzMU9rWjlnUkctRkZrNlNKZjZtRFlESlgwaDBnSVVlZ2txRldQMFk5TVo5aVVFWUJhLVBSUG51bXZWV3k1RWRMSi1DVjVvVmlYMWlUTU5hN0V5Vm10REd6SFVpQlg2V3pWZnd3QklXRWNMVm5NeVRuLWFHaFUxY2tlTGg3NmQxdkpBa3JQNGdYRjAzbEhpaGxZdWVuS0pEeTZUQmkyYTJ1YTR6UmdIaGF6N1oyaXVGM0RIMzBrSTUzUTZP |
Risk: Moderate to high
Duration/horizon: looking to keep investing for 10-15 more years | r/mutualfunds | post | r/mutualfunds | 2025-01-28 | Z0FBQUFBQm5teE5QVzl4NlNoUElCOUVfb2thRmR2bjF0TG5taFBVaWJUYmJrYTFtMXBBMzZrMl9BQkljdE9SWGlTQzRndmVIY0MzTlJqMVlQQUsyWG1vM2dBb2NjZndvV0Q5RC1VbEpiaGZOVGZ0TFNsSHRpTzQ9 | Z0FBQUFBQm5teE5RNGxTQXMwUmYwMUoyYm1aVHlIYlZ2aDBFclN1SXVGT2JyLWRBQ1ZDYWZtOE84UFAwa3BKWmpra0NmaFdncTFPTFlYcWoycHZITnE3djRqVEtXOWk3U2I3cnZXNkVVMDljcDBYQ3Q4VWJzeUJfeXdjODNaMlRMbndnc2FMdTJuU1VYa2ZaQk9ZdDVXWGQ0ZXJNT1ppelZaWTdaR3l0ODBDQllLSjl5R3R6RDYwPQ== |
Obligatory Stripe is dog shit. Well, maybe not the entire product, but support often is! | r/stellar | comment | r/Stellar | 2025-01-28 | Z0FBQUFBQm5teE5QYWlzckszNlRySFZFQS1UR0xzNGFFcWZYM2RxQkNTN1pBT1VLRW56Wnh0ODkwWFBPcU44MGUwRnVEM3pWT0JiOHdmRDBUZ1pkZnZ6QVY5QVdheWJFakE9PQ== | Z0FBQUFBQm5teE5RMFpRX3YxX0lqRE8tM0RrQU9DaEl3b3FhTnZfakNULWFnampGNEgzZWdjRTZRdmhCb1AwX2FQMXdvT1F3TTc5V0txWnJ3NE5HVElsUWdtdTR2ZGF2SHhDWUlWa0hYLW1EU3NhRGg3OGJJejVYUC1fR1hxeVdQekt6NG1LVndydUtBdTFxeGp4b3pOcm9mb09HcDQ3RTRiaEZCblcxTFR2UTNSZXI2M24yNkpLWHh2NFBaVkJwSEZ1SG5QSk1pR1pR |
moving to another country (the US) in probably late 2025 if rump doesn't annihilate the country, current country where I live the limitations on owning USD is really horrible, they arrest youtubers, content creators freelancers for holding a few hundred dollars in their homes I've been withdrawing mine from the bank with no issues but its just a few thousand right now and I will be receiving much more in the future and I dont want to lose it and get arrested
the plan is I will save up all the money on Binance as USDT for a year from now, is it safe? will they close my account? | r/cryptocurrency | post | r/CryptoCurrency | 2025-01-28 | Z0FBQUFBQm5teE5QcGhVa3I2VjJYTXBlRVQ3T2M0RDdrSk1UY19RcEp1Y0oxMjBSMl9lRlBJMTNJY2Z5TUtzX0ZER0Zya1gzRkR4VzVHc2Ixa096cVdHZ3JXeTdQYzZDMGc9PQ== | Z0FBQUFBQm5teE5RTkIxOVl2ZXI3cjhrQzF2bFpHREh1YWxoTkZOMUN3dUwzQWZ1UTNDMmRzck5MZEFmMVc5d216NExkcFRvdEhPNWtzTTJMRFVfNVN3OEhicFVfeXRVMUJRTTRsTk53QkplWldkV1NSU0pHRG1ZUFlpTmJmZTROc0dldFdoeG0zYW55dzB3TlVnWmw3ZTJ1dEpwUHQtYlpyNnBYRG1aeHdoSElON3Q3bk1ad3pHTWJEZFJBbkgzdjgyVlkzMzlhQnZ1M2s2dF9qeEdEbHpZNWpnRGZkWVJhdz09 |
Hi I’m 28M, I am data scientist with around 6Y experience, currently make around 22Lpa remote job.
I’m new to investing, and from my early 20s (was not making much back then). I’ve been told to invest in gold by my family. I invest in gold chit funds with big jewellers like Joyalukkas, Bhima, etc. Got married 2 yrs back and my investment portfolio is skewed heavily towards gold and land.
I have close to 35L in physical gold, all through chit funds and around 15L in land. How should I reassign my investment portfolio going forward. Currently investing 75k per month monthly in chit fund, by December 2025 it would have turned into 9L (12 months investment period).
So I’m planning to change my strategy going next year. I have one year time to educate myself. How should I go about it?
Edit: I’m from India so L stands for Lakhs, all the figures are in rupees . In dollars it amounts to about 52k invested in gold alone | r/financialplanning | post | r/FinancialPlanning | 2025-01-28 | Z0FBQUFBQm5teE5QVEFNak9wRWM5VjR1U0dVbG50c0M5X3dtYXJkQjhJU195NWhLNTl6TWZrQzFjUU1xMkVLdmVmOXVQc2JVeTZGSjZNZzUtQW15M1doZmpsRjRraWMtX0E9PQ== | Z0FBQUFBQm5teE5RdURFSmk4aVNaYmprOFVXU1cxaU1sWlpPWjU3d1dueWJ4R25kZUdsR1dtUEdTQndyeXVpRVZQQjUwSXI5UUxFdjZQLVhJZEF4bTVITXpTQVU4ZHpGbDVRS1ZpSFVPeW13MVJtWVVzcE9QX1p2cVBXWEpJVWpSNDJJdlo4T3hKcE5KZXRDdC14aHZfam5naENjdHBHQVRfdmNVbW9mWWs3SVZTVGdOQ3hzbUo0VEpLU1JFdkJpR2oyaEpiaVlNYlh2bU5US3ZHOU41eGFHVnByeTdxak5YUT09 |
A friend of mine is selling his house. I am considering buying it for investment purposes. He has a very low rate, which I'd (obviously) want to keep if I purchase the house. I assume the mortgage would typically have to stay in his name to keep the rate, and that any assignment would be treated as a refi or similar.
Is there typically a way to keep the mortgage as is in either of the following circumstances:
1. I fully buy him out
2. He stays in as a 50/50 partner
TIA! | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QOTltbzBKb0twdEUxUWY3QVNjTkhwNlJqZ1hram43azBHelZkWHhXOWlkdkdoSnU2QmZaVHFvRk0yZmxEUGY0U0JqN3BONk5jekpnVnNLWUxQZ21QajNPU2NEcUFmVW9jQm5yTDBzYUU2RDQ9 | Z0FBQUFBQm5teE5RZlBhME1SUXNKd2hTT0g2YXM2a0ZPYzdNZWdKa2tHd0VxUldldmpFaVczcVkySUZpQWRNQl9rYXN0ZF9fQVpRenVpek56QjNRdHVvWm1LMVlGdDZpY21MX0UxbkVBNVN1OXBiZk56M2ZSbmZwekxYUUt4S1pvQ3ZUellISTBteHhxWUlYSW9UamNieGVQdVNwdHN6bFlCVjB5YzVVOUNkYTRWbEpkUGcyWFctMXZZMlBBbzNKRkhwTjNUdjdDNC01 |
A friend of mine is selling his house. I am considering buying it for investment purposes. He has a very low rate, which I'd (obviously) want to keep if I purchase the house. I assume the mortgage would typically have to stay in his name to keep the rate, and that any assignment would be treated as a refi or similar.
Is there typically a way to keep the mortgage as is in either of the following circumstances:
1. I fully buy him out
2. He stays in as a 50/50 partner
TIA! | r/realestateinvesting | post | r/realestateinvesting | 2025-01-28 | Z0FBQUFBQm5teE5QVjlNUTZpSDlFVjFGRk9LOVdVc0tYbFF1Q09vMFNrX2otMDRuZEdXM2F4TktoZ2hMM0RreVFJUl9QblMxbHh3WW9abWVUUWNXLW1rUE9iX3JoUFhfVkhHNmdjZDhzd2JIbXhIUmJvM3Z0RWM9 | Z0FBQUFBQm5teE5RWEoxU1d2WXRSVFpQdmtUMFZMT0RoblZOTGkxb0M0Z3E2VjZhbHNleC1QVUM4VG9XQTluUlFsMU43bjA0NGsyMzE0X2V3TVI3RkxoUTE0X29OUzAxMmxiOGxhQ05mc3dWMXhKS21DSDZlSUdEdU9oeHpDUHRScVNiRnRhNkdYLXZZbmMxSHpobkNpTFBObjVaUnI5SlJBN2VLWUlNZVM0X2tOLVRDLVZfM01VemlGbUhoRllwVGpQb3VkamQ4aW51eVNZVDQ4VWNSVlQ1emVQOEtoU25ZUT09 |
ello options friends! I’d like to share the analysis of META and its potential to rise more than 7% tomorrow, taking into account the seasonality of the last 5 years. Here we go!
For this analysis, I used the prompt 'How many times has META moved above or below more than 7% in a single day over the last 5 years?'
In the last 5 years, META has risen more than 7% in a single day a total of 15 times and has dropped 10 times. Considering the total number of days over 5 years, the probability of it rising is 1.15%, and the probability of it dropping is 0.77%, with the highest price during this period being $632.17 and the lowest reached being $88.57.
The most curious thing is that it has never risen more than 7% in January.
Below are the specific days when it moved up or down more than 7%, as shown in the META price chart.
Then, could we say that considering the seasonality, META might not rise 7%? What do you think?
https://preview.redd.it/i085kfzufsfe1.png?width=1753&format=png&auto=webp&s=071f9587411d242edaba324d28c1c9f38fbdc35e
https://preview.redd.it/zgygwo8xfsfe1.png?width=1751&format=png&auto=webp&s=9c4de5f9016f527fb19899838e5e617fb57750ed
https://preview.redd.it/fna2eancgsfe1.png?width=1747&format=png&auto=webp&s=243e4f0ed412ada284ac393a09c2573c8e06bc93
https://preview.redd.it/nbe16dpegsfe1.png?width=1738&format=png&auto=webp&s=1f40e207afb96cca20836b6806cd526d2778c8d0
https://preview.redd.it/3zyz7xekgsfe1.png?width=1516&format=png&auto=webp&s=2a2079e38da58d4ffb6e9978c845b23ae4043914
https://preview.redd.it/f49gi2pmgsfe1.png?width=1286&format=png&auto=webp&s=f65903d182ee9696ea0afcfb452e640e05b31e41
| r/options | post | r/options | 2025-01-28 | Z0FBQUFBQm5teE5QQ0lSdGY5TzRXSVE0QkxsZjJiWW5sbjdLYk1Ob3ktQjFHb0NLcnJ0dG9VQ1U1QjV4VnV3aThiRFIxUkhyc01kZ1hTSVMxTEdndlo1SzVENVVGMnRzOXc9PQ== | Z0FBQUFBQm5teE5RYkFrQ0taT3NrbkVITW9md24yOFpvaVNROVRxa19TR01Pd3pmTE1oeER5NV9memo2UEUtM1ZXaTRTczFxTTVLaHZ0TjRTdmh2OERCdUJKdDY5U1R3UEtaczZXSDNQLV9fTk5FcW5lcWVCa0hwVVN2Yl81NVpSR21ST0ZvMUZoYnlyTEFDbllESUlQbzJGUXZRSDNSbUhtYTY0ZnBGWjR2NTZIRVhYMFhMQTFOb2lyRWkzdG1pX3p4a04teEptVjNx |
* Canary Capital: [https://www.sec.gov/Archives/edgar/data/2039461/000199937124013330/litecoin-s1\_101524.htm](https://www.sec.gov/Archives/edgar/data/2039461/000199937124013330/litecoin-s1_101524.htm)
* Grayscale Investments: [https://www.sec.gov/Archives/edgar/data/1732406/000156459021054763/ltcn-10q\_20210930.htm](https://www.sec.gov/Archives/edgar/data/1732406/000156459021054763/ltcn-10q_20210930.htm)
* CoinShares: [https://www.sec.gov/Archives/edgar/data/2048623/000121390025006536/ea0228575-s1\_coinshares.htm](https://www.sec.gov/Archives/edgar/data/2048623/000121390025006536/ea0228575-s1_coinshares.htm)
* Tuttle Capital - [https://www.sec.gov/Archives/edgar/data/1771146/000199937125000689/crypto-485apos\_012725.htm](https://www.sec.gov/Archives/edgar/data/1771146/000199937125000689/crypto-485apos_012725.htm)
* Monochrome Litecoin ETF | r/cryptocurrency | post | r/CryptoCurrency | 2025-01-28 | Z0FBQUFBQm5teE5QNi0zZm9HeXVRcUc4M283R2Fpa0FueUpTejVLeGhYVldJdEVaTVR3d3VCaDRrb3piWGM1RjBzZE1kUWFMN2JhTmZyWUJIU2h4WTBsRlplVUsxeXNRN1E9PQ== | Z0FBQUFBQm5teE5RYVVpdVV6ZWtzaWg2RHdaNXVPSVdVc3FFdnV0Sm9hX3hKU1RNVFBBdFJVVV8xN18zMDRIVlBGQWlFTVB6YkZWX19GdWdBbW53Sm5Fd055Sm9UNzNuM0trWGZCTWt1XzJpNTFFcmVucVBaSkR5ZDMwejNxbG93emtOdThucVc3a09KTmROdDhIWGlwX0U2MFNqeUtkdU5BMW94Qjd3LW0wMDBEeFVhejI0NWZ0dlhuOFdGUWJ3VVZyazlSX1ZXX3IzaWNuVkxRbDdOSkJPRm1SdU5hQjFydz09 |
Wasn't this put on hold indefinitely? | r/celo | comment | r/celo | 2025-01-28 | Z0FBQUFBQm5teE5QM3VIczhpclBkejJELTQtOVF6enBpbVlVbmVldUFJaDlMQ25HWm45M05KVDdwS2tncE9vTURQZzctLTg5QW1wNHg3UnQyZS1IUlRGdk54RF8zVVhOXzIyVVkyX2Z5LUh2SEVMTjBURHRZRE09 | Z0FBQUFBQm5teE5RVzFkWEdRTFpsZ2d2SHBlcWJUQ0xxTnlhTVZNeDVzUTFoQ3VXdm9YMkFlSmtJcXBXS3FfeHhabFBBRk9teXZJQUJtcWJZMUtEcmRidkp3VUhHS09wSURBVkNBQ2ljSjNEVVdzX3g3YVRocWszQVRCVmdUcFJSZVBudnRwWEg5ZU4zcmVyMXBIaTFKMWtJWnIyVWc5OURnRXlKNU9ZVDdIR1YzVllfa1UxUDFKY0JQaTNqcGxrZm1INkYzNFJkVUw2cGlkYURGVXNiZ1BfSkt3TkwxZFo3dz09 |
WE ARE THE CULT | r/altcoin | comment | r/altcoin | 2025-01-28 | Z0FBQUFBQm5teE5QUGdqUTRGM2g1Q2RVbUU3dnotdjAzaEtEWFJJQ25KNG5QbkJ6QlFoV29BZ1RyMl8yTENxcWhuQ01TRndWWnZBM1NkaWVpbVdROVJKXzRmWEV3czVwaExFTlFGRFd2dFdIRkVFNlhfeE8xMUE9 | Z0FBQUFBQm5teE5Ra0VLSlpoU2x5TXRjMDJlUGFubkd0QnV0SXdIX21MVjVCVjluM2Q2SmF4eHhqUmFSdFJQd3lhcTR0aHVfTm5SWXhUbnVCTV9RTUdIcV9jQi1vVWd0SnpWMGtqZ0RyVnByNVFNV2lESUF1VW5TLXJNcnFnVU9UWWdLbm1GQ0lGaS05SEMzeTBBNUcwOHh4YXBEbHJzYmxocXdoaUtaRlpta0JubXNfemRMWm10WE92QmZxWWhPUjR3bnljQnQwRXZWazB3dzVjNXNHR1lKbGN3UWxRX1RLdz09 |
Is it a bad idea to use robinhood for my BTC wallet? I am just getting started so i have very little | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-28 | Z0FBQUFBQm5teE5QUFdwclJHblNFaW9Nb09INzE3end4Nmk5V2JDZWI2bTBDN3FFbThOZHgtUjA1Z0N5ZjBjRXZBZmNNalJPejlOZ2t3akJLaWRucjZWWUE2ZENqdnE2TkJzNEh2VVQ2N3R5dzNiWlV5ZnY4NEk9 | Z0FBQUFBQm5teE5RTG8zRGtJeXFIZ2JmUDNZdmROcHBCaWhmNGJ5VlZZcUY5YjJzbDdNLXZidDNvTTdKOXdGS0ctOC0tNFpVU3VTVlNiS3NSdXZRYWFJXzNwaVBVYkdTX0VreUtMYlh5aUlxVUNoNTVySkF3UTVfalU0TXZBblFmemtodEQ2bWlGc2hqV2VSZTBLdWhQX25zQjBlQ0JfdlY5RDQ1Qlh6bWZNLXZBRUhDWnFvREZVPQ== |
Thought today’s markets where going to be jorrible because of the stock market losing money yesterday but it still turned out the way i wanted
Also im going to carry on documenting trades on here including losing ones as people like to be quite critical about them and i think that’s what i need most in this journey. | r/forex | post | r/Forex | 2025-01-28 | Z0FBQUFBQm5teE5QU1VnQlhEYmRSZTVWYTBidUlHVkJCSHZNWkJxWnlXSXpLRjlHd0ZTclgwQWFiR2J4eVpqUTZ5MVNWWTktaElYb1kyZ2l4bDVzeHlhVTFxN09WMTJPemJySEhDRFN6djJ2WVhTSVotQk85VXc9 | Z0FBQUFBQm5teE5RMUtwNkFtWHFnRmwwdTUwb3ZVNGdmWTJPNHZPMUFXWUQtdF9yS0NJUGE2aTdULTcyTDVEVGNxNENsb0JvS2xjR25NMWhNb2xfMF9xNUJKcWdfaC1aYnpNNXU4ZzljM2NNaTJNeWJ5UWlTU3hGWjhPcTBoZ1pkdEZTdWtJU3dDLXZwUXVZZmprbmc3UlJEUHlFNFJtTDVmb05vVzQ4cXMwZ1RsWTB1UHEwUXFvPQ== |
I don't want to "tinker" a ton or "day trade" etc. My IRA is all $VFIAX and it feels simple and good. However my current 401a/403b feels like a mess because I don't know what it entails exactly. [Please see this image](https://imgur.com/a/RuIR1HB), on the LEFT is my current portfolio/asset allocation. On the RIGHT is what I'm thinking about doing (60% VNIX and 40% TDF 2055).
I have no idea what to do. Of note half my 401a/403b is already in TDF 2055. So I'm almost wondering if I go 100% VNIX?
Please weigh in. | r/etfs | post | r/ETFs | 2025-01-28 | Z0FBQUFBQm5teE5QZXlUWGV2YUtfS0V3QlNSTlA0bmVTX3BDVHg1OEpqWmZiS2FKUUpjWFBUQm12SlZSZ1ZCX0VGRWVFc2tmb2h1eFppelFPVXpzc1NPMTB1a2NLRWNKUWc9PQ== | Z0FBQUFBQm5teE5Rdjdycm5NdXRwUHFkckxHaUJtNVFGSzVmejJPTDNwckNib0FFMVVpWnk5QW9sS2xwSzgxbE5SVkdMNlpVZUtHZEJDZDJ5NjlYMVpiUXNmd0ZieWtlR1pwQm5Fa3h1Y3g2eVZYN3RDUXh5bF9jaUZYN3RRWTZZSHdKVklSSVRRb1JneTJCN2pUREszaF9BbG5YcGZWXzg2eXdDU0NtN25WRE1wOXVQdy1nbllpMTg1bFlhS293bWNUZ1I4ZC1td1V4 |
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