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People that use Monero will not use anything else. Bitcoin cash? Please. Litecoin is superior. | r/monero | comment | r/Monero | 2025-01-28 | Z0FBQUFBQm5teE5QTEtSaktJVUlaZy1SZndzWWJ1bHpsbExwUjBHdGJMRkRFTnRzUkRIWVJmQ0RGN0JJNXpQVVlFbTMzVmd0djYzVnM3TlpfNG5fTDJMMUF3SmxNNXpJOWlybVgyMWpyOUlYcHBnWHN1NGF3cU09 | Z0FBQUFBQm5teE5RQy1nbHBKZzBURGptc0ZNbmpoLWg2VkFuWHpaSjBaYWl2WGlmRE82QTdidmRfWmxqeFlpSHJnRklWWUh3V3dVMGhSQndiWVJMX19FZWZqWUZyQmNjRGU0UVVmUEhxbkF4eE1iT1kxTl9XY3BkN3V3WktGT056ZTFRTW1CZGQwYW9zUkZEWGozZXo4T1JaTERfMUVqbnkzaGUtQzBWWXVUQU1IVjRqYW1pSTNMVC05N2hGcjlncU5Uc2tTejA2dENDejRZeVBWLURJeUlvSEpPaU1UY2owZz09 |
What is the most risky on an uncovered option? I've got about 3k in capital that I'm willing to leverage to start with. I did a day trade on KMX and grabbed a tiny profit on a buy call. I'm more interested in sell puts bc that is what I've been studying. But it sounds like buy calls are more profitable. Appreciate the help! | r/options | post | r/options | 2025-01-28 | Z0FBQUFBQm5teE5QemFpQzdQWWQ5WllkQTRDVXlkNy00REhPdmhvcnVLNVpkSlR2ampSWlJBUUQwdmlOa2JOM3hHNzlkSFB5ZXlRcW4zYkJuY29CWW5CbGdSbDRialBReUE9PQ== | Z0FBQUFBQm5teE5RUmhNVUZpLTdrR1Fxa3owR19xc0wtZjhDeUhrM3J5bG5PN0JNN3hGTjFBRXdXSXBlYjRPZWI3d18tNWpzNjNDdXRnMjI3TWVCN2RaMXVLbGRmSTVGcVZHdDJJSklMTXVqWlYwLWtnWmZNRUFsYVk3ZWlYcjlfVEc0ei1mbXBxb1ktWW1XWDJ3LUFZOUdkem9mU0VyS3V0UWthTmlwNXd5ODdNV2RyTlBJb0NzPQ== |
I'm working on a platform for SMBs to automate workflows using AI. I'm considering two options:
1. The customer can request what they want done and the platforms builds a custom app or automation, requesting any necessary information in the process
2. The customer can have an AI Employee join their team, and then delegate any tasks as and when they come up.
Which option would you prefer as a business owner? If it's AI Employee, would you prefer to work with a single AI Employee that can handle any task, or would you want different AI Employees for different tasks like marketing or scheduling? | r/business | post | r/business | 2025-01-28 | Z0FBQUFBQm5teE5QeUtJaVhJZTVETU5FVklvb2JNTWt3Q2VQSkk5c2x6OUZZbWtjRk9vRFV6SXRDMGtjUkl6ZkRsa1d4RGY2SDBFcHZmbEhtUjg4ZkhJRk5rOTFjVEM0eXc9PQ== | Z0FBQUFBQm5teE5RbXNkTVhGVlZzOUFqaDZ3R1pyc19nOElZNVhmeVVPTkNwOE5MbC1IRzBOQUhNTG1CVGFKTURYeEk2ZXhMdGZPUzdWR19vV0wzcURYdkx4eWJuNXN1Y2lzdUxhWm05NW42Rmp0WHM5a09aYnQ3TVIxX2FubHh1VlBjQnFxOHVRVUp0WUd2V0RZSXltSnhvRUJfMVE5dVZlNlpxSVo0RWY2WGdvel9hTHhSVTIyX2h3Y21SNkF6cTNkNWlCTDkzamRk |
Just curious if any differences or pros or cons that you guys notice? What do you guys use? | r/fire | post | r/Fire | 2025-01-28 | Z0FBQUFBQm5teE5QZlFUaC11UW4yY29CZF9mOGNvMVRDV1ZXUS1zbTJjTTVxYk1mNXFJbjFmZXFEazVTbWtscTYwZHc1WkNEbVFtSi1oYUJtQlVyYmNOYm5VbHBxdllGbnc9PQ== | Z0FBQUFBQm5teE5RWldwZWRXSjFmbmwzQnJwWnFndHBkRHBHUmg5eXpUeDBDVGFaSVdpcXVfQlNRbTBBWnBzWWxUWTJ4azRPNW1KWkQ3NjNOX3R0TXhwdEhmOXRPSXVPSEFTdGhmQ3pzaU5JWkxEYWdxMkI3V1M5eHBuOVBsYzloenRQaUtPYXFvR0x0Wk02SHJ5LTZJdk9qZWY3XzhXanJnPT0= |
Hey everyone,
I’ve been diving into different low-cap projects recently, and I think I’ve found one that’s massively overlooked but has the potential to dominate a niche market - $COINE. It’s sitting around a 100k market cap right now, which feels insane given the real utility it offers. Let me break down why I think this could be a solid long-term play.
**The Problem It Solves**
If you’ve been in the crypto space for a while, you know that first impressions matter. A great token concept can mean nothing if the project looks unprofessional. Unfortunately, most token founders don’t have the time, resources, or technical expertise to build a good-looking website.
This is where $COINE steps in—it’s an AI-powered, no-code website builder designed specifically for memecoins and crypto tokens. Essentially, it’s the Wix or Squarespace of Web3, but tailored for the crypto industry. Anyone can launch a sleek, professional token website in seconds with Coine, and that’s a game-changer.
**Why I Think $COINE Is a Strong Bet**
1. **The Market Potential is Insane**
- Over 70,000 tokens are launched daily just on platforms like Pump.fun.
- Many of these projects need websites but don’t have the technical know-how to build one.
- The memecoin market is booming, with celebrities, influencers, and crypto enthusiasts all jumping in. $COINE is positioning itself perfectly to cater to this explosive growth.
2. **Token Utility Drives Real Demand**
- $COINE will be the exclusive payment method to unlock premium features on the platform—think advanced templates, minting, widgets, and integrations.
- The token has a fixed supply of 1 billion, meaning no inflation or future dilution.
- The devs plan to burn tokens at certain milestone events, which could reduce the supply and increase scarcity.
3. **Revenue-Driven Model for Price Stability**
- Unlike many tokens that rely purely on hype, Coine has revenue streams.
- 25% of all platform revenue is reinvested into liquidity, ensuring price stability and steady growth.
- This kind of sustainable tokenomics is rare in crypto, making it a more attractive long-term hold.
4. **A Dev That’s Actually Building**
- One of the biggest green flags for me is the dedicated dev behind this project.
- He’s consistently shipping updates and engaging with the community.
- The roadmap is ambitious, but progress is being made fast, with transparency at the core.
**What’s Next for $COINE?**
The roadmap looks exciting, and here are some key milestones I’m watching closely:
**Phase 1 (Complete)**
- Launch of free and premium website builder features
- Referral program to encourage adoption
- A growing library of token-specific website templates
**Phase 2 (Current)**
- AI-driven website creation: Instant, fully personalized sites based on simple prompts and an AI Agent to help you design your website
- Integration with token launch platforms (Pump.fun, Moonshot, etc.) to create sites as tokens are minted
- More customization tools: forms, countdown timers, airdrop features, widgets++
**Phase 3 (Community-Driven)**
- Expansion of governance features to let holders vote on new tools
- Potential expansion into broader Web3 services beyond memecoins
**Why I Think It’s Still Undervalued**
A lot of projects in crypto get massive hype with zero real-world use cases. $COINE, on the other hand, already has a working product and is solving a tangible problem in the crypto world. Yet, it’s still around a 100k market cap.
I think once word gets out, this could see serious adoption, especially with the special features like AI-driven customization and deeper integration with token launch platforms.
**How to Get Involved**
If you’re curious and want to check out $COINE for yourself:
1. **Visit the website:** https://www.coine.io
2. **Join the TG community:** @CoineIO (great place to see dev updates firsthand)
3. **Contract Address(CA):** 3gNjMbdpnLDXNsTPYBA7xvvk6W5NQ8XQyEzkTgZcpump
4. **Try it yourself:** You can build a free token website without even signing up!
**Final Thoughts**
At the end of the day, I think $COINE is one of the most unique and overlooked plays in the crypto space right now. With its focus on real-world utility, sustainable tokenomics, and a massive addressable market, it has all the ingredients for long-term success.
Of course, do your own research, but I’m personally excited to see where this goes. Would love to hear your thoughts—anyone else watching $COINE?
| r/cryptomoonshots | post | r/CryptoMoonShots | 2025-01-28 | Z0FBQUFBQm5teE5QY2FMTTN5U0U1WUZiSm9jTlB4cHEtUkZVYnZSZlVrMEpqN3FOc29zUmhIZDZJMU9FZzlhb1JDYXI1eTQwbzBiVktsQWV1VkYxNnBodWlpUmRMSWxWbGZtd0VURmlwU25EQU9ZZmNMamlnT009 | Z0FBQUFBQm5teE5RYmJIZmQ0WldTd1BJclUyYjJSNGlVNHBPMG1pR3BrTG56YnBTQk1BXzJDNkFxNVE0cy1ZOEZDWDY0UGRoTG5EZ3laNUp1MUs2ek9fX21GR3lIWUdXVFdLeFk1QXp5aDVaalp6TFRvc1hkdHVERkxfSDZnQy1QOEQ1QWhEVGJNQi1PdmtCM0hwWkRWQ2xxYmNjcjBDZVI4TFBGRi05VEM1Q2tfak5UYVFFOThWbVhNYzBDdGZCd0VHSGphR3RyV1BxNmZ2dHN1S19jaUJmS1RKNTNST2s4dz09 |
[source](https://x.com/Cointelegraph/status/1884300583357628598?t=XUCbXAT1Q8_Z1bYE5NzeJg&s=19) | r/cryptocurrency | post | r/CryptoCurrency | 2025-01-28 | Z0FBQUFBQm5teE5QUEdxTFpQMWU0ZS1Vb2k5aGNwcDlRcFhWUTR3cjRsZy1DSzNaUnlfMFNhUkVFZXlQVGxDdTFxTDNrQ1F0Wl8xQWFXOU9Ea2tmd09YcmxicUJjVUk3aEE9PQ== | Z0FBQUFBQm5teE5RVzl5SWE4SVVTdUlsc0ZnbkRzR3J4aGZrMi1OaDB2aTNYOE9DTWE5dEMzY3o2TzEyUC1xQm5FaEh4dnFHOHc2OG5FeWRzb2o2WDdEYW1lcGoyUGdMWTYxbFNZN2h3WTFUT24zT0x6bTdKSnpFTVZiOTFXSnJ2RTVEWk5PV2tEUFB5bkJfTGZiUERyaXFPLVJFUDBkTUtOOGJrbmVOcElWR3MteTd4Y3hKX09HZUx5U21jbXVIXzBJRFBXc0JRMDg2MWRSS25XeDJGRmFyN3JrVTg5djlHUT09 |
Hello,
I have created a working trading bot. I am looking to collaborate with someone in the community who has a successful strategy and is looking to automate their strategy. | r/solana | post | r/solana | 2025-01-28 | Z0FBQUFBQm5teE5QLTJDWDBvdTFZNV9BVmpBLW5ZZUJtOEtKTUlpMENLSF9fWDctZDVzcV9DMU1nSHpUeVh6QkZfYU5sWmpKdE96S0VsZnVUN0doWlpENWZrN0ItQlZ6RWc9PQ== | Z0FBQUFBQm5teE5RdnJNZmVIamtzMVBxNFhURlI3Z1hQVDFxUk1FLTI3UDE3RjFXWDNCQU9ZSzlDSldQUTNaR3FCa3k2Njh5TDByc1pJTkNOME5nRzR6dGlCekwta2prMUdONDQ1c3Y5bEVQZVdRbFpyZ3lUeVZrY1Z2bW1RWjlIOWNQaThqc09mRkdzWGpKeEtwNndzSmVIMXNZLUdZZGN4Rzdtbnh2OHBYelRhSG0xZ2JLMkNZM0JZNTlYMkhkdXktcnNIbWdzSWU5 |
New monthly payer. If you’re a fan of NEOS funds. | r/dividends | post | r/dividends | 2025-01-28 | Z0FBQUFBQm5teE5QS2p0RTlXRHF1SDBid3pBcGl5c3lOMHYxSUJWN0Y1c2drVnY1T0tiN2VzS0dpeGJDVmh1Q3FHcnFISVRXRTRteXFySDRWOTlzeHM1QkdKSW9oTGtlYzNlTVVrc2JIdnRwRWthOHBFY3Y3Rnc9 | Z0FBQUFBQm5teE5RVGFYNTFhQW9ZNDMxT2pTOGJYNVlFaDZXMEhfZEUycjRNWXotX0hKc0Z4SjRaeV9yRFlHQkFnZEFfQ3BXT0NzQ2ZvRXR1Z3hFa2VkMkUxaTh5SlJzeHJrMGx3b0d6dlJGYnRGaUEwNUZyOFlYekdlc0N5SzVPdXNmVkREWEh4U1gtSkRYdHFlLWRPd1d0dWYwbnF3MnVXS2RneGV5b1llUUtiNVJ2Y2sweVlzQVBnU1d6aFYxWW92b3BLanVLQlVzci1XYVR1S2tiZXpmN2htNVpRbVhBZz09 |
First of all, I just want to make it clear that I am not trying to brag. I understand how privileged I am to be in such a position, and I’m really just looking for some advice on how to use this money to achieve my dream lifestyle and a timeline of how to go about it.
After the passing of my father and some luck in crypto, I’ve found myself with about $275k at 21 years old. The breakdown is currently as follows:
- $200k in Fidelity brokerage account with 70% in FSKAX and 30% in FTIHX
- $50k in crypto fully in XRP
- $10k in silver bullion
- $15k in a HYSA
I also just graduated college and have a job lined up earning me $115k/year in a MCOL area, with the ability to invest an additional ~3k/month.
I know that I am in a great position to set myself up for an early retirement if I just keep living my life as is right now, but I have such a strong desire to go travel the world long term and get out of this job.
My job isn’t bad, it’s medium stress, hybrid, pretty interesting work, and only around 40 hours a week. But still, I know that this is not something I want to do long term full time.
What would you do if you were in my position? I know that I am still young and have my whole life ahead of me. I’m fine with staying at this job and saving up more money to eventually escape this lifestyle, but I also don’t want to get complacent and put my dreams on hold forever. Thank you in advance for any advice given.
I also have US & EU citizenship if that is important. | r/fire | post | r/Fire | 2025-01-28 | Z0FBQUFBQm5teE5QM0ZyaVFWYUpXVlJtM1ZidmhSaFhJNEl2VHh3SXdDczFGb1VfSURIb1hTcEtCX2pJS3hldTh2TU9teVlKWlRSSV96UlNOWXQ3bXdGQnM4NUF1b2FfWVFjV3I2MHZBdE9lSE9SdDVBUU5OYTg9 | Z0FBQUFBQm5teE5RWklHVXBXcGl3dDdTOVptT2lJbkJXc0k5amhWV04xV1J2RkN2X0ZWSzAybl84VGhGeXMycjJSQXRHLU1Wdllva01XTThrTDQyWkxMbnB4MEJXZDVvMFRNOWVRVHlwV0dMNzRPdmxLanM3SWs0V0hYc3NIRE9nQUdtZkhXN0dkQUY5Um5vdUlmZEdHXzVGTFYxQXB2R2FMUkd6aXpuZnl3bkVxTjcyeUdDT0JtMWI0aXByRXVFNUhhM1prUzhRbkN4 |
My husband and I have been dreaming of buying our own house for years. We almost did right before prices skyrocketed during COVID, but missed the boat and had to keep saving to keep up with costs. Now we feel like we could buy again, but things seem so volatile right now. I'm scared if I don't buy, it'll be like Covid all over again and I'll never get the chance because the price of housing is going to go up from all the tariffs being proposed. But I'm also scared to do it in case the market crashes. | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QZ3FEUzVXdVBTTWVScHBDRmE5Sm5WQm9QcEFOanVPeC1CVTkwU3Z1bkl6eG42d3hudndjbUE2V2ZXNm8wX2p0RUg4bG1Hb0JXUlFpVV9udUFEM3JmQjNGQjJjMzdlRjlwclJndF9Vd3A3RlU9 | Z0FBQUFBQm5teE5RM1JnNkw3S1E2TnZ1SGM5Y1gtQ1dSWXZRY3lDcUI3bjhtY2R5eE5Fd3YwQ1hvSHRUbi1zMkl1QVVsR21LN2tySFRpQ0F6aDRiSmVjUU9wSVdaNGMwN1dNN2xUQm11bkxzRHdaVmhRTTNSTTRDOE5fVkRrWTNOY05CR3gzcDl6cHFuU1otM3VWMkdvM295S191dkktMDRmYWxiTTRlTGNSUFNobFd3RlNPWEdjSUU5NzN2MUpkTEZVNGNrQ3FNMUgyald3ekQtRkV5dlkwVlJKV3hweGswdz09 |
When my baby was born a few months ago, we got gifts and money. After a couple of months, me and my wife started brainstorming what to do with the money. At first, we decided to put it in a bank and give her when she's old enough. But then I suggested we put it in crypto and give her after she becomes an adult.
This was my reasoning behind it which made my wife agree with me. If the money increases over time, let's say 15-16 years from now, all that profit will be hers. But just in case that money is at a loss, I'll still give her the actual amount regardless of the loss. | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-28 | Z0FBQUFBQm5teE5QUWVZYkZvZVV1a1A3MXFlSk9adFlzSGc5UTgzTl9LZUk5TEFtQTB2U3VmNHcxczZ6bUtCQWEtbldwM1pNS0hNbHRnLWlsNXBzMExKdWl3dEZTYmt5cWc9PQ== | Z0FBQUFBQm5teE5RQmhMUXM0aDFaUFNKRGgxRkFSWE9ISG8yNl9xY0ZjODVGYlFPWmNrODB3ZU9CVGVtOHI2bGRBTVh1NlFaZkhiWnNsSmdUVTZpRU1OalN2eDZiZmoxSUlUN25LZ2pQSFNFQTM0OE4wWUhZMzUzWkJJS3EwdmhKN2E4cmMyY0p4U2ltVGV3bmFPRExiT2hYRmEySHRVOERKUWwySmVHNjFqRllVUXpmR2MyZVc1TC1tbGY3RVgyYlFXWlJxU094VXhZ |
I recently decided to buy my first home and started searching for them in DFW.
The cost of new communities starts from low 700-800.
The lot premium is average 45k.
In some cases there are PID with averaging 12-15k(lump-sum)
With property tax being roughly 2% after homestead.
WTF is wrong with housing market?
Who is paying this much?
How can a middle class dreaming of new home can afford this?
| r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QRXBnSWVKY3d6TGd4aUtUTEFoV2ZLa2tjTzFJcGpMMEVzREJGTXUzR2J6bUhPX0RuVXc1Zm9Tc25fODQ2YWVtZzVFZ0tKUVA0R2hHLVplcG81eEdGNHc9PQ== | Z0FBQUFBQm5teE5Ra21mcW04d3VOZ1lrZDJzU1JCLVJQLUpQV0pGR0F2RnFxaGQ3NGhkTW13ZnBhc3hBeldWSVdXdlg1eXZoelpmSXhFdUZ2STc3blN0eDh0VG45Q3B1MzZ2cENLNjNmaXM1aTdvVUZicVFWeXFEMDMyMjRJdnlnTEF6U01xWEhmNEJDQk42UkVqWkc0Q0kyTk1OOFhZVDJaTU9TajR5YXNtTno4TTZnY09pVGt3MnlzM2QtNjdqU1kxTlJ3S0J4dmZf |
Hey Everyone,
I just sharing the milestones that we hit this year. 1.5 Million Net worth and 1.25 Million Fire Assets.
We are 35/36 Duel Income 1 Kid. Our household income was 296K in 2024, which is honestly insane to think about. I would have never thought we would be making that kind of money (we are not in a tech, engineering, or medical field). I am in the mortgage industry as a mortgage underwriter, and my spouse is in HR. I made 160K last year and my wife made just under 140K
At the beginning of the year, we were just under 1.5 Million Net worth. I have now passed over the 1.5 Million Net Worth.
To break down Assets and Liabilities:
# Assets: 1,676,633.22
* Traditional 401(k): $660,803.77 - FIRE Asset
* Roth IRAs: $186,610.63 - FIRE Asset
* HSA: $14,610.66 - FIRE Asset
* Taxable Brokerage: $347,628.71 - FIRE Asset
* Unvested RSU: I know it's not technically mine yet: $69,681.43 - FIRE Asset
* Cash: $28,372.27
* Cars: $30,000
* House: $303,400 (Zillow estimated)
* 529 for Kid (Prepaid expenses are considered assets): $35,525.75
# Liabilities: ($98,367.89)
* Mortgage: ($93,945.45) - less than 11 years remaining at 1.999% interest rate
* Credit Cards: ($4,422.44)
# Net worth: $1,578,265.33
# FIRE Assets: $1,279,335.20
# We are investing in 2025:
* Maxing 401(k)s: 23,500 x 2 = 47,000
* Wife's Mega Backdoor Roth = (10% max of her pay = about 14K) - this is new
* Maxed IRA: 7000 x 2 = 14,000
* Max Family HSA: $8,550
* 529: 600 monthly x 12 = 7,200
* Taxable brokerage: $0 for now.
* Last year we were investing 3.5K per month = 42,000, I did drop it down to 2.5 starting February 2025 due to my wife doing about 1,100 in Mega Backdoor Roth, however, we decided to pause our brokerage investing for now. we want to do some house renovations and furniture: A new deck & possibly a patio, a new bed, and blinds, save for an eventual new air conditioner happening likely next few years if not this year, and new floors for about half of the house. Also possibly remodel 2 bathrooms. We are looking to cash-flow as much of this as much as we can.
# FIRE Goals:
We are looking to possibly fire when we are 46/47. Now we could wait 1-2 years until the kid is in college, that way we can truly nail down how much they need for college. We are looking to have 100% equities at a 3% SWR with an estimated 100K spend meaning we would need 3.3 Million invested FIRE assets. We would also look to have 2-3 years of cash reserves to cushion any 20%+ dip in the market and refill after the market has rebounded. We could also lower our expenses even lower if needed if we reduce our extra spending on travel. So we would have guardrails and safeguards to fully ensure that we are protected in a market downturn. We want to be sure that when we decide to RE we are not returning to work because we HAVE to.
# Travel Goals:
We are also doing a trip next month and looking to do another 1-2 more trips later this year. We have a goal to see all 50 states as a family. We (as a family including the kid) have been to 17 states so far. We are going to Puerto Rico next month (US territory, ha maybe state sometime in the not near future?) to celebrate my father-in-law's retirement. We are going to go to Chicago to get us to 18 states. There might be another 3rd trip that we will do, that might hit up a couple of different states - we are still working on planning that future trip. It might not be until the fall. We hope to have all 50 states by the time our kid goes to college (around 18 years old).
Remember to have goals along your way to FIRE! Don't miss out on travel or making memories just to save that little bit extra. You will be thankful that you got to explore and make memories! | r/fire | post | r/Fire | 2025-01-28 | Z0FBQUFBQm5teE5QTTN4QUpTdWtiVG1hNXVRRnVsNlI3NnY5Vnk5U3JXald4YWRsckV0SFNPTlVUQ080VGUwdGpvaHV1RFpBM2ZlZndsR2cyWnlvcjkxQ2FZS2tuelg2YlE9PQ== | Z0FBQUFBQm5teE5RYzBHdVBOWXdtNVVMQnA1MlhHeGUzUWFHY25UakF3UUlPbGhKTGhQYzJwQkd0dVMyY05kWE45a19PUURoTE15dFd3M255RVVvZ2hORjFXNWpPRU12bXhwRnRfb25FcFpubFo4UmdCcE9CX1JQNFJRTzRlMGtLNUY5akVteFpXLXhsOTBjRF9VTWs0MGdyWmlTbTYtS2ZjR0VkeFU5NmdfQ19yel9xYnhaRFJmRkJoSnRBS3VqQUNjWlJualhHVU1W |
I’ve noticed a theme that a lot of people allude to—dying early and not getting to “enjoy” your wealth, which is usually implied to mean spending the majority of your money. They often use these examples to justify why they’re spending money on XYZ or taking that vacation.
While I agree that life should be lived to the fullest, despite FIRE goals, I disagree with the notion that people who die unexpectedly young or those who live very long but are too tired to do much (e.g., a 98-year-old multimillionaire grandpa) would have been happier had they spent it all down.
For example, I’m a 30F nearing an 800k net worth. I’m in the “boring middle” and naturally anxious. The fact that I could lean FIRE in America or go full FIRE in another country brings me a great deal of security. I love having a nest egg. Knowing it’s there makes me happy. Watching it grow brings me joy.
I have a “reverse budget”—i.e., I save a set amount and spend the rest. I go on vacations, buy luxuries, and dine out. I enjoy my life and also invest my money.
I feel relatively calm during political unrest, economic instability, and workplace conflict. It is disheartening to know that if I were hit by a bus tomorrow, my beneficiaries may use me as the example of someone who saved and invested their money instead of “enjoying” it by spending it all and living with constant financial anxiety, like they do.
Perhaps your colleague who had one more year syndrome and stroked out 6 months after retiring actually did make the best decision for their life—if the alternative was retiring earlier with constant anxiety or going without in their last days.
Of course extreme examples do exist and I am not advocating for a Scrooge lifestyle, though I have to point out that Scrooge McDuck had a grand time swimming in his piles of money. Who are we to say that spending it or giving it away would have made him happier?
What regrets would you have if you died with money left on the proverbial table?
| r/fire | post | r/Fire | 2025-01-28 | Z0FBQUFBQm5teE5QOXBHNjZyZ2tzd21jMWgxS19VSk01Wld3SldrdG5kUUFxcllwQmFpNlYwMl9BS2lRZFo3UjJPdk9JSWFZS21aZkxlaUttb25xS2NVQ3hiZXNBUDdjZWc9PQ== | Z0FBQUFBQm5teE5RVTJWNkRPV2M5OU9CMjUxdmxlYlJMSUo2SU9VZXZnUEwtMFBuenlkSDA0bGxvUHZiajE0aW1OdjBLNVJZdFVqQWRfLWY5SjRhOFpvOFJpNXNEM2tJTHhYUklhLVc2MXBFZTl6RzE2NHFKSnROR1o3ZjNVWFE0cHdwdGRjOHNGTjc3dWx3dHJwNGtKUVFDQVZJYXFHMHoyTWJzbjl6LU5ObjlSME9TaEpjTkRONVltTXhESTJxbE9WWmlFdGk0MDZK |
Non-X Users: https://xcancel.com/brunopgalvao/status/1884121579598274942 | r/polkadot | comment | r/Polkadot | 2025-01-28 | Z0FBQUFBQm5teE5QWWktM1BZZi1RSmozNExYZmhhMm9JR2llYUYtRGJtRkY4Ul9hWG95LU85d0lVTy1aa0RoVzZHbG9kakJZYm9RckNrOVp4MVdRalJsMEstT1BZTElDcGc9PQ== | Z0FBQUFBQm5teE5RUEhIWUdnQUlUcl9ILTYwR0xDRGhLZ3BFMi11enVSQkxkdXRDSm5lS01Wb0xTd1JHYk84Q1BsUWdNQ2tPZU9TLWFnLVlDQjVxU3UzN2wzVVZVdVhranhtYVp1NXRyanZtWC1GRjhyTlR2MFRmelJSNkJDcWxRYmlOMTNMcllyLTNCamVzVkF5UXRyd3lCZ0VGOEo3VzFiSS1seEl4RThzR2JNS25UUGd0dEI0PQ== |
I'm a total newbie at the technical side of crypto currency, but I'm working with a couple other guys to build something to help value crypto currency on an apples to apples basis.
In order to make our app, we need historical liquidity pool data for as many blockchains as we can get. My developer can pull the data and do all that jazz, but we are having a hard time finding a source to actually pull historical liquidity pool data from.
Any ideas???
Any help is great! Thank you!
This is also the first time I've ever posted on reddit, so thanks for participating! | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QazNBRk5XLVlrUGdSUWxWclZqT3ljbW5fSWZtQ0s0SkxqUHdreWtMc2ZXeTNBZl8tVmVQZTV0SlhCZ2g2bkNpYzlTQ0ZDd2ZVWUtTVGVKTHVVTy01Nnc9PQ== | Z0FBQUFBQm5teE5ROXlrYzM2c2ZJcGRfQkxVVlZmU2xnSUg0dkN3b1k3cnZFNWROdmtXVjQ5bUNGTG1XMExocnpadkZPSElxajdVbWN3VDNfSDBhQW84XzZ1eHFMRG9hTHNVYkNJVkFmYUU4WElla0F4QlY4MEFwTWpaem1EOG1mZUpKTmpPUmdMN2w3T0xvMmQzNnJrYW1FN05QM3otLUNuY05UQURKVm0xRmtoY0VGbUpQR0ttQkFuN3pQUm1iV2VkemlqeFp5NjByb05OOERfVmNrVnJ2QWZwbllrbE9aQT09 |
I’m 25 and got a job making 94k. Not including bonus, if I stay a year then I can also get stock options.
For now:
Savings: ~16k
My employer matches 6% 401k so I’m gonna contribute 10%. And I’ll try and save 1.3k a month in regular savings / money market account.
My rent is going to be around 2.5-2.6k a month with some bills included.
I could spend a lot less on rent if I lived further out of the city or had roommates but I’m young and moving to a new city. I previously lived in a city and wasn’t able to enjoy it, I’m desperate to enjoy myself in this new one.
So I figure if I can only save 1.3k a month while I have fun in the city for a year or two, then it’s worth it. Especially if I’m 70-80% remote, if I’m spending so much time at home, home might as well be nice.
So in terms of savings and 401k combined, I’ll be saving 33% of my income (with the 6% match). I’ll also have a small HSA. And my student loans are only $200 a month
My main question is, does this seem reasonable? | r/financialplanning | post | r/FinancialPlanning | 2025-01-28 | Z0FBQUFBQm5teE5QUDNsSnZRTWJIRlJSVF9TYkdNUHpkYlJTNXBBYmhfZkRZZVNXdXR1RS1MU2ZreGtBNWh0UVZ2R1hodkRYN252dXl6QmxrV2NxdnJhNWcwMm1qcFk4NHlnVVFvbjNRaFFvY0ZpR2VLdTlxWm89 | Z0FBQUFBQm5teE5RQkZ5SF8tUjFkTEQxcDdJSWJHLVFrTEVYWGVIWFhKdml3RnR4enBMY2FCcW5wYzFoNnhyUW94aVpsSDRvc3V5T1lHejVPSk9pZ3U1ektzTlZiRkIxVFZ1SkxXWEFJNDRDYXpLSGpvY0FJTkNxQjYtaF9pbWF3VjlGTDgxSXMySkl1TXNCOXJoZVAtei1qekQybzE1b2xGOENucDRJRkxDOXRiWU1FVmxwVUg3ZDlxeGtsT1BJaHEySEZTNjNwb0R0LXRZVWVmUGlmdnpERURqV2pYZExZUT09 |
I have finally admitted that I have stretched myself out too far financially. I bought a house 8 years ago for 190,000 now valued at 400k. I owe 165k. I racked up a 30k Home Equity loan, 15k personal loan, and about 16k in credit card debit. Interest rates for the cards and smaller loans are between 8-27%. My mortgage is **2.5%.** I cannot keep chipping away with little payments and hope to make a dent in the near future. My question is, should I do a refinance on the home and roll the 60k into it with a 6.5% new rate at 30 years? I have the equity, I have the ability to make the 1900$ payment it will be, and this will free up 300$ a month if not more from all the high interest rate payments.... but I lose my 2.5% rate. I am using the VA loan to refinance which gives me the best possible rate. I have a decent household income of about 120k a year, but there always seems to be a set back with medical bills, car issue, propane/heat for the property. I cant get ahead!!!! I am embarrassed, but dedicated to fixing this... is my plan the best one?? | r/financialplanning | post | r/FinancialPlanning | 2025-01-28 | Z0FBQUFBQm5teE5QUTB2a3htcEJBQVA4ZG9tcV9uMTJSZlFPQ0V4OTdLajlDVnV6YXYtUk05OWdHWER6ZEVkR2dSZDJLS0ptbUFGUUEtSDhzczF0UmtfOVd2Vm5RNzZoUGpUZnlEU3BqWEhDelV0U0lZOGNJTWc9 | Z0FBQUFBQm5teE5RN2pGVnhCd194UVZ0Qk1hbGJXTTkxakZCYzV1cUhVeDdPbmFIR0ZNeVJ5aXJmNmhTa1NWcl80WGh4UDdKczVNNVVyRUZUSXJwX0lqaWFVLXVvM3dkTDZ2bUwxanBXLWdqLTJSSDl1b2xhV2tXT1drcTlZYWx6MmpKUHF6bFhiUWZmQ09teTVRemxiNy0wYzdVWVdDSjU4THYtd09Yd0pua0hYZmtJZ19QSVJaSzRRYWx5aWdJcEJPLXQyNGhlWjhNMjF1NzdDQVdlSFhkZUhONFBabmNWdz09 |
Nuklai is such a powerful company, I expect it to become the next google within the following 5 years, Bagel is amazing too, bullish on this associations with filecoin. | r/filecoin | comment | r/filecoin | 2025-01-28 | Z0FBQUFBQm5teE5QaDFmQmh0X2oyYllTaHBpM2hqOEtqMGl2OGw4VEpYNHRmTVJ6dmhHOTFBQ3VOZGVTUEw4WDNIVl9LLVI1d0VFZktZS3BLczk4bm1oOHNJbnVCbHVTNUE9PQ== | Z0FBQUFBQm5teE5RdGEtWjRKMVJaTEFudDNqTE92My0yWUVMWGhVazUwemRRVzVUNHgyS2lFYjFiTFgyUTRxVjZUakF2a0xtSE9zT0thVHlwTFQzMC15bl9ycGhodU56aDZWNWpDdzl1RXNwMU1DeWRzcmRLaURGUGFzMjNCbkhLdDZpS1FBM2xablE3YTd0Q0dPOXR0ZUowS3dQWG1KNmZZR1R1U0JnOC1fSXRtUF9EbE03SUQweEJra2JjVTF5MDNWM3REaUVid2ZCbTRUREVkZ0RqTE5fajVTRlROaENtdz09 |
Hello my name is Brandon and my business partner and I are newly out of college and still living at home with our parents but we want to start investing in real estate and think house hacking with a duplex would be the best option to start with. We both have full-time consistent jobs, both credit scores of 750+ and would probably start with an FHA loan. We’ve found a property in AZ that looks great from the outside but we need guidance crunching the numbers to see if it’s a good investment. It’s a 5 bedroom duplex, main unit is 3bed/1.5bath while the alternate unit (the one my partner and I would live in) is 2bed/1bath and it’s in a very good location. What would our next steps be? What things should we be calculating for? What made you successful in this field? What mistakes can we try to avoid being first time house buyers? Any advice you can give would be much appreciated! Thanks! | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QN0hoS1lCMVVtMHMyYUF5MHp0T3IzYmVYaTFQcm5EYkdOU1dzakk2TXAzVWQtR0IyR2NKNEZGYnoxa1ZzY3Q0aEFTTnhjZldRbFpfMUNvcGh6Zy1Od0E9PQ== | Z0FBQUFBQm5teE5ROFN0ZUNPV2VBbkZCSlE2SXBpeG12eDA5emtBUlpkWFpObXBUOHEtM3hsRHhLal9Ba3k3NG9rMzVscVRGcWdnWW5sZzVweWRaTzlKUDhuOWkxUWFoQjBOT1gwZk5rdWp5TGJwMnNEbV9yeHBUSUl2LWZJdE1MTlJPMUJRZ2x3dFc1dEFyVGQxdktFYldLU2FHcTczQTBoNWFCRW5tLWJVXzBlU3F4MFlwR013SUlNTzlndzl2OV9ubzJaYV94OUdiRGRrR0EzNF9wZjkwOUc2Vkc1Z2kyZz09 |
I just recently got into using Coinbase after using Robin Hood. I’ve also use Kraken, but I’m a little confused on that one. I’ve been using Coinbase mostly for a good chunk of the crypto that I’ve been buying. | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-28 | Z0FBQUFBQm5teE5QWGNURHpReHFQMEZiOU5ONVhablBpSUFFMUN6a1dTOV9rMlJEN29kLUdCM3pPNDU0SEdwUTlLdmY1b0E4RUxFOHdRUXZFQmVEMFNHeFdETmx2VUlPRlE9PQ== | Z0FBQUFBQm5teE5RMjZQeEdzRFl2UXhwMTdiN2FMY0RKcktZbFN6NEExWXlNT2twa3E0OXJMVTZWRVFoS3NFQ2xMYWVMMHg0Wm5nTUs0NW1GRW5ta2NQWTVwanhjZjAzcGZwUkNDYzFrM3BlT1pLV09tV2cyYVB0S1U0ODRRam9jemo0WTlKUE00UGRWdnphQ1A2d2pmZ2t5WVlIdFBld2tVZUg2YWlYY3VZN1hhc0xNR2sxTHlKcURDcDRlMVJXRk1TS01QRDZYRF90NXJvcVc3QjlEUWZxYjJ3OUh5YVpBQT09 |
I would sell both Kas and BTC, value proposition for TAO is so , so much higher. | r/bittensor_ | comment | r/bittensor_ | 2025-01-28 | Z0FBQUFBQm5teE5QcWJtNjBHT1ZtVE5aU3hIYkdoZmhScVQ4RzFUbXhicEJjZFljMTJpcFZQOF9WSjRPMVNJUmIxNmNNU2haRWhqU0trYkNEVUVXUE5oY0h0WkJFRGZGeUE9PQ== | Z0FBQUFBQm5teE5RVVBCamw3aXk3dnhRS3BuZ0xkeUpYWUxxME5kaDdDemxvRFJFNWx5YUlLWVlQTmhoaEFtYkwtdFFJeWVTNFRRUk9wdzNscVFOQzlJX2JpS2VVMGxlRjV1MnM4TGE4UHBQNDl1U2Z1RVQwLW9yaFotU3FfYnQ2cEJ0SFpyRlZ3cnoxOFllOTNzcDhKUHVTM013S3RmX1ZtQjRQcUhjM2ZJTFNXSlUxOFRPVFZBPQ== |
Atos SE is up 9,52% and is trading now at 0,0023. Stock went up to 1,73 in the last months. Friday they will publish results… | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QbEp3UDM0ZDRiRjl2OGJUb01sdXpaZ08zT0hxbXRMV0piSGhRbzRlSEs4c0tjQmtvdVgwR2p4Nktlb2daazBDRWwwdVJIQWFIemR0VzNhY1BqV0phMEE9PQ== | Z0FBQUFBQm5teE5RamlNRjFUSlZjdHhwdGxxYlh1N3dPalVSVWNpaWNZcTNfRzJzY1pFWG53enN6enRGWVBtaXUxSHpMa3ZnemZSaVFNcEt1N1pBRXViaF9tTkxtOXdaOHgzZTBscHdUQk5yeVNQZWctVy1YWlFxbjQ3R0NNUmF6RVdidVlkbnY4ZnQyelBjNFJaQmZUY243aHRFTVdqbUVXZmJYb1JnVW5pT1hvRmxIWGZVYjRid1hNYmE2NXZ3QkN2T1RHX1Z1dHpDdEVyeHp6bmxNMFlYbHFoakZnTFM5QT09 |
So what day is the top? I can’t quite see it as the scale jumps between 2025 to 2026 | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5Qb1JZQnRteFZLMS0wYzJTbXQ5VFMwNFdVb01rRExJeTljWGttckVQVG9RX05NY3hLazk0TjVqRlFzODlaX0JnU21NT2JTb1prclR1UEo3VTF1ZFBrUlE9PQ== | Z0FBQUFBQm5teE5RaUtvLVJnUVdUT0VYbEJJMlFfYU5CQmVCSkktTzFfTXZVMXByNjUwd3NCRGo4bzd5cm5lM21XZTBUaGNEdFZua0FNOWdRSGoxT0x3QTJuTWpGMFc5VGEzRlB3RnZhSFNUN2ZVa2NiM2dIbnpGTWUxRVY5Nkh5Nml5VDZVZDVVZDJRQlplVTlXckhCYlZNNEJOZG9CX0tXR0Vod2JIanNuTjV3UjhHTDBFenppVDREUlJIQ29RclJCLWdTZXowWkEy |
I've been looking on their website without much success on finding how much MER or fees are allocated to two securities:
# AMZN - AMAZON.COM CDR (CAD HEDGED)
# GOOG - ALPHABET INC. CDR (CAD HEDGED)
I'm trying to calculate if I'd be paying more in exchange fees to buy actual stocks in USD, or in MER & fees if I buy hedged securities in CAD. | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-28 | Z0FBQUFBQm5teE5QYjRUVXQ5ODlTOEJjWFRGaFR6RjkwMmR2R2JhMDEtWkhOa3BRYUw4MEIzSE5HOVhGdkNkR09qQVJCTTRNcTZ0MkFGczE2czY2TVhNWEx1djIzSlFxaGc9PQ== | Z0FBQUFBQm5teE5RSFpheXdzMWJrVWFvekRVVUg3RFVrbDdSbzc3QlJrS0FTUDhXbzFVa3l5ZzNZT3lXOHMtQ0RXdXZyUTh1Q3JqSXMzQlc1bjV0RlFTZE1mQXNyRjBpYzd2R1dFZXNWb0dNbzAwNnVCOXBJR3Nwbm9BQmJqN0p4UUpJZ1k2aHhBY0U0aFpGbVBVQXBJck1oVlBQNFVaUjktNWZvX2ZnaTdWUjFYb2k2bDlpdWdVRGYxamZhNVZyNVczZ2RZTVNXcEQ0Umt4SWh1TlNJcmh5dTNuQ2R5eVpNQT09 |
How often and feasible are elder people live on rent income?
(my parents are elder and currently living outside USA with some property rents in there as the only income. what does this plan sound like if they move to USA with selling the properties and buying USA rental properties? I heard elderly do this some times but wonder if it's feasible & what to expect or beware) | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QYnM5b3p0XzZ3V1VaNTNFUFJhRUdFY1l2MW5IUWQzWmRYRjdvM05ha0JlM0ZySWVVbEM3MnNxRU83aE1fdXppdlNIcF82cGhKQk9ndUgtdXlxV2JQVWxwOW8zVXNycFc3Q1lJNV9xWlVfVEE9 | Z0FBQUFBQm5teE5RSXdDZ2FlWWc0QXJJZmJNcFRzUWVIbkQwbWQyaTdsQUdxNkdwOUNuNEJEa3FlX3dPQThNX1ZRMVdETnl2RFUxQWw4dWNPTC1uVW1PMVEyTkhzdWJrTEJCTi1UdzhIS3d6WWJBcGxBT0NCazZCNVh6cWhYUkdFNU9jdkp2bGJSTm9DN29mdlpROUlnOTF0d2pZTlVYemxRc2gzQXFMUHJacHpzc1N2Q1lUbVRZU1kzZ0FNMFlzTVB5NFJYaExQdHNl |
ERROR: type should be string, got "https://www.reuters.com/world/trump-tariffs-chips-drugs-would-hit-us-allies-asia-2025-01-28/\n\n> Jan 28 (Reuters) - U.S. President Donald Trump plans to impose tariffs on imported computer chips, pharmaceuticals and steel, he said on Monday, to push companies to manufacture more in the United States.\n> \n> The comments mark the latest in a number of trade-related threats unleashed by Trump in recent days. He has already promised to slap 25% tariffs on imports from Canada and Mexico by Feb. 1 if the two countries don't meet demands on border security and other issues.\n> \n> By focusing on chips and pharmaceuticals, Trump could squeeze U.S. allies in Asia, including Taiwan, South Korea and Japan.\n> \n> **WHAT'S BEING TARGETED FOR CHIPS?**\n> \n> Trump said he plans to impose tariffs on imported computer chips without providing details.\n> Asia is the world's biggest chip manufacturing hub, producing more than 80% of semiconductors sold globally, according to the Asian Development Bank.\n> \n> Taiwan Semiconductor Manufacturing Co., the world's largest contract chipmaker, makes semiconductors for Nvidia, Apple and other U.S. clients. TSMC generated 70% of its revenue in 2024 from customers based in North America.\n> \n> While it is building a $65 billion manufacturing facility in Arizona, the bulk of TSMC's production remains in Taiwan, with exports to the U.S. theoretically subject to tariffs.\n> \n> **WHAT ABOUT OTHER CHIPS?**\n> \n> Asian producers also dominate the market for memory chips, with DRAM and NAND flash chips used in electronic devices including computers.\n> \n> South Korea's Samsung Electronics and SK Hynix together control around three quarters of the global DRAM market.\n> \n> The two companies, plus Japan's Kioxia, which is controlled by U.S. buyout firm Bain Capital, command a similar market share in NAND flash.\n> \n> Samsung is investing roughly $44 billion in chipmaking facilities in Texas with subsidies from the U.S. government.\n> \n> **WHAT ABOUT THE ECONOMIC HIT?**\n> \n> Chips are a major source of export revenue for South Korea and Taiwan, meaning there's a lot more at stake than just the impact on manufacturers themselves.\n> \n> South Korea's exports of semiconductors hit a record $141.9 billion in 2024, of which $10.28 billion was to the U.S., according to data released by the Ministry of Trade, Industry and Energy earlier this month.\n> \n> **WHAT ABOUT OTHER CHIP SUPPLY CHAIN COMPANIES?**\n> \n> Japan is a major supplier of chipmaking equipment and materials, all of which, at least for now, appear to have avoided direct mention by Trump. Major equipment companies include Tokyo Electron and Advantest.\n> \n> **WHAT ABOUT PHARMA?**\n> \n> Imposing tariffs on imported pharmaceuticals could weigh on Japan, home of major drugmakers such as Takeda, Astellas, Daiichi Sankyo and Eisai, which has been expecting strong sales growth in the U.S. of its Alzheimer's disease drug Leqembi.\n> \n> For Takeda, the U.S. market accounted for just over half of its revenue in last financial year, while for Astellas it accounted for 41%. In both cases it wasn't clear how much of the U.S. revenue came from imports.\n> \n> In a statement, Astellas said it was always preparing for geopolitical risks to ensure a stable supply of products. It also said it had invested in multiple manufacturing sites in the U.S. and would continue to do so." | r/stocks | post | r/stocks | 2025-01-28 | Z0FBQUFBQm5teE5QaGJjVE5FUVRTODQ1dmpWX3kzT3BRZkx1YTQ4T1RrVGlPbUhWOWNzRHBmSXRvYVBaMmFwTjBEZTgzMV8welJOVGpXWmNPSVl6TlR0Z0VhVldqTUVSUlE9PQ== | Z0FBQUFBQm5teE5RbkNpMm9TRXI5ZWRHU0w1MUdhdmdPaEJzQzNOQWJoZkdBQWdTMEtNUThBZWRnTGZucUJLWmt2ejJMNjZfb0JuMEhoMkZ2ZER6WG9QbXBDZjVJNGVCNW05dERJcEx5TjdfaTNoRE95ZmNVUmNOa2RINWFZT3RUM1BEVTNsMERkUGhtRXR2dnY3MHlFSWR4UDJRbWc0M0d1Q1lmXy0zV2RpMWlXSFVEb0JrN0doRWFNZXJXLV9CUE9rNE4xeFhYU25L |
Working off the assumption that forgiveness will even be a thing in the future.
My loans were in a "Stop SAVE" status for months, and now have suddenly switched to "Forbearance". It says payments will begin in January 2026.
Am I still making progress toward eventual forgiveness or did they stop doing that?
What about recertification time? SAVE isn't a thing anymore, I assume I have to recertify at some point for a different income-based plan? | r/studentloans | post | r/StudentLoans | 2025-01-28 | Z0FBQUFBQm5teE5QbnZ5akRnSWgxN25wMlkwbWN6RHMwLU9VNnZ2cGJNWjJzcjdvVzhmNXdpaGhyRnIxU3RKODhyZy1WZXhjeVQ4WDBKRmRsR29QVGk2c1ByRUpHMk9oVTc4TTFZSExfMGVsMGtoOVBCUkxib0E9 | Z0FBQUFBQm5teE5RZnhBUm9wSjFaVm5qRlc3N2VIbXJjclo4Y2ItR3hpeGxENnNkR2pKU2dybFZSb2Y3VW5kdVBGTUhhZUtJaVdvRlE0VHhvN1FWQWhfb05CcHBrWmhjM1NYRkNnaVFWRXd5WXpObTU2N013a01QcmJxTEFnSG9RaUJFY3AyT2Njcy1wOTR3d1RWMFZxUGdlcmo4SVhtQ3Bfa2ZBVjEzMmdqYzhqVl9oMEVXLTZiQ0xLbUpGSG1WcXBLdGVoSktOWnU2SmtveE1kc253TVZ1SHNiaWducHQ0dz09 |
So on our current trajectory, we are about 5-6 years away from FIRE. Right now I am in a very low rent situation that is about to end. We need to either rent a place or buy by end of this year. Here are our options as far as I can tell:
1.) Buy a house for \~300k with a 15 or 30 year mortgage, pay the minimum and invest the rest, then sell the house after 5 years.
2.) Same as above except pay the house off in 2 years THEN invest aggressively the next 3-4 years. Similar to the Dave Ramsey approach. After selling the house we would just throw it in index funds.
3.) Rent a house for 1.8-2k a month and just invest. Mathematically this makes the most sense, and also don't have to deal with things breaking, upkeep, etc.
My wife would rather buy because she is tired of renting. I get her point of view too as we can do whatever we want with our OWN house.
Would love to hear some insight from this community! | r/fire | post | r/Fire | 2025-01-28 | Z0FBQUFBQm5teE5QSTk4WnJhZy1LSC00NzQ2VUNybmdCVGhPc080VEpCQ2UyNGE5QW8tZThOMzg4dVNlNl91Qlk5ZTNvbG8tSkhKVFR4Uno3Qmx0NDZxOWt5MGEtQUJXLXc9PQ== | Z0FBQUFBQm5teE5RNUxRM2NBQ0x6WWl2amR6eWlXQjhvNVlZUWk4ZzZtYWNidFZXOG5laHpla3k3RWsxb2FaaGJPb2R6S3hmc0lmaGR0WkhaU1JkaVdMVHNBN3pXR1Y3V0t4M1hQWldxbXVSdmUzVF9RUG5qZmVPLUZZNFlPeWF0c29aUUk1a3pQWklrdHAzZzZFX1BBRS1CczZNSW9kX0xuTDExU2QyMkVGVGhsNDJXSFRzbi1ZPQ== |
Hay i got a bybit free card.
But im looking for more free crypto debit cards.
Preferable physical.
Whats your experience. Which ones or nice. And which are the worst .
Bybit has shitty service. I use the card 2 times a?year. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QcHBiMTZBVldDRC1vdTl0ZlJTRUR1alZiOTA5cHp3VjM1ZUJjSUp5aG15VWpVbnlmbVp2cG9hY2VMdHhkQzhrbVNBSFp2YXliVDVFMDYwczYxdzBrNGc9PQ== | Z0FBQUFBQm5teE5RMjhDNFNkUDNta1FsTzVWeERidXpMOG9Gc3pZUFVVeUpENzF4bzV2QzZfWEFQemlBSzRZcnRkWU9KS3hiamNPaUs0UGhfOWRIc1FDazhURWt3QWJtb1RpdE5NbkdETkc4Z3RJaUE5dzlHeWRfZVAtcHpmbGVVWnIwTlhCb0RGOGtkb0ctSVNyS3JuMVNKX0Itck5kd0FrdzlVSlBqVUZYV0M5QlYxWDhxUl9aUXo2TmZnOC1KcU9BNVJUOFE0ZmNQdzNadnNTQUU1MnIyd2dUNkpHTmQ2QT09 |
i thought bull markets were for stocks not p2p currency | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QZFMwQnBwTVB2aHNIa3NqRl85SjYzREtvcHF6eFlkRHp6REJ4U01zQ1dYdUlVSG12YTdod1E0dUYtUTNLYXQyM0d2Q0UxSUJMOFdzMjdZS2tESjZuQ1E9PQ== | Z0FBQUFBQm5teE5Rbm9tLUVMc2NlTkZUUUJhbXlrR01VcFU2eFlZNGkyVlh6RzhCOWRrQXdEczJlZFByYzBqUEtBN2hTX2o3OGF0cU9Tb3h1RlZ0aGJFMUZNUldGRUJqOEpFYjFqX3gxZGlmell5emF6RkFNWDl4bDNRQnZpNFJfREFvb0xFRGc0ZjZ1dFgyeE9HVkpnekMzbDVwVzhvN3BWTkpncnVPTTlyVWhrMnpVWlFoblZGYVpySE1KUTliNENxaDl6YnJxTHN6 |
There are just so many Kaspa and Bitcoin fanatics out there. Why does Tao fly so low under the radar on X and Youtube? I reached my goals for Bitcoin when I became a full coiner and I can’t allow myself to part with it. Kaspa, I’ve gotten more than I aimed for but I just feel like it’s never enough. Can someone tell me why I should reallocate some of my Kas holdings into Tao. I just dont understand Tao as well as I do Kas. Kas is simple, better Bitcoin. I know Tao is the currency used by a subset of AI cryptos but thats about it. I hold Qubic as well but I’m on all house money there | r/bittensor_ | comment | r/bittensor_ | 2025-01-28 | Z0FBQUFBQm5teE5QQXpMR0NjczREVDZNMnVNWDBzYXAyeURLWmlKX0FkUk84WVo5N1BxUEx6bWdLbTNVb2NlRjNUZWJISThCanRoN3ZWNUFVSEZqWFRGN1V2VmlQaVZSZUE9PQ== | Z0FBQUFBQm5teE5RZ3Z1UXBqRUtyQnVDUzAwVXRnSnBaSFNqel9hWnBHbnpkZkxXdldOVV83Rk5QRDNJanZtQU9UQXkta3NGanN5dGFHUEd2OVNtRTV0ZXJuVVlhOVJBNk9MN3pJaGwydHdWeGlOSWVvcThGcFhUVHpvMm1MQ0JtdDVwWXhnSUxrRUNnNDZOX1cyZW5ia21yYmlFWEN2UTVDMGVKNmZVNzczTFVTSnlTUUJKdXNFPQ== |
Hey everyone,
I’ve been working with the Solana JavaScript API (`@solana/web3.js`) to monitor a specific wallet account using WebSocket. However, I’ve noticed a significant delay (around 20 seconds) in receiving updates for the wallet account compared to what I see on Solscan. For example, when a transaction occurs, Solscan updates almost instantly, but my WebSocket connection takes \~20 seconds to receive the same data.
Here’s the code I’m using with QuickNode’s RPC endpoint:
`const { Connection, PublicKey } = require('@solana/web3.js');`
`const connection = new Connection('https://example-quiknode-endpoint', 'confirmed');`
`const walletPublicKey = new PublicKey('YOUR_WALLET_ADDRESS');`
`connection.onAccountChange(walletPublicKey, (accountInfo) => {`
`console.log('Account update:', accountInfo);`
`}, 'confirmed');`
`console.log('Listening for account changes...');` | r/solana | post | r/solana | 2025-01-28 | Z0FBQUFBQm5teE5Qblc1dUZXSmUyVVNYMUctanZfblo3UkswNGlaUnFRYVBiZU14TFN0Tm9sQ0JrRXdoQjNzWkdhalNFNUo4NGQ1M2tTS3hNYUp5UDFhMEJTb2ozRlJmX3c9PQ== | Z0FBQUFBQm5teE5RTDAxZFYwOGswRkdpd1FTQkRCTG9FTGdEbGgxX0w2NDVqRzdKWldzOTdwSk9WclBWaUlFLXhMU1BETWdsZE1RM294elBWUENmYWJNYnh0Z3B3Y3pWSkpRbkhKQkxNa1hyNTJFVlNDcEI0X0ZGdHkwbXFHLTFid29TZHZFay1lRTZ6QlFOOE04MFg5WFZxY2lfU2FMdUs4a2NwTUo3bDBJMkdfaFRYcmlmTUF2emRDZ2o5SzJsMlJXdG1UU2lSTlM2Vng1RzRoUXIwRmxJQmN6akFrODl5dz09 |
Bro these crypto echo chambers are crazy.
Hop in doge, Pepe, btc, xrp or whatever sub and see everyone spatting on about their coins. No one cares | r/monero | comment | r/Monero | 2025-01-28 | Z0FBQUFBQm5teE5QUE9UV0VORUlPSXo0WXJIRUJ4WnlWNFphaG1MaWhucGVOVnRnSk9mZjBVOXNrT1hJVF9NcXhkd3QzOUlWTDExdWthZDVCbHBScXItS2FPUHhfejE5M2ZqY1VIS0laWXpVNnhHLUFOSk9JMlk9 | Z0FBQUFBQm5teE5RN2lEMGNYbnMzVDl1NFVvWFFWeW1HdThZNFI4OHpqV3BiR0xDQjUtbFFwaXNaSk1XUVNvZUdEeEV1MFZYZW1mWUtITXdkTFN4ZDNNaF9mbXRKRWhqdGRYSExaVkl6VHZneVFzS192NlpJOWtfdkpiS0xpQTdqWUEzTWFsZkZoX0g1YWxuTWxMNUI1NmJlMG1qa0lrVFNCbEhydUdzQlV4ZTJ2QzM4ZHFKakU2eW9fbnV3RHNCNEliQzNCMHdLbGdzc0JQclcwMDNRUVhFN1MzdmRabWhuZz09 |
I like the chart. Let's hope she breaks that falling wedge bull!
https://preview.redd.it/u3b5ffr6nsfe1.jpg?width=1204&format=pjpg&auto=webp&s=af19a6be9ddcb8723e6650da0f7915bca7c55f19
https://preview.redd.it/y71ypgr6nsfe1.jpg?width=1197&format=pjpg&auto=webp&s=f657c89d89958e4669695553e720ef41f33ff619
| r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QRHp3YzVXZi1ZT0otMlJYelE1LW5IREl4enVQLW9wRmJGaU9WaFVRdHNhbHg0XzBVU3JJeE01VEFReFlXb1Q1cXFiazRCdEM5YWdOcEM1WWFLNEJJZ1E9PQ== | Z0FBQUFBQm5teE5Rc3VQSHFsMVIyWms1WVJkc0wtWjh3bHh3ekVaMTBmRXRDX0RpR1RwTTJWTHVjSk9ad0QwMW93S3hmZ2lJZ19DVm1wZTltNFdiczFUa2dua0RoSk5FZjlTcUNNbHd6d2hUZmNNSXVxa2V3X2Z6UnpTNkpNTmJPbkFiTGE5d0lOYlIwVmh4SUw0cEFfSlY4bDJ1V1hnR0hmOXFBNWpoVW81NFhEMHlCQ1BBcXZzPQ== |
if you paste your wallet address into search on [https://taostats.io/](https://taostats.io/) you can see what rank you are, in terms of how much you have. 10 is pretty good i'd say. | r/bittensor_ | comment | r/bittensor_ | 2025-01-28 | Z0FBQUFBQm5teE5QeDR4NENHQm5pTDB2UHZHUHlfRkVFS2MxNUZMa2hvRTdTcnZtTlFnY3BDU3d5TFRNSjlvbmJILVE5SVhBUktnYXpDREhReTRHOHN1RWx6X242QnhGSm5UYVRIWTV0a1FZR1lMczNJWl9HZEk9 | Z0FBQUFBQm5teE5RdDlDbmdBUzZXZ2tRSW5JT0xkREMwNERLUFptazRjelJPSUUzZ2dBajR2VmJkMVZ3b1duLTJvLTJSRzdlRDAzbVUteU5tS3dlV2Vmb1ZncGRBNWZEWm1WZ0ZBVXZlTE9rd1k2QVE2WnZrcWk0bUw2cFdFa3VLQTBkMkVZalF2Zy03QlYzbjF1ZzBtUHlxd0J3QUxKVGRGUGNIYVVCVDV0Y0xLTk0yckFYdDVJPQ== |
Hey y’all. I am considering a move from CA to VA. What’s the cheapest way to get my stuff there?
My items are-
• 4 couches (2 that are recliner and the other two fold out to futons)
* 3 bookshelf cubby things (that have 8 holes each- trying to give an idea for size).
* a long dresser.
* full size mattress and bedframe (bedframe breaks down into skinny poles? I don’t think it would take much space).
* Besides that, some kitchen stuff (prob a few boxes).
* barely anything in the bathroom.
I’d be driving my car that way. I was thinking of fitting what I could in my trunk (clothes and smaller items like that- (maybe 2-3 suitcases worth) my bf’s clothes & I think that’s 2 suitcases. I have these vacuum seal type bags I want to use to utilize as much space as possible for clothes) And I was thinking of sleeping a little bit in the car but not the whole time (mention that bc I don’t want the back seat full of stuff if my bf and I might sleep in the car)-might have to get a motel one night. I’ll have to stop driving.
Whatever doesn’t fit in the trunk, rest of the stuff if anything is left could be in the truck we rent? A pod? Whatever is the cheapest option. Depending on numbers, I might leave the furniture and start over if we’re in over our head. I don’t even know where to start looking and am hoping y’all have recommendations 🙏
EDIT: I have already considering not bringing all the furniture items. Just posted this to see if there were any suggestions I haven’t considered or could reconsider :) | r/frugal | post | r/Frugal | 2025-01-28 | Z0FBQUFBQm5teE5QVjBMZGw5VFZFbkQzQVU3cmYtbzhUQ0ZmXzNuZFFOV0lhZFF1dFdfbHl5bEZIYlNobHlTOXN6N3NzRWl3THgybmlScjBEZDNDQXgwU2l2WnN2bkFnU3c9PQ== | Z0FBQUFBQm5teE5RMmZQYU9XQnR0cHU1dndzWGRsSFpyNHd1bEwtcUlRTVZoWm5uMFE3d2NWSVVSRW83NVQ3ZFF2dEhLTXZfeWx2clE2ZGpna205a2k2T0s4bDBGT2g1ZF9aV0RKZkFWTzc1cjRZZnRfR2dwUGxDZERGX2kwTnJuNTVRVjNvQkJuZDBpcFo2eDh2dmh0UFktOUlkU2dfRTk3ZFFBOTBfQVJiVF9yVXpHRF9aZ25qUnNzZlA5d1pSTHVTTVdjeDg1Y1ow |
Riddle me this:
Let’s say you have two options for retirement:
1) 401k with 3% Match or 2) BTC with after tax dollars. “Assumptions”: BTC grows between say 20-30% annualized over next 30 years, while SP500 does say 7-12%. Here in USA, 401k profits are taxed as ordinary income, where long term capital gains are taxed at 15%. Which would you do: invest in your 401k (BTC ETF purchases not allowed) or post-tax BTC? | r/bitcoin | post | r/Bitcoin | 2025-01-28 | Z0FBQUFBQm5teE5QNFE3TkZPbGFNUmFGd21HX1NpNW1YQUFfR3d6N2pHTGRFb3pZX2lsUk1QWGpCSnIxVnIxbWdjZUVNbUNaTXJhTjhPdm9SRlM5eWxwUWJoUUpweC1GbGc9PQ== | Z0FBQUFBQm5teE5RZlhzQ3lES2pBQ1gyZVkwSy0ycVpHUGNUdllRZjUxMXItRzVMRm82NklIeGFzZHdZcjRCVnNxQm03QjZjemxzTHA0bVNqZTdoSW5jX0pFb2tOcDFRd1V2MUc1dFI1bnpwZk5pbWhveklpYUlhMm1PMklpVEROUlY0TG42TzVMRWlNelhnOE5CZ0tzNElhRl8wZXZWcWlDTTluX2FyTVNOYjB3UVh5WkVfNGVBPQ== |
I just had an employee tell me they are taking a month long vacation in two weeks. Spring is typically busier than normal and we will struggle to get coverage. We have no policy or handbook. When they first started years ago I agreed to employ them with the understanding they would take month long vacations in the winter when things are slower. This is their 4th year and they did not take a vacation this winter or last. I told them this is a hell of a time to take a vacation as we are busy this time of year. They booked the trip so they are going. First inclination is to send them on a final vacation. Am I over reacting? | r/business | post | r/business | 2025-01-28 | Z0FBQUFBQm5teE5QdU5CSW1xekxpemQxaEk5X2c3dVF2M0tNSThSdVFqaEVFNDRFLXNyVXdGU2U4N0pKMWNudU5DTzc4a0RzbVVKeEswQUpuZHZqTUhtVThKbE5FUXpfOVE9PQ== | Z0FBQUFBQm5teE5RbEt0OUNGRDgzNXRaeEJDWjZTRkdXWkRVRFV4Tld6eUlBclF3aTFmYTl3MHhpLXh4NW5sWkhGc0lWVGhRYTBsRzNxMlREcGxfUDBjVG1oMVpoMmZyZ2pOUTB5SUVvSUNSek9WMHJSMUNvYTNjN2VQdXNjdi1YMHRSY0xHLW1kUC1WOXNpNjRLQnI5dUE2Y2VQbGJPbTR6VWozQUI1M3R5dDRuMFY3TnRrbURiVFZ5blhpQ3JKeElwcVVZV2V4RVFi |
I have about 17k in loans that I can’t afford to pay off at this point in time. I have been on SAVE since things went into repayment and have had $0 payments. I don’t know exactly what’s going to happen with repayment for now.
I am looking for a higher paying job currently (it’s tough out there) and my partner makes about 45k before taxes. We got married at the end of last year. All of our accounts, mortgage, etc. are separate. My partner does not have any student loans.
Should we file jointly or separately? I don’t want my payments to increase, but should I for the tax benefits? What’s the math to figure that out?
Any guidance is appreciated. | r/studentloans | post | r/StudentLoans | 2025-01-28 | Z0FBQUFBQm5teE5QMHRVRlVFQmd2dndwME1KNlZMbmdWU3JCOFRqNmdPbzQxYVpKdkpnZHFKNDZSeGpqOTM1RzZ1d0lWenNLVXVyd001ZEloUnI3YndLSnFNNVgteDdsV2c9PQ== | Z0FBQUFBQm5teE5Rby1Fa2dOYWtXVURNdjdtdE8zUkVnRWF1ek1pNFVEYUhEZFZnWEhuQUFEdDhRa2poakgyaHV0VUVzTzR5ZFpSRkZZbFFZS3pTUy1vQURtV05iU0ZCeUlWdXJUU2hoa1RBLXMwOGNURWxPbXJXb2k1YUhPYTc2OUliYjY2LUwzLTkxVmpRcHNHS1Y1bGstbk9NM3Zrb0JCRzNMdndmeU01SjFsSXFucUdkZWxpVXBMQWRWRzFtOTdSd1k1eGlpZnNt |
Hey everyone,
I’m looking into using AI for bookkeeping and came across proper.AI Has anyone here used it or have experience with other AI bookkeeping programs they can recommend?
I’m particularly interested in how it handles real estate investments and property management. Any insights or recommendations would be greatly appreciated!
Thanks in advance! | r/realestateinvesting | post | r/realestateinvesting | 2025-01-28 | Z0FBQUFBQm5teE5QOUljMTN5OWV1V0xuVkZ4b1dQZTVfcW9wTGVHWk1RUDFxQzN5dHRoTmx0RkpDaUVSLUkwTzRDbnhUQ2tLWXliVE9CZ2ljUzlHMXRxVzdxS1VkaWx1T0E9PQ== | Z0FBQUFBQm5teE5RQkxYTnQ3ZnFGa2swdTZYXzVxeWJuX0pNRlF3cGxlY0NPbmpuSEw5eXd6bXByWXRsV2U1MjZTVWdXdmx4R3NrN3ZQdDZOY0dYcm92OTg5MDBvUklTNi1zaF9uMXlIZkYtV1lPT0trX1lxckI4VFdybWp3dndzcHA5aWxhUHdOdndSV005X08zWDBHT0x3a0UyS1dyQXFLd3llYjFYU2FRQjJmc3RraHJ0THZ5NURZOVZmcFcxZW8wek92aG5LdDJPSDNDTG81X3d4V19wYmdrT0VoVzROdDlTZXZ4SXZ2RXJ6SFluQmN5bnhaMD0= |
I'm looking at a good return with an adequate risk appetite. It is going down real rapid. I have patience to wait however need your opinion on if i will be wasting my money on this fund if i kept investing long-term in here. | r/mutualfunds | post | r/mutualfunds | 2025-01-28 | Z0FBQUFBQm5teE5QOG16bWo1SlhESzBtcXhkT2RJSm5kWXhVcmhyYUFvV3V0TlQzTEpKYWlwZHJlTHRzOGQ2WGc5YWsxVXJkRXg4eDZERUE3WXFOcmZJWDRaU2NORWNHeWc9PQ== | Z0FBQUFBQm5teE5RLWw3SHowLU82NGozN0YwdE5RLUN5Ym5GYmd2bXJkMl9qck9KWFpxZ0pLd3o1T1dDeUNVN3dIcUkycXI3bjVtSkd5ZW0yYXdrYm1QZWp5ODVwME1CU1BmaFJfQ3JfYXFxSUpfaHhhT3dNbS1GMUxyUnI5TnZhT1lmVmdqbFhRam1rbGdoNGl6RmV6NnY2R2gtTmk2VUtYSmlJUWQ2dU9IOGRheTNCYi1PUF9PX0VuNXlxVFpucms3WDFvSVJmYU9aRkVxaHZGN3I1bDVlX2VEV3N4Uk5sUT09 |
PLSSSSS | r/solana | post | r/solana | 2025-01-28 | Z0FBQUFBQm5teE5QeGUwYzRQOTJKV0dlRmNnTUJXNUdpc0hTUWdMaFJCWXRYWkFkN3IydHVnLVZVeE1yOFlHazB1UWRJQzhSQzRzaVNERnh4Y0Z5TVQ5blFKR3Rqcm5QREE9PQ== | Z0FBQUFBQm5teE5RbTk2S1MzSTQ1RW10N2xOOHpIWE5XeEJ3MVRmNjRyclV4SUMxeFY1UFR3eHF0WmM0RVYzRnFhU0ZzWEQ2am93aDlrOGk4ZDY4bFB0SS1MSG1pTXhTU212aUx3dDF0dDVmVmhQMGwzbFZ6S1ZXOFQ2WnNmd1dxWmZVU0xNUnlYZnFyT25Gd0tUY0FVbTZmTnliZ3pBSFM3c2xFN0tLaWk5cjFEWlV5eG90ZlNxOU1WREQ3dmpWTTZQVnN5dkxnUzl0 |
I’ve only recently started contributing to my TFSA with my employer (2.5 yrs ago), and I have a $50K contribution room.
I have a non-registered Wealthsimple account where I’ve invested about $5.5K in ETFs, and plan on investing $500 every month.
I’m now wondering if I should instead open a TFSA account in Wealthsimple, and instead invest the $500/month there? My understanding is that this account would be tax-sheltered so I wouldn’t have to pay tax on any capital/investment gains (unless the gains are from US ETFs where there’s the 15% withholding tax, am I correct?).
Does that sound reasonable? What is the difference between investing in a TFSA or in a non-registered account? Wouldn’t both already be post-tax since the tax burden is coming through my income tax? I might be confusing things … | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-28 | Z0FBQUFBQm5teE5QOU1IbkpWeFVfVnY0X3I0eHpHdlVGa0JEZm5rNU9NUmU5dHFLSFdWWkxPZ3hzMFFJTk9lSTdSRDBrUkdEQURES0NYdzNBYVVNUFpaNmExZXV1U0N5M2Z6VU5EbENudlRtdXJPMGtuZ0RFWUU9 | Z0FBQUFBQm5teE5RUVA5dk5tVVVzNzVXRlFjYUdCQUV4dFVkMEhqX3VHWTVuSGdIa3plZXBOUFY5Wkl1clFEVzN4OG5vVTNINXZOMk9VWkNKUEpnX05wZWdqZ0h2a1NmbjhoLTU5RWdlX2huLTBsSjY2dUQ4UjRuNE91aEoxd3Jhek1pcjJJbjFxWUdHX1FWU1RyU0dOODFxUjJwRU1pNWdpdWJKYmRLU1gyc0w3a1VacUg5UjBPTGlRZVlLYTJiU0NoTV9fRGtJWWduRXpZSDRjNjZFTVVkTmdCSVlrU2dwUT09 |
I WILL NOT BE NOT READING DMs
Relatively new to crypto.
So I out of boredom decided to skip drinks and throw like $25 into a two meme coins not knowing what honey pots are. Then I read up on them and realized both were honey pots so whatever lesson learned.
One shite coin is trump meme coin the unofficial one and the other is magamemecoin, I don’t support those but said whatever and dropped those 25 between each.
Recently though I discovered never purchased by me coins like blep, goat whatever never bother to read it before hiding balance, bsop and etc. That’s when I read about dust attacks.
Now my main question is I have some other assets I bought and I’m wondering if I’m in danger since I bought those two coins. Like in dust attacks, still don’t know how they fully work but am worried since I swapped for those two shit coins.
1. Can a hacker drain my assets through those two?
2. Should I create new wallet and transfer my main assets?
3. I also checked, by the advice of chat gpt, if I have any permissions or dapps connected and it seems none except for cb. So should I still be worried about anything else?
Thanks! | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QbXJrOXZDcW9fcWhkNnlPSU1wUzZMU2k5LTdyOThWdndZNXR5M1lZSkUxTGh5MVM3eFZjZkFFZXpzOW1ia2kzdDN0UHRBQnVuWEg0OFpQaUhPZG9makE9PQ== | Z0FBQUFBQm5teE5RdnRtbTJtXzJycE02UXRnbFY4Z08zUTVHaEpUMlp3YV9pQzVoaW5yQUhsRHNRWmh6TlcyWmRWZ2llcFAxbVUyQ19nUXdvbFZpM01HSWJONjNINDR5NlpfVVFXUklxY3ZmLUhpSDZQeHhwYnlWbnJTQlVmQU5Gc2JWeWNzU2VfX1ZyYXlRVk4yd241eXk1bkVmTmROaG9BM2FlaDdMN002aXN0RnUzMFJxXzFOclN0WERya2tHR3dkbURNVTN4MkVZWWN2TnZoaEJMWnVCelotUGgzc3NfUT09 |
Hi everyone,I started write about btc ebook that serve different content from others because I want to contribute to adoption of BTC globally.this book tell btc is 1000% inevitable,crush and destroy skeptic argument which you can you use to answer anti btc foolish argument. in you guys opinion should I continue? And do you guys think it will be useful? how do I can sell this book?
I will give you guys free early access to my ebook(for 50 person) after I finished it
I'm very excited to hear all of your response | r/bitcoin | post | r/Bitcoin | 2025-01-28 | Z0FBQUFBQm5teE5QeHFKTnpoSWRXTDFWOVdaNnZnZ3A2ekhnZTNUWC1yMnJ6RUhQbWZkYWF4TEZVTEFNMWdFNlY1NHUtNkRPZGVacHRFdE1MRkxUZk55RjBwSW9MS0IyNXVzODRuSjhFc0JVaU9NNEJsSVh4VUk9 | Z0FBQUFBQm5teE5RZzQ1WW1fY1U3dmJsYXJHNGhzempHVVN5VTlXX25INVNfc2t2TzZrNnF5N2ZpZTZVaEtXLWtnMWRfb2duMTdsRktHb0RVZ1o4a1h4R291WE1VQkJxS1pseEVNcUNDX0xtNkxPdmFBYklFRDhlV0RqWUxjSXJrMEZSakpHUVV4U0JXajJ0ZVhNbnVySFdJbGRrZHIzcDBsbm9LS042TDRmb3ZKaUtXTWF4TEpzPQ== |
Hello, for any support requests please re-post to r/monerosupport | r/monero | comment | r/Monero | 2025-01-28 | Z0FBQUFBQm5teE5QTkE3anJsWnN2SEJ6bDl4YXg1ZTl6N3J1NzFTWF9vTmxHUjNoUGZzd3Z3eHFneXg4QV83ODhfRTU3TDB2bkVKWjZjc09TTDQ4bnVscUJvd3p4TU1jTGF5WTFjbzVvV1BnR3ZoOUZqX3dUM0E9 | Z0FBQUFBQm5teE5RNkN6TVkwWmF3Sl95QktvRmNUX1R5UmRQbFVZQjZYRmszNWZ1bVNjS0N5OG1jS3NXLTJPd1pOYTZ1Tno3VzE0bk5JcWZxdVVpM3J5YXNxSlFNMklpU2pMemJTZFZLYlBVbmFraGNHX3JkVE5aMVpJWjJrcDZhX0M3UDV2TEdkbTdoclNGc0hHNS1tUUxhZ3pOMlM3T2k1TXliU1FzbDdMLVBZdDIzNGFfdl9Od05OazdUT2IwaUEydmFDZEhfM3JO |
# 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 | Z0FBQUFBQm5teE5Qb2k2MU5jT2NRMFVObm1lTUVCTUpfaElKZGlvSzh5RUpjajNySl9ORC1Zb2ZWTkQ3bk5GX3l0NUt5QTFTQnNBdU1KNnNVQk9CTHJXLWNoWFNsNUZ3MkE9PQ== | Z0FBQUFBQm5teE5RMHAtMktrT1gtcjFZdlN3RW53Z01EZUtJZnFHM2NvLU9ITlhiV0o4VkkwTVBRRC1oUkw4d3kyOXY5bTNtQmFQN09wTW1WRFBaYXBZRy02dnhnemJGSkRSNURwc3M4T1ZLQ3NMWHZyNWczdzFsNjhyUExHTzFmVHFkUjEzWmVta3RXVVJlRldQUHJONE55V1JXelA4OHJfSm53VFh3S3VSLS1YbmJZeldOTkViNW9Mc2lLUEZQLUJhYW9Eem9GS0FPaXBOR1dIVmZXeWxNcFZVSFNMazZqUT09 |
Not really about monero | r/monero | comment | r/Monero | 2025-01-28 | Z0FBQUFBQm5teE5QNVk4bzVKdWFrcDdYVlVCZDZJVzU2OURmc285TVdzYVA4Zzl4c0V0ckJfc1pOZkZjc2cyYzNBM3ZfbW10RDhreVlKeTJyU2I3a05tdkJ6NExNWDYwLUNVSVRFeDV1cjV1MWM0VzFpcDJhd009 | Z0FBQUFBQm5teE5RZmItM3pDYUdoWXZkNVRvMXM5eEVJdVlNSG1ERmdvSDRNb2RUR3M4T0k5aG00dllzOEZLc0RHZHFwUWVBVkQzRWJYd3JvbWhPYWczcWNZdWNBa1pyUWpGZmRuS2RJSk5XcXF5YU80WE8wZ0hseEZNYVVZMUNPczRYWWhoVkZnZHlrTVUtX1JwQ1lsUC1vaFgyVzF3LXhzRi1Bd1RjMkVVMkpMRTh5YnVUdGV1bTc1YjliaExVR3NiX25tZi1TZ1NmSVZ3U1AwcnRXT01sMFBzQklydDFDZz09 |
This upgrade will be seamless for you. Only full node operators need to make changes to support the upgrade. From your perspective, this should look like a regular hardfork. | r/celo | comment | r/celo | 2025-01-28 | Z0FBQUFBQm5teE5QRkRXTEFwSVBtaTNOVWIwWG9WeEhkVmdDM2plUGdBQ05UM2hZcGFBeFlONmd1VDhGdld4MEo1ZHVkaUZwM2p5Z1U1ekdhSmx0X2Jac250RW03ZGl4N3c9PQ== | Z0FBQUFBQm5teE5RNGtiQmNNT2FhaTU4V3RISnRYQ3JpT2l0UmFGT3NIeWFGcFg2QWFGSmx3VnJkWkV1Yy1WZElNVDdJbEZBdUtzcVplcWRYZ1lKYkt1NUxDZlRtaEd6bTNKQkRJcGh6Zmk3a0x3Rng4eV9NWGxlaE5OTWppVFFrTl9ZdTFIdndBWTlrakxTOENsaDZ0S3VjOXUwNHppRVd2aEFfd1hxMmRMZ3BuRi1ieXN3bS1zPQ== |
If I want liquid cash in hand way before the age of 60 without paying penalties, I want to know what are the benefits of investing in a 401k/Roth IRA. Wouldn't I have to wait till 60 to have all that cash penalty free?
Does it max sense to just invest in a taxable brokerage account instead? Educate me please :) | r/fire | post | r/Fire | 2025-01-28 | Z0FBQUFBQm5teE5QYW9CQzFvNm45eFpQX045YS1MOHh5QjBLLUU0RWxGaTAyMVZ1SUZkWnJkaEhXTlpUU0VOLVRhMDVnQkVCQy1qZ0s5VXNuNGRVVEhubjFhRHVYSXlLUFhtY0tYVXR6a1BvSG0xQ2tybV9QNlE9 | Z0FBQUFBQm5teE5RYzJlc0NoOGZILWZvSU5JNldrWkx4NVdkcmk5Ym9SbFphR0hHMzBGZjhiNFNLMzZZNWtUNVJvTV9PVUZrdlRTWEltTy13TnhSSndYQkpxb182eGZkMkpIVWR6azJBeHJDY0dBX3RmeXluTkxTWi1DUlF1NEtYLWliVTJQMHEzNUZ5LUQ2QllBN3lsak1nMi01b3NfM1laN0ZjSTNoemd0QTB2Y2I5YnZ4WWM3TTN5MUFaZjQ1YzJmSXlCTnd0WHBp |
Ça te permet d'obtenir une meilleur confidentialité. Il est generalement deconseille d'utiliser un noeud monero distant car cela engendre des risques pour la confidentialite de ta transaction. C'est une question de confiance. Beaucoup d'utilisateur utilise leur propre noeud et sont autonome.
Aussi ce subreddit est anglais. Reddit a probablement auto traduit le post. La prochain fois poste en anglais. | r/monero | comment | r/Monero | 2025-01-28 | Z0FBQUFBQm5teE5QeHBEN1RDblU0MG1xTE9may1WTTRkbDRwWExWM2N6dXFZeDMwUm52RXdXLU43R2RNbnhNOGJvWFRacGcyTkV2MTJPbm9vbVdUMHdlVHZ2MEV5eEJSeTNWVTd5anZid0VnZjdnZnFlWXFFczQ9 | Z0FBQUFBQm5teE5RMXJzMlNMSTdQcWV1eTE0ZHRIeEdMSzd2VmV3bkZ4X0VrQ2szTnh1aDJJdlNSZTUtQ040R1hCNmlCT2ZxUmZQNFdGT0lRQ1JYOWZaRzI0ZnJhLTNHUWpJdTdTWjF1ZXRQQnh6MVlHZVpJeG5lMDgxNS1DSVJyNGZLQWNGeWw5eE5BVkRtemhwOGEwZWJGMnVXTEQ0Q2huN2oyMi1QRU5HYUhzNTctd3NHMjA0PQ== |
https://x.com/versanaljarrah/status/1884089814250897580?s=10 | r/stellar | comment | r/Stellar | 2025-01-28 | Z0FBQUFBQm5teE5QWGZLXzFqSlN3b3NNUTNiZmwzakVoTzhpU0ZtV2NWVXVqT3QtX2tkaDJzVVkyQ1NjT0ctaG5wUEp6NGMyT1BlWTEzWEl0b1JJLTRBa2pCYi1rUmROUmc9PQ== | Z0FBQUFBQm5teE5RdHllT0E5VGkyTUFPU0FJbE44dnlJUjFmbFpic1g4ZVdwVTRmczZhT3hlV0tTLVMtUi1KMHhvNmQwdk5ZSjhQcWhab3hwNF9wTkE5TzhqZExYMkp2TXpCd0h5SXplZVhLV194OTY4aUxwcnBSWm5na3BOd1B1X2lVVkpLZnRUNktrR3JHbE9kWExuTGlwYVB6bVBiemlVLV9UODY5R3dlVWlObUlxYzJuWUlZPQ== |
This week is packed with action: major economic events + big earnings reports. 🚨
If you’re holding a SMH/NVDA/AMD position, ASML will report tomorrow at 1am EST, so manage your position today. Could be wild
https://preview.redd.it/trw72ijqpsfe1.png?width=1482&format=png&auto=webp&s=749c542247537ae7907a78c2fa4ce83cd98f1b39
| r/options | post | r/options | 2025-01-28 | Z0FBQUFBQm5teE5QeElMOTNmdGdjbVN5OU9oNWRuNm9tWDRCTHdSdk9lNXhRYS1CR09BZXozeExzOGNfbVFfbG9FWURkQTY3ZVBBaGZITi1oMVJob1gwQy1MbzJqYW5xNDJoTXFpQWJTVGdmNndaMk1fUlR5UW89 | Z0FBQUFBQm5teE5RODI2ZjNDU1BIcFVxNkdIMmE0TmpxZVNqc1B1bW5oSGttLUxBVnV0emFhd3JhTzZ3OXBLRkNzZjFOOWkzWXgwLTA0c3ZmN3FrcnR1QnV1M3pDSWhyc1NwWHB0T3NnSXVuaW1vbnpQTFVtTDlnOE54TEFOVW1IdzRtbkROQWFkb09LaDZxZVNDRmFPb3Y4Tk10VWI1OEhNT1F5YzhMV0QtYktFb2ZGa012a0VzPQ== |
yeah i know baguette baguette talk. dear english users ignore this thread | r/monero | comment | r/Monero | 2025-01-28 | Z0FBQUFBQm5teE5QenBPelpVVHZTQjBxYVJjZ1NuWWllYmNUbW4xQVRHY0dEeDVJR1BQU2trMlJOalVyMTZCTXlyc09VRThRR2YyQ3FITFEydWU3TUF1X0xxS1FlbnpDZlVBWFM2ZVpEVnhJdkJhYjQ1WUJVdGM9 | Z0FBQUFBQm5teE5Rb25XYVBWenMxYmZoVEdvTlFSeGpLUkhEb2NfcXFSVUNJRjVDd3g3d0Y5MVdYdE1BU0dOMnE0NThNelhvUzlrYk8zd0VMSmdyM01BamhlTHZQcVRWRGthR1oxbzk5cVZ5ZXlhNXdVOF9rbUc0Uk1tRnpfc3VpSHEydnpya2x5Z05vVFYtdm90OHBXOXk4dTdHWFNPejRVQnA4bmIzMkF2Y2RQMjhoX0ZBT1Y0PQ== |
# 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 | Z0FBQUFBQm5teE5QYlhWYkxwQkh1OTBjZWhoejNhdnNnV0JtMzRhY2g4Q0RLSHdMMVh4UTgzSDV1YXBjakIwY21Na3BMaUR5VjFhYmFGa1FYa1NRd3dKV1pBcHVHVGtXcnc9PQ== | Z0FBQUFBQm5teE5ReVpPOHpiMUVBekd6WjUyTFhaUHVBY3J3UFNuQUIwYklqdV9pLVZfcTlnYjBxb0RmdzJ5U0lJcldLZTFXbTQteExfVWVmTkN5d3lnaXZDbTFzdmt5RW9ObUFNMlNfNVplbmU3SzBxSzdHUFoxdS0zRkRpWHdVZEJKZllKY0YyTHQwZm1ZcDBlNjFvRTFSMmhiYV84U1RQUDd6NTEwNHVUOEhOemxRYlJhSWhFZmFVUWNUUGxYOW5LcGlaN256dF9fS011a1ppWW1rQVBLb3QwUHVCaTl3dXZhMXdCem9LamZxYnE3Q1BadkV1TT0= |
Read the title these coins do not pump am fucked | r/cryptocurrency | post | r/CryptoCurrency | 2025-01-28 | Z0FBQUFBQm5teE5QcUdmcGNha0c3QUU3SW1vSzRkVWhtY3RwVHhLX0x2UGU4QktnVld4QThOdXpKRE9vSG8wX3JZUlRVcl81bF9mTkl6amUwYkdERDVXRnpYckVONGxaN2c9PQ== | Z0FBQUFBQm5teE5RbGRPV0oxaGVRTWU4WE9waC1Yc3lKTVRaYWpMY0V5TzJPYWRuZUh2aVJrcmV4SzBoOU1fTVZVR20yYnRqbFZtWVBzZVpkQlIyRkg4ZGlMLTQzU25IUnFaaTZIUjBJMzFJdFppNU9EUFpzdU1fSHVVWXFnZHpjcFhGWFBLRmJoY0tvendNNHRVd20tT05RUHdLM21zUV9OdXc3NzlELVdMUXVtNmdyejd3cV9RbS1pVTJpckJ2NFlaZ0pVbVN3NXVYMm5oMVJzT3k1TlJ3U1M2M0w0Zkl3dz09 |
Hi, can please anyone help me with this. I need to remove liquidity from a Raydium pool. Can I do it from there directly? Saw some guides to use a third party app, but that seems sketchy to me. Why can't I just do it from the dex directly? | r/solana | post | r/solana | 2025-01-28 | Z0FBQUFBQm5teE5QeWxmVkNpamxTLWtLU2tEVkd2Q25EcEF6OTRJa21waTdCYXVIZGF2Z0tUbWZFWFBBRWVQYXdDZ0QwTlNkTHkxYTVCUjZQZzNkanVrSVhyS2dRR190YkE9PQ== | Z0FBQUFBQm5teE5RZm1RZlphUm5vRGlGVEJBWndWb2VaSnFZdFVnVjBlZWNEc2laTk1CdlE1clJneXdfU3hJM0g3ZUZzTkZoVnVKRFAyU1RfOFJsZ2haMFJyMlVGUjNBSHFtSHk4S1laMVJrYXFrYTdwTHc4WXh6RVdvRlVCUDVDdWgtLU5nc3g5WWVMcFBLd0d6Z2lkbGVOMEhaMkFBWDA2SmpiMDFNaEhWN2t0dnZ2T1ZiZ3FsdmZWdDV6TU1oaW5SZjhCSTczZUJ3 |
Hi. Can anyone please tell me how mynd.ai is able to give a dividend of 400%+. | r/dividends | post | r/dividends | 2025-01-28 | Z0FBQUFBQm5teE5QTEh2TE1vSVl2TmVuRFQwYU9qVDhIYnVHNGJCYm5vWElQa1ZaUUdULWxiTzh4Z2JQdjNRWTFVd2hRRjEzSUdyWjNMb3ZmVWVQdjdaX3JncmNybDZ2cGc9PQ== | Z0FBQUFBQm5teE5RTVlhXzZkd1Fud3NOT0ExTUFobDRKcmVqeG5vd085TFkxTEM1amY2VzZlazhYaHB4VVJNTWoxYjhMRnctdlpsbjJ1cnRDd3lKOTI0RVFNQkE5MndfZWRFQ3JKLW9HTzUxc0REZGo5a2VFckhjSzcxaEFQYXhWUWdfbFhENlF5eFVjZ190bnR0MzYwbmZid3ZwNjE0VGpnPT0= |
ETH is a fork of ETC, ETC is the original chain. Even Vitalik told people to mine ETC once ETH became proof of stake.
Will you become rich quick? No.
Does ETC have a future? It's possible, I'm holding and hoping for the best. I only invest what I'm willing to lose anyway. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-28 | Z0FBQUFBQm5teE5QekZHWDJWdzdjOHFyRThnaXgzUlBRVFNDc01lbWF2TGMzN012Sjl1aFpQcDc0Wk9oN0hlRlB3anM2Q0ZSNmxsbV9ZQllsSnpRbGpxNzViQjVod0MwcGc9PQ== | Z0FBQUFBQm5teE5RUkpKNFl2TlZqZVhHMmxva0x2dUtheTRvelVicjd0TnVkZ0lNMlY3M3F4a01iWll4VGpDVVQyRm92dnlGaDNqOEk1QnYwRnhDVWYtenNGdUNPRVoySEhEeWVjS19NZXA3YnZrRndxSzVvOEkxXzhLZFM5MGcxbTJKN1dCb2YyWnpKZ2tIREZVUi1UeW5qZ1A3MFh1cjctX1dqTnE2UERDNzZHdVdRWE1Wa3VkQ1BzT0dmWktxSHZRenM4Mk5Lb3BO |
I have been trying to get into contact with an advanced Mohela agent for the past week. I am currently doing the standard repayment plan, but want to switch to the Extended Repayment option. Every time I call their (singular) number, it’s takes hours upon hours to get into contact with a human. However, they cannot do anything helpful. I have gotten into contact with the first layer of agents around 5 times, and each time took around 4 hours on hold.
The thing that makes me feel as if they are intentionally not seeking to change my plan is the fact that everytime they transfer me to an “Advanced Agent”, it takes 2 hours and hangs up on the spot. The initial agents are very apathetic to this, and state I simply have to try again.
I have sent multiple emails to Mohela, with no response. I have called at various times throughout the day, and each time has resulted in nothing.
Does anyone have any advice on what I can do? Is there some form of administration with a secret number I can contact? Or do they do this intentionally so they don’t have to reduce their income? I merely want to change from a standard to extended plan.
What are the prospects of changing providers?
Thank you for your time, I just needed to both get the frustration off my chest and ask for a potential solution.
| r/studentloans | post | r/StudentLoans | 2025-01-28 | Z0FBQUFBQm5teE5QTE1zQlo2VHpZclpJaTFpeFdTcHNXcUtyYWR2Y2xxUFd5a1VxS1dOMU1yV3NUeFdMaDhDOFRSMGE1ZFpsTHNEeW5BNVFEQnVrZEpDSWRHQ3RYdnpTRlE9PQ== | Z0FBQUFBQm5teE5Ra3FqTWdtcGhhVUp1dThxYmJrWHpuTTBSMU5TQi02amFUczVEbDRRYjlRaWtqWFJzT2htbldOR2VTYmNNaVBFbE5PcHI0UXU5Rmo5U1preFpuMU5CeE5DNEVsc1hNYmFjSGlmaERYSUw4Nk8zNElEWXNBRU8zT1kyRWxDM1gwMVExNmJsQ294T0hXcVVQUEgwd0xDX2k2YmNfSkZKNTB4eFhlY2Y5QkxMdFl2U21ZeTJpZzlQS1ctUDk4SVlYcDB2VllRVEo5WFR0dlhYZnFWRnR0UzNtQT09 |
The fee is too high using my debit card. P2P exchange rates are good but I've heard its not safe. Is there a better way to purchase USDT? | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5Qd2R6TTJ0d0NYX3NXc1F5N3N4dFNlUU9BakEteHJaTjVkdUtfdkRtNDhOcDRuN2o0MEdlVmVzSzl6MW9XdXNFVG5ndzJqbTBrVE9fajBKV1d3MkRQZjBQbGhsWW54UzhfZXBtcllrRUpSVWc9 | Z0FBQUFBQm5teE5RRXpveEVZTnlORzhra0xMck0tSHdCMWNTN24zSW51alRSQWRPdWxtbWV5MktQU1R1WEFsOFUtLWVEcU8zMmJHUHJnYzFwSzU4V0d0RWF1alBROGxTc2tVaDRPdTBhZW44WHo3V3VZU0RxYVRMc1pFZVVEMGFvUDJ3RVgxa2hXSVVTTHpNblNfQm9kLU1IbGJOYTZBbkNWUk1KR1NRdEh2TVA4UDIxakZtbVlPOWdLRU8zelJfUXFzRW9GVkVRcE5DbmJPR0lrWXVkT2p4NlBJeXJ2OGxudz09 |
Looks like another day to grab a bag. Stay safe guys, hope you get in for the price you want and get ready! | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-28 | Z0FBQUFBQm5teE5QdjBqUHVBTjFNeUFzdXMyRUpRMkNIZTZ5cEZVRmFDT1VteEF6TVAwZm1iYmxtSDN0a3lWNkYyR0xpWkRmaWhOMjlDMV9jbDlrT0tiOTlOWGRRSzlHTnc9PQ== | Z0FBQUFBQm5teE5RUTYwdUl2U2ZOR0V1czJzc0trTmt0MzhubWxQS2h3d0xKUHhyODBXSFhUbmZPeEkydmFmeGZDRlJ1Xy01alVhb3JvOEpZVjBYMkgzYmd1em5nMVhXZC1rdG13UGVmNlllbW85NHo5V240eHdTMjh5SXlSbmppYko4WTVYRzlWWDdib2gzWUx2MWIyN1RSRTNDamVzRGhOcUhFM01KV1NWWnNnNmFHbnVNaUlUaVp5MnR3VnU2OHpTRDJUVWF4cGx4ZnpxbFJJRjRqelBQUTlOZUdqVlFTUT09 |
Currently a freshman at temple university, I took a gap year after highschool and pursued welding, I realized that I didn’t want to have a blue collar life and so I decided to enroll in school. Currently a finance major at temple and my yearly tuition is about 31,000 after receiving little financial aid. Now realizing that I will be walking out of school with about 120k in debt I am somewhat unsure what to do. My parents said they would help as much as they can with my student loans but 120k is still 120k. Any advice for getting scholarships or having a full time job while in school ? | r/studentloans | post | r/StudentLoans | 2025-01-28 | Z0FBQUFBQm5teE5QQVo3cjE4RHRMaDNaWjk0MjRaMGRaUnNVVGt6bTVkQ25yVFhueHBRRlMyaUFOTVFSRUFraVJnejdvcm84ZjNvTFFTWWdfOE55bXNGdTZQQ0dIQkdmeHNheUVHcVRPeVJmRnJpUy0wT212U0k9 | Z0FBQUFBQm5teE5RTlRPQVpyd0ljRmszNEFtU1VVSW03RW9JWEFyZzVkVjVIQnpQb3M2NmVjYnpieFhJclRDV2t6WC1BYUN3anREYkgtR0E4UnQwWEQ4b19oTFNTY3RydHJfVzhlSmdZN0s2WFRDZFBidDIyaXl2bUM2clZoTGVHWXNNVTNNeUFzY3c3eWVyUWZPTzdtOTRrRjRPTXE2NGFObDFGRm5FdVh4elhkTk5MNHM4ZUZvPQ== |
I am....wildly confused about whether or not we can get a deduction for contributing to a traditional IRA.
Husband has a retirement plan through work.
I do not have a retirement plan through work.
The wording on the IRS website is incredibly confusing. The IRS uses the word "you" when explaining the deduction phaseout. Which you?
On the one hand it says "If you are not covered by a retirement plan at work, but your spouse is, the phaseout begins at $240,000."
Elsewhere it says "If you have a retirement plan through work the income phaseout is $123,000."
Which is it? If you're married and one is covered and one isn't, I feel like both apply. Please help. Thank you. | r/financialplanning | post | r/FinancialPlanning | 2025-01-28 | Z0FBQUFBQm5teE5QcHg4VFo3Q3dYcEptVl8yVTJvN2Y4RVpEMUhncHI0c2hMSVJuTUpXODhuWjAtUV9HWFRIVXVCcGdQUHAtcDRLeE1xZkNxdF9GVGJaNmxYZm1mSEZHZFE9PQ== | Z0FBQUFBQm5teE5RVW82Tl9uWnhOMmFNai00REl0bGE0RmM4bFlpVC1VLUhmclNpZmlqQ0lMeUU5MzVjVTA0c3d5b1ZPeUJXbDdMUktMcHRIbjN1amNqU2E5OVAwSWozMElJdWVLbGlmWDNhUG51OVdzNG8xdTV6ZVFQTDJJdVg2X3pLekUtOGlSYVl6eGhHTkRvcU5LeENKZzMtbnN6dTd0Z0hZSzNMSFVzVmVuOWJkeW5pWTFtVFhVM1AyTFp0U3RUbDk0bm1VUjFFaUdrdjBLX0M0dlE0ajhlUVVYVDhvUT09 |
I haven't worked in months. I did for a short time after a bad ankle sprain, but due to incorrect advice from doctors, I reinjured the ankle badly again. Started fixing everything, then had a mental breakdown due to circumstances and ended up in the hospital. Thank god for getting health insurance through California for that. Sadly my savings are drained, I'm in massive debt from a loan to make rent, and whatever I have left is going towards rent, utilities, and bills.
I barely have money for utilities. Just having fun talking to a case manager most weeks and hoping for the best outcome. Can't do physical labor due to my ankle and back injuries, and can't do sitting jobs due to my intense uncontrollable shaking and mental well-being. Thank god for food stamps. If I could find an employer who understood, that would be a godsend.
I'm looking at my apartment and all the small things that I can sell on FB marketplace to just make through another month until things improve. I'm fortunate I kept my monthly expenses as low as I could before this all happened. That I followed this sub before things dove downwards intensely.
Anyways, this is just a rant. I'm so sorry that more of you have it worse than me. I wish that wasn't the case. I'm lucky despite all that I've been through since the end of September. All I can keep in mind is "just one day at a time and we'll make it through." | r/povertyfinance | post | r/povertyfinance | 2025-01-28 | Z0FBQUFBQm5teE5QMlJQMk9GNnpGT0d5MDAtVFVuYl83MGEybkNPVWlSVWlkVXRJZF9RdkotV2hzV0ZvMFc5b1Q1UkxyX1I2T2tmZlNjNWxFWktZNlFCZE9aNVNGb2JzR0E9PQ== | Z0FBQUFBQm5teE5RNTFyMnQtRUQ4elZvTHpRb1c5eDJOVEJmaDByM3U2Mk8xUjVWSlo3c0ZCS0xzZnVJdldCaTdFWG9vUHJvWGZEN3FXNVNENnRIZFh5QklqVUtVNW1sbUZMNGYyZU1BbkpiRVJJSkVGLU5WYUZYUXM1NklrVUx3QTlqLTZISmJXS29fQWpBSVVBUkUzOEdiSjJQdmxOZmFhWldCc19CbUVWUUpXUmNSSWhabXJNPQ== |
🤝🏼 | r/altcoin | comment | r/altcoin | 2025-01-28 | Z0FBQUFBQm5teE5QUFVRRV92Ni0ya21EVEZVOThISkdrR2xqUGsxUzVON2JDbFdzdEJYQlN6cmRiVDRDOVJkN3oxV2dSOTBpUk1zQ01PUnp2bmhuQ05FcXkyVEhidHp2Zmc9PQ== | Z0FBQUFBQm5teE5RbnJFY2dUVDJNTnNoakt1NG1aMjVpejBRYlVQcGZzT29BYy15aEtJZ0JpQlNBY09BRjJfWnA2ZmNtV05OblhuT1BIalN0bWs5WW9ZeEtkN0hndzZMUFFPVUc4MWZLbHZJVnV3SWNjTjNtcDUwWVBFNFBBWElsY3ZwZHRwS3Q5RkNjb20tZ3VmVElCNXpBcndNM0l2ZndSV3E2RTQwS0xsZlZMZlRmMnVPZUdveUlUdjJWcmdfUzNvS05XaHFTT3lHbDFkaVdXVldWajA5T3BSYlBXTXliZz09 |
Hello!
Years ago I met with a financial advisor and he set up my retirement accounts. Over the years, the accounts were held at different investment firms - American to another to another and eventually ended up at Schwab. A few years ago, my financial advisor sadly passed away. While I have no issues with the folks that took over for him, I want to venture on my own given that my investment portfolio is under $80k.
I would like to stay with Schwab, but don't quite know if this will affect anything. Do I just remove them from the account? I'm very new to this. Your help is appreciated. | r/financialplanning | post | r/FinancialPlanning | 2025-01-28 | Z0FBQUFBQm5teE5Qamp5RE5oSzcybV9LMHhDQzQyRTJMZFg1LXJXbDROWm11QWhXNjVwOTVJUGdWU1lkSG1yU291a1pBRWE3RDVLTUwxSXpwOXNwUDdtNFV2M3RFSThxbkE9PQ== | Z0FBQUFBQm5teE5RVEllM2tXMUpWcmlZa3Z6THNjVHJCdm5sSHZpT0I4T0ZfT0hpV2NDR2ZSek80b3B0a2Vta2MydmFHRjByNGxJaFRvTnY3ZEZvSWpQbFBCM2szQkVPZlZCRm9wbW1wUTd3ZGNxMWhKcWdnMXlKc0ctcEpIdnV6Nm0yNHE4YXVpSHZTM29lYkREdVBMNU5rM2JkN3piS19XcW5SUXBWREVVQkRwVHhWcE9nRFFWMk9UdXYxZms0TWtPV0Y4VFZWSmpiNV9XeFFoSDdVRVhMX0lreVZjcWo2Zz09 |
I've been researching p2p cloud computing and it seems like every new decentralized cloud services org just creates it's own new crypto token to pay node operators with.
It would be easier and less confusing for me and others if there was some sort of cloud service standard token, and might lead to more widespread adoption of decentralized cloud services in general.
Perhaps a standard token always valued and the same amount of compute (some amount of cpu cycles + some amount of RAM storage + some amount of persistent storage + some amount of network bandwidth + etc. etc. ).
And additional tokens always valued at the same amount of only one type of compute resource,
like a just CPU cycles by itself token. | r/cryptocurrency | post | r/CryptoCurrency | 2025-01-28 | Z0FBQUFBQm5teE5QalFvZXlRd0NRNlVZNUg3WmE1THF5SEVONTF1a1VoeGN5T3k3cUtRaUxaZ280b1l1SWtCSFpZTEx4a0lOMjAycU9EX3pTSFVfN0Y1b2RteE5VeVZVVXZfX09yUFdaZ0djVHZRN2JqNXZ6VFE9 | Z0FBQUFBQm5teE5RRTN1bkVLWTNjU1lxcEpUYkdUTG1teDdpazFpQWNYU3RTM3IyT2FtZndSRG1obXlHaXh5bjJtc25jN1hSLUQxQkpxdzRVR3Myd2xhZWU3U1FQek5FRUVJTmpFM2haUXRrTUl4Tmd6UlgwZHN6dzNKSFBQeVR6X2ZuVmgzX01iSVR3VGhRSURkZjFHUlYxT0xZaEhCb3ZaZ0N6ZFotamdmX055aDJhRVBsbk9yLWRuZWxJa3hjaXY0My1fWW53UnRRa2NuaGhkeWJPVjFtNkxteU9uYV9SZz09 |
As the title says, I have about 100k to invest into my m1 finance account. I was going to allocate it in the following percentages:
* 45% to SCHD
* 45% to DGRO
* 10% to (insert suggestions)
I am in my early 30s and 10 years into my employer retirement with a plan on retiring at 50. I was thinking of 10% into JEPQ or something similar. Any suggestion or help would be greatly appreciated. | r/dividends | post | r/dividends | 2025-01-28 | Z0FBQUFBQm5teE5QSmZGT09GbHFfY0ZuUktoQlBUaGZKX2ppbDZNREU4V2dnX0FTaHJJR0pxVHJ6VVFPZWUwdGdSWExtR0RiOTlwZmlzdGViQmtDNnRXcktBSWdva0xwY1E9PQ== | Z0FBQUFBQm5teE5ReWNhSWNtcTRKeUVIOFNGVmhveWZubG4zc05RSVVhS2NuV09NMnE1YVlMaFlVcHVNNU1NSUktWm1weUZUMkU5LUo0eGtKR25ZSURNN1RVUV9LWVg3VHdkTjBtSXZWTkNQckNRTkpCSVp5RVRWTGw3UVY2cF9uLUh1alFXSTRidWZtWEh1SnUybjNzOVlRRmM3ZGdiV1gwT0NieDRFaV8wTk5LbHdXUnJUcGFOck9aWkZzbVVMdzRRNWFKb1UtNk96QzQ2ZEp0MTF4WURrNXloZmw3VC14dz09 |
I’m thinking about making a business, I have two podcasts with two different people and the podcasts are not considered a business just self employment. I was wanting to know if it’s possible and good in the IRSs eyes to make those podcasts into one LLC and make my co-hosts employees. So both podcasts incomes would go into one business account and I’d distribute it from there.
Also, like I said I have two podcasts so I’ll call one 3TG and the other 2BG. If my co-host from 3TG bought something could I just use the parent company’s debit card for that purchase for write off purposes? | r/business | post | r/business | 2025-01-28 | Z0FBQUFBQm5teE5QTkRYR1Fzb0tTUWwyUElHTWpGQ0NUMk51SzJFczJ0NjNKV0tBdk5LTmNQU0dlbG43WkJHV3poWERCMW9UQzk0UUl0cG90LThTdUx3RnNUcEJVR0c4VXc9PQ== | Z0FBQUFBQm5teE5RVGVNdk9tTEJSdXhEM1h1NGRlSk40TW1lcWxpV1ktUC1hOWZqTzFHRFNrcC1HNm5ZVnBOTWNBUnRkNkRqakJnUU1HdEdhLUNsbzJvM3ZDQzYwUDg0R19SMEw5UU03REc5cXJ0MFZVODJJZUw2LXB1R2xDZk9qSlI4NllicU91RGdNTk1Fc2dpVjM3S0VPb2VNUjZkWDR6MWgwVWNCT1QtRFR5QVFoRi1zaVRMRE0zelhoQ3gtWklLcmpDMHVTTlNz |
Make the responsible decision and take the extra 2k? 28th expiration makes me want to thug it out. Either back to Wendy’s or to McDonald’s? | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QVEt5RE9pdW80bDFpYmFCRVA5VzkwUEY1dDJDVnZDTk1BRGlDeGR1dFdLNWl6b0JKMXZRNVQ1dEVNbkVCa0JmSEZBSE5taXdXMzVfbE5rVEc5b2hSbWRlTkhWcTQxZkZEdWZNb0ZoUi1QZ1E9 | Z0FBQUFBQm5teE5RY1RDT2V5YUZTZkl0N0hFUXpaUzloZVlIS1pNX0l3NXhTdjczMVB4SmdpSWFqX3FpbHdCMlF1OUVwc3FOWklHSXZhcThMbV85V1gwVjBtUERkWnUtbVVlbEoxT21FNVZkLW9WUlVYc2ppZmd4QjlJMkpEU1djbWF0Z005MnJZS0hjVjAyQ0xWRFg3cTBiVm9GTDNiX1dUU2dfSnJQZzMxSHpQV2drYnNPMVNjPQ== |
"Bridgewater sees short-term correction for tech stocks but bullish on DeepSeek impact"
https://www.investing.com/news/stock-market-news/bridgewater-sees-shortterm-correction-for-tech-stocks-but-bullish-on-deepseek-impact-3834767
Hedge fund manager Bridgewater Associates said Chinese startup DeepSeek's launch of its latest artificial intelligence (AI) models could lead to a short-term correction in many tech companies' share prices but is positive for the industry.
The comments come amid a tech stocks sell-off prompted by the release of a free AI assistant launched by DeepSeek last week that the startup said uses less data at a fraction of the cost of services currently available.
DeepSeek's AI Assistant has overtaken rival ChatGPT to become the top-rated free application available on Apple (NASDAQ:AAPL)'s App Store in the United States, raising doubts about the reasoning behind some U.S. tech companies' decision to pledge billions of dollars in AI investment.
"DeepSeek’s progress is big news, but not bad news for most of the AI ecosystem," Bridgewater said in a note on Monday authored by Co-Chief Investment Officer Greg Jensen and Jas Sekhon, chief scientist of AIA Labs, a division within the hedge fund focused on developing and utilizing AI and machine learning technologies to generate investment strategies and insights.
DeepSeek threatens share prices for many tech stocks in the short term, Bridgewater said.
"This may be especially true for Nvidia (NASDAQ:NVDA), because DeepSeek’s success may encourage companies to invest more in achieving efficiency gains by optimizing how AI software interacts with the hardware," said the note.
Shares in Nvidia, a leader in the AI chip market, fell 17% on Monday, wiping $593 billion from its market value - a record one-day loss for any company - and dragged U.S. stocks lower. That drop was partly corrected on Tuesday, with Nvidia shares up around 5% in premarket trading.
| r/stocks | post | r/stocks | 2025-01-28 | Z0FBQUFBQm5teE5QR2o3Tld3SDRxR3RkWHRqYmFRV3c2MUNNM3ZCMDJRNGJPN2tEc2VtNlhuYmNTXzVjSmNic1dILXo3Mk1pcC0wdWRNYjBSNVljOWtrQjNuSWVXRlBfZXc9PQ== | Z0FBQUFBQm5teE5RTHRpclBXVGxvbWoxS080VEpta01CMjhYT0tQcHpsTVJQZ3h4QlltMGtpQzdod2E1LXlqWjRCbnRMbDctcE5SYk5MZmdna0o4U2xMV2V2M1hHOUs5anR4bFZOVkNiUmJ1czVBcTJuRXByUUgtb3k5elRPMUs4ZVNKeVNKX0hqX293aExXMUJZUzZ1TnBvM0lLYnVsMzVLSF9pYmVORTlQVDlOMkZGcVVnTEhPb0NWV2FuVk82Ul93WnZ3Nm8wa2twUUZlZzFKVUU5M2cwcVlFR2w4YjU4UT09 |
**Source:** [https://x.com/jpegsdotfun/status/1883908255329739116](https://x.com/jpegsdotfun/status/1883908255329739116)
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https://preview.redd.it/07agxb6srsfe1.png?width=599&format=png&auto=webp&s=c45d95938f3d000cf4bc986e9513181ebc329fb9
| r/solana | post | r/solana | 2025-01-28 | Z0FBQUFBQm5teE5QZlRyOWhScTdSWG9TV0ViOGNCLUY5dWxhUFdVaFVheVBQNllmaGctdDFTRWh3Z2ROdVFhQml1emxBWW4tMW5oeE9yZ1h3TGNqNWYtaTBhNVU2ZWdLZGc9PQ== | Z0FBQUFBQm5teE5RMDcxWmVsTlRVNGZOak9OZUdvT1JCbmYzMERWRWptakUzNHNJXzlPV2xMb25pR1pfbmdrdmNiRng3LVJ1REV1NEs0clE3UWlGSWFvT25qUTRrdjc0SHlTbmVWM0J1OXVoRS1PZWtMalN5VDl6SkE2OUgzOXVEeHVGbnFhRThqTndjVDdEZ0xVQ3loQ09QTUlQSTA3Rkw2ZTBWY1ljVENTYmFpVHR3QjNHd0Jya3RJRjM3VU5OQ3hOSkMxWlpVenBq |
NVDA crash has nothing to do with deepseek
Deepseek is actually only the catalyst and not the cause. It's the straw that broke the camels back. When is the last time you saw a public company in the top 10 valuation in sp500 have a net margin of over 50%? Never.
Also the growth projection that is priced it has 2 assumptions:
1. Net margin of 50% (gross margin of over 80%) going forward.
2. The rate of purchase will increase. Not only will people need to keep buying, they will need to buy more than last year, which saw companies fomo into datacenters.
It's not that deepseek will cause companies to just stop buying GPUs. It's that companies are not going to buy exponentially more GPUs indefinitely. Especially when they've left so much on the table in terms of software optimizations.
Even if companies still fomo hard into GPUs and datacenters at the same rate as 2024, NVDA stock will fall, because there's no additional growth.
If people buy more, but the margins get tighter as apple, meta, google come out with their own chips or tpus, Nividia stock will fall.
If sales go down and margins get tighter, it's doomsday for NVDA stock. Like -50%+ type of collapse | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QSGZsSnZBY0ZCcmxaNlNrTFlTWjJvWUtublloeXNQOWxOOFpVWDBjQWJDUEpKZlh0MlVUekQ0aWx1NDBXZ0tUMDR3bVFTdF9vWGFwaEYyY0NfMzdGNGVNWVhNZmt6ajVXV0tPYjhrM3JVdkk9 | Z0FBQUFBQm5teE5RWWxCNklleVUzTkk5TGJWQnhGc0pFdnp0aExUQUswaHNjYUVxVzdVRG1DV2ZKa3NIcVBzWl9SWU1mUEVmT0VqMjRleThsaVU1NFk1dHpCQUQ3NzFMYUM4cXFCclBlZDdGR2w0SFJGWDkzSldrOGF6am1SalprZWdRSmRoZG9sQXNwUFkwR0lHLUNncXBrSExJcC16QmM4QVR6QXNWZVhrQlhEMmFQRW1sblZzPQ== |
- Did you submit the application to FSA or your servicer?
- Does the accompanying letter from the doctor need to say anything specific?
- How long did it take for you to get approval from the time you submitted it?
- Did you have to stop working /quit before submitting the application? Or is it okay to continue working to see if you would be approved and then quit?
Any advice is appreciated! | r/studentloans | post | r/StudentLoans | 2025-01-28 | Z0FBQUFBQm5teE5QY0dlbmg2XzlaVFNEaWdZODZ1MnJlT3AyUnBRRy1XM3dvem55M2FSTnF5dUFyUnBPTGo0WGVZTEhRQmE4ZGk5NzFRWEhHbTNPRGxsMlJ2R1NHMFB3RTJ5X1NLOENLRjVDc1pwWEVpclpWVXc9 | Z0FBQUFBQm5teE5RczJmTDhqdUtkcFlIcWM4MEw1cDA5M3Z5T2tid3dZMXJuN0R4RVJaZUh6bjNiNE5GSmRsSTR0OGRoWTZ1Q1pmc2c1eHFUZTZ4a0JrblZadXc1cHE1eXhaTEFjbkUtTHdjQkhtekNiSHczem9iRF95c2RMODlLRnBiQ0VtSlRBUVN2bl9IaXdoWkVKN1dfYzA1MW5PMWNYWnpFVnZ0RHZYMlU0ZkNCaHRUd1p2TzdDR2c0dGhyb3A2bTZxSklVUG9RY1RBeEpFM2RMU2FfRTdrS0x2bnJNUT09 |
I’ve never been up this much prior to the expiration. Should I paper hand it or hold? I originally pulled the call because I thought of how severely undervalued they were but didn’t expect to double investment this quickly. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QUE1JblhTR2dENHhXOENBZE5YeEo1LV94M0NWeVRvbUtaRUsxelRHMGtySXRRbk5rQWVWdXlyTW5leFRxY1BqYUJPckFldGlYaFZnelAtTjZGXy0xQVE9PQ== | Z0FBQUFBQm5teE5RajZEY1pTdF9hZ0ZLeVRMZUMzWXhkMFBkdUozbjBjUVdMdjAzSFdsQUdQTmJGTlJvQUNpZ0tiWVZGT3VDajNXcGJ2ZWZ1Qk11T3NuOHRxbGxUTmpZMjBTbVdDSTV2a2hkRHVDTFpOODd6TmNWNmh3ejNwODNkT0MxOUNXMDZGWmxHLTBab1N4RUJoSHdoWjdQVTVZSTV0NDVSY2tONDA5VVdYQ3ZRcTJOV1FNdHJMVWR1Z05IRmp2NVZlRGRONnF4 |
The intersection between ai and crypto is potentially as revolutionary as BTC and Tao is the leader in that. At this point in time, I can’t think of a better bet than being long decentralised ai | r/bittensor_ | comment | r/bittensor_ | 2025-01-28 | Z0FBQUFBQm5teE5QajZ3N2hVS012NkN0UGRGNkRFUXNGc3RjNWtvbHFDZzBXWXdkazVpMEZvQ2ZxUE04ZURxbXlfLTQ3YUEwOGVvLUszZXhvTEd3VkFsdW95Y1hTTEc2cVE9PQ== | Z0FBQUFBQm5teE5RWEJBWnZHa2o0bURFVmJUd1RPUUppLWpWbWtIR0w3YzFEWFNPby05VDZuYW16SWVRMGwxQVdpbkhSUWlwZ2haX2xaVWNpQnVlS3ltRXZCMW94eXNoUTZyXzhEd3RQaXlOWFJteURhYW9FeXR5aGpMWnJaYngtczh5dGZtX2ZJdG83aldCTHlaMWhBanNjQ0I4RHo0NEItMmRaNTVsVFg3NFFNandVd1l5a19vPQ== |
Are deals on Zillow even possible? Or are they mostly overpriced? Am I just wasting my time as a beginner investor to look at Zillow? | r/realestateinvesting | post | r/realestateinvesting | 2025-01-28 | Z0FBQUFBQm5teE5QWHdCVS1Mamlfbl9QbTlSUVFLZUZvUkE2YjJYYXhBNkJ1Nk4tSUVlUm42QXNsMW9IWW1YYUJxbWY1T2tYRWlHVzh1cnM0U1hoYm8yWWU0Z2pOUk02emNjT1ltQU5RSEFtdDVMUXVLMU9mNFk9 | Z0FBQUFBQm5teE5RbE9HZ3J0MTdHVnA5TExSazliY2pXWG81T3RaYW9PUWNGcE9vVUMzSjVXV2x3eHNRNGl4alpRQ1RJMkVzb0JUbzdvbmliUWFUTWhfMFE3WVh5d21rcGtkZHViT2w3UzF5Q3dyMzhFSzZIQVFtdkRGeUtLYzB5dmxyNUZEQ1pHVGlwek1JaTlCNVZsZjRvaHVlRXdxT0hTN2c0Rk05cm9QVm94RlJGdDVVdWhhelJBME5mTFdyc1ByYVdpMGszT0sw |
This post contains content not supported on old Reddit. [Click here to view the full post](https://sh.reddit.com/r/wallstreetbets/comments/1icc42x) | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QbjFuVUVjYU9Bb3RXYVJMNGFUZlVzUDY1YTEtYnVvRHlsZHRGZmcxTHVnTzYyN00tTmdJemtWWG9vXzQ4Y1NlZUdwQ1FXVkpJMTczc3VHZmlTTjM1M1E9PQ== | Z0FBQUFBQm5teE5RUTdWbHJlMEpNcl8wMHNYVUtTcmZkU0J4QldVcE5PZXM4dmFRWl9rV3hKS0twR3V6R1VMclV3eGV0Yy1icEhTRnNKRXpLSEFHeEJEcDd4WXFhTzlVSGdTLV9uUU9IUENtcmNTM1ZIbmRadVRfV0E2aC1EOExyMlNGYkJxNm1JWURiYlFpSXNVTk1sSUJjdmxoWHV6eE9OSTJENXBpNHEyeEVkM044NTE4YV94WVFlY0Q2dzRNTXhEQmdhVlFuaEc2d283T1BpN1Y5bGhWLXJpYmw1QjRiQT09 |
My in-laws just moved to assisted living and my husband and I are trying to help them get their house on the market. My father-in-law loves to over-think and over-complicate everything, so looking for some advice.
The house is located in the Midwest (Iowa). Nice house, probably worth around $600K, backs up to a park, walk-out ranch, a little dated but not terribly so (built in 2000).
They had to downsize, so much of the furniture and belongings are still in the home.
We think the time to get a real estate agent involved is now, but father-in-law thinks that waiting until spring would be better. He’s obsessed with HVAC, and since the basement is a few degrees colder than the upstairs, he thinks they should wait to list until until the weather is warmer. He installed a new very expensive variable speed system just a couple years ago. He’s also worried that if they list it soon and it doesn’t sell right away that people will be turned-off by how long it’s been on the market.
He has a recommendation for an agent from two friends who had good experiences, but he’s worried because the agent has some homes listed in the $900K range that she might cater to higher-end buyers. But she also has homes listed that are $300-$400K, so we think it’s fine. Also, I tend to think clients do more of their own shopping these days since you can browse homes yourself online.
Complicating his perspective is that a real-estate agent lives next door to their house. She once approached them in the past asking if they wanted to sell because she had someone looking for a house like theirs. We think it might be a bad idea to use her because she might be influenced by who she wants as a neighbor.
We’re concerned about where the market might be headed in the coming months, so thinking listing sooner rather than later would be smart.
Questions:
1. Would now be the time to get an agent involved?
2. Is February a bad time to put a house on the market in the Midwest?
3. Should one worry about the upper end of what an agent lists?
4. Is using a next-door neighbor as your agent be a bad idea? | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QSk9nNXhZY2tPaUllZjZVVUVUV2xYbGlrY2xrQlZMV3VjakxFMWZrLTA3dXhSaFNJZnpKMndid1l6Q0NmUGViOExBMHN3WkoyR2FyX2RFVkJIUjNreFE9PQ== | Z0FBQUFBQm5teE5RU2tLSF9xUWYxa2RJaENNRmtkMDBYWGRISDlLWjZPOE5kLWFuczkwcnhZNDYwUkppYmhOQkJ3S1I4dVhPYlBOQ21XUW83RlVmMnJ0ZU9xZGt6QWdEaHMxUjFWaGN5eld0RDQybTFudVNhMDQ5MGNCbHJsS0xROUdvN3o2R00yZEdTQjlyZm00azhsd3lSOVlLUlVNVFJ0RU5hUU1JbkEzdnhzSHRWVnc3WFBVPQ== |
I am so close to giving up. I just can't keep fighting anymore.
I'm close to 3 months behind on my hydro bill. They've sent me a disconnect notice unless I can pay $100.
My phone has already been disconnected.
I'm eating nothing but plain noodles (even the nearest dollar store is close to an hr walk, then I'd have to walk back with what few groceries I can afford).
My cats have absolutely no food. Or litter.
I refuse to turn on the heat, just because I can't afford it, so I just sit here under 3 or 4 blankets.
I've only left my apartment twice so far this month. I desperately need to shower, but I just don't have the motivation anymore.
My EI hasn't been approved (company refuses to issue ROE), and my rent is due on Friday (I have $10 in my bank account)
Between things getting disconnected and my rent... ugh. I give up.
But you know what? If I can figure something out this month, I have 2 contracts starting next month... | r/povertyfinance | post | r/povertyfinance | 2025-01-28 | Z0FBQUFBQm5teE5QSFlhN0toZVpwRU9Mdk1lRTRqSEZ4bG1wTFVYZFpoc3BOVUVQQ3F2ZldVeW5JM0dVV0tSclFpYU5tWnI1VVdqUS02eksySWNlMWFqWnc0X2NBXzhBb0VoalZ2WVdxNm1sc2o4WEphMW95Z3M9 | Z0FBQUFBQm5teE5RTWZoWWJvNnR3OHU1aWVGcENQRWVGcEl5QXZOcm9CVTBkcXJndTlBdHZPN1NreHMzX0VLSlFSNC1hTGVQU0kxaWZBZDg3N2xMbUI0SU1UTXpYSUZJTnBwTWZqLVJZMnVpRnhLZmx0WGRSUzhjRlcwd01JLTFWMDA5cWliZkxTelpnMHNiaEZEMkt6X2lPRjdhVVI5ZTJEWE8zMzdIamMwV1U4enVIbWpmb2RrPQ== |
Just got an email saying I've been approved for "settlement relief" and that "relevant federal loans" will be discharged. I applied for this years ago and thought it was a long shot and haven't really kept up with the events of the lawsuit. Between Covid forbearance and this pending application, I haven't heard a peep about my student loans in years.
I know some people's approval emails explicitly say "full discharge" but mine does not. I'm afraid to get excited. Is approval an all or nothing thing? Or will they mail me a check for $2.00 like random class action suits? | r/studentloans | post | r/StudentLoans | 2025-01-28 | Z0FBQUFBQm5teE5QRUNiaS1TcDd0U0ZTMHZia09ONmNoaTNEc1dTN18yM3V3dnlmRS1NRzhQVGVWUG1NWTdlVU9CYjVGdGlMR2J3bXhFZnJIMXFXYS16VFgwUEdodGFJMTdadmkzc2RSRkdqclFtR2NsSklITTQ9 | Z0FBQUFBQm5teE5RT1pvSHZBN1pJUGNnb0hJNGszWWp5M0NqZ0VvdWhSYUhTWlFROHhoeXNMUFNTVEJPbEVFV3dYMkNldDdEcVhERktRNWZNXy1XaEltYmpKckdkRWZxX2tCY29WVTNkOTNUQUpPcUpUbmN4U0JuYnpEbElMc0t5SWR2R0tSYzV6Ty1pWDBuSzE4TUFEYnV2aE9ndHV6alB2bGIzaHJWUmM0a3NXSDRnV1NYSE5aZEl1TzNYbUhLVmtQaXJIMnNEMGZQ |
In 2024 I bought a home in need of work for $499K. Previous owners removed 2000sf of flooring, trim, and some cabinetry in the hopes of reno/flip but ran out of cash and sold it as it. In addition to their handywork, the two furnaces, two water heaters, and garage heater were in need of replacement. Since buying the home, we have discovered the below grade basement needs waterproofing with quotes ranging between $45,000 to $98,000.
Two appraisals were performed last spring. $525k and $528k, noting the poor condition, but not including of the waterproofing issue. Both appraisals said "The subject is older, and of inferior condition to the predominate sales in the Neighborhood, resulting in an opinion of value 20% lower than the predominate."
My math would say that places fair market value in good condition near $630k-$670k.
This year's tax assessment is valued at $805k.
Some key corrections for the assessment. They claim there are 4 full baths, we have 2.5. They say these is a finished basement, it is a unfinished slab, no flooring. They say there is a deck, there is not. They say it is grade B+, condition B. The appraisal says quality B, condition C-.
What is a good strategy for appealing this?
What would be the best things to include in my appeal?
Is it recommended to present the foundation waterproofing quotes, or not enter that into public record? It will be addressed, but I'd rather not share it with the world.
EDIT: I've spoken to the assessors office and they are not willing to adjust assessments outside a formal appeal. This results is submitting evidence to defend my price, making my case to a 3 person arbitration panel, the assessor makes their case, and a decision is made. | r/realestate | post | r/RealEstate | 2025-01-28 | Z0FBQUFBQm5teE5QbmVIS0o2d3AwTEZuUTVPTExzby1sY2JQcExNN3lNRXpnVlo1SGNVQ3Fmc1gzQUh5TFp2bmhhbXhrbUpqR0RuaC00U0pvM2VRWG8tR2RTaU1oTTE3TkE9PQ== | Z0FBQUFBQm5teE5RTW1hMTdVRDM0OW1rS0FTV3F0ZGZiRGpoS2YyUFlYZHQ5WXNWa1RkMnBFRjhyQkFtWGxBdlNDQVZkR0VQTzBOWFNCZmhTMTRqMGpVNkxYSG4zd25iTjV1dUhlSXJISlpLZ1U5dEtrQVM2SEY4LTZ6bHUtXzFWeGgtT2sxaXg3R1BTVnpKVUtUWmRoay1Td2ViZTkyMWhSRFFWLW1zem9FSERSbzF6ZEx1dTBTOGE4RkFYUUdBbUhtQWlKUU11Ul9nSnZpUWw4amlyRG1fZENkYklFNEdJUT09 |
Basically organizations that had an interest in Bitcoin not functioning properly. Go figure why BTC went to s***. Good thing we have BCH, but so much damage has already been done. | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QRjBJSmtiV2VLSjhwTHNuYVhJZFF1dV9yaF8wWlQ0TkJDQlJZaGJ0QmF3VWlhMmgyNXRibHVhSkc5czh3dmxCbTdlSmVodVBfOThQendWeVdlZDR4VlE9PQ== | Z0FBQUFBQm5teE5RQ2VhUjVST0puZnpleU1yRjlOZ0lPeWFKdGtFWjRHS3Q2MEszdTlZV2lqT0FNbm4yTy1kSklmMEhDTXR2VURLUDAzWEkzTURpbEZGelloTjBBbGhqOTFXWUpqclBqQnduX0hMVGxndGh1NnYtNWNZdS1KR296TWV6MWJfdGpubWk2dmtqZVJNVFc1TzQyM2oybVFLQm8zVGlhOXVqcE50Wk81QldQR2NZTVJVPQ== |
Are there any good real time wallet trackers? Something that shows in real time which coin the wallets are buying | r/solana | post | r/solana | 2025-01-28 | Z0FBQUFBQm5teE5QVWttd3lhSVFTcWlYMUZwa2F2Ui1WdWxrZllvMDZGY0JCZFVOY19pREZscGk0RTZ0Zno3MFoyc0ZFZFNYRFYyUGpYNkExWXlkOUdPXzhjLUxDVkJDT2c9PQ== | Z0FBQUFBQm5teE5RTk85cDI2QThQRlZrV3lHY3h1UXJaX2o0X0FuR25ENzlnNjV3UW96ZW8xMFh2TG1NdkY0WXhzSXRYZzNZV0p3clVWTk9yNE5pbDd0LVpiMUo2UGdVQkVfdWVjQnpGaE5YM1FWMjhvVkoxcm9jOVl1RFJXNFZ6WWlyOFhQNTc5VGxNSGRxTEhTVTR6LVhIdGVlUEw5bW9wWXNtVjU0QlR4b290dDFPQ19vZXFCcll2OEN5VkdPODBOc01vU0d6X0xw |
Wow blast from the past. He did pay it back btw | r/financialadvice | comment | r/FinancialAdvice | 2025-01-28 | Z0FBQUFBQm5teE5QXzJPTTZpSkF0MEdPZF96dzdmWEVBbzNiVEVQZ0dubWVtUUhiVHMyZ1ZmUXIwN3NXTjRadllnRDlhLTc0UXl3SnlIejhXOTZaSWFFbDZ0bHVDdWdUdUIydlRUaG84WjBKck9Hb1VvUHBqTmM9 | Z0FBQUFBQm5teE5RZlVoaE5EQXpadm5fV2NTOUVSOG95Y01HUHpoUWxpY05PUVNxT3ExS2l4dVFyRjIzby0yNndKSFZiZnZaTU5uVkNpZXExQ0RjZnRWTXdBN0FDazg4TnJ2b3p5c1V6TWxhVTlicmNWaWZfelVTZEdTNGEzbWFtckdYZXNYZEJjeENEZHpPb1lZUlQwaFhITnIxY05hSEpLTGZZeC1kZ2VtNUEyQ01nRTYySXVJPQ== |
My power recently got disconnected (today) and I Need advice and help on getting it back without having to pay the 300..? I work as a server in my small town coffee shop and get maybe 15 hours a week. I can't afford to pay the entire lump sum.. I live in a camper in NE co... any advice or help is appreciated!!!
I didn't get the disconnect notice as my mailing address is different than the address I live at. I don't get paid for a week or so. | r/povertyfinance | post | r/povertyfinance | 2025-01-28 | Z0FBQUFBQm5teE5QOHlDMUNKNTB0dTNzNnRmX3dQQlM4Q0dxN2tiR2FEZnVzSVE5cm11ZnJhZkZ6M014UU8ydDhTcGk3eXlnTG5HTlVNSXNLVDJhamtySXVJR3VibHVwZHc9PQ== | Z0FBQUFBQm5teE5RSExoSzJLYlJoVXg0cnJfZ1NSaWpMQmJ1aUNTRnVIUmdTUDlhX1VVZWp0ajRpakI4WW42UGt2Wm5rQmpQSXFLN1Y4a2hzeFdxRHRSWnd5LXZCSXZ3eE1neHNDU3Q5NmlTdmR2WXBlWHBBb3J5ZE5GMW1iQkJ3N2FuMHlaazVzeG5lTVE0NE1YSm9od09SSWRUZUY0V3RXakxKUVdXbV9ITFB4NGhONHBMUnF5cjVYamRwdTE5MUtmNzQyTFZTYmNCbElXckFBcWk3Qzhwb18wNURwSkVFdz09 |
I call, get placed on hold, request a call back and they call me back 5 hours later. Surprise! The agent has to transfer again to “advanced agent” and now the hold is 9 hours, and there is no option to request a call back. How can I be directly in the hold line for this advanced agent? I’m supposed to be on hold without call back for an entire 8 hour working day? | r/studentloans | post | r/StudentLoans | 2025-01-28 | Z0FBQUFBQm5teE5QaDNmbmNINlpVakJWYmNRcWFiYWhNekQtQ2laS05wMUpFdWFIbTRjdnQ3OFFDQXZrbkw1N01pUjlaTVVlQlBHWDlRVy1tT1FBN05LMVUtQjlsMm5SV1E9PQ== | Z0FBQUFBQm5teE5RQjBCR0dJdlZQRUYxVnJaN29YVnpkMTJialItdTEyZllqdGFzQ1pGSTRxQzgyUEpHMDVOelI3YUEtMmljNmw0TVN4TGFSS3NkU2gwdXFTZXpTVk13clV0cjEwS3RacExBdHd2NnZpS3B4NldFbE92R0FPN2VzcHJJSjRydG85MUVRc0c4Z1h3LTg2bUoydHp2VDZKYTNWMnVXak5CZjhEZWlfTlF2Mk5mSEwwR1RYaVhiX04ybHAwZGt0LWh2NkR3 |
ERROR: type should be string, got "https://preview.redd.it/qk2lexamusfe1.png?width=1313&format=png&auto=webp&s=c5f574aa1ea0a6e89daa1af2f400684522c875cc\n\nhttps://preview.redd.it/iienswymusfe1.png?width=593&format=png&auto=webp&s=44f3fd186dee8fc4eb24a3d43f5ecae5fc011599\n\nTrade Setup:\n\nI sold a **vertical put spread** on **Crude Oil Futures (/CL25)** at the **66/65 strike prices** with **48 days to expiration**.\n\n* **Short Put:** 66 strike (18 delta)\n* **Long Put:** 65 strike (15 delta)\n* **Collected Premium (after commissions):** **$142**\n* **Max Profit:** $150\n* **Max Loss:** $850\n* **Buying Power Used:** **$528.64**\n* **Break-even Price:** **$65.85**\n\n# Why I Took This Trade:\n\nWTI crude oil has been **battered over the last few days**, making it an ideal setup for a contrarian trade. As an option seller, I prefer selling **out-of-the-money (OTM) credit spreads** when volatility spikes, as this increases the premium collected.\n\n# Profit Target & ROI\n\nMy plan is to **capture at least 70% of max profit**, meaning I’ll look to close this trade when it reaches about **$80 profit**.\n\n* **Net ROI Calculation:** $80 / $520 = **\\~15% return** on capital at risk.\n* **Probability of Profit (POP):** **Over 80%**—strong odds in my favor.\n\n# Market Context & Volatility\n\nCrude oil has seen **a recent jump in volatility**, which is perfect for options sellers. Higher volatility means **higher option premiums**, making it more attractive to sell spreads.\n\n# Risk Management:\n\nIf WTI continues to slide, I’ll adjust my position accordingly, but given the **high probability of profit**, I’m comfortable letting time decay work in my favor.\n\n🔹 **Would you take this trade**? Let’s discuss! What are your thoughts on crude oil’s recent price action?" | r/options | post | r/options | 2025-01-28 | Z0FBQUFBQm5teE5QUm1jajB3WnAzVVNCWTdBbTZlVmFTM0s1S0lKR1hXZWkyQTg0S1owWWpNRlB0SFk3QnZfc1p0a1V2LVY0WTJLNVhFUWVXSm5lSGxKSngxSWdORHNYZlE9PQ== | Z0FBQUFBQm5teE5RTXFzSU9IVDR2NkUtREd1RVp4M1NtZ09sbkM2RmpHZURQUV9wZ3YyVFFWWWFOTmpNSkNTYmRaWTVEQW5lb2dCSngzQjF5V3VFQWViRlF3U1RvSkwwbWhIR2VLUW1lbnRqTHZiekl6c0s2QVpaZHJmeXEyTHVCdnp3SVk3R3RPR1ZxSVgtb1Q1MHhVRkVVVHlUVUhWX19SS0VMOS01OThtRFdiM0VoTE54cVlzQlRhU19NbjhQUFVmVnVjdnpYUjFqekFFbnphWWhVVW4ybWl4TW1yb1BFQT09 |
Average Advanced Money Destroyer experience | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QWkNmbDlwNWh6Y1FiOWJSQjhmSmhhemRFM3RhNjR3NW5mMW1JcjZpLXJoMHpRbmhyYmVaRWpXbHo0aFVmZEltaldFREJ6MXRiRllJa1ZsaWhfcEoyTTBrUkNPN1VhbkFhazRydzl3VW1GMFk9 | Z0FBQUFBQm5teE5RSzQxV1VUVjN0UEpOQ1FVaVc2WWNSYXB2ZkZXZmdnaE93VjhiV2hweS1XQXhMNkFvb01YWXZybHVtb2Q2ZEpRalpvM0tKYTAxMU9fMGN6dEFmM202YmU3dU8tckpuN1RUNnpFMi1JaTBfQmhXTFdLdnlURnA4TlZxanZGN0o4d1NGTG50U0c1N2lQQ2g1X3BLVjNVTVpRdVdqOVdEblRndTlJM1UxUDZzNXhFPQ== |
SBUX earnings yolo. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QaDRtbGw5bkVXUkpsOEVYekN4ekdkc25Ic3NxYW00YXhjYkl1ZkNPWHRLWW5BSWlReU9Ec0RhMENjOG5xUk44WmQ3WGxzS1l1OXZEbWVIYmlReVBhMkE9PQ== | Z0FBQUFBQm5teE5RclNDcjBfY1k1ZHVYcGJ5RXowdi0zclU4YWE4OG9uTUxSRHlndVliS2tQdUs1cHp4dkZWTDRfX2hETEFXN2hFaGVTZkRSN1llUlU5ZHZmSkwtU1VlQ0hwbDlibFpWVE1wOS1NVFNVNXpDejJFX3dHTk1BSFNieXlVeThqUnUzU1V5VTRGZFBDQlQzNHVCbjhlczUxd3F3OXJhZHlDNHh5SEd1UXNsWnFJeFpHeEJTQ0l3Z0ZlU19kTjc0Y1hacTZt |
Well, I’m trying to deduct live price of tokens from raydium using { LIQUIDITY_STATE_LAYOUT_V4 } method from raydium.sdk
Example for SOLUSDC
{
"baseDecimal": 9,
"quoteDecimal": 6,
"amounts": {
"baseIn": 1358021.304867679,
"quoteOut": 139497151.853756,
"quoteIn": 142678354.078994,
"baseOut": 566393.349199531
},
Im trying to deduct price with baseIn/baseOut which give me 252$ per SOL vs real price 235$
Even including fees and a small slippage don’t explain a gap that big
Can someone explain what I’m doing wrong please
🙏 | r/solana | post | r/solana | 2025-01-28 | Z0FBQUFBQm5teE5Qa1E1OW9MVUZGY2VrWHNnUEFHdGQ4SUxMVFJnWDFXRC1EZTNuS2t1ZTNmc3k0U0N0ZS1pTV9XdWFyNXpkM0s0TWRfR0RabVJBNENLaFRTUUtXV29GOVE9PQ== | Z0FBQUFBQm5teE5RN0lidjdSSVdBVnNKdnhQWllLcDh3UndIak40UWpOREx2U1VPYWpLQnNTQTdLdU5qTnBpeXY1UkZ4SVRxbk56cUVMZWFiMTFzeGhVTzFyWDNQWDJBREN0QlpBLWN0eHBLZ2Z2cTJDODI5MkFwZUZ5d1JlQVM1QUVZMXd5UkFmUWtGb0JyRldKNjA4VVVvalQzUGtqTWlzWGQ1Q3lxWS1XekdQR1JLSzQ4aVNIVnRQOUZsb09vUXJkRUVWUkYzVmsw |
Do you have a Link? | r/bittensor_ | comment | r/bittensor_ | 2025-01-28 | Z0FBQUFBQm5teE5QUXBRQTQwTGZRV1pZLWUtV3NOUGVLQjk5WFFmN2M1VkYtSzJmdk9RcnRTaU5uTTRsd3JjMHRGWUx6dlppWUx3R2hQdTBKek9Wc1NZMDNFdkxIV1JUYXhHQldHUjl2RW5mcEpoTWJHWjRXaU09 | Z0FBQUFBQm5teE5RTzRWRG9jQUpZRVpDeTlpMWpWQktTYjBPN1Jtb1kzaHEwT1RHWUl4TTdzcmhkVGZzUF81MVpndEo1dHFuZGRoakpMSnNWLVNFVWwyeXhsR2tJWHY4aUZENTJRZF8wN1NDR3RBclZHMW4wQ0FlSGUtZVlaX1V2WXowdVhEN2lRb1ppVE1uZFdCZ2lFdXlGTlRvZkZ2VkJTeG1FdlBVdFFxTjhxRUk1OEpFeDljPQ== |
🏮 [https://linktr.ee/ChadXiPingT](https://linktr.ee/ChadXiPingT)
It’s Chinese New Year’s Eve, and the stage is set for **$CXPT to dominate the season**! As the memecoin market shifts to **BASE**, ChadXiPingT ($CXPT) is gearing up to be **the biggest launch of the Chinese New Year season**, culminating with its highly anticipated **Lantern Festival launch on February 12**.
⏳ **Why You Need to Act NOW:**
Chinese New Year is all about fresh starts, fortune, and explosive growth—and **$CXPT is leading the charge**. With **viral AI-driven marketing**, **BASE’s fast-growing ecosystem**, and a launch tied to the Lantern Festival’s symbolic culmination, this is **the most perfectly timed memecoin opportunity of the year**.
💡 **What Makes $CXPT Special:**
* **Chinese New Year Momentum** – The timing isn’t just symbolic; it’s **a strategic edge**. Everyone’s eyes will be on $CXPT as it lights up BASE like never before.
* **AI-Driven Virality** – $CXPT is more than a memecoin. It’s **the fusion of tech, culture, and smart marketing**, ensuring its message reaches far and wide.
* **BASE Is Booming** – While other chains lose steam, BASE is attracting smart money, liquidity, and **the next wave of memecoin success stories**.
🎯 **Whitelist Spots Are Disappearing Fast**
The **$CXPT presale whitelist is EXTREMELY limited**, and demand is surging as the Lantern Festival launch approaches. Don’t be the one regretting in February when $CXPT becomes **the memecoin everyone wished they had bought early**.
🏯 **Claim Your Whitelist Spot Here:** [https://www.tropee.com/chadxipingt](https://www.tropee.com/chadxipingt)
🔥 The time is NOW. On this Chinese New Year’s Eve, make the smart move. Seize your spot in **the most anticipated launch of the season** before it’s too late. | r/cryptomoonshots | post | r/CryptoMoonShots | 2025-01-28 | Z0FBQUFBQm5teE5QN2pFaC1FT0NOcWxJMk9yNTNWdm5GMnU1TnZqZFVQbXl3T1hNRlpnbWdOZUhsS2xhYWV3YzFka3NzUk1qdmpPeXhKZEp4RFJFLUNDMGtnQ0s5R21ZaE9lSkNVaUZhdlNxYjM1NGNaNU1vaGs9 | Z0FBQUFBQm5teE5RTnp5Y1k2RVVqeHVlVWZWZ2l6T1JRaVBtSjdtdmxLdlIxcVE5aHl0em8ydWRIM2xpMGhQNS0zMlFXNWFscUYwR0dETHRXVWUwMEhMcHNHc0pVU2lVSFZSSWMzb1FZZzlYZG1uSUtWd01yTEZrdmtHSVNqQlAtRTBDVjhjXy1RLXItdWoyRXFzZW9aR3lkRUQwWm9DVFhQNW1ZSjFyeFRDMVZGc1VfUVo4OGNFTDRXdkRmOEV5bkZ1TzNiLXU2N0k0cmpHZ2pDejk1RlFNdUduNldWd3Mwdz09 |
Indeed | r/btc | comment | r/btc | 2025-01-28 | Z0FBQUFBQm5teE5QNXliaXNWOVJiakpHOTdoX0E0M2Nmc2E5aW5kMllfbXZlbVRXUGVsb2I5VmwwcFJSYjBFOVJlVktJSjVLeEtVR0gxT0UzSGlCcjhVeGZWYWdpck5yOHc9PQ== | Z0FBQUFBQm5teE5RcUU5YXZ5S24yejRROGtuY0tVd1M5ZWRreFZFdzVyUGczM3JFbkRleDB2djFYRnBONko3WjkxUVlITVhmVUg1RWJkRlkxRWdwc0I3cFN0VFNwNWMzX2tOZnR4Z21IWGo5emRtU29HRWtpSFUyVDdGZEhZbU5VZHRhNG53QXRuSXdJTExoNjJYVmFkYTNsR0FTcTNpMlBWMzNDekk3NlJmbUtlS09nYklManlrZHdVd0xuMGhmZDVuSjFLRldqU3Bq |
Pretty much saw the IV was too high when it was at 117, waited until today cus it was 122 and from past experiences the stock either crashes or rebounds heavily. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-28 | Z0FBQUFBQm5teE5QZlZFOEx6R2h3TFV2UnZ4NWN6MHZRLUdWdGlVVXg0QUhCT1l2d0JmZmxVdTdKYy1WdkdPZ2thWnJlYkcxZHBtSmFUVzdKVkhJZlE0QzB1V1NwRTlwc2c9PQ== | Z0FBQUFBQm5teE5RejVhQ21EQ2pvV2p3bVduWksyZjBXbXM5Z0t6Q0lGX1dLVUFKa2FoWW9EM1k3NVNCeDU1dWNiMnRZd0hWQXpxaXRGTDJvOXZ1YlVERUduaWtnbE5Geko4TmpiY2MxNjY2a0FkRzExVnFDYmwtN3FfZnJlNVFpWlJiOTZ3RWdZLUkyT25KSFFZZ0VVVUZlZ1E2LUJoMG15dDBTWWZySUhlTzFnY3pqNXlwRnUyOUJUNDRwaTRxUmpPNnU2bFl4TVp1 |
Starbucks on Tuesday reported that its same-store sales slid for the fourth consecutive quarter, but the company’s quarterly earnings and revenue beat Wall Street’s expectations.
The coffee giant kicked off a turnaround plan last quarter in the hopes of reviving its U.S. business, which has slumped over the last year.
“While we have room for improvement, we’re making progress as planned, and have confidence we’re on the right track,” CEO Brian Niccol said in a video released on the company’s website on Tuesday afternoon.
Here’s what the company reported compared with what Wall Street was expecting, based on a survey of analysts by LSEG:
Earnings per share: 69 cents vs. 67 cents expected
Revenue: $9.4 billion vs. $9.31 billion expected
The company’s net sales of $9.4 billion were unchanged from a year earlier.
The company’s same-store sales fell 4%, fueled by a 6% decline in traffic to its stores. Wall Street was expecting a steeper drop of 5.5%, according to StreetAccount estimates. Both its U.S. and international locations outperformed expectations.
U.S. same-store sales slid 4% as traffic to its cafes fell 8%. Under Niccol, who took the reins in September, the company has been trying to turn around its U.S. business by getting “back to Starbucks” and returning its focus to coffee and the customer experience.
Outside of its home market, same-store sales also declined 4%.
Starbucks’ same-store sales in China, its second-largest market, fell 6%, fueled by a 4% in average ticket. The coffee giant has been leaning into discounts in China to compete with rivals that have much lower prices, like Luckin Coffee.
Source: https://www.cnbc.com/2025/01/28/starbucks-sbux-q1-2025-earnings.html | r/stocks | post | r/stocks | 2025-01-28 | Z0FBQUFBQm5teE5QdUY1bENZenFpcl9RQjFnXy1KUUdHelVmTUlzMzRlb3diM3A4NFZseWVRN2RiSklxMnBMUDZfWGs5Tm5weVdLLTRsczNTeDhUWXdNWWJrZ3dRSzNZd2c9PQ== | Z0FBQUFBQm5teE5RYnZiblJBZnl3QUtyczFfRlJaaVdwVTNZQkhQaEUxNy1TSEVJYy14bXN2VndMNmthNDYxcUFNRVhZU204aXhxVEJlanA2ZXI5Ujg4MFpaa1BuT0xiN1ZmaEVJV0JUVVlVUHc5QVJBajhNN3ZNM3NIYUtUaXFlQ3Nhc3BqaDBwdElvbWRVLXdIbHpwSWkwdWlVX1gzTUFnQlpKYnNhNi1kczUxdUFFaXFHZG1sQzhlVGttSXFpSVltakI2dHhWNnhjeU9fOGpSY1FzV2pfaERLNUhkaWd0Zz09 |
So, I’ve noticed something strange lately, and I can’t be the only one. It seems like everywhere I turn, people are trying to sell junk for ridiculous prices. Is it just me, or has everyone suddenly decided that the random stuff collecting dust in their garages is worth a fortune?
I mean, I remember the days when we’d gladly take our unwanted items to a flea market or garage sale just to get rid of them—maybe for a few bucks here and there. Now, it feels like even those places are trying to wring out every last cent from what’s essentially trash. I’ve seen old clothes with stains, broken electronics, and a bunch of other junk priced as if they’re rare collectibles.
What gives? Do people really think that just because something is listed on eBay or Facebook Marketplace for a certain price, there’s actually a buyer out there who’s going to cough up the cash?
I get that the economy has changed and people are looking to make some extra cash, but let’s be real. Just because you have something that used to be worth a lot doesn’t make it valuable now—especially if it’s just sitting there gathering dust. Are we all just dreaming that our old junk will turn into gold overnight, or is there something else going on?
I’d love to hear your thoughts. Has anyone else noticed this trend, or am I just losing my mind over people’s inflated perceptions of the value of junk? What’s the craziest overpriced item you’ve come across recently? | r/frugal | post | r/Frugal | 2025-01-28 | Z0FBQUFBQm5teE5QUl9ra0RCY290ZGVRSmtaY0lMakJ1ckJEUHVtSjUwQWh4NUk4SExtZ3Z0Zk9HVi1hMzBtS0ZCa3JLdS04cVBrQ3NvT1M5aDZIaG1POEd5LThpejNUSHh6dDNWeGp4cDF5NVFmUzN6WWtRbEE9 | Z0FBQUFBQm5teE5RSXVkVFNYVUQ3dkNxUmp0b2R2Rm9yd2NaUG9Zd1U3QkQzZ1pVYVlfVGc5bUVtdUJGajVQUy10SElKN2hmaDQ1ZERkU1l2c29STkwwd0oxdnRhSlBTTURaQUNhcWkwMVV4bElzOWR4NFZCZW1kckhSQjFsQjMySlFyZ0I0dXd0c21GWUttM0UyNGxSWmlUdV9hT1JyUWdYR2ZNQXlydklVRi1CMHliZ3ZDb0VuTm9YZnMxUjllNmJ3RjRfeGphc18yU25iSlQ5aDc2UVVVSkFyVWZRN2g3UT09 |
With purchasing xmr, the buyer and seller make a deposit as a way to help ensure fair play between the two.
Let’s say buyer sends cash through the mail and make a deposit. Video tapes himself doing so to have proof just in case.
Seller receives cash but claims they never did. Arbitrator sides with the buyer because of the video proof of packing and delivering to post. Buyer receives his deposit back and the deposit that was the sellers. Now here’s the question if let’s say he was buying $1000 xmr and the deposit were both set in 25% meaning there are a total of $500 dollars in deposits. Would the buyer just be out of his $1000 he sent or would he get back both deposits and the coins he was trying to gain from the start? | r/monero | post | r/Monero | 2025-01-28 | Z0FBQUFBQm5teE5QX3VEN21yNExRQS1Jd2YtdTRxYk9hczZ3QUVzV3pybFpFWlQxX2c2VXFnM0VqbkdjM1RucmJrV01BZjlHNzlaWnQ1SlhRdUJwZzRfZkdPaGx4bnJoTGc9PQ== | Z0FBQUFBQm5teE5RLXFfT0wxcHZnSU1LZnBkWE1sbnFmV3VWN3I4djdvYzJIRWZIMF8yck1QNDlUaFctNGVtaGpoYm85YjRzR1lITkpwR0YzdmxYM1pYMkZDZWN6aUVxb2RWUmRSUlpMM1A4VnVJSkpOZnJ0aHN2MUM2RjlTUGVjZm9tVE8ybDA4NXVrNml5SGozZ3o0d2VqWVl6RDhCOEh3PT0= |
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