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+
+Amir interview
+https://www.youtube.com/watch?v=COisLGwnb-M
+
+https://www.youtube.com/watch?v=6VFopiRaXwQ
+
+The Bitcoin Group on dark market.
+http://www.youtube.com/watch?v=oui86OFyH5s&t=13m39s
+I am mad at the media. They keep calling everyone "reddit bros." They keep painting this sub in an image like we are criminals. CNBC are biggest morons of all. They are sellouts and hypocrites. Nobody should be watching or listening to them ever again. Fuck'em
+
+I am mad at Vlad and Robinhood. I mean a lot of us already hated that App when it shutdown during the biggest trading day of the year in 2020. Right when the market was crashing too. It wasn't just one day, it was multiple days. Now we all know he is sleazy scum and I hope the company becomes insolvent.
+
+I am mad at hedge funds and how they are connected to these brokers. This is a HUGE conflict of interest. Guess who else is connected to these cock gobblers? Janet Yellen. That boomer is part of the problem and received huge speaking fees from Citadel. Thankfully the Treasury and the SEC are two different entities. I wanna see people go to jail for clear manipulation. 
+
+I am mad that I can't be there with you guys holding GME and being part of the good fight. Here I am deployed in the middle east and I'm locked out of all my accounts due to 2FA. I know this may make me a hypocrite, but I am mad for the little guy. The retail investor who can never win. They tell us to invest but when we beat them at their own game, they cry, whine, and do shady shit. 
+
+I want to make them bleed. They are down $70 billion. I want them down another $70 billion. 
+
+I am proud of all of you. I am proud to be a part of this group. I am proud of the people who are sticking up for us like Papa Musk, Dr. Parik Patel, Dave Portnoy, and I can't believe I am saying this but congressmen and women. I'm proud that people are giving back. I proud of the billboards. I am proud of everyone who is outside of the US who also like this stock. Most of all I'm proud of DeepFuckingValue who saw this play almost 2 years ago. Lastly, I'm proud of the mods. Thank you.
+
+Even if only 5 of you see this, thanks for listening. 
+
+TLDR: Don't sell. 💎 Fucking 👐. Ruin them
+
+Edit: This isnt meant to be political. I blanketed media across the whole spectrum, like all of you and your autism. I'm just mad and retarded.
+I'm a non-professional on a computer smashing keys with no financial/professional advice in sight. Apologies if this was covered elsewhere.
+
+Fact: Gamestop is cooperating with the SEC
+
+Fact: There are 40M shares of deep out of the money puts that expire July 16th
+
+Fact: While it's "open to interpretation" any reasonable read would say those deep OTM puts are against the rules to cover shorts.
+
+Fact: They reissued the rules insisting the fact above was always the rule.
+
+Fact: I feel like Dwight talking about beets.
+
+Fact: They have been tightening the rules up regarding shorting.
+
+Leap: Perhaps the SEC wants to see what happens on Friday.  If the shorties find a way out of the inevitable outcome it's another hole that needs patching or is finally the intervention trip wire where the SEC does something. Maybe the SEC is making a case for an arrest and seizure of assets to make sure they have control and feel this is the last item they need.
+
+Gamestop doesn't trigger the MOASS 7/14 because it's triggered 7/16 and/or the SEC gets the information they need and potential control they need to soften the blow to the whole system. If it doesn't happen 7/16, Gamestop can do it soon thereafter.
+
+Tick Tock.
+
+If I did in fact get it right and the SEC/Gamestop wanted to keep this quiet; apologies to the parties that are trying to fix things.
+
+Edit adds:
+
+\- I should have said "if there was an announcement planned" in the title; this is all a "what if" scenario so was a little sloppy there.
+
+\- The SEC  potentially in coordination with other agencies 
+If you’re worried about the price, don’t be. 
+
+I have been in the crypto-sphere since about 2014-ish. I originally bought my bitcoin for use on the internet. 
+
+That was what started me on the path to studying and understanding how blockchain works and why it is such a huge deal.
+
+Blockchain’s main purpose is to securely transfer value without the need for an intermediary. This isn’t a stock or a traditional investment. In fact it’s something that’s never been seen in the history of the world. Throughout the history of money one would need SOME 3rd party (Gov., banks, etc...) to verify a transaction or to give the currency value. Blockchain, or more specifically cryptocurrency completely eliminates this aspect of currency. 
+
+That being said, there is no assets or company backing (some exceptions) any crypto on the market. There is no earnings report that estimates the value; there is no technical analysis in the world that can predict the price; there is no relationship between a stock/bond and a cryptocurrency. 
+
+These virtual assets are a utility. 
+
+Utility in economics is the amount of time and money you save by choosing a certain financial path. For day to day consumers we want to maximize our utility I.e. get the most bang for our buck. Large corporations and governments would like to minimize it to cut out whatever that is not needed to increase the bottom line on their income statement. 
+
+These currencies not only allow society to easily optimize utility for large entities, but for individuals as well. 
+
+Corporations that solely exist to transfer/store value (visa, western union, Wells Fargo, etc...) marginally decrease our optimal utility and suck the liquidity out of an economy. I don’t want to seem like I am attacking these corporations but this is literally the definition of a parasite. Which is an entity that receives benefits from a host while the host is in detriment. These corporations leech this money out of the economy. Sure their workers are paid and this increases their marginal prosperity to consume, but how many jobs are lost to efforts of cost reduction? How much investment is left on the sidelines due to fees and other stipulations these intermediaries create? 
+
+If this leakage of utility and liquidity is patched our global economy will operate at a greater efficiency than it currently is; as there is no forced induction of funds into an industry that’s only function is to transfer/store value. 
+
+Since its established that this IS the future of finance, based on my extremely simplified explanation, the only question now is the question of rate of adoption. 
+
+I have 3 brief points to make:
+
+ 1.) Adoption curves do exist and they are found in a every thing that is used today. Cars, phones, the internet, Reddit, etc. All of these utilities follow the adoption curve ([or S-curve](http://i2.wp.com/www.business-planning-for-managers.com/Worpress/wp-content/uploads/2012/01/adoption_curve.jpg)) almost 1:1. 
+ 
+ 2.) Fractals are a branch of mathematics that explain the bigger picture by looking at smaller portions of the whole. (“As above, so below”) This is rather difficult to explain, but it is basically repetition that grows with scale.  
+
+ 3.) Crypto is nowhere near full adoption, we are in the mania phase of early adoption where all the applications of the technology are being tried and vetted for use in the world. This aspect is known as the Gartner Hype Cycle.
+With these points, one puts together a puzzle. [Since Crypto is so volatile and there is little knowledge in the world of it, along with patterns of repetition that appear to be fractal,](https://i.imgur.com/05V81cb.png) we know this is only the beginning of a revolution. 
+
+I believe we are in the beginning stages of the FIRST investable adoption curve to ever face humanity and the research I have gathered thus far supports this thesis immaculately.
+
+I know seeing these prices short-term hurt you greatly and it feels terrible thinking you made a bad choice. But time heals all and you and I will be the winners in the end. 
+
+This is the internet of value being created right in front of us. In fact blockchain will do to finance, what the internet did for telecommunications.
+
+Invest in fundamentals, believe in yourself, understand the technology, and don’t ever listen to the media (banks have a lot of money to spread fear to eliminate a threat). 
+
+Sometime this year, we will have another bull run, and this one will not be as large percentage wise. But the value in fiat will be exponentially increased. 
+
+
+
+Much love, good luck, and HODL.
+
+P.s. sorry about any errors I’m on mobile and it’s 2 am and I just finished working on a paper. 
+
+
+
+
+
+
+EDIT: **Those trying to call me out on my assumptions based purely on the fact that my ideas are assumptions, have the fundamentals of economics wrong. THE 10 PRINCIPLES OF ECONOMICS are assumptions in themselves and Econ is a social science!** 
+
+EDIT 2: **Beware that most of us have a vested interest in the success or failure of crypto! Some have long positions, some have short positions.** 
+
+EDIT 3: *Full disclosure I currently have shorts on: BTC, ETH, ADA. I have long Positions in: NEO XRP XMR.* 
+
+EDIT 4: If you have asked for my full dissertation, I will post it in this thread mid-July along with my results from the presentation.
+
+EDIT 5: I am not telling you to buy or sell. I'm suggesting you hold onto your investments if you have the skin to lose!
+**TL;DR, EOS seems shady, irresponsible, and extremely dangerous to the crypto ecosystem.**
+
+I know there is tons of promise around the EOS project and it has a strong team, but I can't help but question their decision to structure their ICO the way that they did. 
+
+https://github.com/eosio/eos-token-sale
+
+**The EOS Token sale will be conducted on a continuous distribution model for 1 year. 1,000,000,000 (one billion) EOS tokens will be minted at the start of the sale. These tokens will be split into different rolling windows of availability. The tokens for a window will be split proportional to all contributions made during the window period.**
+
+**For example**
+
+**20 EOS are available during the window**
+**Bob contributes 4 ETH**
+**Alice contributes 1 ETH**
+**Bob contributed 80% of the total contributions and gets 16 EOS**
+**Alice contributed 20% of the total contributions and gets 4 EOS**
+**At the start of the sale, 20% of the total minted tokens (200,000,000 EOS) will become available during a 5 day window.**
+
+**The remaining 800,000,000 EOS will then be split evenly into 360 one-day windows of 2,222,222.222222 EOS tokens each.**
+
+**369 days after the creation of this contract the EOS ERC-20 token will be frozen and non transferrable.**
+
+This whole structure feels incredibly shady and manipulative to me. Essentially they will be selling an unproven token to the public priced entirely on future promises, and pitting prospective investors against one another to drive the cost of tokens up. The fact that tokens will be traded on exchanges immediately also offers market liquidity, essentially creating a never-ending demand for the tokens once the initial price is set by the initial 5 day window, or the "floor". As long as EOS continues to feed positive news and hype to the public, there will be no reason for people to sell at below the floor price. Early investors will feel pressured to keep the price above what they paid, and every day will basically be an arbitrage opportunity for people to buy EOS tokens from the contract at a price cheaper than what's being bid on the exchange to make a profit, which will most likely cause more competition in the smart contract and drive the price up even further. 
+
+I've done some pretty extensive analysis of past ICOs in order to better my own chances, and I am one of the few who got into the BAT ICO, along with many others. Through all of my efforts I have developed some pretty clear metrics and different data points for determining the approximate demand for a particular token at ICO time. Based on my analysis, I think the EOS ICO already has enough attention and draw to be on a similar level to BAT, which as everyone knows, sold out in the first 3 blocks. BAT was most likely the most hyped and anticipated ICO in the history of ERC-20 tokens, and EOS seems to be in a very favorable position to being the next ICO on that level. 
+
+Let's say for the sake of example, that EOS will have a similar demand to BAT. Based on the raw BAT transaction data I pulled, *roughly 709k Ethereum was sent to the BAT token address within the first 10-15 minutes of the ICO start block*. 709k ETH at the current price of writing ($283.42) would put the total amount raised for the first window at over $200m. This would set the price of each EOS token at a "floor" of a little over $1 each. Assuming there is continued interest in the token, and people continue to buy into the promise and potential of "the Ethereum killer" (I suspect people will continue diving headfirst into this due to the promises made by their vague and ambitious whitepaper with its many bold claims), **they would very likely go on to raise over $1 billion in ETH over the course of the year, putting them at roughly 5x the net worth of the Ethereum Foundation right out of the gate.**
+
+If they truly believed in their own idea and its future success, why not do the same thing as what Ethereum or other ICOs did by holding onto a significant portion of your their coins with the belief that they would appreciate over time, rather than selling all or almost all of it and exposing the crypto space to that level of risk just to secure an unreasonable amount of funding up front? Why would ANY crypto project need to raise more than a couple hundred million for initial development and operations up front, let alone over a billion? 
+
+This is one of the reasons why ICOs simply raise what they need to operate- if the project goes well, everyone wins, and they not only add value to their own pockets, but to the entire ecosystem as a whole as well. If they fail, well, they don't get to walk away with a billion dollars. 
+
+I really hope I am wrong, but there are so many red flags with this ICO that I felt like I couldn't just stand by without posting about it. This whole thing feels a bit devious and nefarious to me, and it makes me sick to my stomach.
+
+EOS is being hyped up as "the Ethereum Killer", and I agree, it does actually have huge potential to be kill Ethereum, but not by having better tech. Instead it would be by tarnishing the crypto sector so severely when the scam falls through and there is Bernie Madoff level news coverage on this, making new investors not want to touch crypto with a 10 foot pole.
+
+
+
+
+Welcome to the **/r/EthTrader** Daily Discussion thread. The thread guidelines are as follows:
+***
+
+-  Discussion topics include but are not limited to general discussion, details related to events of the day, technical analysis, Ethereum Classic, and minor questions.  
+-  Important content should be posted as a separate thread.
+-  Be excellent to each other. 
+
+***
+
+Thank you in advance for your participation. Enjoy!
+
+# 🚀Wondering about Computershare?🚀
+
+❗Look no further than u/Doom_Douche's awesome DD into CS❗
+
+# [When you wish upon a star - a complete guide to Computershare](https://www.reddit.com/r/Superstonk/comments/ptvaka/when_you_wish_upon_a_star_a_complete_guide_to/)
+
+# ----- ----- -----
+
+The daily discussion thread can be a bit scary to anyone wandering in from the front page, or for apes wanting to ask questions, so these threads are meant to be a bit of a safe place to ask your questions 😊
+
+Getting real answers can be tough[,](https://imgur.com/a/W5ixs8a) since trolls and shills often pretend to ask "harmless" questions to undermine confidence and spread subtle doubt, and unfortunately they do a very good job of muddying the waters between genuine apes and trolls.
+
+If you have any questions, feel free to them here without worry of being called a shill, accused of FUD or downvoted. Just remember to stay excellent and respectful of each other.
+
+Myself and a few other apes will do our best to help answer your questions, find sources or clear up any confusion (I won't stop thanking the absolutely amazing u/half_dane for his unending dedication to these threads every single week!).
+
+We're no financial experts or stonk geniuses, but that's the best thing about apes, we can figure out so much more when we work together 🦍
+
+https://preview.redd.it/mx9jwsdhe1q71.jpg?width=800&format=pjpg&auto=webp&s=431074b798e056c03d8343779749caec40c280e5
+
+If you do not have enough karma to comment in the threads, please feel free to DM myself or u/half_dane, we'd be more than happy to answer through there as well!
+
+If you'd like, I can even copy/paste your question here so anyone else with a similar question can make use of it.
+
+\----- ----- -----
+
+Some helpful links:
+
+[^(MOASS Preparation Guide 2.0) ](https://www.reddit.com/r/Superstonk/comments/oakqvt/the_moass_preparation_guide_20/)**^(— by)** [ ^(u/Socrates6210)](https://www.reddit.com/r/Superstonk/comments/oakqvt/the_moass_preparation_guide_20/)
+
+[^(What's An Exit Strategy?)](https://www.reddit.com/r/Superstonk/comments/mtgx6a/moass_how_to_not_fuck_up_extended/) **^(—)** ^(by) [^(u/Ewba)](https://www.reddit.com/r/Superstonk/comments/mtgx6a/moass_how_to_not_fuck_up_extended/)
+
+[^(Brokerage Diversification/Rating)](https://www.reddit.com/r/Superstonk/comments/ppdtyw/could_broker_diversification_be_the_catalyst_or/?utm_source=share&utm_medium=web2x&context=3) **^(— by)** [^(by u/Doom\_Douche)](https://www.reddit.com/r/Superstonk/comments/ppdtyw/could_broker_diversification_be_the_catalyst_or/?utm_source=share&utm_medium=web2x&context=3)
+
+[^(Transferring to CS, step by step)](https://www.reddit.com/r/Superstonk/comments/pmsq3u/transferring_shares_to_computershare_a_stepbystep/) **^(— by)**[ ^(u/da\_squirrel\_monkey)](https://www.reddit.com/r/Superstonk/comments/pmsq3u/transferring_shares_to_computershare_a_stepbystep/)
+
+^(Previous threads:)
+
+[^(Week of 20-Sept-21 thread)](https://www.reddit.com/r/Superstonk/comments/prvgik/superstonk_smoothbrain_and_new_ape_corner_week_of/)
+
+[^(Week of 12-Sept-21 thread)](https://www.reddit.com/r/Superstonk/comments/pn221s/superstonk_smoothbrain_and_new_ape_corner_week_of/)
+
+[^(Week of 06-Sept-21 thread)](https://www.reddit.com/r/Superstonk/comments/pj4quk/superstonk_smoothbrain_and_new_ape_corner_week_of/)
+
+[^(Week of 30-Aug-21 thread)](https://www.reddit.com/r/Superstonk/comments/peiks3/superstonk_smoothbrain_and_new_ape_corner_week_of/)
+# 🚀Wondering about Computershare?🚀
+
+❗Look no further than u/Doom_Douche's awesome DD into CS❗
+
+# [When you wish upon a star - a complete guide to Computershare](https://www.reddit.com/r/Superstonk/comments/ptvaka/when_you_wish_upon_a_star_a_complete_guide_to/)
+
+# ----- ----- -----
+
+The daily discussion thread can be a bit scary to anyone wandering in from the front page, or for apes wanting to ask questions, so these threads are meant to be a bit of a safe place to ask your questions 😊
+
+Getting real answers can be tough[,](https://imgur.com/a/W5ixs8a) since trolls and shills often pretend to ask "harmless" questions to undermine confidence and spread subtle doubt, and unfortunately they do a very good job of muddying the waters between genuine apes and trolls.
+
+If you have any questions, feel free to them here without worry of being called a shill, accused of FUD or downvoted. Just remember to stay excellent and respectful of each other.
+
+Myself and a few other apes will do our best to help answer your questions, find sources or clear up any confusion (I won't stop thanking the absolutely amazing u/half_dane for his unending dedication to these threads every single week!).
+
+We're no financial experts or stonk geniuses, but that's the best thing about apes, we can figure out so much more when we work together 🦍
+
+https://preview.redd.it/mx9jwsdhe1q71.jpg?width=800&format=pjpg&auto=webp&s=431074b798e056c03d8343779749caec40c280e5
+
+If you do not have enough karma to comment in the threads, please feel free to DM myself or u/half_dane, we'd be more than happy to answer through there as well!
+
+If you'd like, I can even copy/paste your question here so anyone else with a similar question can make use of it.
+
+\----- ----- -----
+
+Some helpful links:
+
+[^(MOASS Preparation Guide 2.0) ](https://www.reddit.com/r/Superstonk/comments/oakqvt/the_moass_preparation_guide_20/)**^(— by)** [ ^(u/Socrates6210)](https://www.reddit.com/r/Superstonk/comments/oakqvt/the_moass_preparation_guide_20/)
+
+[^(What's An Exit Strategy?)](https://www.reddit.com/r/Superstonk/comments/mtgx6a/moass_how_to_not_fuck_up_extended/) **^(—)** ^(by) [^(u/Ewba)](https://www.reddit.com/r/Superstonk/comments/mtgx6a/moass_how_to_not_fuck_up_extended/)
+
+[^(Brokerage Diversification/Rating)](https://www.reddit.com/r/Superstonk/comments/ppdtyw/could_broker_diversification_be_the_catalyst_or/?utm_source=share&utm_medium=web2x&context=3) **^(— by)** [^(by u/Doom\_Douche)](https://www.reddit.com/r/Superstonk/comments/ppdtyw/could_broker_diversification_be_the_catalyst_or/?utm_source=share&utm_medium=web2x&context=3)
+
+[^(Transferring to CS, step by step)](https://www.reddit.com/r/Superstonk/comments/pmsq3u/transferring_shares_to_computershare_a_stepbystep/) **^(— by)**[ ^(u/da\_squirrel\_monkey)](https://www.reddit.com/r/Superstonk/comments/pmsq3u/transferring_shares_to_computershare_a_stepbystep/)
+
+^(Previous threads:)
+
+[^(Week of 20-Sept-21 thread)](https://www.reddit.com/r/Superstonk/comments/prvgik/superstonk_smoothbrain_and_new_ape_corner_week_of/)
+
+[^(Week of 12-Sept-21 thread)](https://www.reddit.com/r/Superstonk/comments/pn221s/superstonk_smoothbrain_and_new_ape_corner_week_of/)
+
+[^(Week of 06-Sept-21 thread)](https://www.reddit.com/r/Superstonk/comments/pj4quk/superstonk_smoothbrain_and_new_ape_corner_week_of/)
+
+[^(Week of 30-Aug-21 thread)](https://www.reddit.com/r/Superstonk/comments/peiks3/superstonk_smoothbrain_and_new_ape_corner_week_of/)
+A new year, a new budget. The subreddit is significantly larger than last time we had a budget, so please refresh your understanding of [the rules](/r/ukpersonalfinance/about/rules) before commenting.
+
+The mods will be enforcing all rules as normal, with **a slight relaxation of the politics rule for this thread only**
+
+An example of an otherwise rulebreaking comment that we might allow:
+
+> This budget is at odds with the conservative party's approach over the past few years. How are they going to deal with the national debt?
+
+Examples of comments that we won't allow:
+
+> OMG tory scum blah blah blah
+
+
+
+> Keir can stick that in his pipe and smoke it
+
+
+
+> Landlords/tenants are scum/amazing and should/shouldn't be helped out in this way!!!
+
+---
+
+# News & resources
+
+* https://www.gov.uk/government/news/budget-2021
+* https://www.ft.com/content/7ab638c8-d5f7-4e42-a786-3610f2c445fb
+* https://www.bbc.co.uk/news/uk
+* https://www.theguardian.com/uk/budget
+* https://www.telegraph.co.uk/budget/
+So currently I have a portfolio worth just under 1500 and have around 14 holdings every holding is pretty much $100 give or take 20-30 on a couple. My question is, is too much diversity bad? How can it hinder my progress? Shall I just go in on 4 or 5 picks and branch out to another stock every couple hundred bucks? What’s the best way ? ? ? TIA
+
+EDIT: I Do not incur any fees using WS as my broker, lol I would not have 14 holdings with the fees Questrade or RBC charges for these. I guess this is the problem with WST, it makes it almost ‘too easy’ for someone to just spread themselves out
+As a student, at least in my destination, I can download all the papers and books from the server of my university.
+
+I spent some hours downloading about +100 books on all topics that I found to be interesting. 
+
+Currently I strive through AL BROOKS Price Action Trading (3 thick books). And I like the concept that price action is closest to the truth, indicators lag in time and are derived from price. So first price action then indicators.
+
+And what you do learn as a student is, learning by heart and learning methodically. I think this helps a lot towards success. YouTube vids are nice but I think information density is higher by books.
+What is Anti ARK ETF? Ticker: $SARK
+
+>The fund is an actively managed exchange traded fund that attempts to achieve the inverse (-1x) of the return of the ETF for a single day, not for any other period, by entering into a swap agreement on the ETF. The ARK Innovation ETF is an actively managed ETF that seeks long-term growth of capital by investing primarily in domestic and foreign equity securities of companies that are relevant to the fund's investment theme of disruptive innovation. It is non-diversified.
+
+It's been a tough year to be a Cathie Wood  ARKK investor. It has been slowly but steadily losing ground throughout much of 2021, with ARK Innovation falling about 15% year to date.
+
+Recently Cathie Wood says her firm is testing a more aggressive strategy that would be ‘ARK on steroids’.
+
+Would you see this this as an opportunity for Anti ARK?
+The twins put a vast amount of their wealth Into bitcoin early on and continue to live the bitcoin lifestyle while supporting bitcoin on multiple outlets.  I wish they had more recognition and coinbase could use better competition.
+
+https://gemini.com
+While I'm really happy in my current role, I recently felt like I was underpaid by maybe 5-10%. But I wasn't sure, so I did some market research which confirmed I was slightly below market. Meanwhile, I updated my LinkedIn and started networking with recruiters to get ready for my next role down the road. My hope was that I could learn more about market rate for my role and the next role I might take.
+
+Within 24 hours of all this (last week), two **different** recruiters reached out to me. When they asked for salary range, I quoted the market research that I found. Turns out it was spot on and these recruiters are submitting me to jobs that pay between 20% and 30% more than what I currently bring in. I was not expecting that, at all. In fact, assuming I get an interview, I intend to go through the process for one of the jobs because it seems pretty cool.
+
+I'm pretty happy at my current job, but that's a huge raise. The thing is, I have no experience countering a current company and I've only ever attempted a salary discussion post-hire one time.
+
+I know the general rule is never attempt to counter your current role unless you have an offer in hand for a job you're willing to take. But what about approaching my boss/HR (once I actually get an offer) with something like "Hey, I'm really happy here, but I was approached by other companies. One of them made an offer. While I really like it here and don't want to leave, the offer is for a lot of money. Is there something we can work out?"
+
+I concede that I am still towards the beginning of my career (5 yearsish experience) and am very ignorant in the ways of salary negotiation. Any tips and advice are much appreciated.
+
+Edit: fixed typos and cleaned up some wording
+I was told I will not have my job in September due to Covid, BUT I would be paid in full until the end of August. I contribute 5.5% to my retirement account per month with a 6.5% company match plus another 11% myself. Should I stop contribute the extra 11% for next 3 paychecks? 
+
+I also have dependent care flex deducts in my paycheck. Daycare is closed since early March and I won’t be sending my child to there for a while. I still can claim another month of service with flex. Should I stop the deduction next month? 
+
+If I stop dependent care deduction, should I allocate the money to my retirement account? 
+
+These questions are more for taxes reduction purposes more than I needed the money. Thank you for reading and helping!
+
+EDIT: Wow!!! Thank you so much for your advices! These really change my view of things. 
+
+Providing some details: I got have more than a year of emergency fund saved up and other savings. I have health insurance thru my partner’s company which is much needed for a terrifying discovery last year. I’m a bit under 40, have some stocks and a 401k that are easily pull out (do not want to touch them at all). Still live a rental in NYC but the cost is very low in my area. 
+
+I’m a penny pincher which is why I want to look into tax burden. Also, looking for a new job at this point is almost impossible for me (e.g. childcare, skills after a major health scare, Covid). 
+
+After all your awesome advices, I think I will cut dependent care deduction, allocate the money to the 401k and check if I could even up it. 
+
+Let me know if I am crazy and THANK YOU ALL again!!
+I am such an ape that I still can´t spell it without double checking.
+
+Besides all the screenshots of the supreme court rule, what does it actually mean? I went through a bunch of articles to gather numbers.
+
+**ta;dr: something between 7-11m people are behind payments and affected and might be kicked out now.**
+
+While the numbers differ, I just want to throw them out here since we won´t be able to make a poll and get a real statistic setup, let´s go. (source in the end --> easy read mode, see brackets behind numbers))
+
+Again, I throw the numbers out, different numbers on the same topic but just for us to see that it´s not just a hand full of people who will be affected.
+
+One thing that I do not understand: The eviction moratorium only prevents people from being kicked out. It does not reliefe them from payments. So besides the sad fact that people might lose shelter, wouldn´t the financial impact already be seen? Now they have to pay back of get kicked out, but there wasn´t a goverment body who paid in the meantime, right?
+
+u/dept_of_silly_walks is clearly smarter and explained why it could be a bigger thing for us:
+
+>Now, you are correct. This whole time, there’s been no one paying these back rents. So we may be looking at millions of people that haven’t paid any rent in 18 months.  
+>  
+>Again, as the landlord couldn’t kick the tenants out, the banks also cannot default on the landlord’s commercial mortgage loan.  
+>  
+>  
+>  
+>That all comes to an end today.  
+>  
+>Now, landlords can evict tenants, banks can foreclose on home owners … AND, if the landlords holding commercial mortgages do not have 18 months of mortgage payments, they can get foreclosed on, too (and how are they supposed to have this cash when tenants have been living rent free for a year and a half?).
+
+​
+
+~~I am having a hardtime phrasing it like this but wouldn´t that be a good sign for banks? Now landlords can get tenants in again who pay for rent and they could ask for payments with more pressure again? No FUD or shill... I try to understand and would like to edit this if someone can help me grow a wrinkle.~~
+
+​
+
+\+++ Who is affected (**A**ll **P**eople **E**qual, just for the statistics): +++
+
+\- 24 percent of Black renters (1)
+
+\- 18 percent of Latino renters (1)
+
+\- 11 percent of white renters. (1)
+
+\+++ How many people are affected: +++
+
+\- 7m Americans (July 30th) (2)
+
+\- 10m Americans (June 30th) (3)
+
+\- 7.4m aduldts or 6.5. households (4)
+
+\- 11 million people are behind on rent  (5)
+
+\- 16% US households (5)
+
+\- more than 14% of renters are behind on housing payments (3)
+
+\+++ Which states got hit how hard (5): +++
+
+​
+
+[shameless stolen from cbs News](https://preview.redd.it/iqpeud6qgvj71.png?width=859&format=png&auto=webp&s=b19a19d6ad356400fc795af962fe22b1201085fa)
+
+​
+
+[only the 18% states](https://preview.redd.it/fe64awhwgvj71.png?width=850&format=png&auto=webp&s=0e04cd7fc89c1aff76459f2439d2228e7d24a08f)
+
+​
+
+(1) [Source 1](https://www.winknews.com/2021/07/29/eviction-moratorium-what-happens-to-renters-when-the-cdc-ban-expires/?__cf_chl_captcha_tk__=pmd_Ix.ee8vH4zU8wZKMliv89Iw2DzSVlfBfctWPB1MU3ak-1630056552-0-gqNtZGzNAxCjcnBszQk9)
+
+(2) [Source 2](https://www.npr.org/2021/07/30/1022909525/millions-of-tenants-will-be-at-risk-of-eviction-when-the-moratorium-ends-this-we)
+
+(3) [Source 3](https://www.cnbc.com/2021/06/03/more-than-14percent-of-renters-still-behind-on-rent-as-eviction-ban-ends.html)
+
+(4) [Source 4](https://www.aspeninstitute.org/wp-content/uploads/2021/07/AI-017-FSP-Report_Eviction-Report_r4.pdf)
+
+(5) [Source 5](https://www.cbsnews.com/news/eviction-moratorium-2021-expiration-renters-risk-states/)
+**)** 
+
+​
+
+All amounts are in USD, for just myself.
+
+For me, 500k is basically LeanFIRE. I could return to the city I used to live in and spend 18-20k a year and be perfectly content. I hit 500k recently with the recent boom in the market. I won’t RE right now, but theoretically I should feel some kind of relief at this point because I am leanFIRE, but I don’t really.
+
+Started working January 2015
+
+2015 – 70k income, 24k expenses
+
+2016 – 100k income, 19k expenses
+
+2017 – 140k income, 17.5k expenses
+
+2018 – 145k income – 18k expenses
+
+2019 – 200k income – 40k expenses -> I moved to VVHCOL city here
+
+2020 – 250k income – 40k expenses
+
+Expected 2021 – 250k income – 36k expenses
+
+Most of my compensation is base salary. A small portion is cash bonus. No stocks.
+
+**Financial Anxiety**
+
+You’d think I would feel better/relaxed now, but I don’t. You’ll notice a common theme in this post, and that’s anxiety. I have anxiety over spending money, saving money, investments, you name it.
+
+It’s affected my relationships a lot. At times I have been overly controlling even about my partners financial habits. Pre-covid I was seeing a therapist to help deal with this anxiety, and it has actually helped a lot to improve my personal relationships, because now I can at least recognize and feel/touch the anxiety. Before it was just hidden, unknown emotions that I couldn’t place a trigger on. I never thought of myself as an anxious person until therapy. I am outgoing, well-spoken, have no social anxiety, and don’t get anxious about presentations or speaking engagements. I do get anxious though when I splurge on a single purchase because it feels like I’m slipping into lifestyle inflation and my whole world is falling apart. I do get anxious when my partner purchases a single splurge item because I extrapolate it to the extreme - to them having given up on FIRE, and therefore we are incompatible and should break up because ‘clearly FIRE isn’t important to them’. I do get anxious when my partner didn’t want to implement auto deposits every month, because they preferred every 1-2 months just going and manually doing it. To me that just felt like it was so easy to just let everything slip and fall out of control. But they had a method and it works. At the end of the day, our annual spending is very close and I really have no reason to complain or comment on anything that my partner does money wise.
+
+Sounds crazy when you write it out, and I’ve improved a lot in this regard. Therapy has helped. My partner bought a $300 splurge item recently and I barely commented on it. My partner doesn’t do automatic deposits to investments every paycheck and it doesn’t bother me at all anymore. Therapy helped me understand that these were not rational reactions and I was actually reacting to the feeling of ‘losing control’ and ‘things just slipping’. I still often feel the financial anxiety, but the difference is that I understand the emotion for what it is – a mental illness. I can control my reactions, even if I sometimes can’t control my feelings. Before I didn’t realize it was anxiety, I thought my viewpoints were totally justified.
+
+Hell, I even bought a PS5 recently for $500 and it didn’t bother me that much! I’m thankful to now understand how annoyed I would be if my partner made a huge deal every time I wanted to buy something like this. We are all adults and as long as our annual spending is reasonably in line with our goals we are fine.
+
+So hitting LeanFIRE hasn’t really done much for me either. It doesn’t feel real at all. I’m still working and slaving away. I keep trying to tell myself that I don’t ‘need’ to work, but it doesn’t feel like that. I’m not sure if this is because I know in RE I won’t follow 4% rule, likely 3%, or if I will started to feel relaxed as I gain more NW. I basically feel the same as when I was 0 NW. It might also because I feel battered and exhausted from work. If anything, I feel more like a battered, nervous wreck than I was when I was at $0 NW. Back then I felt like I had energy, and enthusiasm, and wanted to take on the world of work. Now I just want to quit. **I shouldn't feel anxiety, but I do**. To be frank I'm extremely lucky and privileged, but sometimes it just doesn't matter. Rationally I know I am very lucky and in a fantastic position. Emotionally it doesn't feel like that.
+
+**RE plans**
+
+I plan to work for another 5-6 or so years, but that may vary depending on a few factors. My job right now causes me a lot of anxiety. The hours are not too bad, but the pressure is high, there is often conflict, tensions are very high, and I am judged on the basis of my decision making. If I make poor decisions it affects the whole business, and I am solely responsible for making a lot of decisions. I basically hope to hold on as long as I can. Every year I am adding 130k to my investment portfolio, with an after-tax savings rate of more than 75% (I pay a LOT of taxes), so I understand the value in trying to just keep working a little bit longer. I think my goal RE number is about 1.5M, which by normal projections I would hit by 2025/2026. I also have a partner who is on the same path but a little bit younger and so is a little bit behind me. Having more cushion in my number will help my partner’s situation as well and make them feel more comfortable about RE.
+
+I might not make it 5-6 years. I don’t know. The last 2 years have been really hard. I’m just trying to hold on as long as I can because my income is high relative to my NW. On the flip side, I might work 10 more. Trying to be flexible.
+
+My reasons for wanting to retire are multifold
+
+1. My job affects my mental health a lot. I just feel so much better when I’m on vacation and away from the office and away from the work stress. I’m a much happier person, my partner notices it too and says I’m a much happier person to be around when I’m away from work. This has only gotten worse as I’ve moved up in roles. When I first started my career it wasn’t so bad. Now it even affects my sleep. WFH doesn’t help this either, it actually makes it worse. It’s not the hours, it’s the pressure to succeed and the stress. I actually enjoy my work when it is lower stress periods – although not enough to spend 40 hours a week doing it. I don’t like being forced to do anything. I would consider to voluntarily work 15 hours a week even if it was unpaid, but roles like that don’t really exist for me. I don’t have enough work experience to become an independent consultant just yet, but that might be something I do down the road.
+2. I want to see the world and live abroad. When I retire I will definitely move around. Having financial cushion to be flexible there helps. I don’t know for how long, or where, but FIRE gives me maximum flexibility.
+3. I have a lot of hobbies and other ways to spend my time. I could sit at home for 3 months straight and not be bored. That’s not how I plan on spending retirement, but I have lots of things I want to do with my free time instead of working.
+4. I probably thinking about retiring every single day. I’m actively trying to not do this, after this post and responding to comments, I won’t be coming back to this sub often. I just need to get away and focus on things outside of work to try and be happy in my day to day life.
+
+I want to work longer and not RE yet because
+
+1. I want more cushion because of my financial anxiety
+2. I might want to spend more down the road
+3. I’d be nervous about my ability to re-enter the workforce if I left and the market doesn’t do well
+4. My income to networth ratio leads itself to saying I should push through as long as I can. If I was only making 30k a year with this stress, good chance I’d just quit and/or work part-time on something relaxing.
+5. I have a hard time because I feel like I've struck a golden lotto ticket. Billions of people would kill to be in my shoes and I just feel like a big whiny pants sometimes. Why would I quit when I have such a nice income and reasonable hours?
+
+I don’t want kids and neither does my partner.
+
+**Income**
+
+My income has gone up a lot, and I’ve taken a different route than most people who have income jumps like this. I’ve stayed at the exact same company who has treated me well. I’ve worked hard and been promoted fast. I’ve negotiated comp three times, but not that hard. My comp might be 10k less if I hadn’t. I also compare my compensation to people at my level in the company, and I am similarly paid to them. I’ve also spoken to external recruiters, and I’m being paid fairly. I think the notion that you need to change jobs every 3 years to maximize comp isn’t true 100% the time. If you spend the time to negotiate, compare to your peers, and have a company who treats you right financially, there isn’t a need to move around. Every company is different. Some companies you may need to hop around because they will treat you poorly financially if you are there too long. I’ve worked on 3 different teams in the same company. Also, in 2019 I moved to a VVHCOL city, and my income jumped as a result. I knew the \~250k role was coming in 2020, so that’s why the expense increase was worth it. My savings rate went down, but my total savings $ went up, and I won’t retire to VVHCOL city.
+
+I won’t be sharing my industry or my location or any other information.
+
+**Expenses**
+
+I discovered FIRE midway through 2015 and started being more conscious of expenses then. I also had a few extra expenses such as some student debt to pay off in 2015. I was always frugal, but became a lot more focused once I figured out I could retire early. The biggest thing I changed after discovering FIRE was just cooking more.
+
+I didn’t go to school in the US so my education was significantly cheaper. I graduated with only a few thousand dollars of debt. My parents contributed about $8000 to my education, the rest was self-funded. Worked in high school, had internships in college, etc.
+
+Now my expenses are high, but of the 40k total expenses, over 2k of that is my share of the rent. I share a 1-bedroom apartment with my partner. I live in a very expensive city, but I could easily drop my expenses back down to the \~20k level by moving.
+
+**Investments**
+
+I’m roughly 50/50 VTI and VXUS. I believe in global diversification. The US has done very well lately, but that doesn’t necessarily mean it will continue to do well in the future. My investment strategy is basically to mimic the ETF VT. If US becomes a larger proportion of the global stock market, so will my portfolio. Basically what I am saying is that I don’t rebalance. I purchase ETFs every paycheck, and my strategy is just to buy to get myself closer to the VT proportion. VT is around 50/50 now, so I almost just alternate every paycheck buying VTI and VXUS. I don’t need to do anything large because as my ETFs move up and down in value, they are automatically moving towards my goal asset allocation, because my goal is a moving target. As well, my post-FIRE plans lead well to holding high amounts of VXUS as I want to have larger exposure to different currencies.
+
+I didn’t change anything during the brief covid recession. Just kept plugging along.
+
+Real estate is too much work for me. I don’t want to be a landlord. I don’t own the home I live in because I want to move often and 5 years isn’t enough for it to be worthwhile.
+
+**Other ideas**
+
+I’ve toyed with just moving abroad now, and quitting my job and accepting a lower paycheck. That might happen if someday I just can’t hold on any longer. It would be hard for me to take a lower paycheck at this time, maybe if I had a larger NW. I love where I live but I also want to see the world and live abroad.
+
+I’ve toyed with finding a different job that is lower stress, but I’m not sure it exists at this compensation range in my profession. I also enjoy that my hours are reasonable at my job. Sometimes I miss the days of 2015 where I made 70k a year and had no real responsibility. I worked slightly more hours back then, but I wasn’t the one who was ultimately responsible, and my work stress was significantly less. But I’d rather work 5 more years at 250k than 15 more at 70k.
+
+I don’t have a networth tracker. Sorry! I have no idea. They’d be guesses.
+
+**Summary**
+
+That’s it. Feel free to AMA. I was a little bit afraid to make this post because I didn't want to just be another "High income earner reaching FIRE at a young age" post, but I think the other aspects of my situation hopefully make things more interesting. I definitely recognize rationally that I've had a fortunate upbringing and am lucky to be here.
+
+FIRE can't control your life. Easier said than done, but I know what I need to do. I need to do things to make my daily life happier, stop daydreaming about retirement, and just be happy. I will only have my 30s once.
+
+Also - therapy is amazing. If you tried it before and didn't like it, try it again with a different therapist! Took me 3 or 4 to find one that clicked.
+This will be a quick fluff / hype post. I’ve been diving deep into NFTs recently because I learn best by doing, and what I’ve learned is SO many people in the NFT space are WISHING for a decentralized NFT marketplace with no gas fees, and none of them know about GameStop’s NFT marketplace, which I believe will be decentralized because if Loopring is their partner, Loopring helps companies build decentralized exchanges / marketplaces. 
+
+I made a new friend today who is into NFTs and crypto for awhile and never heard about GME’s marketplace till I told him about it today, which really just hit home for me how MOST people, even NFT enthusiasts, are not expecting this at all. Of course we’ve been making a lot of noise about this marketplace and some smart whale investors are keeping their eyes open to invest in companies that launch NFT marketplaces, so GME may be on those people’s radars, but for so many others who we don’t reach, they will be completely unaware until it launches, which I believe will lead to early investors like us getting rewarded. I’ve been here since Jan but GME still a fresh AF play with huge company growth coming and MOASS potential. Merry Christmas apes, it’s gonna be a great time, so grateful to be holding GME. Honestly, all it takes to make it is patience and DRS. I’m 100% DRS since Nov.
+Welcome to the Daily Altcoin Discussion thread of /r/EthTrader. 
+
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+
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+
+Enjoy!
+
+Hi Everyone,
+
+Thought I'd do a quick FYI on APRA's change, why it happened and what the impact is, as I haven't seen this been widely communicated.
+
+​
+
+**Background**
+
+While the rate on your mortgage might be 4%, the bank is required to assess your affordability based on a rate of at least 7%, effectively to ensure that you will still be able to afford the loan if there was a massive increase to interest rates. The rule has historically been a floor of 7%, or 2% higher than the standard variable rate (SVR). Several years ago the SVR+2% calculation was fair, however since then the SVR has become redundant with most banks offering rates 1-2% below this level. Further to this, APRA questioned a couple of years ago if it was prudent to only have a minimum of 7%, instead of 7.25%-7.50%. As such, most banks now assess your loan affordability at a rate of 7.25%-7.5%, while your actual rate will be around half that.
+
+APRA yesterday announced that the floor will be removed, proposing banks instead add 2.50% to the applicable rate in assessing affordability. On a rate of 4%, this would be 6.5%.
+
+​
+
+**Why they've done it**
+
+They have been lobbied by the banks, but to be honest it makes a bit of sense to me. Lending in Australia has never been more conservative than what it is now. Sure - there's good reason for this, which will help deflate our over-priced housing market, however it is important that we move at a steady pace and don't have shocks in the economy. APRA started tightening lending standards a few years ago, and over the past 24 months have started to relax back to the pre-control level. The purpose of this was to slow the growth and then slow the decline.
+
+Note that this change will have a bigger impact than any other lever they've pulled when it comes to slowing the decline on house prices.
+
+​
+
+**Impact**
+
+To provide an illustration, if you earn $100k by yourself with no debt and minimal living expenses and want to borrow for a mortgage over 25 years, you can borrow approx $576k where the affordability rate is 7.25%. When this drops to 6.75% you can now borrow $600k and when this drops to 6% (which it very well may be within a year), you can borrow $640k.
+
+​
+
+**Is this reckless?**
+
+Given the 2.5% buffer to the rate is still recommended by APRA, this is really just taking us back to where we were 5-10 years ago in assessing affordability. There are a number of other prudential changes now in effect that will continue to stop excessive lending, such as the scrutiny on living expenses. In my view, a few years ago Westpac were handing out interest only loans using HEM measurement of expenses like candy, and that was where the real risk was as there was an inability by borrowers to repay the principal. I see this as moving to a conservative assessment from an ultra-conservative assessment.
+
+​
+
+Thanks for listening, hope that helps someone :) also welcome any debate, obviously a few of these points are a matter of opinion!
+Hey there folks! Today I want to talk to you about what’s really going on in the stock market and what we should expected next…
+
+**\[Don't: Read Very Long Post | Dislike Before Reading\]**
+
+So, in the last couple of weeks, we have seen a very fast correction in the tech heavy Nasdaq [Index](https://imgur.com/aK26hjA) after the bond yields rapidly spiked over 1.5% for the 10y, as a lot of investors kept getting spooked by the employment numbers coming in slightly better than expected, though many important things are still hidden in those numbers.
+
+For example, last week we saw the US gaining almost 400K jobs, but this barely moved the unemployment [rate](https://imgur.com/7PJTWUA) which still stands at 6.2% (and this doesn’t even include people who just quit searching for jobs). Almost all of the job [gains](https://imgur.com/B3av5gb) were seen in the leisure and hospitality sector, which has started to regain some momentum after it was the most affected by the events of last year, as this sector is still down more than 3.5M jobs since a year ago.
+
+These past weeks we also [saw](https://imgur.com/yeudkin) jobless claims continuing to go down, with the latest initial jobless claims coming in at the lowest level since last early last year at just over 700K, as the continuing jobless claims also coming in at just over 4.1M.
+
+But guys, regardless of the jobs & unemployment numbers, the main thing that will keep investors on edge will continue to be treasury [yields](https://imgur.com/rDjy9fO), the interest rates and how this are affected by the inflation [numbers](https://imgur.com/awXUGgw) which are expected to see a huge bump in the next months as we will have very low comps compared to last year when we saw the rona starting to pick up steam.
+
+We can see [here](https://imgur.com/QbuiSot) the core inflation came lower this month with an increase of just .1% which jolted the stock market and started a recovery after the sell-off in the past weeks.
+
+Given that tech names & EVs were some of the biggest hit stocks we should also take a quick look at NIO, as the company lost almost half of its value in the past month, dropping from over $66 to just $35 after the big sell off in the past weeks.
+
+NIO’s drop was also amplified probably by the fact that they posted mixed [results](https://imgur.com/t0jRJEW) for the 4th quarter of last year, as they just missed the top line but did manage to post a solid beat on the company’s bottom line, losing just $0.14/share.
+
+Investors might not have been happy to see a guidance of just 15% above their 4th quarter given the huge valuation and expectations of the company and the huge global chip shortage that will limit NIO’s production capacity to just 7.5K/month in the 2nd quarter of 2021.
+
+I still have a mixed opinion about NIO’s stock, but after this huge sell-off, it has become more attractive given the continued [growth](https://imgur.com/cI1TNWJ) of sales the company has seen in the last years, while I also believe NIO will remain one of the winners of the EV disruption.
+
+The other stock that I wanted to mention after what has happened in the past weeks is Zoom.
+
+I really like Zoom’s products and I understand the hype of the stock, but I also really believe they will struggle to keep the huge growth rate going, as the company might have seen its peak growth after the massive work-from-home movement in 2020.
+
+[Zoom](https://imgur.com/UygZxJZ) also reported a beat on the top & bottom line and I expect them to continue to have another great first half to start 2021, but after that, the company will have very though comps to go against, which might really put some downward pressure on the stock, especially as more people go back to their workplaces.
+
+You can see, even the company doesn’t expect the huge growth to continue, with the revenue growth expected to only slightly continue to grow during 2021.
+
+Zoom is valued at almost $100B which is really hard to justify unless the company continues to innovate and bring more & more products to the market, as the industry they operate in will only become more competitive over time with other big players like Google, Microsoft, Salesforce & many others looking to take market share.
+
+Guys, if you are still in doubt about what to do next in the stock market, you should just take a look at the chart below and start thinking long term, because investing, if you are really looking to make money is all about the long-term.
+
+You can see [HERE](https://imgur.com/ZlO593t) in the past 100 years we've had 8 bear markets previous to the one we saw in 2020, with the average bear market lasting just 1.4years compared to over 9 years for every bull market with a staggering difference in gains vs losses as well.
+
+We can also see in this [chart](https://imgur.com/wM39iSQ) that it only took 15 days for the Nasdaq to enter a 10% correction this time, but you can see the average 12 month return after a 10% correction is almost 30% which is huge, with the likelihood of the index posting a positive return in the next 12 months standing at over 90%
+
+So, given that we had a bear market last year, I believe it’s highly unlikely that we will see a huge drop in stocks even if yields continue to rise, as the real return of the treasury yields will continue to be close to 0, as I don’t expect them to jump more than 2% for the 10y anytime soon.
+
+Moving on, I recently saw some [comments](https://imgur.com/I3ijkKT) made by David Tepper which I wasn’t really aware of but which made a lot of sense to me, he highlighted that the other downward pressure put on treasury yields, which will keep them in check, will come from investors in other countries like Japan, Germany & many others, as the US treasuries have become way more attractive than others.
+
+One other thing that I think should be mentioned is that the [Dow Jones](https://imgur.com/undefined) has continued to make new high after new high in the past week, being led by companies like Disney which has just surpassed 100M [subscribers](https://imgur.com/fCTDNGX) on their Disney+ platform while also getting a boost from their other revenue streams starting to come back online, and of course the stock that has led the DOW in the past week, Boeing, as the [company](https://imgur.com/K6SPGY1) had more sales than cancellations for the first time since November 2019 as the 737 MAX crisis is finally starting to fade away for the company, with even more possible [deals](https://imgur.com/4XYgfs9) likely to close in the next period, as airlines start to have a better view of what the future will bring for them.
+
+Friends, you shouldn’t be scared of stock market corrections or dips as we have [seen](https://imgur.com/74dAwZO) a 10% pullback once every 11 months as you can see, with the frequency of bigger crashes decreasing significantly, but as always, because we are highly emotional beings, it’s very hard for us to handle our emotions after a series of red days.
+
+You should remember though, most often than not, the best way to go is just to ride out the dip and even starting deploying more cash into the stock market the more it drops. I think you should develop a strategy of not selling on big red days and deploying an increasingly higher % of your cash into great stocks the more the stock market drops.
+
+I also fully expect some part of the next stimulus check, which was just signed by Biden, to end up in the stock market, which might help push the stock market on the right path despite increasing pressures from rising yields and possible short-term inflation fears.
+
+**So just to end this post guys, is the stock market going to crash? My short answer is NO!**
+
+I don’t expect that to happen any time soon. Even if we continue to see volatility in the stock market you should use that to your advantage and smartly deploy cash into great companies, which leads me to my other question, should you buy stocks today? Well, at the moment of writing this post, futures are currently trending down pre-market (SP & Nasdaq in the Red, Dow +0.2%) and If they continue to do so it might be a good chance to deploy some cash, but don’t rush into the first red day you see, slowly build your positions or add to them. As a rule of thumb, I like to buy more once a 5% dip occurs in the stock market and slowly deploy cash the more it drops.
+
+**Thank you everyone for reading🙏 Hope you enjoyed the content! Be sure to leave a comment down below with your opinion on the stock market! Have a great day and see you next time❗**
+What with the spike and expected fuckery, please remove your stop losses on your open positions. 
+
+
+Hedgies have access to this info via many brokers and it can be used to dip the price that could trigger auto stop losses, meaning your positions will be closed. Don’t let this fuckery happen. 
+
+Stay safe. Stay stronk. Stay ape.
+
+Edit: thanks for the awards, apes. But save that money for even a fraction of a moon ticket, or a bag of space nuts for the journey.
+Hey all,
+
+I’m a 20yr old college student started trading stocks January 2022 with 30k and now it’s at 15k. I’ve lost about half of my life savings and I honestly feel miserable, I can’t even comprehend that I’ve lost that much. 
+
+It has lead to anxiety attacks, panic attacks, depression, and loss of energy/motivation. Just today I woke up in the middle of the night because of the anxiety. 
+
+I’m thinking of taking all my money out since the market is going down anyway, and just stop trading for a couple years. 
+
+Regardless it’s really hard for me to do that because I had such high expectations for myself in the market, but I’m so done.
+
+Any advice? I’ve been extremely down for a long time now.
+Throwaway; a couple years ago I hated my corporate job and followed my passion. My husband was ok with it and fully supportive even if it meant I wouldn’t make much. With a small personal investment and a major sacrifice, my business dream came to fruition.
+
+ I opened a dress business; which quickly grew  into an e-commerce business that has grown tremendously fast. My personal compensation is 10% of the monthly revenue, which right now is anywhere from 40k-70k a month. It’s been life changing for my husband and I.
+
+I absolutely love what I do. I love my job and I love the industry. In fact, I look at dresses all day in my down time. You could call it a hobby that makes me money and takes up most of my day.
+
+Whilst I’m happy - I feel like right now so much of the business truly runs my life - rather than the other way around. I lack the boundaries when to stop and lately I am wanting more ‘lifestyle’ - where I work less or can dawdle around. I recently had a baby and want to kick back a little more and delegate to others.
+
+ I recently felt slightly envious of a friend on maternity leave who had zero responsibilities for 2 months (she has a normal corporate job) 
+I would love to have just a solid week of not having to run things - but I then remind myself I make a very high income that not many others do; and this is the reality of my lifestyle choice as a business owner.
+
+I currently have 7 employees and could do with a few more; and I’m working on offloading some more responsibilities.
+
+For those of you who have grown your business in such a manner; how did you step back or manage to achieve the ‘lifestyle’ where you feel like the business doesn’t run your life?
+First of all (thx for the comment to remind me) :
+
+There are no immediate actions needed. No urgent, it is not a "do-this-now" & no organized mass actions. It is just for information purposes only and help other apes go through the voting. So relax, read that slowly, make your own decision & don't hesitate to share some info with us to enrich that post.
+
+\----------------------------------------------------------------------------------------------------------
+
+**EDIT11,12,13,14,15,16, 17, 18,19 :** *LAST UPDATE : 08/05/2021 11:24 BRUSSELS TIME* ***:***
+
+*added some brokers even oustide EU & alphabetical reorganisation + fixes with new inputs*
+
+**EDIT10 :** *24/04/2021 08:01 BRUSSELS TIME :*
+
+It seems that lot of EU brokers say AT FIRST that they don't allow to vote for US stocks. BUT, it seems that if you ask them directly for a certificate which officially confirms your holding on the 15th of April (which can be free or required a payment depending of the broker check the list at the end); and that you send it to gme; you may be able to get a control number. Nothing set in stones yet.
+
+I'm contacting Investors Relations hoping I'll get an answer and I'll update that post.
+
+***You may experience different answers that others apes had, don't take what is gathered here as the absolute and unique truth***  **🙏**  ***always check directly with your broker***  **🙏** ***and if you have a new info, write it in the comment I'll update the thread.***
+
+\----------------------------------------------------------------------------------------------------------
+
+# 💎 Hi Fellow apes / GME investors ! 💎
+
+The day has come to make yourself heard. I know some of you are not used to vote; but in the coming days your actions may be decisives.
+
+**✋** *\*FIRST CHECK AT THE END OF THE THREAD & IN THE COMMENTS TO SEE IF YOUR BROKER IS LISTED TO AVOID SPAMMING THEM\** **✋**  *~~IMPORTANT with some brokers if you register to vote you're unable to sell the shares (you registered) before the shareholders meeting date. For the ones that are scare to miss anything, remember, you can register a fraction of it.~~*  ***That info IS wrong (it has been checked twice) since the custodian date is already in the past. If you have any doubt call your broker.***
+
+**If you want to vote** : It depends on which BROKER you are but the majority of them don't automatically transfer you the PROXY statement specifically when it concerns shareholders meeting related to US stocks.
+
+What you would need to do :
+
+1. Call your broker and tell him that GME released the **"Information required for the Proxy Statement"**
+2. **Ask them how to proceed to VOTE** (don't be shy, don't hesitate to ask for a full detailed answer, there are no dumb questions at that point). You can say that you read that you need a **CONTROL NUMBER**.
+
+NOW depending of your broker they can say several things :
+
+1. No problem, we'll send you all the related paperwork and your control number
+
+=> **GREAT** just proceed
+
+=> Go on [HERE](https://www.investorelections.com/GME) and follow the steps (it's the official link from the [DEFA14A](https://investor.gamestop.com/node/18841/html))
+
+2) Sorry we are not used to do that, I'll check with my supervisor.
+
+=> Not so GREAT **but it's OK**; just give them a day or two, if no news, maybe you should CALL THEM AGAIN.
+
+3) Sorry we bought your shares through an American Broker and it doesn't allow you to participate in the VOTE
+
+=> if you want to go further, **ASK them for a detailed written mail of WHY you can't participate.**
+
+=> IF they don't send you that mail in a couple days, maybe it is time to **CALL THEM BACK** ask why. *Don't fall for the conspiracy theory, maybe it's just regular business that you can't vote; not everybody read the tiny notes on all brokers contracts. Take that as a lesson for next time.*
+
+Once you get the mail, contact the **INVESTOR RELATIONS** of GAMESTOP by mail or phone (once again don't be shy, you're not stupid) :
+
+**Investor Relations Phone**: *001 817 424-2001* **Email**: [*investorrelations@gamestop.com*](mailto:investorrelations@gamestop.com)
+
+Check with them if they can help and if there is something that can be done.
+
+If not, you didn't waste your time since the Investor Relations at Gamestop will surely record your statement and archive that in case they want to proceed with a thourough investigation on why you were unable to vote. Or they can just register it and have a better idea of how many persons are in your situation.
+
+You did all that? GREAT, you can go back doing nothing.
+
+\-------------------------------------
+
+**Don't hesitate to share your experience with your broker (name it) to help to other fellow apes.**
+
+I'm with BOLERO, I contacted them this morning, they said that they will send me all the details on how to proceed. The woman was kind of clueless since she needed to wait for her colleagues to address my issue. I'll keep you in touch on how it goes.
+
+PEACE
+
+\--------------------------------------
+
+# 🚀 List of brokers and related info from the Comments 🚀 :
+
+*(since I can't verify everything I rely on trust, always check directly by calling the broker yourself)*
+
+\- ABN AMRO :  All clear. Apparently, no extra costs, they send an email with the proxyvote link and the code required to login.
+
+\- **AJ Bell (UK)** : Can't vote via proper channel, stored in CREST.
+
+\- **Avanza** :  Voting with Avanza is not possible outside the EU, according to [https://www.avanza.se/kundservice.html/457/hur-anmaler-jag-mig-till-en-bolagsstamma/?categoryId=348](https://www.avanza.se/kundservice.html/457/hur-anmaler-jag-mig-till-en-bolagsstamma/?categoryId=348)
+
+\- **Avenue (Brazilian)** : Need to call the broker.
+
+\- **Baader Bank** : Seems possible waiting for more info.
+
+\- **Belfius** : Apparently can't vote through dedicated proxy.
+
+\- **Binckbank** : Should be eligible, go to "mij rekening/instellingen/producten en diensten => digital voting by proxy (5€/vote)
+
+>Other apes who contacted them told me that BinckBank doesn't allow to vote for US stocks. As all brokers they can deliver a certificate but we don't know yet if it's enough to get a code for the vote.
+
+\- **BMO Investorline** : Shoud automatically send the document online, if not, call them.
+
+\- **BNP PARIBAS / SMARTBROKER** :  You should receive an invitation for the vote in your (mail) account. From there you can request your right to vote for free!
+
+\- **Bolero** : They don't automatically send you the proxy. They are waiting for the paperwork that should arrive by mid-May, need to be contacted back at that time. Apparently no extra costs.
+
+\- **Broker Ninety Nine** : Apparently can't vote.
+
+\- **Comdirect** : Should send the paperwork mid-May. Apparently no extra costs.
+
+\- **Dad.at** : ~~charges 150€ to register you for the meeting.~~ Apparently it's 40€.
+
+\- **Danske Bank** : (copy/paste)
+
+Danske Bank (in Finland) told me that the request to vote in an international company's meeting was rare, but after looking into it said it could be done. Looks like there is a relatively standard form and some piece of procedure on the bank's behalf that needs to be done - they fill and submit the paperwork for you, and they essentially just need the information for the "Voting instruction:" -field of the form. They do charge a pretty hefty EUR 75 + VAT fee, though.
+
+\- **Degiro** : Read below! Just need to inform your broker and pay 10€. All clear.
+
+*~~Warning for Degiro users there are sources that say that these shares are blocked until the date of the meeting and cannot, therefore, be sold. So just register a fraction of it~~* [*~~Link~~*](https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.degiro.ch/data/pdf/ch-en/ISI%2520-%2520Corporate%2520Actions.pdf&ved=2ahUKEwjWmPLGzvvvAhW1aRUIHVkJCGEQFjAMegQIDRAC&usg=AOvVaw19YJJG0RwQTDy2l0RoD4rx)  **That info is WRONG (it has been checked twice) you can vote without blocking your shares. Check with your broker if you have any doubt.**
+
+>However ('cause life isn't simple) other sources say that it doesn't block anything since the custodian date was earlier (which make sense for me) : [https://i.imgur.com/co9Q61H.png](https://i.imgur.com/co9Q61H.png)
+
+\- **DIRECTA SIM (Italy)** :  Voting is free of chargeTo obtain your code you must submit your request to the customer service via email at [directa@directa.it](mailto:directa@directa.it)
+
+\- **DKB** : Seems to charge 300€ for the certificate.. ouch
+
+\- **DNB (Norway)** : ~~Seems to charge 100€.~~ To vote contact [corp.acts@dnb.no](mailto:corp.acts@dnb.no)
+
+Price is NOK 2000,- (approx. $240)
+
+\- **Eerste Bank** : Apparently can't vote.
+
+\- **eToro** : Apparently can't vote. (copy/paste)  *Although you are trading the value of the underlying real asset, you are not issued a stock issuance certificate or allocated voting rights and your name is not registered under the share register. Nonetheless, should the company issue dividends, your balance will be updated in accordance with your holding*
+
+\- **FLATEX** :  Flatex charges you EUR 5,90 for the certificate showing that you are the proper owner of the shares in your Depot. You need to mail this certificate then to Gamestop (Investor relation) and let them know that you want to participate in the shareholder meeting and prior to it already to the election
+
+*~~It seems that it is not possible for flatex customers to participate in the vote without getting blocked from trading the shares unfortunately. (same as degiro) - so register a fraction of it~~*  ***check degiro line***
+
+\- **Fineco** : Possible to vote, need to contact the broken, FEE for voting 100 GBP.
+
+\- **Freetrade** : Apparently can't vote. [Link.](https://www.reddit.com/r/Superstonk/comments/mwt2sp/international_apes_and_voting/?utm_medium=android_app&utm_source=share)
+
+>If your securities are held in the Freetrade ISA, it seems that you may be eligible for vote. Waiting for more information.
+
+\- **Hargreaves Lansdown** : It's not possible to vote. The shares are held as CREST Depositary Interets to enable them to be settled through the UK & Ireland. To be able to vote, GME would need to contacts CREST directly. A fellow ape already transferred that to GME Investors center to see if there is something that can be done.
+
+\- **HSBC France** : Should send the details in the coming days.
+
+\- **HSBC Germany** : Apparently unable to vote (always check with your broker).
+
+\- **IG Share Dealing (UK):**  email [corporate.actions@ig.com](mailto:corporate.actions@ig.com). You should receive a mail with instruction on how to vote around the 7th of May at last.
+
+\- **ING** : not possible to vote.
+
+\- **Interactive Brokers**: if you have a cash account and disabled the lending then you will get your documents. It can take up to mid may.
+
+\- **Interactive Investors (ii)** : You can vote either by telephone or by the secure message system of the broker. You may ask the control number if you want to vote using the online proxy site. No extra costs.
+
+\- **JustTrade** : Apparently can't vote.
+
+\- **Keytrade** : Apparently can't vote. (asks 20€ to get a certificate)
+
+\- **Kreissparkasse** :  (Erlangen-Höchstadt) doesn't provide control number but does send a depot statement.
+
+\- [**Lynx.nl**](https://Lynx.nl) : Can vote. Some apes already received their control number.
+
+\- **mBank BM**  : Apparently needs to pay 250€ to be able to vote.
+
+\- **Nordnet** : Apparently can't vote.
+
+\- **Nordnet Finland** : Apparently can't vote.
+
+\- **OnVista**: They don't offer voting but you can request a certificate (costs 20€) to send to [investorrelations@gamestop.com](mailto:investorrelations@gamestop.com)
+
+\- **OpenBank** (santander) : Should send the details in the coming days.
+
+**- Rabo Bank :** Can't vote apparently.
+
+\- **Raiffeisenbank Austria** : Ask for a confirmation deposit/certificate from your broken, then send it directly to gamestop to get voting rights.
+
+\- **Revolut** : UPDATED! Revoluts started to send the mails to vote. All Clear.
+
+\- **Saxo Bank** : You should be able to vote. Ask for a certificate and send it to [investorrelations@gamestop.com](mailto:investorrelations@gamestop.com) to get your control number.
+
+\- **SelfWealth (Australia) :** Apparently can't vote.  *SelfWealth has no beneficial ownership or right to either your holdings or cash. Your shares are not being lent out and you do not have voting rights for any US Stocks*
+
+\- **Sharesies** : Apparently can't vote.
+
+\- **Stake (Australian)** : You should have received a mail with instruction pointing to [vote.saytechnologies.com](https://vote.saytechnologies.com). All clear.
+
+\- **Swissquote** : UPDATED! Ask for a proof of ownership, you should receive it for the 15-04-21 then email it to [investorrelations@gamestop.com](mailto:investorrelations@gamestop.com); you should then get a control number
+
+\- **T212** : (copy/paste from comment)  They send an email with certificates within 24 hours.
+
+>It seems that for T212 it depends. Some apes had a different answer :  "Please note that voting rights are currently not available through our platform. However, should there be any development on the matter whatsoever - we will make the appropriate announcements."
+
+\- **Trade Republic** : it seems that you can't vote.\*\*
+
+>Some apes are telling me that it may be possible. I'm waiting for more info. ALWAYS CONTACT YOUR BROKER to be sure, don't take what I gather here for granted since you may experience a different situation.
+
+\- **X-O (JarvisIM)** : Apparently has confirmed you can vote, just need to email them at least a week before the AGM. They also confirmed it will cost £20 + VAT
+
+\- **XTB (xStation)** : ~~You have to pay 250€ (minimum) for the certificate... ouch .~~ Other apes says that the docs should arrive by the 19th May. Apparently no huge fees, contact your broker.
+
+​
+
+\-------------------------------------
+
+EDIT1 : \*Procrastinating (title typo)
+
+EDIT2 : Rephrasing.
+
+EDIT3,4,5,6,7,8,9 : Adding new brokers
+On the way to fat with a partner, just wondering if anyone else out there hit their number and then went back to school for something perhaps more soul enriching?
+
+The recent run-up in stocks/RE has been kind to us and I can foresee punching out in the near term from an office gig (IT). Likely will be early to mid 40s and will not 'need' work to provide for generous living expenses.  Thinking of going back to school for somethign in the medical field (nursing or PA, likely) just to stay engaged, learn/explore a new skillset, and work in medicine. Likely have the pedigree/smarts to do med school but no interest in 7 more years of school, am no spring chicken.
+
+Curious if any other fatties out there went back to try a different road after already winning the money game, especially if it's med-adjacent.
+Hi Guys,
+
+Just got the information from my dad - $132k owed after graduating from Uconn this past spring (4 year undergrad). Just over $1500 a month or $1100 if I refinance and go for a 15 year payment plan. 
+
+As of now I have about $30k in savings and make $3200 a month (after taxes). Once I go from contractor to employee I will likely make close to $65k-$70k. 
+
+No monthly expenses as I live at home, car is paid off.
+
+The amount I owe seems insurmountable. Like I'll never be able to buy a house or car. I know everyone is going to say live frugally and pay off aggressively (which I will). But are there any good government programs or other things I should look at?
+
+
+I thought I had posted this. Here are my loans (all Gov't)
+
+* Loan 1 - Dept. of Ed - $26,817.00 @ 7.9% - Current balance is $34,740.85
+* Loan 2 - Dept. of Ed - $28,158.00 @ 6.410% - Current balance is $33,121.88
+* Loan 3 - Dept. of Ed - $29,390.00 @ 7.210% - Current balance is $33,100.12
+* Loan 4 - Dept. of Ed - $30,868.00 @ 6.84% - Current balance is $32,420.10
+I just opened an account on Degiro and plan on depositing some money every month to invest in different ETFs. I plan on keeping my money in investments for years and years. 
+I'm not particularly interested in dividends, but I would then pick ETFs that reinvest my dividends.
+I've done some reading online, but it's still not clear to me... Do I need to declare it in my taxes if my investments grow, even if I never take cash out? Do I need to declare my dividend payments if they are automatically reinvested?
+Is it true that I should only invest in UCTIS funds? 
+For context, I pay my taxes in the Netherlands.
+New to investing, any help is appreciated
+I found these 3 world ETFs and don’t know which one to choose:
+
+iShares Core MSCI World UCITS ETF (IE00B4L5Y983)
+
+SPDR MSCI World UCITS ETF (IE00BFY0GT14)
+
+Vanguard FTSE All-World UCITS ETF (IE00BK5BQT80)
+
+​
+
+They are all accumulating
+
+Vanguard ETF includes emerging markets and is pretty new
+
+TER: iShares 0.20 %, SPDR 0.12 % and Vanguard 0.22 %
+
+I have not yet invested in any of them and would like to know which one you chose/would choose and why? If I chose iShares or SPDR, do you think I should invest in emerging markets as well?
+
+Btw. I found out that for all of these ETFs there is USD, GBP and EUR version. Since I don't use any of these currencies, which one should I choose? Or is it pretty much irrelevant?
+I am 30M single, living in Spain. I want to build up the right passive income strategy to grow my assets and hopefully start working part time in 5-10 years or to retire early in 15-20 years (not sure about this yet).
+
+My current assets are (I spent some time in the UK so have some assets still in pounds):
+
+* £20K UK pension plan
+* £65K UK cash
+* £30K ETFs in UK
+* €80K Spain cash
+* €40K Spain parents gift\[1\]
+
+In total (except pension plan) €230K.
+
+1.My parents want to give me €40K, they gave this amount to my brother for buying a house so they want to make it even with me.
+
+​
+
+My annual full job income is: €60K + \~€15K(shares). This is about €4.5K a month after tax. I spend a bit less than €1.5K every month on living. I live in a shared flat. I save most of my salary.
+
+​
+
+My current employer will 3\* my contribution to a pension plan. So for example, they monthly take €300 before tax and put €900 to an account where it is invested. This is also very tax efficient, so I will max it out. I will also move the UK pension plan to Spain.
+
+​
+
+My objective is to grow my assets, without having to actively manage it a lot (I don't like finances). One of the concerns is taxes, any additional income gain now will be taxed at 45% due to my salary. The allocations I have been thinking about for the €230K are:
+
+* €10K Emergency fund.
+* Buy a flat to rent (€70K). Basically, get a mortgage for a €200K or less flat, put 20% upfront + 12% tax, and rent it out. I know an area that is quite good for rental in my hometown. I think the Spanish market is very good now (it's sad but people can not afford to buy a place). In terms of taxes, it is quite tax efficient in Spain. I will be paying 45% tax of a 40% of the benefit. So if I make €6K for the flat annually, I would be paying less than €1080 of taxes. I am not good with finances and I don't like spending time on it. This is going to be a sacrifice for a greater good. If this works out, maybe get a second flat in one or two years.
+* €50K savings account: Open a couple of savings account and deposit the money for 1-2 years. I think the expected return is around 1% annually. It is taxed at 19%.
+* €90K ETFs: I currently have World tracker + S&P 500 + Nasdaq + Tesla shares (I know, I did not diversify very well). The plan is to stick to either world tracker or S&P500, but have not decided yet which one. It is taxed at 19%.
+* €10K crowdlending: I registered in around 10 platforms that invest in personal and business loans as well as real estate. I plan to diversify among those 1K per platform. I think I would be paying around 19% capital gain tax and the expected annual benefit is around 7%-10%.
+
+​
+
+So, the summary is:
+
+* 40% ETF
+* 30% real estate
+* 22% savings account
+* 4% crowdlending
+* 4% emergency fund
+
+​
+
+Something else I did not mention: I am keeping the pounds invested in the UK because of sunk cost fallacy. I expect the pound to go up after Brexit and refuse to assume I lost 30% of my savings there.
+
+​
+
+My idea is to start with this for a year. After that, decide what to do next/adjust based on what happened: If the real estate worked out very well, then think about getting another flat (take money from savings account). If renting a place is too much hassle, but crowdlending is working fine, then move money from savings accounts to crowdlending, etc...
+
+​
+
+* Is it too risky the real estate idea? I have some friends that did this recently and it is working out very well for them. I have been reading about law, the market, strategies contracts seems quite low risk.
+* Is €90K in shares too much? I am also concerned about a possible bear market and losing a lot upfront if I put everything now. Maybe I should invest 3K a month for 2 years?
+* Does the plan make sense?
+* Is there something I am missing or some other investing idea I should look at?
+
+​
+
+Thank you very much :) :)
+I found a lot of useful advice on asset allocation in Europe already. 
+
+One question I have is what to do with cash savings, eg for short horizons, emergency funds, planned large investments coming 1-2 years, etc. Also I still don’t feel comfortable going all-in now on my target bond allocation with low&rising interest rates, so I have a relatively higher share of cash currently than my target. 
+
+I managed to find 0% accounts to store my cash. One example being Interactive Brokers (50k for EUR and unlimited if willing to also have USD). 
+
+What other options do you use? Did you find reliable EU CDs, TIPS, other options that suite this purpose? Most of what I found is US oriented so not relevant/ideal for me.
+So, I want to start from next month to invest 100 euros/month on European ETFs. I currently invest in Romanian Stock Market using a local broker ( around 200 euros/month ), but the problem with him is that he requires a 3000 euros in advance depositor for investing on European market, which I don't have.
+
+​
+
+I know this information is somewhere here already explained, but it feels like the options vary so much ( from sites to trade to what ETF to buy that I am stuck in the same loop, thinking of  buying, doing the research, find it overwhelming and give up for an other month).
+
+​
+
+I have a stable job, I have an emergency found, I am pretty much set to invest beside my 200 euros in Romanian market an other 100 soon to be 200 euros in European market. I want some ETF that are buying stocks ( not looking for very low risk ETF like bounds ETF), but I am not looking either for high risk ETF. What do you think will be my best to GO option ( maybe 2 ETF and go with 50/50 at the beginning then 100/100)
+
+​
+
+And the most important, what platform should I choose, I want something safe and easy to invest monthly. ( low commission if possible).
+
+​
+
+Any ideas would be greatly appreciated
+
+​
+
+>!EDIT what I've learned so far. !<
+
+1. Trading platforms (best for Romania)
+   1. XTB
+   2. Trading212
+   3. IBKR ( not really sure about this one)
+2. Should invest into
+   1. EUNL/IWDA/ SWDA  <- same stock different currency ( I might be wrong here). So here it depends on what currency I want to open my account on.
+   2. CSPX/SXR8 <- same stock different currency.
+
+​
+
+So now my questions are. Should I keep one currency like USD and go for CSPX and IWDA? Would that be a good option? And invest like 60%/40% (350$/150$ each 4months)?
+
+​
+
+​
+So, I am 22, I live in Spain, I've been working for 2 years now, even since I started to work I began to save half of my salary (Initial idea was save in order to study, even tho I don't really know what to do with that money now)
+
+I make about 1200 euros/month, I save 600 every month. I have +/- 5k euros at the moment in my pocket.
+
+Thing is, every single month I realize that some extra money wouldn't be bad... At all. I'm quite into cryptocurrencies as a long-term invest, but I'd like to know some profitable invests I could make in short-term + what should I do with my 5k savings in order to make some profit.
+Hi guys,
+
+So I've been weighing the pros and cons of using credit vs debit, and actually makes sense to use someone else's money rather than your own (as you long as you pay everything back and don't get into debt, of course)
+
+In America you can harness the full power of credit in the form of rewards, cashbacks, insurance, airline miles and so on. But I'm yet to find such credit card in Germany, or in Europe altogether.
+
+Your help is much appreciated, thanks for your advise.
+Hello, so let me start. I have some questions about investing.. I Never invested in anything.
+
+So I saved some money (not much like 2000-3000€) that I would like to invest in something. I am looking more for long term investing than short term. I dont want to spend these money on stupid things and would rather invest it in something "safer" for long term. Also I dont want these money to sit in my bank account because they are losing value with inflation. Now my questions:
+
+Keep in mind english is not my first language so there may be few mistakes.
+
+​
+
+1. I have problem selecting investing platform/app. Also lets say that I will have money invested on some big platform like etoro, degiro or any other... What happens when these companies will go suddenly bankrupt? What will happen to my money? Will they be gone? I read something like these companies have separate bank account with clients money but is it really safe anyway? Lets say these companies will go full bankrupt how I will get to my money ? Who will I call to get to my money when their customer support will be gone? This might be noob questions but I really dont know. Also since I am looking to invest for long term (10 years+) can I really be sure that these platforms/apps will be there in the next 10+ years? I mean nobody knows answer to this but I just want to hear your opinion.
+2. As an european is it better to have money in some european platform/app rather than for example american platform/app? For example if european platform/app goes bankrupt I will have bigger chance getting my money back because maybe I will be able to contact some european administrative? Does this even matter or not? I see that lot of EU people invest with Etoro which is based in Israel. What will happen when Etoro will go bankrupt do you contact some kind of Israel administrative to get your money back? Or what about these investing apps based in tax-free countries like Cyprus etc... are they really safe?
+3. Also is it possible to invest (as an european) into american stocks, ETFs. Like S&P 500 ? Or will you be able to buy american stocks like Apple or Amazon or Tesla etc without any problem? Or are you limited as european to only buy european stocks and ETFs ? In some threads I read that as a european you cant buy S&P 500 because it does not have some kind of EU documentation or something. Is this true?
+4. Also I would rather like to DCA than invest all in one time. What platform is best for this? Since I will be investing for example small amount every month I would like to have no fees or very minimal fees.
+5. What other advices can you give me ? I will be glad to hear your opinions.
+
+​
+
+I might edit this thread If I will have new questions..
+I plan to invest at least minimum of €100 per month (converted from another currency) into ETFs, so I'd like to ask you which online broker would you recommend to use in my situation? I don't want to use any broker that doesn't have a desktop version of their service. I'm not super into doing any money related transactions on my phone, let alone investing through my phone.
+
+I was looking around and here on reddit and found these to be the best on the market as of right now, for people from Europe that is:
+
+##- Degiro
+
+This one seems to be suggested the most for its "low fees" and overall experience. I already have an account there, but they offer only limited number of free ETFs. If I wanted to for example invest into IE00BKM4GZ66 (EMIM), I'd have to pay ~~\~€12~~ €2.03 in fees for transaction of 4 stocks worth ~€104. Investing for the whole year would mean that I'd pay more than ~~\~€144~~ ~€24.36 in transaction fees this year alone that could've been invested instead. [Am I doing something wrong or is this really how much you pay? - check the comments for more info, my calculations were off :-)](https://old.reddit.com/r/eupersonalfinance/comments/f8r1su/which_broker_with_desktop_version_would_you/fioqlbh/)
+
+What I also don't like about Degiro is that there isn't an option to invest into fractional shares. That means I pretty much can't invest into any popular Vanguard ETFs, because they are simply too expensive (per 1 share) for me. With fractional investing, this is not an issue.
+
+##- Trading212
+
+This one seems to be suggested in UK subs related to finance and seems to be the best so far what concerns "0" fees and comissions, but this thread talking about how they are making money then is giving me some concerns, especially since I want to do long term investments only:
+
+https://old.reddit.com/r/UKInvesting/comments/f68l25/freetrade_vs_trading_212_fact_check/fi3f0qe/
+
+Also some useful info about foreign exchange fees:
+
+https://old.reddit.com/r/UKInvesting/comments/f68l25/freetrade_vs_trading_212_fact_check/fi3mv3k/
+
+## - TD Ameritrade (added 25.02.2020)
+
+Looks like another good option for ETFs. They are considered "Best overall for beginners" according to stockbrokers:
+
+https://www.stockbrokers.com/guides/beginner-investors
+
+Anyone in here has any experience with this platform?
+
+## This one is not available in EU (yet?), only in US and India:
+
+~~##- Interactive Brokers - IBKR LITE~~
+
+~~IB gets a lot of positive feedback (at least on reddit), but I haven't found any recent reviews or threads about this service. The last threads I found on reddit mentioned that this service is available only to people from US, but that doesn't seem to be true anymore?~~
+
+~~https://www.interactivebrokers.com/en/index.php?f=45196~~
+~~"IBKR Lite is the hassle free way to trade in the US and other eligible countries."~~
+
+~~https://www.interactivebrokers.com/lib/cstools/faq/#/content/faq%3A%2F%2FpageId%3D76129237~~
+
+~~Does any of you in here use IBKR LITE? Would you recommend it?~~
+
+
+Thx in advance, fellow money makers! And good luck with your investments!
+First of all a lot of hidden fees. So my parents bought it for $5k and $150 for renewal fee each year for 10k points. The issue is that many hotels at the minimum require about 20k points on the low estimate. I seen some of them up to 70-100k points. That means I would have to buy it and hold on to it for a few years just to get a hotel. Mostly because of points inflation 10k points might seem like a lot but after every year hotels require more and more points to book them. There is also many hidden fees like $30 a year just to keep onto your points that you already paid for! And also every time you book a hotel it'll cost you a $300 transaction fee. To show you how bad this is I tried to book a week  in Bali. By the time all the fees have added up the it cost $500 to book it  via the RCI website with all the points paid for. It gets worse because that same hotel in Bali charges $50 a night if you book it through them which is $350. You are literally paying more for the hotel by paying it with your RCI points.
+Hi everyone. First time poster so bear with me. I’m in the Army and will be getting $10,000 pretax as a bonus within 45 days. Assuming $7,500 after tax, I’m looking for input as to what to allocate these funds to.
+
+I currently have no savings, I take home ~ $600 a week and owe $7500 in credit card debt. I also have a car that I owe $24k on but it’s at 2.6% so I’m not too worried. No other significant bills.
+
+Thank you!
+I made some poor financial decisions with credit cards in the past and paid it all off 2 years ago. 10k in debt. Now I’ve been throwing any extra money at my car and I’m finally done this weekend! I do have student loans ($17,300), but then I just have smaller things like $1,600 on my current credit card (never been late on a payment, just need to pay it down), then about $600 owed on an EIP for two iPhones, and $800 in medical bills. Since student loans aren’t earning interest currently and I’m in school while working full time, should I wait to start paying on the student loans and knock out the small stuff or should I just do minimum payments on those things for now and take advantage of the lack of interest accruing with my student loans? I need opinions please and thank you! (:
+https://www.vanityfair.com/news/1998/10/gulfstream-199810
+
+Wonder who that was then? 
+
+When people ask me my fatfire target, private jet *ownership* is the first thing that comes to mind. I've been on a few chartered flights and the whole experience is difficult sometimes even with apps like Privatefly. Whereas if you own it, it's yours and yours only presuming you don't lease it.
+
+Personally my own situation is somewhat unique; I am very tall, basketball player tall, and suffer from varicose veins. Being cramped on a flight is difficult, some flights you can't even get business class on so you can't stretch out and even if you can stretch out you can*'t elevate your legs*. For me the price of private flight is worth it for that alone. Then there's not being stuck in a tin can with 400 other people for x hours. 
+
+Anyway I just thought you might be interested in the article, the above is really just filler so the post doesn't get deleted for being somewhat empty.
+
+It's a good article, well written, makes me wonder who the anonymous author is/was.
+Is anyone currently writing covered calls to generate income while fatfired? Instead of withdrawing 3-4% of a portfolio annually to use as income, would it make sense to instead consistently write covered calls on stocks in your portfolio and use the premiums as income. 
+
+Does this scale up to large 7+ fig portfolios aiming to generate significant income ?
+
+Would love some advice on this.
+Well this is completely fucked.
+
+Today is the final Day for T+2 settlement on OPEX the market orders need to be placed either on the lit market or in dark pools as per Rule 204.
+
+If these obligations are not covered then GME will likely be placed onto the RegSHO threshold list in the coming trading day, forcing settlement and dragging obligations out of the OW.
+
+This presents a huge amount of risk to the lenders, they likely will not allow it.
+
+I frankly don't know how this is going to play out for GME.
+
+I think I've narrowed down our best and worse case scenarios.
+
+Bull:
+
+With obligations due today this buying pressure could stabilize GME against the broader market coming down. If these obligations are not covered then GME will likely be placed onto the RegSHO threshold list in the coming trading days.
+
+While this event is obviously very profitable for net short hedge funds, long funds and prime lenders may seek to recall their assets and close out margin obligations in order to generate liquidity in their position.
+
+GME's extreme Vega sensitivity plus Variance swap positions could create a Volga/Vanna squeeze like we saw last January. As market wide volatility rises and funds are priced out of hedging their positions.
+
+TLDR; GameStop has some factors that could cause it to inverse broader market conditions.
+
+Bear:
+
+The SHFs are gonna mark an unbelievable amount of money on this correction. Being short everything is paying off and they will use this massively increased leverage to short GameStop harder than ever before or cover their obligations at much lower prices.
+
+Market halt on a drop of more than 20% could suspend trading for the remainder of the day. These occur at 7-13-20% respectively (15-15-trading day, time limits).
+
+The could be deferrals in play due to market conditions that offset their obligations. These agencies will protect their risk especially with a possible crash before forcing settlement.
+
+GameStop seriously outperforming the market here in the options data from Gamma Girl
+
+[Our Delta neutral is sitting at $104 .98 this has acted as a floor for us a couple times over the last few weeks hopefully it does so again. Gamma Max down to 148.](https://preview.redd.it/y773aq6wdsj81.png?width=909&format=png&auto=webp&s=591ce6263e67a9aa77df8b1a9177c327291e9f6c)
+
+[The SPY is actually falling off a cliff. With almost no downside support after a dip below $400 this could be serious. More interestingly the slow decline in delta neutral indicates institutions were expecting a bounce and actually play the market long. Losses will be significant.](https://preview.redd.it/3nwhpjb7esj81.png?width=909&format=png&auto=webp&s=c25543514ae2c56cd2e2678a1882d4f6a1169907)
+
+**DIX pics**
+
+[Even more DP volume yesterday, increasing asymmetric risk](https://preview.redd.it/35uouteoesj81.png?width=2522&format=png&auto=webp&s=1810166938fe3965ebd1357126f48aaeeef7ef5d)
+
+[Volatility rising](https://preview.redd.it/b5tr7qmzesj81.png?width=2486&format=png&auto=webp&s=0dcbf5c630e271533ce6aacbf3f8e9f1c658bcf9)
+
+[PCR is exceptionally low, meaning GME has very few put options in place currently](https://preview.redd.it/y1a52s83fsj81.png?width=2490&format=png&auto=webp&s=fad1295b1a4430a89ea9dac02007cf206a0e1e94)
+
+[GEX still elevated so hedging should favor a price increase](https://preview.redd.it/pfew1vobfsj81.png?width=2501&format=png&auto=webp&s=e64e08799b4fbce57ca54bd109bf8e07cfa46482)
+
+Food stamps or Lambos...
+
+**You are welcome to check** [my profile](https://www.reddit.com/user/gherkinit) **for links to my previous DD, and YouTube Livestream & Clips**
+
+Historical Resistance/Support:
+
+46, 92, 98, 100, 104.50, 116.5, 125.5, 132.5, 141, 145, 147.5, 150, 152.5, 157 (ATM offering), 158.5, 162.5, 163, 165.5, 172.5, 174, 176.5, 180, 182.5, 184, 187.5, 190, 192.5, 195, 196.5, 197.5, 200, 209, 211.5, 214.5, 218, 225.20 (ATM offering) 227.5, 232.5, 235, 242.5, 250, 255, 262.5, 275, 280, 285, 300, 302.50, 310, 317.50, 325, 332.5, 340, 350, 400, 483, moon base...
+
+# After Market 
+
+Right and wrong I think mostly wrong. I can make claims like $20 up since market open and start shit, but I think it's best to address the elephant in the room and discuss why today was in fact not the expected OPEX price action and the severe risk this presents to the SHF going into tomorrow 
+
+So it's difficult to determine if FINRA Margin deferrals for the the holiday on Monday take precedence over OCC members settlement regulations. 
+
+​
+
+>Based on this rule I think they do and we see our missing volume tomorrow.   
+>  
+>[https://www.finra.org/rules-guidance/notices/information-notice-101521](https://www.finra.org/rules-guidance/notices/information-notice-101521)  
+>  
+>[https://www.finra.org/rules-guidance/notices/13-39](https://www.finra.org/rules-guidance/notices/13-39)
+
+​
+
+I don't have historical evidence for this because president's day last February was the week of the expiration and not the week of the settlement. 
+
+2021 
+
+President's Day 15th-------------> OPEX 19th -------------> Settlement 24th (25th also because of halt)
+
+2022
+
+OPEX 18th ------------> President's Day 21---------------> Settlement 25th ?
+
+I  just can't be certain either way. 
+
+The good news is we moved $20 from our low this morning and an notional hedge of $8.08m per $1 price increase. 
+
+So 8.08m x $20 = $161.6m delta or 1.297m shares of GME
+
+The thing that concerns me the most is we outperformed the market which indicates a degree of covering occurred outside of active fund trading and if OPEX is in fact delayed a day and we run tomorrow this could absolutely be another rug pull setup like November hedging their obligations slight in advance of settlement to make the peak of the cycle more obscure. 
+
+​
+
+[Hitting and closing in this high confidence threshold indicates the we still have further to run. Also the uptick in volume into close is good.](https://preview.redd.it/kdg0d1nbruj81.png?width=2458&format=png&auto=webp&s=76384f3bc8089463e6cb9771ee07bc8e44e403ef)
+
+Thank you and see you tomorrow.
+
+\- gherkinit
+
+​
+
+https://preview.redd.it/o3u9zbrpnuj81.png?width=711&format=png&auto=webp&s=205f45cb9ab214e16571e8100b203fe619fabfad
+
+Edit 5
+
+[Thanks for all the fish](https://preview.redd.it/hm8yma24ttj81.png?width=1404&format=png&auto=webp&s=d4ec3855889603aad7ad4fa859994c9749f627b1)
+
+Edit 4 1:40
+
+Buckle up
+
+https://preview.redd.it/el6lde9vstj81.png?width=1566&format=png&auto=webp&s=cd31b55a392a69eeddb3708413fc2a20fbc3443e
+
+Edit 3 1:10
+
+Moving into the late after-noon now up $13 from open. This is usually the time we start to see DP volume begin to settle.
+
+https://preview.redd.it/hc62xhpnntj81.png?width=1562&format=png&auto=webp&s=6522fea76302f0d4b32e63260c0f2f387c812654
+
+Edit 2 11:18
+
+Green baby! still need to break through 120
+
+https://preview.redd.it/0dwyql9n3tj81.png?width=1565&format=png&auto=webp&s=73a04b924d3fe7ba4cee9d570bf72f3459e01016
+
+Edit 1
+
+Up $10 from market open right now we are moving with the market but I fully expect covering to begin into the afternoon other ETF basket stocks are already running. Bid/Ask is remaining wide due to by pressure and we are looking good to break 114.50 if we can get through 120 the delta hedge flips to favor long side at a 3:1 ratio.
+
+https://preview.redd.it/v3rblf8nvsj81.png?width=1557&format=png&auto=webp&s=e8c0d02f72dedcd2f0afe9f8afe60c535ba810a9
+
+# Pre-Market Analysis
+
+GME down with the broader market, but this could just be illiquidity helping to drive the price down on low volume.
+
+Volume: 90.90k
+
+Max Pain: 120
+
+Shares to Borrow:
+
+IBKR - 100,000 @ 1.8% (200k borrowed already)
+
+Fidelity - 31,495 @ 1.75%
+
+[GME pre-market 1m](https://preview.redd.it/dupsj4hfgsj81.png?width=1564&format=png&auto=webp&s=1fdc373585822d5ff55e38818d45d5e9383ccd97)
+
+TTM Squeeze
+
+https://preview.redd.it/wh0bhojpgsj81.png?width=2451&format=png&auto=webp&s=c25d9e88ebad097ba8dc66c27f156cd251275df3
+
+CV\_VWAP
+
+[Arbitrage is high due to drop in foreign markets](https://preview.redd.it/i2vdby6vgsj81.png?width=2461&format=png&auto=webp&s=1127f9718e02aef7f0e8f9c19f36434e940d5513)
+
+​
+
+**Disclaimer**
+
+*\* Although my profession is day trading, I in no way endorse day-trading of GME not only does it present significant risk, it can delay the squeeze. If you are one of the people that use this information to day trade this stock, I hope you sell at resistance then it turns around and gaps up to $500.* 😁
+
+*\*Options present a great deal of risk to the experienced and inexperienced investors alike, please understand the risk and mechanics of options before considering them as a way to leverage your position.*
+
+\**This is not Financial advice. The ideas and opinions expressed here are for educational and entertainment purposes only.*
+
+*\* No position is worth your life and debt can always be repaid. Please if you need help reach out this community is here for you. Also the NSPL Phone: 800-273-8255 Hours: Available 24 hours. Languages: English, Spanish.*
+I’ve heard of the benefits of an offset account to reduce the interest payable. I’m now on my second mortgage and both times I’ve specifically asked for an Offset account but both lenders (MyState then CBA) have advised that I can’t have the offset but have given me the “redraw” facility instead. 
+
+When I’ve asked the broker I am told there’s no difference but I’m just unsure why the lenders are quick to offer the redraw but hesitant to give out the offset account.
+I have seen a lot of conflicting advice. It seems like most of the newer advice tends to recommend putting as little down as possible since interest rates are low. They recommend investing that money instead. My question is, if I only put down 10% and then invest the rest of that large down payment, I'm now stuck with a much larger car payment every month and thus can't save near as much money each month. My wife will be needing a new vehicle within a few years as well, plus I don't want our monthly retirement savings to take a hit. What is the best play in this situation?
+
+Edit: Ok. I get it. My thinking is flawed. Lol. It is going to be tough to overcome the mindset of "always pay cash if possible" that I was raised with, but you all have made great points and it makes sense to put as little down as possible in current market conditions. I haven't decided if I will put the money in a a HYSA, bonds, or a brokerage yet, but I have decided that I will be financing as much as I can at 0%. Comments are coming in faster than I can read them at this point, but I assure you, I will read them all. Thank you for your help!
+Hi All. Recently started into options. I have grasped the concept of simply buying calls and puts and made my self familiar with delta.   I am not into covered calls or any other option strategy. Going forward, I am deploying a strategy of ONLY buying leap calls which are literally into Jan 2023 for stocks I like and believe in. I am planning on buying deep in the money calls which literally have deltas of >.85 some of the ones I have been looking at are TTCF 5c, AAPL 120c, SBUX 105c, and PLTR 15c. 
+
+1. Is this a good strategy for a fairly guaranteed success? 
+
+2. Are there any caveats to it?
+- Script for the trading strategy https://github.com/alpacahq/alpaca-trade-api-python/blob/master/examples/overnight_hold.py
+- This example will use about 150 different $6–$26 priced stocks.
+- The basic philosophy behind the example script you’ll be creating is that it aims to hold a lot of different stocks overnight and sell them off in the morning.
+- For this example, favor stocks that recently experienced growth, aka, those that have momentum. 
+- In Python code, “Bars” represents an array of bar objects from the Alpaca API. They show historical pricing information for a stock
+- Explanation of the strategy and how you can run it and test it https://medium.com/automation-generation/building-and-backtesting-a-stock-trading-script-in-python-for-beginners-105f8976b473
+So I run a restaurant and I keep Bloomberg and msnbc on all day because I enjoy watching the lies. On cramers show, just now, he said "I want you to make money, not lose money. All I can say is, go buy a video game, go to the movies. You can Hate me all you want but there's still time to get on the right side of this trade."
+
+Ladies and gentle apes, I'm not giving anyone advice here, but I'm buying more. I'm buying as much as I possible can. The cramer is extra salty today and can't stop taking jabs at us. I smell desperation and I love it.
+**TL;DR:** Never get a credit report from a website other than annualcreditreport.com. There's no need to give anyone a credit report to schedule a tour of an apartment or house (Edit: unless you're in the fucking ludicrous SF Bay Area or apparently Germany). A rental agreement is not an "opportunity" someone gives you. Any URL that redirects to several different websites should raise all sorts of red flags. You should probably not "CLICK HERE" unless you've got things like Adblock and Ghostery installed.
+
+----
+
+I'm posting this as a sort of PSA. I think this Craigslist scam might be especially effective on the elderly and those first starting out.
+
+I contacted someone about a rental home on Craigslist that looked surprisingly affordable for my area but still not that unusual and seemingly aboveboard with pictures and everything. 
+
+This is the reply I received (biggest red flags are in bold):
+
+> Thank you for your interest in the property listed for rent. You were the second to reach out from the ad. The first prospective renter no longer had to move because of his home situation. **So we give the opportunity to you.** We just completed all new renovations and are now ready to rent with flexible terms. We will work together with you on move in date, lease security deposit and length. 
+
+> **I know you desire the precise address of the property but my husband does not want me disclose due to security reasons.** We have had a string of break-ins, squatters and thefts at our other properties. We want to avoid that with this property because of the renovations that have cost a lot of money. You will be the first to move in with the renovations. That is why **we want to confirm you have your updated report before we schedule a tour**. 
+
+> All utilities are priced into the lease along with garage parking spaces. The appliances in the kitchen and laundry room were just installed. You have the option to pick your paint color and flooring prior to your arrival.
+
+> **When you're ready to schedule an appointment to see the place, then please go to the link below to get your report. We recommend this site because all of our tenants used it and haven't had any problems. Just fill out the form and indicate that you want the report. We aren't interested in specifics of your report, it's more of a formality to ensure you have rental history. Simply get your report by CLICKING HERE** 
+
+> Remember, print out the report and bring it to the tour. Please let me know when you grab your report. I can then schedule you for a showing of the place.
+
+I was surprised by the quality of the writing, but not so surprised to see "CLICKING HERE" pointed to an extremely suspicious URL that ran through several redirects before landing on a "credit check" website that exists purely to steal your information and charge you a monthly fee for future credit reports. There's no reason why anyone would require a credit report from you to schedule a tour of a rental house or apartment, though your credit history may be checked during your leasing process.
+
+This scam had an added layer to it, in that the replying email address was different from the Yahoo one I contacted. It used a custom domain. Running some Whois searches, I found that these scammers have stolen a few people's identities and use them for a lot of their domain registrations, including a scam rental search site, a bunch of "privacy software" sites, and some "SEO services." 
+
+Stay skeptical, folks.
+Does you broker allow you to short ACB, people? If yes, what borrow rate do they charge you on your short? And which broker is that?
+
+EDIT: guys corrected me. ACB closed 9.20 yday. Now 14.70, so now +59% ! short squeeze?
+
+EDIT#2: +67% now at 15.40
+
+EDIT#3: ACB +75% now at 15.95
+
+EDIT#4: ACB closed 15.35 or +66.85% from prev day
+I'm watching some new ETF's like: SPYX, and seeing a "short attack", isn't that a dumb idea? Doesn't that just set up a buying opportunity?
+
+Because they're not affecting the underlying stocks, they're just mis-pricing this one ETF?
+
+What am I missing?
+
+
+Many, if not most people see technical analysis akin to astrology. And that's fine, but with perspective, I do believe TA can be used to help us identify what is *more likely* to happen in the future.
+
+Unfortunately, the news is not good. I want to see massive gains as much as anybody, but I can not deny the obvious signs that another big dump could be on the way very soon.
+
+Here are some of the examples:
+
+The daily timeframe has been stuck in this descending triangle of resistance and support since May. Every day, the range has got tighter and tighter. We have bounced off the line of resistance seven times, and each time been rejected.  A descending triangle is *more likely* to result in a break to the downside.
+
+[Daily Descending Triangle](https://preview.redd.it/6vvmq3lybiu91.png?width=1492&format=png&auto=webp&s=30a6c6c6c792133ececd023f413613526ef6c1de)
+
+Even on the 2H chart, zoomed in, you can see the constant rejections of the past 24 hours off the resistance line.
+
+[2H Descending Triangle](https://preview.redd.it/75brjczeciu91.png?width=1491&format=png&auto=webp&s=f78ee60f1d2566f15740798a278bbbe8c6aa9c41)
+
+​
+
+If you compare the descending triangle some historic data, you can see the descending triangle forced the price tighter and tighter into the range. Eventually, after several weeks, this resulted in another move down.
+
+[2018 vs 2022 Weekly descending triangle.](https://preview.redd.it/p0xtzl8qciu91.png?width=2520&format=png&auto=webp&s=4d8deddb268436dcb064a6ffb540372867464321)
+
+​
+
+As I said, I of course do not want see us drop further.  This past year has been brutal. Is buying or selling now a risk? Yes. Could we break to the upside? Yes. Do I know anything? LOL, No.
+
+But I am preparing just in case.  Are you in a headspace that is ready to see a big drop very soon?
+
+​
+
+EDIT: Jesus. 7 downvotes and an award in the first ten minutes. WTF?  This sub is so weird... 
+I’ve been striving for almost a year now to achieve something, and finally I was able to stack 0.1BTC. I know it’s still small and I still have to grind more to reach 1BTC, but I feel so giddy realizing that I have this. I want to continue doing this so that I can buy a house and hopefully become financially stable as soon as I could.
+
+It’s still a long way to go, but seeing the decimal place move as I keep on stacking makes me feel excited and motivated at the same time. Sometimes it really pays to be frugal.
+https://www.cnbc.com/2017/11/16/homeownership-doesnt-build-wealth-study-finds.html
+
+I don't find this controversial or surprising, but I figured I'd share it because this seems to come up for discussion quite often
+Hey all, 23F planning on moving out soon after years of emotional abuse. Parents don't know about the plan but it will be done on the downlow.
+
+
+Now issue is I haven't been independent or experienced it at all since I've been with my parents and wasn't allowed to move out for university.
+
+I think I finally have financial independence but want a clear neutral look on whether I can manage or if I'm going to be making a mistake and am better off saving a little longer.
+
+I have a good paying stable job and received a promotion recently so will be earning £2100 after tax soon (currently receiving £1600). I usually give my parents £500 that they ask for rent and I have been putting a side around £800-900 for savings.
+
+Currently
+Savings:12k
+Salary: £2.1k
+Outgoing: £500 rent to parents, £5 Spotify, £20 phone bill, £7? Netflix. And rest on entertainment/going out with friends
+
+I would like to note I don't drive but am learning to drive atm so I haven't actually included the cost of insurance etc.
+
+I want to move out because I can't do this anymore from a mental health perspective. I still want to be able to give some money to my parents (if they even accept it when I leave) but also be able to save and not be living paycheck to paycheck. Is it possible in the UK with my current financial standings.
+
+Thanks!
+ I see some blockchains make partnerships with governments and all regarding CBDC. For example, Bank of Korea [partnered with GroundX](https://www.coindesk.com/markets/2021/07/20/bank-of-korea-chooses-ground-x-as-supplier-for-cbdc-pilot-report/) blockchain, the KSI blockchain has an[ agreement ](https://www.coindesk.com/policy/2020/10/05/estonias-central-bank-to-research-if-blockchain-can-support-a-digital-euro/)with Estonia, [Ukraine government](https://crypto.news/ukraine-government-stellar-xlm-cbdc-project/) partners with Stellar for CBDC, Philippines partnered with Everscale and I guess there are few others (still researching). It’s obvious that the money accumulating there is huge which means the projects can be trustworthy. Considering this I thought it might be a good idea to invest in such projects. But my conclusions can be wrong, that is why I’m here.
+
+I do not want to know whether CBDC are good or evil, we all have lots of opinions on this. it’s clear there will def exist. I’m looking at it as an investor so wanna hear the opinions on it.
+Everyone's always talking about SEC and Obama and Trump and Biden and this bill or that bill and blah blah. But does it really matter that much what America does with crypto? Like.. Other countries are adopting crypto as currency, if China, Russia, UK, France, Germany, Canada all adopted some crypto as it's currency and USA bans crypto..... Is it that big of a deal for crypto? I just don't see how it matters in the crypto space if any type of regulation anywhere in the world presses itself on to it. Isn't one of the whole points with crypto is to not be controlled by any one entity?
+I am in my mid 40's with kiddos at home. My last job in the financial sector was absolutely sucking up my energy and slowly destroying my mental health over the course of 10+ years.
+
+I was borderline ready to FIRE during the pandemic as you all have known, the stock market performed incredibly well while we all had a taste of WFH full time.  My "One-More-Year" syndrome definitely kicked in.
+
+My family's bloodline is rampaged with cancer for three generations. Unfortunately, I didn't escape the fate and fell ill as well. Good news is that my condition is completely treatable.
+
+Coupled with my mental health state, I took a paid 3-months Medical leave 13 months ago to focus on treatments.
+
+My folio has dropped 18% since the downturn and it did impact my FIRE number. Therefore, I was fully anticipating going back to work after maybe 3 months off. But that didn't happen. 3 months off turned into 6, then 8, 10 and a full year. When I was given ultimatum from my employer at month 12(my employer is incredible generous and I am forever grateful), I listened to my inner voice and gave my notice.
+
+I am sitting here typing my first post-FIRE post as a free person  to summarize something I learned from the past 13 months.
+
+Some numbers here:
+
+Firecalc score :35 year 94%  success rate, but 45-year only has 85% success rate. I am 45.
+
+1. There are more important things in life than a 100% FIRE number. I know as of now with the stock market's not-so-impressive return, I am a bit short from my 100% number. But I am taking a leap of faith and pulled trigger anyway. As a free person, I am able to spend more time with my parent who is also struggling with cancer. I can spend valuable time with the kids while they are still young.
+2. The stress from a job is real. After I was completely off work and started taking care of my sleep, nutrition, workouts and my treatments, my once-massively grey thin hair changed and now I have much healthier thicker hair. I am healing much better than anticipated.
+3. Going back to "Hey, you haven't hit your number 100% yet" debate. We can't predict the future. My number is OK if I live till maybe 80, but my number might fell short if I live longer than that.  But one thing I do know, my present is what matters. Knowing I will be OK financially in the next 30-35  years is enough of an assurance. What if I drop dead at age 70 and I waited in my 40's cuz maybe, just maybe I might live past 85 is not a good enough reason for me to sacrifice "present time". NOW is what I need to heal, to help my parent to heal , to help my kids to grow.
+
+35 years is a long road ahead and so many things could change. There are literally endless possibilities in a human's 35 years of living. I just don't think my future should be defined by one formular. As long as I am fluid while dealing with the future's unknown, I have faith that things will work out.
+
+There are a few things I did while I didn't have W2 income to prepare for a possible FIRE (meaning, my tax rate will be low):
+
+1. I started Roth ladder by converting a chunk of my 401K into 401K Roth each year (2021 is my first year). I use Fidelity and they are great with this type of conversion. Note that conversion is taxed as ordinary income. The long term cap gain is only taxed at 15% if your income is more than $80,800 for married, $54100 for HH and $40400 for single filer. The Roth conversion within my 401k is ordinary income so by keeping it low enough, I can sell my stocks in my taxable account without paying cap gain tax. The money from my taxable account will fund the following years until 2026 when I can withdraw the principle I converted in 2021. 
+2. My W2 income was too high to invest in Roth IRA in the past. Now I make sure I invest full amount each year in Roth IRA. I still had W2 income in 2021. In 2022, my W2 is zero but I have a little income from Schedule 1. 
+3. I battled with the disability insurance company to gain some benefits beyond the first three months. The medical records needed for approval were massively confusing. Insurance companies are designed to not pay anything even though my employer purchased disability insurance for all employees. It took a lot of persistence and patience to finally receive approval and it was worth the struggle. So if you are off work due to medical reasons, you should explore this route.
+
+I took on a couple of  endeavors I've always wanted to do during my time off:
+
+1. Completed 2/3 of my YA Sci-Fi novel with 400,000 words so far. Another 150k-200k to go and I will self publish. As a "number" person all my life, testing my creative writing ability has been exceptionally rewarding mentally. And I believed it contributed to my mental health recovery.
+2. I traveled extensively and finally earned United 1K. Having 1K and traveling to Europe means that the chances to be upgraded to Polaris are quite high. I was upgraded on 3/4 trans-Atlantic flights and 2/2 trans pacific flights. I am about to take another trans pacific flight later this year and it looks very promising to be upgraded.
+
+May the new stress-free life brings peace, health and prosperity for everyone who is already there and those who are marching towards it.
+What happened to the guy who was writing weekly puts on NFLX at strikes circa 325-350?  He posted about his strategy like two months ago. People gave him a fair amount of crap in here (well, just pointing out that the risk/reward might not have been fully considered).  Hopefully he stopped doing that, but if not, we need to well-check him.
+Ok I can't seem to find an answer to this question. What happens to all the call options that are going to expire in the money. All of the shares need to be bought and exceed the float of stock at this moment in time. How are they gonna get bought? What is the logical outcome here?
+Hey Theta Gang, Could we get a discussion going on how we could make this forum a better resource for our cause? Maybe make a good infographic illustrating the wheel and maybe discuss sticky threads which would be helpful. Maybe a thread discussing low-mid-high level stocks that work on the wheel system. Maybe another thread to discuss other tools that theta gang has at their disposal? I just started trading options and was using the wheel without realizing it. Now that I know there are a bunch of like minded people, maybe we can make research easier... many hands make light work and all that.  Thoughts?
+Got modded twice. Finally the daily limit is over.
+
+FatMan has been doing a great job catching Do Kwon's shady business after LUNA crash recently he caught the wallet which got 20M LUNA Airdrop belongs to Do Kwon. After LUNA 2.0 launch Do Kwon called it complete "Community-Owned chain" while he was voting on his own proposals with 5% Voting Power.
+
+​
+
+https://preview.redd.it/93ogmqu58e591.jpg?width=1000&format=pjpg&auto=webp&s=5625a403e01eb4b663ec219f2a537cd8ce991a41
+
+This is the proposal which was submitted by Do Kwon.
+
+​
+
+[https://classic-agora.terra.money/t/columbus-5-mainnet-upgrade-proposal-and-recommendations/1840](https://classic-agora.terra.money/t/columbus-5-mainnet-upgrade-proposal-and-recommendations/1840)
+
+Corresponding on-chain proposal authored by Do Kwon (submitted from the mystery wallet): [https://finder.terra.money/classic/tx/1D1B0F534EDD8B1F8F75FF005DE02C63226AC635F782E6E44FA1148125D375BE](https://finder.terra.money/classic/tx/1D1B0F534EDD8B1F8F75FF005DE02C63226AC635F782E6E44FA1148125D375BE)  
+
+
+​
+
+https://preview.redd.it/3d6u0yd68e591.jpg?width=680&format=pjpg&auto=webp&s=d37824c08e97878c3cdff28285dabe364c508e98
+I bought a house in may of last year and it basically wiped all my savings. Now with bills being super high, I don’t have enough money *yet* in my bank account to pay my next bill that is due. If I took like $1500 from my 401k that would give me a nice cushion and I would have to worry about running out of money.
+
+EDIT: thank you all for the responses, I found an alternative way to get by and learned my lesson. I’m going to re-evaluate my budget and make the necessary changes going forward. And as Mike Tomlin says, such is life, the standard is the standard, and don’t blink.
+Forget the damn beer flu, this retarded sub is FAR more infectious and dangerous. I was just a normal fucking 26yr old guy who works a factory job and throws 2% into my 401k and 50 bucks a week into savings. Then I found this sub and now ive spent the last 2 weeks reading up on options trading and strangle strategy and shit.  That's right I've spent my down time reading dry ass information about stock market options. I like fucking actually just woke up from a dream where the market opened green and skyrocketed monday. I'm so sick in the head I grab my phone and check robinhood for no reason. Because of you assholes I grind my teeth everyday just trying to fight the urge to set all my cash on fire with YOLO calls on a fucking space taxi company. Yall are sick and need to be stopped, this is no way to live.
+As you can read in the title, I want to invest to secure my future living.
+I have a few Euros on my bank account (nothing huge) and I am also getting a job soon (besides University (I also live in Germany so I wont get any student debt )).
+I just started watching youtube videos and reading books about stocks and investment in generall.
+Now my question is, is investing in stocks a good Idea for me or should I invest into something else? 
+Would love to read your thoughts :)
+
+P.s. If anything is unclear feel free to ask me about it 
+
+So based on my idea yesterday someone was liquidated. Or at least their positions were moved around and sold.
+
+https://www.reddit.com/r/Superstonk/comments/r52pn1/what_if_a_liquidation_did_happened_today/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
+
+Today on Fidelity we saw a massive increase of shorts available. 13 million shorts on one brokerage is absolutely insane for a float of about 45-50 million (this is factoring in DRS). This is especially true if we have DRS’ed more shares then we think.
+
+Also this morning the 113% short float disappeared. It decreased down to 10% with no explanation. The obvious link here is that those naked shorts were absorbed by somebody larger and turned into synthetics. This would erase that legal short float and hide it.
+
+This is also the only feasible way that this QUANTITY of shares are available to short. Given that Fidelity is just one broker I can guess that their are at minimum 25 million shares out there ready to be shorted. Now how is that even possible given that the float has been reported as 45-50 million lately? The answer is that we are no longer dealing with just one float.
+
+The shares available to short all of the sudden are evidence that these positions were “closed”. But there was zero volume and it all happened off exchange. My thought process is that one of the only ways to move this quantity of shorts around off exchange would be during a liquidation/ acquisition
+
+[edit] Don’t get me wrong here. This isn’t disheartening. This is good news for us. If this true then a hedge fund just ate a huge bag to keep on going just a little longer. The fact that a hedge fund did get called means that there is still some upper limit as to were they can leverage themselves. I think that marge is knocking every day and that’s why it took a bit to find someone to take these shorts. You don’t take on massive debts if you aren’t just trying to survive
+
+These people only understand money and accepting this was more profitable then allowing these shorts to be covered by the prime broker who margin called
+
+[edit 2] This is also one of the only explanations as to how Fidelity got 20% of the float overnight to short. Volume is at an all time low and yet they have a MASSIVE position held up. This is insane and the reason why GME is dropping today. Just buy and hold
+
+[edit 3] That 13 million shares may be the real number of synthetic shares available to short. Cracks may be forming
+
+[Final Edit] The statement by Fidelity makes SOOO much sense. Those shares had to be recorded as returned but they are all synthetic. It was a momentary gap in coverage. They are getting slower with their ability to cycle FTDs. Fidelity waiter to make a statement until after these hedge funds took them back off of the books, honestly probably a market maker. I wouldn’t be surprised if Citadel Securities was responsible for this fuckery.
+
+It’s not even Fidelity’s fault* (they know crime is happening) they just reported what Citadel told them
+Well, 2020 is almost a wrap - one of the craziest years ever for investing.
+
+How are your returns looking for the year?
+
+Roughly one more month of trades before year end.
+
+[View Poll](https://www.reddit.com/poll/jvyamq)
+I'm planning to travel to Europe when COVID conditions improve. Would you recommend the Four Seasons or Ritz Carlton hotels in that part of the world? Thank you!
+
+Edit: All right, you guys helped me decide. Four Seasons it is! Thank you so much!!!
+Edit: Started in 2017.  2018 was just the ugly.
+
+So I’m lolling at all the people who have commented that I’ve “flinched” because of how I’ve been trashing Elon (which I did on the way up too) and how I should have “covered myself better.”
+
+Lol.  I’m up 450% still lifetime in crypto, and that’s with BTC at 42k.  That’s after buying ethereum at the tippy top last cycle and watching it drop to $90.  
+
+Listen, it’s hot garbage that a couple of billionaires can cause a panic with some dumb, uniformed comments.  But that’s the world we live in.  Zoom out to any of the strong, project driven coins lifetime, and you’ll see a chart that looks damn good.  If the bull is over (doubt) then this just means it’s time to buy MORE.  If it’s not, then this has been a strong consolidation phase.
+
+Crypto isn’t a get rich quick scheme.  It’s a get rich slow plan.  If I can survive a 93% loss in ETH and be up 200% now, then so can you.
+This is absolutely the best example of why the world needs cryptocurrency. Rich assholes squeezing every penny out of everyone they can and when the shoe is on the other foot and a small chunk of their huge fortunes are taken, they complain and get taken care of. 
+
+Where is all these rules when the big guy is f***ing the little guy. 
+
+This is exactly why we need cryptocurrency so be ready for it. Be ready to explain to your friends how it works. It's coming and it can not be stopped
+We’re considering a beachfront vacation home, somewhere warmer than SF Bay (top candidates: Manhattan Beach, Del Mar, or near the Diamond Head on Oahu). Normally, I’d be in the rent rather than own mindset but supply of rentals meeting our requirements is extremely low. 
+
+One unknown is the potential effects of beach erosion, which has been written about for Hawaii and CA (e.g. https://www.latimes.com/projects/la-me-sea-level-rise-california-coast/ and https://www.cbsnews.com/news/hawaii-beaches-sea-level-rise-40-percent-2050/). 
+
+Real estate agents are quick to downplay these articles, but I’m not so sure.
+
+Anyone with a beachfront home, what has your experience been and do you have a strategy for hedging against sea level rise?
+Y'all read Atobitt's DD? 
+Good. 
+No, Dont skip to TA;DR. Go read it completely!
+
+And then realize that this - our shares - are now about something bigger than tendies and bananas! 
+
+Its the one fight of our lives, we can't walk out of. 
+
+Most of us were probably too young or unaware of the system in 2008. This time, we are right in the eye of the storm, and like it or not, our shares are the only thing that might make a dent in this fucking catastrophe about to blow up the world economy, Again. 
+
+So Apes, Keep aside the calculators, please for a second stop counting the tendies that are due, and get ready to use those diamond hands. Because those shares are all we got. 
+
+Hold like you have never held your dicks and credit cards before. Hold and don't let go! For your parents, for your children, for your partners, for your communities, for each other. This is bigger than all of us now.
+
+We aren't just apes anymore, we are in the big leagues, and we are all Silverbacks now. DFV, RC, AA, EM, they all did/doing what they could. Now it's down to you and me. WE HODL. 
+
+Don't leave your fellow apes hanging. Step Up. 
+
+NO CEILINGS, NO LOW FLOORS, No FUDs. Tune out the doubt. Look at the low volumes and realise, there are probably not alot of paper hands amongst us. We are all Hodling. 
+
+Once this thing rockets, our resolves will get tested. 
+And try to remind yourself why you are doing this. This will be our only chance!
+
+The system hasn't fixed itself after systemic failures for decades, because the punitive fines never truly hurt them. They must be punished, and the only way to break this violent, callous, indiscriminate systemic wheel, is to go after the only thing they value more than all our collective lives: their assets, net worth and liquidity, that they no longer have. 
+
+I am NOT Giving In. I hope at least some of you, individually, will be there with me.
+
+This is not financial advice. It is a moral duty that I feel I have, when I live in a land that embraced free and fair markets. 
+
+We will get to the moon. But Lets also make sure, we leave this world a little better than before. 
+
+Edit 1 - u/Atobitt DD: https://www.reddit.com/r/Superstonk/comments/mvk5dv/a_house_of_cards_part_1/?utm_medium=android_app&utm_source=share
+
+Edit 2 - Thank you for all the awards. I have never really received many before this. I really love the support of everyone here. It was getting a bit harder to breathe, but here I am, reporting for duty again. Thanks apes! you guys are awesome!
+
+📈📈📈📈📈📈📈📈🦧🦧🦧🦧🦧🦧🦧🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🌛🌛🌛🌛🌛🌛🌛🌛🌛🌛🌛💎💎💎💎💎💎💎💎💎💎💎💎💎💎💎🤲🤲🤲🤲🤲🤲🤲🤲🤲🤲🤲🤲🤲🤲🤲
+I been studying for about a year now and i'm not at the point where I feel like I can make money in the market. I just came to the realization that I wont learn how to become consistently profitable watching only Youtube videos and reading books.
+
+Im not saying those are useless, but to me it will only take me so far, and I feel i'm at that point at least with the Youtube videos for sure.
+I know I've said it before but, ASO still seems to be way undervalued when comparing the companies stores to its peers in sporting category but also in retail as a whole. I've done several analysis on this but this one seems to be indisputable. They have the most profitable and efficient retail concept I can find but its P/E ratio is one of the lowest, as if there's no growth story there... however they are only in 16 states and almost half their stores are in Texas. So much more room to roll out their concepts. Their intrinsic value and book to market value seem to be undervalued as well.
+
+Check out the quick graph I made to compare ASO against its competitors in the Sports/Outdoor retail category and other retailers. Based on this ASO at a minimum deserves the premium multiplier as the best sports/outdoor retailers in the market, which at a 12 p/e would bring them to $67/share or 65% upside. And Burlington Coat Factory should be SHORTED to shit.
+
+\*\* I have a graph but pics aren't allowed in here\*\* You can check my post history to find the graph\*\*
+
+Essentially it shows that ASO brings in a net income of $50/sqft from their stores and the next most efficient retailer is BootBarn at $30/sqft but their P/E ratio is 4x ASO's and Academy's capital requirements is about average. They are 2x as efficient as DKS on a sqft basis have much more room to grow however their multiple is cut in half.
+I’m most interested in hearing about Apple and Amazon but feel free to discuss anything. Dollar cost averaging would definitely be a good way to go, but if it hits a certain price it’d make sense to load up as much as you can
+https://www.reddit.com/r/stocks/comments/ucej7q/what_percentage_of_your_net_worth_have_you_lost/
+
+"I don’t wanna look but I know my ass is getting wrecked."
+
+"I brought Netflix at 600..so....FML"
+
+"Roughly 35% mostly tech"
+
+---
+
+This is exactly what subs like this are built to avoid.  Tide has just started going out too.
+I made a mistake and bought into an overvalued business, the rosy growth projections reported by the business weren't met and the stock price took a beating. However, this isn't a completely lousy business in the sense of the classic Buffett cigar butt companies. The stock price is very volatile and in the spirit of maintaining a very lean and concentrated portfolio, I've decided to get out of this business entirely. 
+
+I was wondering if any of you have tried DCAing down to a reasonable value so that you can take advantage of periodic volatility to sell out of a business without running yourself a huge loss? 
+
+I know this deviates from the classic value investing principles of making fundamental driven decisions instead of price action driven decisions, but I have liquidity to get down to -10% loss and then sell out on a good day instead of just settling for a pretty heavy loss so was just wondering what other people think about it. 
+
+Thanks!
+Hello everyone 
+
+This will be my first time posting in this sub. I hope to add to discussions and be a positive influence to this group in the future. 
+
+I was hoping for suggestions, as stated in the title, on how to transition from a lot mistakes to my value investing strategy. 
+
+In May of last year I began investing along with a few close friends. They were in months before me so I took their lead. It was a mistake and I find myself holding many positions I don’t want and I’d never buy today.  Ever since I have been educated myself (reading books, listening to podcasts and researching different companies).  I am much more confident than I have ever been and the stocks I have purchased after researching and instilling a value approach has served me well so far. 
+
+My question is, has anyone else found themselves in a similar position?  I currently own too many stocks because of my shift in approach. What would be the best way to transition to my value style as I currently have many holdings that I’m down a fair amount on and have some trouble selling for a loss. 
+
+Do I sell these off slowly?  Cut ties all at once. I’ve been selling covered calls on all of these to help lower my average. Because of my mistakes I’m at 33 holdings and I’d like to trim down to 20. 
+
+Any guidance is appreciated.
+Hello all - this is a genuine question...but I am expecting downvotes.
+
+From Investopedia - Value investing is an investment strategy that involves picking stocks that appear to be trading for less than their intrinsic or book value. Value investors actively ferret out stocks they think the stock market is underestimating. They believe the market overreacts to good and bad news, resulting in stock price movements that do not correspond to a company's long-term fundamentals. The overreaction offers an opportunity to profit by buying stocks at discounted prices—on sale. 
+
+So as an example, Halloween candy goes on sale right after Halloween.  So before Halloween the candy is trading at $4, but I believe it's really only worth $2.  So if all I care about is buying candy at a discount, I would wait for the price to drop after Halloween.  Doesn't that mean I am timing the market?
+
+You may come up with an intrinsic value through fundamental analysis which drives your decision of whether to purchase a stock, but you still need to wait/time the market until that stock price reaches what you believe is a good trade.  
+
+If you really like a company to the point where you will buy it at any price and hold for 10+ years (so not taking time or price into account at all), wouldn't this by definition not be value investing?
+Nike :
+
+Mkt. cap = $217 Billion
+
+Revenue = $37.4 Billion (2019)
+
+
+
+Under armour :
+
+Mkt. cap = $10 Billion
+
+Revenue = $5.3 Billion (2019)
+
+
+
+
+Can someone explain this?
+Cheers guys.
+
+Edit : For all the people getting frustrated, I’m still learning. I hope this is a place where stupid questions are welcomed and well answered to allow my knowledge to develop.
+Long time lurker here, first time poster. First, I want to start off by saying I am extremely fortunate to be in the situation I am already in. I have worked very hard to get here, but there is always an element of luck in success.     
+   
+**Professional Background**   
+I am a personal injury attorney in Los Angeles. I have been practicing almost ten years and have had my own firm for about five now. My annual net income progression since I've gone solo has been 300K -> 600K -> 800K -> 1.2 Mil -> almost 1 mil so far year to date (Jan - April 1, 2018). One aside is that personal injury is the type of practice area where quality of cases really matters in terms of value. One brain damage case with a commercial policy behind it could be worth more than 200 minor impact rear end cases. That means although my caseload has been growing every year, and although my income has gone up every year, it wouldn't be unreasonable to believe I could have a year where I net as little as 200k or one where I make as much as 5 mil.   
+   
+One of the reasons I am so profitable is that I have very low overhead. I currently have two full-time paralegals and one part-time paralegal and my monthly business expenses are about $15,000. I do no paid marketing/advertising and I share office space with a friend who let's me use it for free as long as I bring him in on some good cases every now and then (for example I brought him in on a case we settled for 500k last year). My only real expenses are payroll for my staff, malpractice/work comp insurance, postage/office supplies, gas/car lease, and internet/phone. 
+   
+   
+My wife (who I've been with 15 years) is an in-house attorney at a fairly large company. She makes 120K a year + 15% bonus. She gets good benefits including health insurance for our family, 5 weeks of vacation, and she can work from home 3 days a week. It's a good COL job, especially since we have a 9 month old baby.
+   
+   
+**Monthly Expenses**   
+Our monthly expenses would probably be considered very low based on our income (we pay our cell phones, cable, one of our cars, car insurance, and most gas through the business). I am also very fortunate that I married well. My wife works, is not a big spender and rarely shops. Even when she does she is frugal. She doesn't buy luxury items and is just as happy shopping at Target as anywhere else. 
+   
+   
+Our hobbies for the most part are also cheap. I like shooting at the range, video games, hitting the gym, Brazilian jujitsu, movies, and reading. My wife's hobbies are fairly similar. We spend almost all of our free time together and just enjoy hanging out at the house gaming or watching Netflix. We have a very large group of friends, and most of what we do with them is go to movies, have game nights, drink and hit the hot tub at our house, and do potlucks. So we really aren't spending much at all. 
+   
+   
+The only expensive vices we have are travel and eating. We usually do one or two meals a month that are a couple hundred dollars, and we take at least one international trip a year. But even when we travel we usually spend less than 6k on a trip (we fly coach, we stay at nice but moderate hotels, and we like doing most of the leg work of planning our own trips). We spend the exact same making over a million as we did making 300k. 
+   
+   
+Here are the big ticket items in our monthly budget (we probably spend about $8,000 a month):   
+* Property tax/insurance/HOA fees - $2,000/month (we bought our house for 1.1 million and paid it off last March)  
+* Daycare/food/diapers/toys - $3,000/month  
+* Food/Entertainment - $1,000/month  
+* BMW 3 series lease - $390/month  
+* Utilities - $500-700/month (we have a fairly large house and pool)  
+* Son's 529 Account - $750/month  
+   
+   
+**Assets**   
+* Paid off House - $1,400,000 (it's gone up since we purchased it)  
+* House Rented to MIL - $300,000 (we bought the house for 575k and it's worth about 675k now. We put 200K down and let our MIL live there as long as she covers the mortgage. In exchange she babysits for us as much as we need and she is building equity in the house for us. Downside is we don't get cash flow).   
+* My SEP IRA - $300,000 (50% in cash/50% vanguard target retirement fund)  
+* My old Roth IRA - $80,000 (fully invested in a vanguard target retirement fund)  
+* Wife's company 401K - $130,000 (fully invested in a fidelity target retirement fund)  
+* Cash - $190,000 (but I have about 950K sitting in my business account right now in pre-tax dollars)  
+   
+   
+**GOAL**   
+As much as I know I am fortunate to be in my financial position, my family and free time is the most important to me. I realize that I could probably sell my house and move to a low COL area and retire now. But that is not really what I want. I live 15 houses from the house I grew up in (which is important to me) and decades of family/friends live within a couple miles of me. I also want to have enough money to put my kids (we plan on having a second) through college without them having to take out loans. 
+   
+   
+Right now I am accumulating cash at a crazy fast pace. I decided that I will do this for another 5 years and then find another lawyer to run the business while I take a semi-retirement. Maybe I'll do 20/hours a week rainmaking and doing administrative stuff. The reason I say 5 years is because that's when my kids will be old enough to start really traveling and doing a greater variety of things (sports, video games, movies, etc). Don't get me wrong, I spend almost all my free time with my wife and son right now, but I work 60 hours a week doing what I'm doing and I would like to spend more time with them. 
+   
+   
+Right now the real estate market is insanely high, the stock market is insanely high, and I am sitting on a significant amount of cash (and it is likely that will continue to grow). My goal is to have enough passive income by 38 that I can support my family, put my kids through college, and not have to work if I choose not to. My wife likes her job and would most likely continue to work. 
+   
+   
+I'm really not sure what to do with all my good fortune. I don't want to shove it in to real estate or stocks because I feel like a crash is imminent, and I don't want to sit on that much cash because inflation will just continue to eat at it. The only money I am constantly investing right now is the 54K I put in to my SEP every year (split into 24 bimonthly contributions), and the 18K my wife puts into her 401K every year (split into 24 bimonthly contributions). Everything else is just kept in cash.
+   
+   
+I am grateful for any helpful advice you will bestow on me.
+
+
+This article got me thinking if this approach to charitable giving is popular.
+
+https://www.theguardian.com/money/2019/nov/09/i-give-away-half-to-three-quarters-of-my-income-every-year
+
+I tend to stick to giving one off or by direct debit to causes that resonate with me but this approach of researching what can have the most impact with your donation seems really sensible. I usually look into how much of their income actually goes on the service/cause but never really think about how impactful the intervention is. Givewell mentioned in the article seems like a really good place to start.
+
+Has anyone else taken a similar approach in setting a % of their budget to donate to charity? I'm not expecting everyone to be in a situation to do this, but if you are, I'm keen to know if there is a common %? If you are doing this, I'd also be interested to know what started you off? 
+
+Obviously people have strong views about charities but hopefully we can keep this positive!
+The more DDs I’m reading, more stories hearing from 2008 I get more angry. I don’t care about tendies anymore.
+
+Im from Europe, so I’m doing best what I can do to support this. In other words buying and holding as much as I can. But you fellow US-Apes need to bring that to attention. No one listended to Dr. burry back than, but now we are thousands of Dr. burrys. Let us be heard. 
+
+Floor is Jail. No less.
+
+
+Unlike 2008 this time people need to go to jail. No exceptions
+
+
+Edit:
+
+Tl;dr from u/merrythough
+
+Naked short selling? You go to jail. Synthetic shares? Jail. Bankrupting Main Street? Believe it or not, also jail.
+
+
+Edit3:
+
+Can we ask u/freetageeta (creator of gmefloor.con) to update the counter with a 2nd counter „days In jail“ <3
+The more DDs I’m reading, more stories hearing from 2008 I get more angry. I don’t care about tendies anymore.
+
+Im from Europe, so I’m doing best what I can do to support this. In other words buying and holding as much as I can. But you fellow US-Apes need to bring that to attention. No one listended to Dr. burry back than, but now we are thousands of Dr. burrys. Let us be heard. 
+
+Floor is Jail. No less.
+
+
+Unlike 2008 this time people need to go to jail. No exceptions
+
+
+Edit:
+
+Tl;dr from u/merrythough
+
+Naked short selling? You go to jail. Synthetic shares? Jail. Bankrupting Main Street? Believe it or not, also jail.
+
+
+Edit3:
+
+Can we ask u/freetageeta (creator of gmefloor.con) to update the counter with a 2nd counter „days In jail“ <3
+Hello UKPF,
+
+Im looking into ways to make a bit more money on the side. I'm quite tech savvy and was just looking to see what sort of side hussles you have and how much you make from it?
+
+Thank ya
+Title pretty much says it all. I'm located in Alberta. The car I put the deposit on has since been sold to someone else. 
+
+They do not return my emails, and when they speak to me on the phone it goes like this; "The refund is coming soon. It hasn't thus far because x excuse. But it's coming." Wait. Wait some more. Nothing. Call them back. Rinse and repeat. This has gone on for about 3 and a half months now.. 
+
+So what's the deal here? Is this not straight up theft at this point? How should I proceed?
+Hi all, a recruiter has recently reached out to me about a management position in the Macquarie group. The role would be fairly niche, related to scenario analysis and capital oversight in second line.
+
+My question is, do any of you have experience working for Macquarie and would you recommend it as a place to work?
+
+Any insights/stories would be appreciated. 
+
+Just some extra info that may or may not be relevant here. My biggest concern is work to life balance although the hiring manager reckons its not so bad. I don't mind working some extra hours, I just don't want it to be all the time and/or super excessive. Another consideration thats playing on my mind is that my hiring manager is based in London so perhaps that means meetings in odd hours.
+I'm a regular on the forum but this is a burner account for obvious reasons.  I know there are at least a couple of other senior PE / VC guys in here so hoping for their take. All other forums are dominated by grads looking for tips how to get into the industry
+
+I lead a local office for a mid-market PE fund. I'm happy (broadly speaking) but i've been offered a much better deal by larger house . Over the past 8 years I've developed something of an affliction....loyalty! I'm just finalising the negotiation with the other house on carry, pay etc. but I'm mostly pre-occupied by how I'm going to resign. It's clearly not a "I'm handing in my notice, have a good one" type discussion. Should I expect to keep my carry (doubt) or my co-invest (more optimistic)?
+
+Is there anything else I need to be aware of? How have people delivered news like this in the past?
+
+I appreciate this is a little off-topic, but struggling on where else to go.
+Hear me out. I live in one of the biggest cities in one of the youngest (and relatively smallest) states in the U.S.  Because the state is relatively so young, the City is developmentally much further behind larger U.S. cities. However, the city is growing exponentially. 
+
+Can I look to the development trends of larger metropolitan cities to anticipate how my city might grow... the thought being that this would help me with real estate investment and development? If so, would you recommend any reading? 
+
+Thanks!
+I was browsing four plexes recently, and stumbled upon a five plex in the Midwest for $100,000. After doing some quick math taking costs like insurance, proterty taxes, and other expenses into account, I calculated a cap rate of roughly 25-30%. However, there are some issues that I was curious if people could help shed some light on. Firstly, the area is VERY rural (think 2,000 people). My concern is that it might be hard for this property to appreciate, given that this isn't a growing community. Given this info, it makes me wonder how difficult it would be to resell if I ever wanted to sell it. I'm also curious if the area's low population could pose problems in finding renters.
+
+The community seems to rank decently in terms of crime and income (think B- with a score of 80 on Areavibes), and median rent sits around $650/month. My question to you all is, if this property requires minimal rehab upon purchase, would this be a sound investment, or should I stay away from properties like this? It's an out of state rental too, so I would work with a property management company who would help oversee operations, but would also take a small fee. I also understand that a five plex would mean that I would need to apply for a commercial loan, which means higher interest rates.
+
+I can provide more info if necessary, but wanted to get a feel for what you guys think. Thank you!
+
+Edit: Some Annual Numbers Below 
+
+* $1,580 property tax (Taken from Zillow)
+* $492 Home insurance ($41/month Taken from Zillow)
+* $3,900 for property management (assuming 10% of annual gross income)
+Reddit usually bashes on people bragging about their portfolios, but I actually want to hear about success stories of young (<30yo) investors out there who have managed to build a decent real estate portfolio (>2 houses). How many houses do you own, what price ranges, and how did you get there?
+
+I’ll start: partnered with a family member and currently own 8 properties 50/50, each worth $200k-$450k. Huge debt but managed to build a six figure yearly free cash flow between the two of us (not each)
+When I was in the military for the past 4 years the most I was making was $550 a week after taxes. I got medically retired and have been out of the Military for a few months now. These past few months have been really rough financially since my VA check doesn’t start until October 1st. I have had $0 in my bank account since July. 
+
+I just found out I landed a job making $49,000 a year with the city I’m currently living in. On top of that my VA check is like $41,000 a year non taxable. 
+
+So instead of being in the military making $550 a week. I will be home with my friends and family and new girlfriend making like $1,500 a week. 
+
+I have no idea what to do with the extra money besides pay off my debt but I’ve never been so excited to start a job in my life.
+Obvious throw-away account. I've been lurking here since 2013 and started buying my first two coins during the 200 USD bubble. After the subsequent crash I thought "this is bullshit" and forgot about btc until the next 1K bubble. I started to buy more and soon was deeply in the negative. There were two factors that kept me from selling my coins through the following hard 2 years and actually accumulating my position. 
+1. I started investing in shares and funds at the peak of the stock market in 2007 and made huge paper losses. I needed a lot of patience to hold through the next 7 years to get back to my entry point and eventually even make a little profit. I tried only a few times to trade stocks but soon realized that my fear and greed was not helpful in trading so i just held my positions. The same strategy I thus applied to Bitcoin because it had worked before.
+2. Bitcoin is something completely new and whether buying it would ultimately result in a profit can not, as with shares, be inferred from past experience. Although understanding the concept of bitcoin by reading the satoshi paper, it was mostly the conviction and argumentation of the hardcore nerds here(and lots of very smart people in this subreddit) that made me believe in btc. Without them I would never have invested so much and held through the numerous nerve-wracking dips. 
+Therefore I want to thank all you crazy beautiful people in here ...cheers !! AMA
+
+As the title states my girlfriend discovered that her savings had about $12,000 drained out of between July 6th-8th. The charges were labeled as "Force pay debit". What I found extra odd about the situation is that we received a letter from her bank regarding a check written to the order of her for $3,500 that seems to have bounced and it had her signature forged on the back? This is what initially made her check the account. 
+
+​
+
+Her purse was stolen back in January including her ID and wallet, which is our best guess as to how they gained so much information on her. Her bank login history shows the person logged in as far back as a month ago. My initial thought was that the person used the information they gained from her to gain control of her account but they didn't seem to change the password. What other ways would a person be able to take this money from a savings account?
+
+​
+
+She has called her bank but it is no longer in their hours so she will have to wait until the morning.
+
+​
+
+Is there anything else we should be worried about or aware of? Is there a high chance of her getting the money back? I assume they somehow faked their identity using her stolen driver's license.
+
+Update: she filed a police report this morning and went to one of the local bank branches and just text me they said it was obviously fraud and should be getting reimbursed. They didn’t open an account in her name but were cashing checks against her.
+For those invested 100% in VEQT/XEQT, what do you do with it long term?  Do you transfer it to a dividend portfolio closer to/after you retire and leave the principle alone and live off the dividends?
+Due to the accelerated spread of delta variant virus, the epidemic in many countries fought back again, and the economic recovery was threatened, but risky assets such as US stocks continued to hit new highs. Wall Street agencies have issued early warning of risk asset bubbles. Guggenheim believes that bitcoin may fall to $15 thousand, and US stocks will probably fall by 15% or more by the end of October.
+
+So far this year, the S & P 500 index has risen by 15%, which is 93% higher than the low in March 2020. Meanwhile, the S & P / CS20 big city house price index (HPI) shows that house prices in the United States have increased by 15% in the past year as of April this year.
+
+In response to this market phenomenon, some media recently conducted an interesting survey of world-renowned economists: "from the 1 to 10 level, how much is the risk of asset bubble bursting?"
+
+Here are some economists' Views:
+
+Pessimists
+
+Jeffrey Frankel, an economics professor at the Kennedy School of management, Harvard University, USA, gave a 9 point risk rating. He cited four examples of the "amazing" bubbles he thought of: bitcoin and other encrypted currencies, video game retailer Gamestop soaring, NFT (irreplaceable tokens) and SPAC's prosperity, Jeffrey Frankel. He compares these phenomena with the notorious repute of the South China Sea in 1720.
+
+Ewald Nowotny, former governor of the Central Bank of Austria, also belongs to the 9 Distribution camp. He is worried about the real estate market and believes that excessive risk-taking exists in a large number of markets, and non bank financial intermediaries with low supervision grow too fast.
+
+Novotny also pointed out that leveraged loan financing has promoted a fast-growing high-yield market, resulting in excessive leverage and liquidity mismatch in many markets.
+
+Optimist
+
+However, not all economists are worried about the current market.
+
+Joseph Gagnon, a senior researcher at Peterson Institute for international economics, believes that the market risk rating is only 2. He believes that the prices of bonds, stocks and real estate markets have not significantly exceeded their basic values.
+
+Gagnon said that by historical standards, the aging labor force, declining population growth and weak productivity growth have pushed real interest rates to record lows.
+
+Thomas Mayer, former chief economist of Deutsche Bank and founding director of flossbach von Storch Institute, rated market risk as 3. Mayer said that low interest rates were increasing asset valuations and excess cash was driving portfolio reconfiguration.
+
+However, Mayer believes that central banks are basically "Prisoners" of fiscal policymakers and financial markets, so the possibility of significant tightening of monetary policy is very low.
+
+Robert Litan, a non resident senior fellow at the Brookings Institution, believes that the market risk rating is 5. He questioned whether the rise in inflation would continue and trigger the fed to tighten policy. In addition, he questioned how much damage would be done to the macro economy if asset prices suddenly fell?
+
+Li Tan said that any drop in asset prices would damage the economy, just as the economic downturn after the Internet bubble burst, but because government debt relative to the scale of the economy is too high, it will make the recovery after the next crisis more difficult.
+Yesterday's popular askreddit post: https://old.reddit.com/r/AskReddit/comments/fa00m2/if_you_could_pick_between_100000_tomorrow_or/?sort=new
+
+So many people seem to think they can average better than 26% increases over the next 10 years. Either people don't under the math or are widely over estimating how well you can realistically do in the stock market game.
+
+How do you not take the guaranteed 26% APR over 10 years??
+I'm 15 years old and I just started my first job. I'm making $16 an hour and I'm working 3 days a week, 6 hours a day, 18 hours a week. I'm currently only doing 50/50 between checking and savings but I'm soon going to be opening a Roth IRA account, which I'm planning on maxing out every month ($500)
+
+I don't know much about personal finance, or finance in general. But I'm willing to learn anything I need to learn/do what I need to do in order to ensure I'm financially successful by the time I'm 40 (which is my goal retirement age)
+
+What should I be doing/learning now at my age? Should I start a business? Should I learn a new skill/new skills? I don't really know anything about investing or finance but I'm willing to learn if pointed in the right direction.
+
+Ask me anything if needed. Thanks for reading.
+Do you guys believe in what Graham Stephan teaches? I’ve watched some of his videos and like what he teaches but I wanted to know if his teachings work in the real world especially his real estate tactics?
+Thank you for all your comments have a blessed day🙏
+**SOME PERSONAL WORDS FIRST**
+
+Note: My first language is Swiss German so there might be a lot of typos and grammatical and maybe also semantic mistakes in this post.
+
+Also I initially wrote ATS instead of OTC. My brain just thought "3 letter abbrevation" so yeah..
+
+I don't want to scream "forum sliding". Maybe it's just natural trends that come and go. I think though that it is important to shed light again on what I think to be the most important things of all: Naked short selling and the FTD that it brings. As Dr. Trimbath said, there would be no need for any other regulations if FTDs were simply forbidden. Since it automaticly would solve the whole problem of naked short selling as all those trades would have to be reversed. 
+
+There is a lot of talk about dark pools. Idk why. Dark pools are nothing "sensitive" to talk about. It's not a controvercial topic. It is literally an integral part of the market. I'm not talking about the activities or the problems that it brings. I'm just talking about their existence. Also it seems that Superstonk just loves to take the words of u/dlauer and throw them straight into the trash can, since people here STILL love to just use the term "dark pools" when they in fact talk about OTC trading: IT. IS. NOT. THE. SAME! 
+
+OTC internalized trading is where retail trades are internalized (by Citadel and such) and is different from a dark pool. OTC is where the whole thing of PFOF comes to play. It is not something illegal (maybe it should be but that's not the point). It's like saying: "Look, we found the existence of Liquor Stores! Hah! Let's point fingers at those stores so people finally wake up and see that they exist!" Well no shit they exist.
+
+\-------------------------------------------------------------------------
+
+**PRELUDE**
+
+You know what does exist, that the industry very much doesn't want to acknowledge and has somehow died on here too? Naked shorts. That's where the whole problem is burried.
+
+Since I live in Europe my NYSE traded GME shares have to be held by a custodian. This custodian is chosen as a partner by my broker. In fact there might be several entities in this whole chain known as a "custody chain". The shares aren't held directly in my name. They can't be, since I'm not a US citizen. So someone has to do that instead of me. I'm the "UBO" or "ultimate benificial owner" of the share so I'm still the one that has the voting rights and the rights to recieve dividends; it's just a little more complicated than if you'd live in the US.
+
+What has this got to do with GME? Well I wanted to know what custodian my broker (Degiro) picked as their partner to hold their shares, so that I could do some back ground checking on them. So I asked Degiro and here is their reply:
+
+​
+
+[Translation: They use Morgan Stanley as their custodian](https://preview.redd.it/zuljfsdk4ph71.png?width=1479&format=png&auto=webp&s=07813e44af5912e03829dec98c9e61dab514b685)
+
+​
+
+Thanks to atobitt's HoC DD I know where to look for the FINRA reports I read them and this is a part that seemed rather shady but hey: Aren't they all shady?
+
+​
+
+[From: https:\/\/files.brokercheck.finra.org\/firm\/firm\_8209.pdf  PAGE 53](https://preview.redd.it/07flcmbbyoh71.png?width=859&format=png&auto=webp&s=8c3ed4810116f76d30c5b181a0dd3bf02cbb198a)
+
+Degiro also has a pretty shady part in their terms and conditions:
+
+​
+
+[Translation: In case that the held shares aren't around anymore \(for what ever reason\), the deficit of the missing shares is passed on to the customers and divided in proportion to the size of the position each customer holds \(and yes this also holds true for the Custudy-Account type where they're not supposed to lend your shares\).](https://preview.redd.it/eiosudy35ph71.png?width=658&format=png&auto=webp&s=f506e1a1ce62d5c4b1a593f68bb360f4020eff53)
+
+So I thought maybe I could transfer some of my shares from Degiro (or Morgan Stanley, since they're the custodian) to my local bank. Of course they also have to be partnering with a custodian too. So I walked into my bank and told them that I was interrested in maybe transfering some shares but wanted to ask some questions first. They set up a meeting right away (it's actually a credit union, they're awesome when it comes to this). They got me the head private financial advisor of the local union. He really wanted to help me but it turned out that he doesn't really know that much abount international market trading since this is a very small credit union and they let UBS handle their stock market trades (oof). He told me I should send them a list of questions and that they would forward them to get the answers that I was seeking. So I did just that and I asked about who they use as a custodian and who would have to hold the bag in a situation of when the custodian would default on his obligation to deliver the shares in case when I want to sell during MOASS. These are the replies:
+
+​
+
+[Translation: They partner with UBS which then in turn most of the times uses Citibank as custodian](https://preview.redd.it/a7zkt64q0ph71.png?width=1729&format=png&auto=webp&s=e8995308131ada8b46bafcf63c98c17b4fffe10b)
+
+[Translation: In case of a default the party that defaulted has to pay up. It can't be passed on to the owner of the share.](https://preview.redd.it/w2ktkr860ph71.png?width=1765&format=png&auto=webp&s=3a3dbbabf3c2485f50d25048402c7b9b86c2d20d)
+
+That's a little better than what Degiro does. So I initiated a transfer of some shares, eventhough Citibank is a pos institution too. I will explain why in the following part.
+
+\-----------------------------------------------------------------------------------------
+
+**MAIN PART**
+
+NAKED SHORT SELLING TO YOUR OWN CUSTOMERS
+
+So I then went on to do a back ground check on Citibank and oh our dear u/atobitt has already done that in his HoC, so here is a quote which he has gotten from this FINRA filing [https://files.brokercheck.finra.org/firm/firm\_7059.pdf](https://files.brokercheck.finra.org/firm/firm_7059.pdf)
+
+Citigroup Global Markets | Disclosure 11 – “THE FIRMS TRADING PLATFORM FAILED TO RECOGNIZE THAT THE FIRM WAS SELLING SHORT WHEN IT WAS ACTING AS THE CONTRA PARTY TO A CUSTOMER TRADE. AS A RESULT, THE FIRM ERRONEOUSLY REPORTED SHORT SALES TO A FINRA TRADE REPORTING FACILITY AS LONG SALES… EFFECTING SHORT SALES FROM ITS OWN ACCOUNT WITHOUT BORROWING THE SECURITY…”
+
+a. $225,000 FINE
+
+Citigroup Global Markets | Disclosure 60 – “…THE FIRM RECORDED 203,653 SHORT SALE EXECUTIONS ON ITS BOOKS AND RECORDS AS LONG SALES, SUBMITTED INACCURATE ORDER ORIGINATION CODES AND ACCOUNT TYPE CODES TO THE AUDIT TRAIL SYSTEM FOR APPROXIMATELY 2,775,338 ORDERS… “
+
+a. $300,000 FINE
+
+Citigroup Global Markets | Disclosure 77 – “…FAILED TO PROPERLY MARK APPROXIMATELY 9,717,875 SALE ORDERS AS SHORT SALES… FINDINGS ALSO ESTIMATED THAT THE FIRM ENTERED 55 MILLION ORDERS INTO THE NASDAQ MARKET CENTER THAT IT FAILED TO CORRECTLY INDICATE AS SHORT SALES…”
+
+a. $2,250,000 FINE
+
+​
+
+\--------------------------------------------------------------------------
+
+**TLDR / DISCUSSION**:
+
+So do you see it? Do you see why naked short selling is such an incredibly important topic? They freaking sell shares naked to their own customers. This is evidence of Citibank doing it so just imagine what Citadel will do in their OTC trading! They are the designated market maker for GME. They can literally satisfy all the retail buy orders with naked sales so that they never see the market. They take the contra party to those trades. The OTC interanlized trading of Citadel is the perfect opportunity to naked sell. Sure they have to report volume and the price of the transaction but it doesn't show who were the parties in those trades. That is the issue here. It is all internalized. We can't prove that those transactions are naked short sellings bc it might as well be 2 retail trades (one sell, one buy) that could have taken place. You can't tell one from the other. THAT'S why OTC trading (and not dark pools) are so dangerous. They literally use the buying pressure as a way to introduce more naked shorts.
+
+EDIT: Wrote ATS instead of OTC
+Old news for the seasoned investors, but there are always new folks here. Just wanted to use a real life example of how you can make steady gains without needing to chase new stocks. 
+
+On a one year time horizon, I’m currently up around 25% in AAPL, and close to 400% in NET. However, my dollar gains in both stocks are less than 10% apart. While I may not have exploded on AAPL, DCA’ing in over a year has allowed to me to net the same dollar gains as a bet on growth stock. Just something to consider for newer investors.
+
+Edit: a lot of full time Reddit users are rushing to their keyboards to talk about longer time horizons. That’s not the point of this post. The point is to compare two different investments on the same REAL time horizon I’ve owned them to demonstrate that DCAing into blue chips can be just as rewarding in dollars as making small bets on growth stocks that turn out to be WILD SUCCESSES, let alone the ones that go negative.
+I've been waiting to make this post, for a long time. Given the current events, circumstances and community vibes I'm seeing. This is the time.
+
+This is not an exhaustive list, and there are hundreds more reasons I'm sure are not listed here. I encourage you to add more in the comments!
+
+​
+
+1. Huge pile of cash
+2. Growing AAA team of technical industry leaders
+3. A streamlined fulfillment process rivals Amazon
+4. Undergoing a historic company transformation
+5. Growth and leadership into a massive revolutionary NFT industry
+6. Low float
+7. Millions of loyal shareholders
+8. Shareholders willing to migrate, DRS, speak out
+9. A community filled with really smart people, and some retards :)
+10. Public IP recognition and value
+11. Deep value, cyclical gaming exposure that really can't be had anywhere else DFV
+12. Increasing and ever bullish media exposure
+13. Industry leading market experts involvement in SuperStonk (Queen Ape, Big D Laurer, etc.)
+14. A cult like status very similar to what we saw in Tesla early days
+15. RC as chairman, speaks for itself
+16. Matt Furlong as CEO, speaks for itself
+17. Immutable X partnership
+18. Loopring Partnership
+19. A customer focused approach 
+20. Potential NFT dividend
+21. Potential for dual marketplace/DEX
+22. Expanding product offerings
+23. Industry leading customer support
+24. The poster child for market reform
+25. A community willing to help others understand
+26. Shareholders who genuinely give a shit about each other
+27. Shareholders who HODL, almost all the paperhands are long gone
+28. Shareholders willing to buy at any price
+29. Membership loyalty program that is healthy and growing
+30. Imminent marketplace launch
+31. Imminent positive earnings cycles (Console cycle)
+32. Very bullish job postings hiring constantly
+33. Leaned down retail footprint focused on high sales locations
+34. Exclusive deals, products and offers
+35. Rebranding
+36. Aggressive online retail ecomm expansion
+37. Gaming is a recession proof industry
+38. Potential Apple partnership
+39. Potential and existing Microsoft partnership
+40. An almost instantaneous feed of current company happenings (Almost nothing gets by us)
+41. Major social media exposure daily
+42. A crowdsourced and decentralized mindset both in company and community
+43. The whole world is going meta, and you are first in a major player
+44. Extremely competitive pricing in some cases best pricing
+45. A community willing to organize for charity and good causes
+46. 100M in share buyback potential
+47. More eyes on this stock than almost any other stock
+48. A company that understands and values it shareholders and community greatly
+49. A growing list of high profile/celebrity endorsement/mentions
+50. A very attractive stock price given all the above
+51. Oops MOASS... My Bad (It's number 51, so I played by the rules, see what I did there?)
+
+So, even if MOASS never comes (It will) you can clearly see we have something truly special here both in company and community (they are one). If you ever feel like you are losing and getting fearful, I want you to remember these things that make GameStop a great investment regardless of MOASS. 
+
+I HOLD FOR YOU, DO YOU HOLD FOR ME? Have a great weekend apes, take care of yourself, refresh, regroup, and keep being awesome to each other.
+I've been waiting to make this post, for a long time. Given the current events, circumstances and community vibes I'm seeing. This is the time.
+
+This is not an exhaustive list, and there are hundreds more reasons I'm sure are not listed here. I encourage you to add more in the comments!
+
+​
+
+1. Huge pile of cash
+2. Growing AAA team of technical industry leaders
+3. A streamlined fulfillment process rivals Amazon
+4. Undergoing a historic company transformation
+5. Growth and leadership into a massive revolutionary NFT industry
+6. Low float
+7. Millions of loyal shareholders
+8. Shareholders willing to migrate, DRS, speak out
+9. A community filled with really smart people, and some retards :)
+10. Public IP recognition and value
+11. Deep value, cyclical gaming exposure that really can't be had anywhere else DFV
+12. Increasing and ever bullish media exposure
+13. Industry leading market experts involvement in SuperStonk (Queen Ape, Big D Laurer, etc.)
+14. A cult like status very similar to what we saw in Tesla early days
+15. RC as chairman, speaks for itself
+16. Matt Furlong as CEO, speaks for itself
+17. Immutable X partnership
+18. Loopring Partnership
+19. A customer focused approach 
+20. Potential NFT dividend
+21. Potential for dual marketplace/DEX
+22. Expanding product offerings
+23. Industry leading customer support
+24. The poster child for market reform
+25. A community willing to help others understand
+26. Shareholders who genuinely give a shit about each other
+27. Shareholders who HODL, almost all the paperhands are long gone
+28. Shareholders willing to buy at any price
+29. Membership loyalty program that is healthy and growing
+30. Imminent marketplace launch
+31. Imminent positive earnings cycles (Console cycle)
+32. Very bullish job postings hiring constantly
+33. Leaned down retail footprint focused on high sales locations
+34. Exclusive deals, products and offers
+35. Rebranding
+36. Aggressive online retail ecomm expansion
+37. Gaming is a recession proof industry
+38. Potential Apple partnership
+39. Potential and existing Microsoft partnership
+40. An almost instantaneous feed of current company happenings (Almost nothing gets by us)
+41. Major social media exposure daily
+42. A crowdsourced and decentralized mindset both in company and community
+43. The whole world is going meta, and you are first in a major player
+44. Extremely competitive pricing in some cases best pricing
+45. A community willing to organize for charity and good causes
+46. 100M in share buyback potential
+47. More eyes on this stock than almost any other stock
+48. A company that understands and values it shareholders and community greatly
+49. A growing list of high profile/celebrity endorsement/mentions
+50. A very attractive stock price given all the above
+51. Oops MOASS... My Bad (It's number 51, so I played by the rules, see what I did there?)
+
+So, even if MOASS never comes (It will) you can clearly see we have something truly special here both in company and community (they are one). If you ever feel like you are losing and getting fearful, I want you to remember these things that make GameStop a great investment regardless of MOASS. 
+
+I HOLD FOR YOU, DO YOU HOLD FOR ME? Have a great weekend apes, take care of yourself, refresh, regroup, and keep being awesome to each other.
+Do you guys think analysts are forcing to make the expected earning lower so companies could easily beat it? i thought we were going to see the worst earnings quarter ever but the ones who released are easily earning more than expected.
+Article: https://www.cnbc.com/2022/04/27/meta-fb-q1-2022-earnings.html
+
+>Shares of Facebook parent Meta jumped 18% in extended trading on Wednesday after the company reported earnings that topped estimates even as revenue was disappointing.
+
+>The after-hours rally on Wednesday still leaves the stock way down for the year. As of the close, the shares had lost almost half their value in 2022.
+
+>In addition to its earnings figure, Facebook also exceeded expectations for average revenue per user. But almost every other key metric was a miss, including monthly active users.
+
+>Revenue rose 7% in the quarter, the first time in Facebook’s 10-year history as a public company that growth has landed in the single digits. Analysts were expecting 7.8% growth.
+
+>For the second quarter, Facebook forecast revenue of $28 billion to $30 billion, trailing the $30.6 billion estimate of analysts surveyed by Refinitiv. The company said in the release that the guidance reflects continued trends from the first quarter, including soft revenue growth that “coincided with the war in Ukraine.”
+
+>Facebook changed its name to Meta in October, reflecting CEO Mark Zuckerberg’s effort to push the company towards a future that includes working, playing and studying in a virtual world.
+
+>Facebook’s family of apps, including the core app, Instagram and WhatsApp, accounted for 97.5% of revenue in the quarter. The remaining $695 million came from Reality Labs, the part of the company that’s attempting to build products for the metaverse.
+
+>In the family of apps business, net income dropped 13% from a year earlier to $11.48 billion. Reality Labs lost $2.96 billion in the period compared with a loss of $1.83 billion in the first quarter of 2021.
+
+>Facebook lowered its total expenses guidance for 2022 to somewhere between $87 billion and $92 billion, below its earlier estimate of $90 billion to $95 billion. It expects most of that expense growth to be driven by its family of apps segment, followed by Reality Labs.
+
+>Other social media companies similarly pointed to macroeconomic factors impacting their advertising revenue. Snap CEO Evan Spiegel called the first quarter “more challenging than we had expected.” The company said some advertisers had paused advertising campaigns after Russia’s invasion of Ukraine in February. Google-owned YouTube grew just 14% in the first quarter, far below the 25% analysts had expected.
+
+>Digital ads could also be impacted by inflation and Apple’s recent privacy changes on iPhone operating systems, which Meta CFO Dave Wehner previously predicted would result in a $10 billion revenue hit in 2022, though he acknowledged that figure was an estimate.
+
+Shares are up 20% in After Hour trading.
+
+Disclaimer: I have [long positions in $FB](https://www.wealthly.com/share/5RH4FH), and I was partially influenced to hold my positions after reading [this comment](https://www.reddit.com/r/investing/comments/u8w2wa/is_meta_platforms_inc_fb_a_value_pick_or_value/i5o4859/) from /u/living-pineapple-589. Good call so far sir.
+​
+
+​
+
+https://preview.redd.it/dbkc58477gi61.png?width=978&format=png&auto=webp&s=0f726b095fdd587814709a01af16bec4e9d568ef
+
+You might have read Cuban saying the more the stock price of GME falls, the more dangerous WSB will get.
+
+Did you understand that? Not?
+
+Let me explain to you: If we keep holding and at the same time we retards still buy at lower price stocks of GME, the volume of stocks that we buy and hold rises exponentially.
+
+Why that? Because we stupid retards want to invest our $1000, and holy shit at a price of $50, I can buy 20 shares, at $5 great 200 stocks.
+
+The volume of available shares on the market decreases extremely.
+
+This means?
+
+HOLD!
+
+BUY! If you can afford.
+
+(To start the engine of the rocket!)  
+
+
+Edit: Likely you can find that quote somewhere else as well, but here is a link to an article quoting Cuban: [https://headtopics.com/us/a-week-inside-the-wallstreetbets-forum-that-launched-the-gamestop-frenzy-18626770](https://headtopics.com/us/a-week-inside-the-wallstreetbets-forum-that-launched-the-gamestop-frenzy-18626770)
+I'm Power of Attorney for my grandmother and she is starting to show signs of Alzheimer's and dementia.  She's lived by herself in Florida and its getting to the point where it's not safe for her to be alone.    I'm planning on bringing her to NJ where she can stay with my in-laws for the holidays but at some point I have to figure out Assisted Living.  Would it be better for her to go in Assisted in NJ or bring back down to FL?
+
+Everything is in a Revocable Living Trust and she seems to have a decent amount of money.  $300,000 house, $200,000 in stocks, $150,000 in CD's and Savings.  She won't qualify for Medicaid so how's the best way to pay?   Can I start moving money into my accounts?   Should I put the car in my name?   I would like to keep the house for my own retirement someday.
+
+Thank you for any advice.
+These are my only watchlist tomorrow. These should be your only watchlist tomorrow. It’s payback time. Robinhood will pay! BUY, HOLD, BUY THE DIP, HOLD 💎 🚀 🙌
+
+Stock market is as simple as supply and demand. We cut the supply by buying and holding. They’ll have to jack the price up.
+
+I forgot to add $EXPR $SNDL
+
+Disclaimer:  I’m not a financial advisor. I’m not licensed to give any advise. I don’t take money. Don’t listen to me. This is for entertainment purposes only. 🌚 🌝
+They are not designed so that one makes goods decisions. The are designed so one clicks on links and adds. In most cases you are better off reading nothing but financial statements and sector/industry news.
+
+This is especially true if your looking at mid to long term plays. Statistically speaking most news is just noise (no predictable impact on price) and most experts do not consistently get it right.
+
+Even when content is written with the investors best interest in mind, the author is still victim biases that are defaults in how we think.
+
+​
+
+EDIT: Since this posts has some traction I'd like to encourage anyone who is interested to read up on heuristics and heuristics in investing. The psychology of investing is grossly undervalued and much of the best research is used by marketers and product designers to ensure that we act in their best interest and not our own. 
+
+I'd also like to add that while Motley Fool is low hanging fruit, they are far from the only offender. 
+At the risk of being dumb and the only person who didn't know this, I'm posting in case someone else has also never had the need to buy a whole turkey and might not know. I have always gone to someone else's house for Thanksgiving so I never realized how cheap turkey is at Thanksgiving time. Where I am it's 39 cents per pound now! I got a 15 pound turkey today for around $5.50. I'm planning to go get two more. Each one is a ton of meat for my family of 3, I'll roast them, freeze most of the meat to use as we go along, and have the bones to make stock.
+
+
+What’s up fellow theters?! So, had another bad week (my third in the last five approx. weeks). 
+
+So I’ve been selling puts (mostly weeklies) consistently since the end of October (2020). Doing very well, learned so much in the process and adjusted my strategies here and there. Got more risky the more I made (nothing crazy though). But in the last month plus, we all know the juiciest premium picks have lost steam (EV’s, meme’s, blockchain, etc). So what do you guys do in times like these? Just live with the lower premiums, choose lower deltas (I avg. low 30’s), choose lower IV stocks, spreads? I would love to know, thanks!
+So, the last few months during Covid I've been isolated, being alone with hazmat suit on big mansion with kilometric tables got me lot of time to think and I've come with a brilliant plan.
+
+​
+
+Do you know this country?
+
+​
+
+[Crimea 100% russian](https://preview.redd.it/6fhmpon7cuk81.jpg?width=1024&format=pjpg&auto=webp&s=040efff23e7c8c8fca6532ccab59175bca637866)
+
+​
+
+It's Ukraine, a shitty country with a weak nazi-jew president. Well, I'm going to invade it.
+
+I know, I know, "How is this related to WallStreetBets?" you asking. We're here to gamble; so I'm going to YOLO my entire country on it.
+
+​
+
+**My plan is this:**
+
+​
+
+1-Concentrate troops on the border->This will scare western pussies since russian military strongest, thus bringing stocks down: good for me because I've PUTS on them.
+
+​
+
+2-Invade Ukraine->Will be down on a few hours max, I get new fresh territory literally for free.
+
+​
+
+3-The West applies some shitty sanctions->It's ok, they need to prove they're concerned but ultimately will do nothing significant. They like my pipelines too much.
+
+​
+
+[It's me, Vladimir Putin, being sneaky](https://preview.redd.it/lvqouscecuk81.jpg?width=1200&format=pjpg&auto=webp&s=691a8073cfa765cc8587d83f058fa521650b151e)
+
+​
+
+Additionally , I convinced my wife's boyfriend, China (who is super rich), to give me financial support for further investing: time to buy CALLS.
+
+​
+
+4-With new territories + China + morale boost I predict russian economy to grow 4000% during next 2 years.
+
+​
+
+This is probably the safest bet I've ever taken, it's so easy I want to give opportunity to invest even to western scum like you. I literally can't see this going tits higher.
+
+​
+
+​
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+Edit: Success on the first part of the plan. Lol, they so scared it's funny. Now I buy a little time with talks while I change my positions and prepare troops. Russia to the moon!
+
+​
+
+[I'm cool d](https://preview.redd.it/oi50kgelcuk81.jpg?width=670&format=pjpg&auto=webp&s=e59a1a265c78367ee4ef40c74f2ae3287140185c)
+
+​
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+Edit 2: **OH MY BABUSHKA!** Everything went to ass!! Dirty ukranians are blowing up my precious tanks, everyone applying sanctions like crazy, russian ruble down 30% I contacted RobinHood and I CAN'T open the markets to close my positions, China is ignoring my calls and now I've protests on the streets calling me the retardest, telling me to go. Oligarchs not happy either and I don't trust any drink they give me.
+
+​
+
+I'm devastated, I even lost my **JUDO** belt!
+
+​
+
+I can't stop the war now cause I'll look weak and they'll kill me with piolet in the ass (no homo).
+
+​
+
+I'm done, I don't know what to do, I'm thinking of suiciding with nuclear bombs :(
+
+​
+
+Any last financial advice?
+
+​
+
+​
+
+[?](https://preview.redd.it/9nxh1hsxduk81.jpg?width=626&format=pjpg&auto=webp&s=aa0da1b43d946d299d4a8c4d129d0b70390b40d2)
+Y'all, apes and apettes, we can't slow our roll with DRS now. Infact we need to pick up the pace!
+
+We can hypothesize and theorize and speculate all day about an NFT dividend or Cohen pushing the red button but in reality the only power we have is BUY, HOLD, DRS!
+
+I know that's been our mantra for the past 11 months but now is not the time to get complacent with DRS. It's truly our main super power. 
+
+So, in short...DRS! 
+
+Thanks for reading apes, may the tendieman bless us all and soon....and bountifully. 🚀👌
+[Source](https://www.stlouisfed.org/on-the-economy/2021/may/housing-prices-surpass-bubble-peak-measure-value) 5/24/21
+
+[Price-to-rent has surpassed that of the last housing bubble peak. ](https://preview.redd.it/ou04wrrwfoa71.png?width=880&format=png&auto=webp&s=7db8f70f87ffb22f587b480862959c73ba61a8ac)
+
+# Some interesting excerpts from the report:
+
+>The nationwide house **price-to-rent ratio, a widely used measure of housing valuation that is analogous to the price-to-dividend ratio for the stock market, is at its highest level since at least 1975**, as shown in the figure. Rapid house price appreciation since last May, combined with a slowdown in rent growth, resulted in a surge in this ratio. **By February 2021, the national house price-to-rent ratio had surpassed the previous peak reached in January 2006; in March 2021, the ratio was 1% higher than its level at the peak of the housing bubble. This suggests the average house now sells for quite a bit more than its “fair value,”**
+
+This report is from May. Remember, [we just covered](https://www.reddit.com/r/Superstonk/comments/ohy4mi/inflation_alert_rent_prices_are_spiking_as/) that rent prices are now also spiking.
+
+Measuring House Prices …
+
+>There are many different house price indexes for the nation as a whole as well as for particular regions, states, counties and metropolitan areas.[3](https://www.stlouisfed.org/on-the-economy/2021/may/housing-prices-surpass-bubble-peak-measure-value#) There is no perfect house price index, so I constructed one for this article by combining two high-quality indexes: (1) the Federal Housing Finance Agency (FHFA) Purchase-Only House Price Index for the United States, and (2) the Freddie Mac House Price Index. The FHFA index is methodologically superior to many other indexes but it has a relatively short history of about 30 years. The Freddie Mac index is similar methodologically but draws from a smaller sample each month. Its primary advantage is a longer data history (about 46 years). More details on the indexes are in the [appendix](https://www.stlouisfed.org/on-the-economy/2021/may/housing-prices-surpass-bubble-peak-measure-value#appendix).
+
+… and Rents
+
+>I used the shelter component of the consumer price index for all urban consumers (CPI-U) to measure the imputed rent paid for owner-occupied housing. Owners’-equivalent rent of residences (OER), a subcomponent of the shelter index, is a closer match to what I want to measure, but its data history is not as long as that of the shelter index. As detailed in the appendix, the shelter and OER indexes produce nearly identical conclusions, so I used the longer data series.  
+>  
+>**With these data, we can calculate a ratio of house prices to rent; with the earlier assumptions, we can also point to a ratio indicative of fair value for housing. During the entire 46-year period shown in the earlier figure, the average value of the ratio is about 78. As of March, the nationwide house price index was about 30% higher than the estimate of fair value produced by this approach**.
+
+Also
+
+>Will This Time Be Different?  
+>  
+>Are we experiencing another housing bubble? Should we expect housing to play an important role in the next downturn? **The risks facing households, the financial system and the economy appear less serious now than they were in 2006**. Most importantly, homeowners today have greater home equity and less mortgage debt, on average, than they did then. But the elevated level of the house price-to-rent ratio surely merits caution and further study.
+
+The more we cover all of this data together, the more it seems the following is going to stop the stock market from growing in its tracks:
+
+* The end of the eviction moratorium
+* Requirements that mortgage/credit payments be resumed
+* End of extended unemployment benefits
+* Resumption of student loan repayments (thanks for the shout in the comments u/Delstragoy)
+* Federal debt limit battle which may result in less government stimulus (not to mention we are entering election season and both sides are going to want to point the finger at each other for blame on economy blowing up)
+* The Fed may be actually being serious about tapering QE
+* Upcoming bankruptcies of more firms
+* Regionalized labor disruptions due to Covid
+
+Add that to the inflation monster that has been unleashed?
+
+https://i.redd.it/3znnehbbjoa71.gif
+
+[ Thanks for dropping by and taking a dive! Please let me know if you have any questions or areas to explore, happy to try and help! ](https://i.redd.it/yoe034rfjoa71.gif)
+I just got a text from Coinbase giving me a verification code for my account, which I didn't initiate.
+
+Then I got a call from "Coinbase." The guy on the line said I needed to change my password. When I told him I'd call Coinbase back, he stuttered and said, "Uh, what for? We're on the line now." I told him to scam someone else and that I was calling the FBI (lol). He called back and started with how I needed to change my password. I again told him not to call me and that I was going to contact the FBI.
+
+I don't use Coinbase anymore (don't really dabble in cryptocurrency anymore), but I changed my password (online, not over the phone) anyway.If someone calls asking for sensitive information, tell them you'll call the company back and give it to them then. YOU be in control of the call, not them. Just wanted to give everyone a heads up!
+
+ 
+
+Edit: Apparently, the number that called me \[(888) 908-7930\] IS from Coinbase, according to an article posted by u/[obavijest](https://www.reddit.com/user/obavijest) ([https://blog.coinbase.com/announcing-coinbase-phone-support-1-888-908-7930-5a7c8385b47d?gi=58c3bc37c002](https://blog.coinbase.com/announcing-coinbase-phone-support-1-888-908-7930-5a7c8385b47d?gi=58c3bc37c002)). Still not sure why THEY would call ME, especially since I haven’t used them in over a month. He was specifically calling about changing my password, and after the 2nd time I picked up, he told me to click the link in my email. I find it suspicious that he wasn’t okay with me calling them back, and to click a link in my email.
+
+Edit 2: yes, I know number can be spoofed to look like the real thing. That’s why I told them I’d call them back, didn’t give them my information, and posted this. 
+In this post, I would like to expand on the growing interest in staking by expanding on [Passive income post](https://www.reddit.com/r/CryptoCurrency/comments/lk2rtw/the_ultimate_guide_to_earning_passive_income_with/) by u/Weaver96  and [Beginner's staking guide](https://www.reddit.com/r/CryptoCurrency/comments/lrhrz6/what_is_staking_a_guide_for_beginners/) by u/GajarCroissant . Everything in this post is relevant for the year 2021.  If you would like to read this in a PDF [click here](https://www.docdroid.net/bkNrDyP/ultimate-staking-guide-2021-pdf).
+
+I will present some best staking coins for 2021. So if you want to look into crypto staking in 2021. Look no further.
+
+## I decided to post PART 2 on a medium / blog to make it more beautiful and add community contributions from the comments. Thanks for a lot for good additions :) Sorry about not keeping this one up, work got very busy.And I wanna take it up a notch.
+
+Edit1: Corrected some things around based on feedback. Moved disclaimer about sources. Edit 2 will bring more projects 
+
+**If you think that this list excludes an interesting project, please comment and list some sources. I will edit the post and add them in.**
+
+Table of contents:
+
+Staking and methodology
+
+1. TLDR: Summary Table of Projects (Profitability, Ease of staking)
+2. Glossary
+3. Why to stake in a Native wallet vs Third-party wallets vs Exchanges
+4. Overview of projects and useful links
+5. Sources and declaration of conflict of interest
+
+# 0. Staking and methodology
+
+Staking cryptocurrencies is something that may interest a lot of retail investors who do not wish to participate in active trading. Staking allows a coin holder to receive passive income through a reward or forging system.
+
+The number of coins or tokens that you have or the amount you are willing to stake will affect the quantity of staking rewards. It’s a bit like a savings account but with much greater freedom and a decent profit.
+
+Staking is in its essence basically a form of mining, that rewards the users of the blockchain network, because the users of the specific project chose who their Node operators and ultimately Staking providers are. These operators are called miners for coins like Bitcoin. However, staking uses fraction of electricity and computational power that bitcoin mining needs, while still keeping the network running. Poetry of blockchain engineers.
+
+I decided to make a comprehensive guide that will cover a glossary regarding staking and other blockchain terms. The main take-away should be a closer look at a list of projects that I will compare based on how profitable, prospective and user-friendly they are.
+
+The choice of projects featured includes popular, innovative and original projects. I have either direct experience with these projects or I have researched and tested them out. In my opinion, these projects are relatively low risk.
+
+I studied 40+ projects and eventually limited my choice to 9 blockchain networks. This journey was actually really interesting.
+
+Before starting it, I was staking in 2 projects and I thought the market was flooded with projects covering insane staking rewards and incredible possibilities. I went to the opposite end of what I know from my experience and researched ERC20 staking – realizing it is complex and risky.
+
+Therefore, I focused on user experience and risk mitigation. This led to a rabbit hole of discovering new and amazing projects. I slowly started to realize one very common denominator for the best staking projects. All of them are focused on creating technology for block-chain interoperability, deploying their own blockchains and parachaining. Each has its own unique take on how to solve this crucial factor for adoption (covered in Chapter 4). This reasoning is clearer when you understand the difference between Proof-of-work and Proof-of-stake.
+
+The foundation of the tech behind the projects should be a major point of interest when comparing these products over their profitability. One of the deciding factors was also the development activity behind these projects ([https://twitter.com/ProofofGitHub](https://twitter.com/ProofofGitHub)). That is why extreme profit projects with 0 tech are not listed here.
+
+To make this guide a bit more interesting I had a couple of crypto beginners try out this selection of projects and noted their opinion in the evaluation part of this guide.
+
+
+
+Important notes:
+
+* Any project with less than 3% annual rewards is not included (eg. EOS, NEO, TRON, VET, LSK, XLM).
+* As mentioned, sometimes there is a risk associated with staking (usually very high-profit types with 20% and more yearly interest). This means that any project that has a risk of losing the staked amount or significant rewards is also excluded.
+* ERC20 tokens are also excluded as their staking is more complicated and riskier. DOT and KSM are exceptions because their slashing is negligible for users (not validators, however).
+* Exchange staking is included briefly as it also carries a risk but that is mainly in the concept of not your keys, not your coins axiom.
+* I decided not to include ETH 2.0 in this guide, because it means locking a large number of assets until it launches (so do your own research after you finish this guide).
+
+# 1. TLDR: Summary for Staking in Native Wallets
+
+I decided to start this post with a summary, because there would be a wall of text before the “good stuff”. I hope this summary will motivate you to read through the rest of the post and find the logic and reasoning behind it. I decided not to give any project an overall rank and listed them alphabetically (there is no best to last, that is for you to decide). Instead, I summarized key features, profitability and evaluated UIX (from crypto-beginners) and tech aspects (by studying whitepapers and roadmap completions).
+
+Some projects have grown in a way that staking was always available only in third-party wallet and since that is their native environment, they deserve a place here.
+
+Staking in native wallets will always be the most secure way to stake your coins. Never forget to back‑up your seed phrases.
+
+**If some terminology in this table is not clear – head down to the glossary in the next chapter. Every single evaluation category in the table is explained in project overview of Chapter 4.**
+
+Table 1: Native wallet - profitability
+
+|**Project**|Coin|Native Wallet|APY %|Lock-up period|Pay-out|
+|:-|:-|:-|:-|:-|:-|
+|Algorand|ALGO|Yes|6.5 %|None|Transaction claim|
+|ARK EcoSystem|ARK|Yes|8-9.5 %|None|Daily|
+|Avalanche|AVAX|Yes|9.2 %|14-365 days|After lock|
+|Cardano|ADA|Yes\*|4-5 %|None|5 days|
+|Cosmos|ATOM|3rd - party only|10.5 %|Variable\*\*|Claiming with fees|
+|ICon|ICX|Yes|13 %\*\*\*|5-20 days|5-20 days|
+|Kusama|KSM|Yes|14 %|7days|Claim (21 days expire)|
+|Polkadot|DOT|Yes|9-12 %|28 days|Claim (84 days expire)|
+|Tezos|XTZ|3rd - party only|5-6 %|None 20 days to confirm|3 days**** |
+
+\*ADA native wallets are developed by third-party but they are exclusive to ADA
+
+\*\* ATOM locking period depends on user but to switch delegation you have to wait 21 days.
+
+\*\* ICX interest changes a lot, can be from 6-30 %, overall is about 10–16 %
+
+\*\*\* Tezos requires to initially confirm assets for about 14-20 days. So PoS rewards kick in after time, then rewards pay out every 3 days.
+
+Table 2: Native wallet – features and evaluation
+
+|Coin|Consensus|Ease of staking|Tech|User experience|
+|:-|:-|:-|:-|:-|
+|ALGO|PPos\*|Easy|7/10|8/10|
+|ARK|DPoS|Easy|10/10|10/10|
+|AVAX|PoS|Moderate|8/10|8/10|
+|ADA|PoS|Easy|10/10|10/10|
+|ATOM|PoS|Moderate|10/10|8/10|
+|ICX|DPoS|Easy|9/10|8/10|
+|KSM|DPoS\*\*|Hard|9/10|4/10|
+|DOT|DPoS\*\*|Hard|9/10|4/10|
+|XTZ|PoS and DPoS|Easy|8/10|7/10|
+
+\*PPoS is a form of PoS where anyone on the network can decide what to do with blocks –achieving great decentralization level
+
+\*\*Dot’s and Kusama’s DPoS is called NPoS, but is just DPoS with possibility to punish bad delegates (slashing)
+
+# 2. Glossary
+
+Table 3: Essential blockchain terms
+
+|**Term**|**Explanation**|
+|:-|:-|
+|**Blockchain**|Immutable or permanent ledger (registry) maintained in multiple locations known as **nodes**.|
+|**Node**|A software instance on a Blockchain network responsible for participating in consensus, maintaining the ledger, servicing or relaying transactions, or all of the above. A node is the most basic unit and critical part of a blockchain infrastructure.|
+|**Node operator**|Person or group of people responsible for maintaining a node. A network refers to all nodes in the operation of a blockchain at any given moment in time.|
+|**Network**|Collection of nodes that communicate with one another to form a system.|
+|**Transaction**|An exchange of data or value between Blockchain addresses or networks.|
+|**Consensus**|General agreement between node operators on the state of the Blockchain and/or ledger. In decentralized systems, which are composed of a multitude of node operators the decisions are made collectively.Consensus is needed to provide the state of the network.|
+|**Finality**|Property of a Blockchain network that determines how well the consensus mechanism can render new blocks immutable (permanent)|
+|**Consensus mechanism**|Method by which consensus is reached, which can vary drastically based on the protocol. Examples include Proof-of-Work, Proof-of-Stake, and Delegated Proof-of-Stake.|
+|**Proof-of-work**|Prime example where this mechanism is used is Bitcoin network. Where miners race to solve complex mathematical problems, adding new blocks and generating new coins to validate transactions. Miners consume large quantities of electricity to do this.|
+
+Table 4: Staking Glossary
+
+|**Term**|**Explanation**|
+|:-|:-|
+|**APY %**|Annual percentage yield|
+|**Ease of staking**|A metric considering the difficulty of set up to earn rewards via staking. Either explaining how hard is it to get your assets to start staking, how much is the minimum amount of tokens for staking and how much attention you have to bring staking.|
+|Easy:|Very fast setup, No fees and extremely small minimum stake, none or small lock period, fast payouts and very occasional attention to status.|
+|Moderate:|More hassle when setting up staking account, minimum stake required, lock up periods, payouts take longer or require unbonding, can require claiming rewards.|
+|Hard:|Abysmal user experience, high entry point, long lock-up periods, payouts after lock-up periods, payouts with long unbounding or claiming, expiration of rewards.|
+|**Native wallet**|Wallet developed by the team behind the blockchain project. First functionality of it is built exclusively around the native token. Provides highest amount of security for staking. Many native wallets are expanding beyond and depending on project development allow holding new assets through interoperability, testnet tokens or even top crypto coins.|
+|**Third party wallet**|Well known multi-asset wallets like Exodus or Atomic wallet that started to allow staking within their interface.|
+|**Exchange staking**|Locked staking on an exchange, there is some risk but can be profitable.|
+|**POS**|Consensus mechanism where all coin holders enter a lottery to add new blocks and receive new coins, weighted by the holdings within each address. Consumes far less electricity than PoW.|
+|**DPOS**|Consensus mechanism where Staking providers are voted in by coin holders are reponsible for maintaining the ledger, adding blocks, and generating new coins. Since DPoS is a form of democratic governance. The Staking providers share their proposals of how they will share rewards and help the network.|
+|**Staking pool**|Pooling funds together with other investors for staking is similar to the concept of pooling hashing power in mining pools.|
+|**Staking provider**|Ensures consensus on the network for providing staking rewardsGeneralized name for the terms: Delegate, Delegation services, Delegator, Generator, Producer, Baker, ValidatorSome networks can utilize 2 or more of these specific examples to differentiate roles if needed.|
+|**Staking hierarchy**|You are a Voter – You vote for Staking pool or Staking provider – Staking pool or provider are Node operators (validators) that confirm transactions on the blockchain network and that share the rewards with Voters|
+|**UIX / UX**|User interface experience, User Experience|
+|**Stake**|The number of coins or token that **participate** in staking.|
+|**Vote / Voting**|Transaction type that assigns your tokens to a Staking Provider and determines your Vote Weight. Most common cases. A small fee transaction to choose Staking provider that assumes all assets on the address you vote from as voting power (Flexible) OR Requires committing assets as Stake voting (Not Flexible)|
+|**Flexible Stake / Flexible Balance**|You only have to vote from your address to stake pool or a delegate and all assets on your address are assumed to participate in the voted pool. You can move your tokens anytime and proof-of-stake is calculated from minutes to hours.|
+|**Stake Voting / Stake Lock / Staked Balance**|Where one token represents one vote in the network. The total number of coins that have used the voting right to indicate preference for a Staking Provider. A vote where you commit an amount of tokens through a transaction to your staking pool (Quite often requires locking, bounding)|
+|**Vote Power / Vote Weight** |Quantifiable amount of influence that a voter could assign to Staking Provider. Determines your staking reward among other network-specific things based on the project you are supporting. In Flexible Stake it is usually all the assets you have on your address. In Staked Lock you usually chose how much vote power you have specifically.|
+|**Slashing**|A form of punishment for delegated in DPoS that are not working properly and are trying to game the system.|
+
+# 3. Native wallet vs 3rd-party wallet vs Exchange staking
+
+Native wallet summary was already included above in Chapter 1 and is the safest form of staking where you own your private keys. I advise to always make good research on how native wallet staking is available for the projects you research.
+
+Third party wallet staking is a good option if you find a reputable wallet. The choice of third party wallets are included in Chapter 4 project overview. In general: Exodus, Atomic, Huobi, Guarda
+
+Table 5:
+
+|**Project**|**Coin**|**3rd party wallet**|**APY %**|**Lock-up period**|**Pay-out**|
+|:-|:-|:-|:-|:-|:-|
+|**Cardano**|ADA|Yes\*|4 %|Yes and no|5 days|
+|**Algorand**|ALGO|Yes|6.2 %|Yes|After|
+|**ARK EcoSystem**|ARK|No|\-|\-|\-|
+|**Cosmos**|ATOM|Yes|10 %|Yes|Claiming with fees|
+|**Avalanche**|AVAX|No|\-|\-|\-|
+|**Kusama**|KSM|No|\-|\-|\-|
+|**Polkadot**|DOT|Yes|8 %|Yes|After|
+|**Icon**|ICX|Yes|10 %|Yes|After|
+|**Tezos**|XTZ|Yes|5.4 %|None|3 days|
+
+\*More wallets beyond Daedalus and IOHK
+
+​
+
+Exchange staking can be useful for some, but dreadful for others. Never forget, not your keys not your coins.
+
+Table 6:
+
+|**Project**|**Coin**|**Exchange staking**|
+|:-|:-|:-|
+|**Cardano**|ADA|Yes|
+|**Algorand**|ALGO|Yes|
+|**ARK EcoSystem**|ARK|Yes|
+|**Cosmos**|ATOM|Yes|
+|**Avalanche**|AVAX|Yes|
+|**Kusama**|KSM|Yes|
+|**Polkadot**|DOT|Yes|
+|**Icon**|ICX|Yes|
+|**Tezos**|XTZ|Yes|
+|Exchange specifics:|\-|\-|
+|**APY %**|Changes quite often on every exchange. Always check the current rate.|Can be sold out and therefore not available.|
+|**Lock up period**|Always happens on exchanges.|Typically: 14 days 30 days 60 days 90 days|
+|**Pay-out**|After unbonding||
+
+# 4. Project overview and useful links
+
+## Algorand (ALGO):
+
+Algorand is a decent staking project considering profitability and ease of stake. It is so easy that all you have to do is move your Algo to their wallet and you are staking. There is no lock-up period for receiving rewards. They are calculated to your address in a pending form just by being part of the network. To claim them however one needs to send or receive a transaction (even if it is a 0 Algo message over blockchain). Their main goal is to work with banking institutions.
+
+Website: [https://www.algorand.com/](https://www.algorand.com/)
+
+Reddit: [https://www.reddit.com/r/algorand/](https://www.reddit.com/r/algorand/)
+
+How to stake:
+
+[https://coinlist.co/stake/algorand](https://coinlist.co/stake/algorand)
+
+[https://www.algorand.com/resources/blog/rewards-technical-overview](https://www.algorand.com/resources/blog/rewards-technical-overview)
+
+Tech: [https://www.algorand.com/resources/white-papers](https://www.algorand.com/resources/white-papers)
+
+Upcoming tech: [https://messari.io/asset/algorand/profile](https://messari.io/asset/algorand/profile)
+
+## ARK Ecosystem (ARK):
+
+Very nice profitability and extremely easy to stake in native wallet. Requires only to download their easy-to-use native ARK wallet and vote for a Staking Provider (delegate). The wallet has downloadable plugin for rewards calculation to help chose a delegate based on your voting power.
+
+Ark staking is risk-free. Your assets are never committed or locked and rewards are calculated and paid out daily. So you can see your balance rising everyday and the daily rewards are calculated towards your new staking reward the next day.
+
+ARK has been one of the pioneers in blockchain interoperability solutions since 2017. The team behind ARK has been delivering everything on their yearly roadmaps and has some amazing products lined up for Q1 of 2021. They are very active in development ([https://twitter.com/ProofofGitHub](https://twitter.com/ProofofGitHub))
+
+Website: [https://Ark.io](https://ark.io/)
+
+Reddit: [https://www.reddit.com/r/ArkEcosystem/](https://www.reddit.com/r/ArkEcosystem/)
+
+How to stake:
+
+[https://ark.dev/docs/desktop-wallet/user-guides/installation](https://ark.dev/docs/desktop-wallet/user-guides/installation)
+
+[https://ark.dev/docs/desktop-wallet/user-guides/how-to-vote-unvote](https://ark.dev/docs/desktop-wallet/user-guides/how-to-vote-unvote)
+
+[https://arkdelegates.live/delegates](https://arkdelegates.live/delegates) \- for DPoS proposals
+
+[https://ark.dev/docs/desktop-wallet/introduction-to-ark-rewards](https://ark.dev/docs/desktop-wallet/introduction-to-ark-rewards)
+
+Tech:
+
+[https://ark.dev/](https://ark.dev/)
+
+[https://ark.io/Whitepaper.pdf](https://ark.io/Whitepaper.pdf)
+
+Upcoming tech: [https://ark.io/roadmap](https://ark.io/roadmap)
+
+## Avalanche (AVAX):
+
+Fairly new project that had main-net launch in Q4 of 2020. As usual around main-net launches the price rocketed and is now consolidating. The staking rewards are decent for AVAX, however, setting up staking accounts is a bit more tricky for beginners. There is a variable lock-up period that the user can freely choose from and rewards are received after this period. They have yet to prove what they promised in whitepapers, but the ambitions are interesting.
+
+Their main net is pretty interesting though: [https://www.avalabs.org/why-avalanche](https://www.avalabs.org/why-avalanche)
+
+Website: [https://www.avalabs.org/](https://www.avalabs.org/)
+
+Reddit: [https://www.reddit.com/r/Avax/](https://www.reddit.com/r/Avax/)
+
+How to stake:
+
+[https://medium.com/avalancheavax/staking-avax-by-validating-or-delegating-with-the-avalanche-wallet-f4d9adc182a6](https://medium.com/avalancheavax/staking-avax-by-validating-or-delegating-with-the-avalanche-wallet-f4d9adc182a6)
+
+[https://docs.avax.network/learn/platform-overview/staking](https://docs.avax.network/learn/platform-overview/staking)
+
+[https://docs.avax.network/build/tutorials/nodes-and-staking/staking-avax-by-validating-or-delegating-with-the-avalanche-wallet](https://docs.avax.network/build/tutorials/nodes-and-staking/staking-avax-by-validating-or-delegating-with-the-avalanche-wallet)
+
+Upcoming tech:
+
+[https://www.avalabs.org/whitepapers](https://www.avalabs.org/whitepapers)
+
+## Cardano (ADA):
+
+Also a project from 2017 that probably will have the biggest recognition on this list. They never failed to deliver what they promised and should be considered one of the most solid projects in this list.
+
+Their might have one of the lesser staking profitability on this list but they make up for it with the great ease of staking. Rewards are paid out automatically every 20 days and the assets of the addresses are never locked. Calculations are done daily so it considers your transaction history during the 20 days. Therefore it is risk free. Their “native” wallets Daedalus and Yoroi are easy-to-use.
+
+Some great news are coming from Cardano in the upcoming months so be sure to have them on your watch list. They recently hard-forked to allow more interoperability with chained tokens. They are also very active in development ([https://twitter.com/ProofofGitHub](https://twitter.com/ProofofGitHub)). They are a Top 3 crypto project for a reason.
+
+Website: [https://cardano.org/](https://cardano.org/)
+
+Reddit:
+
+How to stake:
+
+[https://www.youtube.com/watch?v=OUZKSS\_cJIE&ab\_channel=IOHK](https://www.youtube.com/watch?v=OUZKSS_cJIE&ab_channel=IOHK)
+
+[https://www.youtube.com/watch?v=DCMX1wFgrJY&ab\_channel=IOHK](https://www.youtube.com/watch?v=DCMX1wFgrJY&ab_channel=IOHK)
+
+[https://medium.com/cardanorss/staking-for-beginners-a-step-by-step-guide-6dda110b2454](https://medium.com/cardanorss/staking-for-beginners-a-step-by-step-guide-6dda110b2454)
+
+Tech:
+
+[https://cardano.org/discover-cardano](https://cardano.org/discover-cardano)
+
+[https://why.cardano.org/](https://why.cardano.org/)
+
+Upcoming tech: [https://roadmap.cardano.org/en/](https://roadmap.cardano.org/en/)
+
+## Cosmos (ATOM):
+
+Cosmos has generous profitability and decent ease of staking. The coin can be staked in many wallets due to integration of their SDK in them in order to vote for Staking Pools. The only tricky part is the fact that you have to claim your rewards with a fee to the network.
+
+Cosmos launched in Q1 of 2019 and they just recently finished their first whitepaper and launched their new road map of Stargate. This proves that they can deliver what they promise. They are also very active in development ([https://twitter.com/ProofofGitHub](https://twitter.com/ProofofGitHub))
+
+Website: [https://cosmos.network/](https://cosmos.network/)
+
+Reddit: [https://www.reddit.com/r/cardano/](https://www.reddit.com/r/cardano/)
+
+How to stake (3rd-party tutorials):
+
+[https://blog.chorus.one/top-cosmos-wallets/](https://blog.chorus.one/top-cosmos-wallets/)
+
+[https://medium.com/everstake/how-to-stake-cosmos-atom-via-the-cosmostation-mobile-wallet-1feeff03b6b3](https://medium.com/everstake/how-to-stake-cosmos-atom-via-the-cosmostation-mobile-wallet-1feeff03b6b3)
+
+[https://atomicwallet.io/cosmos-atom-staking](https://atomicwallet.io/cosmos-atom-staking)
+
+[https://support.exodus.com/article/1403-cosmos-staking-faq#:\~:text=First%2C%20open%20your%20Cosmos%20wallet,on%20the%20button%20Stake%20Cosmos.](https://support.exodus.com/article/1403-cosmos-staking-faq#:~:text=First%2C%20open%20your%20Cosmos%20wallet,on%20the%20button%20Stake%20Cosmos.)
+
+Tech:
+
+[https://cosmos.network/cosmos-whitepaper.pdf](https://cosmos.network/cosmos-whitepaper.pdf)
+
+[https://www.coindesk.com/cosmos-upgrades-to-stargate-another-2017-ico-very-nearly-completes-its-vision](https://www.coindesk.com/cosmos-upgrades-to-stargate-another-2017-ico-very-nearly-completes-its-vision)
+
+Upcoming Tech: [https://stargate.cosmos.network/](https://stargate.cosmos.network/)
+
+## Icon (ICX)
+
+This Korean based blockchain that started of as an ERC20 has very genours profitability and moderate ease of stake. They are deeply embedded in Korean strategic partnerships and seem to be delivering on their roadmap.
+
+They separated from ERC20 base to their on blockchain during 2018. They are now one of the most profitable staking projects.
+
+Website: [https://icon.foundation/?lang=en](https://icon.foundation/?lang=en)
+
+Reddit:
+
+How to stake:
+
+[https://medium.com/everstake/detailed-guide-to-icon-icx-staking-and-voting-how-things-do-exactly-work-d650e75f5ab9](https://medium.com/everstake/detailed-guide-to-icon-icx-staking-and-voting-how-things-do-exactly-work-d650e75f5ab9)
+
+[https://stakedtech.medium.com/icon-icx-a-complete-guide-for-staking-on-icon-network-using-ledger-nano-aa1f45257133](https://stakedtech.medium.com/icon-icx-a-complete-guide-for-staking-on-icon-network-using-ledger-nano-aa1f45257133)
+
+Tech: [https://icon.foundation/resources/whitepaper/ICON\_Whitepaper\_EN.pdf](https://icon.foundation/resources/whitepaper/ICON_Whitepaper_EN.pdf)
+
+Upcoming tech: [https://medium.com/helloiconworld/icon-development-roadmap-update-february-2021-3b5897957094](https://medium.com/helloiconworld/icon-development-roadmap-update-february-2021-3b5897957094)
+
+## Kusama and Polkadot (KSM and DOT)
+
+Kusama is a canary network of polkadot and works on the same principles so I put these together. Both have one of the most profitable stake value in their native wallets and exchange staking. However, the ease of staking in their native wallets is pretty hard for beginners. This coupled with lock up periods and claiming rewards and their possible expiration does not create a good user experience. One could compare that the profitability makes up for that but having it on your mind all the time is a negative experience.
+
+However, they are backed by huge VC and have very ambitious tech lined up. They have yet to prove what they are capable of.
+
+Website: [https://kusama.network/](https://kusama.network/)
+
+[https://polkadot.network/](https://polkadot.network/)
+
+Reddit:
+
+[https://www.reddit.com/r/Kusama/](https://www.reddit.com/r/Kusama/)
+
+[https://www.reddit.com/r/dot/](https://www.reddit.com/r/dot/)
+
+How to stake:
+
+[https://medium.com/stakin/how-to-stake-kusama-ksm-4529a48bb4e8](https://medium.com/stakin/how-to-stake-kusama-ksm-4529a48bb4e8)
+
+[https://support.polkadot.network/support/solutions/articles/65000168057-how-do-i-stake-nominate-on-polkadot-](https://support.polkadot.network/support/solutions/articles/65000168057-how-do-i-stake-nominate-on-polkadot-)
+
+Tech: [https://whitepaper.io/document/596/polkadot-whitepaper](https://whitepaper.io/document/596/polkadot-whitepaper)
+
+## Tezos (XTZ)
+
+Tezos has an acceptable profitability and moderate ease of staking. There are is an confirmation period of 14-20 days where you commit your adress to a baker and when your assets are confirmed by the network the pay outs roll in every 3 days. You are free to use them and get pay outs very regularly. They are a liquid network so you will have to vote for Staking providers. 
+
+You vote simply by delegating funds to a baker they agree with while bakers(validators) actually cast a vote during the on chain governance process.
+
+Tezos uses a variation of a Proof-of-Stake system that differs slightly from established models in that block producers are not selected by token holders and anyone can participate as a baker (validator) if they hold a specified amount of tokens. Token holders that do not meet the minimum threshold can delegate their tokens to a baker without needing to relinquish control of their tokens.
+
+Website: [https://tezos.com/](https://tezos.com/)
+
+Reddit: [https://www.reddit.com/r/tezos/](https://www.reddit.com/r/tezos/)
+
+How to stake (3rd party only):
+
+[https://baking-bad.org/docs/tezos-staking-for-beginners/](https://baking-bad.org/docs/tezos-staking-for-beginners/)
+
+[https://support.exodus.com/article/1300-tezos-staking-faq](https://support.exodus.com/article/1300-tezos-staking-faq)
+
+[https://atomicwallet.io/tezos-staking](https://atomicwallet.io/tezos-staking)
+
+Tech: [https://tezos.com/static/white\_paper-2dc8c02267a8fb86bd67a108199441bf.pdf](https://tezos.com/static/white_paper-2dc8c02267a8fb86bd67a108199441bf.pdf)
+
+[https://tezos.com/static/position\_paper-841a0a56b573afb28da16f6650152fb4.pdf](https://tezos.com/static/position_paper-841a0a56b573afb28da16f6650152fb4.pdf)
+
+Upcoming tech: [https://messari.io/asset/tezos/profile](https://messari.io/asset/tezos/profile)
+
+​
+
+# 5. Sources and conflict of interest
+
+**Sources**
+
+[**https://coinmarketcap.com/alexandria/glossary**](https://coinmarketcap.com/alexandria/glossary)
+
+[**https://ark.dev/docs/glossary/glossary**](https://ark.dev/docs/glossary/glossary)
+
+[**https://www.stakingrewards.com/**](https://www.stakingrewards.com/)
+
+[**https://cointostake.com**](https://cointostake.com/)
+
+[**https://coinmarketexpert.com/**](https://coinmarketexpert.com/)
+
+**Subreddits of these projects**
+
+**Websites and whitepapers of every project**
+
+**Conflict of interest**
+
+I am an active member of communities in following  projects: ARK, ADA, DOT, ATOM.
+
+I stake these coins: ARK (last 2.5 years), ICX (recently)
+
+I own some Polkadot but do not stake it.
+I am almost a licensed agent in Delaware currently finishing up with the classes. Tonight we were discussing how many agents will create an LLC to deposit their commissions into so as not to commingle any funds. I understood that concept but then got to thinking about whether or not I would need to set up a separate LLC (for RE investing) apart from the one I would deposit my commissions into? Or am I thinking too hard about all this LLC talk?
+This infographic popped up in my feed today. While certainly interesting in its own right I believe it also serves as a warning to generic questions on the Internet. When you ask for advice on how to accomplish (insert task here) in State X the regulations may be different from someone who operates in State Y.  This is why it is important to do your own due diligence and to develop local resources.
+
+https://www.rentcafe.com/blog/renting/states-best-worst-laws-renters/
+This just seems so much higher than I anticipated. Almost $7000 for a $113k loan. 😳😑🤬
+
+Here’s a link to a screenshot of the CLOSING statement, after we’ve already gone back and forth. 
+
+https://imgur.com/gallery/1kIQRuk
+
+What can I do about this?? Do I have to walk away? It’s been about 6weeks of back and forth. So frustrating.
+The p/e ratio of the s&p 500 is at a high since 2008. It peaked a few months ago, but I think it is still far to high. A P/E ratio is the ratio of market capitalization to profits. This indicates the average dollar in the stock market only turns a 3.3% profit on the books of companies. Obviously speculation is part of the stock market so one would expect a price to earnings ratio of greater than 12.5 or 8% yearly returns, however, there seems to be too much speculation. I don't think companies are going to become    profitable enough to warrant such a high level of speculation. There is definitely a bubble in many tech stocks in my opinion Tesla being the most extreme example in my opinion has a p/e of 365 and a market cap of nearly 700 billion meaning that they are not only a massive company, but also most likely wildly over valued. The feds ability to do market intervention is declining by the day due to the use of qe and near 0 interest rates. I am concerned about this bubble popping causing a significant loss in confidence which the fed would have a limited ability to react against. Thoughts?
+Anyone start a Roth IRA for their children and how do you ensure generational wealth but not have your children become lazy trust fund babies. I don’t want to lie to them but also want to give age appropriate information and challenges. NW $14M thanks. I really want to get to $20M before retiring. Cali life ain’t cheap.
+Do you guys think I should contribute more than 6% then? I haven’t learned much about retirement accounts and this is my first job that offers this benefit so I want to make the best decision. Also, I’m saving up to buy a house right now so I’m torn between putting a lot of money in the 401k or saving cash for down payment. How bad do I need this house? I would say pretty badly. We have a baby on the way and rent in our city is going up tons.
+
+Edit: since this post, I’ve learned my vesting schedule is 100% after 1 year. I’m halfway there. 
+
+Also, thanks to everyone who have replied. I’ve since learned this is a good deal and to always contribute to the max for free money. I also want to add my job does have crappy health insurance so it’s not all good over here!
+Does anyone feel like the Canadian equities market is so poor in diversity? Its mainly financial services, energy, and telecoms. Everything else is extraction of natural resources. My portfolio already consists of 60% banks and 20% Enbridge, and I want to diversify my Canadian holdings, but there feels as though there is no additional industry to diversify into.
+Is investing in foreign equites markets really the only way?
+it's all in the title. do you think this will be the catalyst for the economy to start slowly rebuilding itself?
+
+​
+
+[https://www.cnn.com/2020/04/16/politics/read-guidelines-for-opening-america/index.html](https://www.cnn.com/2020/04/16/politics/read-guidelines-for-opening-america/index.html)
+Like the title suggests I'm trying to figure out why this sub is on average quite bearish on asset prices (securities or real). Don't get me wrong I'm quite negative on the real economy and my medium term outlook on employment or corporate reinvestment isn't too crash hot. However I'm struggling to understand the bearishness on asset values in an environment of rates heading even more south, synchronous global stimulus, non existent IRR hurdles by institutional capital, and close to zero debt servicing costs.
+
+I for one cannot see a circuit breaker for what ends the party given stimulus has now gone synchronous globally. What blew up countries like Argentina in the past was that reckless financial management was punished by capital flight (lower FX) and subsequent higher input costs such as fuel leading to runaway inflation. However now that this recklessness has gone global I don't see how the historical correction mechanism of capital flight comes into effect.
+
+I guess one thing that could cause this to unravel is if global capital are horrified at the fiscal irresponsibility of governments and goes on strike by effectively parking everything into cash. However seeing the capital allocations of sovereign funds and pension pools it shows anything but that. Hurdle rates continue to be compressed as benchmark rates reaches close to zero. The debt capital markets are also conducive with recently structurally shitty companies able to raise 60 year bonds at all in costs of 4% with all indications this figure will keep on creeping down. There is a reason why we don't see the hedge funds that made headlines by balking at valuations and parking their holdings into cash writing followup victory pieces.
+
+With hardly any debt servicing stress (negligible interest and long maturity dates making refinancing crunches more unlikely), liquidity getting pumped hard across the board, and discount rates/hurdle rates continue to get compressed - what do you guys see bringing this to a halt?
+I know most of you maybe be aware of this already but sadly i have some friends who believe their $100-200 dollar investments will make them future millionaires when realistically that probably won't happen. Were all going to make money but unfortunately you have to have money already to make those huge bags. Even if ethereum were to hit 5k or 10k by the end of this year, if you only invested $100-200 you won't be seeing a lambo or even a new car. It makes me sad but its the kinda truth when people say you have to have money to make money. Regardless I'm still going to keep investing and whatver i make im still going to make be happy about.
+A lot of jobs in my field offer RSUs. I'd personally rather have the cash. The consensus seems to be that I'm nuts and it's better to get the stock. However, RSUs are counted as part of your regular income, so you don't get around taxes by diverting salary to the stock. While the stock could gain, in an erratic market, it's also just as likely the stock will lose significant value. I'm  uncomfortable having a large portion of my income in a single company's stock, and I'm having trouble understanding why this is better than cash. Would it be smartto dump the stock as soon as possible and put it into something lower risk like an index fund?
+# 30-day challenges
+
+We are pleased to announce that we're continuing our 30-day challenge series. The schedule spans the entire year so be sure to keep an eye out each month.
+
+This month's 30-day challenge is to **get on top of your credit.** Here are some concrete steps you can take:
+
+# Check your free credit report
+
+There are three major credit bureaus in the US: Equifax, Experian, and TransUnion. These companies each gather credit histories for individuals and sell that information to credit card companies, lenders, and other financial institutions.
+
+You can go to https://www.annualcreditreport.com to get a credit report from each credit bureau once per year. It's often recommended to stagger your requests so you can get one every four months so you may only want to request one report at this time. You can use a calendar reminder to stay on top of this.
+
+Now, your free credit report won't include your score and it also won't include credit monitoring, but you absolutely don't need to buy those from a credit bureau because there are free options. See below.
+
+Note that the security questions will sometimes ask about intentionally false information (e.g. made-up loans), so "none of the above" may be the right answer. If you can't get past the security questions, you may have to write in to get your report. Also be aware that you don't have to pay for anything on the credit bureau sites. If you find yourself prompted for a credit card number, you might have clicked to sign up for something you might not need or want.
+
+Also, if you have trouble with the web site, try temporarily disabling browser ad-blockers and privacy extensions.
+
+See the [Credit Reports Wiki](http://www.reddit.com/r/personalfinance/wiki/credit_reports) for more information!
+
+# Sign up for free credit monitoring
+
+You don't need to pay for credit monitoring. Some options:
+
+* A variety of companies such as [Credit Karma](https://www.creditkarma.com/) and [Mint](https://www.mint.com/) offer free credit monitoring services. [There's a longer list of options in our Wiki.](https://www.reddit.com/r/personalfinance/wiki/fico#wiki_how_can_i_get_my_fico_score_or_a_score_estimate_for_free.3F)
+
+* Many employers also offer free credit monitoring for their employees directly with a credit bureau. Check with your benefits department.
+
+* Finally, if you've been the victim of a data breach like Target or Anthem, those companies are providing free credit monitoring for anyone potentially affected.
+
+After exploring your options, sign up with at least one of them. More information contained in the [Credit Scoring Wiki](http://www.reddit.com/r/personalfinance/wiki/fico).
+
+# Find out your credit score
+
+You can now [get your FICO score for free from Discover](https://www.creditscorecard.com/) without a credit card.
+
+In addition, a number of credit cards actually give you a free FICO score as a benefit of having their card. Brands providing FICO scores include Discover, Citi (branded cards only), American Express, Bank of America, and Barclaycard. [Here's a full list of options.](https://www.reddit.com/r/personalfinance/wiki/fico#wiki_how_can_i_get_my_fico_score_or_a_score_estimate_for_free.3F)
+
+In addition, you can get your VantageScore from [Credit Karma](https://www.creditkarma.com/) or [Mint](https://www.mint.com/). VantageScore is used less often by creditors than FICO, but it's a *usually* a good estimate of your FICO score. Paying for your credit score is silly unless you're considering getting a major loan like a mortgage.
+
+# Get rid of pre-approved credit card junk mail
+
+[OptOutPrescreen.Com](https://www.optoutprescreen.com/) is the official consumer credit card reporting website to opt-out of offers of credit or insurance. It's an easy win to reduce junk mail and reduce the risk of identity theft (from someone stealing your mail). I recommend signing up unless you're in the process of building credit and actually want to receive pre-approved offers.
+
+# Are you looking to improve your credit?
+
+Once you have a score over 740, most credit files are solid enough to qualify for prime rate lending. This means that any additional increase of your score will likely not get you better credit products.
+
+If you are in a position where you'd like to improve your credit, here are two situations that often befall people when asking for help here:
+
+* ["I have no credit, and I am looking to get started."](http://www.reddit.com/r/personalfinance/wiki/credit_building#wiki_i_have_no_credit.2C_and_i_am_looking_to_get_started.)
+* ["I have bad credit, and I am looking to repair it."](http://www.reddit.com/r/personalfinance/wiki/credit_building#wiki_i_have_bad_credit.2C_and_i_am_looking_to_repair_it.)
+
+# What to do if you find information you don't recognize
+
+Even though credit reporting is automated, mistakes can still occur. The most common errors can involve names and addresses. If your name is similar to a parent's name, there are also instances where a line of credit is reported on the wrong file.
+
+The simplest course of action is to dispute the information with the bureaus. Here are direct links to initiate a dispute:
+
+* [Equifax](https://experian.referral.equifax.com/CreditInvestigation/home.action)
+* [Experian](http://www.experian.com/disputes/main.html)
+* [TransUnion](https://onlinedispute.transunion.com/disputewizard/)
+
+Finally, if you believe you've had your identity stolen, read and follow the steps in our **[Identity Theft Wiki](https://www.reddit.com/r/personalfinance/wiki/identity_theft)**.
+
+# If you're not in the United States
+
+[The PF wiki has many more countries covered.](https://www.reddit.com/r/personalfinance/wiki/credit_reports#wiki_what_if_i.27m_not_in_the_united_states.3F) If you would like to add information for your country to the wiki, please message the moderation team.
+
+# Challenge success criteria
+
+You've successfully completed this challenge once you've done 3 or more of the following things:
+
+* Requested a free credit report via annualcreditreport.com
+* Set a reminder to request a different credit report in 4 months
+* Found out your credit score (either FICO or VantageScore)
+* Signed up for free credit monitoring
+* Opted out of pre-screened offers
+* Initiated a credit dispute with one or more credit bureaus
+
+If you're outside of the US, you've successfully completed this challenge once you've done the following things:
+
+* Read up on whether there is a credit scoring system in your country and find out how it works (see the previous section and also try searching the internet).
+* If it exists, find out how you can get information about your own report or score or whatever it's called, get that information if possible, and check it for accuracy.
+* If there are items on there that you can try to fix, start doing so. For example: pay down debts, talk to the credit reporting agency about inaccurate items, etc.
+Hi all! /u/unloud here... coming to you with the latest FUD/misinformation weather update.
+
+With Ryan Cohen's latest buy in, it seems comments and posts across the Internet by malicious actors have shifted from "Ryan Cohen doesn't care about GME anymore" to "People are taking profits!"
+
+It's been a while, but many of you may not know from last year: Shills will try to give the impression that APEs are selling in order to weaken the resolve of other apes, and then further roll their obligations to pay their shorts into derivatives.
+
+Please be aware of the narrative shift, even when it seems positive. How many of you started this wanting to sell at $150? None? Then, likely, few are selling.... 
+
+If enough people believe the narrative and choose to sell "just a couple of shares" before HFs have to cover on margin... then the spreads will narrow and the price will not continue to climb past their margin limits.
+
+I've been holding since Jan2021. **I'm up at least 300% since last June, and haven't sold a share**. I've bought from prices starting near $250 and ranging from $40-250. I'm not selling, because I believe in more than a penny from these duplicitous bastards....and I love this company, and (most of) my co-owners.
+
+Many of us said last year that we would be on guard for this type of narrative shift once price action started moving. I'm heading that call, and I'm asking you to also. I don't trust this narrative shift, and I think all should view it with skeptical eyes...
+
+Thanks for reading.
+Throwaway for obvious reasons.
+
+I signed on buying my first home recently. Close date is set for a few weeks from now. It's NOT in a gated community, and it's a large home for a single person such as myself. I live in a MCOL city. I try not to flaunt my financial position, but through my business, which is very public facing, it's not difficult for people to figure out my business does well.
+
+I'm not a "public figure", but I do have a growing YouTube channel (>1M subscribers) as part of my business. I've heard horror stories of other content creators have "fans" show up at their house. Like this one: [https://nymag.com/intelligencer/2018/02/armed-fan-killed-after-breaking-into-youtube-couples-house.html](https://nymag.com/intelligencer/2018/02/armed-fan-killed-after-breaking-into-youtube-couples-house.html)
+
+My question to the fatFIRE community - are there ways I can minimize exposure? I have been using a virtual mailing box for everything business related, but I understand people can still look up my home address through public registry, particularly when purchasing a home (versus renting). 
+
+Am I being too paranoid? Are there steps I can take such that it's much more difficult for anyone to figure out my home address?
+Not sure if it’s the right thread but here’s my situation: I work for an internet company and have the option to either move to London or Berlin. 
+
+Since I don’t know much about both cities, I’m looking for people having done such a move and what are their pros/cons, what they like/miss about London or Berlin
+
+About myself: 29yo, male, single, into sports and culture, love good coffee, wandering around and going out occasionally.
+23 years old, living in Ireland with a relatively small amount to invest (4-figures). 
+
+Currently have a DEGIRO account but cannot seem to find any total market index funds or bond index funds on that platform only ETF's which I've been advised to stay away from (by friends in the industry and numerous books). 
+
+Is it possible to invest in index funds in Europe and if so how do I do it? Anyone have any comments on the advice I received regarding ETF's?
+
+Thanks in advance 
+I'm moving back to Malta again and there's no way on earth I'm opening a bank account there *sata bank cough* so now I'm trying to choose a virtual bank where my salary will end up on and use as a daily bank.
+
+Revolut is very popular but seems to have issues with locking people's accounts on ridiculous grounds.
+
+ Monese is also recommended but seems very basic compared to revolut and their upgraded accounts costs more.
+
+What else is there out there that you can trust as your main bank account? My bank account from the country I live in is a no go.
+Hi
+
+I am looking to buy my first car, my preference is to get a used car maybe 2-3 years old. However, while checking out some new cars (no harm in looking i guess) I notice this form of financing available, and i do not understand whats the real catch.
+
+​
+
+So the car I looked was a Corolla 2020, the list price is around 28k EURs. They offer two forms of financing:
+
+1. **Classic financing**: Say a downpayment of say 8000 EUR, monthly payment of around 570 EURs for 36 months with an interest rate of 2%. The total money paid is 28520 EURs.
+2. **Residual Financing**: Downpayment of 8000 EUR, Monthly payment of 175 EUR, and final installment of 12680 EUR. The interest rate is 0%, and 3 years service is free. The total amount paid out is 26980 EUR (there is extra rebate on this form of finance so the number is lower).
+
+​
+
+Now I understand that **#2** is a form of leasing because they ask about annual usage, but considering if annual usage is the same for a user regardless of financing style, does it not make sense to pick option 2? Total outlay is the almost same (assuming no extra rabatt). 
+
+​
+
+Moreover, will it not be even sensible to save on monthly payments (175 vs 570), and say invest 300-400 EURs of the saved amount into an ETF, withdraw that at the end of 36 months to pay for the final installment?
+
+​
+
+Feel free to correct me, this is all very new to me and maybe i missed something essential which complete changes the interpretation.
+“The economy is strong”… no it isn’t, your money printer is strong.  Someone asked “what do you plan to do about the rising inflation for individuals dealing with prices everyday?” He goes “I’m old enough to know about high inflation and we will fix it”. He should have said, “Well I don’t have that problem of worrying about the price of things because I make a lot of money, So I don’t give a fuck!”. Fuck this guy, our economy is full of shit. HODL UNTIL THIS SHIT GETS FIXED🚀
+I have a theory that the same subprime lending practices that essentially cause the 2008 crash are still happening, although now it’s with new and used cars rather than houses.
+
+The prices of new and used cars has been skyrocketing, far outpacing inflation.  I myself bought a new/used car recently and was shocked at the lack of DD that went into if I was qualified.  Literally it was a credit check and that was it.  No income or asset verification at all.
+
+How is this possible with a liability like a car which literally drops AT LEAST 20% the second you drive off the lot?
+
+I would love to dig into these loans to see who owns/holds them and the historical, current, and trending default rates.
+
+I have dug around a little bit but not been able to pin this information down.  
+
+Does anyone know how to track this down?  What are your thoughts on the auto loan industry?  Do my thoughts make sense or am I grasping at straws?
+I've been thinking a lot about [this video by John Green](https://www.youtube.com/watch?v=G6egT4fddFc). I think the idea of recognizing when you have enough and being content with that is well trodden, but he covers some really interesting thoughts about the ways that wealth can insulate you from suffering to the point that you stop paying attention to it and that this a net loss for you and for the world. Essentially, enough is too much if you're so comfortable that you can no longer relate to the rest of the world and you stop trying to make it a better place. I don't think this gets covered often enough.
+
+It's also been resonating a lot with my personal life. I grew up poor but by no means destitute, in a large family and on a single parent's income due to divorce for much of my childhood. I was shocked when I went off to a private college and saw the way that richer families lived and spent their money, and took it all for granted. It would never occur to friends that I couldn't do all the social activities with them because I absolutely had to work while studying to supplement the financial aid and already substantial loans I was taking out, even after I had told them repeatedly.  My upbringing was by no means perfect, but it kept me grounded and aware of the huge disparities in society.
+
+Since then, I launched a career as a software developer, paid off my loans, discovered FIRE, and saved up half a million dollars. I have built up security and comfort and I am building towards a future where I don't have to work. I'm on the other side of that divide. I made it. My life is not precarious, and in a lot of ways it is easy and my future as assured as it can be. I am well past the point of CoastFI. 
+
+In the meantime, my family has stayed more or less where they were, or become worse off as they aged and grew their families, and this has become obvious as I visited over Thanksgiving. Two of my older siblings live together and, due to a nasty divorce in progress, are primarily responsible for taking care of a three year old and an eight year old, while both working full time. They are exhausted and haven't had time to deal with anything besides just staying afloat in months, despite lots of help from grandparents, who are also working and struggling in their own ways, and I do not think their retirement is at all assured. Another sibling could barely afford to visit, and only for a short time. Another could not afford the time off to visit at all. I don't know exactly how badly off they are at this point, but with unemployment benefits back down to pre-pandemic levels, I can only assume they are headed back down to just barely getting by, if they are not already there. Their lives are distinctly difficult and precarious, and they have very few options to improve them because they are so busy just treading water. 
+
+I have spent the last few years dealing with my own problems of burnout, exacerbated by the pandemic, but it pales in comparison to what my family is facing every day, and it's far too easy to forget that. Even while I have struggled, I have been working steadily towards my goals, and I have options available. My security and wealth have given me the ability to turn away from the struggles of people I care about, and the pandemic keeping me from visiting while worsening their struggles have made this almost the default. I have to work to make sure I see what is happening. I have made it, but I'm realizing I have, to some extent, left my family behind in the process. I'm not a multimillionaire like John Green is; at this point I can't afford to make sure my siblings and parents are taken care of, and I don't really plan to work long enough to get to that point, even if I could, and it would be too late to make the biggest impact. I have young nieces/nephews and aging parents who are struggling now. 
+
+Seeing this contrast first hand has affected me deeply. I spent hundreds of dollars and days of manual labor during my visit just taking care of things around the house for the siblings taking care of the kids. I have helped them clean up their place, change the locks, get a new ish couch that doesn't permanently smell like cat pee, clear out the ex's junk that they never picked up, fix their internet and broken doors and holes in the walls, and watching kids so they can have a bit of relaxation time. There is much more that could be done given time and money to throw at the problems. 
+
+I don't know yet what the long term implications of realizing how much this contrast has grown are yet. I will weigh it as one of the many factors in determining where my partner and I settle down. I want to be around to give some of my time and money to help improve their lives. I will need to make a point to be more attentive to how they are doing and visit more often, and leave time to help when I can. I'm still digesting what this all means, but this video and my recent experience have shifted my perspective on where I want to end up. I want to intentionally distance myself less from the kinds of suffering I can insulate myself from, and use my security and wealth to try to address some of that suffering. I was already giving to charity, but I don't think that's enough when there's suffering so close to me and I am getting to the point where I have the time and energy and money to make a difference.
+ $ORN - A HUGE PROJECT WITH MASSIVE POTENTIAL AND OF COURSE GAINS! 
+
+[https://www.orionprotocol.io/](https://www.orionprotocol.io/)
+
+**So what is Orion Protocol?**
+
+Orion Terminal is the first gateway to the entire crypto market: aggregating every **CEX**, **DEX**, and **swap pool** into one decentralized platform. 
+
+​
+
+**ELI5?**
+
+You know the different exchanges you currently use to buy your crypto's on and the effort of switching apps to invest or sell what you want and constantly looking at which platform you can buy your coin on or where you can buy it for the best fees.
+
+Now imagine a place where everything could be integrated as one and you can view multiple exchanges with your holdings in one place.
+
+That is what Orion Protocol is doing right now with their Main Net due to come out any time soon within Q1. They have a great user friendly design, are working with multiple exchanges including big names such as KuCoin, MXC & Bit Max. You also get access to other huge exchanges like Binance as well. 
+
+​
+
+**So what are the benefits of being able to do this?**
+
+**Arbitrage Opportunities** 
+
+**Orion Terminal** always searches for the best prices on the market, allowing you to carry out arbitrage opportunities without the need for accounts on multiple exchanges. 
+
+[Proof of someone doing it on the Test Net](https://twitter.com/cryptokapano/status/1344404891247255552?s=21) 
+​
+
+**Viewing your Portfolio in one place**
+
+I'm sure everyone here has the problem having their coins in multiple places as some exchanges may not list the coin you want. With **Orion** you will be able to view your whole portfolio in a very efficient way and also enabling to you to do technical analysis very easily.
+
+Just check out the design on the website.
+
+​
+
+**Multiple Revenue Streams from Holding $ORN - Scroll down on the page linked below and you will see the 16 different ways you'll be gaining $ORN**
+
+[https://www.orionprotocol.io/orn](https://www.orionprotocol.io/orn)
+
+​
+
+**Why I think it is a Gem?**
+
+* Main Net coming out in Q1
+* Big Partners are affiliated with this project
+* Multiple Streams of Revenue & more being added
+* Ranked too low on CMC compared to all the other "Shit Coins" that are ranked above it
+* There is literally no other project that comes close to what the team at Orion are doing
+* A low Market Cap Coin compared to what they are trying to achieve (Some of you may say $189M Market Cap is high, but compared to what they are trying to achieve, I believe its significantly undervalued)
+* You don’t need to have an account an any of the exchanges and can still trade coins. 
+* Partnerships with already established and also upcoming projects in the crypto space e.g. KuCoin, BitMax, Bot Ocean, Nord Finance and many more
+* The User Interface is just 😍, like look at the screenshots they have and compare it with the Binance. You can immediately tell how much effort has been put into this in design. 
+
+​
+
+**Links:**
+
+[**https://elrond.com/**](https://elrond.com/)
+
+[**https://blog.orionprotocol.io/**](https://blog.orionprotocol.io/)
+
+[**https://twitter.com/orion\_protocol**](https://twitter.com/orion_protocol)
+
+[**https://coinmarketcap.com/currencies/orion-protocol/**](https://coinmarketcap.com/currencies/orion-protocol/)
+
+https://t.me/orionprotocol
+
+https://nordfinance.io
+
+https://botocean.com
+
+​
+
+**Exchanges:**
+
+Binance
+
+KuCoin
+
+BitMax
+
+UniSwap
+
+​
+
+Note: I am not a Financial Advisor so please DYOR and don't take this as financial information.
+
+CLICK LINK BELOW TO REGISTER INTEREST FOR EARLY ACCESS TO ORION TERMINAL
+
+https://orionprotocol.io/launch?OP=8999451/
+
+[CLICK HERE TO SIGN UP FOR ORION HUB TO GET REWARDED FOR SHARING ORION CONTENT](https://community.orionprotocol.io//signup/2hIWiGOSPw/)
+
+$ORN - About $8.05 at time of post
+
+🚀
+
+Orion’s Monthly Round Up Summary - February 2021:
+
+https://twitter.com/orion_protocol/status/1366486272311775233?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1366486272311775233%7Ctwgr%5E%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fpublish.twitter.com%2F%3Fquery%3Dhttps3A2F2Ftwitter.com2Forion_protocol2Fstatus2F1366486272311775233widget%3DTweet
+ $ORN - A HUGE PROJECT WITH MASSIVE POTENTIAL AND OF COURSE GAINS! 
+
+[https://www.orionprotocol.io/](https://www.orionprotocol.io/)
+
+**So what is Orion Protocol?**
+
+Orion Terminal is the first gateway to the entire crypto market: aggregating every **CEX**, **DEX**, and **swap pool** into one decentralized platform. 
+
+​
+
+**ELI5?**
+
+You know the different exchanges you currently use to buy your crypto's on and the effort of switching apps to invest or sell what you want and constantly looking at which platform you can buy your coin on or where you can buy it for the best fees.
+
+Now imagine a place where everything could be integrated as one and you can view multiple exchanges with your holdings in one place.
+
+That is what Orion Protocol is doing right now with their Main Net due to come out any time soon within Q1. They have a great user friendly design, are working with multiple exchanges including big names such as KuCoin, MXC & Bit Max. You also get access to other huge exchanges like Binance as well. 
+
+​
+
+**So what are the benefits of being able to do this?**
+
+**Arbitrage Opportunities** 
+
+**Orion Terminal** always searches for the best prices on the market, allowing you to carry out arbitrage opportunities without the need for accounts on multiple exchanges. 
+
+[Proof of someone doing it on the Test Net](https://twitter.com/cryptokapano/status/1344404891247255552?s=21) 
+​
+
+**Viewing your Portfolio in one place**
+
+I'm sure everyone here has the problem having their coins in multiple places as some exchanges may not list the coin you want. With **Orion** you will be able to view your whole portfolio in a very efficient way and also enabling to you to do technical analysis very easily.
+
+Just check out the design on the website.
+
+​
+
+**Multiple Revenue Streams from Holding $ORN - Scroll down on the page linked below and you will see the 16 different ways you'll be gaining $ORN**
+
+[https://www.orionprotocol.io/orn](https://www.orionprotocol.io/orn)
+
+​
+
+**Why I think it is a Gem?**
+
+* Main Net coming out in Q1
+* Big Partners are affiliated with this project
+* Multiple Streams of Revenue & more being added
+* Ranked too low on CMC compared to all the other "Shit Coins" that are ranked above it
+* There is literally no other project that comes close to what the team at Orion are doing
+* A low Market Cap Coin compared to what they are trying to achieve (Some of you may say $189M Market Cap is high, but compared to what they are trying to achieve, I believe its significantly undervalued)
+* You don’t need to have an account an any of the exchanges and can still trade coins. 
+* Partnerships with already established and also upcoming projects in the crypto space e.g. KuCoin, BitMax, Bot Ocean, Nord Finance and many more
+* The User Interface is just 😍, like look at the screenshots they have and compare it with the Binance. You can immediately tell how much effort has been put into this in design. 
+
+​
+
+**Links:**
+
+[**https://elrond.com/**](https://elrond.com/)
+
+[**https://blog.orionprotocol.io/**](https://blog.orionprotocol.io/)
+
+[**https://twitter.com/orion\_protocol**](https://twitter.com/orion_protocol)
+
+[**https://coinmarketcap.com/currencies/orion-protocol/**](https://coinmarketcap.com/currencies/orion-protocol/)
+
+https://t.me/orionprotocol
+
+https://nordfinance.io
+
+https://botocean.com
+
+​
+
+**Exchanges:**
+
+Binance
+
+KuCoin
+
+BitMax
+
+UniSwap
+
+​
+
+Note: I am not a Financial Advisor so please DYOR and don't take this as financial information.
+
+CLICK LINK BELOW TO REGISTER INTEREST FOR EARLY ACCESS TO ORION TERMINAL
+
+https://orionprotocol.io/launch?OP=8999451/
+
+[CLICK HERE TO SIGN UP FOR ORION HUB TO GET REWARDED FOR SHARING ORION CONTENT](https://community.orionprotocol.io//signup/2hIWiGOSPw/)
+
+$ORN - About $8.05 at time of post
+
+🚀
+
+Orion’s Monthly Round Up Summary - February 2021:
+
+https://twitter.com/orion_protocol/status/1366486272311775233?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1366486272311775233%7Ctwgr%5E%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fpublish.twitter.com%2F%3Fquery%3Dhttps3A2F2Ftwitter.com2Forion_protocol2Fstatus2F1366486272311775233widget%3DTweet
+First and foremost, we're all individual investors and this is all just my opinion based on the current information available to me. This is not financial advice. How you choose to invest is of no business to me, I just felt like giving some perspective that I'm not seeing on this sub right now.
+
+I've been invested in GME a year. Migrated/followed from sub to sub.
+
+For a whole year now we've been told to be weary of calls to action.
+
+How many times in the past year have apes been told to go to this website or to use a link that will be beneficial for ape and the GME movement only to see them used as data phishing attempts, for one example.
+
+I'm personally so weary of calls to action I haven't even used the DRS bot. If we look at the data from CS we see we have over 100k accounts yet the last time I looked at DRSbot it only had like 8k accounts...so I don't see the point of putting any data that could somehow benefit SHF into the DRS bot, but I digress. I'm not trying to shit on the DRSbot, I'm just trying to show how much I don't jive with "calls to action". All I know is "Buy. DRS. Hold".
+
+That being said, I have never seen such an **urgent** call for action as I'm seeing right now with options.
+
+I don't have an opinion on options because I am absolutely ignorant to all things options.
+
+That being said, the point I'm trying to make is that I've been here a year. For a **year** we've been told to be weary of calls to actions. For a **year** whenever we saw a mass call to action like this it was immediately followed by people saying "be weary of calls to action" and I'm not seeing that right now.
+
+Apes have been hyping the last half of January for a few months now.
+
+Here we are, just weeks from that date, CS up over 100k accounts, everyone only **just** learned how to DRS....and now all of a sudden *options* are being shoved down our throats en masse.
+
+Food for thought.
+
+**Edit**
+
+I do find it suspect that this is happening at this particular time in the ape journey.
+
+We've only been DRSing since the summer.
+
+GME is cheaper now than at **any** time we've been DRSing.
+
+Now that it's easier for apes to DRS (we know the right brokers to start from, now-or we have accounts at CS already up and running) than ever before we are seeing this push for the *more expensive and harder to understand* options play.
+
+I don't think it's a coincidence.
+So we got a tweet 20 hours ago from RC related to him loving coke.  Which by itself led to all kinds of speculation on what it meant?  Why mention coke?  Why not just say soda or a play on words with a RC can?  Canadians, which RC is, typically say "pop" went referencing a carbonated beverage....but that is another story for another sub. 
+
+Oddly enough the exact same "coke" (the bottling company) dropped 11% today off of no real news of note, while the KO (the beverage company) was mostly flat.  While they are different companies, the outlook for one tends to lead to the same outlook on the other.   What gives?
+
+There has been some theories about shorting ETFs and how they could steal a share from these to target GME, which sounds plausible, but how does this relate to COKE?
+
+COKE is getting a move from the S&P600 small cap ETF to the mid cap 400....yet I couldn't quite pin down how it relates to GME.....because it doesn't, at least not directly. 
+
+Take a look at the list of companies in the S&P600
+
+[https://en.wikipedia.org/wiki/List\_of\_S%26P\_600\_companies](https://en.wikipedia.org/wiki/List_of_S%26P_600_companies)
+
+You'll notice what is missing?  GME.  But what IS in it that plays a role in this saga?  Maybe you should lie down in your BED or take a BATH or even maybe look BEYOND today...maybe to tomorrow.  Yep, you've got it.  RC has been hinting about possible other stocks being attacked by HFs.  Is he a mind reader?  How could he know?  This goes back to the theory people are posting on ETF shorts.  You hedge against your short by buying stocks that are inside the ETF you're "borrowing" the shorted stock from.  
+
+COKE is moved from the 600 to the 400 thus not being useful in the ETF basket.  RC KNEW COKE was going to fall and he just proved he knows these HFs plans all along.
+...unless your DD is made to take all of our trendies on repeat, then it makes sense to delete.
+
+Seriously, half of the DD in my saved posts that seemed logical and I wanted to track is deleted.  I've been taking screenshots and noticed that traders* will often delete DD that was wrong...stop doing that, own your mistakes and share them with the world like you would loss porn.  Deleting DD makes you seem like a BS shill or a candy ass pansy but more importantly it will make you and us worse traders.
+
+*generous term for the people here
+So here you are sitting with your bags full of coins that you don't even completely understand, but you were promised great returns.
+
+Are you thinking about tapping out? Cool. Nobody is gonna judge you. We all need to eat from time to time.
+But you missed the golden rule of investment and I'm not gonna say it here ... Every comment is about the veterans  telling the newbies what they should have done... but greed is a human flaw.
+
+King Solomon supposedly said it first:
+This too shall pass.
+I told myself the same when we reached 50k last year and started saving for the rainy days.
+
+We need bad times to appreciate the good times.
+The only question is ... Is your bag full of solid tokens that can stand the test of time like Bitcoin.
+
+Personal opinion: I'm not buying anything untill we are under 20k. If we never come that low again it's also a win for me. I don't need the money I put in.
+Was trading at about $2 a week ago, but surged approximately 40-50% on Friday with the announcement that it would start trading on the Nasdaq tomorrow. It’s up about another 30-40% today.  I own 500 shares, and am up quite a bit.  I was considering selling this morning, but decided against it.  Admittedly, I have not been following this stock since I bought it several months ago, so I don’t really know what the expectation is moving forward.  Do you see a continued rally tomorrow or is a pullback likely?  Thanks!
+
+*update* I unloaded this morning.  $5.09 per share and about a 70% gain.  I’ll take it.  Thanks for the input everyone!
+# 
+
+https://preview.redd.it/6adu92jvq7871.jpg?width=550&format=pjpg&auto=webp&s=5b88e4fdc53311f6341d673e9e48a62f5cd63f00
+
+# Dear "THEM" at the top,
+
+​
+
+I'm a simple Ape.  You all most likely went to the best schools and got a job in the world of finance/governance.  You likely worked hard and learned the ropes.  You have been rewarded with excellent pay and your families have benefited from the system that is currently in place.   Some of your colleagues, maybe a member of your DTCC family, maybe it's someone your supposed to catch (SEC), maybe it's a rival, maybe it's someone your supposed to oversee (Politicians) etc.....well some people in YOUR system have been breaking the rules......
+
+"Hey, Hey, you think. That's on them......this system has been going like this for a long time without too many problems for us.
+
+# 
+
+# GUESS FUCKING WHAT........THE POOR'S ARE STARTING TO WAKE UP AND WORD IS SPREADING.
+
+​
+
+We see your system for the rigged carnival game that the market has become.  You all have been allowing OPEN manipulation for years to tilt the game in your favor and more people are learning about it each day.   **Everyday that you allow this charade to continue in plain sight, allowing power players in the market to openly manipulate things to get themselves out of trouble, is a day the fire inside every retail trader burns hotter.**
+
+​
+
+​
+
+# YOU ALL FUCKED RETAIL BACK JANUARY 28th.   YOU OPENLY MANIPULATED THE SYSTEM TO PROTECT YOURSELVES.  WE SEE YOU, YOU FUCKING SNAKES.
+
+​
+
+​
+
+​
+
+The people you fucked over in Jan were Dads, Moms, Brother's, Sister's, Uncles, Aunts, working class/middle class, **people who actually needed that money for bills, unpaid debts, hospital bills, to buy their first homes, to just fucking breathe without the constant fear of crushing money problems and you FUCKING SNAKES DID IT TO PROTECT THE ONES WHO HAD THE MOST**. \*\*(***FUCK YOU AND YOU SHOULD BE ASHAMED.)\*\****
+
+​
+
+​
+
+Seriously, you all fucked over the people who needed help the most.  I'm waiting on a fucking 3% raise at my lower middle class job when inflation is running over 5%.   So next year I'll be making less money than I am now.  You all transferred all this wealth from us working poor to yourselves at the top.  You have no idea what is coming.  The anger I feel is spreading each day.  Apes are starting inform people and soon you are going to have way more than 400k eyes looking at your corrupt system lookin for answers.   When your average American learns you snakes have been stealing their retirements to line your pockets, they are going to be sharpening their pitchforks.
+
+​
+
+​
+
+# Keep allowing the can to get kicked.  Keep lying.   See what happens.
+
+​
+
+​
+
+# SEC, Please don't get off Pornhub to fix this problem.  Don't show retail traders that you all are toothless little imps suckling on the tits of greedy money pigs as your real masters.  I swore an oath to protect this nation years ago.  I'm curious, if you also had to do the same oath, you know, to uphold the rules and laws.....
+
+​
+
+​
+
+# You think you are going to get away with this, but I'll dedicate my entire life getting back what you stole from me in Jan.  I'll HODL and teach my kids to HODL for generations.  FUCK YOU AT THE TOP.  I'M NOT GOING ANYWHERE.
+
+​
+
+​
+
+# MIC DROP AND MIDDLE FINGERS TO YOU!!
+
+​
+
+LOL:  I'm not actually that angry.  I'm passionate and sick of the corruption.  Some of you know my writing style.  I'm that angry Marine.  lol.  I know they read our stuff, I want them to know that WE FUCKING KNOW!  :)
+Hi r/CanadianInvestor! I just started investing my savings recently and I use TD Webbroker - I'd like to stay with them going forward , but want to be smarter about how and when I invest.
+
+I'm mid 20s, with no debt, and contributing \~1.5k to my TFSA/month. Currently I have \~22k in my TFSA and is broken down into these
+
+* \~5% CM
+* \~12% EMB
+* \~2.5% RY
+* \~2.5% TRP
+* \~33% SHOP
+* 19% TD
+* 13% VEQT
+* 10% VFV
+
+I did a lot of small transactions early on (i.e. CM, RY, TRP) because I thought it'd be better that I quickly put my money into the market rather than keeping it in cash in my TFSA, but those quickly rack up the transaction fees ($9.99). Going forward, I've been trying to only buy at least 1k/trade. I was wondering if anyone might be able to help provide some advice for a young, new investor - thank you!
+I am about to finish my PhD in econ and I feel really puzzled between two job offers: one is a research organization and another is in a private firm.
+
+I will write all figures post-inc taxes. Here are some facts on each starting with the research org: 1- $6.5K per month with great health insurance coverage for the employee and their family, 2- a solid and safe pension plan, and if you leave even after a year, you are paid 20% of your total annual income as an end of service payment. If you leave after 5 years but before 10 yrs, you are paid 30% of your last annual income. 3- education subsidy for children up to 10K per year per child, 4- overall it’s a stable job where most workers stay in the org forever, which is both a downside and upside imo. 5-last non-financial benefit is that the job location is closer to my family/friends and I love the city where the potential job is located.
+
+Now to the private sector job offer: 1- $13K per month, 2- similar health insurance coverage to the other job, 3- child education support up to 25K per child, 4- no pension plan and no end of service benefits, 5- the job is in the other coast, far from family/friends.
+
+However, I am really puzzled between the two options as I feel that I may regret not taking the private firm’s offer despite the risks it entails where there is no pension/end of service benefit. The job offer is honestly insanely high and I am unlikely to find a job that pays this well in the next 2-3 yrs, which is again makes me wonder if I should give a try and put emotions and the first job offer aside?
+I relocated out of state and purchased a home in a HCOL area 12 months ago. Unfortunately due to personal circumstances I am now in a situation whereby I need to leave. I would like advise on what the better course of action might be from a financial perspective:
+
+1. sell home
+2. rent home
+
+The housing market is super hot in my area and rents are strong. I am a first time homeowner and thus have zero experience of being a landlord. My home is in a highly desirable location and blocks from highly rated schools in a great school district. The house is new with new appliances, warranties etc.
+
+**Selling:**
+
+I'm pretty sure we can break even on the home given comparable homes sold in recent months (after taxes, closing costs etc.) My reluctance is forgoing future profit from home appreciation. (greed)
+
+**Renting:**
+
+We've already had some people offer us 6-12months cash up front to rent our home or make 24 month lease offers. That said, the ROI is super low, factoring in typical maintenance expenses:
+
+* annual expenses = $60,000
+* annual net cash flow = $66,000
+
+My reluctance is the hassle of dealing with a rental property especially as a novice. Paying a management company will cancel any positive return...but I might be okay with that to satisfy the future appreciation or income stream.
+
+What other factors should I consider in making this decision?
+Like a true fucking moron, I've yoloed student loan money since last October. Tesla calls made me rich, spac calls made me richer. Then February happened and spac calls made me considerably less rich. 🤡 
+
+Anyhow, I'm too ugly to work behind the dumpster at Wendy's, so being fresh out of tendies, I embarked on an epic quest to search for work so I could still manage to pay my wife's boyfriend. And afford fresh cum socks.
+
+I lied about everything on my resume, and somehow landed a job as a stock broker at a large financial institution. I you knew me, you would be absolutely dumb-founded that I pulled this off. I'm incredibly unqualified and retarded. My parents and brothers were absolutely mind-fucked that I'd managed to pull this off. My mom cried tears of joy at the news that her one retarded son was finally able to get a job. 
+
+Which brings me to the main point of this post: **companies like Fidelity, Schwab, and Vanguard are desperate for employees. They're hiring anyone and everyone. Unlicensed on the phones is especially easy to get hired for, and they sponsor you for the series 7 exam to become a broker.** 
+
+**I now get paid $22/hour working from home, jacking off and doing practically nothing.** The phone rings once every 15 or so minutes, and the rest of the time I'm on wallstreetbets, soaking in meme culture and trading on my own account, which is perfectly legal and allowed, as long as I don't front-run our clients. 
+
+I love y'all, so wanted to pass on this beautiful brown nugget of wisdom: **apply at a financial institution like the ones mentioned above, get hired, work from home, and sit back trading the memestocks while getting paid hourly for it.** You also will become a licensed stock broker and learn a fuck-ton about the markets. There is so much to learn. If you're great at being retarded, why not get paid for it? Like the joker says, if you're good at something, never do it for free. 
+
+I'm off to buy buttplugs now...
+I am not really sure where to start but I’ve been losing sleep at night because I feel like I’m going no where and making nothing. 
+
+I am 25 and work in public education for a school system. I am part of the IT department and have since I was 18. 
+
+When I graduated high school I applied for a job with my local school system and got the job. I started at 32k a year with full benefits and a pension plan which seemed awesome at the time. Well now at 7 years later I’m making 36k and feel no closer to getting where I want. I am still a tech 1. My county doesn’t promote techs unfortunately. 
+
+I live in a very rural town in the south which I love. I’ve been here since I was born and I don’t want to leave but I feel like I’m going no where at the same time. 
+
+Honestly I get a little mad when I see posts of “I increased my salary just by doing x” and it feels like there’s nothing I can do about mine. 
+
+To be clear I absolutely love my job. Not like it’s a good job love like I wake up and I look forward to going to work. I can’t imagine doing any other job. I don’t have any desire to go back to school. I know that sounds bad but I hated school. I don’t want to go to college I just want to work. 
+
+So I own a modest home nothing crazy. 1500 sq feet in a nice secluded area with no neighbors. My loan was for 80000 which I currently owe 70k on. All my bills total each month total at $980 a month. I feel like I save nothing each month and I’m trapped driving the cheapest cars and buying off brand stuff.
+
+I feel like if I don’t nickel and dime every purchase I’ll be poor forever. I’m just tired of being poor and I feel like I’m drowning in debt. 
+
+I’m sorry for the long post and sorry if this is the wrong subreddit for this but idk what else to do. I need help but I feel completely lost. I’m not looking to make 6 figures a year I just want to live comfortably and drive a decent car. I’d be perfectly happy making 50k a year. That doesn’t sound like much to some of you but it would be huge for me. 
+
+I want to keep my current schedule it’s very important to me because I have a special needs little sister whom I help my parents with every single day. I work 7:30 to 3:30 no weekends no holidays etc but I feel trapped being poor.
+
+TLDR: work in the south in public education I feel trapped being poor with no end in sight and I don’t know what to do.
+
+Edit: I can’t really move due to the fact my little sister has multiple scoliosis and cerebral palsy. Her spine was fused about 9 yeas back so walking is difficult and she needs 24/7 help pretty much. So I stayed in my home town to be near by and help my parents whom are getting older. They can’t really move her well and I’m afraid of them getting hurt. 
+So I placed a call vertical spread 2620/2625, (short the 2620 call and long the 2625 call) and a put spread of 2855/2850, short the 2855 put and long the 2850 put.
+
+Well I got a email saying I have been assigned the 2620 put and the 2855 call,  what does this mean? It was 5 contracts on each trade.
+
+Have I just lost a ton of money? Since It was a spread does my long positions just cancel out my short positions?
+
+My account and account balance looks fine, but I'm just wondering what this means? Nothing crazy like I've been wiped out or anything? Oh and since this is SPX it's all cash settled so how does that work?!
+
+I didn't just lose a ton of money unknowingly did I?
+DOGE was a whopping .14 cents when I woke up at 6 a.m. at 7:30 A.M the price jumped 12% and within 5 minutes was back down to .14 cents and now sits at a 3% total gain for the day... 
+
+It's so nice that the clear pumping from influencers is dying down. Regardless of how you feel about DOGE any crypto banking on a billionaire just trying to fill their own bags is terrible and will most likely leave you burned.
+
+
+If you're curious someone actually wrote a code and tabled all of Elons tweets in correlation with the price. https://www.r-bloggers.com/2021/07/the-elon-musk-tweet-effect-on-dogecoin-doge/ his affect is definitely dying out.
+A buddy at work put $10k back in 99 in Amazon which I think is around 600k now. He is going to sell once he retires and use to buy a new house  
+
+What would be your 25 year bet if you made one now ?
+So, i devised a day trading strategy (~50 trades per day). I have minute candlesticks from 2000 until now. I backtested my strategy on the dataset and it performs exceedingly well on the dataset. The return on each single month is extremely consistent with only few months being actually negative (very bearish periods). Overall, it has an annualized 40% return, with low variance year by year. And this is without counting a couple of crazy years where it was up 200%.
+I started paper trading my algo and it matches the backtesting on the same day very closely.
+I am a very skeptical person by nature, so I know there MUST be something wrong. The startegy, although quite original, is very trivial and based on simple indicators, and I coded it in a month in spare time. I am a very expert software engineer, but a novice in algo trading.
+I'll start testing with small sums on Monday and see how it goes. I also am unclear if and how much the performance decreases as my investment size increases.
+I know there are no free lunches, I know there are no easy get-rich-quick schemes, so I wonder, what am I missing? I expect some discrepancy on real trading, but how much can it possibly be? I find it completely impossible to believe that such a simple strategy behaves so well, so I really don't know what to do in front of this evidence.
+There are three fairly basic ways that new traders lose money in 2021:
+
+**1)** They read some elaborate post about how some piece of garbage stock is the next MEME explosion.  To their newbie eyes the extensive DD looked convincing, and the stock is *only* $10 a share right now, so they they buy 1,000 shares.  And then they average down another 1,000. Two months later they are being told by the same people that were wrong about their DD to begin with,  to hold on to the now, $8 stock.  Even worse, they now believe that selling that stock is "exactly what the evil hedge funds want you to do!".  A few months after that they are questioning their life choices and stuck with a useless $4 stock.
+
+**2)** Most YouTube videos are geared towards trying to sell you a method of Day Trading that is based on *Gap n Go* strategies.  These methods, while real, are far more difficult than they are made to appear, but yet they are very marketable (i.e. "how to turn $5,000 into $50,000!").  Instead what happens is new traders become singularly focused on finding low float, highly shorted stocks that jump up after the open, convinced they are moments away from the next big score.  Once again, months later they are questioning their life choices and stuck with an account that has dropped far below the PDT requirements
+
+And finally that brings us to OTM options:
+
+**3)** Slightly more sophisticated than the first two methods of losing your money, this one requires actual thought and analysis.  
+
+The appeal is obvious - they are cheap.  And if the stock explodes those options can double, triple, etc in value.  
+
+Here's why they don't work - The options themselves have no real value other than the pure premium you are paying.  When *buying* options, your goal should always be to pay as little premium as possible.  Ideally you would have options at total parity (i.e. Stock is at $100 and the $99 Call Option is worth - $1).  
+
+Simple formula here for ITM Options - (Strike Price + Option Price) - Stock Price = Premium you are paying.
+
+Simpler formula for OTM Options - Option Price = Premium you are paying.
+
+So let's take an example -
+
+You like **CSCO,** it is smart pick, the daily chart looks good, it is past earnings (and seriously, please stop holding options over earnings) and looks like clear skies ahead.  Two choices:
+
+56 Strike Call, Expires Aug 27th for $2.35
+
+59 Strike Call, Expires Aug 27th for .30 cents
+
+Let's say you are going to spend $500 - so you can get 2 of the 56 Calls or 16 of the 59 Calls.  
+
+If next week CSCO hardly moves at all (current at $58.22), your 56 calls will be worth $2.22 - a loss of only 13 cents per call or $26.  
+
+However, in that same scenario, your 59 calls will expire worthless, a loss of $480.  
+
+OK, let's say CSCO goes up $1 next week, it is now at $59.22 - 
+
+Your 56 Calls are now worth $3.22 (at expiration), a profit of .87 per call or $174.
+
+Your 59 calls are now worth .22 a loss of .08 per Call or -$128.
+
+**OTM Options place heavy lifting on the stock to get you to profitability.  You are betting on a huge move in the stock that pull your options ITM faster than Theta strips away their value.**    
+
+***You are almost always better off going with ITM options, that have a Delta of .6 or higher and are at least a week out, if not more.***  
+
+In fact, if you just stuck to these three rules it would increase you likelihood of success a great deal:
+
+**1) Do not trade Options over earnings, trade them before, trade them after, but do not hold them** ***over*** **the earnings announcement.**
+
+**2) Do not go for the cheaper OTM options, instead choose Calls or Puts that have a higher Delta and are farther out in time.**
+
+**3) Do not trade Option Spreads unless you know how to leg out of them if they do not go your way.**
+
+(the 3rd one may seem like a small issue, but the number of people that get stuck in spreads they do not know how to exit is alarmingly high).
+
+This advice may seem basic to some traders here, but if you look at the posts on this forum you will quickly see that the foundational rules you may have been following as a trader aren't as obvious as you think.  New traders clearly do not know these basic principles and we should stop assuming they do.
+This is a common story for a lot of Vietnamese people in the 1980s as told in the online newspaper Vietnam Net. The local currency, Vietnamese dong, was devalued many times with inflation over 400% for several years in the mid 1980s.
+
+​
+
+[4,100 dong was worth an apartment in central Hanoi back in 1983. After 20 years of \\"savings\\" the bank returned 109,778 dong, enough to pay for 03 bowls of pho.](https://preview.redd.it/rywvj40lfn381.png?width=636&format=png&auto=webp&s=e5b1d5284b0df979f60d5084c0fda79e8d0a3593)
+
+Another reason is that Vietnam implemented a currency denomination in 1985, in which 10 old dongs were exchanged for only 1 new dong. A lot of people suddenly have their wealth slashed 90% after a day.
+
+​
+
+[Historical and forecast inflation rate in Vietnam](https://preview.redd.it/a84n23lyfn381.png?width=685&format=png&auto=webp&s=bf2dea633736a698f26b0d0d42893ebe06791615)
+
+I guess many Vietnamese have PTSD with the dongs and develop a habit of converting their dongs into gold, USD or Bitcoin. According to an analysis, Vietnam ranks 1st on global crypto adoption index. Now, I don’t actually 100% trust the data due to their methodology, but I can somehow understand why Vietnamese invest so much in crypto. It’s simple - they don’t trust their dong!
+
+​
+
+[The 2021 Global Cryptocurrency Adoption index](https://preview.redd.it/crl1uv05gn381.png?width=609&format=png&auto=webp&s=36490c8958e4543917821aa59e1a1769f242b5a8)
+
+You may raise the question - Is it just Vietnam or this is an issue in many corners of the world?
+
+Nowadays Vietnam has a stable economy with inflation rates under 5% since 2014. However, let’s see some countries out there: Venezuela, Turkey, Lebanon, Iran, Argentina just to name a few. Have a look at this map and see how things go:
+
+​
+
+[Inflation around the world, IMF, 2020 data](https://preview.redd.it/2ykukzk8gn381.png?width=678&format=png&auto=webp&s=b955006def7c42d22180dfcabdf01fe0e1bbd7dc)
+
+Now I don’t mean to say crypto will replace fiat, but many people don’t actually realise that fiat is also a type of slow rugpull (or fast!, as the above example in Vietnam in the 1980s and a bunch of countries right now). No-coiners often look at Bitconnect or Squid coin and say “Look, cryptos are rugpulls” but forget the fact that fiat currency loses value every day. Even the USD or EUR are not an exception, it’s just happening quite slowly that people are sleeping on it.
+
+What do you think of inflation and the world's economy today?
+I’ve noticed when filling out online home loan calculators that there is a field for “Credit card limit”. Just wondering if having a high CC limit would entice the bank to offer you a bigger home loan Vs having no credit card at all? Interested to hear how credit card limits factor into any calculations regarding borrowing capacity. Thanks!
+
+EDIT: not sure why the actual question is downvoted. A silly question for some perhaps. But a genuine question. FYI: I don’t even have a credit card, never needed one.
+I’ve seen many pointing to the lyrics of the song as the kids ride a boat down the chocolate river and into a tunnel. I actually think this is more on-the-nose than that.
+
+The story of Charlie Bucket is one where he & a few other children find Golden Tickets. First off, I think we all know what the golden ticket represents. Upon arriving at the factory, the children are given an everlasting gobstopper and told to not sell or give it away. Through the journey, there are many crazy, stressful things that occur to the voyagers, many ups-and-downs that must be persevered. The man attempting to steal Mr. Wonka’s gobstopper recipe is able to convince and/or con the children out of theirs .... except for Charlie Bucket. In the end, he returns the gobstopper to Mr. Wonka, and is thus rewarded with everything he had dreamt of. In the end, he literally breaks through the glass ceiling and rises above all the other children who just couldn’t .... hold.
+
+On to the Wonkavator
+In FI I feel like there are two principles that can conflict. One is to pay down debt as fast as possible and the other is that we can generally expect the stock market to produce 7% gains. If your interest rate is below 7%, the rational economist would say make the minimum payment on your debt and invest your other savings in the stock market. I think two things that would make me not do this are the inherent risk in stock market returns, which is a more rational calculation, and also the feeling of freedom from not being in debt to someone/thing, which is less "rational".
+
+​
+
+For me I think my buffer would be around 2% (So anything less than 5% debt I would pay the minimum on), but I'm curious to hear what other people's buffers are. Also I'm not asking specifically about current market timing. I know things are funky right now.
+
+​
+
+p.s. If my financial thinking is wrong here please let me know, and sorry if a question like this has been asked before.
+Sorry, I’m newb to finance. I just recently started maxing out my 401k since my new employer matches it up to the IRS limit and I know a lot of employers don’t do that so I want to take advantage of it. But with the stock market tanking, my 401k total amount is lower than what I started with this year. I feel like I’m just going to lose the money I put in and wonder if it’s safer to hold onto it in a savings account. But I guess my 401k will decrease whether I put in money or not. 
+
+Any advice for a newb is greatly appreciated!
+
+Edit: wowwww I wasn’t ready for this to explode! Thank you guys for all the advice! Also, SORRY but I miswrote! My employer matches HALF UP TO to the IRS limit so if I contribute 20,500 for the year (which I think is the irs limit), they’ll contribute half of that. Sorry for misleading! Still is pretty good I think though! I work in tech as a content strategist if anyone is curious! 
+
+You guys are seriously amazing! Thank you!!!
+ 
+
+I am extremely bear at the moment, and I am having a hard time seeing why the stock market is so high.
+
+Ill tell you why I think the market has ALOT more to go down and you then tell me I am wrong haha.
+
+1. Core inflation increased in August so interest rate hikes arent working as well
+2. Feds have a low ceiling to increase interest rates. They have too much debt and cant raise it to levels we saw in the 80s.
+3. Feds have NOT started aggressively tapering their balance sheet as promised. Once they do 80 billion dollars will disappear every month from the economy
+4. Feds are hiding the real recession due to midterm elections. Gloves come off after and the FEDs will stop propping the economy
+5. Biden administration has consumed way too much of the US OIL inventory for politics. It is now lower than levels seen in the 80s.
+6. US Oil Inventory will need to be replenished almost 300 million barrels from peak...
+7. OIL prices will increase as winter comes and Russia continues to stop shipments. Inflation will increase again.
+
+I suspect that in the end, the USD FEDS will say the 2% nominal inflation is unachievable. and will have to settle for 4% or above which will be detrimental to the economy.
+
+So whats the bull case here?
+
+Because the more I think about this, i think the economy is doomed. Michael Burrys market crash prediction is coming to fruition.
+
+Please tell me im wrong...
+Long time lurker first time poster and I've finally taken the plunge to get rid of those pesky mutual funds eating away at my returns. I have transferred my registered retirement savings into a self directed accounts and I'm looking for some feed back on how to disperse the funds.  Some info about my current situation, 
+
+​
+
+35 years old and plan to retire in 25+ years
+
+150k annual income.
+
+My employer has a pension plan that I am not factoring into this decision. 
+
+​
+
+I was looking at the following weighting
+
+LIRA (pension from my old employer) - 170k - 100% XEQT
+
+RRSP - 100k - 50% XEQT, 30% XUU, 20% TEC
+
+TFSA - 30k - 50% TEC / 50% ARKK
+
+​
+
+What would you recommend to change and should I dollar cost average this in or just lump sum purchase. 
+
+​
+
+Thank you in advance.
+Hey,
+
+I think is missing a post here sharing our stack tools. I am gonna start and hopefully more people can post and comment to each other. So:
+
+* IDE: Visual code studio
+* Language : Python
+* Trading Framework/API  : ccxt, zipline
+* Other tools, APIS: Docker, PyTest, Async io, Numpy, Conda, jupyter, Redis
+
+Feel free to use your own format,
+
+Cheers!
+In my opinion research papers are good theoretical exercises and reading them can help a lot to formalize the maths behind popular trading strategies. They are far from production ready, but I've come across a few papers that, when implemented in trading-like environments, gave great backtest results. Unfortunately, none where profitable in production.
+
+Hence my question to this subreddit's audience : have you ever successfully taken a research paper implementation to production ? How was your experience ?
+[**GameStop Wallet Support**](https://support.blockchain.gamestop.com/hc/en-us/sections/4412111751955-Getting-Started)
+
+# 🟣 [Computershare Megathread](https://www.reddit.com/r/Superstonk/comments/v2ff5r/drscomputershare_megathread_062022/)
+
+>Wondering what DRS is? Want to know how and why people are Direct Registering their shares? Here you'll find our guide and additional resources, as well as a welcoming community answering questions in the comments!
+
+# 🙋 ​[What's GME & should I consider investing?](https://www.reddit.com/r/Superstonk/comments/qig65g/welcome_rall_looking_to_catch_up_on_the_gme_saga/)
+
+# 📚 Library of Due Diligence [GME.fyi](https://fliphtml5.com/bookcase/kosyg)
+
+>A collection of over 200 of the most important, groundbreaking **D**ue **D**iligence. If your looking to familiarize yourself with the GME bull thesis or the underhanded tactics of the short sellers involved in this trade– then this is for you
+
+**Read** [**the Rules & Wiki**](https://www.reddit.com/r/Superstonk/wiki/index) **||** [**MOASS FAQ**](https://www.reddit.com/r/Superstonk/wiki/index/faq) **|| Join our** [**Discord**](https://discord.gg/Superstonk)
+
+Low karma? Want to feed DRSbot? [Post on r/GMEOrphans](https://www.reddit.com/r/GMEOrphans/comments/qlvour/welcome_to_gmeorphans_read_this_post/)
+
+How to [Filter by Flair & Search](https://www.reddit.com/r/Superstonk/comments/v0oxp2/how_to_filter_by_flair_search_for_posts_on/) on Superstonk
+
+Tag u/Superstonk-Flairy for help with user flairs, find [custom emoji options here](https://www.reddit.com/r/Superstonk/comments/v89p0h/new_superstonk_user_flair_emojis_how_to_edit_your/)
+ 
+
+[This is the official $GME Megathread for r\/Superstonk.](https://preview.redd.it/gzy9yfftoov71.png?width=778&format=png&auto=webp&s=7ce125aa2d7455f994d74a4192f1a04b7d14448c)
+
+**Please keep ALL conversations contained to Gamestop and directly related topics.**
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# Brand new to the sub? Start here!
+
+***You must read the*** [***Superstonk Rules***](https://www.reddit.com/r/Superstonk/wiki/index/rules) ***before commenting or posting on*** [***r/Superstonk***](https://www.reddit.com/r/Superstonk/)*.*
+
+https://preview.redd.it/u7nzd0m0pov71.png?width=1651&format=png&auto=webp&s=df5232178c4035ba1c069f9306b30453b42946cd
+
+The extremely talented and dedicated [u/zedinstead](https://www.reddit.com/u/zedinstead/) has created this beautiful collection of the most important, groundbreaking **D**ue **D**iligence in PDF format that can be easily accessed and shared. If you're looking to familiarize yourself with the GME bull thesis or the underhanded tactics of the short sellers involved in this trade-- then this is for you:
+
+# [GME.fyi](https://fliphtml5.com/bookcase/kosyg)
+
+[r/Superstonk](https://www.reddit.com/r/Superstonk/) employs strict posting requirements to ensure our community stays moderately free from trolls and other such bad actors. As such you may find you have trouble posting if you haven't fully read and understood our rules.
+
+**Posts keep getting removed?** [Find out why.](https://www.reddit.com/r/Superstonk/wiki/index/rules)
+
+**Not enough** [**karma**](https://www.reddithelp.com/hc/en-us/articles/204511829-What-is-karma-)**?** Here's a [quick guide](https://zapier.com/blog/how-to-get-karma-on-reddit/) on how to get it.
+
+**Want to learn more?** [Check out our extensive Wiki](https://www.reddit.com/r/Superstonk/wiki/index) and [FAQ](https://www.reddit.com/r/Superstonk/wiki/index/faq)
+
+**Eager for more even more GameStop info?** [gmedd.com](https://gmedd.com/) is a spectacular resource.
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# Flair Links
+
+[📚 Due Diligence](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%9A+Due+Diligence%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [📚 Possible DD](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%9A+Possible+DD%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [💡 Education](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%92%A1+Education%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) |[📈 Technical Analysis](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%88+Technical+Analysis%22&restrict_sr=on&include_over_18=on) | [🗣 Discussion / Question](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%97%A3+Discussion+%2F+Question%22&restrict_sr=on&include_over_18=on) | [🤔 Speculation / Opinion](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%A4%94+Speculation+%2F+Opinion%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [💻 Computershare](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%92%BB+Computershare%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [📰 News](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%B0+News%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [🤡 Meme](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%A4%A1+Meme%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [👽 Shitpost](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%91%BD+Shitpost%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [📳 Social Media](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%B3Social+Media%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [☁ Hype fluff](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%E2%98%81+Hype%2F+Fluff%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [HODL 💎🙌](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22HODL+%F0%9F%92%8E%F0%9F%99%8C%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all)
+
+You can also find the main flairs in the sidebar on New Reddit and under the "About" page on mobile.
+
+**Mod Flairs**
+
+[📣 Community Post](https://old.reddit.com/r/Superstonk/search/?q=flair%3A%22%F0%9F%93%A3+Community+Post%22&include_over_18=on&restrict_sr=on&t=all&sort=relevance) | [📆 Daily Discussion](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%86+Daily+Discussion%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [🏆 AMA](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%8F%86+AMA%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [🚨 Debunked](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%9A%A8+Debunked%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [📖 Partial Debunk](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%96+Partial+Debunk%22&restrict_sr=on&include_over_18=on) | [🔔 Inconclusive](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%94%94+Inconclusive%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [⌚ Pending Review](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%E2%8C%9A+Pending+Review%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [🥴 Misleading Title](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%A5%B4+Misleading+Title%22)
+
+**No CS/DRS Mode**
+
+[New Reddit Filter](https://www.reddit.com/r/Superstonk/search/?q=-flair_text%3A%22%F0%9F%92%BB%20Computershare%22&restrict_sr=1&sr_nsfw=) | [Old Reddit/Mobile Filter](https://old.reddit.com/r/Superstonk/search/?q=-flair_text%3A%22%F0%9F%92%BB%20Computershare%22&restrict_sr=1&sr_nsfw=)
+
+To filter out CS/DRS posts, click the links above or type `-flair_text:"💻 Computershare"` into the search bar.
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+***What's This Post All About?***
+
+The first thing you'll notice is a stickied comment right at the top. We call this the "Front Desk". Every day a moderator will create a new sticky comment that includes links to community announcements, fantastic posts that deserve more attention, and generally the simplest and easiest way to interact with the moderators of this community. The rest of the post is designed for general discussion and content/questions that might not need their own post.
+
+If you are new please mention that when you comment. There are no stupid questions but "shills" (paid accounts with the intent to disrupt the sub) are real. This community sees a lot of trolls. If you do not distinguish yourself as someone with genuine questions it is likely that members of our community will assume you are just spreading "FUD" (Fear, Uncertainty, and Doubt). I hate that I have to give you this warning but it is just the nature of the beast at this point.
+
+Please have fun, play nice and be civil. Many of our rules are heavily enforced. Debate is welcome but if it devolves into personal insults please report the comment. *Ape no fight ape!*
+I'm 23 on a salary of about 40k, while my partner is earning approximately double that. She is a full time employee and i am casual. I've got no savings and pay insane rent.
+
+Basicially, been part time studying Medical Science for a few years now and i have consistently seen the salary brackets mentioned for relevant careers sub 80k. This is scaring the shit out of me. I like Biology and STEM but as i get older money is unfortunately becoming rapidly more important to me than enjoying what i do. 
+
+I also dont mind that my partner makes more than me, but the current margin bothers me greatly and i wish to contribute as close to 50% or more as i can. We dont currently live together but down the line would obviously love to.
+
+Should i stick the course, finish out my degree and hope for the best? I really feel quite lost as i've been poor all my life and really want to own a house, travel etc etc
+
+Is it too late for me to start a new profession? Whats the best direction to head? Is there such a thing as career advisors for adults?
+I’m looking for ask for a 4 day work week from my company while working longer hours (I’m a permanent full-time aged care physio).
+
+I honestly just want the day off to spend time with my partner and dogs/work on side passion projects. 
+
+I’m afraid that if I mention this as the reason for request, I might get shot down. Does anyone have any tips when it comes to asking for flexible working days?
+
+Thanks!
+
+Edit: ended up getting the 4 day week I wanted. Work was more than happy to accommodate! Thanks all!
+Yourself. Seriously people, the earlier you learn this, the better. You can't lose when you invest in yourself. Instead of taking orders from those youtubers, taking advice from all those clueless tiktok influencers, following the hype into all those pump and dump coins hoping to become a millionaire overnight, why not invest in yourself? 
+
+Use your time to learn about blockchain, ethereum and all its potentials. That way you'd come to understand exactly where you're putting your money into.
+
+Remember that knowledge is power!
+My latest explanation to new people interested in Ethereum is the title. People understand the internet and it is easy to explain the connections between the internet and the blockchain. Even better, older folks tend to realize what a newfangled sketchy thing the internet sounded like at the time of its public debut.
+
+Before the internet, distance drained society of a whole lot of money. If you wanted to transfer information you had to pay shipping fees. You also could not work remotely nearly as effectively if at all. There are other things you couldn't even pay to do, like have a face to face conversation. Distance was valued. Brick and mortar stores capitalized on this and dispersed their locations to be as close as possible to people (customers) while not overlapping their locations. Distance kept people from connecting. Enter internet. Distance starts to be cheaper. Now people work from home and shop for products that sit in warehouses states away. Brick and mortar stores lose out because they invested in distance. Many other companies that depended on capitalizing distance lose out. People think positively of the internet as it has made the majority of people's lives easier and more convenient.
+
+If we all are right and the blockchain is the next internet we might say:
+
+
+Before the blockchain, trust drained society of a whole lot of money. If you wanted to transfer value you had to pay banking fees. The banks capitalized on the fact that trust was an expensive and rare resource. So did insurance companies, notaries, the government, lawyers, and more. You could not enter into an agreement with another person unless you involved one of these institutions. Trust kept people from connecting. Enter the blockchain. Trust starts to be cheaper. Now people enter into agreements and exchange value with people they haven't met, with no trusted third party. Banks and others lose out because they invested in capitalizing trust. People think positively of the blockchain as it has made the majority of people's lives easier and more convenient.
+
+
+The internet solves the where problem, the blockchain solves the who problem. The internet transfers information, the blockchain transfers value.
+I literally couldn’t of made this up. My wife, a dental hygienist, is going to work for the last time today at an office she’s worked at for just over a year. 
+
+She got a job at another office in town with better pay and hours. A great situation. She was taking the rest of the week to go visit family up north but when we woke up this morning we see on the news that her new office has burned down. Like it’s GONE, sticks on the ground. 
+
+She hasn’t signed the paperwork yet, didn’t receive a letter of hire. Nothing.  So in just one night, she has zero jobs after today. What can we do? We’re both just in awe of this situation.
+
+**UPDATE** My wife has talked to the dentist and he is just waiting on the approval but they have found an empty office that he plans on renting and working out of. It will take possibly an extra week to get set up but we've avoided the worst-case scenario it seems. Thank you all for your suggestions and advice on this. Life's a strange beast, you guys!
+I hope this is the right subreddit for this. I recently got a really good job offer from another company offering 20% more on salary with added benefits. My current employer has offered me 30% share of the business (small company with a turnover of 1 mil year) with an initial 10%, and 10% each year for 2 years. I have spoken to him about this and the intent is to sell the business in 3 years if possible. How does it work? If they sell the business in 3 years for X, do I get 30% of that lump sum? Does this depend on the share type? If so, what shares should I be looking out for in the contract? Any other clauses I should look to include? I don't quite trust the director which is causing the hesitance. I want to make sure my share would be protected and it yields some returns in the event of a sale. Otherwise the new job offer would be a much better option. Any advice? Any questions welcome, I'll do my best to respond ASAP.  
+
+Thanks in advance
+
+Edit: Thank you for all the replies. I'll try  go through them and feedback on any questions to help clarify. Really helpful! 
+
+Edit 2: Quick update: I should have mentioned,  my current employer does not know about the alternative job offer. Both events just kicked of at the same time. 
+
+Edit 3: Thank you everyone for the brilliant advice!! Making a decision this week. Will keep you posted.
+
+Edit 4: Took the other Job offer :)
+I live in a pretty rural area with tons of wild life and bugs and such. I recently left a small bag of rolled up candy on my dining table.
+
+Welp, the ants found my stash and I’ve had them patrolling my house non stop. 
+
+Much in the same way these ants have and continue to find every morsel of goodies I happen to drop here and there, apes find and collect every possible, potential scrap of confirmation.
+
+No matter how many ants I wipe away, there’s always more, no matter how much I tell them to fuck off, there’s always more. Until I actually take the time to clean every square inch of my position, they will always be here.
+
+I imagine the collection of apes scouting the internet for all of the different types of info to confirm or deny information (and likely our biases as well) from the grey used in the new GameStop logo (bastille grey) and the diamond handed skin GameStop is including in the new Dying Light 2 pre-order, to the ridiculous esoteric numerology apes are crafting while others are digging deep and finding all of the info that’s been hidden and obscured from us to give SHFs the upper hand.
+
+I have a feeling that this is going to be the greatest saga of this century and the last.
+
+And not only are there people pulling together heaps of intel and information but there are some truly beautifully wrinkled and beautifully smooth creatives out there keeping all of the dryness of the stock market juicy and palatable as well as the maniac super wrinkly apes crafting robot overlords to keep things in order for the sake of us all.
+
+
+There’s no racism, sexism, ageism, nationalism, classism. And if there is, we police ourselves righteously. We praise and reward the things of value and cruelly tear down the things of discontent or hate. 
+
+All the while there are loads of activism, optimism, altruism, and probably a hint of alcoholism here and there. 😅
+
+I wake up every day and look through r/superstonk. My mind is boggled, my laughs are guttural, my heart is full, and my hands are diamond.
+
+I love and appreciate each and every one of you!
+
+Edit: and I didn’t even mention the most mind blowing part of this whole damn thing, that everyone here is just giving their time and energy to all of this. NO ONE is getting paid to do any of this… yet 😏🚀🚀🚀🚀🚀🚀
+
+Edit:
+Thanks to u/karest27 for pointing out and reminding me that we have, LITERAL, boots on the ground calling bullshit on things like Glacier Capital within less than a day of receiving the info. It has a very “His name was Robert Paulson” -Fight Club feel.
+The general feeling is the stock market peaked in late September and we will have a slowing economy in 2019 and a recession in 2020.  So most of us in the investing club in the senior center just bailed out of the stock market and are now in CD's paying about 3%.
+
+Most of us are taking out about 4% a year so we will lose a bit of money for a couple years.  But once the stock market reaches a more normal level, likely in 2021 after the 2019-2020 Bear Market we will cash out our CD's and go back into the stock market. 
+
+For just retired folks in our sixties, it seems like a good plan. Agree?
+
+​
+
+​
+Hey everyone, I’m working through the Options as a Strategic Investment book by McMillan and found something pretty interesting on page 91, Chapter 2 (4th Edition). I’m sharing here in case this isn’t something well known but also my typing it up will let me better understand it. 
+
+This applies to writing covered calls so it fits into wheeling and theta. It only works if you have more than 100 shares of stock you are writing calls against (probably something like 300 or more, the book says at least 500). The idea is called incremental return of covered call writing. 
+
+This strategy works for stocks that have taken a beaten and are deep ITM. For example, you own 1000 shares at a basis of 80 but the stock dropped and is now trading at 60. Any covered calls you write at 60 or 65 will have terrible premiums and writing anything closer to the current stock price risks getting the shares called away below your basis. Instead, you sell calls close to the current stock price but only against a small part of your shares. As the stock price rises to that strike, you roll up for a credit by adding additional contracts. As it rises again, you roll up again but also add more contracts. 
+
+Here is the example for the book, hopefully this will make it a little clearer. 
+
+You somehow own 1000 shares of XYZ at 80 a share.
+
+Day 1: Stock XYZ = $60 a share
+
+Sell 3 XYZ October 60 calls at $7 for $2100 CREDIT
+
+One month later: Stock XYZ = $70 a share
+
+Buy back 3 XYZ October 60 calls at $11 for $3300 DEBIT
+
+Sell 5 XYZ October 70 calls at $11 for $3500 CREDIT
+
+Two months later: Stock XYZ = $80 a share
+
+Buy back 5 XYZ October 70 calls at $11 for $5500 DEBIT
+
+Sell 10 XYZ October 80 calls at $6 for $6000 CREDIT
+
+Totaling all this up, you get a $2800 credit and you get your shares called away at basis.  It allows you to possibly earn a better premium in the end while you wait for the shares to rise instead of selling terrible premiums in the meantime. I need to dig into this a little more with real world numbers but it sounds like a good tool to keep in the toolbox if the situation allows it to be used. Obv you need to have more than 100 shares to roll up AND add on contracts for credit each time.
+Hey dudes, so I used to use Robinhood and Webull then switched to tasty works as the reviews here were really nice. After using it for a while I think i really don’t like Webull or tastyworks there’s just something about the UX of Robinhood that makes me want to go back. Can you guys give me reasons why I should stay with tastyworks or reasons I shouldn’t go back to Robinhood
+link to scam comment - [CoinMarketCap](https://coinmarketcap.com/community/post/316296180)
+
+**as stated on etherscan, funds have been moved from the wallet, likely by scammer 
+
+I know I'm an idiot, a dumb teen falling for something so stupid, but it's lesson learned, at at least losing $20 in ether wasnt the end of the world. main goal is to share this story for people unfamiliar with scams like this. 
+
+I'm taking a peek at the CoinMarketCap comment section, right under ADA. Just doing some general browsing, until I come across a comment that basically says "woohoo! I invested in a coin that mooned, celebrating by giving away my metamask account with $590 on it", and the guy follows that with the seed phrase.
+
+Intrigued, I entered the seed phrase into metamask to find an account with $130 in tether, and $118 in USDC. This seemed too good to be true, I tried to withdraw but of course you need ethereum on the account to pay the gas fees. And conveniently, there was zero ethereum. I sat there thinking about how this could possibly be a scam, I thought "hey maybe no one did a withdraw because there's no ethereum and they don't wanna deal with the troubles", so I look at my KuCoin account and send over $20 in eth to pay the gas fees for tether.
+
+The eth shows up, I quickly go to withdraw the tether, but as soon as I get to the confirm page, it says I don't have enough eth to pay for gas fees. And to my semi surprise, the balance of eth went from my sent $20 back to zero.
+
+Though it might be a bug, no way someone at that exact moment did withdraw. But a quick peek at[ etherscan.io](https://etherscan.io/address/0x103a05a16a8105b6c102bf6a7310fee763641a75) shows that as soon as my funds arrived, they were immediately taken out, likely by a bot. In fact, I'm far from the first one. This account alone was used to scam $200 worth of eth from 6 different people.
+
+Needless to say I'm sad, but at least the loss wasn't too dramatic. i’m more sad about just giving the scammer free money. Wisdom is priceless I guess, I feel dumb for falling for that guys scam so easily, but I feel like this is a super next level scam from what I've seen. You literally gain access to that guys account, seeing all the funds there, thinking you're a gas fee away from adding $250 in stable coins to your main trading platform
+
+Is this scam new? If anyone wants the seedphrase to check out the account I can post it in the comments
+
+edits (addressing comments)__ 
+
+- this could be seen as similar to a Nigerian prince scam, however the difference is that i had full control of the wallet, and no one asked me for money. sending crypto for gas fees was my own “intuition”
+
+-  i wasn’t trying to steal, the guy posted his seed phrase as a giveaway in celebration for one of his investments mooning, as stated and linked in the post above. 
+
+- APOLOGIES if this isn’t sophisticated to you, it was brand new and seemed well thought out to me. intention wasn’t to disappoint
+
+seed phrase of wallet: diesel zoo garlic amazing history original clever crazy glide ahead exhibit cycle (keep in mind that the wallet HAS been emptied, likely by scammer)
+No impact to you? Delays your retirement? Readjust your portfolio? I am curious to hear your opinions.
+
+My adjustments:
+
+* 401k from 96/4 to 70/30. Still maxing out all retirement funds.
+
+* Sold some long term tech stocks to cash when it was at recent peak.
+
+* Swap some break even tech stocks to VTSAX.
+
+Edit: Wow, the thread replies surprised me. Most surprising is the apathetic replies from non-fatFIREs.
+Anyone else been looking at Sleep Country stock? 44M cash on hand, stores are closed, don’t really know if their e-commerce is doing well or not with the current crisis... are people buying more mattresses cause they’re moving back home or downsizing to smaller rooms? Or are people not buying mattresses cause of the financial situation... 
+
+Price looks good. Don’t know if it’s the right time to jump? Opinions?
+Preface: I'm not very knowledgeable about all this, just starting to look into it, so mostly just wondering if there's something I'm missing here.
+
+I live in a major city (Seattle), housing is really expensive (especially in the current real estate climate), I get it. But I also make good money, am still young, have lots of career growth to come, and work in a high paying industry with a lot of opportunity.
+
+But yet... Looking at mortgage calculators and the like online, and comparing to house prices around the metro area, I just don't get how people are able to afford it, at all? But yet I know my older colleagues (say 5-10 yrs older, as a range) all have houses, and I also know roughly their salaries. Something doesn't add up... These so called mortgage calculators seem like houses around here would be out of even their price range.
+
+To be fair, maybe they bought when prices were lower, but (correct me please if I'm wrong) even tho prices have gone up, they've always been high in major cities in recent history.
+
+So... Am I missing something? Or do I really need to be making $250k+ to even start to think about getting a house around a major city? 
+
+I'm sparse on personal details here for privacy but if certain details would help, let me know. I'm starting to think my only option is to wait for some sort of price collapse.
+As often described, FIRE is a set of values that govern pretty much all aspects of one's life. But I personally struggle with this purist approach and wonder how others face similar conflicts. As a concrete example, I would be willing to invest in my children's education quite liberally (eg to privately fund an ivy league degree if it comes to that), even if it throws my FIRE goal out of the window. Or in providing for my family, I sometimes feel guilty for skimping, even if my wife shares the same value. Other times, I have forgone my passion for finer things in life (eg luxurious watches) to stay on course. I sometimes wonder if I get my value compass too distorted.   
+
+Do you guys have these conflicts? Are you purists or set aside a few exceptions to FIRE rules?
+You hear lots of rich and successful people from podcasts, books, and so forth, advocate that once you earn over a certain threshold (usually around £100k) that your overall “happiness” as a person levels off, and that everything that you earn above this threshold doesn’t really provide anything more other than stability and increased investment opportunities. But with that, also comes a whole lot of risk and responsibility as your net worth grows. Not everyone is willing to grind years to earn millions, whereas earning £100k can be quite comfortable even if all you have are a few local businesses.
+
+Of course, the idea of happiness is very subjective, but as someone who believes happiness is tied directly to being financially free, should I just aim for earning at a comfortable level, rather than placing a burden to become a millionaire?
+This posts explains some dos and don'ts about what to post on /r/Bitcoin .
+
+First lets start with...
+
+----
+
+**Messaging mods**
+
+Modmail is for:
+
+* Problems with the subreddit (some sidebar links are broken for example)
+* Problems with submissions (spam filter sometimes catches too much, we sort things a few times a day. If you have an **urgent** submission, contact us)
+* Requests that need mod support - if you need us to verify your identity for say, AMA, or that you represent an organization, contact us and we'll do our best to help you
+
+Modmail is **not** for:
+
+* Asking general questions
+* Reporting obvious spam submissions (that's what the **Report** button is for)
+* Advertisements on the subreddit (it is handled [through Reddit](http://www.reddit.com/ad_inq/), not us)
+* Help with shadowbans (again, that's Reddit, not us. [Contact them](http://www.reddit.com/message/compose?to=/r/reddit.com))
+
+**Frequent requests:**
+
+* "Can I get a flair?" - No, at the moment we are **not** giving anyone flair on the subreddit
+* "Can you add my subreddit to the sidebar?" - If you are a local Bitcoin subreddit, we can add you to the wiki. If you are not a Bitcoin-related subreddit, 99% chance the answer is no. If you are a Bitcoin-related subreddit, we only add subreddits that are established - if you have less than a few hundred subscribers and less than a post a day, the answer is most likely no. Beyond that, we can talk.
+* "Can you link to my website from the sidebar?" - No
+
+----
+
+**Submissions**
+
+**Please don't post:**
+
+* Ask to be stickied - it's like asking for upvotes. People don't like it when you ask for upvotes.
+* General questions about how Bitcoin works - go to /r/BitcoinBeginners or search in http://bitcoin.stackexchange.com/ .
+* General newcomer questions, like "which client should I use?", "how do I buy Bitcoin?" - again, /r/BitcoinBeginners
+* Questions about mining - go to /r/bitcoinmining
+* "Is it profitable to mine?" - punch your numbers into [a calculator](http://tpbitcalc.appspot.com/) or go to /r/bitcoinmining
+* "Should I buy Bitcoin?" / "Is it still worth investing in Bitcoin?" - You shouldn't take financial advice from the Internet, you need to figure this out for yourself
+* "What about altcoin X?" / "Should I buy altcoin X?" / "You should buy altcoin X!" - This is a very big topic in itself. Short answer is no under most circumstances. For a longer explanation, please read [my blog entry](http://tpbit.blogspot.ca/2013/11/on-subject-of-altcoins.html) and the accompanying [reddit submission](http://www.reddit.com/r/Bitcoin/comments/1rvs0m/on_the_subject_of_altcoins/) for discussion on the topic.
+* Asking for money - unless you are a reputable charity, your post will be treated like spam
+* Complaints about not buying Bitcoins when they were $X/BTC - nobody cares
+* Referral links - your post will be treated like spam
+* "BUYBUYBUY"/"SELLSELLSELL" - you will be treated like a troll
+* Submissions or posts with curse words directed at someone - don't insult other people. Your posts will be treated like spam otherwise. Occasional expressions like "holy shit this is awesome!" are tolerated in moderation.
+* "Can I buy less than 1 bitcoin?" - The answer is "yes, you can purchase as little as 0.00000001 BTC at a time, you don't have to buy a whole coin, similarly how you can buy a gram of gold, you don't need to buy a whole gold bar"
+* "What happens after all 21M BTC are mined?" - Either Bitcoin will be long gone before then (if the system doesn't catch on), or [miners will be earning their money from transaction fees instead](http://bitcoin.stackexchange.com/q/18103/323).
+* "What happens to lost coins?" - Lost coins remain lost, unless someone finds a private key for them. [This is **ONLY** viable if quantum computers become strong enough](http://bitcoin.stackexchange.com/q/6062/323). Otherwise, [the numbers used by Bitcoin are too big to be brute forced - heat death of the universe will occur before a colission is found.](http://bitcoin.stackexchange.com/a/7732/323). [As for re-mining old bitcoins, there are many reasons to not return lost coins back to circulation.](http://bitcoin.stackexchange.com/q/484/323)
+
+**Take heed when posting:**
+
+* Memes - memes are allowed, but some people may not like you for posting them. Be sure to use /r/Bitcoinmemes as well
+* Information about all-time-highs, price spikes, crashes and so forth - 90% of the time, someone has already posted about it. Check /r/bitcoin/new first before posting.
+* Questions about help with a particular website or business - /r/Bitcoin is not tech support for any business, you're better off contacting the support of the business in question through their forums or ticket system
+
+**What to do if you see...**
+
+* Spam - click "report" underneath the submission, vote accordingly. Don't message mods unless the spam is subtle or needs context
+* Repost - vote accordingly, click "report"
+* A post from the "don't" list above - direct the posted to a proper subreddit if applicable (for questions and newbie posts), vote and report accordingly otherwise
+* A post that is allowed on this subreddit but you don't like it being here - vote accordingly, don't report it. If it is allowed, the mods will not remove the post. Your votes shape what submissions get the most exposure - upvote the posts you want to see more of, downvote the ones you want to see less of.
+
+
+----
+**Some good guides you should look into:**
+
+* [Will I earn money by mining?](http://www.reddit.com/r/Bitcoin/comments/18r5qc/will_i_earn_money_by_mining_an_answer_to_all/)
+* [Basic Bitcoin security guide](http://www.reddit.com/r/Bitcoin/comments/1pxy4w/basic_bitcoin_security_guide/)
+* [The straightforward Bitcoin safety and security guide](http://www.reddit.com/r/Bitcoin/comments/1s9vds/the_straightforward_bitcoin_safety_and_security/)
+
+----
+**Please do**
+
+* Read the sidebar for community rules - following them will make everyone's day better.
+* Be sceptical of any news without credible sources - a lot of bad people are trying to play on your emotions by fabricating fake stories. Be sceptical of any story without a credible citation, especially when it is related to economic or legal side of things.
+
+----
+
+Thank you for your attention. Post responsibly, vote on all submissions, live and let live, have fun.
+Message is clear. Not sure if someone has already done this. Only saw confirmation with other brokerage firms so far but then again I could have missed something. Anyway, the road is clean and the sky is clear for take off, Captain. Check all systems and we're ready for launch. See you primates on  Andromeda.   
+
+
+[ALL CREDITS TO ARTIST OF THIS PHOTO.](https://preview.redd.it/ch9bl6npgmv61.jpg?width=598&format=pjpg&auto=webp&s=d12e7292c2d6c15693cbc11fb39f3593443aa94c)
+**Please read all of the below to make an informed decision before voting.**
+
+This governance poll is to decide whether to ban JohnFrontino and SacredHam00 from the subreddit or not.
+
+**(1)** The proposal was written by ethereumgasbot:
+
+>Basically, news broke out ~~yesterday~~ last week that [John is likely sacred ham or at least knew each other](https://www.reddit.com/r/ethtrader/comments/pnrrn0/its_confirmed_ujohnfrontino_is_usacredham00/?utm_source=share&utm_medium=ios_app&utm_name=iossmf). Now generally, using multiple accounts is immoral, if not in the grey area of legality, but johnfrontino and sacredham00 are both low effort donut farmers, who spam hundreds if not thousands of comments a day, which doesn’t contribute to positive discussion, and actively steals donuts from members who do their best to post OC, and post well thought out replies.  
+>  
+>In fact, there’s sufficient evidence that they're the same person, or follow the same modus operandi, which raises the question if they’re part of a larger upvote group, which is clearly against sub and site wide rules(as based on data found on the blockhain, John transferred over 100,000k donuts to his potential alt, and both of them owned and swapped for the same Shitcoins on the BSC, at around the same time)  
+>  
+>Now as I said before, my main concern here is the fact that John likes to spam extremely low effort comments, and by doing so, he’s actively stealing donuts from other [r/ethtrader](https://www.reddit.com/r/ethtrader/) users, many who do their best to contribute quality comments and posts, vs the hundreds of daily sub one liner comments John likes to leave. I plan to propose a few other polls to try to disincentivize excessive spam, but I see a pretty clear cut case here, as johnfrontino has oddly not been active for over 17 hours, which is a surprising amount of time given he’s always spamming the sub, deleted his public denials, and is nowhere to be seen. I’m definitely open to hear what John has to say about the scenario, and would be willing to give him a few hours/days to submit a response to the allegations brought up against him.  
+>  
+>Edit: As a final addition to the proposal, I’d like to bring this comment into the community’s view, [https://m.imgur.com/YqCLi7o](https://m.imgur.com/YqCLi7o), a user acknowledged he’s in a WhatsApp group with sacredham, and other users, and John acknowledged he knew sacred, and they went as far as suggesting that they AWARD AND TIP EACH OTHER, and since the Apple doesn’t fall far from the tree, I can easily see johnfrontino, and sacredham participating in vote manipulation. Plus,the mods believe the same: [update from the mods suggesting John and sacred along with a few others likely participate in vote manipulation](https://www.reddit.com/r/ethtrader/comments/pq49sf/update_on_donut_farming/?utm_source=share&utm_medium=ios_app&utm_name=iossmf)
+
+**(2)** JohnFrontino wrote the following:
+
+>Regarding the accusations. There are many things wrong here. The people who now attack me were previously accused and are seeking to divert attention, just as they investigate my account, they can also investigate each one of them.  
+>  
+>User Ham and I are friends, we are in the same country but different cities. He told me about an NFT game called Cryptozoon, that's why we have YAG and ZOON as currency. The transfer I made to him was not a tip, it was a transfer to invest in the NFT, the transaction can be reviewed and you can also review the transaction of the purchase of the NFT. He knew more about the game than I did so he took care of it.  
+>  
+>Some say that the best defense is an attack. These people are attacking and trying to evade attention for them. Check them out too.  
+>  
+>We are not the same account, this is my only account and if in any way the MODS can check the IP they can realize that. I have not been responding to the posts in question because I have been speaking directly with the MODS, giving them the information directly.  
+>  
+>They say that my account is from Turkey, it's false. They say that I made +900 comments in one day, it's also false. You can check it in my profile, that is not true. There are many things that they say are simply wrong.  
+>  
+>They made a poll to ban me. They focused attention on my account but who investigates their accounts? Much attention has been focused on this situation, I see screenshots that they publish making it seem like I'm talking to myself. Now you know that it was simply interacting with a friend.I have even made many friends here, many people know me because I have been very active here.  
+>  
+>I don't feel comfortable attacking anyone. But many of the accounts that attacked me are only a few days old, it could be that they are using alternative accounts. 
+
+**(3)** SacredHam00 wrote the following:
+
+>I'm no longer active on reddit, but I been told about all the stuff that happened, I think you are basically putting a "guilty until proven innocent" situation lol, whatever you think with subjective base can't be used to claim or confirm anything, solid proof must be shown to back up your clarifications about two accounts owned by the same person, which you cant confirm(or deny) 
+
+**(4)** The mods evaluated this situation last week.  After some internal discussion, we decided there was very likely upvote manipulation happening, but decided to not ban these two users.  We think the best way to address the situation is via changing the distribution algorithm going forward and issuing a blanket one-time warning-before-ban to all users that have been engaging in vote manipulation.  More in this thread:
+
+[https://www.reddit.com/r/ethtrader/comments/pq49sf/update\_on\_donut\_farming/](https://www.reddit.com/r/ethtrader/comments/pq49sf/update_on_donut_farming/)
+
+[View Poll](https://www.reddit.com/poll/ptu365)
+So... yes the crash in value sucks, but I am trying to make use of this time to swap my remaining BTC for ETH. The decision for me is based both the ratio hovering at ~ 1 BTC for ~ ~~19ish~~ **22.5 eth**, and the tax implications for whatever BTC gains I have been relatively low compared to other points in time when the market was in bull mode. The last time the market had this combo was in April during the flash crash, and Oct/Nov pre-moon spike. As with anything in this market, I have no idea how this choice will play out, but I have greater confidence in ETH (at least in terms of quality of developers) over the long run. 
+
+Anyone else using this market dip to rebalance/swap coins in your portfolio? If so, which way are you changing? BTC to ETH? ETH to BTC? Something something to or from alts?...or dare I say it, ETH to fiat?
+
+
+EDIT: BTC/ETH ratio free falling. Good time to learn the art of knife juggling.
+Walt Disney Co. announced plans last week to move approximately 2,000 jobs from California to Florida and will reap a nearly $580 million tax break in the process.
+
+
+Disney, as first reported by the Los Angeles Times, applied for a tax credit in December 2019 to receive an estimated $578 million in credits from the state of Florida. The application was approved in March 2020. 
+
+
+
+The company’s plan is to build a campus near the 17-square-mile community of Lake Nona in Orlando, Fla., to house positions currently maintained in Burbank and Glendale, near the studio’s main Southern California campus. These positions will primarily come from Disney Parks, Experiences and Products, including jobs in digital technology, finance, communications, product development and human resources.
+
+
+
+The positions represent less than 5% of Disney’s total staff in California, and the move will take place over the next 18 months. Relocating employees will be offered moving assistance, but the average wage of workers in the facility will be $120,000 a year, according to Disney’s credit application.
+Plenty of people recommending unrealistic ways to make money outside of a day job.
+
+I find this sub a bit more mature and balanced 
+
+Does anyone have a legitimate way to make stable extra income outside of a day job 
+Can be accessed here - [ASX Announcement](https://cdn-api.markitdigital.com/apiman-gateway/ASX/asx-research/1.0/file/2924-02359202-6A1026814?access_token=83ff96335c2d45a094df02a206a39ff4)
+
+ASX:RAC has provided insights into the Phase II Australian, and a surprise Phase IIb European breast cancer trial - really surprised all us long term holders. The trials will be focused on patients who have not responded to other standards of care in the field. This is Pillar 2 of their 3 pillar strategy.
+
+The other two areas have been discussed in other announcements, but this announcement goes into the details of what they'll be doing in simple terms.
+
+This isn't a quick buy then T+2 sell, but something to add to your watchlist if you like what they're doing and believe in bisantrene. I think it's exciting times ahead for not only investors but those who have not responded to current cancer drugs on the market.
+
+* Low SOI - \~138m.
+* Fully funded through 2021 (with all trials).
+* Management paid at 50% salary to keep costs low.
+* Read outs expected all throughout 2021.
+
+What's not to love about this company?
+Large sum of money all at once. What do you guys think the smart thing to do with it? Still need the money to pay the condos mortgage, condo fee and property tax but obviously just one month at a time.
+Or sector?
+
+For me it was Titanium Transportation- TTR (ignoring the high p/e). I try to find small cap companies, with growth potential in a unique sector and a potential growing dividend.
+They are the 12th largest trucking company in Canada now after a recent acquisition allowing them to add more trucks/trailers to their fleet. They also have 5 Tesla trucks on order (fancy).
+
+The majority of our portolio is in VEQT. I was looking at bank ETFs (HCAL, ZEB) to participate in the bull run with the banks, but those MER fees are ridiculous.
+
+Edit: hoping on the bank stocks train would be the opposite of buying when no one is looking.
+As the title states, I’m looking for contrary opinions to the SCR as all I’m seeing is positive. 
+
+Yes there’s the risk of the bill not passing. Other then that, is there anything that should be watched out for as the SCR trucks along? It’s had a huge run up and a subsequent pull back. I do believe   it could pull back to 1.8 range and that wouldn’t be crazy. 
+
+Anybody here a bear on sports betting in Canada or the Score being able to capitalize on it? 
+
+Keep in mind PENN owns 4.7% and I’m optimistic they will want more as Canada legalIzes
+My wife and I are putting 20% down on a mortgage. I would really like to have the home paid off in 20 years, but the interest rate for the 20 year is no different than the 30. 
+
+I’m thinking it would make more sense to lock in for the 30, but pay towards the principal like it’s a 20. My only worry is having the discipline to keep this up throughout the life of the mortgage.
+
+Has anyone done this or does anyone have any tips to keep up on the payments?
+A close relative of mine wants my bank routing number and account number to give me some money as a gift.  I have received money from this person in the past but in the form of a check.  Now they want to deposit it electronicaly because it's easier for them and more secure than sending a check in the mail.  Obviously those numbers are on every check I write so I'm not too worried about giving them out.  The problem is that their bank is going to make a couple of small deposits into my account.  Then I'm suposed to tell my relative what the deposit amounts are.  This leads me to beleive that my relatives bank is trying to verify the owner of the account, right?  They are trying to verify that my relative is the owner of my account in other words.  Won't this allow my relative to not only deposit money but withdrawl it as well?
+So I will soon receive a retention bonus at my job of about 44k. The terms are basically I get the money now and if I continue working there by September 2023, I can keep the money. But if I leave before then I have to pay it back. There's more to it but that's the general gist.
+
+I overall like my job and don't have any plans to leave anyways, however 2 years is a long time. And you never know what could happen. 
+
+However to make it slightly more complex my wife has recently graduated with her PhD and is currently applying for academic jobs that would start in Fall 2022.
+
+My job allows me to work remotely from about 13 states (where they currently do business). In the event that my wife lands a job in a state where I can't work remote we'd still be moving. I can apply to be able to work remote in any state, but there's no guarantee it'll be accepted.
+
+So I guess my question is, how should I go about saving/investing this money? Should I put some % in a HYSA and another percent into like $SPY or another "safer" option? Or should I go all in to one or another? Or a 3rd option I didn't think of?
+
+Thanks!
+I can’t help but feel as though I’m behind for my age group. I’m 27 male from NY. But I’d like a perspective in terms of where I stand financially. Basically I have about 18,000$ saved in checking and savings, I own a 8,000-10,000$ car and my assets acquaint to about 2,000$…So essentially I’m worth about 28,000-30,000$. However, I only get a salary of 24,000$ annually currently since I’m in the military. 
+
+I’m still single. Working on saving more, going out less and want to own property in the near future. 
+
+I’d appreciate advice on what I could do financially to set myself up for success for a future home and family. What should I strive to do, and should I look into investing? My credit score is about 750. And can someone tell me if they considered me behind the all in terms of my salary for my age as well as my net worth. Thanks for the advice.
+I'm 18 and in my second year of college (UK), I have recently decided to open a savings account alongside my regular account. I have a job that pays a bit more than minimum wage, so i'm going to start putting 10% of my wage in my savings account every month. Are there any tips from more experienced savers? Maybe things to avoid or things to help me? 
+
+Thank you
+**DO NOT keep your currencies on exchanges** like Polo, Kraken or Bittrex. Please. For you ; For your friends ; For this ETH community too; For everyone.
+
+The market cap worth $62B grows quickly, we don't want a MtGox 2.0. A hack is the only thing that could kill the far adoption of the last months.
+
+**Don't make the same mistake.**
+I have an opportunity to purchase a duplex with two existing tenants at a price of $169,900.  One unit has been updated; however, the other unit is occupied by a tenant of 7 years who keeps the unit immaculate.  Currently I am having two issues I can't work out to put an offer in.  
+
+1st Issue:  I have about $30K saved with about $25K I am willing to utilize.  This amount does not cover a 25% down payment.  Is 25% down required or can finance with 10%-15%.
+
+2nd Issue:  Current rent is very low and would only produce a cash flow of approximately $600/month without including improvement/maintenance expenses.  One tenant has occupied the updated unit since May on a year lease with a rent of $900.  This tenant most likely will not renew his lease based on his work situation.  The other tenant has occupied the unit for 7 years and pays $700.  If her rent is raised too much, she will not be able to afford it and would move out.  From discussion with the current owner, she has never missed a payment and from my viewing of the property, she maintains her unit so well that it is more appealing than the updated unit.
+
+Does this sound like a good first investment or would I be in over my head.
+
+Thanks for the help!
+https://thehill.com/news/house/3256370-house-approves-bill-legalizing-marijuana/amp/
+
+Just a few minutes ago, the bill passed the house 220-204 with 3 republicans joining all but 2 democrats
+
+The measure now goes to the Senate, where Majority Leader Charles Schumer (D-N.Y.) is working with fellow Democrats to introduce a marijuana legalization bill as soon as this spring.  
+
+But it’s not clear a bill to broadly legalize marijuana could clear the necessary 60 votes to advance in the Senate
+AMD agreed in principal to buy Xilinx for 1.7 AMD shares per Xilinx share.
+
+AMD is trading at 119 dollars, which implies a conversion to 202 dollars equivalent in the swap.
+
+Xilinx is currently trading at 141 dollars...'Splain to me? This discount may be from trepidation about a block from China from this deal going through, but I don't see a solid antitrust argument for doing so given that Intel is the top rival for both of them and neither are in a marketshare monopolizing position.
+https://www.wsj.com/articles/softbank-reports-13-billion-annual-loss-hit-by-tech-share-slump-11652339726
+
+TOKYO— SoftBank Group Corp. 9984 -8.03% on Thursday reported an enormous $26.2 billion loss on its big portfolio of technology companies in the first three months of the year, as the company took a record annual loss for the second time in three years.
+
+“The world is in a chaotic situation,” said Chief Executive Masayoshi Son, citing Covid-19 and Russia’s invasion of Ukraine. “In this chaotic world, the approach we at SoftBank should take is defense.”
+
+Stinging the company were soured investments in numerous startups in its $100 billion Vision Fund, the world’s largest private investment fund that was raised five years ago with the intent to seed a generation of new tech giants.
+
+Among the biggest bad bets was Chinese ride-hailing company Didi Global Inc., which has faced regulatory pressure in Beijing. As of the end of the latest quarter, the Vision Fund had lost $9.7 billion of the $12.1 billion it invested in Didi, the company said.
+
+There is more pain to come: SoftBank said its holdings in publicly listed Vision Fund companies fell by more than $13 billion since its fiscal year ended March 31.
+
+...
+
+In all, SoftBank said the Vision Fund has made just $3.1 billion on the $45.6 billion it invested in its publicly listed companies as of Wednesday’s stock market close, a slim return after five years in which the Nasdaq has nearly doubled.
+
+He devoted much of the presentation to trying to reassure shareholders concerned about SoftBank’s debt levels, telling them that he is closely managing its debt and cash.
+
+In recent months, the company borrowed nearly $6 billion tied to startup investments in its Vision Fund 2 division—an unusual move for a venture capital fund given the high risks involved—and raised additional money through financial instruments tied to its nearly 25% stake in Chinese e-commerce giant Alibaba Group Holding.
+
+...
+
+This earnings report covers up to March 31, 2022.  Think about how much more SFTBY must have lost since then...
+as you can read above, something really gets on my nerves.
+
+I'm someone who didn't learn about finance before Bitcoin. I wasted a lot of money and never really thought about how to manage money properly.
+
+​
+
+A while back I tried to talk to a family member about Bitcoins and why I think it's a good thing.
+
+I got super stupid answers and this person had no interest in listening to me even once.
+
+I gave facts why Bitcoin is the future and they still don't want to listen to me, make me out to be an idiot who doesn't know anything about anything and is going to fall flat on his face anyway because I wasn't really good with money in the past.
+
+Since one would like to help one and is then looked at so stupidly.
+
+​
+
+Yesterday I started another topic. I'm currently looking at a lot of things about our financial system and have decided for myself to have as little cash as possible and rather put it into real estate, bitcoins or other useful investments. That's why I spoke to this family member again, to get another person's opinion on what I'm trying to do.
+
+There I was once again left wondering if I have any idea about these things and they think it won't work anyway.
+
+​
+
+I have made many mistakes in the past. Now I'm trying to work on it and use my money wisely, because I think that the system is slowly collapsing.
+
+​
+
+I'm getting so fed up with it. I don't think I will share a single word about my finances with my family anymore as I don't feel like discussing it.
+
+​
+
+I am still quite "young", have done many things wrong, disappointed many and yet learned from those mistakes.
+
+​
+
+To be honest I hope she will stay so stubborn and will be really angry in the future for not listening to me.
+
+​
+
+I think Bitcoin is still going to be a very big thing and believe that we are still in the beginning with just $50,000.
+
+​
+
+Have you guys had similar situations? Would appreciate some answers and keep hodl.
+
+​
+
+edit: omg thank you all for your big interest and replys about my situation. you are great! keep hodl.
+> Chip designer Advanced Micro Devices, Inc (AMD) announced its decision to acquire programmable computing solutions designer Xilinx, Inc in October.
+
+> As part of its offer and calculations for the deal, AMD provided its future financial projection estimates to DBO Partners, LLC - AMD's financial advisory firm for the entire affair. These projections go beyond the details that AMD had revealed in its financial analyst day earlier this year, and they provide a glimpse into what the company expects of itself over the course of the next five years.
+
+> At the analyst day, AMD provided a compound annual growth rate (CAGR) of 20% for the next five years. During the company's presentation, chief financial officer (CFO) Mr. Devinder Kumar had stated that this figure, part of the company's long term model, was for the next four years - or for the end of the fiscal year 2023
+
+> AMD's EPS forecasts for the fiscal year 2020 and the following five years in the S4 Form are $1.20, $1.56, $2.19, $2.90, $3.41 and $3.90 respectively
+
+[see full article here](https://wccftech.com/amd-22-billion-2025-growth-2019/)
+Hi -  
+
+
+First-time home buyer 715k ( property), 15% down 10k closing costs and my lender says we got a great rate at 3.25%. Then I spoke with a friend who says his lender is getting him between 2.75-2.9% . I mean I know things are different for everyone but my wife and my credit score together are in the 780's. When I search online it says the national average on google are around 3.226% APR.   
+
+
+Then when I go on Bankrate or sites like this: [https://www.forbes.com/advisor/mortgages/mortgage-rates-11-15-21/](https://www.forbes.com/advisor/mortgages/mortgage-rates-11-15-21/)   
+
+
+I see others are in the 2.7 range - am I missing something? My lender let me know that rates went up - but google says they went down .11 from last week. Am I just seeing a search bias? My lender works for one of the largest lenders in the US, and is a great guy, and anytime I reach out he lets me know it's not true, the bond market got hit hard, rates are going up and we got a great deal. Before we started escrow on 10/28th I had 2 other lenders that were offering 3.25 as well - So I felt good about it. Am I overreacting or am I missing something? I meant even if we got 2.9% that .25% does help over 30 years.
+I was £400 in profit, target was £1,000 and then I got a loss, which turned into a losing streak. I can’t stop looking at charts every day and because I have to hit the profit target before a certain time, it makes me take bad trades. Same thing happened with my first ftmo challenge, I was £700 in profit. I got upset that I closed the trade too early because I would have passed my ftmo challenge in that trade. I took a 2.00 lot trade and that started the losing streak. I can demo trade just fine, I passed 3 ftmo trials one after the other. I have been trading since 2020… I think I get anxious because of the time target I have to pass the challenge by. I think revenge trading plays a huge part in me losing. And greed too. It’s frustrating that my emotions get in the way. Any advice?
+When the majority of my income came from how much I worked, I had a very clear model of value of my time.
+
+But as NW increases and the majority of my income now coming from passive investment returns, the old way of thinking about how to value my own time seems completely obsolete. Obviously from a  utility perspective, one can argue with a high enough NW you no longer have to bother with these "is it worth my time vs hiring someone" decisions. But in a weird sense, becoming fatFire made me feel that my value of time is less than before. Does anyone relate to this?
+I'm at 60 - 70% cash right now, which is getting ridiculous. I completely failed to execute my initial plan to allocate 40-50% into RE, given the price at all time high and it's incredibly hard to find good deals. 
+
+Don't have many good ideas on where to put money right now. Also don't want to switch to consumption.
+
+Curious what everyone else is doing?
+Im switching some stuff over from Coinbase to Gemini and just got this message from their system when trying to create a deposit address - "**We are verifying your identity and will be in touch shortly. Gemini is currently experiencing extremely high application volume and there may be delays as the compliance team completes the review of your application.**"
+I just sold some property that has appreciated considerably and have a small lump sum available. I was well on my way to FIRE.
+
+I have another property that is appreciating nicely as well. 
+
+Here is the bad news. i am a cancer survivor and my latest checkup the tumor markers came back slightly elevated. 
+
+Now this may just be nothing, but could be everything. 
+
+I don't think this is fatal but it could be severely disabling and not allow me to work.
+It has got me thinking about how to protect this money to make sure  I have access to it.
+
+EDIT: now that I re-read it, yeah it sounds like I am advocating getting cancer as a way of protecting assets !
+A doh moment. I cant change the title unfortunately
+Hey there, this is Johnny, CEO at KuCoin.
+
+u/HammondXX Thank you for raising your question about KuCoin. As the People’s Exchange, we always pursue user satisfaction. Regarding the issues you mentioned, we are very willing to discuss them openly and transparently.
+
+Firstly, Cloudflare is a world-renowned CDN solution. As you said, one of its main functions is to prevent DDoS attacks, which is also our main purpose for deploying it. Currently, almost all major exchanges are working closely with Cloudflare.
+
+**All exchanges have applied an access frequency limit through Cloudflare to ensure the stability of their services. Once the limit has been surpassed, denial of website access may occur. When setting the limit, we discussed thoroughly with high-frequency traders, like API traders, for instance, before concluding on the limit. We believe that in most cases, the frequency limit will not affect our users. But it is possible that, when there’s a big price move or someone visits the site too frequently, 504 pages may still appear due to the limitation.** We have been working on improving this for a while, and if you encountered such an issue, we would appreciate it if you could share the RAY ID from the 504 pages with our support team so that we can better solve the problem. Thank you.
+
+Secondly, regarding the AWS server, **KuCoin invests a lot in IT infrastructure and network security. Compared with other exchanges of our size and scale, our investment in AWS servers is almost twice as much as theirs.** And we will continue to invest in this sector as we know this is one of the fundamentals of our services.
+
+In fact, as a platform, we care about usability and stability more than anyone else. The access issue will not only impact KuCoin's revenue but also affect user experience. As a platform dedicated to building itself and the industry for the long term, we know that reputation is everything. We hope that all users can trade with KuCoin easily and pleasantly, achieve their investment goals, and even improve their lives. **As a neutral platform, we do not profit from users' liquidation. Therefore, we are constantly introducing new functions and educating users to help them manage their futures positions properly and reduce the risk of liquidation.**
+
+Having noticed that you’ve been banned in the KuCoin Subreddit, I am checking with the team for the reason, but our current guess is due to spamming. We have unbanned your account. All opinions are welcomed in our community, no matter if they are positive or negative. We are very sorry for the inconvenience. As for the Moderator List you claimed that we made private, actually we didn’t change any setting on that. It’s likely because banned users cannot see it. Please check again since you are now unbanned. 
+
+Since its establishment in 2017, we have experienced many ups and downs, but KuCoin always believes in the future of crypto. So, we will continue to invest in our system and strive to provide users with a better experience. I apologize again for the inconvenience. If you have any questions about KuCoin, our 24/7 customer support will always be there to help you out. Thank you.
+At the start of 2020, my father got fired from his director role at a housing complex that he had had since before I was even born. He made around $68k, had good benefits, and had an 825. However, once COVID hit, he couldn't find another job and hasn't had another job since then. Earlier this year, he ran out of his retirement and had to go to rehab due to alcoholism which he has been battling for the longest time. Currently, he has no income, and my mother is covering his bills (e.g., car insurance). My parents divorced in 2010, but we live in the same household. Because of this, my mother is living paycheck to paycheck, making around ~$80k, but has no savings or retirement and has a 550.
+
+In the Fall (of 2023), I'm supposed to be transferring to a university to finish my undergrad. However, my parents are not even close enough for me to get approved for private student loans to cover the rest of my tuition (after fed loans). I'm not in a spot to get approved without a co-signer, and I don't have anyone else that could be one besides them. But I want to solve the core issue.
+
+Does someone else have some similar experience with getting their father out of a rut and working again at an older age?
+
+He's not able to do physically demanding jobs or jobs that require standing for long periods. But I also don't want him to get a job as a greeter at a Walmart. I want him to make decent money (even if it was half of what he was making before). He battles alcoholism and depression, but he stopped drinking in August and has kept busy doing things around the house. I want my family to become more financially stable and secure, and I want to help.
+
+TLDR: My 62 year old father has been unemployed since the start of COVID, has no credit, no retirement, etc. What can I do to help him get out of this rut and back to working a decent job again?
+
+Current age = 55.5. Total assets = 1.4m   
+(including 900+k in 401k plan I discussed in a previous post that generated a high number of responses).   
+
+My company practices so-called *forced ranking*,  
+https://en.wikipedia.org/wiki/Vitality_curve  
+which I despise as grossly political and unfair.  
+
+In years past, I had some anxiety about review season and whether I would be reviewed fairly (usually) or end up taking my turn at the shit end of the bell curve (since this happened one time).  
+But this year I am totally cool. If I get evaluated fairly and get the bonus I have earned (the most likely outcome), I will stick around.  
+If I get force-ranked down to the bottom of the curve, then *I am so sorry I wasn't able to meet your expectations* and *it's not you, it's me* and *two weeks* (bitch).  
+
+So rather than some stress/worry, I am content and at peace with whatever comes up.  
+
+I like to see things written out, so I'm going to make this timeline about (some of) the times Tesla has made inaccurate claims and missed deadlines by a landslide. I believe it is about time that Tesla's and/or Musk's claims stopped being taken as law. The inability to keep on schedule is something which has had me disappointed with Tesla in the past, and it's something that current shareholders seem overwhelmingly okay with ignoring.
+
+Let's look at the track record. I'll fill in the timeline as much as I can, but I'd love if others could contribute. I'll add them as we go along:
+
+***
+
+**2008:**
+
+ - "Tesla Motors, an electric car start-up in Silicon Valley, said Wednesday that it would lay off employees and delay production of its second car, the Model S" ([Source, Oct. 2008](http://www.nytimes.com/2008/10/16/technology/start-ups/16tesla.html?_r=0))
+
+ ***
+
+ - "Mr. Musk posted the changes on Tesla’s Web site. He said the company was in a “critical phase” and would have a positive cash flow within nine months." ([Source, Oct. 2008](http://www.nytimes.com/2008/10/16/technology/start-ups/16tesla.html?_r=0)) 
+
+I may be wrong, but I believe Tesla still has yet to reach a positive cash flow, although they do sound confident that it's on the horizon.
+
+***
+
+**2009:**
+
+ - "Apparently, a number of Roadster reservation holders who had already placed hefty deposits (as much as $50,000 dollars) on the Tesla, had locked in their orders and picked their options recently received letters and phone calls informing them that they were unlocked from their orders and their spot in the line was in jeopardy if they didn't re-option their rides." ([Source, Jan. 2009](http://www.autoblog.com/2009/01/20/tesla-raises-prices-on-roadster-options-sparks-controversy-ang/))
+
+Basically, the Roadster was sold with loads of options included in the price, then Tesla told buyers they needed to pay extra for those options or lose their place in the queue. Here's a quote by buyer #395 from [another article](http://forcechange.com/1881/bad-pr-tesla-forces-pre-ordered-roadster-owners-to-pay-more/): 
+
+"I am [pre-ordered owner] number 395. I am not a rich person dabbling in a plaything. I thought I was actually doing some good by supporting a company that was moving us to a more sustainable future. I put $50,000 of my own money down on this car in May of 2007. I withstood the delays. I held in there when it almost seemed the company was going bankrupt. Now, after locking in my options, they pull this on me. Elon Musk does not understand the power of evangelicals to the cause. Steve Jobs does. The same power that can bring people to the cause can turn the same power in a 180 degree turn against the cause. From this day forward, that’s what I’m going to do."
+
+This is really interesting, because people love to talk about how early Tesla buyers were all so rich they didn't care about the price bump. This proves those claims wrong.
+
+***
+
+**2010:**
+
+ - CEO Elon Musk is now saying he expects to launch the Model S sedan “within two and a half years.” [Source, Jan, 2010](http://sfcitizen.com/blog/2010/01/15/yet-another-delay-for-telsa-motors-model-s-coming-in-850-days-or-so-maybe/)
+
+The base MSRP was also claimed to start at $49,900. The price was later raised and the current base price for a Model S is $70,000 before incentives and savings. That's a 40% increase. If you were to apply that same increase based on percentage, the Model 3 would not start at $35,000 as Tesla leads the media to believe, but much closer to $49,000.
+
+
+***
+
+**2011:**
+
+ - "Three battery options are offered: 160-, 230-, or 300-mile range. Model S comes standard with the 160-mile range battery at the quoted $49,900 base price (after the $7,500 Federal Tax Credit). The 230-mile and 300-mile range batteries are optional upgrades. The 230-mile range option is priced at about $10,000 more than the base and the 300-mile option at about $20,000 more than the base." ([Source, Aug. 2011](http://acarisnotarefrigerator.com/2011/08/04/tesla-readies-the-model-s/), scroll to where it says, "Ownership and Pricing")
+
+This would mean the pricing goes as $49,900, $59,900, and $69,900. This is very inaccurate. The base Model S with a 70KwH, 230 mile range starts at $70,000. The Model S 85KwH Dual motor starts at $85,000 and is the closest to 300 miles of range. It starts at $15,000 more than the original claimed number, with less range. 
+
+***
+
+**2012:**
+
+ - "The seven-passenger Model X promises to be more versatile and family-friendly than the Model S, and will double the size of Tesla’s current U.S. lineup when it eventually goes on sale sometime in early 2015." ([Source, Feb. 2012](http://www.caranddriver.com/news/2015-tesla-model-x-photos-and-info-news)) It is late 2015, and only a handful have been delivered.  
+
+ ***
+
+ - Tesla announces the Model 3 will be on the roads by 2015 ([Source, Jul. 2012](http://www.greencarreports.com/news/1077655_tesla-says-all-electric-3-series-competitor-due-by-2015)). It is November of 2015 and we have yet to even see a rendering, so one could easily draw the conclusion that it won't happen this year. 
+
+***
+
+**2013:**
+
+- "Tesla SEC filing reveals Model X electric SUV production delayed until 2014" ([Source, Mar. 2013](http://www.torquenews.com/1075/tesla-sec-filing-reveals-model-x-electric-suv-production-delayed-until-2014))
+
+Yet, here we are at the late end of 2015 and only a handful have been delivered. There were no deliveries in 2014. At this time, you cannot even access a configurator unless you're an early reservation holder. 
+
+***
+
+**2014:**
+
+ - Tesla Confirms Model X Arrival For Early 2015 ([Source, Jun. 2014](http://www.valuewalk.com/2014/06/tesla-model-x-launch-date/))
+
+Delayed. As has been said, we're in late 2015 with only a handful of deliveries. 
+
+***
+
+**2015:**
+
+ - "On Tuesday, Tesla will deliver the company's first Model X SUVs to customers. By doing so, CEO Elon Musk will make good on a promise to get the Model X to market in the third quarter." 
+
+Wrong. Besides six Model X vehicles delivered ([Source](http://money.cnn.com/2015/09/29/autos/tesla-model-x/) | [LA Times puts it well](http://www.latimes.com/business/autos/la-fi-hy-tesla-modelx-launch-questions-20150930-story.html)), Tesla did not "get the Model X to market in the third quarter". It merely made a handful of them for the sole purpose of pretending they were ready. They fast-tracked just enough to have a few on the road here and there, but unless we're at least in the low four-figure range of deliveries then we can't pretend it's been brought to market. 
+I took a home loan of Rs1600000 (2L down payment) for 15 years at 8% fixed interest. The payments started in Jan 2005 and ended in Dec 2019. As it is a fixed interest loan with effective rate of 5.6%, I never bothered to prepay. The house appreciation was not satisfactory for me. I think it grew at 7-7.5%.  In 2019 Dec, I estimate its value to be around 50L in my hand (Assuming all other costs like registration to be handled by buyer). 
+
+I am and still is in the group of investors who say real estate investment is not worth the hype. But surprisingly when I did this calculation recently, I did very well with this. Now coming to the numbers.
+
+Our house would  have rented for around 7500 in 2005 and 18000 in 2019. A high rental yield than normal. I used these numbers for calculation which are close to actual. Initial cost of acquisition of home is 18L. Appreciation of home by 7%. Rent in 2005 7500 and appreciation by 7%. Home related costs and taxes around 1% of home cost. I did not add monthly maintenance as the rents do not include it. I assumed the investment returns to be 10% (A little less than what I got in last 8 years for a equity + debt mfs).
+
+Now coming to the results - **My home value is 52L**. If I stayed for rent and invested, **I would have  26L** in my hand. I was not at all expecting this as I always told every body that my house turned out to be a dud investment.
+
+Do I move to real estate group now. Definitely not. I think because my entire interest component was eligible for tax benefit (in any year the interest was < 1.5L, then limit) due to smaller home loan, my effective rate turned out to be 5.6%. As I took fixed rate, it never went to the 11-12 range which was the case for most of those 15 years. Which is responsible for this gain. Both may not be possible now.  
+
+I still say people are better investing in other avenues to avoid have RE at more than half of net worth. I also played with my numbers and finally as a pure investment decision this is what I can see which is obvious actually.
+
+Taken a decision to buy home, should you take a loan if you have the money.
+
+Add your expected home appreciation rate and rental yield and subtract 1 from this for maintenance of home. if This is number is more than the effective interest rate you are getting (adjusting for tax benefits), take a loan. If not pay from the pocket.
+
+To buy or rent. (same rule works for second home as investment)
+
+if Expected home appreciation rate + rental yield - 1 is greater than your anticipated investment return, buy else rent. Be mindful of the tax adjustments. Here it is assumed that HRA tax benefit offsets interest tax benefit. But for many paying smaller rents, the interest tax benefits will be high and vice versa.
+
+As you can see very obvious rules. 
+
+Looking at how well it worked out for me, am I going to buy a second home. No. Because right now the second rule suggest I am better off with investment in market.
+
+Also it changes if some body is a home flipper. Like buy a home on loan and sell in 2,3 years. In normal circumstances it always gives great results as it is a leveraged investment. But risk is also proportionate if the home appreciation is not as expected or there is a correction.
+Not associated with the company but I use this portal and I really like it. Got a mail from them today saying they have gone completely FREE for DIRECT investments, for any type of investment (one-time, additional or SIP). Kudos to Clearfunds and hope they keep up with this good customer service even after going free.
+
+Source: https://www.clearfunds.com/pricing
+[https://www.livemint.com/news/india/new-rules-for-salary-pension-emi-payment-applicable-from-today-details-here-11627535584562.html](https://www.livemint.com/news/india/new-rules-for-salary-pension-emi-payment-applicable-from-today-details-here-11627535584562.html)
+
+With 24x7 NACH you would get your salary, pension, FD interest credited to your bank a/c even on holidays and weekends.
+
+Will this step also help investors receive mutual fund redemption amount any faster? If T+X falls on a weekend or bank holiday, will the AMC now transfer the redemption amount using 24x7 NACH even on a bank holiday or weekend, or do we still have to wait for banks to open to get the redemption amount?
+
+Does anyone have clarity on this?
+Im writing this post because i got two calls today with regards to a credit card benefit package. 
+
+My dad got a call first, and thereafter I did.
+
+Here is what happens:
+
+Someone will call you saying that they want to talk to you regarding your credit card. They wont let you naswer and will immediately go on to say that you have a very good "goodwill" with the credit card because you have made your payments on time, and for this reason, the bank is willing to give you some amazing "benefits and gifts" which you will receive on your registered address within 10 working days (when my dad got the call the guy said one week).
+
+After that they will tell you to please verify on the "recorded line" whether you have a visa or mastercard.
+
+Both the conversations did not go beyond this point because i quickly realised what they were trying to do. The first time i simply cut the call.
+
+However, the second time I spoke to a woman named priyanka, and asked her where they were based. She said in tilak nagar in delhi and she was speaking on behalf of HDFC bank. I asked for her actual address, and she said one minute, made me wait for like 15 seconds and then cut the call.
+
+Now, I know most of you guys might be very familiar with credit card fraud, and these kind of activities, but this is something that I just experienced and thought to share it here. If incase you do get such a call try to extract information from them, they will get scared. 
+
+This is the number i got the call from : +91 78359 72162
+
+Tell whoever you can. 
+Tesla's market cap is $60.77B right now (Nov. 9th, 2019) & they posted returns of $6.3B in Q3 2019. [Source link](https://ir.tesla.com/static-files/47313d21-3cac-4f69-9497-d161bce15da4)
+
+Ford's market cap is $35.96B right now & they posted returns of $37B in Q3 2019. [Source link](https://s22.q4cdn.com/857684434/files/doc_financials/2019/q3/Ford-3Q2019-Earnings-Presentation.pdf)
+
+This makes no sense. Ford has way more cash flow annually, yet Tesla is valued far higher by investors.
+
+**Is market capitalization just totally grounded in investor speculation?** Does there need to be any grounding in company revenues at all?
+We purchased our home in February this year and have put a significant amount into it, fixing things that needed doing up. My fiance is calling off the wedding and wants to split up but doesn't want to talk about what we are going to do with the house. She says she doesn't want to sell it in a bad market or rush anything. 
+
+I can't imagine we would get what we paid for the place if we sold. Do I have any options besides selling? If I were to buy her out how would that work? Would I even be able to with rates moving so far since we purchased? For reference I put up 85% of the deposit.
+I saw a graph which showed historic base rate amounts throughout history, 14.8% in 89, 6% in 92, 7.5% in 99, 5% in 08, and then it immediately plummited to 0.5% in 09 and has stated there ever since.
+
+Such a low rate has in my opinion caused personal debt to skyrocket due to everyone taking out lots of credit, house prises to skyrocket and allowed BTL landlords to scoop up all available properties from people causing a nationwide housing shortage. Right now the country is going through one of the worst inflation rates in recent history, and yet they are only dipping their toes in the water increasing the rate by 0.25% at a time.
+
+I suppose this question is purely speculative, but why has the BoE allowed the base rate to remain criminally low for so long, what benefits has this had for our economy, and when do you reckon they will need to raise the rate by a proper amount to control this inflation? 
+
+​
+
+Link for the graph I seen which covers 1988 to 2017 -  [skZBvhp0WjGFurxDinEMnsjah4HKdsOiaGx3\_4jMdZ8.png (2208×1242) (redd.it)](https://external-preview.redd.it/skZBvhp0WjGFurxDinEMnsjah4HKdsOiaGx3_4jMdZ8.png?auto=webp&s=96fbdd8d94ab3a82faffd779b19dc07c93692aef)
+It's me again, bringing you your next ticket to the moon next to Jeff Bezos.
+
+Today's pick is a beaten-down stock, and looks like it's poised for a massive recovery. In this market, where everything seems to go up, there still remain opportunities and this stock is a prime example of that, I'm talking about $SDC, Smile Direct Club.
+
+​
+
+SDC essentially competes with Invisalign in braces. They make aligners to straighten your teeth, nothing too fancy. You can't use their products for the most complicated cases, but works great for milder cases. However, their pricing clearly undercuts traditional braces and reduce the cost of wearing traditional braces ($5'800 on average for braces to $1950)
+
+​
+
+SDC **dropped 25%** just yesterday after earnings. They reported
+
+* $174m or **62.7% growth** year over year
+* Net loss of $(55)m or an **improvement of 41.6%** year over year
+* Adjusted EBITDA of $(22)m, a **decrease of $2m** year over year
+* Diluted EPS of $(0.14), a **44% improvement** year over year
+
+These numbers are great especially considering the extremely cheap valuation and all the headwinds the company faced last year. Most of the issues they faced are one-off expenses and the company is slowly going to get to profitability. Keep in mind that this isn't your typical Pump and Dump ultra high growth stock, this is a **value play.**
+
+​
+
+On their earnings call they said that they were negatively impacted by a cyber attack in April, the lasting economic effects of COVID-19, and the slower scaling of international markets due to COVID. However, they are planning to relaunch in Germany and Spain this year and will resume focus on acquiring new customers. This is essentially a new chapter for their business, as they are going to be more aggressive on their customer acquisition and expansion into new markets.
+
+​
+
+It's important to note that the long-term story for SDC is intact and looks very promising, as they turn their business around to avoid these short-term one-off issues. SDC has a vertically-integrated platform and a very unique way of operating that prevents any other competitors from stealing their business. This is crucial to their business and is what will eventually allow them to grow profitably.
+
+​
+
+Short-sellers seem to have forgotten the long-term growth story of SDC and have just thrown away the stock, and this down move is unjustified, as the future is very bright for SDC. Analysts have all come out and downgraded the stock which pushed prices down even more. The company is expected to grow about 20% this year and 24% in 2022. For a value play, have you ever seen numbers like that, this is not your average boomer stock. I can clearly see a path where this company becomes profitable this year, as they really seem to have shifted focus on **growing profitability.**
+
+​
+
+They could clearly receive a buy-out from Align technologies or another healthcare company. At this valuation, I think major health care companies, manufacturing companies are seriously doing due diligence on SDC. I would clearly see P&G or another conglomerate getting interested in SDC at these prices.
+
+​
+
+Positions:
+
+60x 5$ Calls
+
+10000 Shares
+
+​
+
+**TLDR: $SDC just got slammed on earnings yesterday and dropped 25% to $5. $SDC is a great value play at this cheap valuation. As they shift their focus towards profitability, the recovery to $10. Hop aboard with dirt-cheap calls.**
+
+EDIT: There seems to be some controversy among dentists about SDC products, please be careful and read u/TheFatOneKnows comment to learn more. Thanks for pointing this out and trade carefully
+**My dearest apes,**
+
+​
+
+This something that has been weighing on my mind for quite a while. **Where are the short positions?** Well, we all have heard the rumors of **resetting FTDs with the use of the options chain**. Being the ~~wrinkle brain~~ retard that I am \*wink wink\*, I've decided to do a little digging. Most of the solid theories people have about hiding short positions comes from this SEC paper: [https://www.sec.gov/about/offices/ocie/options-trading-risk-alert.pdf](https://www.sec.gov/about/offices/ocie/options-trading-risk-alert.pdf)
+
+​
+
+Coincidentally \*wink wink\*, there just so happens to be some really insane stuff going on in the options chain of $GME. And a lot of it started... \*gasp\*... when the price jumped to $483 and the short interest suddenly dropped from \~140% to \~30%. So, what do you say we look a little deeper into the options chain, Kenny?
+
+​
+
+​
+
+[from: https:\/\/www.barchart.com\/stocks\/quotes\/GME\/put-call-ratios](https://preview.redd.it/bsxz0n0f9s571.png?width=1157&format=png&auto=webp&s=00894296b776243a7257e58a317e226c85700409)
+
+​
+
+This is the options data for all of the currently existing $GME options. There are a few things that strike me as odd. The main thing is: what is up with the huge amount of put open interest for the 7/16 expiration date and 1/21 expiration date? Let's take a closer look at the 7/16 options chain specifically.
+
+​
+
+​
+
+[from: https:\/\/www.barchart.com\/stocks\/quotes\/GME\/options?moneyness=allRows&view=stacked&expiration=2021-07-16-m](https://preview.redd.it/85976zk0as571.png?width=1157&format=png&auto=webp&s=7d7071a130a47b22977aad47d2dd8b6d835c4102)
+
+​
+
+**WOAH THERE, KENNY!** You're almost making it too easy. As you can see, an **ENORMOUS** amount of the open interest comes from way, way, way, way, way OTM put options. In case I wasn't clear, these puts are stupidly out of the money at a price point that will never be reached again. Find me another stock that has this sort of bizarre options activity and I'll trade you one $GME share. "Okay, well so what?" you ask. "These options have been purchasable since June of 2020. They could've been bought by bears back then who were still convinced $GME was going to zero." Oh really? Let's take a look at a graph of the open interest, then.
+
+​
+
+​
+
+[from: ThinkOrSwim platform](https://preview.redd.it/4vmae7syas571.png?width=1546&format=png&auto=webp&s=2cdd8cf91984923c4a2c5000acc7dbf7c60ee1e0)
+
+​
+
+As you can clearly see (or maybe not so clearly, it's kind of shit quality), the open interest doesn't enter significant numbers until 1/25. From 1/25 to about 2/3, the open interest spikes from near zero levels to 80,000. This coincides with $GME's initial gamma squeeze. The second spike from 80,000 to 140,000 occurred from 2/23 to 3/23. This coincides with $GME catching it's second breath, the run-up that followed the 2/24 spike, and the eventual fall from near-peak levels.
+
+Ok, so it's obvious someone really needs these worthless put options for something. Now, let's start to do some statistical testing. I'll try to keep this simple for all of you smooth-brains out there.
+
+​
+
+So, the working theory for a long time is that SHFs reset their FTDs using tricky options trades outlined in the SEC paper I linked above. It basically involves a bunch of synthetic positions that make the balance sheet look like you've covered your shorts. (NEWS FLASH: THEY HAVEN'T). So, if we are looking at FTDs and the use of these worthless put options (If I haven't emphasized enough how weird it is for these stupidly OTM put options to have this kind of activity, here it is: THIS IS FUCKY SHIT GOING ON HERE THAT IS COMPLETELY ABNORMAL) and FTDs, what can we expect to see? Well, we would expect to see a negative correlation meaning: as the FTDs are hidden away, the open interest in these puts (used to reset these FTDs) should go up. So how do you test for something like this. \*ENTER EXCEL\* (or Google Sheets because I spent all my money on $GME).
+
+​
+
+So here was my process. I am going to get FTD data from pre-January-run-up to April 28. I'm then going to get the open interest of this specific put option for the same dates and run a Pearson Correlation Coefficient these two data points to check for a correlation.
+
+​
+
+Here is what I am working with:
+
+[from: my brain](https://preview.redd.it/2jl7v64gds571.png?width=1064&format=png&auto=webp&s=f74833a9d05ba9b1c67249cf20d1849fa644eef4)
+
+​
+
+You can't really see in the screenshot, but there are a lot more rows of this FTD and open interest data. Now, this **DOESN'T EVEN INCLUDE ETF FTDs AND IS ONLY ONE OF THE OPTIONS CONTRACTS FOR THE ENTIRE CHAIN** and still there **IS A STRONGLY NEGATIVE CORRELATION**, exactly what we hypothesized from earlier.
+
+​
+
+**Unfortunately**, I don't have the time to sit down and look at every contract's data, all the ETF FTDs, and the other chains from 01/22/22. But I have glanced at the open interest charts for a lot of them, and they all look EXTREMELY SIMILAR to the contract I showed you today. I suspect if I did sit down and do the grunt work for every single chain and contract, the correlation coefficient would probably increase.
+
+**Fortunately**, though, a -0.67 correlation is considered to be strongly, negatively correlated (anything of +/- 0.5 is considered to be a strong correlation).
+
+**So let's wrap this thing up shall we.**
+
+1. SHFs "reset" their FTDs using nifty options tricks.
+2. As FTDs go down, nifty options should go up. (Negative Correlation)
+3. After running a Pearson Correlation Coefficient, I have found a STRONGLY, NEGATIVE correlation, exactly what was hypothesized.
+
+​
+
+**So questions after reading this DD:**
+
+1. **Should my tits be jacked?**If this doesn't confirm your bias I don't know what will.
+2. **What are your qualifications?**I eat crayons for breakfast, lunch, and dinner. Seriously, though, I don't do this for a living. This has just been an interesting side project to confirm my own bias, and I thought I should share the results with all of you.
+3. **What mean?**Statistically, it's highly likely the SHFs are using the techniques we've been suspecting them of to reset FTDs.
+
+​
+
+So that's it apes. If I've fucked something up majorly, please let me know so I can make the necessary corrections.
+
+**TL;DR**: See question #3
+
+​
+
+**Edit 1**: I now realize I should have went more in depth to the SEC paper to explain how they are using options to reset the clock. The idea is that you use a married put trade with a synthetic long rather than buying shares. This would look like: 
+
+buy put + sell put + buy call = married put
+
+Note the put/call ratio of these transactions would be 2. So, as long as the put call ratio for each particular option chain is above 2, it would be valid to say that it is possible that these techniques could be being used. My post aims to prove statistically that these techniques are being used. So with the put/call ratio of the 7/16 options being above 2, I am aiming to correlate the FTDs with the opening of these contracts. 
+
+Here is the section of the SEC paper that talks about the married put trades being used to reset the clock.  [https://imgur.com/a/dWKtvF0](https://imgur.com/a/dWKtvF0). The full paper is linked at the beginning of this post if you are interested in reading. 
+A cautionary tale for all those who read that getting a new offer is a good way of leveraging a raise at your current job - if you do this be prepared that you may have to walk away. 
+
+I have been bored, mildly stressed, and grossly underpaid at my current job. I had been looking around at other jobs and submitting resumes, and recently was asked to interview at a position that paid 15-20% more than I currently make. As I went along the interview process I realized this new job would be more hours, less flexibility, and more stress. I figured worst case scenario they would make me an offer, I could use it at my (then) upcoming employee review to try and get a raise.
+
+Welp, I went into my review and told them of the offer, and they didn't attempt to counter. Boss basically said 'okay, when is your last day going to be?'. Now I am suffering from job buyers remorse, and don't think the extra money from the new job will be worth everything else that goes along with it.  
+
+Also totally screwed myself out of a hefty bonus. Maybe I should x-post to TIFU.
+
+
+
+
+
+Edit: obligatory 'this got way more attention than I thought it would.' I just want to add some context. 
+
+One - I did not go to my employer demanding a raise 'BECAUSE OFFER' like many assume, I was very brief in my original post and the actual conversation was far more civil than I implied, and a lot of the acceptance regret came after I agreed that leaving was best. (Change is terrifying amirite?)
+
+Two - I am getting replaced by a outsourcing company in India which will cost my employer probably half of what they currently pay me in salary and other benefits. My boss ultimately looked at their bottom line and realized they had an opportunity to get someone to do my job at half the cost of my salary and benefits, without having to lay me off and pay unemployment. The more I think about this the more I realize this is exactly why I wanted to leave because its indicative of how they view their employees, I was just reallyyyyy dumb in how I went about it and jumped the gun. 
+
+TL/DR Summary - Don't give your notice and reference a new job offer unless you're 100% willing to take new job. Duhhhhh.
+
+
+THIRD EDIT: I want to add that I have never not been a model and hardworking employee, and had a good relationship with my boss. I am an international account coordinator, part of my job is sales and another part is coordinating projects around the globe to ensure my clients get what they want when they want it. I was naive and thought that this was un-outsourceable. (In hindsight, the signs were there. Other people who left were never replaced, or new projects were sent to 3rd party companies etc...) I thought I was that employee that would be indispensable, but I failed to consider how 'penny wise pound foolish' my employer could be, and that they ultimately would always put their bottom line ahead of relationships. Again this is a legitimate reason to leave a business as well as a good thing for me to get out ahead of it. I just should have not jumped on the opportunity with a new offer I wasn't sure about.
+
+
+Welcome to the **/r/EthTrader** Daily Discussion thread. The thread guidelines are as follows:
+***
+
+-  Discussion topics include but are not limited to general discussion, details related to events of the day, technical analysis, Ethereum Classic, and minor questions.  
+-  Important content should be posted as a separate thread.
+-  Be excellent to each other. 
+
+***
+
+Thank you in advance for your participation. Enjoy!
+
+I would like to know what the people of ethtrader are planning on doing with their holdings of ethereum in the lead up to bitcoins potential fork.
+The reason being I am still undecided on the whole situation and how it will affect the price of ethereum, I would like to hear your perspectives and reasons why you are going to do what you are doing. 
+
+HODL - probably easiest and safest option. I don't think it will happen because most BTC investors would move to fiat as a first option but I can't not help to think that BTC investors would want to move their holdings to another coin potentially as they can see bitcoin may not be the dominant coin in the near future?
+
+Sell - you think bitcoins price will directly affect ethereum because bitcoin is essentially the dad of all the cryptos. You want to sell high and buy low
+
+Buy - buy dat mfukin dip (if it dips at all)
+
+Trade - wait till the day and see what the markets are doing and trade accordingly 
+The landlord said that they have a paper that they're having all of the tenants sign.  They won't go into too much detail about it but they said it isn't specifically for me.  The 3 months I've been here to rent has been paid on time.  When saying that I want to review this paper with my wife and compare it to the lease to see what's changed they start acting weird about it and saying that it's not changing anything.  I don't know what this paper entails but she said "the boss wants all of them signed today and they will be around to pick up the rent and sign the paper". Should I refuse to sign this paper no matter what it says because I'm not obligated to?  I just feel like any additional paper I signed to the lease is obviously putting me at a disadvantage no matter what it says.  I will update to tell what the paper says after they come.  Is there any action they can take against me?
+
+EDIT: UPDATE it was a paper saying that they are increasing the late fees to $20 a day and eliminating the 5 day grace period.  I got the paper said I would review it and texted them back to say I won't be signing.  I said that the lease is good for a year and that I may not have signed in the first place if I knew that I would have to pay $20 extra even if my rent was paid on the 2nd.  They must have realized that they have no legal grounds for me to sign it because I haven't heard back.  Thanks for the advice everyone, I mainly wanted to know if there were any consequences for not signing because it didn't seem right for them to change the terms of the lease on a whim and also if anyone else would just have signed to avoid trouble.
+Guten Morgen to this global band of Apes! 👋🦍
+
+I am posting this at the usual time in the USA, but the data will begin updating an hour later than usual due to the difference in Daylight Savings time between Germany and the USA.
+The updates will continue for one hour instead of two.
+The normal schedule will resume next week.
+
+As many noted, yesterday's GME market activity showed many signs of manipulation.
+If there was any doubt in your mind that the SHFs still care *deeply* about keeping the price in check, please let those doubts wash away.
+The price rose sharply to nearly $35, triggering a halt.
+It then fell just as sharply, triggering another halt.
+Throughout the day, it amassed over 10 times the volume of last Thursday, ultimately ending up a tiny bit.
+If the Ortex data had any truth to it, it seems that a portion of those shares were deployed to keep a lid on the price.
+
+Fortunately, there is *nothing* that they can do that they haven't already tried, or that our Diamantenhände haven't fended off before.
+We know the value of what we HODL.
+These events are exciting, and any hopes that the SHFs have of shaking our confidence is misplaced.
+The MOASS is inevitable, and we are here to see it through.
+
+Today is Tuesday, November 1st, and you know what that means! Join other apes around the world to watch infrequent updates from the German markets!
+
+###🚀 Buckle Up! 🚀
+***
+
+
+- 🟩 60 minutes in: **$29.63 / 29,78 €**  *(volume: 4796)*
+- 🟥 55 minutes in: $29.54 / 29,68 €  *(volume: 4624)*
+- 🟩 50 minutes in: $29.55 / 29,69 €  *(volume: 4267)*
+- 🟥 45 minutes in: $29.52 / 29,66 €  *(volume: 3676)*
+- 🟥 40 minutes in: $29.55 / 29,70 €  *(volume: 3616)*
+- 🟥 35 minutes in: $29.56 / 29,70 €  *(volume: 3509)*
+- 🟩 30 minutes in: $29.58 / 29,73 €  *(volume: 3499)*
+- 🟩 25 minutes in: $29.51 / 29,66 €  *(volume: 2463)*
+- 🟩 20 minutes in: $29.37 / 29,51 €  *(volume: 2023)*
+- 🟥 15 minutes in: $29.11 / 29,26 €  *(volume: 1733)*
+- 🟩 10 minutes in: $29.13 / 29,28 €  *(volume: 1084)*
+- 🟥 5 minutes in: $29.09 / 29,24 €  *(volume: 584)*
+- 🟩 0 minutes in: $29.13 / 29,28 €  *(volume: 554)*
+- 🟩 US close price: $28.31 / 28,45 €   *($28.90 / 29,04 € after-hours)*
+
+
+***
+FAQ: I'm capturing current price and volume data from German exchanges and converting to USD. Today's euro -> USD conversion ratio is 0.9951. I programmed a tool that assists me in fetching this data and updating the post. If you'd like to check current prices directly, you can check [Lang & Schwarz](https://www.ls-tc.de/de/aktie/gamestop-aktie) or [TradeGate](https://www.tradegate.de/orderbuch.php?isin=US36467W1099)
+
+Diamantenhände isn't simply a thread on Superstonk, it's a community that gathers daily to represent the many corners of this world who love this stock. Many thanks to the originator of the series, DerGurkenraspler, who we wish well. We all love seeing the energy that people represent their varied homelands. Show your flags, share some culture, and unite around GME!
+I want to structurize and automate my days as much as possible. What does your daily routine look like, and what tools do you use to structure and streamline your daily activities?
+Inflation US is a pump and dump scheme and  George4title and the producer Jonathan Lebed are shameless conmen playing on your fears of a coming economic collapse.
+
+George4title is a frontman for the website Lebed.biz. The National Inflation Association and its newsletter are also just a front for Lebed.biz where Lebed and George exploit your fear of a coming economic collapse by selling you penny stocks where Lebed owns a majority himself. Once enough suckers have bought in he sells the stock and makes a fortune while the stock crashes and you lose almost everything. 
+
+So my ex tenant is asking for a nearly 5 figure sum of cash to replace their moldy furniture. Here’s the timeline of events.
+Tenant moved in about a year ago and bought new bed and curtains.
+Around late December during rain event tenant noticed a high amount of condensation on walls and windows of master bedroom.
+A handyman was sent in a couple days later to find a leak, or source of moisture, nothing found, but crawlspace under house was damp.
+Shortly after, tenant noticed bath faucet leaking, and a plumber was sent out at soonest availability to fix. Bath faucet had been leaking through wall and into crawlspace. The leak was minor and the plumber didn’t believe it was enough water to cause the issue. By early jan, the tenant noticed mold growing on baseboards and bottom of mattress.
+A mold and water damage company was sent out the following day to assess and found the mold was just surface mold and could be easily wiped up. But the damp conditions persisted.
+A plumber was sent out again to look for sources of water and couldn’t find anything.
+Around this time, I offered to give the tenant her final 30 days at no cost so they could leave before I continue searching for the issue.
+The tenant remained in the house for another 25 days while more furniture and linens became damaged.
+Tenant is now asking for a large sum of compensation including moving expenses. The renters insurance won’t cover damages without a direct cause 
+I feel that I tried to solve the issue in a timely manner and am not directly responsible. The tenant also did not notice the increasing mold until it was too late and nothing could be done. The main cause is still uncertain and I’m hiring professionals to clean up the landscaping and roof to rule them out as causes before selling or renting the property again.
+Thoughts?
+It may sound shocking now, but in 2010 it was reality.
+
+The creator of website **“freebitcoins.appspot.com”** where user could collect free Bitcoins is Gavin Andresen. The website is not working anymore. Each of users received 5 Bitcoins per day just by solving captcha. The purpose of this game was to promote cryptocurrencies and Bitcoin itself. Looks like the purpose got fullfilled.
+
+[This is how the default page of the faucet looked like.](https://imgur.com/gallery/HvnAZ2k)
+
+To fuel the first faucet, Andresen loaded it with 1,100 BTC of his own. After these were given away, the faucet was reloaded, with early bitcoin miners and whales also donating coins.
+
+Andresen said that: “Bitcoins are a new kind of money, and that they aren’t created or controlled by a government like USD or EUR, they’re created and controlled by anybody who wants to be part of the Bitcoin payment network.”
+
+This faucet managed to give away to people 19,700 Bitcoins which is now worth $1,171,852,530.
+
+[Here is the Andresens original post about the faucet that he posted in June 11, 2010](https://bitcointalk.org/index.php?topic=183.0). I highly recommend you to read it. To imagine that someone gave him back 50 BTCs just because he felt bad for getting 5 for free is ridiculous now.
+
+I thought it would be great idea to share this nice piece of history.
+
+Have a nice day !
+In response to this thread: https://np.reddit.com/r/legaladvice/comments/6e1xhz/maryland_my_mother_died_last_night_at_47_im_24/
+
+I thought there was a FAQ for this topic here, but I don't see one in the sidebar. Did I miss it?
+
+I said this in a comment but I’ll post it here as well because I have had LOTS of friends ask for help and I want to make sure we have the least amount of BagHolders possible. 
+
+OTC means over the counter. A lot of penny stocks mentioned here are not approved to be traded on the Nasdaq. Robinhood very rarely if at all allows traders to trade on OTC positions because they’re such high risk.
+
+Right now everything is great and any blind monkey is making money, but sadly, a lot of people in these positions will over leverage, “buy the dip”, then be down thousands of dollars wondering what went wrong.
+
+OTC’s are incredibly volatile often swinging 30-50% a day.
+
+#OTC STOCKS WILL VERY COMMONLY DO PUBLIC OFFERINGS TO RAISE CAPITAL FOR THEIR COMPANIES THIS CAN BE VERY COMMON CAUSE FOR LOSS OF MONEY AND WILL ALMOST ALWAYS HAPPEN TO OTC STOCKS THAT SEE VERY LARGE SURPRISE JUMPS IN VALUE BUT IF YOU TRUST THE COMPANY YOU CAN BUY THE DIP WHEN STOCK FALLS BELOW OFFER PRICE. 
+
+I use A broker (not advertising for anyone) for them and pay the $6.95 on trades because it makes sure I’m confident when I want to buy or sell and they update quickly and don’t have reading or cash restrictions like fidelity does for a lot of their OTC stock.
+
+If you invest in an OTC stock have a plan because if you just yolo buy dips you could be looking at a destroyed position.
+
+Source... learned a lot from trial and error
+
+Also another thing I’ve seen migrate onto this sub is diamond hands and paper hands.  Here in PennyStocks there is no such thing.  You sell when you are happy with your profits and watch that moon rocket go off without you.  If you want to chase the high sell back for most of your money and let the rest fly.  
+
+There will literally almost always be another winner in this world and it’s better to ride in first class 100x then to fly on a G6 once that crashes into a mountain.
+This is my first year investing money and as I look over my Q4/yearly numbers, I'm happy to report that for the first time in my life, my money made money! It's small fries for now, but I made 10,000 that I would not have made otherwise, so it's big for me!
+
+I feel like my money is all grown up and it has it's own job!
+ Congratulations to every single person who played a part in getting the eth2 Beacon Chain to mainnet - you are forever legends. 
+
+​
+
+[Beaconcha.in](https://preview.redd.it/g6ps4d45ik261.jpg?width=1379&format=pjpg&auto=webp&s=a7aa9ffd201084313c91b625be8e598e657bff7c)
+
+​
+
+ Active Validators: 21,063
+
+​
+
+[Genesis Checklist](https://preview.redd.it/p1j3mlgcik261.jpg?width=1634&format=pjpg&auto=webp&s=7409a4e57f4f6943a4a06111b55cf49dc2c11969)
+
+Its a great news guys, How are you feeling on this today, My eth bags will rocket soon I am damn high today
+Like a lot of people I want to invest in companies that have similar values to mine or that claim to do "good." The most troubling thing though is that there is no clear definition of ESG and on top of that there is a lot of greenwashing going on. 
+
+Came across [this article](https://www.bloomberg.com/graphics/2021-what-is-esg-investing-msci-ratings-focus-on-corporate-bottom-line/) in Bloomberg talking about how MSCI's ESG ratings are a scam. Then earlier this week came across [this piece](https://www.wsj.com/articles/esg-investing-can-do-good-or-do-well-but-dont-expect-both-11643033321) in the WSJ on how investors have to make a choice between returns and "doing good."
+
+I came across [this](https://app.composer.trade/symphony/BHqkTvrR230ReVCgSReB/details) strategy that invests in Sin ETFs as a hedge for when the market starts to turn.
+
+​
+
+[The performance seems to track the S&P 500 pretty closely.](https://preview.redd.it/exvq5lzyy4e81.png?width=2798&format=png&auto=webp&s=50606ac244af004282560776f896884e0ed32296)
+
+https://preview.redd.it/ehjcswgaz4e81.png?width=2740&format=png&auto=webp&s=ae7f9ba3d10ca0633e2e0ed809fc6fec376a40a0
+
+However, given the market over the past few years it's only exited into 'Sin Stocks' a few times.
+
+https://preview.redd.it/cotm5ly7z4e81.png?width=2770&format=png&auto=webp&s=f6581a317eb67bf7adec5cebe515ddce39b9c400
+
+How are other people thinking about incorporating ESG?
+I was checking EQQQ holdings and realized that 1/3 of its portfolio is driven by Apple, Microsoft and Amazon. Don't get me wrong, EQQQ may be a promising investment and I do believe in its potential to grow. But, wouldn't be a better option to buy shares in these top 3 companies separately instead of paying a TER of 0.4%?
+Just started a position in QQQJ. I’m excited to see how this etf will perform over the next couple years. Will be buying shares weekly!
+
+Who else has been buying QQQJ and what are your prospects for its future?
+
+Thanks, 
+Pauly
+I am in my early '40s and looking for a growth ETF portfolio for say next 15 years. I came up with a portfolio for m1 finance which I am planning to use for my early retirement if it grows substantially.
+
+FYI I already have a separate portfolio that consists of VOO, VTI, and VXUS. I have not included the ARKF here as I am already buying ARKF separately on a recurring basis.
+
+I thought of including ESPO and EDUT but not sure what will be the return in the next 10 years.
+
+\*\*This is a ROTH IRA through Backdoor ROTH Conversion. I can not directly contribute to ROTH IRA due to the income limit.
+
+QQQM 25% (Instead of QQQ due to expense ratio)
+
+MGK or VGT 25%
+
+SCHG 21% (I chose SCHG over VUG)
+
+ARKK 5%
+
+ICLN 5%
+
+VOT 5%
+
+VBK 5%
+
+~~ARKQ~~  BOTZ/ROBO 3% (BOTZ has less expense ratio)
+
+ARKG 3%
+
+~~ARKW~~   XBI 3%
+I know it impossible to really gauge this question because it is based on everyone’s specific risk tolerance. But do one thinks it’s too risky to go all in 50/50 on QQQM and SCHD in a Roth IRA?
+
+Background: I’m a 35 y/o. High paying job. Great job security. Have a decently funded TSP I contribute 6% but with the match that’s 11% contributed biweekly to my retirement. So my Roth isn’t my primary. I plan to retire in 25 years. 
+
+I want to keep my investment simple. Right now I’m 80/20 in FZROX and VXUS
+I'm receiving $10,000 (NZD) into my account on the 22nd of this month.  
+
+
+I've been experimenting with a variety of ETF's but I don't have any more than a few hundred in VOO and QQQJ respectively. I chose QQQJ due to the low share price   
+
+
+Where would you suggest I put this 10,000? I'm looking at leaving it for long term gains over the next 15-20 years or more, and continuing to put money in each week as I'm paid.  
+
+
+Where do I begin though? I hear good things about SPY and VTI, but could anyone provide some insight as to why these are good?   
+
+
+Sorry if this is a bit rambling, I've been investing in stocks for several years now but this is my first foray into ETF's.   
+
+
+Cheers :)
+The system is a fucking joke and no one seems to give a shit. Either that, or they are just ignorant and naive. I'm convinced that some serious change needs to happen and we need to be the ones the spread the word. 
+
+Let's look at the recent comment by one of the most successful investors of all time with an astounding 69% return over the past year, Nancy fucking Pelosi. In what world should a politician be able to trade stocks in companies they literally make laws for. What fucking crack is she smoking to think that's ok. We literally live in a world where it's more of an issue for NBA refs to bet on NBA games. 
+
+We had 3 congressional hearings for GameStop. What a crock of shit. We wasted valuable taxpayer dollars for them to investigate an event that was confirmed by the SEC to be driven by retail buying pressure. Meanwhile we had Nancy Pelosi and her team of criminal politicians profit off the pandemic based off insider trading. Not a fuck was given. But God forbid some random redditor makes bets his life savings on a supposedly dying brick and mortar company. DFV was questioned by Congress for buying and holding a stock that he liked. Where's the same scrutiny to Pelosi and her pals. I also found it funny how DFV answered all his questions alone, meanwhile Ken Griffen needed multiple lawyers in the room to answer his questions. Why so serious Kenny boy, got something to hide?
+
+Now we can't just pin all the blame on the politicians cane we. We can't forget the major player that is the media. Spreading literal propaganda. If I had a dollar for every "don't buy GME, buy x stock instead" I would be the next Ryan Cohen. You would think ridding all debt, raising billions in cash, restocking the executives, and all the other good things GME has done should warrant some praise. Nope, not a fucking thing. People seem to forget how big the media conglomerate is. Most of the big media companies are all owned by the same parent company. Everyone is in bed with everyone. 
+
+I think the thing that really did it for me was the recent motley fool article where they claimed Meme stocks could be responsible for a market crash. GME is an $11 billion market cap company, please tell me how a stock market worth trillions and trillions of dollars is affected from "leveraged investors may have no choice but to retreat, causing increased market volatility." But of course if GME went bankrupt, like the media is constantly implying will happen, that would be no issue and the market would be fine. At some point people need to realize that buying and holding a stock should not cause stress on the financial system. 
+
+I know this may seem like a bit of a rant and it kind of is but I just don't know where else to get this out. I would love for someone to prove me wrong and I can move on my life but I know that's just not possible. As some point, if it looks like a duck, quacks like a duck, and walks like a duck, it's probably a duck. This is where we are at with this situation. Literal dogshit wrapped in catshit. 
+
+I do have hope that a new system is in the works but for now we gotta deal with what we have. I ask that everyone spread the knowledge about how corrupt our system is because the more people that realize, the more likely something is going to be done about this. Maybe web3 and blockchain is the key as I'd love to see them try and cheat the public blockchain ledger. Keep your head high apes. Buy, HODL, DRS. The music will stop and when it does, be ready. 
+
+GME till I fucking die.
+
+Edit: Oh before I forget, self regulation is fucking retarded. Like utterly stupid and immensely retarded.
+EDIT since I can't edit title now: March, not Feb.
+
+Hello,
+
+Right now the interest rate on FD is 4.9% in ICICI. At the same time the liquid fund of ICICI Prudential: https://www.moneycontrol.com/mutual-funds/nav/icici-prudential-liquid-fund-direct-fund-growth/MPI1216 has a one year return of 3.93%.
+
+Now I understand liquid funds are evaluated from a PoV of liquidity and safety over returns, however in 2021 it takes 1 day to liquidate a FD in ICICI/HDFC etc. online and given the banks are systemically important it's as safe as safe can be.
+
+My question then would be, what am I missing here in terms of why one should prefer a liquid fund over a bank FD?
+
+Should one instead be looking at this as a choice between keeping the money in a bank account vs liquid fund instead of FD vs liquid fund? If yes, assuming one won't have a "very urgent" cash requirement where they need funds under a day, should one keep the "mostly liquid" part of their portfolio in FDs over liquid funds right now?
+
+What are the other evaluation criteria that I'm missing?
+
+I thought about indexation but since these investments aren't meant for compounding over a long horizon and would certainly be liquidated at the 365 + 1 day mark, as I understand it the indexation factor wouldn't be high enough to make much of a difference. More than likely one would pay STCG instead of LTCG too if they don't take it to the full 365 day mark.
+ The Securities and Exchange Board of India (Sebi) is planning to limit investors’ exposure to shares and equity derivatives in line with their net worth, said three people with knowledge of the development. The move is aimed at preventing individuals from going overboard on equity investments, considered riskier than bonds.   
+
+
+Globally, regulators are implementing parameters such as education as filters for investor suitability in relation to risky instruments. However, such criteria are difficult to implement in India, Sebi feels.   
+
+
+[source](https://economictimes.indiatimes.com/markets/stocks/news/sebi-plans-to-cap-investors-equity-exposure-in-line-with-net-worth/articleshow/65381833.cms)
+Markets have been falling for many days now. 
+
+Nifty50 has reached its [January 2018 level.](https://www.tradingview.com/symbols/NSE-NIFTY/)
+
+NiftyNext50 has reached its [may 2017 level.](https://in.tradingview.com/symbols/NSE-NIFTYJR/)
+
+For those who want to invest in index funds, is this a good time to invest since they may get more units now as NAV will be low? Is this what investment gurus say, buy when others are selling as the funds are now undervalued?
+Markets have been falling for many days now. 
+
+Nifty50 has reached its [January 2018 level.](https://www.tradingview.com/symbols/NSE-NIFTY/)
+
+NiftyNext50 has reached its [may 2017 level.](https://in.tradingview.com/symbols/NSE-NIFTYJR/)
+
+For those who want to invest in index funds, is this a good time to invest since they may get more units now as NAV will be low? Is this what investment gurus say, buy when others are selling as the funds are now undervalued?
+I understand that many were losing money and had outrages prices. However, what caused the bubble to actually bust? I looked at the timeline and from that it seemed like the rise in interest rates did it and everyone got spooked.
+
+
+I understand there were failed mergers, but I don't think it was that. And 911 made it worse, but didn't start it. Bankruptcies seem like an obvious catalyst, but prices started dropping before that happened.
+
+
+I'm just wondering how people instantly switch from "stocks will only rise" to "sell, sell, sell."
+**Going well:** no surprise:oil/gas, gold, copper
+
+cdn banks, CP, CNR, also TELUS is holding up like a real trooper (for now anyway, fingers crossed it continues).
+
+also costco.
+
+**In the toilet**: hut, magna, faang, semis, sofi, upstart, livenation, US banks...
+
+heck look at **AC under $20.**..is back to where it was many months ago...ugh!
+
+***QUESTIONS***
+
+**1/are you nibbling right now, or holding back...?..***
+
+***i fear more correction is only going to happen so better sales are yet to come.***
+
+**2/ how long do you think this oil/gas/materials rally will go on for?** ...many of us are riding this bull but for how long right...esp given there are fears if oil goes too high then a recession could rear it's head.
+
+Have a read:
+"How to know when oil prices will cause a recession, and what to invest in" https://www.cnbc.com/2022/03/06/how-to-know-when-oil-prices-will-cause-a-recession-what-to-invest-in.html
+
+I know oil/gas analyst Eric Nuttall feels this oil bull run could go on for years but what are your thoughts.
+Welcome to the **/r/EthTrader** Daily Discussion thread. The thread guidelines are as follows:
+***
+
+-  Discussion topics include but are not limited to general discussion, details related to events of the day, technical analysis, Ethereum Classic, and minor questions.  
+-  Important content should be posted as a separate thread.
+-  Be excellent to each other. 
+
+***
+
+Thank you in advance for your participation. Enjoy!
+
+Disclaimer: please do not turn this into a flame war. Responding to a candidate’s election is a different topic than one’s opinions on the candidates themselves. Part of the reason why I’m posting this question here is cause I’d expect folks of the types of success relevant for FatFIRE would have a good sense of the relative decorum as well, so please don’t prove me wrong. :) 
+
+Curious for how folks are planning ahead for the outcomes of the upcoming election, one way or another. Are folks adjusting business plans? Investment plans? Probably not planning on changing much since it won’t make for that much of a difference/have enough liquidity to not really care? Interested in seeing people’s perspectives here.
+*EDIT* Title should be Help **set me up** for fatFIRE.
+
+Hi Folks,
+
+I think this is the subbreddit that can probably provide me the most guidance, as I believe a lot of ya'll have sold companies.
+
+About me:
+
+- I currently run a marketing agency (but I'm a SaaS guy at heart)
+
+- We started contracting for a fast growing B2C SaaS startup last year
+
+- The outcome we've created for them puts us in the top .0000001% of what we do
+
+- They signed a $450,000 annual commit this summer
+
+- The outcome continues to be unimaginable, and they want to scale spend to $1,000,000/year+
+
+- I net approximately $120,000 after taxes & investments into spinoff projects
+
+- I have experienced significant labor cost increases (some foreseeable, some not)
+
+- The client wasn't willing to bare the cost increases so I terminated the contract due to unworkable economics 
+
+
+He knows he is losing his #1 growth lever, and the termination has started a discussion to come in-house. 
+
+- Absorb the team and I, along with several key execs will stay on as consultants
+
+- Bring everyone in-house, but I along with several key execs can continue to work on a side project together
+
+About the client's startup
+
+- 10 FTEs, all engineering
+
+- Raised $16mm Series A from name brand VCs 6 months ago
+
+- Has recently sold equity on secondary market for 2x series A valuation
+
+- Will soon raise series huge series B at a valuation approx 4x Series A valuation, largely driven by revenue generated from my company's consulting. 
+
+- The CEO has communicated that a significant part of their insane valuation & growth is due to my company's consulting
+
+- If my company can continue to deliver, it's likely they'll hit a billion dollar valuation in the next 12 - 24 months.
+
+A few more details
+
+- In 2020 my marketing agency will generate $570,000 in revenue with $300,000 net income
+
+- This year the client represents approx 50 - 60% of my revenue
+
+- Next year the client would represent 90% of our revenue, but if they don't acquire us I'm not going to continue consulting for them.
+
+- If we terminate the agreement with this large client, we still accelerate our transition out of consulting into building our own SaaS products.  I will have to layoff half of my team & reduce my salary by 75 - 100% for 6 - 18 months to invest into development + marketing 
+
+- Today I manage a team of 17 staff on this project. The CEO wants me to grow this team to 60 ASAP
+
+- The CEO says that I can sell my equity at any time during future fundraising, and that one of his employees has already done this for a down payment on a house. 
+
+
+Switching costs
+
+- The client needs a very particular overlap in two skills that aren't commonly found together
+
+- The cost of picking a wrong vendor, and not finding out for 3 - 6 months is very high
+
+- Earning the CEO's trust was a long uphill battle fought for more than 16 months, and he'll have to start at zero
+
+My questions are:
+
+- When we discussed coming in-house a few months ago, the offer was approx 1x revenue split between upfront cash + equity. Lets say it's $225k cash + $225k equity + $200k pre-tax salary. The equity offered represents approx .3% *(corrected from .003%)* of their current valuation. This seems really low to me as an early employee AND as an acquisition hire AND with the track record of performance for them. Am I off base?
+
+- What valuation methods should we use to determine the price?
+
+- I'm concerned about being hired for a small amount ~$225k, bringing my team, licensing or assigning all of my internal IP, then getting fired. How do I protect myself? Is it normal in acqui-hires for some % of the equity to be vested immediately? 
+
+- I'm worried about doing a bunch of busy work unrelated to the reason they're acquihiring us because I'm a high paid head count. Can I ask for a job description, targets, and accelerated vesting if I'm terminated without cause? 
+
+- The CEO deferred things to his investors by communicating that he is limited in the amount of upfront cash to $250k, or salary he can provide to $200k. Is this true? Do investors weigh in on these things?
+
+- My bandwidth is limited, and I need to spend my time & skillset on whatever is going to create the most value for myself and the people I care about. How do I negotiate an offer as close to, or even above, $1mm between cash + stock?
+23 year old teacher, 55k salary, \~$4100 monthly net
+
+I am newly debt-free and adjusting my budget. I have a 3 month emergency fund and $18k in a Roth IRA. Now that I don’t have a car payment, I was planning on maxing that Roth out every month. Combined with my pension, that brings my total retirement to $913/mo (22% of my net).
+
+I’m wondering if I should bring that down to the recommended 15% in order to focus on savings goals like a down payment and traveling. My current monthly savings total about $730/mo and include:
+
+* July/Aug Expenses: 470
+* Travel: 210
+* Down Payment: 50
+
+That $50/mo just looks so pathetic. My mom recommended I dump everything into the Roth IRA because I can always withdraw my contributions for a down payment later, but I can’t see myself taking that path and destroying all that compound interest. Pensions also aren’t what they used to be. I’m in absolutely no rush to buy a house but I figured I would be much better off in the future if I started to chip away at it now. Am I doing the right thing?
+
+
+Tesla’s (NASDAQ:TSLA) third-quarter earnings for 2020 saw the electric car maker post $8.771 billion in revenue, beating Wall Street’s expectations. The results, which were discussed at length in an Update Letter, were released after the closing bell on Wednesday, October 21, 2020.
+
+Tesla’s third-quarter was impressive, with the electric car maker producing a total of 145,036 vehicles comprised of 16,992 Model S and Model X and 128,044 Model 3 and Model Y. The company also delivered 139,300 vehicles comprised of 124,100 Model 3 and Model Y, as well as 15,200 Model S and Model X.
+
+Tesla’s strong Q3 results were likely due to the Model Y ramp in the United States and the increasing Model 3 production at Gigafactory Shanghai. With these, expectations were high that Tesla would once more post a profit this third quarter.
+
+
+The following are the key points in Tesla’s Q3 2020 Update Letter.
+
+REVENUE
+Tesla reported a revenue of $8.771 billion for the third quarter, beating Wall Street’s expectations. In comparison, Wall Street expected Tesla’s Q3 2020 revenue at $8.28 billion, as per FactSet consensus. 
+
+EARNINGS
+Tesla shareholders saw non-GAAP earnings per share of $0.76 in the third quarter. In comparison, Wall Street expected Tesla to report a gain of $0.57 per share. Estimize’s numbers were a bit more optimistic at $0.65 per share
+I didn't find anything like this in books or articles so want to share my trading algorithm compiled from different sources.
+
+The common principle is always in the market and follows the trend.
+
+I've made an illustration so it's more clear.
+
+1. (A) point can be any time you want to start. Open orders in both directions.
+2. If the price goes up you close the order and fix the profit \[X\] in (B) point and open the next order immediately.
+3. At some (C) point, the price might go down. You keep the order open.
+4. If the price goes even more down you start to fix the profit \[X\] in the opposite direction.
+5. After some time price goes down and you have floating loss \[Y\].
+6. When you recognized that trend is over and it's consolidation at (E) point you open a new order with the amount multiplied in 80%(Y/X) times to your initial amount.
+7. At (F) point you close both orders with a total small profit and open the next order immediately.
+
+[Trading example](https://i.redd.it/bq1bykz3ctz51.gif)
+
+It's a strategy baseline, not a full strategy. Multiple parts can be improved. Example of improvements below.
+
+Instead of closing and open orders from (A) to (B) you can keep them open and close in (C) point. As a result, you will get instead of 4X profit 10X as an example below.
+
+​
+
+[Usual profit](https://i.redd.it/nsp4yh8tetz51.gif)
+
+[Multiplied profit](https://i.redd.it/xncm8jxvetz51.gif)
+
+The strategy might be applied and adjusted to any market: Stocks, futures, Forex, and so on.
+
+It's not a theory. The strategy was tested using backtesting on history, demo account, real account.
+
+Want to remind that profit in past doesn't guaranty you profit in the future. Keep it safe, test 100 times before you invest your real money.
+Hi,
+
+I am extremely embarrassed to write this. I am in a very very tough financial spot right now. I have about $34,381.67 in credit card debt spread across 9 cards, 2 of them have been closed by the creditors. I have listed all cards with balances + monthly payments below. I have considered consolidations, bankruptcy, a debt management plan (which if I enrolled my payment to ACCC would be around $700/mo). All of this debt was caused by a reckless spending habit and mental illness that I have now gotten under control. I haven't used any of these cards within the last month. 
+
+I work 40 hours a week, making $15.46/hourly. After taxes/insurance/etc. my take home is approximately $430-$440ish. I pay $1040 a month in rent which I pay to my landlord weekly so I give him $260 a week. No, I cannot find anything cheaper, I have tried, and it's the best I can get. I went through all of my subscriptions (which are cancelled effective January, so as of January none of them will be deducted) but I was paying $160/mo in streaming services and random subscriptions. They are now cancelled. 
+
+Card 1: $8,520.49 - closed by discover / currently enrolled in payment plan @ 9.99 APR with $128/mo payments
+
+Card 2: $3,924.04 - closed by discover / currently enrolled in payment plan @ 9.99 APR with $60/mo payment plan
+
+Card 3: 1,969.59 / $61.00 monthly payment
+
+Card 4: 6,897.55 / this card is enrolled with Tally so they make the monthly payments - I pay tally $60/mo
+
+Card 5: 5,660.52 - I missed a payment, my monthly payment is now at $929.52 - will be using my christmas bonus to make that payment this week
+
+Card 6: $2,054.16 / minimum is $20
+
+Card 7: $1,567 / minimum is $115 
+
+Card 8: $750.25 / $28 minimum
+
+Card 9: $3,037.55 / $102 due monthly 
+
+​
+
+As you can tell, the monthly payments greatly exceed what I have left over in a month. My credit is around 540 which is the lowest it's ever been - I used to have zero debt and a 760 credit score but 4 years later this is everything I have racked up. I have looked into loans and clearly cannot get approved for anything. I have $150 in a savings account. I am trying to get a new, better paying job or considering getting a second job. In the meantime, can someone please explain what the best option I have right now - other than increasing my income (which I am doing my best to try to do). Realistically, I would like this to be paid off in 2-3 years but it feels and sounds impossible.
+Hi r/personalfinance, I'm posting this from my throwaway account because some friends know my main one.
+
+At the age of 18 I graduated from a 3-year program to become a bilingual secretary (I'm fluent in English and Spanish) in my home country in Latin America.  I moved to the US 15 years ago and I've been a nanny ever since.  As much as I have loved working with kids, I don't want to keep doing this kind of work much longer.  I want to have a job that can give me benefits (health insurance, matching contribution to 401K, etc), which is something that most parents don't offer when they hire a nanny.
+
+Am I too old to go to school to get an Associate's Degree from a community college?  Would this be worth it in my case?  I live in Boston and currently earn $25/hr (before taxes) and I'd love to find a career/position where I can earn at least the same amount of money but in a hospital or office setting, preferably also applying my skills as a secretary.  I'm also open on going into a trade.  I need some perspective and a lot of advice.  Thank you.
+
+​
+
+EDIT:  You all are amazing!  Thank you for your advice, I have read every single one of your comments and will continue to do so in the next few days.  I understand that my question about getting the Associate's Degree being worth it was too broad.  The thing is:  I have no fucking clue as to what kind of careers are out there.  None.  Someone I know suggested I go back to school and take some classes and "go from there", hence my question on this post.  I will do the following now:  Talk to as many people as I can about their experiences working in office settings and hospitals.  Talk to recruiters, see what kind of career better suits me and then start looking into the necessary schooling and certifications needed for that kind of position.  I have hope for the future now.  Thank you.
+I find that most everyone in our movement uses spreadsheets to track how far along they are in their FIRE journey. As a programmer, I find the manual work pretty annoying (when it should all be automated... Mint-style, but for FIRE).
+
+​
+
+I searched for apps, and only found really fancy calculators. They ask you to input some numbers and show you data that isn't personalized for you.
+
+​
+
+So, I decided to build [the first true FIRE app](https://itunes.apple.com/us/app/gurgeh/id1458255871?mt=8). I launched it today on the iOS App Store (Android version coming soon).
+
+​
+
+Right now, it's very simple (so please be nice :) ). All it does is see how much **you** need to retire based on your spending.
+
+But more features are coming soon. I'm just trying to get a feel for what the community wants.
+
+​
+
+The goal is to make the FIRE journey much easier, personalized and automated.
+Since Australia is the biggest coal exporter and I’m pretty sure a lot of our economy depends on it.
+
+If under the fears of climate change, every world leader decided to switch to clean renewable energy what would that mean for Australia? Would Australia enter a recession?
+TL:DR- 130k student loan debt, no hope for better job, kid on the way, going to be single income family, is bankruptcy a viable option?
+
+I went to a private college, I thought it would be great on my resume and open a lot of doors for me. Put I was a stupid 18 year old who didn't know any better. I got a degree in something I love, art, which I know many of you will troll on and on about. But the fact is I was always told to get a degree in something you love, so I followed that advice. The school I went to was a liberal arts college, so I did not just study art, I also minored in sociology.
+
+Those four years left me with an estimated 100k in students loan debt from both federal and private loans. 
+
+After college I decided to put personal interest before professional and moved back home (western Maryland) so that my girlfriend of 5 years (at the time) and I could get married. We both had jobs and both bought cars. We also took out a credit card to pay for a rather cheap wedding. 
+
+I decided to go back to school for a little while and take some graphic design courses. I had planned to pay for it out of pocket, but once we moved into our own place, that became impossible.
+
+I was employed at a warehouse making $30,000 a year ($14/hour with solid 40 hour weeks). That warehouse closed which put me on unemployment for a month until I found another warehouse job that pays exactly the same. Having money to pay for a roof over my head, food on the table, and gas in my car is not an issue.
+
+Keeping personal priorities in mind my wife and I are expecting our first child in a few months. This has unfortunately put her out of work until after maternity leave. 
+
+We have considered cutting back to one car so that she can stay home with our son (this saves money on child care and also reduces insurance, gas, and removes a car payment from out bills).
+
+Back to the issue at hand. My students loans Have been racking up interest and now sit at comfy $130k. I all but exhausted my forbearance. Add the 11k credit card and 10k left on my car and 15k on hers, our debit to income ratio is shot.
+
+I have been job hunting for something better ever sense I left school, but there just isn't anything that pays more 35k in my area for someone my age with no experience besides warehouse.
+
+So with a mountain of debt, a family to take care of, and no better job opportunities in site I see no hope of ever tackling my student loans. I know bankruptcy is near impossible, but is it something I should look into and if so, would I really have a chance of bringing my owed debt down to a manageable amount?
+
+
+Edit: thank you to those who offered sound advice. I know I have made poor decisions in the past, I've come to terms with that. All I was seeking was a different way of thinking about how to get out of this hole. I've been stuck in my own head about my financial state; its fucked so why bother. But now I am more focused. As someone mentioned in a comment I am ready to bare this on my shoulders, all of these issues, both personal and financial are mine to deal with. 
+
+Also please do not think that I am living in poverty. I'm not my wife and I are comfortable but things are going to get tight and I'm exploring all my options to make things better for our family.
+[https://www.independent.co.uk/news/uk/home-news/british-adults-savings-none-quarter-debt-cost-living-emergencies-survey-results-a8265111.html](https://www.independent.co.uk/news/uk/home-news/british-adults-savings-none-quarter-debt-cost-living-emergencies-survey-results-a8265111.html)
+
+​
+
+Another recent survey found young adults 29 or under have around half have no savings 
+
+[https://www.bbc.co.uk/news/business-45744552](https://www.bbc.co.uk/news/business-45744552)
+
+​
+
+​
+
+We emphasis savings from a young age however, the reality seems so much different. Many people I know personally are working full time but have nothing to show by the end of the month. Anyone else also notice this trend?
+Hey there!
+
+I'm newbie but recently took an interest in investing. 
+
+These are the steps I am planning on following...
+
+1. Open a Questrade account (TFSA & RRSP).
+
+2. Put funds into TFSA and RRSP accounts.
+
+3. Using the funds in TFSA and RRSP accounts, invest in index ETFs (after researching what the best index ETFs are). 
+
+4. Overtime, keep adding money into these investments from my income. 
+
+5. Sit back and relax / set it and forget it.
+
+Is there more to it or is this the general approach people are mostly following? How much do I need to "know" before I should start taking action? 
+
+Thanks in advance for any help!
+**\(This is just an example not the real thing\):** $SPY always drops on Thursdays with a probability of 55% since the last 10 years ?
+
+I found a pattern that gives decent return but I have no reason of why it works. Would it be a good idea to actually use such a strategy if the returns are great.
+I discovered this sub in 2016 and realized that FI is important to me, so much that it's now one of my two goals in life. But in 2017 I did miserably - only saving 18% of my income when I'd planned for 40%. This year I got really close - did 33% which in numbers was double the amount!! There were some medical expenses that prevented more saving + I really love going out drinking and I didn't have the discipline to reduce it as much as I wanted. 
+
+New things that I did this year: 
+
+* didn't touch my bonus - saved all of it
+* increased my credit card repayment minimum (almost fully repaid)
+* made sure I have an untouchable emergency fund of 3mo income
+* doubled the automatic transfer to a retirement account - in my country I cannot invest in the market either local or international (we're kind of isolated like that) so my only option is stupid retirement accounts with banks or insurance.
+* stopped traveling on vacation
+* went out less & to less expensive places; drank less per night out, and stopped eating out.
+
+So basically in 2016 42% of my income went to savings + supporting my parents and 58% to general expenses whereas this year I reversed it and 58% is going to savings and parents. 
+
+For next year I'll be looking to do maybe 45% saved (at least 40%) and definitely reduce what I can in expenses. I'll also shop around for better interest rates with banks. I'll try to get seasonal work that I could do during vacation - this would help for small extras. I will also try to get a decent raise from work. I don't know what I could do further, I already live with parents and don't have a car. Might you guys have some ideas? 
+I just got a call from someone claiming to work at my bank, She was offering to send me a new credit card with a great reward program but before she could run my credit, she wanted to know my mother’s maiden name. She was taken aback when I asked her to first verify specific line items from my bank transactions. I told her I'm not about to give you my personal info based on a single cold-call. If you are really who you say you are, you can tell me the date/amount of my last electric bill and the auto-insurance bill.
+
+She said I was the only customer to make her answer security questions in the last 6 weeks she has been doing this. She did answer them correctly and also confirmed some other things (related to the physical bank location she claimed to be at) that she wouldn't know if she was a scammer.
+
+While this one was a legit call, I have had people hang up on me in the past as soon as I asked them to verify something specific from my account / history. I have had smart friends fall for very sophisticated scams because the caller knew their address and last 4 of their social. My advice has been to (1) make them answer specific questions that only the right people will have and if still suspicious (2) tell them to make a note on my account (with their name/extension) that I will call back immediately and then I find the 1-800# from Google and ask the agent to transfer me back to whoever called me.
+
+I apologize in advance if this tip is not relevant to this subreddit. I didn't know where else to post this.
+If any one could maybe suggest books or other material to get a good education on the market so I can gain knowledge to better myself at investing. 
+
+I hate my job, I’m a single parent and I’ve decided instead of trading my time for money, I can be at home with my kid and making a great income (eventually).  Thanks.
+Had a consistent tax refund the last 6 years since getting married. Had a consistent bonus the last two at my current job. Older employees tell me the bonus is quite consistent. I feel it's reasonable I can expect something from these incomes within a range. Then again I'm like, this is not a.wise way to budget.
+I literally couldn’t of made this up. My wife, a dental hygienist, is going to work for the last time today at an office she’s worked at for just over a year. 
+
+She got a job at another office in town with better pay and hours. A great situation. She was taking the rest of the week to go visit family up north but when we woke up this morning we see on the news that her new office has burned down. Like it’s GONE, sticks on the ground. 
+
+She hasn’t signed the paperwork yet, didn’t receive a letter of hire. Nothing.  So in just one night, she has zero jobs after today. What can we do? We’re both just in awe of this situation.
+
+**UPDATE** My wife has talked to the dentist and he is just waiting on the approval but they have found an empty office that he plans on renting and working out of. It will take possibly an extra week to get set up but we've avoided the worst-case scenario it seems. Thank you all for your suggestions and advice on this. Life's a strange beast, you guys!
+Seriously, crypto loses you money almost always. Ditto these stupid NFT things. 
+
+Stay safe. 
+
+^(Dear mods, I hope you will allow this post as I worry a lot of people are going to now be approached with crypto scams).
+Title pretty much sums it up. Mrs wants to buy a property and I’m sitting here pretending all is fine when I know for well interest rates are the single greatest driver of property price inflation and they are at the floor. 
+
+How do I get over the fear of leveraging in to what many call a super heated bubble?
+
+*EDIT*
+
+I should clarify. I’m not worried about the repayment side of things. I’m worried about being stuck in a property due to negative equity when/ if this “bubble” corrects/pops.
+I'm thinking of the best way to get rid of assigned stock ASAP without loss -- either long or short. This is my proposal so far
+
+Getting rid asap can be helpful in a wheel strategy because
+
+* Free up capital for continue wheel
+* Reduce risk
+* Reduce margin interest
+
+Part 1: Long stock - assigned after covered put
+
+* Find the shortest CALL option DTE where strike price + premium > cost basis. The option is likely to be ATM or ITM
+* Pair with long stock and sell it
+
+Example of long stock
+
+* CSP Put strike was $250
+* Long stock fell through and got assigned when market is $240. Cost basis is $250
+* 7 DTE Call option is available at $238 for $13, which reduces the cost basis to $250-$13 = $237
+* We're happy if it gets called away at $238 since it's above our cost basis
+* Risk -- if the stock continues to fall below $238
+
+​
+
+Part 2: Short stock - assigned after naked call (or cash-covered naked call)
+
+* Find the shortest PUT option DTE where strike price - premium > cost basis. - The option is likely to be ATM or ITM
+* Pair with the assigned short stock and sell it
+
+Example of long stock
+
+* Naked Call strike was $250
+* Underlying rose through and got assigned when market is $260. Cost basis is $250
+* 7 DTE PUT option is available at $265 for $16, which increases the cost basis to $250+$16 = $266
+* We're happy if it put executes at $265 since it's below our short cost basis
+* Risk -- if the stock continues to rise above $265, this is when the put doesn't execute
+I have been taking profit at or close to 50%. Is it better to hold longer and let them get closer to expiration? Or is it better to re-enter with a higher delta call?
+**TL;DR:** Being a really bitter person with an enormous chip on your shoulder can get you ahead in life!
+
+This is a very long story, but to get the full effect, I think you need to have the appropriate context.
+
+Just about twenty-eight years ago, I was born in a washed-up mining town in rural Idaho. My mother was a highschool drop-out, my father was a laborer for the Department of Transportation. My father made decent, blue collar money and my mother worked only intermittently at convenience stores and bait shops. When I was three years old, two things happened: My mother gave birth to my brother and my father was thrown from his vehicle trying to avoid a passing herd of deer on his way home from work. He wasn't found until several hours later, at which point he had already died.
+
+My mother had no support system. When she dropped out of highschool and married young, her mother and father had disowned her. My father's family had always disliked her intensely -- she was my father's second wife, and they were heart-broken when he'd gotten a divorce. They were absolutely unwilling to help her. At the time of my father's passing, my mother had finished her GED, but that did not greatly improve her job prospects.
+
+She got in contact with an old boyfriend who was living in Forth Worth. He offered her a place to stay while she got on her feet. She scraped together every last dollar she could and took my brother and I to live in Fort Worth, where she planned on pursuing a career in nursing.
+
+We all crashed on the boyfriend's couch for the first year there. My mother attended nursing school, and while our lives were quite spartan, we made it work. Then her boyfriend relapsed, and my mother started using drugs, too. She dropped out of school and lived a pretty hardcore life for close to a year. She asked her boyfriend's parents if they could watch us for awhile. We saw her three times during that first year, as she spent most of her time on the street. She came to visit during holidays and spent our time together crying.
+
+After that first year, she started to get her act together. But recovery is difficult for anybody, and it took a further four years before she could be called functional. After that first year, the boyfriend's parents refused to care for us, and they kicked my brother and I out onto the street. There was a whirlwind three years where my mother moved us from house to house, constantly getting evicted, hardly able to hold down a job. We lived in cars, at homeless shelters. On more than one occasion, we slept in somebody'd barn.
+
+From the age of three to eight, I attended six different schools. Because each school had a different sequence for how basic skills are taught, I had to teach myself to read and write. Where one school would teach handwriting in 1st grade, the other would teach it in 2nd. As a result, when I transferred to a school that had taught it in 1st grade, I still hadn't learned it. My handwriting is still terrible to this day, and sometimes people remark that I don't "write" alphabet letters so much as carefully "draw" their approximations. I missed weeks of school every year, but was still pushed ahead to the next grade, despite not having the requisite skills or ability.
+
+On my ninth birthday, my mother finally reached out to her parents for help. They reluctantly agreed to give her shelter -- mostly, I think, because they wanted to see their grandchildren. We moved back to rural Idaho and lived in a small, weather-beaten shack that my grandparents owned. At this point, my mother had gotten clean, but she had also become irretrievably paranoid. She never used again, but she often ran away from home. She was committed to a mental hospital more than once. Shortly before I graduated highschool, she died from complications due to Hep C.
+
+Nobody at my highschool spoke to me about attending college. From the time I was a freshman until I graduated, not a single adult told me how to conduct myself as an adult, how to apply for jobs in the working world, or how to apply to a university or community college. Not my teachers, not a school counselor. Not my mother, not my grandparents. Quite literally nobody.
+
+So when I graduated highschool -- and my grandparents evicted me from the house -- I started my adult life with no car (and no license), no money (not even a bank account), and no friends or family to help me along. I had my social security card and my birth certificate, and that was it. I was cut adrift in a rural town with a population of 250 people that was three hundred miles distant from the nearest city.
+
+I spent the first two years hitchiking from one place to the next, taking small jobs where I could find them. I was a ranch hand, a machinist at a sawmill, a roofer, and a grocery clerk. Eventually, I found a stable job stocking the shelves at a supermarket. I saved up enough to afford a small studio apartment and a computer. I slept on the floor. At some point, I was struck by an incredible anxiety. I saw the route that my life would take if I continued stocking shelves and found the determination to go to school. 
+
+The only thing I knew about college at that point was that you had to attend to make any real money. So I researched what I had to do to apply, took the ACT, filled out a FAFSA, and got accepted to a state university. I enrolled in my first class at the age of twenty-two, and I had literally nothing in common with any of the other freshman, which could be depressing and alienating at times. For the first three years I was there, I didn't take out any student loans. Here is how I afforded that:
+
+* I didn't have a car. I walked everywhere.
+
+* I sold my plasma and semen.
+
+* I worked 32 hours per week at a local hotel on the overnight shift. Because the overnight shift is mostly seat-warming, I bolstered my income by writing papers for students. I found customers by posting on craigslist.
+
+* When I had no papers to write, I applied for literally every scholarship that I could find. Hundreds of them.
+
+I graduated in three years (with a degree in English Literature), at the age of twenty-five. I worked odd-jobs around the state of Washington, finally bought a car at the age of twenty-six, and then returned to graduate school. During this time, I also found a job I enjoy. I paid close to ten grand out of pocket for graduate school, took out $15,000 in loans, and graduated a couple weeks ago, age of twenty-eight, from a fairly low-tier school. I went to graduate school full time and worked between 50-70 hours a week, depending on the time of year and at what stage of production my projects were at. For the first half of 2015, I did not have a single day off. I had one nervous breakdown.
+
+I'm currently making $46,000 and have had job offers for between $55,000 - $60,000 now that I have my degree (which is in statistics, more or less). Now, I have three choices: accept one of those jobs (of which I'm not terribly fond or excited by), wait six more months until I have some more professional development and certifications (at which point, I can start going after my dream job), or accept a poverty stipend to get my doctorate from a relatively high-value school (I would not be finished with school until I was 32-33 years old). I've yet to decide, and that's where I'm at now.
+
+Beyond selling your body, there's little advice I can give those of you who are deeply impoverished and need to find a way out. I've told you what I've done, but it would be presumptuous of me to say that you should do likewise. That being said, there is one more suggestion that I can give. It worked for me. Maybe it can work for you.
+
+Find your motivation. For me, my motivation came from fear. The fear that I would turn out like my mother, a destitute high-school drop-out with mental issues. That I would always be poor and that life would always be a struggle. Later, that fear gave away to resentment -- that I was better than my peers, my coworkers and my classmates, and that they had lucked into an easy life and had been carried to success on the shoulders of their family and friends. All through graduate school, there wasn't a single thing I did that wasn't motivated by resentment or fear. But when you've spent your youth sleeping on asphalt, what further motivation do you need?
+
+Most of my investment money is in US companies, and after the recent dip I held off from doing anything (regrettably didn't buy but also didn't sell). 
+
+I'm thinking I should probably allocate some of my money in a Canadian company, but I have no idea where to start looking. I will do my own research but would be interested in getting a few companies I could look into. 
+
+Thanks!
+I'm not particularly into gold, much more interested in well run businesses selling for a good price.
+
+Disclaimer- I'm not WILDLY stoked on this stock, I think it's a solid investment and a good way to play the gold market with a minimum time horizon of 3 years. I also don't see anyone talking about gold- so here ya go, some gold stuff.
+
+I originally posted this with a link to a seeking alpha article- it's a solid breakdown on the company's current outlook but reddit shut down the link- it was published on Thursday Feb. 25 and is titled 'Kirkland Lake Gold : Don't miss the Detour for the Fosterville' - if you'd like to take a look. 
+
+A few things I like about KL
+
+\- Management has proven to be very effective for years, just under \~20% ROIC average over the past five years.
+
+\- Five year average revenue growth \~45%/year
+
+\- Free cash flow TTM 633 million with a ridiculous rate of growth
+
+\- Their TTM operating income of over 1.2 billion represents almost 60% of revenue (gross margin)
+
+\- They have a lot of cash, 847 million on their balance sheet (which will be used for aggressive growth and opportune share buybacks)
+
+\- Compared to other miners, their growth/ return on investment are excellent - I compared KL to other major gold miners and I think they have the opportunity to grow faster, while still being a pretty large stable business. (based off their reserves and current output)
+
+\- KL mines in Canada and Australia, relatively safe places politically
+
+\- It's current price looks undervalued, I think it's oversold. I think their current share price is over-correcting from their high, though I won't be surprised at all if it continues to drop.
+
+What I like about gold
+
+\- Really, I'm pretty surprised by the lack of 'inflation' talk, I'm sure many will disagree (and that's good), but I just see no way of escaping inflation with the level of printing and debt we're experiencing today. I think the market is projecting an extremely optimistic view of recovery.
+
+\- The economy has been wrecked, so many small businesses are gone, so much of the economy is being held together by stimulus. I expect, in order to recover from all this spending and the halting of so much of the economy, we will go through a period of recession (maybe it will take a while to get there, but I'm investing, not trading)
+
+\- Bottom line, I think gold will generally trend up over the next few years (or at least stay within a strong range). I do think gold will maintain its use as a store of wealth for plenty of time to come.
+
+What I don't like about KL
+
+\- I don't know where the bottom of this drop will be (I have a very small position now, started last week, and will likely add if it continues to drop)
+
+\- Fast growth, they aren't proven as a mainstay in mining for very long at this price point, this is a risk, but given their reserves, I think they're reasonably stable.
+
+What I don't like about gold
+
+\- Definitely some speculative nature to buying into gold, but I like that it's been such a strong asset for so long
+
+\- I don't know where gold will go! But, company estimates are done with gold being much lower than it is now, and really I expect as we come out of covid there will be some hiccups, at which point I expect gold to rise. I think it's highly unlikely we progress out of covid and make up for the economy/printing without some major repercussions- I expect people to turn to gold as a hedge.
+
+\- Is the price high, is it low? I don't know, but I'm comfortable with a small part of my portfolio in gold related assets.
+
+So, I've chosen KL as my (very small) position in gold. I think it's currently at/near a solid entry point though I do think it can drop more before the trend reverses (it's a bit of a 'catching a falling knife' situation for some- but I think it's currently undervalued so I'm good getting in with a small position now).
+
+With a basic DCF assuming growth continues as it has then evens out after a few years to match the greater economy, I see KL as worth at least $60/share, that would give it a market cap of 16 billion.
+
+Bottom line, I like KL's growth and its ROIC, both intrinsic and relative. They point to solid management and given their reserves and the likelihood of political/economic challenges arising from covid and anything else, I think having a portion of gold related investments is good. I think KL will continue to grow and I think over time gold will continue trending upwards.
+  
+
+Cryptocurrency pioneer Justin Sun bid a record US$4.57 million to have lunch with Warren Buffett, who famously referred to Bitcoin as “probably rat poison squared.”
+
+Oh, to be a fly on the wall.
+
+Sun launched Tronix, also known as Tron or TRX token, in 2017. It’s valued at US$2.56 billion and is the 10th largest cryptocurrency in the world, according to data provider CoinMarketCap.com. The 28-year-old Chinese entrepreneur said he hopes to educate the Oracle of Omaha on cryptocurrency and the underlying technology, called blockchain.
+
+“It is very common in investment circles that people will change their minds,” Sun said in a telephone interview. “Investment opportunities are best when lots of people are underestimating the technology.”
+
+Buffett and his longtime business partner Charles Munger have criticized cryptocurrencies in the past. The 95-year-old Munger called Bitcoin a “noxious poison.” Buffett, who says there’s no value being produced from the asset, at least gave a nod to blockchain technology as “important” in an interview with CNBC earlier this year.  
+
+“Even one of the most successful investors of all times can sometimes miss a coming wave,” Sun wrote in an open letter to the crypto community. “Buffett has admitted he overpaid for big investment food giant Kraft Heinz Co., while failing to realize the potential of the likes of Amazon.com Inc.; Alphabet, the parent of Google; and even Apple.”
+
+**Glide Charity**
+
+The annual auction raises money for San Francisco-based charity Glide, which Buffett’s late wife Susan supported. More than US$30 million has been raised over the years, as bid amounts have climbed. Glide provides meals for the city’s homeless, offers support to domestic violence victims, and helps people find shelter.
+
+Previous auction winners have included Greenlight Capital’s David Einhorn, who was the highest bidder in 2003. Ted Weschler won two auctions and was later hired by Buffett’s Berkshire Hathaway Inc. (BRKa.N) as an investing deputy. This year’s bid was about 38% higher than the winning bid in 2018.
+
+Sun previously founded Peiwo, a Snapchat-like app for China with millions of users. He then started the token popularly known as Tron by using much of Ethereum’s computer code and parts of other startups’ white papers to write his own.
+
+He bought the popular software file-sharing application BitTorrent for US$120 million last year. Demand for the coin surged when Sun announced the BTT token, able to run on both Tron and BitTorrent networks. On May 30, BitTorrent announced it will let users store files across a distributed network of computers using BTT.
+
+Tron, meanwhile, has attracted scores of gaming and gambling applications. Earlier this year, Tron bought app store CoinPlay.
+
+The bidding war for the lunch started May 26. It heated up early in the week and fell fairly quiet heading into the final day of the auction when a handful of bids came in that exceeded US$4 million.
+
+Although he’s deep into crypto, Sun said he trades traditional stocks and reads annual reports of technology companies. He hopes to learn more about Buffett’s value-investment strategy at the luncheon.
+
+The time and place of the luncheon has yet to be determined, according to Sun. It’s typically held at the Smith & Wollensky steakhouse in New York.
+
+Sun, who can invite as many as seven people to join him, said he’ll choose among his most-persuasive friends as well as the most influential people in the crypto community as it’s likely to be a tough sell to get the 88-year-old billionaire investor to change his mind.
+
+“Cryptocurrencies will come to bad endings,” Buffett said in 2018 at his annual shareholder meeting.
+
+[https://www.bnnbloomberg.ca/crypto-pioneer-pays-us-4-57m-for-lunch-with-warren-buffett-1.1267813](https://www.bnnbloomberg.ca/crypto-pioneer-pays-us-4-57m-for-lunch-with-warren-buffett-1.1267813)
+Hey autists,
+
+Listen up. currently there are 1.6 million of us, and there are roughly 41.5 million shares in the available float for gamestop.
+
+[for all you smooth brains float means shares available to trade ](https://preview.redd.it/20ia1otgjd261.png?width=822&format=png&auto=webp&s=e88684e14577d963620631c5f9e8201a7bc28b57)
+
+​
+
+by doing some simple math (41.5mil divided by 1.6 mil=25), we can see that if every one of us bought **only 25 shares** of gamestop, we would own **THE ENTIRETY OF THE FLOAT**
+
+​
+
+edit: disclaimer for mods and sec retards: this is only showing a calculation and discussing a scenario, not encouraging any behavior!
+
+​
+
+**TLDR: if everybody on wsb bought 25 shares of gamestop we would literally buy every share available, meaning gamestop would be ours.**
+I think this may be the beginning off a turnaround for GE. Here is my full analysis. 
+
+# Key Articles
+- [GE Stock Can Hit $15, Says Goldman. It’s the Highest Call on Wall Street.](https://www.barrons.com/articles/ge-stock-can-hit-15-says-goldman-its-the-highest-call-on-wall-street-51614009185)
+
+- [GE is cutting dead-weight production](https://www.bucyrustelegraphforum.com/story/news/2021/02/23/ge-savant-moves-a-19-production-layoffs/4560948001/)
+  - Supposed to be bearish? Shows the cogs moving in GE in my opinion. **Bears are struggling to find bad news x1**
+
+- [YAHOO publishes misleading bearish "unusual option activity."](https://finance.yahoo.com/news/understanding-general-electrics-unusual-options-143946211.html)
+  - Really 115 puts? lol. **Bears are struggling to find bad news x2**
+
+- [Offshore wind farm international deals. Green Power v.s. Coal](https://www.japantimes.co.jp/news/2021/02/23/business/corporate-business/toshiba-ge-wind-power-equipment/)
+  - "Toshiba has set a goal to expand its renewable energy business to ¥650 billion ($6.1 billion) in fiscal 2030 from ¥190 billion in fiscal 2019. It has stopped taking new orders to build coal-fired power plants."
+    -**Wind power (GE's specialty) is BEATING COAL**
+
+
+## My play
+I played Omega Shotgun calls on GE. The excess gamma is mooning these bad boys today. I opened my calls despite the theta after reading about this.
+
+### [Big, sexy windmills:](https://renewablesnow.com/news/ge-installs-12-mw-wind-turbine-prototype-in-rotterdam-673053/) (click to see picture)
+
+> October 18 (Renewables Now) - GE Renewable Energy has installed the prototype of its 12-MW Haliade-X offshore wind turbine at the port of Rotterdam, the General Electric (NYSE:GE) unit said on Thursday.
+
+### Very Electric
+
+> According to the manufacturer, a 12-MW turbine can generate 67 GWh annually, or enough electricity for about 16,000 European homes, and avoid up to 42 million ~~tonnes~~ **kg** of carbon dioxide (CO2) emissions(edited to reflect error pointed out in comments). The first orders for the new machine have already been placed, coming from SSE Renewables and Equinor ASA (NYSE:EQNR) for the Dogger Bank offshore complex in the North Sea. Also, Denmark’s Ørsted A/S (CPH:ORSTED) has selected the Haliade-X turbine for the 120-MW Skipjack project off Maryland and the 1.1-GW Ocean Wind complex off New Jersey.
+
+
+### Disclaimer:
+
+Please note I am untrained in finance and potentially mentally handicap. Not advise just what I have been seeing
+Literally every exchange I have an account on was down, and once that exchange comes back online, price corrections are made and the -40 percent dip is now -10 to -20 percent.
+
+It just seems messed up to me that when the market is massively down all the exchanges become "overwhelmed" making it impossible to even buy during these massive dips.
+
+Like seriously wtf?
+debated posting this, but just doing it- some of you need to hear this right now, myself included.
+
+sitting in the icu with my 6 yr old who’s on a ventilator and feeding tube.
+
+we’re through the worst of it, but it’s still terrifying- life is fragile.
+
+don’t let anything get in the way of making sure your loved ones know, beyond all doubt, that you love them.
+
+grab them- tell them- don’t wait.
+
+it’s easy with your kids, but even if they’re older, it’s infinitely better to feel weird saying it than to miss your chance.
+
+do it no matter what.
+
+idk- just life.
+
+love y’all.
+There is a feature on Google Sheets called Add-Ons.
+I was thinking of building an add-on.  The purpose of the add-on would be to give you access to new functions.
+
+For example.
+
+    =ADJEODPRICE(ticker_symbol, date)
+
+(There is the built-in Google Finance function, but it's awkward to use IMO).
+
+
+Another example
+
+    =ALPHA(STOCK) 
+
+Get the alpha of a stock.
+
+    =BETA(STOCK1, STOCK2)
+
+Get the Beta of two stocks to each other.
+
+Anyway let me know if it's something you would use.  If yes, tell me the functions you want.
+debated posting this, but just doing it- some of you need to hear this right now, myself included.
+
+sitting in the icu with my 6 yr old who’s on a ventilator and feeding tube.
+
+we’re through the worst of it, but it’s still terrifying- life is fragile.
+
+don’t let anything get in the way of making sure your loved ones know, beyond all doubt, that you love them.
+
+grab them- tell them- don’t wait.
+
+it’s easy with your kids, but even if they’re older, it’s infinitely better to feel weird saying it than to miss your chance.
+
+do it no matter what.
+
+idk- just life.
+
+love y’all.
+I just received this email, which on first glance (or possibly to less computer-savvy people) looks legitimate. One of the things that gives it away is the weird email signature, but it takes you to a website that mirrors the Chase website (the URL also gives it away, but again some people can be less computer savvy). I literally got this email a few minutes after having trouble placing an online order too, so the timing was impeccable. I sent screenshots to my best friend, and she agreed she knows people who would have fallen for it. 
+
+
+ALWAYS remember that your bank may text you for any weird charges ( it again….also easy to fake), but the best way to go about things is to call the 1-800-# on your physical card or go through the banking app. 
+
+https://imgur.com/a/0OhbFd4
+Like the title says I am setting a daily trading target  in the range of +300 to -200 with a maximum of 3-4 trades ,one at a time. Meaning if my first trade hit a profit of $300 I won't trade further in the day similarly if the first trade hit -$200 I will stop for the day.
+
+If I am in 4th trade and it ends without reaching either +$300 or -$200 I will stop whatever I got for that day.
+
+I do both spreads and buying calls or puts based on the trend. I am trying to follow the momentum to do my trades. 
+
+If I reach my goal I close my main account and trade in my paper account for practicing my methods.
+
+I am sure many would have done or planned to do similar thing . What had been your experience and what are the lesson that I should keep in mind.
+
+So far the hardest is sticking with the plan when I reach my +$300.
+
+Please share your thoughts.
+This comment from u/issarepost explains exactly what it means to say, “10 million is my floor” and why it is SO IMPORTANT to not sell on the way up, but rather on the way down. Trying to sell at the peak is like day trading, it negatively affects apes, and you’re not Jimmy Neutron, the chance of you hitting the peak is [millions to one](https://youtu.be/IRS5lNpj1l0). 
+
+
+“The issue with most apes here is that they do not understand that FLOOR means "on the way down". When people say "$10M is the floor", they equate that to "once GME hits $10M, I'm selling". But what FLOOR means is that once it passes $10M, it will continue beyond your floor, $20M, $100M, $420M and then descend back to your FLOOR of $10M.
+
+This gives us the ability to exit WAY ABOVE your theoretical floor of $10M.”
+
+
+In conclusion, BUY, HODL, but most importantly, it would benefit yourself and other apes rather well if you sell on the way down, not the way up, as you will have way more time to do so anyway. The MOASS will last for days, possibly weeks. I know we’re gamers, but don’t play yourself.
+
+*not financial advice, i typed this with my toes.*
+Great post by Josh Brown:
+
+“Precisely eleven years ago today, in 2009, the stock market stopped going down. There was no reason. The dust had settled, without fanfare or any sort of official announcement. If you had polled people that day, or week or even month, most would not have agreed that we had seen the worst. The economic headlines were not improving. But there it was. And by June 1st, less than 3 months later, the stock market had climbed 41% from that March low. And even with that having happened, the majority of participants still weren’t clear that the dust had fully settled. That we had, in fact, seen the worst. There were still people calling us 3, 5 and 7 years later who had gone to cash and still hadn’t gotten back into stocks. They missed a new record-high a few years later and hundreds of percentage points in compounding on their assets.”
+
+https://thereformedbroker.com/2020/03/09/im-here-to-remind-you/
+This is it guys, the end game... again.
+
+With more and more apes DRSing, liquidity inside the well dries up more and more every day and hedgies digging their death spiral by shorting it more to the ground.
+
+Now with the upcoming announcement (probably EOY/Q1 2022), we will see gme rise up again like a phoenix, reborn from the ashes.
+
+This is it!, the day of the "Fake Squeeze".
+
+MSM will announce that GME reaches $1000+ and saying everywhere that the "Squeeze is over" in hope of apes to sell.
+
+Think fucking again about swing trading this shit.
+___________
+
+**What if there is no Drop?**
+
+________________
+
+Remember back in January?, Even already at the price of $500 they stoped the fucking buy button and this is when they digged their grave to their doom.
+
+This **Won't happen here**
+
+They know their already doomed, with the massive retail fomo and people buying even in the 1-10k range, no way in hell the price will drop again.
+
+And if these shares get DRSed aswell?, even less liquidity.
+
+**Money is infinite to them, shares are not.**
+
+**-- [I highly recommend watching the bloomberg video from February again to understand how close we were to the collapse of the whole system](https://www.youtube.com/watch?v=Yq4jdShG_PU) --**
+
+This is it guys, the absolute point of no return, no more dips, less liquidty and no more "1 fucking day" to these smelly bastards if people don't paperhand during the upcoming fake squeeze.
+
+
+**Buckle the fuck up**
+Throwaway account because I’m spooked. She put my name on an Avon account and then forgot to pay off on the account. It came up on my credit check and we paid it straight away but I still have the default on there. 
+
+How do I get rid of it and what will happen to my sister if I do?
+
+EDIT: This is in the UK, the amount was about £200 and I don’t want her to get into trouble.
+
+EDIT: Guys, she’s an idiot - not malicious. She’s an 18 year old with a kid who has been convinced that an MLM can help her out and made an account in my name in her downline and then forgot about it. If she had done it on purpose, she would’ve just asked to borrow the money.
+So, my husband and I have been going through a bad financial patch for the past couple of years. We get health insurance through my work for both of us, and this year we decided to switch to the 'good' insurance (let's call it Baiser Fermanente, to keep it anonymous) that costs us quite a bit more than the other terrible options, because it doesn't have a deductible.
+
+I had to have an initial wellness check-up with my new doctor (at Baiser), which was covered and he assigned me to do an at-home colon cancer test to send in. So, I did, and it came back positive. They called me yesterday to say that now I need a colonoscopy. Here's the kicker: because the colonoscopy is deemed a 'second diagnostic test,' it's 100% NOT covered by my insurance. It's 100% out of pocket, and $1000 altogether. The at-home test was covered, but now that it's read as positive and I need another, more thorough diagnosis, I have to pay for that myself.
+
+Friends, Romans, Countrymen: I DO NOT HAVE $1000. Yes, I know I should be able to contact their financial office and get into a payment plan, but two things:
+
+1. Two years ago, when my husband's and my financial situation first hit the skids, I had to have a biopsy for a lump discovered during a mammogram. It was found to be benign, thank goodness. However, my at-that-time terrible health insurance didn't cover very much, and to this day I am STILL paying on that payment plan. $30 per month, accruing interest.
+2. WHY ON EARTH would health insurance NOT cover an apparently necessary secondary diagnostic procedure? It seems like such a scam - we'll pay for the first test, but if you get a positive result and you then really really need to have another test, WHAM, we'll need $1000.
+
+I have told the insurance people and left messages for my doctor that I will need to save up the $$ for this test, and I will not schedule it until I can afford it. I am so irate - when I finally do get the test, if the colonoscopy is negative, then I've wasted $1000, and if it's positive then I'm in for a roller coaster ride of additional probably-not-covered expenses (WHICH I STILL CAN'T AFFORD).
+
+Sigh. Thanks for letting me rant.
+Around here, we often report to each other on our milestones, our gains, wins, and good fortune. I'm curious - what is the biggest financial mistake or loss that you have experienced on your path to FIRE? Hopefully, others can learn from it. I'll go first:
+
+* I didn't start contributing to any form of a retirement fund until I was about 27, despite having been able to for almost 5 years.
+* I bought a lemon, it went caput, and I tacked its loan onto my next car, putting me about $22,000 into debt on a vehicle worth $14,000.
+* I lost about $14,000 in trying to day trade
+* I lost about $12,000 in crypto
+[GameStop.com](https://www.gamestop.com/) || Shop [Internationally](https://www.reddit.com/r/Superstonk/comments/vyyzmx/gamestop_retail_international_nft_game_informer/) || [NFT Marketplace](https://nft.gamestop.com)
+
+GameStop [Investor Relations](https://news.gamestop.com/)
+
+# 🙋 ​[What's GME & should I consider investing?](https://www.reddit.com/r/Superstonk/comments/qig65g/welcome_rall_looking_to_catch_up_on_the_gme_saga/)
+
+# 📚 Library of Due Diligence [GME.fyi](https://fliphtml5.com/bookcase/kosyg)
+
+>A collection of over 200 of the most important, groundbreaking **D**ue **D**iligence. If you're looking to familiarize yourself with the GME bull thesis or the underhanded tactics of the short sellers involved in this trade– then this is for you
+
+# 🟣 [Computershare Megathread](https://www.reddit.com/r/Superstonk/comments/wedijp/drscomputershare_megathread_082022/)
+
+>Wondering what DRS is? Want to know how and why people are Direct Registering their shares? Here you'll find our guide and additional resources, as well as a welcoming community answering questions in the comments!
+
+# 🥢 [4:1 Split/Dividend Megathread](https://redd.it/vtvbl8)
+
+>On July 6, 2022, GameStop Corp. (the “Company”) issued a press release announcing that its Board of Directors had approved and declared a four-for-one stock split in the form of a stock dividend. Each Company stockholder of record at the close of business on July 18, 2022 will receive three additional shares of the Company’s Class A common stock for each then-held share of Class A common stock, to be distributed after the close of trading on July 21, 2022.
+
+# 🏴‍☠️ [NFT Marketplace & Wallet Megathread](https://www.reddit.com/r/Superstonk/comments/vluysg/gamestop_nft_marketplace_wallet_megathread/)
+
+>Why is GameStop getting into NFTs? *WTF* even is an NFT? How do I set up a GameStop Wallet? How do I get a cool/custom wallet address? All these questions and more are answered here!
+
+**Read** [**the Rules & Wiki**](https://www.reddit.com/r/Superstonk/wiki/index) **||** [**MOASS FAQ**](https://www.reddit.com/r/Superstonk/wiki/index/faq) **|| Join our** [**Discord**](https://discord.gg/Superstonk)
+
+How to [feed DRSBOT](https://www.reddit.com/r/GMEOrphans/comments/qlvour/welcome_to_gmeorphans_read_this_post/). Low karma? Post your DRS on r/GMEOrphans
+
+How to [Filter by Flair & Search](https://www.reddit.com/r/Superstonk/comments/v0oxp2/how_to_filter_by_flair_search_for_posts_on/) on Superstonk
+
+Tag u/Superstonk-Flairy for user flairs, find [custom emoji options here](https://www.reddit.com/r/Superstonk/comments/v89p0h/new_superstonk_user_flair_emojis_how_to_edit_your/)
+So I did an update a week ago telling you why PLTR at 25 was likely the bottom. I also told you to get the hell out of the 12/11-12/18 options as those would expire worthless.
+
+[https://www.reddit.com/r/wallstreetbets/comments/k98p6h/pltr\_technical\_analysis\_from\_a\_professional/](https://www.reddit.com/r/wallstreetbets/comments/k98p6h/pltr_technical_analysis_from_a_professional/)
+
+now I will go over how to trade the stock in the next couple of weeks. I am cutting down the number of words I am writing because it has come to my attention from comments in my previous posts that a lot of you guys can't read. So I am going to keep it even more basic.
+
+We are now approaching where TSLA and NIO were after their first initial rally, correction and consolidation before the second leg rally which then forms the symmetrical triangle.
+
+https://preview.redd.it/yzim1gl5ke561.png?width=629&format=png&auto=webp&s=2e35a306b95241794ff00e6c69b14e6285bae886
+
+Again, this was the same chart for Tesla for the first phase of the run-up and transition to the second run-up. The slight skew of the triangle doesn't matter, what matters is you see a narrowing of the band before the upward movement.
+
+https://preview.redd.it/obkgayjake561.png?width=629&format=png&auto=webp&s=71c53d79f93f758ee43d8b46c61646088f1f7293
+
+Now we look at option pricing. Option deltas  are the most attractive that I have seen on PLTR for almost 1+ month now. These tell me that there are very few buyers of call options at this point and we are in a lull before periods of significant more option buying.
+
+​
+
+https://preview.redd.it/v2btc0pyje561.png?width=701&format=png&auto=webp&s=4e01729545a596866a3b062935bee7d25f6ebe41
+
+We are about to start the explosive second run phase of Palantir and my target still mid to low 40s by end of the year/early next year.  Again, don't be surprised if we still dip down to around 23. But the downside is largely done. This is of course assuming we don't get a massive stock market crash for which I have small amounts of hedges on VIX calls that are rolling on a monthly basis.
+
+https://preview.redd.it/1orczd5xje561.png?width=629&format=png&auto=webp&s=ef76cf4df7324f0779a1949f980dd78d29f2f150
+
+TLR: go long PLTR now, risk reward is quite favorable. 23 is the lowest it can probably go in the short term. You are already seeing doubters on PLTR on WSB. This means from a psychological stand-point, most would be sellers are already gone. The market is now open widely to incremental buyers. I bought some 12/24 calls at the 30 strike and added more to my 5/21 50 strike.
+
+**Update 12/16. Stop being a pussy** 
+
+https://preview.redd.it/ge9ltanywk561.jpg?width=1262&format=pjpg&auto=webp&s=a050397fc46fd511ff6b689815e1acd110d879aa
+
+​
+
+https://preview.redd.it/9vvkyoh2xk561.jpg?width=1246&format=pjpg&auto=webp&s=c3642b067a16913d071f4c67f2537e30d32f3de8
+Hey guys, there are a lot of articles suggesting that the world debt crisis is out of control and that we are heading for more than a recession/depression.  Possibly a currency collapse and who knows what will happen after that.
+
+This is partly due to COVID-19 but we were in trouble way before that.  I don't think this is news to anyone here.
+
+With the world debt to GDP ratio at an all-time high, unprecedented QE measures in all major countries coupled with the shutdowns and effects of COVID-19 things look pretty bleak.
+
+We are in a credit/currency crisis much larger than the 2008 crisis, there is no debate about that.  
+
+In September 2019 global debt was about $253 trillion. Which is 3.3 times the global GDP. That was before COVID-19.  As of the end of 2019, we were sitting on $87 trillion more in global debt than at the onset of the 2008 financial crisis.  The same things that caused that crisis are still part of the system.
+
+In addition to printing money like there's no tomorrow the US fed is buying "unlimited amounts" of mortgage-backed securities.  Remember that MBS's were one of the biggest factors in the 2008 crisis and the only way we got out of that was printing money and bailing out the banks.
+
+I understand that QE measures are supposed to provide liquidity so that the economy can keep running and people/companies have access to credit.  The US didn't ween off of QE since the 2008 crash though.  In fact, they increased the measures in late 2019 and are now pumping out trillions in bailouts and stimulus on top.  That took over a year last time but the US came out swinging with trillions in bailouts in the first round in 2020.
+
+Canada is following the same approach.  In March the bank of Canada dropped interest rates to near-zero while committing to buy $250 billion in Government of Canada bonds.  That is where the CERB money and other stimulus is coming from.  Canada is in better shape than many countries such as the US.  Mostly due to stricter regulation in the banking sector, we aren't out of the woods by any means.  If global credit locks up we won't be insulated from that.  
+
+The only thing keeping global credit from locking up entirely is the influx of newly printed money from world governments.  Are we going to print money to infinity?  What happens then?
+
+It seems that nearly 100% of this sub still has faith in the stock markets, real estate, and the currency itself.  The market is artificially high right now due to QE and bailouts.  We all know that the market is basically a cesspool of corruption but you'd have to be blind not to recognize that it's on life support right now.
+
+Can somebody explain to me how we are able to print money and bailout indebted corporations without causing rapid inflation and/or causing the global economy to implode?
+
+How can you invest in the stock market right now with any confidence at all?  We are very likely to see major corporations unable to service their debt very soon.  The bailouts saved them for now but that money is already spent.  The global debt elephant is massive.  In recent months many highly leveraged companies have been unable to service their debt.  
+
+We are already seeing a string of large corporations filing for bankruptcy protection.
+
+Here are a few examples from May alone: Reitmans Canada, the ALDO gorup, Gold’s Gym, Roots USA, Hertz (car rentals), JCPenney, J.Crew, Latam Airlines, Pier 1, Virgin Australia, Flybe (UK airline), and Diamond Offshore Drilling.  There are way more, these are just some of the greatest hits.  Retail was obviously hit the hardest so far.
+
+Pretty much all airlines that didn't receive government backing have gone bankrupt.  Air Canada is due to go bankrupt again but they will almost certainly get bailed out.  The oil sector doesn't look any better, these sectors aren't isolated they are just the first dominoes to fall.  I can't see a scenario where bankruptcy rates don't accelerate in the next year and that will spread into other sectors.
+
+All I seem to hear is something along the lines of "it hasn't happened before so it won't happen this time."  That's just complacency.  I'm not here to say the sky is falling.  I want to learn why people still have faith in the system.  Maybe I'm missing something.
+
+I want to be convinced that the economy isn't going to collapse but I want to see some real arguments other than blind faith.
+
+TL;DR: I want someone to explain how global currencies won't collapse taking the stock market and real estate with it.  
+
+Please don't post cute/clever comments about bears, chicken little and that kind of BS.  I'm looking for a discussion here not the typical witty comment contest.
+A lot of you are talking about retirement, luxury, and some good ‘ol R&R. Stop.
+
+There’s a lot of work to be done post MOASS. I’m talking massive government reforms through *organized committees*\*, charity management, and even volunteer work if you still have free time.
+
+\***Edit**: I don't necessarily mean that we *collectively* form a committee. Rather, we *individually* form committees that tackle different problems within our country's government/infrastructure. A complete free for all aimed at creating a better world for our children.
+
+We are about to experience the greatest peaceful wealth redistribution in history. But we cannot simply become “them”
+
+You know who I’m talking about. The greedy bankers and wall street executives that spit in our faces then stole all our money. We cannot follow their path. Our newfound wealth must be used to create opportunities and improve the world as we know it.
+
+Climate change will be my personal top priority. I strongly suggest we all take a moment to think about our post MOASS goals.
+
+We must stick to our values and never forget how it felt to be the little guy.
+
+We must free all apes held in captivity.
+
+Finally, perhaps most importantly,
+
+Ooh ooh ahh ahh.
+When I was just getting started out of college and paying off loans the advice was to buy used/reliable, without debt, and then run that car into the ground. That seemed perfectly reasonable when my net worth was very low.
+
+Now my net worth is a little over $1.3M, yet I still stick to that advice regarding car purchases. But the way I'm thinking about it now...if I can manage my cashflow with a car lease payment, and still hit my annual savings goals, it should be ok. Then I can get nicer, newer cars, every 3 years. 
+
+Am I missing something here?
+
+Edit: Wow this post got a lot more activity overnight than I expected. I appreciate the insight
+This is the official $GME Megathread for r/Superstonk. Please keep ALL conversations contained to Gamestop and related topics.
+
+**Not enough karma?** Here's a [**quick guide**](https://zapier.com/blog/how-to-get-karma-on-reddit/) on how to get it.
+
+# [announcements](https://www.reddit.com/r/Superstonk/wiki/index/announcements)
+
+* Make sure to check the Announcements regularly. Large updates will be made as posts using the [**Red Seal of Stonkiness**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22%F0%9F%99%8C%F0%9F%92%8E%20Red%20Seal%20of%20Stonkiness%20%F0%9F%92%8E%F0%9F%99%8C%22) or [**Moderator**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22%F0%9F%9A%80%20Moderator%20%F0%9F%9A%80%22) flair, but smaller updates will be listed in the Announcements.
+* [**Dr. Susanne Trimbath AMA Transcription and Summary**](https://www.reddit.com/r/Superstonk/comments/n1vubv/stonky_news_special_report_dr_susanne_trimbath/), with supporting materials (and memes) 
+
+## flair links
+
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+
+|[**Daily Discussions**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22DAILY%20%F0%9F%93%8A%20Wrinkle%20Brain%20Think%20Tank%22)|[**DD**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22DD%20%F0%9F%91%A8%E2%80%8D%F0%9F%94%AC%22)|[**Possible DD**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Possible%20DD%20%F0%9F%91%A8%E2%80%8D%F0%9F%94%AC%22)|[**Discussion**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Discussion%20%F0%9F%A6%8D%22)|[**Question**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Question%20%E2%9D%93%22)|[**Education/Data**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Education%20%F0%9F%91%A8%E2%80%8D%F0%9F%8F%AB%20%7C%20Data%20%F0%9F%94%A2%22)|
+|:-|:-|:-|:-|:-|:-|
+|[**News/Media**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22News%20%F0%9F%93%B0%20%7C%20Media%20%F0%9F%93%B1%22)|[**Mega Threads**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22MEGA%20Thread%20%F0%9F%92%8E%22)|[**Fluff**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Fluff%20%E2%98%81%22&)|[**Meme**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Meme%20%F0%9F%A4%A3%22)|[**HODL**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22HODL%20%F0%9F%92%8E%F0%9F%99%8C%22)|[**Opinion**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Opinion%20%F0%9F%91%BD%22)|
+|[**Art & Writing**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Art%20%26%20Writing%20%F0%9F%8E%A8%22)|[**Stonky Pets**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Stonky%20Pets%20%F0%9F%90%B1%E2%80%8D%F0%9F%91%A4%22)|[**Shitpost**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Shitpost%20%F0%9F%91%BE%22)|[**Superstonk Bot**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22%F0%9F%A4%96%20SuperstonkBot%22)|[**AMAs**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22AMA%20%F0%9F%8F%86%22&restrict_sr=1)|[**Moderator**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22%F0%9F%9A%80%20Moderator%20%F0%9F%9A%80%22)|
+
+# important links
+
+[**SuperstonkBot is now live for anonymous posting**](https://www.reddit.com/r/Superstonk/comments/mtc3rb/superstonkbot_is_live_whistleblowers_welcome/) (with review)
+
+**Want to learn more?** [**Check out our extensive Wiki**](https://www.reddit.com/r/Superstonk/wiki/index) **and** [**FAQ**](https://www.reddit.com/r/Superstonk/wiki/index/faq)
+
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+
+*Daily discussion threads are created at 4:00 a.m. EDT*
+Hi all,
+
+Long time lurker on this subreddit. I see loads of different posts ranging from people in their 20's with a huge amount of money (salary and/or savings) to those in their later years not earning too much and not sure where to go. I wanted to share my story with you.
+
+As of right now, I am 27 and on a salary of £31k. I literally only got this salary this month, for the first time in my life. I never earned more than £24k until then and for most of my working life, I was under £20k. I have always lived in London so you get the idea.
+
+I went to uni when I was 18 (still in London) to do a degree that by the end of the second year wasn't for me anymore, still I got my degree as it was worth finishing. During this time I got the maximum loan due to coming from a poor home and I was bad with it. I had a student account with a £1500 overdraft, which was a huge mistake. By the end of the 1st year at uni, I maxed out the overdraft (as it was a student account, I was not being charged this) and I also had a student credit card, which I was £500 into. I was 19 at this time and already -£2000. 
+
+That trend did not change after uni, I met someone, it got serious, almost got married and both in debt. I worked as an estate agent and some months I would be at least £100 out of the overdraft, only to fall right back in. Month before the wedding it got called off after 5 years together and we lost all the deposits as well. I moved back in with my mum with a loss of identity and owing the bank money. 
+
+This was the best thing to happen to me.
+
+During this time I paid very little rent, which allowed me to focus on paying off all my debt, I didn't feel like going out or seeing friends so I didn't have much reason to spend. I opened a HTB account as well to put away what little money I had at the time. I was working in cyber security on £23k at the time. After a few months I was able to be debt free and meet someone.
+
+Fast forward a couple of years and here I am. Earning over £30k after finally getting a promotion, good amount saved up, preparing to buy a property in the new year and a comfortable joint house hold income.
+
+I got very lucky in my timing. When I moved back home, my account was in the last year of being a graduate account, this meant I still wasn't charged for being in the overdraft and the final year gave me time to pay it off. I paid of my credit card bit by bit until I was out of my overdraft and then I paid the rest off. 
+
+I wish I had seen this subreddit at the time, looking at the flow chart, it's an incredibly helpful tool and would have been useful for me at this time. If you feel like you are struggling with debt, please follow this chart.
+
+My goals are to buy a property within 2021 with my partner, get married, do some low risk investing and then see what the future holds. But looking back at when I thought my life had fallen apart, I don't even recognize that part of me anymore.
+I remember reading articles back in January that it was overvalued at a PE of 65. But it now seems to be trading at a PE of 135. 
+
+What changed ? 
+
+I understand PE is not the only factor, but it still is a big factor in measuring how much one is paying for a stock.
+ I recently just lost 10k on my 30k account and it really hurts as I was up 2k and then varied away from my trading strategy causing me to take a massive L, but it didn't stop there as I got risky with my plays to try and make the money back and now I found myself with only 20k left. I know it's not the end of the world but geez does it feel like it. So how much have you guys lost? and how did you get over it?
+Looking to invest in some property, as well as beef up my current investments and it is a bit tight with just my singular income now. What are some of peoples' favorite side gigs or additional things that they do to supplement their income to meet their goals? 
+
+Open to 5, 10, 20, even 30+ extra hours a week. 
+Boyfriend is 22, just got a job - actually his first one. He's bought everything himself his entire life. His parents however are fairly well off but only pay for one thing, his phone bill. I'll give him credit that he's been fairly smart with money and always saved up. 
+
+His monthly expenses are as follows:
+- 250 student loans
+- 250 gas
+- 8 netflix
+
+He has been driving a yr 2000 chevy that (honestly) is a beater. The transmission actually died on it last month and he had it replaced even though the car was totaled. That cost about 1600.
+
+Anyway, he just got a new job making $32,000 a year and while it has full benefits including a 401k, he's been showing me the numbers and telling me he can "buy a $35,000 car" - which is one he's really wanted for the past two years.
+
+Doing the math he figured he pays about 667 in taxes a month, and that at 4.0% interest with 10,000 down, his payments would be about 550 for the car, and 250 for the insurance. 
+
+So, I did the math with him and totaled EVERYTHING up. It came out to $22,000 - taxes, gas, netflix, insurance, and car payments.
+
+I just can't help but think he's wasting a considerable amount of money and shouldn't do this. But he won't listen and says he'll save 50% of the remaining 5000 every month and the other 50% he'll budget for expenses. So that's $400 guaranteed savings and another 400 for whatever expenses (less than 100wk).
+
+I want to show him this thread so I'm hoping I can get some good feedback from much smarter people (that aren't me). His parents are the type of people who don't care *what* he does because it's his life but have 100% said they won't give him a dime.
+
+EDIT: also to be fair to him, he keeps track of ALL of his expenses on his phone. He totaled up the past 18 days of the month and it came to a whopping $115 not including gas since he already accounted for that.
+
+**EDIT** Wow this is got big. I have shown my boyfriend the thread:
+
+- Yes his parents pay for everything "else" and are okay with him living home for the next five years
+
+- He is working in tech and as everyone knows after a year of experience they usually receive big jumps, although he is starting out with a bad salary for his specialty (I guess that's what it's called) he is working with "something else" and they are training him.
+
+- regarding the car: he said he'll re-evaluate in june. he can't use it to tow a jetski in winter anyway. so basically, he's going to wait and see if he gets a raise in 6 months, if he can live off of a 1000 a month budget, and how much he has saved up by june. he said that he realizes how stupid it is now but "I don't even buy clothes more than once a year so those are literally my only expenses"
+
+As for why I mentioined the past "18 days" of expenses in the OP - he has tracked it month to month. From september to november first he spent $200 total! it's usually less than 115 but not always.
+
+Thanks for the "help" though
+What an amazing community I found, giving me true hope in really scary times. I love you apes! 💎🙌   
+
+PD. In case you are curious, I live in Peru. Elections are up soon, one candidate is extreme left, admires the current Venezuelan government and says they are a good example, while having links to terrorist groups, and the only other choice is the daughter of a dictator that also was the most corrupt president in the history of the country.  
+ 
+So yeah, not good. The GME subreddits have educated me so much in stonks so I can make the best investment of my life but also helped me inmensely in keeping a good mental health recently. Truly an awesome community. Thank you!
+It was taken private in 2016 at a valuation of 1.35Bil. Tomorrow at IPO they are pricing shares at $17 for a valuation of 2.72 billion. Really? It's doubled in a 5 year period? No. It hasn't, this is JAB holdings realizing they bought something they probably shouldn't have, milked it for all it's worth and trying to scrap it for more then it paid for.
+
+What are some RED FLAGS you might ask? Take a look at the S-1...
+
+Of the last three fiscal years, it's only lost money in the last three. Said otherwise, 100% of the time of the required amount they need to show they have lost money. FY19-FY20 Organic revenue growth of 1.2%.. That won't even beat inflation. On the bright side- bottom-line was negative. They went from only losing 37 million in 2019 to losing 64 million in 2020. I didn't look to much more in-depth at the S-1 to see the valuation even though below the $21-24 they initially were trying to get.
+
+It also has a billion in debt it didn't have when it went private.. curious...
+
+​
+
+Don't be a fool, don't buy Krispy Kreme. The fresh donuts are delicious, but the stock is a no-go.
+
+​
+
+S-1 filing on [SEC.GOV](https://SEC.GOV) \- [https://www.sec.gov/Archives/edgar/data/0001857154/000119312521177720/d107564ds1.htm#rom107564\_10](https://www.sec.gov/Archives/edgar/data/0001857154/000119312521177720/d107564ds1.htm#rom107564_10)
+I wanted to know if bigger pockets membership is worth it. I am new to real estate investing and wanted to educate myself from the ground up.  Not sure if its worth the 200 bucks a year or not ? any info or advice would be greatly appreciated
+Hello all, 
+
+I am beginning the process of starting to look for my second property. Last year I bought a duplex on an FHA loan that I house currently house hack and I have the privilege to say that so far real estate investing has been good to me, so I’d like to buy another property. I am looking to house hack again but with a 4 family this time. I am wondering that since I will be owner occupying the next property will I need to tell the bank of my first property that both units are rented and it’s no longer owner occupied? Do I have to refinance since I’m no longer living there? I believe I may have enough equity built up to refinance from an FHA to conventional but since I’m not owner occupying it would be refinanced into an investment property and I will be charged a higher interest rate? What would you do if you were in my position? If someone wouldn’t mind clearing this up for me and advising me on what steps they did going from their first property to their second I would greatly appreciate it. 
+
+Thanks.
+There are a lot of memecoins going round but today I present you with an actual project. Radix is the only L1 protocol with unlimited scalability and full atomic composability across all shards.
+
+
+For people who don't know what atomic composability is, it is the ability to instantly commit a transaction across multiple shards at the same time in a single step. This is in contrast to non-atomic composability where a transaction goes through on one shard first and then other shards later or cross shard transactions take multiple blocks to process. Non atomic composability is really inefficient and completely breaks a lot of apps, things like flash loans and apps like yearn and MakerDAO stop working properly across shards without atomic composability and even apps like Uniswap can experience problems.
+By providing atomic composability and Unlimited scalability Radix is the only project that will be able to scale DeFi indefinitely into the future without issues.
+
+
+Radix makes dapp building much easier too, dapps are built out of FSM components which are more secure than solidity smart contracts, easier to build and easier to learn for traditional web devs crossing over into the world of decentralised apps. App developers who build useful components on Radix will receive lifetime royalties whenever their component is used, encouraging the growth of the Radix ecosystem and rewarding devs for making valuable contributions.
+Right now the project is sitting at a marketcap of 170M, this is nothing for a project that is solving such huge problems and has this level of technology.
+If the tech wasn't enough, Radix is about to release their Betanet a week from today and Mainnet in June. It is early now but momentum is building up now and after seeing what recently happened with Solana I don't think it will remain undervalued for much longer.
+
+TLDR
+- Unlimited scalability, very fast, cheap fees
+- The only platform where apps don't lose performance with sharding
+- Easy to build apps on
+- Lower risk of smart contract exploits
+- Great developer incentive program (lifetime rewards)
+- Betanet in 1 week, Mainnet in June
+- 170M marketcap
+Radix has real potential to be a top 10 project.
+99% of people in here have no idea what the fuck they are talking about.  I'd guess your average "investor" in this sub is about 19-24. For the last 2 years in crypto, you could pretty much throw a dart and pick a winner. Everyone who made some cash last year thinks they are a genius because they can draw some lines on a graph.  I've spent a few hours on this sub daily for the last month or so, and I am 100% confident saying a new investor will walk away worse off than if they never read a single word here. It's mostly just shilling of something they want to see go up or some uneducated ramble about a stocks potential. 
+
+This sub, in theory, is like /r/askscience, in the sense that you expect educated people providing educated answers, but it's not. This sub is a cluster fuck of people saying whatever the fuck they want, and stuff randomly upvoted based on pure speculation or more likely vote manipulation. 
+
+I'm not saying good advise can't be found, but if you read something questionable, check the users post history. If most of the other posts are from /r/overwatch, then maybe do some more HW. 
+Hello guys and gals, like the title says I am new to investing.
+
+I just opened a TFSA account with Manulife. I have a group plan from work. 
+I am limited to my employer's choices of funds. 
+
+My TFSA is in BlackRock global equity ex can. The same as my retirement funds.
+
+I want to invest in ETF. VFV to be precise. I do not know if Manulife offers this. I'm waiting for a call back.
+
+If they do not, I will withdraw my funds from my TFSA and invest with wealthsimple again in a TFSA.
+
+A part from vanguard vfv, is there something else I should invest in?
+Planning on investing upwards of 500$/month for the long-term. Minimum 15 years.
+
+I'm a very late in the game. 39yo single father.
+TORONTO - TD Bank Group's profit slipped in the fourth quarter compared with a year ago, missing analyst estimates for adjusted earnings, amid what it says is a “challenging macroeconomic environment.”
+The bank says it earned $2.86 billion or $1.54 per share in the quarter ending Oct. 31, down from $2.96 billion or $1.58 per share a year earlier.
+
+On an adjusted basis, TD says had a net income available to shareholders of $2.88 billion, or $1.59 per diluted share, down from $3 billion, or $1.63 per, share last year.
+
+Revenue was $10.34 billion, up from the $10.14 billion a year ago.
+
+Analysts had $1.74 per share of adjusted earnings, on revenue of $9.85 billion, according to financial markets data firm Refinitiv.
+
+The bank says Canadian and U.S. retail banking saw earnings rise, while income from wholesale banking was down $126 million, or 44 per cent, from a year earlier on impacts of derivative valuation charges connected to upgrades to the valuation system and related methodologies.
+
+https://www.bnnbloomberg.ca/td-s-profit-slips-in-q4-amid-a-challenging-environment-1.1357980
+Very interesting that Berkshire Hathaway often averse to overpriced technology stocks has loaded up on the one tech stock that has ~~delivered poor performance~~ taken a dive from its July 2015 high of $130 now trading at $93 and received recent bad results. Berkshire Hathaway who invest (very) long may know something we don't...?
+
+Does anyone know what Apple will be releasing in a few years to come? or what they are currently researching?
+
+http://www.ibtimes.com/warren-buffetts-berkshire-hathaway-buys-apple-inc-aapl-stake-raises-position-ibm-ibm-2369557
+
+edit: Buffet**t**
+
+Edit2: **Berkshire Hathaway** is loading up on AAPL not Warren Buffett alone, I wrote the title in a hurry sorry for any confusion!
+TLDR – Unmotivated kid that barely made it out of high school, joins the military, gets educated, and travels the world as a Corporate cog before retiring comfortably at 54.
+
+ 
+A lot of the posts here seem to follow a common pattern:  Young person gets a good degree, lands a great high paying job at a tech company, starts saving right away, and retires in their early 30’s .  Absolutely nothing wrong with that – wish I had done it that way. 
+
+ I have been FI for a few years and figure I am about 5 years from RE, so I thought I would share my story for those of us that did not have our act together, early on.
+
+ I barely graduated high school in 1989.  I think I failed 2 classes my senior year solely because I skipped too many days.  With absolutely no interest in school, I got a job doing construction work.  Getting bored with that, I enlisted in the Air Force in 1991 (starting pay $697.20/mo).  A co-worker convinced me to take a college class with him.  What started as 3 semester hours, quickly increased to 15/18 semester hours.  While I would not say it was enjoyable, it did give me something to focus on.
+
+In 1996, I completed my degree in business (from a school I guarantee you have not heard of) and was accepted to Officer Training School.  Along with the 52% bump in pay with becoming an officer, I met my future wife.  Fortunately, she was way better at managing money than I was.  When I got to my next assignment, I started my MBA.
+
+ In 2000, my wife and I welcomed our daughter.  After 10 years, I left the Air Force in 2001 with about $40K (wife/my IRAs) and $10K for a house down payment.
+
+I started off an IT consultant.  My pay was about twice what I made in the military, but the first job did not last long as the company went out of business.  Fortunately, I was able to quickly move to a client, doing the same work - with a raise.
+
+ Over the next 20 years, I continued to work/advance in this field, moving to different companies and getting progressive bumps in pay.  During this time, we kept saving more.  Maxing out IRAs, 401ks, Coverdell, even a Mega Backdoor Roth for a few years.  At the peak, we were probably saving 70% of my income. 
+
+ Most of my jobs required a lot of international travel, so I was able to travel the world in business/first class, on the company’s dime.  While I have been to around 50 countries on 6 continents, there were probably 15-20 countries that I traveled to a bit more frequently.  My wife and daughter were able to accompany me on several of these trips.  For personal trips, I had lots of points/miles.  I tease my wife and daughter that they are spoiled because the first time they had to fly economy for an international trip was in 2018.
+
+ After moving on from my last job (completing my 2nd Master’s degree, while I was there), I came to the realization that I really did not like working anymore.  I was always one of those guys that thought I would work forever.  Then that number dropped to 67, then 65, then 60.  Now I have got 54 as my number (~5 years away).
+
+ I have $2.6M in retirement savings, a rental house that is paid off, and my daughter has 3 semesters of college left.  We just used up her college savings, so will pay off the remainder as the bills come in.  Our only debt is our current residence and we just got that refinanced to 2.75%.
+
+ My goal is to get to $4M in retirement savings before retiring.  Using conservative numbers, along with our current savings approach, this is doable.  Our rental property will get sold off to purchase our retirement home, wherever that might be.  My wife and I are starting to research areas.
+
+ Compared to most people, I am in a pretty good place financially.  Especially when you consider how I started off and that I am missing 10 years of work-related retirement savings/matching.  I put this story out there to demonstrate to others that “don’t think it’s possible” or will “never be able to do what these other people have done.”  It will not be easy, and it will take a lot of effort or commitment on your part, but it is possible.
+
+ 
+Some general thoughts/recommendations from my experience:
+
+-Get a degree!  Do not overpay for it and make sure you can get a job with it.
+
+-Max out your tax advantaged accounts.  You will never get to where you want to be without doing this.  It is going to be painful, but once you adjust, you will not miss it.
+
+-Being a landlord is OK, but it is nowhere near as simple or handsfree as people make it out to be.  I would have been much better off (with a lot less hassle) if my money sat in the market.
+
+-If you are saving money for your kids to go to college – save MORE.
+
+-The Air Force is a perfectly good way to get started.  However, you will need to maintain focus.  Get into a career field with a marketable skill and go to school.  It is a lot more fun to drink with your buddies than it is to go to classes at night. 
+
+ 
+I tried to keep this as short as I could, but I am more than happy to answer any questions.
+Have been reading and researching and interviewing people about China economy for a while. With Xi confirmed for the 3rd term illegally , I have made my mind to short China.
+
+I am looking to buying YXI. Die anyone have other good ways to short China . Want to hear from you.
+Welcome any constructive opinions and discussions.
+Thank you
+I was pulled over today for a tail light being burned out. I was wearing my trezor around my neck, and the police officer asked what it was for, and i explained what is was for. he wasnt going for the explanation i gave him. And was telling me it was a voice recorder and was going to be taken in for evidence. I know Texas law and police interaction is allowed to be recorded if i remember correctly.
+
+Monday I have to call my attorney to get my trezor back, i have my seed, but dont have a replacement trezor at the moment.
+I’m newly 18 and have been working casual for a while with 18K saved up, got a car and all that and I’m still living at home so expenses are relatively minimal. I’d like to get into investing but I haven’t the slightest idea how. I’m in Australia if that helps.
+From Saturday's Wall Street Journal article on AMC:  
+
+
+"As the (AMC) stock rocketed the next day, day traders exhorted each other not to sell, flashing images of diamond hands on social media to signify the strength of their commitment. But back among AMC's long-standing investor base of Wall Street players, there was money to be made. Silver Lake, which held a $600 million investment in the company's bonds, immediately capitalized on the rally by converting the debt into equity and liquidating its entire position, capturing a $113 million profit."  
+
+
+When I read this I was really pissed, until I read on and saw what it meant for AMC . . .  
+
+
+"Silver Lake's quick decision amounted to a material gain for AMC. 'It was immediately beneficial...cause we got rid of $600 million of debt,' Mr. Aron said."  
+
+
+"Mr. Mahmoodzagedan, AMC's investment banker, said, 'The retail investor (that's you beautiful smoothbrained retards)  clearly had more faith in the long-term viability of this company than a lot of the institutional investors did.' That, he said 'gave the company a major life-line. The retail investor really helped create that bridge to a post-pandemic future.'"  
+
+
+Remember this for when they haul you in front of a Senate Inquiry like they did DFV. "We save American companies. Wall Street short sellers destroy them. I am not a cat. I am the savior of American businesses."
+We are first time buyers and totally baffled by the whole house buying situation. My partner and I have been approved for a mortgage so our max budget would be  £330K but all the houses we like are offered for £350 - £360K. Is it insulting for us to make an offer on the houses we like and is it realistic of us to expect to get one of these or are we being naive? Thanks
+
+Last week we were seeing so many low effort memes, shitpost, and actually news falling through the cracks because of the bombardment of posts.  This isn't to hate on any apes just excited to share content or get something out, but the sheer amount of reposts and low effort stuff getting through was really clogging things up.
+
+As someone who doesn't have the time I would like to browse here, rising is usually my go to and in 48hours the original content and more news posts has been fire.
+
+To all you warriors on the front line of new doing your thing, I salute you keep up the good work, just another cog in this well oiled machine of a sub to keep all of us apes informed, laughing, and on top of things, you guys are the real MVPs right now
+
+EDIT:1 if anyone can message me the link to the knights of new post I will link it here, for the love/hate of mobile I can't find it for anyone wondering what it was
+Period of report 2021-06-30
+
+[Last report \(period of report 2021-06-30, effective 2021-08-16\)](https://preview.redd.it/wjbjnjzemqh71.png?width=1857&format=png&auto=webp&s=ec2b1467c4fd492a515a8ca7fc0b52aee1e478d6)
+
+[https://www.sec.gov/Archives/edgar/data/0001649339/000156761921015632/0001567619-21-015632-index.htm](https://www.sec.gov/Archives/edgar/data/0001649339/000156761921015632/0001567619-21-015632-index.htm)
+
+[For comparison, this is the previous report \(period of report 2021-03-31, effective 2021-05-17\)](https://preview.redd.it/gvjmq0dblqh71.png?width=1835&format=png&auto=webp&s=e27b32a0a88c2650bf882f68c6846a761211075a)
+Momma Cathie Woods has been pruchasing. (DKNG) DraftKings all week in anticipation for earnings week.. Feb 26 2021 
+
+After the Superbowl DKNG sold off a bit but quickly recovered on low volume mind you this... 
+
+Major resistance at $63-64.  If we can break that before earnings then we have a potential for a $70 pre earnings run up.. 
+
+The chart has already bottomed out from the last Dip and it's the perfect time to load up on some weeklies calls slightly out of the money..
+
+Position: Feb 26 $62 Call
+
+Edit: I just got my very first award! Thank you kind sir.. I don't think this post was worth it though
+Reddit will be shut down, and we won’t have access to this subreddit. The price of gme will be going up down and maybe in your wife’s boyfriends ass, but what is most important is that we all hold. Do you remember 2008? Do you remember how many people committed suicide because they lost everything. The day the margin call happens we will all be tested as a group and as individuals. Which one of us will sell when it suits them? Which one of you will be a paper handed bitch and just think about yourself. This is the one fucking time regular retail investors have a fighting chance to take back what was lost. This system will always be rigged for us as individuals.... but what we do as a collective will affect the next hundred fucking years. When the price is right for you and you think of selling, think about the people who talk about living in vans and only have one share. The person reading this far, I trust you to hold. I believe there are enough people out there who won’t hold just for the money, but to send a fucking message. You can talk about how you won’t paperhand, but when the moment comes, will you be true to your word? There’s nothing stronger than a group of individuals with nothing to lose, love you apes!!!
+How do you guys here deal with the mental aspect after running into a losing streak? We all analyze our errors look at charts,  make notes on what went wrong.
+
+But the mental aspect, how do you bounce back from it, any interesting tips?
+
+I personally always struggle, even after going over everything theres a moment of what if this shit continues, maybe I should quit and do something else etc.
+
+
+I'm just curious.
+
+Extremely knowledgeable people and experts are commenting everywhere and technical reports can be found easily and they are updated in real time.
+Economic calendars tell me the outcome and impact of different events all around the world.
+
+The whole thing seems like a huge neural network so why do I feel like people are telling me to go rogue on the market?
+
+I just followed some advice on USD/JPY yesterday morning and it turned out to go exactly where people predicted. I earned profit using someone elses research and knowledge.
+
+I guess there is always a risk no matter what, but not compared to the fuck ups I would manage to do on my own.
+hi guys, i looked on reddit and youtube where i can learn how to trade forex and saw youtubers like karen foo and ICT bc it seems like they dont want to sell u something and then i looked up these names on reddit but mostly everyone is telling they are just frauds and want to scam you but how ? lets take karen foo she doesnt even sell any course or something so why are people saying they are frauds and liars. Where can i find good people to trust in and learn to trade ? Where do u guys learn from ? just want to now what u guys think about that topic. thx in advance
+Im interested in know how those of you who trade and have a full time job (Note: I dont mean trade as a full time job).
+
+Do you find yourself missing trades?
+Do you just do reaearch after work for the next day and set limits and stops?
+Do you check your trading a lot at work?
+Basically, whats your routine?
+If I could consistently win prop challenges I would rather use my skill to scale out all available prop firms instead of doing challenges for other people for a small money.
+
+Am I missing something?
+
+Don't think that I will use that service, I know that is wouldn't lead to a payout.
+
+I just wonder why, is it scam?
+ Lurker here!
+
+Got my hours cut as a server, so I did the next best thing.
+
+I applied to GameStop across the street from the restaurant, and the manager just called me in for an interview! The manager was super nice and told me that it's one of the busy stores where I live, and with my qualifications I can move up fairly quickly!
+
+Yay! I'm super excited :)
+
+Edit: I wasn't sure if I wanted to post on here (since I mainly lurk and throw some comments here and there) but I just wanted to share with you guys!
+Disney posted better-than-expected earnings on both the top and bottom line, bolstered by increased spending at its domestic theme parks.
+
+On Wednesday, the Walt Disney Company reported that total Disney+ subscriptions rose to 152.1 million during the fiscal third quarter, higher than the 147 million analysts had forecast.
+
+https://www.cnbc.com/amp/2022/08/10/disney-dis-fiscal-q3-2022-earnings.html
+By pure luck I bought some CNQ and CVE back in Nov 2021 which has offset my losses of holding AMZN.
+
+What are your educated estimates on how the energy (oil & gas) companies will fare? Are there drivers for oil and natural gas to go even higher? Or maybe factors to make oil fall back to $80 per barrel (which will cause energy stock prices to fall accordingly)?
+
+Looking for serious replies. Thanks.
+Warns Investors That Nuvei, Under The Leadership of CEO/Founder Philip Fayer, Has Gone Through Multiple Rebrands And Has Demonstrated A Pattern of Shady Business Practices, Resulting In Fraud Allegations From Former Customers
+
+Reveals Evidence That CEO Fayer Previously Falsified His Educational Credentials And That The CFO And Chief Corporate Development Officer Are Concealing Their Involvement At A Company Whose Parent Forfeited $19 Million In Criminal Proceeds Following An Agreement With The U.S. Department of Justice
+
+Believes Investors Should Know Why Nuvei Failed To Disclose The Departure of Allan Lacoste, A Named Executive And EVP of North American Partnerships, Who Was Recently Referenced In A Lawsuit As Being Allegedly Involved In A $100 Million Fraud Case
+
+https://www.businesswire.com/news/home/20211208005594/en/Spruce-Point-Capital-Management-Announces-Investment-Opinion-Releases-Report-and-Strong-Sell-Research-Opinion-on-Nuvei-Corp.-NASDAQ-NVEI-TSX-NVEI
+**G**ood **M**orning **E**veryone!
+
+Did you know, we can track **ComputerShare** purchases on the daily chart and can see *approximately* how much affect on price the buying pressure is having on the stock? If you want to learn more, read this DD!
+
+Firstly I'd like to give a thank you to everyone's favorite Pomeranian (/u/Criand) for giving me a shoutout in his latest ComputerShare DD in the past week! I promise I will give you lots of treats and walk you as soon as I'm done writing this. While I was working on Part 2 of [Dispelling the FUD surrounding ComputerShare](https://old.reddit.com/r/Superstonk/comments/p3owe8/dispelling_the_fud_surrounding_computershare/), I decided to take a break and tackle this topic ASAP. The buying pressure on ComputerShare has been so great that we can **actually see it on the charts** and everyone should be keeping track of it.
+
+**Minor Refresher with Buying on ComputerShare**
+
+When you place an order with ComputerShare, you are asking them to make a purchase for $X amount of money. They will contact your bank to withdraw the funds. This process takes 2-4 days in my experience. Once ComputerShare has your funds, they pool it with everyone else's money looking to purchase GameStop shares on that particular day. ComputerShare instructs their partner brokerage (many have reported that it may be Merrill Lynch) to buy as many shares of GameStop as possible using the amount of cash that they have on hand. The order is sent as a **Batch Order**, it is specifically a **Market Buy Order** (*slap the ASK*). They will buy as many shares as possible with the cash on hand for **whatever price anyone is asking.** Now some shares will be purchased for a low price and some shares will be purchased for a high price. ComputerShare divides the cash by the number of shares bought and that is the average price for everyone on that particular batch. That means everyone that purchased in that batch will have the same execution price. Within minutes of the batch order being executed (or ComputerShare refers to this as the "Transaction") the average price is reported to you. This means that we can keep track of the batch by keeping an eye on this in real time **and find the transaction on the chart!** Theoretically this can be used to estimate the number of shares batch purchased on any day that we have batch purchase information for. Who is ready to buy the float *again!?*
+
+**Sidenote: Open and Close Transactions on NYSE**
+
+Over the past few days there has been some speculation that massive orders at market open and market close on the NYSE are ComputerShare orders being executed. I am not certain of that, but if someone can come forward with evidence it certainly can be looked at.
+
+## Show me the shares!
+
+I have made a few purchases on ComputerShare over the past few months. I quickly realized after the first few transactions that I could look up the price I paid on any given day and try to find the time range that corresponded with the price on the chart. After some looking I found that, in my experience, the transaction occurred between 10:00 AM - 11:30AM each time.
+
+With the sheer number of posts coming in with ComputerShare purchases, I realized we could be tracking this for **everyone**!
+
+**Tutorial: How to look up the price you paid.**
+
+Step 1: Log on to ComputerShare (PC or mobile, doesn't matter).
+
+Step 2: Find your GameStop shares on the summary page and click "Actions". Find the link that says "Transactions" and click it. (You may need to click "View More" first)
+
+​
+
+https://preview.redd.it/gyjjz9u9v8p71.png?width=414&format=png&auto=webp&s=47d038419c079d3f32519b10df58f0273ab6cfc0
+
+Step 3: Find your completed or pending transactions on the list. Pick out a transaction and click "View Details".
+
+​
+
+https://preview.redd.it/famsseqav8p71.png?width=1155&format=png&auto=webp&s=3200ceed8b99bbc2ae2c3b4cb32b9bbe2f0c95f2
+
+Step 4: On your transaction details page note two things. The **Transaction date** and the **Price**.
+
+​
+
+https://preview.redd.it/p0wgr4jbv8p71.png?width=584&format=png&auto=webp&s=6e7c6c5cb00b06d4af591a18844ad17fb933ff05
+
+Step 5: Head to your favorite charting website (or Yahoo Finance because you're lazy) and look up the chart for that date. Find where on that chart the line crosses your price. Note the time and see if you can figure it out.
+
+​
+
+https://preview.redd.it/1y7x9b9cv8p71.png?width=645&format=png&auto=webp&s=06e79042726e0a0c8de5844359eafe9f34bc2b20
+
+Bonus points. If you have a transaction currently in progress, please have ComputerShare loaded on the transaction date and check multiple times throughout the day to see if the price has updated. It will say "AWAITING PRICE" if the batch hasn't been made yet. By doing this, you may be able to help pinpoint the time down to the exact minute and/or find the transaction directly on the NYSE.
+
+**We need more data points for this information. Apes should, hopefully, share the price they paid along with the transaction dates. This information will help us with the following:**
+
+* What time did the batch order execute?
+* How many shares approximately were part of the batch?
+* Was there more than one batch order executed per day?
+
+This information will help us estimate:
+
+* How many shares are left outside of ComputerShare?
+* How long would it take to lock up the float?
+* What does organic buying pressure look like compared to manipulation?
+* Can retail really affect the price or are we at the mercy of the hedge funds and institutions?
+
+## Real World Data
+
+These last few days have been amazing to watch as apes literally flood ComputerShare with transfers and new purchases. Seeing this movement occur has even convinced me to move **even more** of my shares over to ComputerShare and make a new purchase. One of the benefits of the surge in ComputerShare activity is that it is now possible to actually see the movement on the chart without looking too hard.
+
+**Monday Sept 20, 2021**
+
+/u/malcolmLS noted that their batch purchase was processed at a price of $200.2384. This corresponds with a batch purchase that occurred at approximately 10:01AM - 10:02AM. The total share volume for those two minutes was approximately 55k shares and caused a 1.55% price increase. While not all volume can be directly attributed to the ComputerShare purchase, I believe it is reasonable to assume the batch order volume was around 40-50k shares on Sept 20th.
+
+​
+
+https://preview.redd.it/3g5imupdv8p71.png?width=789&format=png&auto=webp&s=34a24c245bbf09aad638fc85e5e9820b217b8f98
+
+**Wednesday Sept 22, 2021**
+
+/u/WahidJH noted that their batch purchase was processed at a price of $192.65. They made their post at around 11:57AM, so the batch was executed before this time. This corresponds with a batch purchase that occurred at either: 10:20AM, 10:45AM or 11:15AM. The chart crossed the batch price on upward movement at these three times. While it is likely to have been any of these times, I believe it was 10:20AM (or possibly 10:45AM). The volume at 10:20AM was approximately 65K shares and around 10:45AM-10:50AM it was closer to 100k shares. In either case it moved the price by approximately 1.2%. There very well could have been 2 batch orders on this day, if anyone has a different price paid for Sept 22, please let us know! Either way, there was potentially some massive ComputerShare volume at these times.
+
+​
+
+https://preview.redd.it/reub5pkev8p71.png?width=927&format=png&auto=webp&s=d3af66dcdbe7ce6333ca5067db32397a51436ae4
+
+## Putting it all together.
+
+In my experience, my shares have all executed between 10AM and 11:30AM. The data points shown on Monday and Wednesday also point to execution between 10AM and 11AM. Anecdotally, several people have mentioned to me that their orders were also executed around these times as well. I think it is relatively safe to assume that price movements around the 10-11AM hour **could** be caused by ComputerShare. It is not likely that ComputerShare sends their batch orders immediately at market open, nor market close.
+
+Let's look at what has happened the last few days around this time:
+
+​
+
+https://preview.redd.it/tn3rd0vfv8p71.png?width=1644&format=png&auto=webp&s=05a38b00133c02ddae571f007594518d92e97377
+
+While not all the days have been overly positive due to an overall downward pressure on the market, perhaps the purchases on ComputerShare can actually be seen having an impact. There has been some nice buying pressure around the 10AM hour on most days. If anything it looks like the buying pressure today actually saved GameStop from closing lower!
+
+## Share your batch price
+
+If we can start gathering this data and trying to figure out when the batch orders occurred on any given day it will give us a great means of estimation. But fair warning, if we know when the ComputerShare purchases execute, short hedge funds also know and can apply shorting pressure at around the same time to neutralize the buying pressure. But really, if shorting hedge funds want to start giving ComputerShare buying a discount AND injecting more naked shorts that's good for us! The absolutely worst thing shorting hedge funds could do is cause the price to spike during ComputerShare buying. (Come on SHFs, you know you want to do it!) I am sure that in either case, hedgies r fuk.  This knowledge should help us and encourage everyone that **ComputerShare is the way.**
+
+Here is a table that can help get us started:
+
+|Date|Batch Price|
+|:-|:-|
+|July 6, 2021|$196.7116|
+|July 19, 2021|$171.2100|
+|Aug 12, 2021|$158.4699|
+|Sept 20, 2021|$200.2384|
+|Sept 22, 2021|$192.65XX|
+
+Can we start tracking batch prices vs transaction dates? Anyone have Sept 13 - 17 and Sept 21?
+
+**Note:** This is not financial advice. I am not a financial advisor and I am very dumb. I use Yahoo Finance for my graphs, need I say more? You should be weary of anyone asking to share details of your transactions. **Do it at your own risk.** We really just need a handful of data points on any given day and / or confirmation of existing data. Because batches give everyone the same price, the data can be confirmed across multiple people and help identify if there is more than one batch order per day.
+
+**Finally:** Get your tits jacked. If the float remaining is around 30M and we're seeing batch orders around 50k shares daily. It will take approximately 2-1/4 years to buy the float again. That number doesn't take into account those transferring shares in, which may double or triple or quadruple (witch) the speed. Are you ready to HODL? 💎🚀🌙 When this sucker hits 75M shares outstanding you're gonna see some serious shit. (But probably a lot sooner).
+
+**EDIT: You guys are great!** I have been supplied with a ton of data points from everyone's purchases. I will be tabulating and editing this post to add the data table around 8PM EST tonight. Lots of data points agree with one another so there is strong indication that these batches are massive once or twice per day.
+
+​
+
+**EDIT: I HAVE COMPILED THE DATA! You guys rock!**
+
+I have taken all the data points that have been left in the comments. I compiled the numbers into a table. If multiple people confirmed the same price, I put a check mark next to it. There were a few days where it is likely that more than one batch order was placed (Sept 14th for example). If one price had more confirmations than another on the same date, I put more than one check mark next to it. I have no doubt that some apes got their transaction date and settlement date mixed up. I believe the ones with the check marks next to them are pretty much correct.
+
+​
+
+|Date|Batch Price|Confirmation|
+|:-|:-|:-|
+|May 20, 2021|$170.4900||
+|Jul 6, 2021|$196.7116|✓|
+|Jul 19, 2021|$171.2100|✓|
+|Jul 20, 2021|$176.3800||
+|Jul 23, 2021|$175.6700||
+|Jul 27, 2021|$181.7014||
+|Aug 4, 2021|$153.1700|✓|
+|Aug 5, 2021|$150.9900||
+|Aug 9, 2021|$157.61||
+|Aug 11, 2021|$156.4151||
+|Aug 12, 2021|$158.4699|✓|
+|Aug 16, 2021|$167.4796||
+|Aug 17, 2021|$168.5443|✓|
+|Aug 19, 2021|$154.6538|✓|
+|Aug 20, 2021|$153.8506|✓|
+|Aug 23, 2021|$163.1966||
+|Aug 25, 2021|$215.7940||
+|Aug 26, 2021|$203.4050|✓|
+|Aug 27, 2021|$208.0087|✓|
+|Aug 30, 2021|$216.2759||
+|Aug 31, 2021|$208.0087||
+|Sep 2, 2021|$213.0400||
+|Sep 3, 2021|$211.1600||
+|Sep 7, 2021|$204.0366|✓|
+|Sep 8, 2021|$192.5866||
+|Sep 9, 2021|$199.6600|✓|
+|Sep 9, 2021|$184.8391|✓|
+|Sep 10, 2021|$198.4694|✓|
+|Sep 13, 2021|$194.3325|✓✓|
+|Sep 13, 2021|$204.5200||
+|Sep 14, 2021|$200.1789|✓✓|
+|Sep 14, 2021|$205.0506||
+|Sep 14, 2021|$194.9987||
+|Sep 15, 2021|$200.6991|✓|
+|Sep 16, 2021|$208.6256|✓|
+|Sep 17, 2021|$205.4422|✓|
+|Sep 20, 2021|$200.2384|✓✓|
+|Sep 20, 2021|$199.9900|✓|
+|Sep 21, 2021|$192.3390|✓|
+|Sep 22, 2021|$192.6500|✓✓|
+|Sep 23, 2021|$194.3200|✓✓|
+|Sep 23, 2021|$194.5600|✓ (Is this one correct?)|
+|Sep 24, 2021|$189.19XX|✓ (around 11AM)|
+|Sep 27, 2021|$???||
+|Sep 28, 2021|||
+|Sep 29, 2021|||
+|Sep 30, 2021|$169.13||
+|Oct 1, 2021|||
+|Oct 4, 2021|||
+|Oct 5, 2021|$172.14|✓ (Around 10:45-10:50AM)|
+|Oct 6, 2021|$170.13 (Recurring)|✓ (Around 10:45-10:50AM)|
+|Oct 6, 2021|$171.15 (One-time)|✓ (Around 10:50AM)|
+
+​
+
+Thank you to everyone that has submitted data for this!
+I finally paid off my personal loan of 9k with an interest rate of 16%. It feels wonderful!
+
+The money was from a windfall, my mom passed away but I'm so thankful she wanted life insurance so we could help ourselves when she passed. Of course I would want her alive over money any day. 
+
+But it feels great to be debt free. And I hope it stays that way!
+I know for beginners, technical analysis takes time to master. But as much as you can learn trading, you still need to practice. If you use candlestick patterns/charts, which one's have a higher accuracy... 
+
+I know trading on charts may be limiting coz the entry points/exits may not be clear, but still, are there any patterns that work?
+Hi all, I've always hated the idea of a 9-5 office job but to complete my degree it requires I do 12 months of work in the 3rd year (4 year long degree), I'm 10 months in and my opinion of 9-5 jobs has not changed, I finish my job in August/September and go back to uni for my final 12 months. Meaning I'll have loads of spare time, and thought this to be the perfect opportunity to try trading to see if I can at least make a bit of money on the side. My question to you all is if you have any tips or good places to learn, could you please point me in the direction? Everywhere I look online takes me to courses that costs anywhere from £400 - £4000, is this the normal thing people do to learn? 
+
+TLDR: 12 months to practice trading, where do I start?
+
+Any and all help is greatly appreciated, you all stay safe at the minute!
+I’m looking to start learning trading.  I’m looking for advice on trustworthy resources that can assist me educationally, and advice on a good platform to use.  I plan on day trading, and learning options as well.  
+
+There’s so much free information out there and a lot of it can contradict each other,  it’s hard know what I can trust as a credible resource.  
+
+Any tips that can send me in the right direction would be greatly appreciated.  
+
+Thanks.
+I'm trying to learn how to trade and the concepts seem understandable, not easy, but understandable. Though, I have seen many comments on YouTube videos that says it is almost impossible to learn trading without the help of an expert.
+
+Do you think I can self-study my way into learning how to trade and be successful with it at least at a relative scale?
+Has any of you ever tried to trade by doing just the opposite that one suppose to do like when the indicators and trend tells you to take a long position and instead you take a short position to see what happens?
+
+I am testing that right now with paper trading.
+I am an equity and equity derivatives trader and have been successful for quite some time. I wish to scale this into a prop trading business and later on into a hedge fund. One hurdle that I face is institutionalizing my trading approach; i.e. from approaching trading as a retailer to approaching it as a professional (like prop shops and HFs).
+
+My questions are -
+
+1. How can I go about this? Are there online resources that I can access to understand how a hedge fund/prop shop ideates and executes trades?
+2. Can studying for the CMT help with better technical analysis of trades? (I use a technical + fundamental approach to trading and I am on course to completing my CFA by next year)
+3. How are Macro fund managers able to understand market liquidity flows and what can I do to get that skill?
+
+(My background is in Private Equity; Trading capital markets is something that I have learned by myself and is now my only profession)
+ This is going to be a simple post on how beginner traders can make money. A basic understanding of price action and market structure is going to be needed to understand the concept.
+
+The strategy is based on the law of averages which states that any deviation from it's mean will essentially revert, that makes this a mean reversion strategy. In simple terms, when price goes too far away from it's average, we're going to take the reversal trade to hopefully take profit back at the average. In order to understand how to do to this, we're going to need an indicator which tracks volatility, a great indicator to use would be the Bollinger Bands indicator as this overlays 3 lines on your chart, the middle line which is your average price, the top and bottom lines then which become your deviations. I would personally recommend a deviation of 1.8 and the input length should be variable depending on your timeframe, don't worry if you don't get this right, experience will help you much more than just understanding the theory, don't be afraid to play with the settings of the indicator to find what's right for you.
+
+Now that we have the Bollinger Bands indicator applied over the chart, the last thing you're going to want to need is a Volume indicator for Volume Spread Analysis (VSA). Now VSA is worth understanding for multiple strategies, it's the cleanest way to read supply/demand in the market and you will be able to gauge what's going on to a fairly good degree of certainty. It's important to remember that no matter how certain you are, you can have a great setup but still lose - you cannot help the market going against you and that is why it's important to have strict risk management rules.
+
+In terms of managing risk, you're going to want to max risk 0.5% of your account on any single position and when price is deviating away from it's mean, you should ideally enter small positions perhaps risking 1/10th of your overall risk tolerance and scale into your position. This is because if you have read the market wrong, you will only be wrong small. However, if you have read the market correctly this could result in at the very least 1:1 and if you happen to see price and structure playing out in your favour you might very well have momentum on your side too. It should be noted that when trading this strategy you have to be absolutely ruthless when cutting your trades at a loss. You shouldn't think about it, if you believe the market is still going to turn around but you are at your max risk tolerance, you should cut your loss immediately and understand that you incorrectly sized the position for your trade. If this is happening quite often to you, I would recommend using an average true range (ATR) indicator to help gauge how much the market is moving, this will help you correctly size positions at fairly decent price intervals.
+
+The final part of the strategy is to take note of market structure, you will want to be placing trading below and above support and resistance lines after price has deviated far enough from it's mean. You will also want VSA and overall trend confluence before taking these trades. As a bonus you can also add a volume weighted average price (VWAP) indicator to help gauge how expensive or cheap an asset's price is for the daily session if you are scalping.
+
+Please note I have not fully explained each detail in-depth and it's recommending you do so before attempting to practise this strategy. If you have any questions feel free to post them below and I will update this post with any missing information from the questions that I answer. Happy Trading :)
+I believe so. Recently there were some fake emails posted that reported to be from CLSK. The user who posted them knew they were fake when they were posted. Should behavior like that earn a ban from this sub?
+
+Edit: some of you seem to think I'm salty because I'm a bagholder. No, I made money off CLSK. By nature, penny stocks are high risk for P&D. Do your DD, and trust but verify.
+It has to be said: an overwhelming amount of crypto “influencers”  are no better than used car salesmen or snake oil salesmen.
+
+Their enthusiasm during bull runs is almost never curbed by the principles of sound investing practices.  
+
+Guys like James from Investanswers try to sound responsible by advocating for diversification within the Crypto world, while at the same time publishing hour long videos “analyzing” data which proves how one can retire by 2035 on “X” coin because “charts.”
+
+These are the people who pump coins (Terra Luna), claiming future price points of $80k while not being able to identify even a single red flag.
+
+These are the same people who advocate for giving up your keys to companies like Celsius to earn a nearly risk free yield.
+
+But they aren’t culpable of anything because they start their videos with “this isn’t investment advice.”  What they should say is “this isn’t good investing advice.”
+
+It’s easy to look smart in a bull market, but it’s when the tide goes back out when we find out who was swimming naked.
+Hey everyone, first time posting here. I am 29 years old, and I’m facing a time in my life where I feel I am genuinely not happy and beat down. I have been working consistently for my company for about 7 years, making about 80k/yr. I work so much I feel like I have been missing out on what life is all about. I have close friends that make half of about what I do and have wives and kids. And I’m genuinely jealous of their lifestyles. My job is very demanding in its hours (60-70/week).  And I’m just ready for a change as I feel like maybe I will actually be able to meet someone if I didn’t live at work. I have about 25k in savings. 25k in 401k, and 15k in various other accounts (HSA, stock portfolio
+
+My house as it sits is worth about 240-250k. (4bd 2 bath) if I renovate the bathrooms and fix various things about $300k. I have the opportunity to be able to do these things myself as I used to build houses in my teens, early 20’s. My job now has nothing to do with construction though
+
+If you were in my shoes, what would you do? I need to do something. Do I sell my house, take all the cash and buy some rental properties? Then refinance those and buy more ? I want to eventually have enough passive income to not have to work for someone other than myself. 
+
+Thanks guys
+I almost completely blew up my account and I am trying to get it back. When I had more money it was a bit easier. Now with lower funds I am scared to enter trades. What strategy would you use? I don’t want to make a mistake and risk it on one trade. On the other hand smaller trades may take an extreme amount of time. What advise would you be willing to share. Thanks,
+[**GameStop Wallet Support**](https://support.blockchain.gamestop.com/hc/en-us/sections/4412111751955-Getting-Started)
+
+# 🟣 [Computershare Megathread](https://www.reddit.com/r/Superstonk/comments/v2ff5r/drscomputershare_megathread_062022/)
+
+>Wondering what DRS is? Want to know how and why people are Direct Registering their shares? Here you'll find our guide and additional resources, as well as a welcoming community answering questions in the comments!
+
+# 🙋 ​[What's GME & should I consider investing?](https://www.reddit.com/r/Superstonk/comments/qig65g/welcome_rall_looking_to_catch_up_on_the_gme_saga/)
+
+# 📚 Library of Due Diligence [GME.fyi](https://fliphtml5.com/bookcase/kosyg)
+
+>A collection of over 200 of the most important, groundbreaking **D**ue **D**iligence. If your looking to familiarize yourself with the GME bull thesis or the underhanded tactics of the short sellers involved in this trade– then this is for you
+
+**Read** [**the Rules & Wiki**](https://www.reddit.com/r/Superstonk/wiki/index) **||** [**MOASS FAQ**](https://www.reddit.com/r/Superstonk/wiki/index/faq) **|| Join our** [**Discord**](https://discord.gg/Superstonk)
+
+Low karma? Want to feed DRSbot? [Post on r/GMEOrphans](https://www.reddit.com/r/GMEOrphans/comments/qlvour/welcome_to_gmeorphans_read_this_post/)
+
+How to [Filter by Flair & Search](https://www.reddit.com/r/Superstonk/comments/v0oxp2/how_to_filter_by_flair_search_for_posts_on/) on Superstonk
+
+Tag u/Superstonk-Flairy for help with user flairs, find [custom emoji options here](https://www.reddit.com/r/Superstonk/comments/v89p0h/new_superstonk_user_flair_emojis_how_to_edit_your/)
+Update 5/3/21: My option contracts have got destroyed but im still confident they print. I have been getting some more VGSH contracts b/c im confident they will print because the market will raise rates before the FED wants. There might not be a lot of buyers in these contracts so I plan on exercising these options and selling to get my money on them. 
+
+https://preview.redd.it/agzqhf2uk0x61.png?width=1408&format=png&auto=webp&s=6239cbd8ac9e83e66f12396520d128e4ca18435f
+
+https://preview.redd.it/5f275i2uk0x61.png?width=556&format=png&auto=webp&s=5f95ffe4aba27cddd0426c455e0c28dae14fa385
+
+https://preview.redd.it/uqc6l03uk0x61.png?width=568&format=png&auto=webp&s=82272310d23f5fd2a184ad482e01217f2ceecea7
+
+https://preview.redd.it/hacobi3uk0x61.png?width=568&format=png&auto=webp&s=be50f69af0b5fda48080b822b5624342fc8e3a30
+
+​
+
+​
+
+​
+
+​
+
+Update 4/3/21: I took another huge hit on Thursday when treasury yields took a dip. I am still extremely confident in this trade. Even more confident than I was when I made the original post. If you look at CFTC website, Commodity Future Trading Commission at the commitment of traders you can look at the position on U.S. treasuries among asset managers, leveraged funds, and some other people.
+
+**I'm not the only one short treasuries. Leveraged funds are short treasuries to the tune of a couple trillion dollars (someone please tell me if I am mis-interpreting these position share numbers and the total amount short. i am multiplying the short share number by  face value of the contracts). Their position on the 2-year and 5-year is short 2:1.**
+
+https://preview.redd.it/33asisy960r61.png?width=1714&format=png&auto=webp&s=b191cb2a09b910bb7c27382e5541c00f3db380c7
+
+**This is only highlighting 2-year and 5-year and leveraged funds. You can go look through this yourself. Either way, there are 2 trillion dollars worth of 2-year and 5-year treasuries sold short. i saw this play before these leveraged players and i think it is safe to assume that they are smarter than me. I would not expect institutional and asset managers to have such speculative short positions because they are more concerned about % returns and portfolio balance than taking big gambles. Seems like funds backed off the 10-year short positions and they are net long on 10-yrs (at least asset managers and leveraged funds). imo, that real interest rates on 10y at 1.72% would still be less of a loss for funds than 2-yr and 5-yr bonds. these shorter bonds.**
+
+[https://www.cftc.gov/dea/options/financial\_lof.htm](https://www.cftc.gov/dea/options/financial_lof.htm)
+
+[https://www.cftc.gov/MarketReports/CommitmentsofTraders/index.htm](https://www.cftc.gov/MarketReports/CommitmentsofTraders/index.htm)
+
+Here are my positions as of April 3 2021 (4/3/21)....4321. 1234?
+
+I have been trying to diversify my equity positions. Working on getting more money into my account to build my commodity positions.
+
+​
+
+https://preview.redd.it/x3rwyj1a80r61.png?width=1464&format=png&auto=webp&s=70e7b81111f2a248523ea8d54e32847a598e400c
+
+https://preview.redd.it/0j3rpe1a80r61.png?width=568&format=png&auto=webp&s=4a9c31d13bdc7d94cb70d01114d3b19bbb7a8b52
+
+https://preview.redd.it/mc8wai1a80r61.png?width=566&format=png&auto=webp&s=a9361961a78020c865eed167dd6be165e50ac626
+
+https://preview.redd.it/cve30g1a80r61.png?width=554&format=png&auto=webp&s=292079b7e9199befe6794eea583bbab5f0b8dcda
+
+Update: 3/30/21 I am currently in the field collecting data. Remember I am a biologist. I wanted to share an article written by Ray Dalio on bonds.
+
+"bond prices are close to their upper limits in price, which makes being short them a relatively low-risk bet"
+
+[https://www.bridgewater.com/research-and-insights/why-in-the-world-would-you-own-bonds-when](https://www.bridgewater.com/research-and-insights/why-in-the-world-would-you-own-bonds-when)
+
+Last week was a pretty brutal week, below are my holdings. I will post again when I get back from the field. I'm not worried about these losses. As time goes on, im growing increasing confidence in this position.
+
+https://preview.redd.it/3oiuz4q1v9q61.png?width=1486&format=png&auto=webp&s=464b15b34d1dc5d2204124157ca9ddddfba44498
+
+https://preview.redd.it/eciqafq1v9q61.png?width=562&format=png&auto=webp&s=203fb1ae23b28c23176c4ef98d7dd3f7a6c74d0d
+
+https://preview.redd.it/g4r9bjq1v9q61.png?width=564&format=png&auto=webp&s=6c808174992f121b532070a32b92bed2264497c3
+
+https://preview.redd.it/8jhe74q1v9q61.png?width=554&format=png&auto=webp&s=ab566d359c01219b1c2b9000cc43b901e196f555
+
+​
+
+Update 3/19/21: since the update i sold almost all my commodities and put it against the bond market. I sold my TLT put today in the money and got some pretty good gains on it. When I sold all the commodities that I could I bought a bunch of TBT calls for June that were close to the money (I spent \~1600 on this). Im not sure what I want to do with the money I cashed into today with TLT put. Im going to wait until next week to decide where I re-invest it. Good chance I go back against bonds, but I like RFP, MT, CLF, and other commodity plays.
+
+The volatile of some of my calls makes the amount of money and the line that tracks my account deceiving. Don't get anything I purchase if you don't know what your doing because i am an amateur.
+
+FUD is real and there are bear and bull thesis out there on the market and I have listened to so many people it casts doubt on my original thesis. However, the circumstances of todays market, especially the amount of speculation, make me confident in betting against bonds and I think until it is clear how the FED can get out of raising yields without causing inflation or financial crisis.
+
+The main bull on bonds is Steve VanMetre: [https://t.co/obHyG6uw9v?amp=1](https://t.co/obHyG6uw9v?amp=1) ;[https://youtu.be/knthggCs\_KQ](https://youtu.be/knthggCs_KQ) . He knows a lot about bonds than I do. Im just not sure that his US-centered interpretation of bonds/treasuries reflect the what the market will do because about half of our treasuries are owned by foreign investors.
+
+Great blog I found who is a bear are on the entire market: [https://zensecondlife.blogspot.com/2021/03/peak-sugar-high.html](https://zensecondlife.blogspot.com/2021/03/peak-sugar-high.html)
+
+Also listen to Peter Schiff, George Gammon, and David Hunter.
+
+SLR: change was lifted today and Steve VanMetre thinks that this will spark a bull run in bonds (meaning yields go down) because banks will have to go out and buy a whole bunch of treasuries to meet their SLR rule. This might be true and it could bring yields  down for a while, it could also be why David Hunter the contrarian thinks that yields will fall before they go up really high. I don't want to offer my speculation because I have nothing unique to offer than all of the people out there, but i am BEARISH on bonds.
+
+So many experts out there but no consensus. We are in unprecedented times with treasuries at historic lows. To me it seems we are closer to 1929 then we ever have been. I am sticking with this play and ill post here with updates, losses or profits. I still think I win this trade in the end.
+
+My positions as of market close today.
+
+https://preview.redd.it/hvhrotml42o61.png?width=2162&format=png&auto=webp&s=0e77225954bf589b95cd05fc9da777fa0b2dc2ab
+
+https://preview.redd.it/tag2html42o61.png?width=676&format=png&auto=webp&s=24ab3f82762a7702992d4954caed5cb30174f6f9
+
+​
+
+​
+
+​
+
+\-----------------------------------------------------original post------------------------------------------------------------
+
+Hey everyone,
+
+So basically I think there is a good probability that we are at the edge of an economic downturn. I have been talking about the bond market, and looking into what is going on there and it is clear that the FED has their hands tied on this and our only path forwards are 1) hyperinflation or 2) failure in the bond market due to rising interest rates.
+
+In 2019, the world economy was running hot AF. In just the span of time from 2018-2019 the us median income rose 2%, poverty dropped 2%, and it all seemed very good.
+
+The FED saw that the economy was getting hot, and that their quantitative easing (QE) policy might be becoming less effective. They have some bank tools that are used to combat inflation and interest rates. These tools are IOER, SLR%, and YCC.
+
+IOER: Interest one excessive reserves. This is perhaps the most important tool because feds can manually change the interest rate on the M1 money stock. This is important because from this first money stock, every-time one passes hands there is an interest rate associated with it. So Interest rate on IOER affects the M1 money stock, M2 money stock, all banks, and almost all of the credit that we try to get, it also affects SLR%.
+
+SLR%: Supplementary leverage ratio %. This is basically how much loan loss reserves a banks and companies need to always keep on hand in order to meet the needs of their members. For example, the US fed can put a cap at 10% SLR% and that means that the bank can leverage 90% of its money out, while only keeping 10% on hand. This is influenced by IOER and this SLR% is the main reason we cannot raise interest rates using IOER.
+
+Edit 3/16/21: see full description at bottom. IOER and SLR% are two independent tools that the fed can use to influences rates on the money stock and for bank collateral.
+
+In 2019 we tried raising IOER, which increased SLR. When we did that we moved the underbelly of a beast so massive we had no idea how big it could be. When we raised IOER many banks and companies have taken out so much debt that they literally COULD NOT STAY LIQUID with increases in interest rates.
+
+[https://youtu.be/URvok29rf-w](https://youtu.be/URvok29rf-w)
+
+Not only did this raise in interest rates lead to a huge liquidity disaster, it also led to liquidity disasters IN OTHER COUNTRIES. That is really really really worrisome. We raise interest in the IOER and all the suddenly Turkey also is having a major fucking liquidity issue. I don't know each country but I do know that our 2019 actions were affecting Turkey and other countries.
+
+So what did we do in response the the 2019 liquidity disasters? WE LOWERED INTEREST RATES AND PRINTED MORE MONEY. WE KEPT THE ZOMBIE GOING.
+
+then the pandemic hit...
+
+The pandemic hit and the FED already knew we were at a knives edge with the bond market. So their plan, although they say it was to help us, was to pump up the zombie economy with a huge monumental stimulus. Then we got two more after.
+
+I wanted this stimulus, we all wanted this stimulus, but by pumping the stimulus in the economy and pumping up these institutions that can't stay liquid if they had high interest rates has kind of put off the inevitable. A huge falling out of people who have too much debt.
+
+So here we are in 2021. Government debt has not improved (it has got worse), credit ratings on many zombie companies that aren't turning a profit are going to get worse and worse credit ratings = high standards of SLR% to stay liquid. This is going to make it even MORE difficult for these companies to deal with high interest rates.
+
+**WHAT DOES THIS FIRST PART MEAN?**
+
+We have tools to deal with inflation, the most important being raised interest rates using (IOER) which influences SLR% and capital requirements of institutions. However, we have so much debt, and so much of this debt belongs to companies that don't turn a significant profit. So we can't raise interest rates if we don't want a flat out crash in the bond market and wave of bankruptcies of major corporations and possibly financial institutions.
+
+so if controlling for inflation by raising IOER would lead to a liquidity crisis in the bond market, how do we control for and prevent hyper inflation?
+
+People have been talking about Yield Curve Control (YCC) as it is a tool to control for inflation. However it is not. YCC works by the FED going into the economy and buying up as many 10y and 30yr bonds as they can (this puts more money in economy), then selling a bunch of their short term expiring bonds. This buying on the long end and selling on the short end would help keep interest rates low for companies to stay liquid, BUT LOW INTEREST RATES LEADS US TO MORE INFLATION, so this plan will not work for very long.
+
+**THE FED IS BETWEEN A ROCK AND A HARD PLACE**
+
+**increase IOER to control inflation** = major liquidity issue and a fallout of our bond market
+
+**do YCC to avoid fall out of bond market** = more inflation!
+
+**print more money** i**nject it into the economy** = buy more time but put off inevitable.
+
+I have been thinking about this and I don't see that they have a way out. I have read into it and also heard people talk about this long before I got here. Below I leave some links so you can hear about this from someone else besides me.
+
+[https://youtu.be/CCmdmOr06pY](https://youtu.be/CCmdmOr06pY) (CNBC on bond market)
+
+[https://www.youtube.com/user/TheMoneyGPS](https://www.youtube.com/user/TheMoneyGPS) (another person who actually looks at numbers and data)
+
+[https://youtu.be/28VXEocPnw4](https://youtu.be/28VXEocPnw4) (Peter Schiff has been saying this for a long time)
+
+[https://youtu.be/Y1OkOtQND8w](https://youtu.be/Y1OkOtQND8w) (former banker sees same pending disaster)
+
+**Commodities**
+
+I don't want to talk about the inflation we are seeing in commodities because we have talked about steel a shit ton here and all of us know that inflationary signs are all over the economy. CPI will literally be the last indicator that inflation is here SO PLEASE INGORE THE FED WHEN THEY SAY CPI IS LOW.
+
+We see inflationary pressure all over the market. Especially in commodities, producer prices, import costs, housing prices, etc. The FED is only saving face with CPI cause they know controlling inflation means crashing the bond market.
+
+**My Plan**
+
+**Exposed myself to commodities**: I have invested in a handful of commodity tickers $RFP $MT $CLF $LPX $CTT $PCH $SXC, $ADM because even if we have the catalysts of a crazy economic recovery we also have inflation. So no matter what these stocks do, they HAVE to go up. I think in 2021 any commodity stock that can produce cash is a good one to have.
+
+**Expose myself to raising interest rates**: To ensure that I do not end up being a bag holder for the irresponsible lending and money printing that our government has engaged in for the last decade i am buying puts against the bond market. I have bought puts against $TLT $VGSH $HYG $VMBS $VGIT. I will keep buying them too.
+
+**interest rates stay low = more inflation = commodity stocks go up**
+
+**raise interest to control inflation = bond yields go up, prices of bonds go down. potential fallout of companies and institutions that can't meet SLR%**
+
+I took out positions on Monday and its like i touched a beast that just woke up. It should not be possible to be up $1500 in one day. the VGSH puts for october that I got for 10 dollars are now worth like 300.
+
+https://preview.redd.it/rrfa5jmh1vm61.png?width=2216&format=png&auto=webp&s=0cfecc64d7cf74f06be13f63d93ec170b739e634
+
+​
+
+TLDR; If you want to protect yourself from inflation, buy commodities. If you want to protect yourself from the fucking house of cards that is the bond market, buy puts on bond ETF's against the bond market. This strategy might be VERY successful this year. Most of the puts i am buying are for the late fall or early next year.
+
+If this country could handle higher interest rates I think we would be okay. But the 2019 disaster did not spur confidence that we we were in a position then, and now the house of cards has only expanded and our money printing has led to enormous amounts of speculation that this world has never seen. Cryptos, SPACs, NFT's, High valuations, Cathie Wood, Chamath, etc. etc. To make this wore we are already starting to see inflation pressures hit producers and commodities. EU and AU are doing MORE MONEY PRINTING and QE. Money hasn't even started moving through the economy too. We have not even opened up.
+
+I sincerely wish I could believe this administration that we are in for a great economic recovery. They are completely ignoring the huge fucking problem right under their nose.
+
+Edit 3/13/21: this guy seems to agree with me [https://youtu.be/\_\_eVeN8wmfQ](https://youtu.be/__eVeN8wmfQ)
+
+Edit 3/16/21: Heresy capital has a great interview with David Hunter that basically talks about the same thing I see in the financial system, it is overleveraged. [https://youtu.be/v8l3oeq4eE8](https://youtu.be/v8l3oeq4eE8). He has a lot of other great videos too. He seems to have genuine insight and a much deeper understanding of the financial system on youtube compared to MeetKevin, Ten Cents, and Tom Nash. These three youtubers offer some good insight but they are not really focused on macro.
+
+Edit 3/16/21: u/iHustling correctly pointed out that my interpretation of SLR and IOER was incorrect and he looked into it to clarify that these two tools are independent from each other. Below is his explanation of these measures. The misleading part about my interpretation of these two measures is that I assumed IOER also determined SLR%. This was a hasty assumption made by me because I could not see how the rates on the money supply could vary drastically than the SLR% on banks. Here is his explanation:
+
+"IOER set by the Fed for sure. SLR just seems to be a regulation placed on the banks that the Fed can change, but hasn't changed to this date. The Fed exert enough control through IOER and open market activity. The IOER does allow them to basically change the repo rates and Fed funds rate.
+
+If the Fed funds rate were lower then the IOER, banks would make a profit by borrowing from other banks and lending to the Fed and vice versa. Therefore the Fed fund rate and IOER are effectively the same rate.
+
+By controlling the Fed fund rate through the IOER, they can also control the repo rate because the repo rate trails the Fed fund rate by a couple of basis points. The only difference between these two is one is backed by collateral and the other is not. The Fed fund rate is usually 25 basis points higher. This makes up for the lack of collateral.
+
+So what does this mean for your post? It seems the beginning of it may be a little misleading if I am correct in what the SLR is and isn't."
+
+here are all my positions
+
+https://preview.redd.it/c54ice9g1vm61.png?width=552&format=png&auto=webp&s=5a1bed8e2ed7e1151b8ef1d9347d811e4017fc54
+
+https://preview.redd.it/0du8uc9g1vm61.png?width=568&format=png&auto=webp&s=99adc2a783bbc1c4499d975034b2fee10e5e6e65
+
+https://preview.redd.it/kid15f9g1vm61.png?width=556&format=png&auto=webp&s=e785c1a2d5f063834c754fa73e2b36d857591e00
+Trump just tweeted about 30 minutes ago about how he's raising the tariffs even higher. So we might start Monday with a further drop. Seems he's quite content on escalating this further.
+
+EDIT: The tweet thread:
+
+https://twitter.com/realdonaldtrump/status/1165005927864512512?s=21
+Hi y’all! So I’ve heard some criticism against Biden is that the economy is not as good as it was under Trump, and the. The general refutation is that it isn’t bad, it’s good. Could y’all supply resources that show what the state of the economy was like under the four years of Trump and then under Biden (so far) in terms of GDP, unemployment rates, and inflation?
+I’d like someone who was educated in the neoclassical school, or at least is familiar with this flaw in the reasoning to help me out. A supply curve is predicated on the idea that, as outputs from a firm increase, the unit cost (price to produce EACH unit) will go UP as well. This is simply false, and the very idea of mass production topples it. Are there really people who still use the supply curve as an empirical model? Am I totally off-base?
+Their GDP annual growth rates are clearly outperforming the US and UK economies. I am not very educated in economics, but am wondering how this could be so. I remember reading somewhere that it was state investment. Could this be true? Thank you. 
+I am looking to get into investing in some Real Estate options and have been researching many of the crowdfunding type sites. (Fundrise, PeerStreet, Fundthatflip etc).  I am not well versed in this area so thought I'd post for more information. 
+
+The CF options seem enticing and interesting, I'm struggling to see the differences between them vs. investing in REITs. 
+
+Most CF options seem to require a minimum of investment of $500 - $1000 or more and it looks like your money is tied up for awhile (5 yrs?) plus various annual fees. 
+
+REITs seem to provide more liquidity and somewhat less risky for similar annual results if not better based on a few I've looked at.  
+
+Are there Pros/Cons to CF vs REITs that I'm missing.
+
+​
+
+TIA
+First time post, really excited to get started in real estate. I’ve been absorbing as much information as possible, driving neighborhoods, and getting a general feel for the market in my city.
+
+My question is, do any of you find success investing in the nicest neighborhoods of the city? While driving these neighborhoods I think about how nice the property looks and how desirable it would be, but I also then think that anyone who is truly serious about moving into this kind of neighborhood surely has the capital to do so on their own and forego paying rent. Basically, does buy and hold tend to work out in these neighborhoods, or are you looking for an opportunity to add value and flip?
+Sorry ahead of time if all over the place.  
+
+I am in the Tampa market.  My business is in imports and distribution.  I have been in a 12K sq ft warehouse for the last 6 years.  Current rent is around 6,500 a month.  I carry inventory so I have anywhere from 400-900K in paid for inventory at any given time.  I usually net around 200-300K a year and roll most of it back into inventory and growth.  FINALLY this year my net profit should break 1M.  As of this moment I have more cash than I can spend.  Currently Have about 950K in the bank and generating 150-250K net per month (market is currently volatile so no idea if I can keep this up).  I have have a 500K LOC that isn't touched and about 700K in paid for inventory as of now.
+
+The size of my building needs to be 15-25K sq ft.  
+I am currently paying 78K a year in rent.  
+I have looked at loopnet listings for the last few years just for fun.  Cost is going to be 1.2-2.5M.  
+Even though I have extra funds now, I plan to use those funds for new products in the future.  
+
+What should I be looking at considering my current situation?
+We were just retraded twice in one day on a mid-market (~$25mm) multifamily asset we are selling - that’s definitely a first!
+
+I’m in a major market, and in general the only trades I’m seeing in the apartment world are all-cash, 1031’s, or attractive assumable loans - all of which are few and far between.  Institutional capital has all but left the market as their allocations are now overweight real estate.
+
+Most buyers (including us) are “still active”, there’s just no way to connect when seller expectations are still six months behind…feels like we’re in purgatory.  Many of my senior level broker buddies are on vacation and I imagine many of the juniors are polishing off their resumes.
+
+The elevator is stuck.  No real pain or distress yet but I imagine that will come as these 2020/2021 floaters expire.  Curious what y’all are seeing?
+I just listened to my first episode on Spotify (episode 113) and I am a fan.   This will be on my walk the dog podcast rotation.  
+
+I am not affiliated in any way, just a heads up to check it out if theta and tastytrade style is your thing.
+You can take a random redditor's opinion for whatever grain of salt you want, I'm just going to speak what I know and think and not share why or how I know or think that way. Up to you, but I'll try to inform you on what to look for to make your own decisions. I'll bullet point it at the end for brevity.
+
+I'll preface the following with this: Putin is a true believer. He's an orthodox, Russian-nationalist nutjob who, as he has gotten older, has become more and more fanatical about his personal belief that he is destined to reunite all of Russia as it was before 1922. He has spoken and written about this numerous times. He blames Poles, in particular, with a genocidal fanaticism, for pulling Ukraine away from Russia. When he's cool headed, he makes a legal case for reunification of the Baltics, Belarus, and Ukraine to Russia. When he's less cool headed he tends to scapegoat Poles and a select minority of Ukranians whom he associates with Nazis and neo-Nazis. But - like the confused ravings of a madman similar to Hitler a-la pan-Germania - Putin spends a lot of time blaming Poles and Jewish Bolsheviks for depriving Russia of its once formerly great pan-Russian-Empire.  
+I'm getting pretty convinced, but It's a little premature for me to buy puts just yet - because Russia can't act until the snows melt down but before the ground melts which puts major action on the scale of Ukraine around mid March to late April.
+
+This isn't the first time that Russia held drills on Polish border either - so it's a slight premature. However, the composition of the drills is more important.
+
+Previously it was just paratroopers, mostly because Russia wants to signal that in any fight where NATO's ready response force and Poland decide to counterattack Russian supply lines would themselves be met with a counterattack on NATO lines of communication running from Warsaw through Brest, Pinks, Mazyr and Gomel.
+
+Before any action in Ukraine, Russia must ensure that they can accomplish a "Fait-Accompli" and they cannot do that easily in Ukraine and it certainly cannot be done if their own supplies are attacked.
+
+Russia operates from railroad supplies, so their way of war is **ENTIRELY** different from the US in particular. Westerners are very familiar with airdrops, armored columns and highway logistics. US truck fleet is significantly larger than Russia's. Logistics are "days of operation" not miles travelled and so for the US the days of operations from a logistic train is about 2x that of Russia's and Russians are limited from railhead to trucking and the depots in this case are very vulnerable to real retaliation, unlike anything the US saw in Afghan or Iraq.
+
+So I cannot stress enough how important it is for Russia to preempt any closeness to combat operations by making a stand at the Polish border.
+
+What I'd really be most worried about is any time any artillery gets within 30km of Poland. Particularly Brest.
+
+And the main drive would come from Brest, Belarus to Lutsk, Ukraine. It has to come from there. Russia cannot afford to lose the railhead at Lutsk.
+
+I'll be watching for artillery, in particular, being moved into Brest, in particular. And if anyone can confirm its presence. Hard to get information sometimes on the outside.
+
+Rolling stock is also important, if it's being staged closer to Bryansk or Kursk.
+
+If these things start to happen then our chances for a literal madman to make an attempt at forceful reunification of "Grosse Deutschland" - I mean..."Bolshoi Russkii" will have gone up significantly.
+
+And make no mistake. Russia believes they can do it in a Blitzkrieg.
+
+* Russia makes use of massive and mobile artillery units
+* Russia needs to secure Polish border first
+* Brest - Lutsk - L'viv is the line to watch.
+* Rolling stock build-up in Bryansk/Kursk is important to watch.
+* Composition of military drills near Polish border. If Paratroopers it's a statement. If artillery/armor it's war footing. For real, not drill.
+* Russia will not move its armor/artillery to Polish border without knowing that's what it means to anyone with half a brain in their head.
+* Which Biden doesn't have.
+So, I've been sampling 5different brokers over the last 2 years to figure out which one is best for thetagang.
+
+Before I give away my conclusion as to which one I like the best, I'd like to outline what features a good thetagang broker should have:
+
+* Should be easy to enter into multi-leg options orders.
+* Position adjustment should be easy, particularly rolling a strike up or down, or rolling an expiration date out.
+* Positions should be grouped by ticker with options positions arranged logically by expiration date and strike.
+* They should offer interest on cash, as your account should be rich in cash (who takes assignment?)
+* It should offer maximum flexibility for trading Options level 4, extended hours trading, and futures
+* It should have low commission rates, either free or negotiable based on volume.
+* It should have both good desktop and phone apps with easy learning curves.
+* It should have low margin borrowing rates, because of course you'll need to go short once in a while.
+
+​
+
+|Feature|TD Ameritrade|Tastytrade|Robinhood|Interactive Brokers|Vanguard|
+|:-|:-|:-|:-|:-|:-|
+|Multileg orders|Good|Excellent|Poor|Poor|Nope|
+|Position adjustment|Good|Excellent|Average|Average|Nope|
+|Position Grouping|logical|logical|Sort of|Okay|Not really|
+|Interest on cash|0.30%|0.0001%|3% (w/Gold)|\~2.5%|swept in MMF (2.8%)|
+|Options level 4, extended hours, futures|Okay|Poor|Nope|Excellent|Nope|
+|Options commission rates|Very good|Good|Excellent|Good|Above average|
+|Desktop and phone apps|Very good|Excellent|Good|Poor|Very Poor phone app|
+|Margin borrowing rates|Negotiable|High|Low|Very Low|High|
+|**Verdict**|**Best balance of features and cost.**|**Best features, lags in costs**|**Lowest cost if you don't need naked calls**|**Low cost, strongest capabilities, but hard learning curve**|**Not a contender**|
+
+I keep my IRA at TD Ameritrade, my long-term buy-and-hold (non-theta) ETF/mutual fund account at Vanguard, and I'm in the process of moving my trading account from Tastytrade to IBKR.  I have a tiny bit of money ($5k) in Robinhood, but that's only if I want to do some silly penny options where the commission would make a difference to the economics.
+
+Everyone has their own needs and preferences, but I wanted to share my thoughts after monkeying around with 5 brokers in the last 2 years with options trades.  Let me know what you think.
+ [https://www.optionsplaybook.com/option-strategies/basic-option-strategies/](https://www.optionsplaybook.com/option-strategies/basic-option-strategies/)   
+\*\*\*\*\*\^ Options "for dummies" guide \^\*\*\*\*\*  
+
+
+Also was wondering, do most people stick to "The Wheel Strategy" to keep cash flowing round and what would be best for accounts with $1000 that doesn't have enough money to get assigned ? Thank you, theta ganggang!
+I have most of my money running pretty safe pmcc's right now so I'm looking for a couple of other side plays like CPS's or IC's with my extra collateral. I've been looking at companies but the companies I'd feel safe running spreads on have too little volume to do so. What companies do you guys do your credit spreads on?
+Welcome back to my weekly $100k Wheel Portfolio updates! I'm posting an update video every Friday on my YouTube channel, and we're now on Episode 7! I didn't want to break any community guidelines by linking my channel, but you can find it in my Reddit bio, or by searching "Money Crow" on YouTube. 
+
+I also plan to continue posting this type of update every Monday on r/thetagang.
+
+I began making trades on September 21st 2020, 45 days ago as of market close 11/5/2020:
+
+Cash used as Collateral + Cash Balance =
+
+$103,372 
+
+Net Liquid Value if I bought back all open contracts = 
+
+$102,564
+
+I made 5 trades since Ep.6, and I'm excited to share the progress!
+
+Screenshots, spreadsheet, and individual updates with a ton of information that I like tracking:
+
+Ep.7:
+
+http://imgur.com/gallery/7tasiEu
+
+Ep.6:
+
+http://imgur.com/gallery/arX40UF
+
+Ep.5:
+
+http://imgur.com/gallery/BGs4lqE
+
+Ep.4:
+
+https://imgur.com/gallery/nxidYcK
+
+Ep.3:
+
+http://imgur.com/a/9lI7T4R
+
+Ep.2:
+
+http://imgur.com/gallery/liQPVZ9
+
+Ep.1:
+
+http://imgur.com/gallery/PP9lNH2
+
+
+As always, I appreciate any comments, questions, and suggestions. Thanks!
+
+
+Here's the spreadsheet template that I use, in case any of you would like to make a copy of it and use it for yourselves. On the 2nd sheet, it also includes a calculator to help you reach annualized target rates. If you encounter any problems, please comment and I will try my best to assist. Also open to suggestions.
+https://docs.google.com/spreadsheets/d/1ynGzkCEKH_YXemoHDkaqeBrWUIDHz8reN6O4mt5JMgc/edit?ts=5f7b9661#gid=0
+
+*EDIT* EP.8 is up!
+https://www.reddit.com/r/thetagang/comments/jvh5n8/my_103692_portfolio_revealed_wheel_options/?utm_medium=android_app&utm_source=share
+
+*EDIT* EP.11 is up!
+https://www.reddit.com/r/thetagang/comments/k8z1uh/my_107170_portfolio_revealed_wheel_options/?utm_medium=android_app&utm_source=share
+Not advocating or shilling for any brokerage but just some insight.
+
+This may be an unpopular opinion but I strongly believe $5.99-$10.99 per order isn't even that important.
+
+What really matters is how minimal the downtime/issues are for the brokerage and how they handle their support tickets and client calls.
+
+
+I have tried WS Trade, CIBC, BMO, TD, IBKR and Questrade.
+
+Tidy interfaces and additional product offerings (data, l2, terminal, etc) might seem alluring at first, but honestly having minimal downtime and issues should be the #1 priority you should look for when looking for a brokerage.
+
+
+I have personally paid up to a few grand in fees (trades, options, margin) and yes it may seem like a significant amount, but the amount I was buying and selling completely dwarfs it and I reflect how I was able to trade seamlessly without issue. It was well worth the money and this is why I will continue to use my broker and regardless of trade fees. Sure a few thousand in my pocket would be nice, but ultimately I attribute a large portion of my profits to being able to trade smoothly without order issues, or not being able to log-in or whatever.
+
+
+I fully recognize that there are many different types of investors and traders and I'm sure everyone will use what is best for them in the end. Until then, just consider my unpopular opinion and don't be so wary of trade fees.
+I have several properties that have been depreciated over the last couple years of owning them. 
+
+I’m reading more and more opinions saying  that you should not depreciate in Canada because the recapture tax will be in the year you a large amount of capital gains. 
+
+I was planning on telling my CPA to not depreciate them this year but now running some numbers. Does this look accurate?
+
+Rough 2022 numbers 
+
+Rental income 180,000,
+Expenses 110,000 (not depreciating),
+Profit  70,000
+
+I’ve been withdrawing 4,000 a month and my bank balance has remained fairly stable. 
+
+If I don’t depreciate I will owe roughly 20k in tax, dropping my free cash flow down to $2,333 per month. 
+
+Am I missing anything?
+So if according to Blackberry there hasn't been any fundamental changes in their portfolio then what's causing the surge in their stock? If there really isn't anything behind this escalation then surely very soon the price will come crumbling down again. Mind you I've only started investing a month ago so some things are still very confusing to me. I'm not complaining specially since I bought 10 shares at $8.50 and now each at $31.50.
+I’ve spent my whole life focused on paying off my mortgage along with maximizing my registered retirement contributions, but I’d never really put much thought beyond that. 
+
+I’m happy to say that we are now 100% debt free and I’ve caught up on any available room limit in our RRSP, RESP and TFSA accounts. I’m starting to see my savings account grow again, but I don’t know what to do with the money. Do I look at an investment property, or open a non-registered investment account??
+
+We have about 15 years until retirement, and likely $20-30k per year to invest outside of our registered accounts. 
+
+Any advice would be helpful. I’m not adverse to risk, but need something that isn’t overly complicated.
+A short while back, we received our annual notice that it's time to renew our lease.  It came with a whopping 8% increase.  I went to the office and asked if they would reconsider. We've been good tenants for almost five years.  
+
+The complex manager called the corporate office, and they offered me a 4% increase instead.  In addition, they said I only had 48 hours for that rate to remain in effect.
+
+At this point, I was resigned to taking the deal, but told them I was looking at a couple of other places over the weekend and would let them know.  Later that day, they called with a new offer - a 10 month lease with no rent increase.
+
+Just asking saved me $1740 over that 10 month period.  I'm fully expecting them to come back asking for more money after 10 months, but I'm saving up just in case so we'll have options and be able to move if we so choose.
+Hey All! 
+
+So I can't verify every detail of what I am posting here, but I wanted to be sure that I would make a post as a fair warning to all that you should do some further research into this exchange before using it.  
+
+It sounds to me like the creator has some explaining to do to everyone (including those he allegedly ripped off) before anyone uses his exchange.
+
+As far as I can tell, this has Cryptsy 2.0 written all over it!  Here is the research I have done.  
+
+* The creator of SCExchange is "Shane Cory" (please tell me SC in SCExchange makes this "Shane Cory Exchange"). 
+
+* Shane is 19 years old.  
+
+* Shane ran a company that **RAN AWAY WITH EVERYONES MONEY.**  They disappeared off the face of the planet without an explanation and suddenly 4 months later - boom - we have SCExchange. 
+
+  - You can see this by checking out Shane's LinkedIn Page (https://www.linkedin.com/in/shane-corry-a463ab76/) There we can see that he was the owner of CreativeNation (Screenshot in case he edits it https://i.imgur.com/2Q3gleH.png)
+  - A friend of mine googled "CreativeNation" and found tons of warnings and they ended up stealing all the youtubers money.  ([Video Review One](https://www.youtube.com/watch?v=PRrtn4XixSc)) ([Video Review Two](https://www.youtube.com/watch?v=3cVWt0sW0dA&t=22s))
+ - Sounds like this guy got bored with this CreativeNation then ran with everyones money to start an exchange.  Sounds like a recipe for history to repeat itself to me! 
+
+* This 19 year old kid is saying he will accept fiat.  There is a reason you don't see fiat support on most exchanges.  The moment he accepts USD from a US Citizen without a Money Movers license he is going to run into some serious problems.  Being from Ireland is not going to protect him if he's putting peoples money at risk.  I personally have spent a lot of time with lawyers about these issues while searching for potential business opportunities in this space.  End result?  DO NOT ACCEPT FIAT. 
+
+* Another red flag?  Why would you advertise your new exchange and not even have a landing page up?  If you push your product to the world, have things prepared.. this is mind blowing to me.  This alone is enough to not use this exchange in my mind.  Its the simplest thing int he world... put up a page that says "Coming Soon SCExchange" with a countdown.  One hour of work or less. 
+
+Do what you will, and I am not stating any of these things as facts.  He may have an explanation for things... but the fact they simply shut down their website and disappeared without any explanation to any of the people they owe many thousands of dollars tells me they will do it again.  
+
+We have already seen this happen with exchanges run by far more professional and seemingly trustworthy people.  I would be very skeptical about Cryptsy 2.0.  
+
+---
+
+I have been ripped off by shady exchanges before and the last thing I want to do is see other people put their money into things and watch someone run away with it when things get tough.
+
+
+I'm a long time lurker, but I was inspired by  [u/PoppaUU](https://www.reddit.com/user/PoppaUU) recent post: **Love/Hate for FI** to share my own story, as like many other people on the forum it does feel that those within a more 'normal' range do not share their experiences/plans to the same degree as higher earners.
+
+Now I'll certainly admit that my situation as shown below is likely above the stated average of 30-90k from PoppaUU's post of what is considered 'normal' but I still hope those within the more typical income ranges (not \~300K/year; not that i'm disparaging those in this range doing fire: it can just be hard to relate to those posts.) can find something to relate to:
+
+​
+
+**My situation:**
+
+I live in a MCOL area. I'm married to a wonderful spouse who is very supportive of the FIRE mentality. We were both frugal ppl to start with so adopting a FIRE mindset has been relatively easy for us. I only officially stated us down the FIRE path about a year and a half ago.
+
+We have one \~2year old and a 2nd one due in the summer. My spouse works from home a couple days a week for their parents business. I also contribute my time to that business a couple evenings a week after my kid is asleep. I consider this our side hustle atm, though we really see it as in investment as we hope to build the business to a point that it can support all of us.
+
+​
+
+Income: (Pre tax)
+
+\-Household base income: $128.6 K/year\*\*
+
+\-The company has a SPP I take full advantage of this and wait a year before selling. (assuming stock doesn't move in 1 year period this adds \~1.4K)
+
+==> \~$131k/year total pre-tax
+
+​
+
+\*\*Note: This is my base pay with 'expected' bonuses, the bonus's the past couple years have outperformed their expected bounds and company stock maturation this will often push this a little bit higher as well. I didn't originally show this as I was hoping to keep the post relatively simple and somewhat vague for privacy reasons. Yet some users rightfully noted the numbers were not adding up. Again, to keep numbers simple I included an additional line item in 'general finances' to capture the influence of these on my effective 'true' income. I recognize this is hand wavy and won't satisfy some, but I don't intend to expand as at that point I'd have to publish my full finances, which I'm not inclined to do.
+
+​
+
+**General Finances:**
+
+Without going into too much detail we spend:\~$5,120 a month ($61,500/year) on our bills/needs, hobbies, and mortgage (Monthly breakdown below).
+
+​
+
+The mortgage (and the additional principle we pay down every month) accounts for nearly half this quantity at $2450. We purchased the house at a great time in the market (2013) but was still at our upper price range at the time. If I was more cognizant of the FIRE mentality when we purchased we likely would have gone for something smaller. (though I do love our neighbors, the schools are great for the area, and the location is also great)
+
+We have some fluff in the budget for sure (like a pet 'health' plan for our two dogs that I intend to get rid of (1,200/year), and a whole life insurance plan on my wife ($1700 a year), that I'm rethinking)
+
+​
+
+\~$9k Taxes paid: With tax advantaged investments (see below) and child tax credits
+
+\~$11K towards health plan, SS, medicare etc.
+
+​
+
+==> \~$111K/Year true Base income
+
+==> \~$4K in SPP/RSU/bonus growth
+
+​
+
+**Investments:**
+
+$19k max into 401(k)
+
+$5k Employer match in 40(k)
+
+$6k max into spouses Trad IRA
+
+$6k max into my Roth IRA
+
+\~$22.5k remaining invested through the year in non advantaged accounts
+
+​
+
+==> $58.5K/year investment
+
+​
+
+Sorry if all the numbers don't quite add up, I did a fair bit of rounding from my master sheet and didn't double check that the figures here line up
+
+​
+
+**FI Plan:**
+
+My current retirement goal is $44k/year at 3.5% CAPE adjusted SWR. This puts my investment goal at \~1.3M. At my present state that puts me \~12years until FI. I'll likely work a bit longer to pay for my kids college education and this will put me around 45 for retirement. This will align with when we have the house paid off as well.
+
+​
+
+**Debts:** None, other than the mortgage. Cars are paid off
+
+**Current invested assets** \~$200K
+
+**Cash on hand** \~$20K (emergency and investment opportunity fund)
+
+​
+
+**Edit1:** Corrected some of my rounding from my master sheet so the math on here actually works
+
+**Edit2:** Including monthly expenses due to requests
+
+​
+
+**Typical Monthly costs:**
+
+Mortgage: $2450
+
+Day care (2x week): $450
+
+Groceries: $450
+
+Utilities/Internet: $300
+
+Life Insurance: $205
+
+Home Supplies: $200
+
+Gas/Fuel: $130
+
+Eating out: $120
+
+Pet Insurance: $115
+
+Auto Insurance: $100
+
+Entertainment: $100
+
+Home maintenance: $100
+
+Phone: $70
+
+Hobbies: $60
+
+Health/Fitness: $40
+
+Clothing: $30
+
+Other/Typical overages: \~$200
+
+
+I often see higher share prices and feel like I should avoid these ETFs and other funds because they cost hundreds of dollars/share, even $50/share items like JEPI turn me off, even though I know I probably need JEPI if income investing is my intention. Alongside NUSI (which is cheaper) and QYLD & RYLD (both cheaper as well), I can have a balanced approach. But I only have 10K to invest. Thanks
+So firstly, hi! I (M32) am completely new to finance and handling $ over 4 digits.
+
+​
+
+I have been told that I'm getting a quarter-mil USD inheritance once I turn 35 in 3 years. I can't directly use the money before then, but the executor is asking where I want the money invested/held until it's transferred to me. It would more than wipe out all of my debts and have me good to go on almost any new path I wanted. I like my lifestyle now and wouldn't want to change it no matter how much money I have when all is said and done.
+
+​
+
+My short term goals (3 years) for the money are to beat inflation and prepare ways to avoid paying out the nose when I get control of it (I am in the US).
+
+\-The executor and I are both wary of the stock market; I don't want to be glued to the ticker and the executor is keen on keeping money in relatively liquid vehicles. I'll be preparing suggestions to send to the executor for banks with deposit bonuses and HYCAs. Any suggestions?
+
+\-To avoid income/gift tax, would one way be setting up an LLC, having the money owned by the LLC, and I simply be put in charge of the company?
+Hello all! 
+I’m relatively new to this subreddit so I do apologize, but I am looking for small easy ways to help bring in passive income to help support me and my wife! I’ve heard of drop shipping and all that but I think drop shipping is a little risky. I do have a tiny amount of money invested into stocks but that’s about it, I would really appreciate any advice on bringing in passive income or any advice on money management and planning! Thank you!
+This is a post for those of you who might have seen ***The Problem with Jon Stewart*** and are wondering about the fundamentals of GameStop and whether it's still a viable investment opportunity.
+
+Consider the following:
+
+1. GameStop has zero debt (save for a small loan in France associated with pandemic relief)
+2. ~~$1.1 billion in cash on hand~~ **EDIT**: update from u/Apprehensive-Salt-42: "**Closer to 1.5b in cash. Not 1.1b** Seems like a small thing, but that's a lot of extra zeroes in the bank."
+3. rock star Chairman of the Board, Ryan Cohen, who built [chewy.com](https://chewy.com) in his 20s and sold it for $3.4 billion in his 30s before heavily buying into GameStop in December 2020
+4. new customer care center with 500 employees ([https://news.gamestop.com/news-releases/news-release-details/gamestop-hire-500-employees-new-customer-care-center-south](https://news.gamestop.com/news-releases/news-release-details/gamestop-hire-500-employees-new-customer-care-center-south))
+5. new warehouses in New York, Pennsylvania, and Nevada to expand fulfillment network
+6. hundreds of new exec and directors from top firms, including Amazon, Target, Chewy, and Zulily ([https://gmedd.com/report-model/](https://gmedd.com/report-model/))
+7. an NFT marketplace in the works, but under curtains so competition doesn't have the details
+8. NFT marketplace that is streamlined and user friendly has great potential, esp. with NFT markets set to grow over **$40 BILLION** in the next three years ([https://www.coindesk.com/business/2022/01/20/jefferies-sees-the-nft-market-reaching-more-than-80-billion-in-value-by-2025/](https://www.coindesk.com/business/2022/01/20/jefferies-sees-the-nft-market-reaching-more-than-80-billion-in-value-by-2025/)); Also helpful: [https://hbr.org/2021/11/making-sense-of-the-nft-marketplace](https://hbr.org/2021/11/making-sense-of-the-nft-marketplace)
+9. GameStop closed a number of underperforming stores over the last couple of years to trim excess and focus on high performing stores and online sales
+10. complete overhaul of GameStop app in 2021 to be more user-friendly
+11. **EDIT** to include #11 from u/DeadDevotion: "Also the distinct lack of insider selling (compared to popcorn lol) is super bullish to me."
+12. **EDIT** to include #12 from u/soadisnotforbath: GameStop added same-day delivery for their products: [https://www.gamestop.com/collection/same-day-delivery](https://www.gamestop.com/collection/same-day-delivery)
+
+**All of this happened in the span of a year and a half.** GameStop has set its sights on becoming a large tech company--a major player in the gaming and NFT marketplace, with partnerships including IMX, Loopring, and Piñata. There's also speculation of partnerships with Microsoft, Apple, Nike, Snoop Dog, and others.
+
+**BONUS:** The short interest on GameStop is still believed to be more than 100%, and as high as 800%, hidden in derivatives, swaps, ETFs, DOOMPs, futures, and/or other complicated financial mechanisms. Expect high volatility in the stock price as financial institutions fight for their existance--they don't call us Diamond Hands for nothing. My hands are diamond because I've held through price fluxuations of $350 to $39, and my hands are diamond because I'm not selling my shares until the price looks like a phone number. I will also diamond hand some shares forever, and never sell them. Why? Because I like the stock, I like the company, and fuk hedge funds, banks, and this corrupt financial system.
+
+None of this is financial advice, and I am in no way a financial advisor, but if you do decide to invest in GME, many people are registering their shares directly with [ComputerShare.com](https://ComputerShare.com). This prevents banks, brokers, hedge funds, and marketmakers from using the stock for short selling.
+
+**Where to start to learn more?**
+
+[https://gmedd.com/report-model/](https://gmedd.com/report-model/)
+
+Or the GameStop research library: [https://fliphtml5.com/bookcase/kosyg](https://fliphtml5.com/bookcase/kosyg), where some of the best financial journalism has happened in the history of humanity.
+
+If you decide to join this ride, I fully expect to see you on the moon.
+
+\-Duckdive Firestorm, dumbass meme maker
+
+**EDIT: Add Postscript:** Redditors on this sub, from the beginning, have valued primary source information and peer review. We look at SEC filings, company filings, law suits, FINRA reports, Bloomberg terminal data, etc., for research. As you can see from this post, we value updating wrong or outdated information, learning and adding new information, and citing credible sources. And dank memes, of course, because laughter and poking fun at Powerful Institutions is crucial to win psychological wars. Make no mistake, there are paid bad actors on this sub. 🌎🧑‍🚀🔫🧑‍🚀. Welcome aboard and be discerning.
+ 
+
+[This is the official $GME Megathread for r\/Superstonk.](https://preview.redd.it/gzy9yfftoov71.png?width=778&format=png&auto=webp&s=7ce125aa2d7455f994d74a4192f1a04b7d14448c)
+
+**Please keep ALL conversations contained to Gamestop and directly related topics.**
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# Brand new to the sub? Start here!
+
+***You must read the*** [***Superstonk Rules***](https://www.reddit.com/r/Superstonk/wiki/index/rules) ***before commenting or posting on*** [***r/Superstonk***](https://www.reddit.com/r/Superstonk/)*.*
+
+https://preview.redd.it/u7nzd0m0pov71.png?width=1651&format=png&auto=webp&s=df5232178c4035ba1c069f9306b30453b42946cd
+
+The extremely talented and dedicated [u/zedinstead](https://www.reddit.com/u/zedinstead/) has created this beautiful collection of the most important, groundbreaking **D**ue **D**iligence in PDF format that can be easily accessed and shared. If you're looking to familiarize yourself with the GME bull thesis or the underhanded tactics of the short sellers involved in this trade-- then this is for you:
+
+# [GME.fyi](https://fliphtml5.com/bookcase/kosyg)
+
+[r/Superstonk](https://www.reddit.com/r/Superstonk/) employs strict posting requirements to ensure our community stays moderately free from trolls and other such bad actors. As such you may find you have trouble posting if you haven't fully read and understood our rules.
+
+**Posts keep getting removed?** [Find out why.](https://www.reddit.com/r/Superstonk/wiki/index/rules)
+
+**Not enough** [**karma**](https://www.reddithelp.com/hc/en-us/articles/204511829-What-is-karma-)**?** Here's a [quick guide](https://zapier.com/blog/how-to-get-karma-on-reddit/) on how to get it.
+
+**Want to learn more?** [Check out our extensive Wiki](https://www.reddit.com/r/Superstonk/wiki/index) and [FAQ](https://www.reddit.com/r/Superstonk/wiki/index/faq)
+
+**Eager for more even more GameStop info?** [gmedd.com](https://gmedd.com/) is a spectacular resource.
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# Flair Links
+
+[📚 Due Diligence](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%9A+Due+Diligence%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [📚 Possible DD](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%9A+Possible+DD%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [💡 Education](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%92%A1+Education%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) |[📈 Technical Analysis](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%88+Technical+Analysis%22&restrict_sr=on&include_over_18=on) | [🗣 Discussion / Question](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%97%A3+Discussion+%2F+Question%22&restrict_sr=on&include_over_18=on) | [🤔 Speculation / Opinion](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%A4%94+Speculation+%2F+Opinion%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [💻 Computershare](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%92%BB+Computershare%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [📰 News](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%B0+News%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [🤡 Meme](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%A4%A1+Meme%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [👽 Shitpost](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%91%BD+Shitpost%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [📳 Social Media](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%B3Social+Media%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [☁ Hype fluff](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%E2%98%81+Hype%2F+Fluff%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [HODL 💎🙌](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22HODL+%F0%9F%92%8E%F0%9F%99%8C%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all)
+
+You can also find the main flairs in the sidebar on New Reddit and under the "About" page on mobile.
+
+**Mod Flairs**
+
+[📣 Community Post](https://old.reddit.com/r/Superstonk/search/?q=flair%3A%22%F0%9F%93%A3+Community+Post%22&include_over_18=on&restrict_sr=on&t=all&sort=relevance) | [📆 Daily Discussion](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%86+Daily+Discussion%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [🏆 AMA](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%8F%86+AMA%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [🚨 Debunked](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%9A%A8+Debunked%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [📖 Partial Debunk](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%93%96+Partial+Debunk%22&restrict_sr=on&include_over_18=on) | [🔔 Inconclusive](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%94%94+Inconclusive%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [⌚ Pending Review](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%E2%8C%9A+Pending+Review%22&restrict_sr=on&include_over_18=on&sort=relevance&t=all) | [🥴 Misleading Title](https://old.reddit.com/r/Superstonk/search?q=flair%3A%22%F0%9F%A5%B4+Misleading+Title%22)
+
+**No CS/DRS Mode**
+
+[New Reddit Filter](https://www.reddit.com/r/Superstonk/search/?q=-flair_text%3A%22%F0%9F%92%BB%20Computershare%22&restrict_sr=1&sr_nsfw=) | [Old Reddit/Mobile Filter](https://old.reddit.com/r/Superstonk/search/?q=-flair_text%3A%22%F0%9F%92%BB%20Computershare%22&restrict_sr=1&sr_nsfw=)
+
+To filter out CS/DRS posts, click the links above or type `-flair_text:"💻 Computershare"` into the search bar.
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+***What's This Post All About?***
+
+The first thing you'll notice is a stickied comment right at the top. We call this the "Front Desk". Every day a moderator will create a new sticky comment that includes links to community announcements, fantastic posts that deserve more attention, and generally the simplest and easiest way to interact with the moderators of this community. The rest of the post is designed for general discussion and content/questions that might not need their own post.
+
+If you are new please mention that when you comment. There are no stupid questions but "shills" (paid accounts with the intent to disrupt the sub) are real. This community sees a lot of trolls. If you do not distinguish yourself as someone with genuine questions it is likely that members of our community will assume you are just spreading "FUD" (Fear, Uncertainty, and Doubt). I hate that I have to give you this warning but it is just the nature of the beast at this point.
+
+Please have fun, play nice and be civil. Many of our rules are heavily enforced. Debate is welcome but if it devolves into personal insults please report the comment. *Ape no fight ape!*
+Hey there 
+
+What are your thoughts on plant based industry? The market is down the drains now but could also be an opportunity to stock up on the super discounted prices too. The value now stands at around $2b. 
+
+https://www.economist.com/business/2022/05/25/plant-based-proteins-are-no-longer-a-side-dish-in-diets
+Quick rundown, husband is the main breadwinner while I’m at home raising the kids (our third (and last) is due in Feb) and will continue to do so until they’re in school. This is for personal reasons, we won’t be putting our kids in daycare/childcare. 
+
+Husband earns 67k a year and gets a raise/bonus basically every year. The amount depending on how well the company is doing, but it’s basically enough to cover inflation and that’s about it? He does a lot of data analysis work and has been working with PowerBI and has that sort of interest and capabilities. He has been slowly taking on more responsibilities and becoming more indispensable in his job, but with nothing extra ($$$) to show for it. Just a quick note he does not have a Bachelor degree in anything, I think advanced diploma in mathematics perhaps? 
+
+Anyway, we’re about to have a third kid, and we still save a small portion each month, but it’s slowly stalling and becoming less. I think we have 30k in our offset and our mortgage is around 300k. 
+
+Basically, I’ve put some really basic figures out here and want to know if we are stalling. I feel like we’re stalling but my husband likes his job. He’s been there for 12 years. He likes the people he works with. He travels over an hour each way, every day for it.
+
+I just don’t think he gets paid enough. Would you try encourage a spouse to reach higher if you thought they had more potential, or in the grand scheme of things is it more important to accept that they want to stay somewhere where they are comfortable and relatively happy instead of chasing more money?
+When my teacher for my college English class asked us to do an argumentative research paper over anything we want, I chose to do it over GME, here is the result. I believe this is a great way for those who are not as informed to learn about GME and the manipulation behind it. Any criticism will be nice, I am very smooth brain. I just like the stock.
+Thanks to my brother u/Phyduex2000 for his help!
+
+There is an absurd amount of market manipulation happening every day in our economy, this is going to lead to a market crash. There is no greater way to show this manipulation than to look at Gamestop stock (GME). This stock manipulation has caused this stock to rise and fall like never seen before (NASDAQ, GameStop Corporation Common Stock (GME) historical data), having record highs for the company and then dropping only to come back up in a matter of hours. This issue can cause the economy to become unstable, stocks are not supposed to act like this naturally, this issue is due to manipulation. Although many stock analysts are stating that the Gamestop ‘’Short Squeeze’’ Is over, the big players are using different methods of market manipulation to delay the inevitable market crash / short squeeze.
+
+As mentioned, big players are trying to cover this up. Many stockbrokers are working to stop this “short squeeze” from happening, there is no greater example than Robinhood. Robinhood removed the buy button from GME during the first squeeze (Elon Musk + Vlad Tenev on the Good Time Show), where it jumped to over four hundred dollars (NASDAQ, GameStop Corporation Common Stock (GME) historical data). Not to mention the week of January eleventh, over 600 percent of the GME float was traded off of the market, the following week over seven hundred 46 percent, and the week after that over 855 percent (Finra.org A vibrant market is at its best when it works for everyone. ). To put that in perspective, a stock's “float” is the number of shares available to public investors (retail investors). These were traded off into dark pools, a dark pool is a “private exchange for trading securities not available for retail investors, to block trading by institutional investors who do not wish to impact markets with their large orders and obtain adverse prices for their trades' ' (Chen Dark pool definition). This event shouldn’t be possible, this means there are over one hundred percent of the shares that exist, this event is just one of the many examples of manipulation in our stock market today.
+
+Many people are lying under oath trying to cover this up, here is just one example, Kenneth Griffin. Kenneth Griffin is the CEO of Citadel Securities, a market maker, which provides liquidity to markets (Bloomenthal The role of Market Makers), a hedge fund manager, which will play the market with borrowed money to try and predict what will happen (Team What is a hedge fund?), and a dark pool manager. Kenneth lied under oath to the U.S. Congress about never talking to Robinhood about disabling the buy button for the GME stock, and several others (U.S. Congress Congressman pushes Citadel CEO on GameStop collaboration with Robinhood: "absolutely not."), (Trustnodes News Citadel spoke to Robinhood during GME short squeeze court documents reveal). Around the time all of this information started to surface, the official Twitter account for Citadel Securities put out a flurry of tweets in a matter of days, sometimes minutes apart, one of these showing the evidence that Citadel and Robinhood talked before they removed the buy button (Citadel Twitter). This breakdown shows that Kenneth Griffon is worried about the truth coming out about his market manipulation as most of these tweets weren't even professional.
+
+This is also backed up by a mountain of statistics, such as the buy to sell ratio being high on the stock, yet the price trending down (Orders by Fidelity customers). This is theorized to be due to Citadel putting buy orders into dark pools, and sell orders onto the public market. Another example is that every time something good happens for Gamestop as a company, the price falls, this is against the flow of Wall Street, where the price rises as the company does more good. For example, on April 13, 2021 Gamestop announced that they paid their debt off two years in advance (GameStop announces voluntary early redemption of senior notes), however, nothing happened to it that day on the stock market, and the business day after it fell over ten dollars a share (GameStop Corporation Common Stock (GME) historical data, Nasdaq)). Later in the year on June ninth, Ryan Cohen was named chairman of the board, he has had lots of experience in online retail and even brought some former amazon executives with him, however the next day the stock plummeted over eighty dollars a share (GameStop Corporation Common Stock (GME) historical data, Nasdaq)). Just looking at the stock history you can see that the stock is extremely unstable, and does not follow the normal trends that stocks follow. Lastly, looking at the stock for movie theater giant AMC (AMC, Nasdaq) you can see that they follow almost the same trends every single day.
+
+The last piece of evidence to back up this thesis is that the Security and Exchange Commission report on all of this (Staff report on equity and Options Market Structure ... SEC). “Staff observed discrete periods of sharp price increases during which accounts held by firms known to the staff to be covering short interest in GME were actively buying large volumes of GME shares, in some cases accounting for very significant portions of the net buying pressure during a period”. Another statement proves that there were naked shorts “short interest can exceed 100%-as it did with GME- when the same shares are lent multiple times by successive purchasers”. Lastly, “GME short interest (as a percent of the float) in January 2021 reached 122.97%, this proves that more than 100% of the float exists. These three statements, let alone the pages of more evidence in the report prove that there was naked short selling and that the shorts did not cover in January.
+
+However, not everybody is convinced that GME will short squeeze and that the company is just a failing brick-and-mortar video game company. Those who believe this do have many reasons to have this belief. They will point out that before the January squeeze, the stock was five to ten dollars for months, and that they were drowning in debt ((www.macroaxis.com) What is Gamestop total debt USD from 2010 to 2021). Another fact to back this argument is that Gamestop's sales have been decreasing over the past few years, down twenty-one percent from twenty-twenty (GameStop revenue 2006-2021: GME). Together, all of these could make Gamestop sound like a failing company that shouldn't be worth hundreds of dollars, let alone anything on the stock market.
+
+The argument against the thesis listed above does make some very valid points, however, there are many reasons behind the fact that Gamestop is a company rebuilding into a very successful business. Gamestop has been hiring a lot of executives from online retailers such as Amazon (Gilbert GameStop just made its third hire from Amazon as the game retailer continues poaching new executives from the Tech Giant) all of these executives have decades of experience in online retail and are helping turn Gamestop around. Even before Gamestop started these big hires, in the holiday season of twenty-twenty their online sales were up three hundred percent (GameStop reports 2020 Holiday Sales Results). Also, compared to quarter two of twenty-twenty, Gamestop’s sales are up (GameStop Inc. GameStop reports financial results for Q2 2021). Gamestop is a company going through a big restructuring project, focusing a lot more on their online retail.
+
+Another possible argument against this is that the shorts did cover, this is a belief that many people have. Those who believe that the shorts have covered believe this is mainly due to the price action in January. They believe that the stock skyrocketing to four hundred dollars a share then leveling out back down is proof that the squeeze happened, and the shorts were covered. Their argument on why it hasn't gone back down to what it was before January is that those who believe that the squeeze hasn't happened refuse to sell. They believe that the only thing inflating Gamestop’s stock price is the number of people buying in believing the “short squeeze” theory and those selling who no longer believe in it.
+
+This is another great argument against this paper's thesis, however, there are some reasons why this is not the case. Not enough traders sold their stocks for the shorts to cover, as seen above in the SEC report, more than one hundred percent of the float existed, which means every single investor would have had to sell. Due to this, they have to pump the price to try to make people sell, explaining the stock having very high highs, and very low lows in the same few days. Due to this, the shorts cannot have covered in January.
+
+After reading this, you must be wondering what you can do to become a part of this or to stop the manipulation of the stock market. For one, you can write to the Securities and Exchange Commission to report this manipulation and ask them to look more closely into it. Another thing you can do is buy as many shares as you can, as this will help bring down those manipulating the market for their gain and help bring the squeeze closer. Doing these things will also, if the theory is correct, make you and everyone else investing in Gamestop rich, as the stock price will skyrocket when the “mother of all short squeezes” as some people call it will happen. 
+
+In conclusion, many stock analysts are stating that the Gamestop ‘’Short Squeeze’’ Is over, however, the big players are using different methods of market manipulation to delay the inevitable market crash / short squeeze.  Gamestop is a fragile stock and just the tip of the iceberg when it comes to manipulation by big companies and brokers. If this all works out one possible ending to this is a market crash like never seen before brought on by manipulation by companies like Citadel and Robinhood. This is not financial advice. 
+
+​
+
+Sources (MLA Format)
+
+ 
+
+*Twitter*, Twitter, https://twitter.com/Citadel. 
+
+Trustnodes News. “Citadel Spoke to Robinhood during GME Short Squeeze Court Documents Reveal.” *Trustnodes*, Trustnodes News, 27 Sept. 2021, https://www.trustnodes.com/2021/09/27/citadel-spoke-to-robinhood-during-gme-short-squeeze-court-documents-reveal. 
+
+“Congressman Pushes Citadel CEO on GameStop Collaboration with Robinhood: ‘Absolutely Not.".” *YouTube*, YouTube, 18 Feb. 2021, https://www.youtube.com/watch?v=81UPnnjjrTE. 
+
+Team, The Investopedia. “What Is a Hedge Fund?” *Investopedia*, Investopedia, 22 Oct. 2021, https://www.investopedia.com/terms/h/hedgefund.asp. 
+
+Bloomenthal, Andrew. “The Role of Market Makers.” *Investopedia*, Investopedia, 22 Oct. 2021, https://www.investopedia.com/terms/m/marketmaker.asp. 
+
+Chen, James. “Dark Pool Definition.” *Investopedia*, Investopedia, 19 May 2021, https://www.investopedia.com/terms/d/dark-pool.asp. 
+
+“A Vibrant Market Is at Its Best When It Works for Everyone. .” *A Vibrant Market Is at Its Best When It Works for Everyone. | FINRA.org*, https://www.finra.org/#/. 
+
+“Elon Musk + Vlad Tenev on the Good Time Show.” *Audible.com*, 1 Feb. 2021, https://www.audible.com/pd/Elon-Musk-Vlad-Tenev-on-The-Good-Time-Show-Podcast/B08VG8L61T. 
+
+“AMC.” *Nasdaq*, https://www.nasdaq.com/market-activity/stocks/amc.
+
+“GameStop Announces Voluntary Early Redemption of Senior Notes.” *Gamestop Corp.*, 13 Apr. 2021, https://news.gamestop.com/news-releases/news-release-details/gamestop-announces-voluntary-early-redemption-senior-notes-0.
+
+“GameStop Corporation Common Stock (GME) Historical Data.” *Nasdaq*, https://www.nasdaq.com/market-activity/stocks/gme/historical.
+
+“Orders by Fidelity Customers.” *Fidelity*, https://eresearch.fidelity.com/eresearch/gotoBL/fidelityTopOrders.jhtml.
+
+SEC. *Staff Report on Equity and Options Market Structure ...* https://www.sec.gov/files/staff-report-equity-options-market-struction-conditions-early-2021.pdf. 
+
+(www.macroaxis.com), Macroaxis LLC. “What Is Gamestop Total Debt USD from 2010 to 2021.” *Macroaxis*, https://www.macroaxis.com/financial-statements/GME/Total-Debt-USD. 
+
+“GameStop Revenue 2006-2021: GME.” *Macrotrends*, https://www.macrotrends.net/stocks/charts/GME/gamestop/revenue. 
+
+“GameStop Reports 2020 Holiday Sales Results.” *Gamestop Corp.*, 11 Jan. 2021, https://news.gamestop.com/news-releases/news-release-details/gamestop-reports-2020-holiday-sales-results. 
+
+Gilbert, Ben. “GameStop Just Made Its Third Hire from Amazon as the Game Retailer Continues Poaching New Executives from the Tech Giant.” *Business Insider*, Business Insider, 30 Mar. 2021, https://www.businessinsider.com/gamestop-announces-third-hire-from-amazon-for-executive-team-2021-3.
+A SWR during a market correction has obvious long term risks since you're selling stocks at "1/2 price". Many on this forum have discussed (a) larger bond allocations post FIRE (b) bond tents to shelter the early/fragile years (c) adjusting lifestyle (i.e. frugality or side hustle)
+
+I have not read any discussion on margin.  So I'm throwing my idea into the hat
+
+Interactive Brokers has margin rates as low as 2.9% with their tiered pricing.  cheaper than 30 year mortgage rates.   ref:   [https://investorjunkie.com/12389/best-margin-rates/](https://investorjunkie.com/12389/best-margin-rates/) 
+
+During a market correction of over 15% from the peak, I plan to draw my 3.25% SWR on margin for up to three years.  I'll pay back the margin when the market is back to within 5% of the peak. 
+
+random thoughts:
+
+1. It serves as a negative bond from a portfolio management perspective. very cheap capital.  
+2. Margin call is not a material risk imo.  If you are drawing <4% for three years, you'll accumulate a total of 12% initial margin.  Never in world history has a market dropped enough to even get close to a margin call at this low leverage ratio. Not to mention that I'm borrowing on margin AFTER the correction started
+3. interest rate risk - the material risk here is interest rate risk since margin rates are floating.  However, i'll be borrowing on recessionary periods when the fed cuts rates for an expansionary monetary policy
+4. A monte carlo simulation would really help us vet this if we pull all S&P500 history and Fed Funds rate history.  I haven't done the simulation, but I speculate this will reduce longevity risk at SWR above 3.5% relative to other strategies (e.g. bond tents, allocation strategies).  I speculate it will also increase expected value at death
+
+thoughts?
+2020 has certainly not been the year I had planned. How did my second year of RE go amidst COVID-19 and everything else that happened in 2020?  Read on to find out! :-) 
+
+As usual, I've provided the TL/DR up front, but encourage you to read the qualitative details in the body of the post as I think that a story is so much more than just some numbers and bullet points.
+
+For those who aren't familiar with my story, here are links to the [Original Post](https://www.reddit.com/r/financialindependence/comments/adj08l/35_11m_luck_stumbles_dedication_and_thrift_an_11/)  from early 2019 and [1 Year Update](https://www.reddit.com/r/financialindependence/comments/f261kn/update_1_year_in_and_loving_it_35_11m_luck/) in early 2020.
+
+TL/DR:
+
+* Net worth increased from $1.40M to $1.61M
+* Spent  $30,600 which is under my budget of $33500. This was despite donating an unbudgeted $5400 to charitable organizations
+* Cancelled most my of travel plans and adapted to COVID shelter-in-place orders
+* Got an article written on [Forbes](https://www.forbes.com/sites/ryanderousseau/2020/03/05/36-year-old-retiree-5-years-without-paying-housing/) about me
+* Invited to a WNYC radio program about finances, but it didn't materialize because of COVID.
+* Joined the board of directors and became an officer at one of my queer summer camps
+* Didn't meet any of my goals I set out for 2020
+* Played A LOT of board and video games online
+
+Next parts I'll break into sub-headings if you want to go to specific parts:
+
+* Life in a Time of Covid
+* Major Life Events
+* Finances
+* Notable Experiences (Pre and During-Covid)
+* Reflection of 2020 Goals and Forecasting 2021 Goals
+
+# Life in a Time of Covid
+
+2020 will almost certainly be remembered and defined by COVID and the changes that came from it. I have a friend who was already ringing alarm bells by mid-January about its possible impact, so I had some time to process and mentally prepare for things once the shelter-in-place orders actually hit in March.
+
+Despite being a fairly low risk to severe impacts of COVID (relatively young and no conditions that pre-dispose myself to severe complications), I chose to take what most would consider to be low risk approach for reasons including, but not limited to, wanting to minimize my potential risk to others and that the long-haul effects of the virus are still very unknown. I have the privilege of not needing to work and put myself at risk and I want to ensure that I'm not contributing to the risk of those who don't have a choice and/or are vulnerable.
+
+*Note: Everyone has their own situation and I'm not attemtping to shame anyone for their personal choices. As someone who is part of the queer community, I think the AIDS crisis is a good, but imperfect, analogy and lesson at how shaming does not work and discussion of harm reduction is the most effective tactic. The limitation of that analogy is that you are effectively only putting yourself and your sexual partners at risk, whereas with COVID, you could really be harming a lot more people who haven't opted in to your risk profile. In short, there are personal decisions that people need to make like seeing their family or having some companionship, but I will in no way condone egregious actions like large unmasked gatherings.*
+
+As an extroverted person who would host regular board game nights, go rock climbing with my climbing partner at the gym, see theater productions, go to board game conventions with thousands of people, and travel to multiple international destinations each year, this year has certainly been difficult. It isn't the year I planned, but I have tried to make the best of it as possible.
+
+How have I adapted to varying shelter in place orders and tried to salvage a pretty bad year?
+
+* Created a couple of Discord servers to maintain contact with various friend groups
+* Played board games online using Tabletop Simulator with Discord - I logged over 450 hours on Tabletop Simulator alone!
+* Played video Games - Logged 350 hours of Civilization 6 and 175 hours of Hades
+* Got a crash pad and been rock climbing outdoor (past two months)
+* Movie nights over Zoom/Discord
+* Volunteer work online - phonebanking for elections, virtual summer camp activities, virtual workshops.
+
+Basically - Discord and online video/board games have been keeping me sane.
+
+# Major Life Events
+
+Content/Trigger warning - Death and suicide mentioned in the next set of bullet points
+
+* Became a first time uncle but unfortunately couldn't visit my niece. Hoping it will happen sometime by the end of 2021 or early 2022, depending on when I can get a vaccine.
+* Had an acquaintance/former coworker take his own life at the beginning of the pandemic (stock market falling, depression, and pandemic stress all contributed).  This particularly impacted me because unlike the next life item, I didn't have the chance to say "goodbye". When I officially quit my job and turned my laptop in January, I was going to see him in the office, but I was running late to another commitment. I thought I'd be able to catch up with him some other time, but unfortunately that wasn't meant to be. My fondest memory is when we went to see a World Series game together. It was a bucket list item for me and while no one else was wanting to shell out the cash, he gladly joined me and we had a blast. We got to see Game 2 of the 2010 World Series @ AT&T Park with Matt Cain pitching a gem of a game and a wild 8th inning where the Giants scored two runs via walks and exploded to a blow out victory.
+* This summer I had my mom call me and ask for me to hop on a plane to visit becuase my grandma was in the hospital and only had a few more days to live.  I packed up my stuff that night and took the first flight out in the morning. My grandparent passed away (not COVID) about two weeks later and luckily all of our family was able to spend time with her at a family member's home in pallative care and got to say our goodbyes in person.  Note - family visited while masked and socially distanced. She lived a very long life and was able to pass away with family around her, which is about as much as I could ask for given all the other heartbreaking stories I've heard this year of family members not being able to say goodbye.
+* I was voluntold (I was happy to help out though) to be the coordinator/project manager and to delegate tasks and facilitate decisions between my grandma's 6 children. THIS WAS STRESSFUL. My grandma didn't even have any assets to squabble over, but decades of emotions and inter-personal conflicts surfaced. Additionally COVID created a complicating situation where, at the time, the church allowed a maximum of 30 people for the service. Problem is that my grandma has 24 direct descendents and counting spouses and step kids that put the number at 35.  This doesn't even include family friends and/or her extended adopted family (she was among one of 6 adopted children). In the end, everything "worked out" but not without a ~~bit of~~ LOT OF stress working through the guest list.
+
+# Finances
+
+**Net Worth:** Increased from $1.40M to $1.61M
+
+**Income:** Dividends + Capital Gains: $18,100  (The Capital Gains were via distributions, not sale of investments)
+
+**Spending:** $30,600 out of $33,500 budget. My budget at my current net worth would represent a 2.1% withdrawal rate
+
+The linked image provides my 2020 [Budget, 2020 Actual Spend, and Differences](https://imgur.com/a/MjnLZEq).
+
+You'll note that there are some big differenes in planned versus actual, namely my travel spend was virtually non-existant and I decided that I wanted to donate more to charity this year given that I have more than enough and there were many people and organizations that didn't have enough. Below lists out my notable notable big ticket expenditures for the year.
+
+* Charitable Giving - $5400
+* Laptop - $1600
+* Rowing Machine - $1050
+* Various REI Purchases - $1200
+
+My food budget shrank significantly as I didn't eat out and rarely did take out - it was only $3500 out of a $6000 budget. I still ate well, but did a lot more home-cooking and simpler food - a lot of stuff that my mom would make for me as a kid. I fully expect that my food budget will go up once COVID restrictions lift, but I imagine that they won't go back to pre-COVID spending levels.
+
+For 2021 I will keep my budget the same at $33,500 but will likely come in way under it with my non-charity expenses, but I will probably end up covering the difference by contributing more to charities.
+
+**FIRE Actions:**
+
+* Converted $12,555 from my Rollover IRA into Roth IRA as part of a Roth IRA ladder ($12,400 standard deduction but slight variance at end of day)
+* Was vigilant and didn't take any buy/sell action despite the dip in the spring! I briefly lost my two comma status and I got a little bit of anxiety at the trough, but stayed firm with the buy/hold Bogleheads strategy.
+* Less of a FIRE action, but more of a reduction in my FIRE risk - CA AB1482  went into effect 1/1/2020 which is effectively a state-wide rent control which limits rent increases to inflation plus 5% per year. I was conservative in my withdrawal rate knowing that a sudden rent hike could happen and I needed to account for it. But now having additional protection via this law, it means I'm EXTRA safe with my withdrawal rate.
+
+**Lean FIRE "Trial-Run"**
+
+If there was one silver lining 2020 with respect to FIRE, 2020 showed me that a realistic lean FIRE number for me would be around $23,000, which were my expenses this year excluding my charitable contributions and my two big ticket purchases. At my current net worth, this would represent a 1.43% withdrawal rate. I don't plan to spending less money than my FIRE budget of $33,500 - but it shows me that I have a lot of flexibility to adapt IF I absolutely needed to.
+
+# Notable experiences since my last update:
+
+Despite 2020 being a pretty awful year in general, there were a few notable things non-financial experienices/accomplishments that are worth mentioning:
+
+* Became a board member and officer for one of my queer summer camps.
+* Participated in virtual queer summer camp and got the "Golden Unicorn" (MVP) award!
+* Beat Hades and got 49/49 achievements. Highest heat beat is 22.
+* Nearly finished our Pandemic Legacy: Season 0 campaign.  Our group of 4 has played S1, S2, and now S0 together and it has been a wonderful shared experience.  I'm glad we could still make playing Pandemic Legacy a reality in a the midst of a IRL Pandemic.
+* Visited WDW/US for 10 days total (Pre-Covid) and got to ride Rise of the Resistance... twice. OH MY GOD that ride is AMAZING. It mixes some amazing jaw-dropping visuals, fast paced action, and a tad bit of "immersive theater".
+* Camped at Yosemite National Park, Mount Rainier National Park, and a few state parks in WA.
+
+# Reflection of 2020 Goals and Forecasting 2021 Goals
+
+2020 Goals
+
+* ~~Lead a 5.10D sport route and lead a 5.10A trad route.~~
+* ~~Get in even better shape, mostly so I can become a better climber. Aiming for 3 climbing days a week and 2-3 cardio/strength conditioning. Specific goal is to get to 13% body fat and 145 pounds (currently at 16%/152).~~
+* ~~Volunteer more with LGBT summer camps than I did in 2019 (I already have 68 days for 2020 planned compared to 24 in 2019).~~
+* ~~Apply and get accepted to work for NOLS or Outward Bound as an outdoor backpacking/climbing instructor. I would especially love to guide some LGBT/POC affinity groups.~~
+
+As you can see I didn't meet any of my goals for year 2, but that's COVID for ya.  I would still like to do the first three goals at some point (probably not 2021 at this rate) but realized that I no longer would like to do NOLS/Outward bound. So what are my new goals for the upcoming year? I have to temper it given that I am pretty low on the list to get vaccinated and the world is probably going to still be uncertain. The basis of these goals is based on if they can be done solo and/or with people without specific skillsets (hard to find people with the right skills to pod with and have similar risk profiles) and don't require me to be vaccinated (assuming that for the in-person interaction, it will still be masked/socially distanced).
+
+* Continue to serve on my board and find volunteer opportunities for both queer summer camps, hopefully in person at camp.
+* Get involved in local youth outdoor activities such as ICO ([https://www.sierraclub.org/ico](https://www.sierraclub.org/ico)), which has more flexibility than something like NOLS/Outward Bound. I'm also hoping to create/lead a rock climbing program for queer POC youth in my area.
+* Do more local outdoor activities (climbing, hiking, biking).
+* Camp at a few "local" National Parks - Death Valley, King's Canyon, Sequoia
+* I have the least control on this last one, but as soon as I'm vaccinated I would love to take an international trip by the end of the year, ideally to Brazil or Laos.
+
+Hope you found the post enjoyable/informative/interesting and please leave any questions/comments below!
+Hey all, long time lurker first time poster!
+
+I've got a basic algorithm for trading popular stocks (AAPL, TSLA, etc) that I'd like to put into action now, have it working on Quantopian. I'd like to move it off of Quantopian and onto another tech stack to run actual trades, and was wondering what everyone else likes to use!
+
+I'd prefer something that is as dev friendly as possible--and a broker with a neat API! I really like Robinhood's 0 commission but their lack of an official API kills that, if there's anything similar for automated trading that would be epic.
+
+I've seen Quantopian has locally installable libraries for Python--has anyone used these and can offer a review as to how stable/reliable they are?
+I'm a software developer. I'm back in school part-time as well. I'm thinking about minoring in finance to be more informed in my trading. Is this a good decision? Any finance majors in here?
+Edit: Instead of a "copy and paste dump", 
+
+All credit to Wall Street Journal for this article. 
+Provided here is a summary. For the full article (behind a paywall), please use the link posted by mod team below. 
+
+In late 2017, the Justice Department asked Wells Fargo (WFC) to look into its wealth-management business due to allegations from whistleblowers from within the bank about its sales problem.
+
+The firm hired to conduct this independent investigation, Shearman & Sterling, is the same firm that represented the Wells Fargo board on the sales-scandal disclosed in September 2016. In April 2017, they released a 113-page report that "was a long-anticipated deep dive into the questionable sales conduct affecting as many as 3.5 million accounts that dated to 2002 and ultimately resulted in a $185 million regulatory penalty in September 2016." 
+
+At this time, nothing is confirmed about what Sherman & Sterling has discovered about WFC's wealth management division. According to the bank, the investigation is in "preliminary stages" and is about "whether there have been inappropriate referrals or recommendations, including with respect to rollovers for 401(k) plan participants, certain alternative investments, or referrals of brokerage customers to the company's investment and fiduciary services business."
+
+WFC has continued to face a series of problems including:
+
+- "The Federal Reserve announced an unprecedented enforcement action capping the bank's assets. The Fed also said the bank would be replacing four members of its boards in 2018"
+
+- "Last year, Wells Fargo said it also improperly charged around 800,000 auto-loan customers and up to 110,000 mortgage customers. The bank has said it is in the process of refunding those customers more than $100 million"
+
+- "Wells Fargo also disclosed in the Thursday filing that it is reviewing fee calculations within certain fiduciary and custody accounts. The bank has found instances of incorrect fees applied to certain assets and accounts that resulted in overcharging customers, according to the filing"
+
+- "The Wall Street Journal reported in late 2017 that the bank had fired four FX bankers, and federal prosecutors opened an investigation of the FX operation"
+
+On a related note, Fed chairperson Jerome Powell conceded after an intense exchange with Sen. Elizabeth Warren (D., Mass.) that WFC's plans would be put in front of the Fed board for a vote instead of being determined solely by a low-ranking Fed official. 
+
+As a response, WFC CEO Mr. Sloan said that while the problems "may seem discouraging", he asked employees to "remember that we are making significant progress in our work to build a better Wells Fargo, and we recognize that more challenges and more hard work lie ahead."
+
+Hy guys its been 1 year in trading and haven't started yet ..paper trading on trading view
+I want to trade options and i have a capital of 4k usd and I am 30 year old ..cant loose this money other wise I will end up in depression maybe
+
+So in 1 year I did like 6-7 udemy courses a lot of paper trading and a lot of yt videos
+
+But I am not able to generate profit till now in paper trading.. But now I am not at least making loss
+
+Break even in crypto and forex
+
+And a small profit in stock options
+
+But I want to be a full time intraday options trader in stocks.. So I decided to stop paper trading and decided to read 10 books in January
+
+1. Price action trading trends by al brooks
+2. Price action trading reversal by al brooks
+3. Price action trading ranges by al brooks
+4. Trade like a stock market wizard
+5. The disciplined trader
+6. The new trading for a living by willey trading
+7.trading in the zone
+
+Any more 3 books you guys want to recommend pls comment...
+
+I am ready to do whatever it takes and then I will again paper trader for two months in feb and March and in April ..after 1.3 years I will start live trading with only 2% risk per trade...
+
+But I cant loose this money in any condition
+As I am married and a great failure person in career
+So kind of last opportunity 
+And as far as I know myself 
+I will do it..
+And I can't loose this money means I can loose this money but its my last chance to do something in life
+Other wise I will have to settle for a ordinary life
+Kind of a last chance
+
+Thanks in advance
+​
+
+https://preview.redd.it/w9igrn1ay0l61.jpg?width=600&format=pjpg&auto=webp&s=1d1140f88af7f6b45ed569a601e3d54b0b65a589
+
+I am in damage control but likely going to roll puts.
+Exactly what the title says. I’ve reviewed the previous emails and it states that I wanted 3% added. I believe they accidentally hit an extra 0 when inputting the value. I contacted HR and they have changed the amount going forward but don’t believe they can get the money taken out of this paycheck back to me since it already sent to the 401k company. Is there anything else I can do to try to get this money back? 30% is a lot to lose out of a paycheck.
+I'm sure everyone is aware of rising rates.  But has anyone been scared off and deleveraged yet?
+
+Personally, I can easily cash flow the higher interest payments so I'm not changing my plans.
+
+Here's how I see it, for every 1% increase in rates, the indexes will drop 2.5%, so my leveraged investments will still be profitable longterm as I DCA in.  (Numbers are completely made up, but I think the trend is accurate)
+
+Ya, I'm paying more now, but will gain more than that back in the future.  I'm trying to buy when others are fearful.
+
+Am I completely off base here and making a mistake by not deleveraging?
+I have different ETF's covering different geographical sectors in my long term RRSP :
+
+XAW, XEU, XGRO, XIC, XQQ  
+
+
+I see XAW (emerging markets) XIC (Canadian market) and XEU (Europe) to be complementary to eachother while XQQ has more titles in tech and XGRO is just another portion that grows steady but slowly.  
+
+
+Are there real negatives of spreading this way instead of having let's say 100% in XGRO?
+
+Edit : yes i know XAW is world + emerging, my bad when posting
+Hey,  
+
+
+I'm looking to create an ETF portfolio in my TFSA that would be mainly XEQT and then some ETHX.B but first I have a few questions :
+
+* Is holding crypto ETF in a TFSA a good idea ?
+* Since ETHX.B is traded in CAD but it only holds Foreign Stock XETHUSD, would there be any foreign stock tax for me ?
+* Is there a better ETF tracking ETH out there ? My understanding is that for now ETHX.B has a 0 MER and it will be anywhere from 0.1 to 0.9% after June.
+
+Thanks a lot !
+Telus [plans to roll out it’s 5G network using Huawei tech.](https://www.cbc.ca/news/business/telus-5g-huawei-1.5462994).
+
+They’ve [already made a bit of a stink with Ottawa about Canada’s contentious relationship with the company.](https://globalnews.ca/news/4961217/telus-huawei-national-security/)
+
+Now [Britain is cutting Huawei out of it’s 5G plans as Western-Chinese tensions rise.](https://www.reuters.com/article/us-health-coronavirus-britain-huawei-tec/uk-plans-cut-in-huaweis-5g-network-involvement-newspaper-report-idUSKBN22Y2VB)
+
+[America is doing the same.](https://www.state.gov/the-united-states-protects-national-security-and-the-integrity-of-5g-networks/)
+
+So, the question is, and if there are any T holders out there they should be asking this question, will Canada follow suit and what will this do for Telus? Should it happen, is this a short term headwind as Telus finds a new partner or is it a more serious long term detriment? The geographic monopolies Canadian telecoms have seems to insulate it somewhat, but it still seems a little sketchy.
+
+The company itself said:
+> A ban on Huawei equipment “could have a material, non-recurring, incremental increase in the cost of Telus’ 5G network deployment and, potentially, the timing of such deployment,” the company said in the filing.
+
+Mostly just a heads up for Telus holders and a point of discussion. I think I’ll likely be offloading my position while this gets figured out..
+[https://finance.yahoo.com/news/american-battery-metals-corporation-files-123000745.html](https://finance.yahoo.com/news/american-battery-metals-corporation-files-123000745.html)
+
+It will be interesting to see how the share price gets handled to meet up listing requirements. General feedback from management is they do not want to do any splits.
+I saw a (possibly alarmist?) article in the ABC that basically said Sydney could be pretty much unliveable in a few decades time due to routine 50 degree plus days: [https://www.abc.net.au/news/science/2021-01-24/heatwaves-sydney-uninhabitable-climate-change-urban-planning/12993580](https://www.abc.net.au/news/science/2021-01-24/heatwaves-sydney-uninhabitable-climate-change-urban-planning/12993580)
+
+Likewise, there was an article floating around a while ago about how some areas will soon be uninsurable due to climate change. Something along the lines of this: [https://www.abc.net.au/news/2019-10-23/the-suburbs-facing-rising-insurance-costs-from-climate-risk/11624108?nw=0](https://www.abc.net.au/news/2019-10-23/the-suburbs-facing-rising-insurance-costs-from-climate-risk/11624108?nw=0) (RIP Adelaide Hills).
+
+So my question is... Is this a concern anyone else has for choosing a place to live? Aside from temperature increases making a suburb a lot less liveable, I imagine things like uninsurability (or at least increased premiums) won't be great for things like capital gains or re-saleability if you ever want to move.
+Im not skipping Google here, I've been trying to make sense of this for weeks and having a hard time. 
+
+I understand that IV will be at it's highest close to earnings, which can come and bite me even if the price still goes up. 
+
+But I don't understand why or how close to earnings is too close to earnings to enter and mostly when to exit. 
+
+Currently sitting on MSFT 02/08 105C which is looking decent so far but I'm not understanding what I have to watch for as we get closer to Jan 30th. 
+
+ELI5? Apologies for what I know is probably a very stupid question. 
+I'm 27 and starting to gather steam for FIRE, and my company offers free advice from a financial adviser so I figured why not. He mentioned that I should keep 1-2 years worth of expenses in either a HYSA, cash value life insurance, or annuity.   
+
+
+I've definitely heard of folks here keeping 1-2 years worth of expenses handy in something less risky than equity to weather out bad years and protect against sequence of return risk, but I don't have too much detail as to where to keep it. Wanted to get some thoughts from the community here-- what do you guys do?
+
+Bonus Q: are any of you even using a HYSA to withdraw from during your first few years of early retirement in case the market tanks, or do you think you're covered by a conservative enough withdrawal rate (or bond tent?) to hedge against sequence of returns risk?
+
+UPDATE: Keep in mind this is free and provided by my employer, but the dude just scheduled a call with me again and he spent most of the session trying to convince me that cash value life insurance > HYSA as a tool to draw money out of during down years of early retirement to avoid selling investments at a loss. This would result in me being able to use a larger withdrawal rate. Both of our projections have me retiring in ~10 years. I'm not technical enough to really debate himr but the fact that he was pushing it so hard had red flags all over it. Thanks for saving my ass everyone.
+Artists are clearly empowered by NFTs and blockchain technology to monetize the secondary market and eliminate ticket fraud which is really great. The music industry is dominated by scalpers seeking chances to resale tickets, but this could happen for any imaginable event, whether it's in the music industry or a football match.  
+
+
+Since I found out that even one of the greatest Music festivals - [Exit Festival](https://finance.yahoo.com/news/nft-tix-announces-partnership-europes-145600188.html) in Europe, Serbia is planning on selling NFT tickets by announcing a partnership with NFT ticketing platform NFT TiX, I strongly believe that from the next year almost every possible event would sell these tickets.  
+
+
+What do you think?   
+
+
+As I further find out, one article said that the partnership will allow NFT TiX to power the festival's ticketing system, moving away from the traditional ticketing providers that have been used in the past to a more efficient and secure blockchain-based system.  
+
+
+So, it's actually happening and I'm not surprised since we should really use all the advantages that tech and innovations today provide us.   
+
+
+Tbh, I'm not a fan of NFT art and similar stuff, I don't like when something doesn't have any purpose, maybe I don't understand that cuz I'm not a collector, but this is the case where NFTs show us their real purpose and that they may be pretty useful and not just some fancy popular thing that doesn't have any role.
+The proxy is literally urging people to vote URGENTLY(I.E as soon as their brokers say it can be done)
+
+WE MUST VOTE. ITS NOT ENOUGH TO KNOW YOUR SHARES ARE IN A CASH ACCOUNT AND ARENT BEING LENT OUT.
+
+If GameStop can account that a ton more shares than the 70m that exist, and say "oh hey we received 200m shares in votes", instead of 70m that actually exist, then that's pure confirmation of a BAD SITUATION. 
+
+If gamestop ends up reporting 200m shares in their recent vote; they have a reason to say there "must be  truth behind what those crazy redditors are saying" 
+
+
+Meaning:
+
+1. either a short will get scared out of their position and close
+
+2. FOMO buyers jump in
+
+OR (the best  opportunity)
+
+3. I think as soon as votes pass ~26m (the available float - institutions holding) GameStop can say we can't recognise the validity of these votes and these could be used to sway voting unfairly. We need to recall and verify!
+
+VOTE ASAP. THE SOONER THEY HAVE MORE THAN THE AVAILABLE FLOAT IN VOTES THE SOONER THEY NEED TO RECALL AND VERIFY....
+
+THEREFORE THE SOONER IT SQUEEZES!!
+
+
+EDIT: DO NOT BELIEVE ANYTHING DIFFERENT. THERE IS NO REASON NOT TO VOTE. YOU ARE VOTING IN DIRECTORS I.E. COHEN AND SUPPORTING THE COMPANY IN GROWTH CHANGES! SO DO NOT BELIEVE ANYTHING SAYING YOU SHOULDNT VOTE!!!!
+
+Email or call your broker NOW for instructions on how to vote!! I'm sure that call will be worth it!
+
+
+YOU CAN VOTE PRETTY MUCH IMMEDIATELY, THERE IS NO DATE TO WAIT FOR and YOU SHOULD BE ABLE TO VOTE IRRESPECTIVE OF YOUR COUNTRY
+
+EDIT: SEEMS LIKE PROXY MATERIALS WILL BE OUT ON TO BROKERS THE 28TH APRIL OR 15TH OF MAY SO MAKE SURE YOU VOTE AS SOON AS YOU SEE THEM. IF NOT, KEEP CHASING YOUR BROKER FOR AN UPDATE
+
+From comments below:
+
+Tell your broker to give you the control # for your shares. Then they will instruct you to go to
+https://www.proxypush.com/evote/GME/login
+(This is directly from the gamestop website)
+
+
+
+Here is Fidelity’s customer service subreddit post about it for all fidelity customers https://www.reddit.com/r/fidelityinvestments/comments/mqz9ne/hot_topic_gamestop_corp_gme_proxy_voting/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
+
+
+
+Edit: Just found out we can vote now. All we need is our control number. https://reddit.com/r/Superstonk/comments/mwxsl5/proxyvotecom_how_to_vote_your_shares_if_your/
+
+
+Info for Canadians on how to vote
+ https://www.reddit.com/r/Superstonk/comments/mx1h6f/questrade_gme_vote_details/?utm_medium=android_app&utm_source=share
+
+
+If you are finding it hard with your broker and they say you can't vote. Ask your broker for a control number and try the links above 
+
+
+Edit : Seems like phishing is in full force. ALWAYS Be careful. Always quadruple check ANY EMAILS FROM YOUR BROKER. Don't allow anyone to steal your control numbers. Make sure you follow or check info with your broker!
+
+
+(Sorry some of this might be duplicated above but im using my tiny phone to edit)
+
+Check this out! https://www.reddit.com/r/Superstonk/comments/mxwfyt/proxy_voting_dd_how_the_count_works_and_timeline/?utm_medium=android_app&utm_source=share
+The proxy is literally urging people to vote URGENTLY(I.E as soon as their brokers say it can be done)
+
+WE MUST VOTE. ITS NOT ENOUGH TO KNOW YOUR SHARES ARE IN A CASH ACCOUNT AND ARENT BEING LENT OUT.
+
+If GameStop can account that a ton more shares than the 70m that exist, and say "oh hey we received 200m shares in votes", instead of 70m that actually exist, then that's pure confirmation of a BAD SITUATION. 
+
+If gamestop ends up reporting 200m shares in their recent vote; they have a reason to say there "must be  truth behind what those crazy redditors are saying" 
+
+
+Meaning:
+
+1. either a short will get scared out of their position and close
+
+2. FOMO buyers jump in
+
+OR (the best  opportunity)
+
+3. I think as soon as votes pass ~26m (the available float - institutions holding) GameStop can say we can't recognise the validity of these votes and these could be used to sway voting unfairly. We need to recall and verify!
+
+VOTE ASAP. THE SOONER THEY HAVE MORE THAN THE AVAILABLE FLOAT IN VOTES THE SOONER THEY NEED TO RECALL AND VERIFY....
+
+THEREFORE THE SOONER IT SQUEEZES!!
+
+
+EDIT: DO NOT BELIEVE ANYTHING DIFFERENT. THERE IS NO REASON NOT TO VOTE. YOU ARE VOTING IN DIRECTORS I.E. COHEN AND SUPPORTING THE COMPANY IN GROWTH CHANGES! SO DO NOT BELIEVE ANYTHING SAYING YOU SHOULDNT VOTE!!!!
+
+Email or call your broker NOW for instructions on how to vote!! I'm sure that call will be worth it!
+
+
+YOU CAN VOTE PRETTY MUCH IMMEDIATELY, THERE IS NO DATE TO WAIT FOR and YOU SHOULD BE ABLE TO VOTE IRRESPECTIVE OF YOUR COUNTRY
+
+EDIT: SEEMS LIKE PROXY MATERIALS WILL BE OUT ON TO BROKERS THE 28TH APRIL OR 15TH OF MAY SO MAKE SURE YOU VOTE AS SOON AS YOU SEE THEM. IF NOT, KEEP CHASING YOUR BROKER FOR AN UPDATE
+
+From comments below:
+
+Tell your broker to give you the control # for your shares. Then they will instruct you to go to
+https://www.proxypush.com/evote/GME/login
+(This is directly from the gamestop website)
+
+
+
+Here is Fidelity’s customer service subreddit post about it for all fidelity customers https://www.reddit.com/r/fidelityinvestments/comments/mqz9ne/hot_topic_gamestop_corp_gme_proxy_voting/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
+
+
+
+Edit: Just found out we can vote now. All we need is our control number. https://reddit.com/r/Superstonk/comments/mwxsl5/proxyvotecom_how_to_vote_your_shares_if_your/
+
+
+Info for Canadians on how to vote
+ https://www.reddit.com/r/Superstonk/comments/mx1h6f/questrade_gme_vote_details/?utm_medium=android_app&utm_source=share
+
+
+If you are finding it hard with your broker and they say you can't vote. Ask your broker for a control number and try the links above 
+
+
+Edit : Seems like phishing is in full force. ALWAYS Be careful. Always quadruple check ANY EMAILS FROM YOUR BROKER. Don't allow anyone to steal your control numbers. Make sure you follow or check info with your broker!
+
+
+(Sorry some of this might be duplicated above but im using my tiny phone to edit)
+
+Check this out! https://www.reddit.com/r/Superstonk/comments/mxwfyt/proxy_voting_dd_how_the_count_works_and_timeline/?utm_medium=android_app&utm_source=share
+ I pasted [the article](https://www.economist.com/leaders/2020/05/07/the-market-v-the-real-economy), to exempt you from registering an account to read it.
+
+##Financial markets have got out of whack with the economy. Something has to give
+
+STOCK MARKET HISTORY is packed with drama: the 1929 crash; Black Monday in 1987, when share prices lost 20% in a day; the dotcom mania in 1999. With such precedents, nothing should come as a surprise, but the past eight weeks have been remarkable, nonetheless. A gut-wrenching sell-off in shares has been followed by a delirious rally in America. Between February 19th and March 23rd, the S&P 500 index lost a third of its value. With barely a pause it has since rocketed, recovering more than half its loss. The catalyst was news that the Federal Reserve would buy corporate bonds, helping big firms finance their debts. Investors shifted from panic to optimism without missing a beat.
+
+This rosy view from Wall Street should make you uneasy (see article). It contrasts with markets elsewhere. Shares in Britain and continental Europe, for example, have recovered more sluggishly. And it is a world away from life on Main Street. Even as the lockdown eases in America, the blow to jobs has been savage, with unemployment rising from 4% to about 16%, the highest rate since records began in 1948. While big firms’ shares soar and they get help from the Fed, small businesses are struggling to get cash from Uncle Sam.
+
+Wounds from the financial crisis of 2007-09 are being reopened. “This is the second time we’ve bailed their asses out,” grumbled Joe Biden, the Democratic presidential candidate, last month. The battle over who pays for the fiscal burdens of the pandemic is just beginning. On the present trajectory, a backlash against big business is likely.
+
+Start with events in the markets. Much of the improved mood is because of the Fed, which has acted more dramatically than other central banks, buying up assets on an unimagined scale. It is committed to purchasing even more corporate debt, including high-yield “junk” bonds. The market for new issues of corporate bonds, which froze in February, has reopened in spectacular style. Companies have issued $560bn of bonds in the past six weeks, double the normal level. Even beached cruise-line firms have been able to raise cash, albeit at a high price. A cascade of bankruptcies at big firms has been forestalled. The central bank has, in effect, backstopped the cashflow of America Inc. The stockmarket has taken the hint and climbed.
+
+The Fed has little choice—a run on the corporate-bond market would worsen a deep recession. Investors have cheered it on by piling into shares. They have nowhere else good to put their cash. Government-bond yields are barely positive in America. They are negative in Japan and much of Europe. You are guaranteed to lose money by holding them to maturity, and if inflation rises the losses would be painful. So stocks are appealing. By late March prices had fallen by enough to tempt the braver sort. They steeled themselves with the observation that much of the stockmarket’s value is tied to profits that will be made long after the covid-19 slump has given way to recovery.
+
+Tellingly, though, the recent rise in share prices has been uneven. Even before the pandemic the market was lopsided, and it has become more so. Bourses in Britain and continental Europe, chock-full of troubled industries like carmaking, banking and energy, have lagged behind, and there are renewed jitters over the single currency (see article). In America investors have put even more faith in a tiny group of tech darlings—Alphabet, Amazon, Apple, Facebook and Microsoft—which now make up a fifth of the S&P 500 index. There is little euphoria, just a despairing reach for the handful of businesses judged to be all-weather survivors.
+
+At one level, this makes good sense. Asset managers have to put money to work as best they can. But there is something wrong with how fast stock prices have moved and where they have got back to. American shares are now higher than they were in August. This would seem to imply that commerce and the broader economy can get back to business as usual. There are countless threats to such a prospect, but three stand out.
+
+The first is the risk of an aftershock. It is entirely possible that there will be a second wave of infections. And there are also the consequences of a steep recession to contend with—American GDP is expected to drop by about 10% in the second quarter compared with a year earlier. Many individual bosses hope that ruthless cost-cutting can help protect their margins and pay down the debts accumulated through the furlough. But in aggregate this corporate austerity will depress demand. The likely outcome is a 90% economy, running far below normal levels.
+
+A second hazard to reckon with is fraud. Extended booms tend to encourage shifty behaviour, and the expansion before the covid crash was the longest on record. Years of cheap money and financial engineering mean that accounting shenanigans may now be laid bare. Already there have been two notable scandals in Asia in recent weeks, at Luckin Coffee, a Chinese Starbucks wannabe, and Hin Leong, a Singaporean energy trader that has been hiding giant losses (see article). A big fraud or corporate collapse in America could rock the markets’ confidence, much as the demise of Enron shredded investors’ nerves in 2001 and Lehman Brothers led the stockmarket down in 2008.
+
+The most overlooked risk is of a political backlash. The slump will hurt smaller firms and leave the bigger corporate survivors in a stronger position, increasing the concentration of some industries that was already a problem before the pandemic. A crisis demands sacrifice and will leave behind a big bill. The clamour for payback will only grow louder if big business has hogged more than its share of the subsidies on offer. It is easy to imagine windfall taxes on bailed-out industries, or a sharp reversal of the steady drop in the statutory federal corporate-tax rate, which fell to 21% in 2017 after President Donald Trump’s tax reforms, from a long-term average of well over 30%. Some Democrats want to limit mergers and stop firms returning cash to their owners.
+
+For now, equity investors judge that the Fed has their back. But the mood of the markets can shift suddenly, as an extraordinary couple of months has proved. A one-month bear market scarcely seems enough time to absorb all the possible bad news from the pandemic and the huge uncertainty it has created. This stock market drama has a few more acts yet.■
+Over the long weekend I was traveling with my wife to New Orleans and got to speak to some of the people who do the tours. Ghost tours, the air boat bayou tours etc. I then had an epiphany that the best Barista/ Coast fire job out there would be to become a tour guide. You get exercise from being out all day walking around. You get the socialization factor that so many people miss out on when no longer working in an office setting. You get tips that can then go towards drinks or eating out. It seems like a fun gig that you can do in any city you could go to as long as there’s a decent enough history around the city.
+
+Wonder what other jobs people have that could be great to do and a bit stress free once they FIRE
+When it comes to options, especially selling premium, I've heard conflicting viewpoints about this. tastyworks and optionsalpha typically say to let the losers run because probabilities may play out in the end. But some books and other sources I've come across say to cut them early (around 100% loss if you're selling premium) and move on?
+
+So what's better to do?
+I've been working for my company for the past 6 months. It's a publicly traded company in the tech sector. I was living in Atlanta but had to move to New York because the position was hybrid. I had a lot of freedom in my working schedule because all of my team was located in Israel.
+
+This morning, I was notified that they would be moving the position to Israel and I was being let go. I've been offered 2 weeks of pay along with the lump sum of all the accrued PTOs, but I'm still not sure how to move on.
+
+Because I didn't live in New York for the past 18 months, it seems like I can't file the unemployment benefit with the state of New York. 2 weeks is awfully a short time to find the next job and I'm quite afraid that with the current job market, it would be hard for me to stay in New York.
+
+What should I be doing besides applying to as many jobs as I can?
+
+​
+
+UPDATE 1: I didn't expect this much traction to this unexpected post. I really really appreciate each and every one of you! To update you guys, I am in the middle of filing the unemployment (it was asking if I worked in NY for the past 18 months, not working for the full 18 months haha) but just waiting on my employer to provide the FEIN. Also working on updating my resume and begin applying to start tomorrow. I also have a very clear budget so I think I can hold out for 2 months at most if I stick to it strictly. 
+
+UPDATE 2: For people who were asking, I worked as an FP&A Analyst in a tech company :) 
+Guten Tag to this global band of Apes! 👋🦍
+
+As we conclude this week of preparation for the MOASS, I feel that it is important to remember that while this has been a long journey already, the MOASS may be quite a while off.
+Recently, the media attempted to spread FUD that Apes were getting fatigued.
+Obviously, that is incredibly far from the truth.
+Apes are DRSing at an increasing rate, and each quarter we are rewarded with a count of shares held at ComputerShare.
+This has increased the pressure on the Institutional Shorts immensely.
+Today marks 100 days at 100% utilization.
+That means that for 100 days, every GME share available to borrow has been borrowed.
+During this time, the cost to borrow has increased, and each day that they continue to borrow the shares, they are paying exorbitant rates just to maintain the position.
+This is an unsustainable position for the Shorts.
+
+However, as long as they are solvent, the Institutional Shorts will do everything they must to survive another day.
+Right now, that involves paying the high rates and driving the price downward anytime it approaches the Critical Margin level.
+It means suppressing rule changes that would force them to close their short positions.
+It means creating more synthetic short positions, juggling FTDs, manipulating options, and any number of other tricks at their disposal.
+
+Apes, be prepared for this to take far longer than it feels at this moment, but also be prepared for it to happen at any moment.
+Maintain your list of reasons that you HODL.
+Keep your accounts secure.
+Be aware of how you can be impacted by FUD.
+Plan how you'll support the MOASS when it happens.
+
+And Diamantenhände until that day comes.
+
+Today is Friday, July 1st, and you know what that means! Join other apes around the world to watch infrequent updates from the German markets!
+
+###🚀 Buckle Up! 🚀
+***
+
+
+- 🟥 120 minutes in: **$122.12 / 116,12 €**  *(volume: 708)*
+- 🟩 115 minutes in: $122.51 / 116,48 €  *(volume: 677)*
+- 🟥 110 minutes in: $122.45 / 116,43 €  *(volume: 663)*
+- 🟩 105 minutes in: $122.61 / 116,58 €  *(volume: 663)*
+- 🟩 100 minutes in: $122.55 / 116,53 €  *(volume: 663)*
+- 🟩 95 minutes in: $122.54 / 116,51 €  *(volume: 640)*
+- 🟥 90 minutes in: $122.33 / 116,31 €  *(volume: 595)*
+- 🟩 85 minutes in: $122.43 / 116,42 €  *(volume: 570)*
+- 🟩 80 minutes in: $122.26 / 116,25 €  *(volume: 516)*
+- 🟩 75 minutes in: $122.17 / 116,16 €  *(volume: 511)*
+- 🟩 70 minutes in: $122.14 / 116,14 €  *(volume: 496)*
+- 🟥 65 minutes in: $121.92 / 115,93 €  *(volume: 491)*
+- 🟥 60 minutes in: $122.08 / 116,08 €  *(volume: 431)*
+- 🟩 55 minutes in: $122.24 / 116,23 €  *(volume: 414)*
+- 🟥 50 minutes in: $122.21 / 116,20 €  *(volume: 413)*
+- 🟥 45 minutes in: $122.26 / 116,25 €  *(volume: 403)*
+- 🟩 40 minutes in: $122.34 / 116,32 €  *(volume: 403)*
+- 🟥 35 minutes in: $122.26 / 116,25 €  *(volume: 403)*
+- 🟩 30 minutes in: $122.34 / 116,33 €  *(volume: 401)*
+- 🟩 25 minutes in: $122.12 / 116,11 €  *(volume: 333)*
+- 🟥 20 minutes in: $122.02 / 116,02 €  *(volume: 275)*
+- 🟩 15 minutes in: $122.11 / 116,10 €  *(volume: 269)*
+- 🟥 10 minutes in: $121.96 / 115,96 €  *(volume: 203)*
+- 🟥 5 minutes in: $122.10 / 116,09 €  *(volume: 200)*
+- 🟥 0 minutes in: $122.31 / 116,30 €  *(volume: 185)*
+- 🟥 US close price: $122.85 / 116,81 €   *($122.40 / 116,38 € after-hours)*
+
+
+***
+FAQ: I'm capturing current price and volume data from German exchanges and converting to USD. Today's euro -> USD conversion ratio is 1.0517. I programmed a tool that assists me in fetching this data and updating the post. If you'd like to check current prices directly, you can check [Lang & Schwarz](https://www.ls-tc.de/de/aktie/gamestop-aktie) or [TradeGate](https://www.tradegate.de/orderbuch.php?isin=US36467W1099)
+
+Diamantenhände isn't simply a thread on Superstonk, it's a community that gathers daily to represent the many corners of this world who love this stock. Many thanks to the originator of the series, DerGurkenraspler, who we wish well. We all love seeing the energy that people represent their varied homelands. Show your flags, share some culture, and unite around GME!
+The Splividend multiplied the number of phantom shares created over the course of a decade by four, which is causing all kinds of pain. We can see it in how bone fucking dry trading has become, where instead of trading roughly four times as many shares daily, we just had the driest week EVER. But the Splividend will hurt the opposition the worst when it comes to the Infinity Pool. 
+
+
+Imagine for a second that the Shorts had only created an additional synthetic share for each share in existence. Technically they only need to buy back every share, and then they can close their short positions. This is already almost impossible, because us diamond hands have locked away half of the float already. But if people want to sell shares during the MOASS, it's technically on paper POSSIBLE for them to close, which means with the application of CRIME, there's room to wiggle out.
+
+
+Now multiply everyone's shares by four.
+
+
+If every ape sold half their shares at this point, that puts the Shorts right where they are, right now. Still a literal impossibility, except AFTER we've already cleaned them out. No amount of insiders selling will save them, no amount of crime will be enough. It will be clear to the world that even after millions of shorts have been closed that they STILL have open short positions that CANNOT be closed. 
+
+
+The Infinity Pool is going to cause a real problem, and the exposure and pain is going to hurt the DTCC a lot. It will be all of the legal leverage that GameStop needs to force the DTCC to allow them to withdraw their securities to issue on, oh I don't know, let's say a brand new NFT-backed platform.
+
+
+Because the splividend virtually GUARANTEES the Infinity Pool comes into reality. It's going to PROVE that the DTCC has been treating ownership as fractional reserve banking and skimming off the top. The Infinity Pool is the only way to PROVE that the DTCC is not capable of distributing stock certificates, and proving that will make a new platform on a distributed ledger very appealing to other companies drowning in phantom shares... Perhaps enough of them that a new business could be carved out from that platform, which would be issued to everyone who held shares through and after the MOASS. 
+
+
+Really try to picture this for a moment: A new, fair stock exchange on a publicly distributed ledger is built, and the owners of that stock exchange are exclusively apes who held through the MOASS. People who are willing to hodl for the principle of it through the greatest transfer of wealth of all time. People who are incorruptible. Can you imagine the change that could take place, with us apes as the exclusive shareholders of a brand new free and fair market?
+
+
+**TL;DR: I believe the carve out for a new trading platform is coming, but AFTER the MOASS. Which means, only the hardest hodling apes would be the stockholders of the new market, right at the time that EVERY OTHER COMPANY is discovering how much the DTCC has been fucking them by allowing naked shorts to skim off the top. This is made possible by ensuring even the X apes have shares to sell during the MOASS and shares to hold after.
+
+
+Also, shorts are fucked, DRS is the way, and change is coming.**
+
+
+Good luck out there, apes, and stay zen.
+"C'mon everyone, ignore Gox! Remove Gox from all charts! Pretend it doesn't exist!"
+
+No. That's not how this works. If someone in your small town gets robbed, you don't go "let's pretend this didn't happen so that our town will still be thought of as safe!"
+
+Well hey, actually in real life that does happen. Politicians and governments everywhere - the exact people you hate and bitch about all the time in this community - do that sort of shit as a means of propaganda to make themselves seem better than they really are to everyone else.
+
+This Gox situation is very real. Lots of people are losing a ton of money because of this. Moreover, they're losing their trust in bitcoin. The drop in price at Gox is EXACTLY what people are afraid of when they buy bitcoin, though the general thought is that it'd be more of a flash crash down to nothing, which is probably in Gox's future but it's been more of a slow death since people still have hope.
+
+I'm seeing a lot of people that have absolutely no sympathy for those who are getting screwed - focusing entirely on either "yay Gox is dead" or "oh crap, don't let this affect my holdings at my other exchange or overall confidence in bitcoin", lots of the usual "this isn't BAD news it's GREAT news" that goes on here anytime actual bad news happens.
+
+Don't ignore this, because I guarantee you people in the non-bitcoin world won't be. This is a microcosm of what many people feel will eventually happen to bitcoin, so trying to ignore this or sweep it under a rug is going to immediately alienate anyone who had any doubts about bitcoin after seeing this news.
+
+Stop thinking of yourself for once in your life. There are a lot of people incredibly affected by this, and a massive amount more that are not affected by this but see this as a huge issue with bitcoin, that this sort of thing can happen and there's nothing anyone can do because no regulation. Care about those people and their concerns - don't ignore them. Unless you want to see your holdings torpedo regardless of where it is because confidence in bitcoin shoots down while you all have your heads in the sands worrying only about yourselves.
+2020 has been a crazy year for me financially. Ive 10x my previous income and am so excited but am hesitant to tell any friends or family. 
+
+Have any of you experienced this? 
+
+Who do you talk to when you want to share the excitement of huge financial gains?
+I guess it's about time to switch, especially since Bittrex support has been strained recently and they have yet to add many high volume cryptos like IOTA. They also don't have many highly sought after cryptos like WTC, QASH, VeChain and Request
+I was irresponsible after college and got myself into a lot of credit card debt, always thinking I'd get a better job and pay it off eventually. That didn't happen and it snowballed until I could barely afford the minimum payments. I was making less than $30k/year and I was freaking out because it seemed beyond my control and I didn't know what to do.
+
+This was a year and a half ago, and I had over $13k all on one card, with 17% APR. I decided to start budgeting and get a card with 0% APR (for a year) and no transfer fee. I paid as much as I could until the year was up, then applied for another 0% APR card and transferred the balance again. That was 6 months ago and I'm down to $4k left on the card now. I plan to have it completely paid off by August, maybe sooner.
+
+I'm starting to feel like a tremendous burden has been lifted and I don't want to screw it up. My credit score is pretty good (749) and I'm now making $35k/year. I still have $20k in student loans, and I'll be putting any extra money towards that as soon as the credit card is paid off. What should I know going forward? How do I keep my credit score as high as possible?
+Current market conditions call for an exception to the no prayer threads rule. Here is the official prayer thread for today. 🙏
+
+___
+
+Edited to include hotlines:
+
+National Suicide Prevention Lifeline: 1-800-273-8255
+
+National Problem Gambling Helpline: 1-800-522-4700
+
+Substance Abuse and Mental Health Services Administration's National Helpline: 1-800-662-4357
+
+Suicide Prevention Lifeline Live Chat [available here](https://suicidepreventionlifeline.org/chat/).
+
+Crisis text hotline available by texting HOME to 741741 (686868 for Canada, 85258 for UK) for crises such as anxiety, suicide, depression, emotional abuse, bullying, self-harm, loneliness, etc.
+Since the Centerlink bonus payments and Jobkeeper payments are ending this month, do you think market sentiment will continue to be negative leading up to the end of March? Or will we see a shift toward positivity as this will ease Government debt accumulation? 
+
+Also, do you think we will see a pump come April or May after Jobkeeper is cut off and Centerlink goes back to normal, meaning that it could force some people back into finding full or part time employment and therefore reduce the unemployment rate creating positive sentiment for future growth? 
+Or will the market sentiment continue to remain negative because people might remain jobless and potentially create a new economic problem?
+Post your thoughts and history with the trading platforms for Australian Trading.
+
+For this post, focus on Australia, ASX, CHI-X etc. Another post will be about how to lose money in the US, EU and Nigerian markets.
+
+Are the cheap? Is the app good? Did they forget to tell your their market data is 20 minutes out of date?
+
+Have they closed off options trading and you want to scream, reenacting the final scene of Planet of the Apes?
+
+This post will be stickied for a few days, then added to the sidebar, along with everything else no one reads.
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/EKU2tVBp9u).
+Mornin cunts, thought I'd share my dribbles I've got down on ALC. I'm a massive fan of tech and healthcare, and excited to see where these guys can go. Copy pasted my drive notes, so it's not pretty, a bit of a rant, but putting it here for anyone keen to learn a bit about em. No pretty pictures, I'm on night shift and lazy. Anyhoo:
+
+    Alcidion (ALC)
+TLDR: 
+ALC is a small health tech stock operating in a realm of giants, in an industry with a growing demand for faster hospitals, better monitoring data storage and easier communication. Alc has massive room to grow, expecting decent revenue increase, and a break even around 2022. A grower with a massive potential to seize a decent market share. 
+
+Intro to ALC: 
+Why bother: Overloading of data that doctors and nurses have to hold or memorise, where so much is on paper or methods/ safety sheets on computer systems. Alcidion aims to transform this to cloud from a digital format, into algorithms and databases that can be immediately accessed on the go by clinicians and cutting down on times patients spend in hospitals. There is still a large amount of physical data literally written on notebooks and paper… in 2021. A need for change.
+
+Alcidion is an Aus owned business, operating in Aus, Nz, but mostly in the UK. They cater to hospitals, clinics, and branching into communities, developing and providing software (SAAS), namely ‘Patientrack’, ‘Smartpage’, and ‘Miya Precision’. 
+Patientrack is a form of monitoring of individual patients, with its main integration into the Miya platform. Basically, you want Patientrack, you need Miya. Miya Precision is the all encompassing platform which provides 10 different clinical information systems. These range from Miya Flow, which is essentially the journey of a patient from admission to exit, and optimizes the efficiency within the hospital to Miya Observations aka Patientrack. Observations provide real time monitoring of designated vital signs, and these can be adjusted to cater for individual needs. ALC has provided a case study where 100% of at risk kidney patients were identified prior to the incident and 75% reduction in cardiac arrests in a hospital. 
+
+Miya has integration capabilities with external AI, an example given was CSIRO’s readmission prediction algorithm. Use of Cerner EMR (Electronic medical record).
+Miya is already an elaborate, intuitive, and DISRUPTIVE technology that may well shape the use of technology in otherwise archaic hospital systems where patients are still recorded on a clipboard.
+
+A smaller app provided by ALC is ‘Smartpage’. This is a modern day pager, a messaging platform which enables communication amongst clinicians, providing data on early warnings, patient ID, and image sharing, all in 2 way chats. The case study provided describes 15 minutes saved every hour per doctor, with 1000 tasks a day addressed by orderlies within the study at Capital and Coast District Health Board
+
+Overall, if the app looks anything like the advertisements on the site, it looks incredibly clean and polished, and my main concerns would be installation, implementation, and training times to bring all workers up to speed.
+
+A bit more info: Alcidion reverse listed on the ASX, hence the drop, however i believe that this was also due to the dodgy folk Nathan Buzza and Brian Leedman and looking into Resapp for 2 minutes has some clear indicators that things weren't quite right. Moving on to management today, it is clear the current leaders and steerer of the helm care deeply about healthcare and innovation.
+
+Alc makes money 2 ways- through a subscription based model: subs are usually 3-5 years, revenue is recognised monthly. The other is through a licensing, lasting up to 5 years and paid upfront. This license is not recognised as recurring revenue
+
+What do I like about it: 
+Alc caters to a very specific gap/ need in a massive market. Growing demand for efficiency in our world, and an aging population, means hospitals need to increase bed turnover rather than build new hospitals. Gf bro says they still use paper and pen over here in WA. Efficiency is an integral part of the new generation, and Alc brings this speed to a boomer-dominated area. This isn't a rocket emoji stonk, this is one I’ll buy a portion of, and monitor over time. Buy on the news, as the thesis of increased revenue from new clients and acquisitions. 
+
+Management: Current Ceo: Kate Quirk. Kate’s Salary: $353K p/a. Kate purchased $332k worth of shares OTC just last year, giving her 6% ownership of ALC and strongly aligning her with shareholders. Kate appears to be quite open and appears in a lot of interviews that she doesn't NEED TO (Rask Rockets). The newer investor presentations via Zoom appear to be an effort to show the adaptation of tech by the company. Kate is active outside of work, involved with the Steph Garden Foundation for childhood obesity. She has over 25 years in healthcare, involved in large scale procurement systems and implementation across Aus and Asia
+
+Insiders own 44% of the company, which may be of some concern, but given that 14% of that is Malcolm Pradhan, co-founder of ALC and still there after some of the other dodgy characters left (Nathan Buzza and Brian Leedman)  and is still there, 20 years later. Raymond Blight is the other founder, owning 10% of the company. Take these 2 out, and insiders own a lot less, with Kate making up 6% of that. 20 years, and 2 co founders still own the highest volume of shares. Co-founder owner operation is a huge factor for me, and with the 2 still there after 20 years, plus the large holdings, is a massive pro factor.
+
+Competition and moat: 
+The TAM for innovative software in healthcare would easily range in the billions of dollars. 2017-2018, Australia alone spent 185 billion on healthcare. 38% of this was on hospitals. As an extremely conservative guesstimate, let's say 5% of this went to data management and handling. In Australia, that would equate to a $3.5 billion need to fill. In the UK, healthcare accounted for 73% of government expenditure in 2018. $382 billion dollars in the UK spent on healthcare. Future profits is key, and with the expenditure on healthcare along with a growing need for efficient hospitals, there's  a large demand to fill. Last year, ALC revenue was $18.6 million. $3.5billion TAM. Huge room to grow. The most recent financial report Kate said that TAM inUK was $1.1 billion, 450 million in Aus, and 75 million in NZ. I do think these are conservative figures based on guesstimates and the increased demand for hospitals to update their ancient systems. Kate also mentions focus in Aus is to use Miya as a platform to draw data from large electronic medical records (EMR) (Cerner) and use it to streamline decisions.
+
+Covid has affected ALC, no time to transform a hospital in a crisis. Now that we are out of the bad times, along with the indication of how badly hospitals need reform, I expect to see a strong increase in revenue as hospitals switch to cloud and app use.
+
+Competition: Cerner. ALC is less than a speck of dust in comparison to Cerner, and I believe that because of this, ALC has the ability to quietly and quickly grow in much smaller markets. Looking at the Cerner website, shows an older system, one that a smaller, cleaner, more efficient ALC may start to poach clients. A possibility may also be in time, that Cerner either absorbs ALC, or obliterates it. In 2018/19 Queensland invested $1.5 billion into Cerner, half of the previously calculated Aus spend. Not good. In 2019, an NY hospital received a settlement of $38million in losses because of Cerner malfunctions to the billing system. Boomer system? A Texas healthcare in 2018 blamed Cerner for poor implementation and losses. Boomer system? According to a report, over half of Cerner clients were dissatisfied with Cerner implementation, and preferred 3rd party. BOOMER SYSTEM>?? Seems like the article had a lot of poor news about Cer, but the good news was that they were satisfied with the clinical optimisation. Here we see a space for ALC in the long term as these contracts end, where some will turn from a crappy system, towards a (hopefully) reputable software providing both excellent implementation due to the integration capability of Cerner products, as well as the efficiencies. Significant insider selling at Cerner, as well as insiders owning less than 1% of the stonk (0.2), it's a corpo with the top dogs selling down, over $3million. Not a good sign.
+Athen health and Optum are both billion dollar US companies, operating in a similar space. You have 3 tech giants, and multiple smaller companies, nibbling for crumbs
+Optum focuses more on pharma a care side, catering to the financial aspects but nothing stops it from developing clinical software in time.
+
+There are a large number of small 3rd party software systems around, however these seem to address specific needs such as eye care, and the larger brands most likely will have integration capability with Miya.
+
+Risks and when I’d sell:
+This is a small cap. Expect extreme volatility over the near term, and a lot of dumps on less than great news. However it’s not one I’d hold just because I like the idea. There are some giants in the industry, and a slowing in organic revenue growth and new client acquisitions, along with an eye on the news and watching larger companies will be an indicator of the goliaths taking ALC share. My biggest concern is Cerner and the likes simply overwhelming Alc with its presence, despite some bad news, it’s still a massive business and the likely first choice for most hospitals on the premise everyone else is doing it. 
+Poor acquisitions with cash used or failed cap raisins will cause questions. Poor acquisition= bad communication about what the business does, or how much it cost etc.
+Alc was founded in 2000, it’s had 21 years to develop its tech and show what it brings to the table, the next 3 years need to be about makin bank.
+A slow down of revenue, or insider sell off before earnings begin to break even (2022) will put this one on my naughty list. A few not so great announcements such as smaller sales doesn't necessarily mean a sale, so long as the reasoning is clear and concise, and not a continued case over a year or 2.
+Director benefits doubled 2019-20, keep an eye on that for 2021 and make sure it doesn't get ridiculous
+
+Shonky valuation 
+I suck at valuing a business. I don't have a magic formula, I don’t believe in fudging a DCF to get numbers I like, and usually I’ll look at analyst predictions or estimates on the 10 year value to guess a buy price. At the end of the day, I like to look at the value of the business, if it provides a need, retains customers, and how much it can grow.
+
+Here’s some numbers to look smart:
+13 million in cash, 9 million cash burn last year. Most likely need a cap raise at least once if not twice more pre 2022, and that's without any significant acquisitions.
+3yr revenue growth 98%- 1 large jump but indicative of future growth if they expand appropriately
+Earnings expected to break even 2022/3
+No debt- current liabilities are 9.4 mil with 4.7 being unearned revenue, and I don't think hospitals aren’t gonna pay their bills! Reliable revenue source. 
+
+Q2 FY2021
+
+163% increase on previous quarter and 260% up on Q2 2020
+
+17% ytd increase in revenue than from 2020
+
+23m revenue to be sold until 2026
+
+15m cash reserve including 3m not recognised because it paid on 1 jan
+
+Increased use of Smartpage, 3m deal with teaching hospitals- training to be used in the future (in my opinion)
+It was a video with audio from someone doing a hectic videogame speed run, but visual was someone doing a hotcopper rant in record time. Posted maybe 6 months ago? I need to see it again.
+
+EDIT:
+[IT HAS BEEN FOUND ](https://www.reddit.com/r/ASX_Bets/comments/lexs3i/pov_you_just_bet_all_your_savings_on_the_first/?utm_source=share&utm_medium=ios_app&utm_name=iossmf)
+Mornin cunts, thought I'd share my dribbles I've got down on ALC. I'm a massive fan of tech and healthcare, and excited to see where these guys can go. Copy pasted my drive notes, so it's not pretty, a bit of a rant, but putting it here for anyone keen to learn a bit about em. No pretty pictures, I'm on night shift and lazy. Anyhoo:
+
+    Alcidion (ALC)
+TLDR: 
+ALC is a small health tech stock operating in a realm of giants, in an industry with a growing demand for faster hospitals, better monitoring data storage and easier communication. Alc has massive room to grow, expecting decent revenue increase, and a break even around 2022. A grower with a massive potential to seize a decent market share. 
+
+Intro to ALC: 
+Why bother: Overloading of data that doctors and nurses have to hold or memorise, where so much is on paper or methods/ safety sheets on computer systems. Alcidion aims to transform this to cloud from a digital format, into algorithms and databases that can be immediately accessed on the go by clinicians and cutting down on times patients spend in hospitals. There is still a large amount of physical data literally written on notebooks and paper… in 2021. A need for change.
+
+Alcidion is an Aus owned business, operating in Aus, Nz, but mostly in the UK. They cater to hospitals, clinics, and branching into communities, developing and providing software (SAAS), namely ‘Patientrack’, ‘Smartpage’, and ‘Miya Precision’. 
+Patientrack is a form of monitoring of individual patients, with its main integration into the Miya platform. Basically, you want Patientrack, you need Miya. Miya Precision is the all encompassing platform which provides 10 different clinical information systems. These range from Miya Flow, which is essentially the journey of a patient from admission to exit, and optimizes the efficiency within the hospital to Miya Observations aka Patientrack. Observations provide real time monitoring of designated vital signs, and these can be adjusted to cater for individual needs. ALC has provided a case study where 100% of at risk kidney patients were identified prior to the incident and 75% reduction in cardiac arrests in a hospital. 
+
+Miya has integration capabilities with external AI, an example given was CSIRO’s readmission prediction algorithm. Use of Cerner EMR (Electronic medical record).
+Miya is already an elaborate, intuitive, and DISRUPTIVE technology that may well shape the use of technology in otherwise archaic hospital systems where patients are still recorded on a clipboard.
+
+A smaller app provided by ALC is ‘Smartpage’. This is a modern day pager, a messaging platform which enables communication amongst clinicians, providing data on early warnings, patient ID, and image sharing, all in 2 way chats. The case study provided describes 15 minutes saved every hour per doctor, with 1000 tasks a day addressed by orderlies within the study at Capital and Coast District Health Board
+
+Overall, if the app looks anything like the advertisements on the site, it looks incredibly clean and polished, and my main concerns would be installation, implementation, and training times to bring all workers up to speed.
+
+A bit more info: Alcidion reverse listed on the ASX, hence the drop, however i believe that this was also due to the dodgy folk Nathan Buzza and Brian Leedman and looking into Resapp for 2 minutes has some clear indicators that things weren't quite right. Moving on to management today, it is clear the current leaders and steerer of the helm care deeply about healthcare and innovation.
+
+Alc makes money 2 ways- through a subscription based model: subs are usually 3-5 years, revenue is recognised monthly. The other is through a licensing, lasting up to 5 years and paid upfront. This license is not recognised as recurring revenue
+
+What do I like about it: 
+Alc caters to a very specific gap/ need in a massive market. Growing demand for efficiency in our world, and an aging population, means hospitals need to increase bed turnover rather than build new hospitals. Gf bro says they still use paper and pen over here in WA. Efficiency is an integral part of the new generation, and Alc brings this speed to a boomer-dominated area. This isn't a rocket emoji stonk, this is one I’ll buy a portion of, and monitor over time. Buy on the news, as the thesis of increased revenue from new clients and acquisitions. 
+
+Management: Current Ceo: Kate Quirk. Kate’s Salary: $353K p/a. Kate purchased $332k worth of shares OTC just last year, giving her 6% ownership of ALC and strongly aligning her with shareholders. Kate appears to be quite open and appears in a lot of interviews that she doesn't NEED TO (Rask Rockets). The newer investor presentations via Zoom appear to be an effort to show the adaptation of tech by the company. Kate is active outside of work, involved with the Steph Garden Foundation for childhood obesity. She has over 25 years in healthcare, involved in large scale procurement systems and implementation across Aus and Asia
+
+Insiders own 44% of the company, which may be of some concern, but given that 14% of that is Malcolm Pradhan, co-founder of ALC and still there after some of the other dodgy characters left (Nathan Buzza and Brian Leedman)  and is still there, 20 years later. Raymond Blight is the other founder, owning 10% of the company. Take these 2 out, and insiders own a lot less, with Kate making up 6% of that. 20 years, and 2 co founders still own the highest volume of shares. Co-founder owner operation is a huge factor for me, and with the 2 still there after 20 years, plus the large holdings, is a massive pro factor.
+
+Competition and moat: 
+The TAM for innovative software in healthcare would easily range in the billions of dollars. 2017-2018, Australia alone spent 185 billion on healthcare. 38% of this was on hospitals. As an extremely conservative guesstimate, let's say 5% of this went to data management and handling. In Australia, that would equate to a $3.5 billion need to fill. In the UK, healthcare accounted for 73% of government expenditure in 2018. $382 billion dollars in the UK spent on healthcare. Future profits is key, and with the expenditure on healthcare along with a growing need for efficient hospitals, there's  a large demand to fill. Last year, ALC revenue was $18.6 million. $3.5billion TAM. Huge room to grow. The most recent financial report Kate said that TAM inUK was $1.1 billion, 450 million in Aus, and 75 million in NZ. I do think these are conservative figures based on guesstimates and the increased demand for hospitals to update their ancient systems. Kate also mentions focus in Aus is to use Miya as a platform to draw data from large electronic medical records (EMR) (Cerner) and use it to streamline decisions.
+
+Covid has affected ALC, no time to transform a hospital in a crisis. Now that we are out of the bad times, along with the indication of how badly hospitals need reform, I expect to see a strong increase in revenue as hospitals switch to cloud and app use.
+
+Competition: Cerner. ALC is less than a speck of dust in comparison to Cerner, and I believe that because of this, ALC has the ability to quietly and quickly grow in much smaller markets. Looking at the Cerner website, shows an older system, one that a smaller, cleaner, more efficient ALC may start to poach clients. A possibility may also be in time, that Cerner either absorbs ALC, or obliterates it. In 2018/19 Queensland invested $1.5 billion into Cerner, half of the previously calculated Aus spend. Not good. In 2019, an NY hospital received a settlement of $38million in losses because of Cerner malfunctions to the billing system. Boomer system? A Texas healthcare in 2018 blamed Cerner for poor implementation and losses. Boomer system? According to a report, over half of Cerner clients were dissatisfied with Cerner implementation, and preferred 3rd party. BOOMER SYSTEM>?? Seems like the article had a lot of poor news about Cer, but the good news was that they were satisfied with the clinical optimisation. Here we see a space for ALC in the long term as these contracts end, where some will turn from a crappy system, towards a (hopefully) reputable software providing both excellent implementation due to the integration capability of Cerner products, as well as the efficiencies. Significant insider selling at Cerner, as well as insiders owning less than 1% of the stonk (0.2), it's a corpo with the top dogs selling down, over $3million. Not a good sign.
+Athen health and Optum are both billion dollar US companies, operating in a similar space. You have 3 tech giants, and multiple smaller companies, nibbling for crumbs
+Optum focuses more on pharma a care side, catering to the financial aspects but nothing stops it from developing clinical software in time.
+
+There are a large number of small 3rd party software systems around, however these seem to address specific needs such as eye care, and the larger brands most likely will have integration capability with Miya.
+
+Risks and when I’d sell:
+This is a small cap. Expect extreme volatility over the near term, and a lot of dumps on less than great news. However it’s not one I’d hold just because I like the idea. There are some giants in the industry, and a slowing in organic revenue growth and new client acquisitions, along with an eye on the news and watching larger companies will be an indicator of the goliaths taking ALC share. My biggest concern is Cerner and the likes simply overwhelming Alc with its presence, despite some bad news, it’s still a massive business and the likely first choice for most hospitals on the premise everyone else is doing it. 
+Poor acquisitions with cash used or failed cap raisins will cause questions. Poor acquisition= bad communication about what the business does, or how much it cost etc.
+Alc was founded in 2000, it’s had 21 years to develop its tech and show what it brings to the table, the next 3 years need to be about makin bank.
+A slow down of revenue, or insider sell off before earnings begin to break even (2022) will put this one on my naughty list. A few not so great announcements such as smaller sales doesn't necessarily mean a sale, so long as the reasoning is clear and concise, and not a continued case over a year or 2.
+Director benefits doubled 2019-20, keep an eye on that for 2021 and make sure it doesn't get ridiculous
+
+Shonky valuation 
+I suck at valuing a business. I don't have a magic formula, I don’t believe in fudging a DCF to get numbers I like, and usually I’ll look at analyst predictions or estimates on the 10 year value to guess a buy price. At the end of the day, I like to look at the value of the business, if it provides a need, retains customers, and how much it can grow.
+
+Here’s some numbers to look smart:
+13 million in cash, 9 million cash burn last year. Most likely need a cap raise at least once if not twice more pre 2022, and that's without any significant acquisitions.
+3yr revenue growth 98%- 1 large jump but indicative of future growth if they expand appropriately
+Earnings expected to break even 2022/3
+No debt- current liabilities are 9.4 mil with 4.7 being unearned revenue, and I don't think hospitals aren’t gonna pay their bills! Reliable revenue source. 
+
+Q2 FY2021
+
+163% increase on previous quarter and 260% up on Q2 2020
+
+17% ytd increase in revenue than from 2020
+
+23m revenue to be sold until 2026
+
+15m cash reserve including 3m not recognised because it paid on 1 jan
+
+Increased use of Smartpage, 3m deal with teaching hospitals- training to be used in the future (in my opinion)
+ 
+
+[This is the official $GME Megathread for r\/Superstonk.](https://preview.redd.it/gzy9yfftoov71.png?width=778&format=png&auto=webp&s=7ce125aa2d7455f994d74a4192f1a04b7d14448c)
+
+**Please keep ALL conversations contained to Gamestop and directly related topics.**
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# Brand new to the sub? Start here!
+
+***You must read the*** [***Superstonk Rules***](https://www.reddit.com/r/Superstonk/wiki/index/rules) ***before commenting or posting on*** [***r/Superstonk***](https://www.reddit.com/r/Superstonk/)*.*
+
+https://preview.redd.it/u7nzd0m0pov71.png?width=1651&format=png&auto=webp&s=df5232178c4035ba1c069f9306b30453b42946cd
+
+The extremely talented and dedicated [u/zedinstead](https://www.reddit.com/u/zedinstead/) has created this beautiful collection of the most important, groundbreaking **D**ue **D**iligence in PDF format that can be easily accessed and shared. If you're looking to familiarize yourself with the GME bull thesis or the underhanded tactics of the short sellers involved in this trade-- then this is for you:
+
+# [GME.fyi](https://fliphtml5.com/bookcase/kosyg)
+
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+
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+
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+
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+
+**Eager for more even more GameStop info?** [gmedd.com](https://gmedd.com/) is a spectacular resource.
+
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+
+# Flair Links
+
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+
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+
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+
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+
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+
+***What's This Post All About?***
+
+The first thing you'll notice is a stickied comment right at the top. We call this the "Front Desk". Every day a moderator will create a new sticky comment that includes links to community announcements, fantastic posts that deserve more attention, and generally the simplest and easiest way to interact with the moderators of this community. The rest of the post is designed for general discussion and content/questions that might not need their own post.
+
+If you are new please mention that when you comment. There are no stupid questions but "shills" (paid accounts with the intent to disrupt the sub) are real. This community sees a lot of trolls. If you do not distinguish yourself as someone with genuine questions it is likely that members of our community will assume you are just spreading "FUD" (Fear, Uncertainty, and Doubt). I hate that I have to give you this warning but it is just the nature of the beast at this point.
+
+Please have fun, play nice and be civil. Many of our rules are heavily enforced. Debate is welcome but if it devolves into personal insults please report the comment. *Ape no fight ape!*
+Hi,
+
+I am just getting started with investing. I am planning to buy some ETFs and using an investor account setup with my bank to do so. While buying, although I see a price listed, there is a max price option to buy the ETF. I was wondering how do I decide what should the max price as compared to the price listed for that ETF?
+
+As an example, I am looking at **VTI** and it's price is listed as 190.64. So what would be the recommended price to buy it at?
+This is absolutely the best example of why the world needs cryptocurrency. Rich assholes squeezing every penny out of everyone they can and when the shoe is on the other foot and a small chunk of their huge fortunes are taken, they complain and get taken care of. 
+
+Where is all these rules when the big guy is f***ing the little guy. 
+
+This is exactly why we need cryptocurrency so be ready for it. Be ready to explain to your friends how it works. It's coming and it can not be stopped
+Hi everyone, I'm not sure if this is the right forum but here goes.
+My friend has invested around £5k into a bitcoin investment scheme... The website is BTC Profit. I told him when he did this that it was a foolish move to invest so sooo much money in something he didn't understand (I don't understand either but in the first 2 month my friend saw some quick profits ~£2k). The broker he deals with is based off shore in Switzerland and has regular contact (2-3 times a week) now apparently last week there was a 'big crash' and the £2k profit my friend had accumulated has been wiped out, as well as the initial £5k outlay. I feel so sad and angry for my friend and moreover he feels like an absolute fool. He cannot contact the broker, his phone is not ringing and not responding to emails. I don't want to say I told you so because my friend is extremely fragile right now and I'm not an asshole, so what can I do to help out? Is there an authority within the UK who could investigate this or does it need to go down the legal route? 
+Appreciate any advice.
+It may sound shocking now, but in 2010 it was reality.
+
+The creator of website **“freebitcoins.appspot.com”** where user could collect free Bitcoins is Gavin Andresen. The website is not working anymore. Each of users received 5 Bitcoins per day just by solving captcha. The purpose of this game was to promote cryptocurrencies and Bitcoin itself. Looks like the purpose got fullfilled.
+
+[This is how the default page of the faucet looked like.](https://imgur.com/gallery/HvnAZ2k)
+
+To fuel the first faucet, Andresen loaded it with 1,100 BTC of his own. After these were given away, the faucet was reloaded, with early bitcoin miners and whales also donating coins.
+
+Andresen said that: “Bitcoins are a new kind of money, and that they aren’t created or controlled by a government like USD or EUR, they’re created and controlled by anybody who wants to be part of the Bitcoin payment network.”
+
+This faucet managed to give away to people 19,700 Bitcoins which is now worth $1,171,852,530.
+
+[Here is the Andresens original post about the faucet that he posted in June 11, 2010](https://bitcointalk.org/index.php?topic=183.0). I highly recommend you to read it. To imagine that someone gave him back 50 BTCs just because he felt bad for getting 5 for free is ridiculous now.
+
+I thought it would be great idea to share this nice piece of history.
+
+Have a nice day !
+ I built a site that takes posts from 14 different subreddits on reddit as well as from thousands of popular crypto investing twitter, YouTube, and tiktok users and places them into one searchable and organized place. The site keeps track of the most talked about cryptos and places them under “Trending”. You can see the performance of all the different symbols across the crypto market. The site is a great way to find new crypto projects to invest in as well as find more information about projects you are already interested in. Simply search for a ticker symbol and see all posts containing that symbol across social media. It also comes with a lot of different tools to build custom alerts and analyze the correlation between social media trends/sentiment and crypto prices.
+
+This has been a super useful tool in helping with my investments and learning more about the crypto space in general and I felt like it could benefit you guys as well.
+
+[CryptoCompiler](https://www.cryptocompiler.com/)
+Many people see the worst aspect in NFTs, and I guess that’s pretty reasonable seeing how they are currently employed in the market as a money scheme venture by the rich and powerful, but they are starting to get some real utility, and their use cases are starting to show. 
+
+For example, the use case for gaming NFTs last year hit a major uptrend and started to make records. Axie made so many people so much money, more importantly, the way it was built allowed people with small funds to work as ‘scholars’ for large funders, really interesting strategy. Another game sweeping the markets right now is kitty kart and it’s showing no signs of stopping, growing slowly but consistently. 
+
+Use cases for NFTs are still growing so beyond this, as is this the case of audio NFTs, Despite being still under heavy study, they are forecasted to be really successful and triple the success that JPEG NFTs have made, now since the foundation has been already laid; the die has been cast. 
+
+More so are NFTs being studied to be made more practical, such as to be used as a sort-of patent of authenticity or uniqueness certification. This could prove elemental in the case of patent engineering or medical fields.
+Earlier in the year my aunt, who is in the spectrum but who is mostly able to take care of herself, was let go from her job after her company filed for bankruptcy.
+
+She owned a small flat that she was very happily living in. My dad, who is basically her sole lifeline when it comes to her paying her bills, using the internet, etc. was worried about the costs of her staying in this flat without any future employment prospects. She only needed to pay £300 a month for the flat as she had fully paid off her mortgage.
+
+She applied to several jobs (with the help of my dad) but was, and still is, unsuccessful in both her applications and her interviews. Around March time he made the decision that she needed to move into his flat with him and that they should split the bills to reduce the upcoming (and ongoing) coat of living crisis.
+
+I made the point to my dad that needing £300 a month to pay for bills is extremely cheap and it would be an huge change for both of them if he was to essentially force her to live with him.
+
+He wasn't having it. He said it was too risky and the fact she had already struggled to get a minimum wage job was proof of this, and so I caved on the idea.
+
+I stressed to my dad that since she'll be living with him for likely the rest of her life that he should make sure her money is as secure as possible (he takes care of her finances, as she tends to overspend unless she is given a set amount of cash each week).
+
+He told me he had put £20,000 into an ISA which had a decent interest rate, and had split the money between different banks so that it remained well below the 'risk' threshold (her flat sold for around £150,000, so I believe he split it between three accounts.)
+
+Cut to today, my dad has a new car and now a conservatory. My aunt is still jobless, and when asked how he afforded these things he insisted he's always had "some money tucked away." 
+
+But I find that hard to believe given how majorly stressed out he was about her paying as little as £300 a month just to survive (I appreciate this would have gone up with the bills increase, but that is still a low figure in my mind).
+
+Here's where the problem is: I have no proof. My dad could be completely telling the truth. He received an early pension a few years ago which gave him a lump sum. It is entirely possible he has taken the money from that and it is just coincidental timing.
+
+The other factor is my aunt has no-one else who she can rely on. Her other siblings want nothing to do with her, and my dad has essentially been her carer for most of his life without ever being compensated for it (my aunt can do a lot by herself but still needs a fair amount of help, and especially with her finances).
+
+So I am really at a loss what to do. If I was somehow able to prove he got my aunt to pay for these things or contributed in some way, then I have no idea how my aunt would operate day to day without any kind of help from someone trustworthy.
+
+She is hugely dependent on my dad. Plus it's not like she can move back out now that her money is increasingly worth less and less with the housing market the way that it is. Plus she still doesn't have a job and it's coming up to a year now...
+
+TL;DR: Dad got my aunt to move in with him, now he has all this extravagant shit out of nowhere.
+My landlord deposited my $1150 monthly rent check on the 7th. The check was correctly written out, but his credit union entered it as $11.50. When landlord noticed the error on the 9th, he called his credit union and they acknowledged the error and immediately credited the remaining funds to his account. 
+
+I called Wells Fargo yesterday and the agent confirmed only $11.50 was deducted from my account. I was told twice by the agent that this was a bank error and if the remaining funds are not deducted by September 1, I can consider the remaining cash MINE. She told me this when I explained the situation, then put me on hold to get a second opinion and came back with the same answer.
+
+It's been 3 days since that call and the money is still in my account. I know better than to spend/transfer it for at least 3 months, but does this kind of thing happen? I refuse to get my hopes up/spend or depend on that money, but if it's still there on the 1st, that could be my emergency fund!
+
+I just dont want to get bitten in the rear if it suddenly gets removed 6 months from now.
+
+
+I was curious that so many people are interested in day trading. How many of you guys are just watching from the sidelines, just getting into it, part time, and how many are full time and how do you manage?
+
+Personally, I am a student and have made a schedule that allows me to trade at least 4.5 hours of the trading day. 
+
+Just curious if there really are so many day traders out there and wondering how people farther along in life manage trading and other commitments like a job.
+This guy was arrested for selling BTC to an undercover fed. He's walking into court today to defend BTC. He represents us all.  He put his phone number on his twitter asking for moral support.  Send him a text of encouragement.  Let him know we got his back.
+
+@NODEfather on twitter
+
+video with arrest story: https://www.youtube.com/watch?v=Tu7nl_-vBns
+
+EDIT:
+
+TL:DW - The defendant's lawyer thinks the feds are setting up a case to base a future law on regarding bitcoin.  See 14:43 - 15:09 here: https://www.youtube.com/watch?v=Tu7nl_-vBns&t=14m43s
+
+The defendant claims that he broke no law, several federal agents did break the law including entrapment and spying, and that he has been targeted.  He is a worthwhile target for the feds because of his effectiveness in training multiple branches of the US military in how bitcoin works so that they would someday adopt BTC on a large scale.  Mass adoption of BTC scares the feds and they must protect their dollar.
+
+EDIT2:
+
+He was given 10 more days to find and pay for a lawyer.  https://twitter.com/NODEfather/status/966852090839486465
+There have been [several reports](https://np.reddit.com/r/ethtrader/comments/5zhx6j/daily_discussion_15mar2017/dezvfuc/) of different [phishing messages](https://np.reddit.com/r/ethtrader/comments/5zhx6j/daily_discussion_15mar2017/dezu4ct/) today which were received by ethtrader subscribers. These message likely contain links which will try to install malware on your machine and attempt to steal your private keys and passwords, with the ultimate aim of transferring out all of the ETH that you own. Once your ETH has been transferred to another account, it will be nearly impossible to get it back. This has happened to people here before. Don't assume you're immune to it!
+
+So, please, do not click on links from strangers. And more than that, move your ETH off exchanges and into paper wallets or hardware wallets. This is still the Wild West. You are responsible for your own security!
+
+EDIT: lol i just got the message from u/candidgirls myself.  nothankyou.jpg
+For the second time in 2018 I bought more eth. Everything is better positioned than it was a year ago. Time to stock up boys. Take em out of the supply and hodl. Remember hodl?
+First of all if the mods require verification for any of this, I am more than happy to provide. Everything is, sadly, true.
+
+So here's what happened. Three days ago I log on to my HSBC UK ebanking because I wanted to make a wire transfer. It looked like there was some kind of bug since it kept telling me that I needed to log onto HSBC China ebanking to effect the transfer. I called customer service and at first they too thing there's some kind of bug, the guy on the phone even reported it to their technical team. So I asked to perform the transfer on the phone. Only when the guy noticed that he too cannot make a transfer involving my accounts did he start to suspect something was really wrong. He asked me to hold on during a few minutes while he spoke to his supervisor and when he came back we had the following conversation:
+
+- Him: "We are unable to effect payments on your accounts at this moment in time, as the bank is complying with its UK statutory requirements"
+
+- Me: "So what's the issue, how can we solve it?"
+
+- Him: "I don't know anything else than this, we're complying with our UK statutory requirements"
+
+- Me: "What does that mean, our accounts are blocked?"
+
+- Him: "Yes" 
+
+- Me: "And you can't tell me what I can do to unblock them?" 
+
+- Him: "Correct"
+
+- Me: "How long is that likely to take to be resolved?"
+
+- Him: "I don't have any other information, sorry" 
+
+There I started to panic since we currently rely on our savings to live. We have the equivalent of $60'000 in our HSBC accounts (in several currencies) and our plan, my wife being 7-month pregnant, was to live off that for the next few months while we give birth and for the next few months thereafter. It's not just us two, we also have a 3-year old daughter. In normal times we're entrepreneurs, currently trying to start a new business, but we're just starting out and it'll take many months before that activity can generate meaningful income for us, if it ever does.
+
+Let me precise at this stage that I am obviously not a terrorist nor a money-launderer or god knows what else. I'm a 34 years old dad with early balding, I've been married for 10 years, I pay my taxes and the latest illegal thing I did was smoke joints in highschool. I'm not exactly the crazy type. My idea of a nice evening is me cooking dinner for my family (which I do every evening) and then reading the dictionary with my daughter (she loves it for some reason) until it's time for her to sleep. 
+
+Anyhow, soon afterwards, I received the following email from HSBC:
+
+> Dear Mr XXXX
+>
+> Thank you for your emails about the restriction placed on your accounts. I’m sorry you had to raise concerns and I trust the following will clarify the banks position.
+>
+> Having had the opportunity to review the situation, I can confirm that we are unable to effect payments on your accounts at this moment in time, as the bank is complying with its UK statutory requirements.
+>
+> I appreciate that you may not agree with our actions; however, I hope you will understand that these are a necessary part of the management and practices by which we operate our business. As such, we will not enter into any further communication relating to the reason we have taken this action.
+>
+> We realise that this is a difficult situation and we will try to complete these requirements as quickly as possible.
+>
+> You have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of this letter. The Ombudsman is the independent body that looks into disputes between consumers and financial businesses. It looks at what's happened and gives an independent view on the situation. For a copy of the Financial Ombudsman Service consumer leaflet please refer to "Your complaint and the ombudsman" (www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm) and for further information please refer to the Financial Ombudsman Service site.
+>
+> If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.
+>
+> Yours sincerely
+
+Obviously my next step was to check up on this Financial Ombudsman Service and file a complaint with them, which I did immediately. After my complaint was completed online, I called them to wonder about their timeline. They told me issues typically get dealt with "within 6 months". Six months! 
+
+I replied to the email above from HSBC to wonder if there was anything else I could do. I told them my wife was 7-month pregnant and that we needed the money to live. Their reply was:
+
+> Dear Mr XXXX
+>
+> Thank you for your email.
+> 
+> Unfortunately, I am unable to provide any further information and will not enter any further communication regarding this matter.
+> 
+> As per my previous email, we appreciate this is inconvenient and we will try to complete these requirements as quickly as possible.
+>
+> Your sincerely
+
+This is absolutely mind-boggling to me that something like this can be legal. That a bank can just unilaterally, without any form of warning, confiscate all the financial resources of a family and leaving them with nothing to live. And that after doing so they refuse 1) to give a reason, 2) to explain how the issue can be resolved and 3) to explain when it'll be resolved. How is that even possible? Last I checked, in a country were the rule of law applies, you first need to be tried before being found guilty and eventually punished. We're punished in the worst way possible as we're rendered resourceless (when 7-month pregnant!) and we aren't even told why! This is obviously causing us an enormous amount of stress, something we don't need right now...
+
+We're not sure how we'll cope at this stage: for the last few days we've had to rely on our credit cards for our expenses. But soon the bills will come due and we've no idea how we'll pay them since f* HSBC decided - for some unknown reason - to confiscate our money and block our accounts.
+
+Also, as I've read, we're not the first ones this happens to. The Guardian has several articles with similar stories like this one entitled "[HSBC has wrecked our lives, say customers frozen out and unable to switch](https://www.theguardian.com/money/2015/oct/03/hsbc-derisking-account-frozen-marie-shaun-langley)" with an eerily similar situation. In many ways our situation is worse though because they only had £512 on the account when we have $60'000 and we're a whole family (with a pregnant woman) left resourceless.
+
+I'd love some help, what can we do? I feel that if we give the issue some visibility it could maybe give HSBC some sense of urgency to get their act together and give us our money back asap. So if you could maybe: 1) tweet about this (linking to this post and including [@HSBC_UK](https://twitter.com/hsbc_uk) in your tweet, 2) speak about this to any journalist friend you might have or 3) [post on HSBC's Facebook](https://www.facebook.com/HSBCUK/). I feel this can only help. Any other thought welcome of course! 
+
+Thank you!
+
+TLDR: HSBC decided to freeze all our accounts on which we store all our money (the equivalent of $60'000), rendering us resourceless as a family. They didn't give us any warning, won't tell us why or when the issue will be resolved. The only thing they told us we can do is complain to the "Financial Ombudsman Service" which is a process that takes many months. Please help by raising awareness of our situation (tweet to HSBC, post on their FB, etc.) or comment here with any idea you might have to get this resolved.
+
+Edit: removed part about my contact who works at HSBC since it somehow was a big deal
+Title. It's been a big year and we're trying to be strategic. We are comfortable on just my income and have no debt to pay off now, so we are either going to save his income for big purchases, put it in retirement to the $19k (or whatever) limit, or invest.
+
+* We'll file married filing separately in a community property state.
+* His new employer's 401k matching is a joke, so we're disregarding it completely. ($250/yr matching and you're not vested until 6 years, lol.)
+* He has nothing saved for retirement now.
+* We might benefit a little from having a lower AGI this year.
+* We'd like to start a family within a couple years and buy a house within a few more.
+
+Would it make any sense for him to max out retirement this year and next, or would he be better off just putting in 15% and not worrying about the age he started? Thanks!
+
+**Edit:** *Wow, I went for a walk and this blew up. I'll be getting to responses! A lot of people have asked why MFS instead of MFJ. I have $90k in student debt that is on track for complete tax-free forgiveness in about 6 years, regardless of how much I pay into it. The payments are based on my income. If we file MFJ, the payments are based on the sum of our incomes, but if we file MFS, it's based on 50% of our combined incomes. It should make a difference of about $5-6k per year. I've done the calculators a little bit and it seems like we still come out ahead for now with MFS, although I'm not as knowledgeable about how that affects contribution limits, etc.*
+Guten Morgen to this global band of Apes! 👋🦍
+
+There has been an incredible amount of uncertainty about what the coming days or weeks will bring.
+Of course, the big news is that of Reddit's warning to the Superstonk mods about brigading, and that this community will be shut down if it continues.
+Since this community is so central to the broader movement, it only seems natural that the SHFs will attempt to exploit this weakness in Reddit's rules to shut us down.
+When anonymous accounts can be used to post on other subs and blame it on Superstonk, it seems to only be a matter of time until this happens.
+However, while many seem to think that this inevitability will happen soon, I personally feel that it will happen when the SHFs are most vulnerable.
+There will be a time when we all will be looking to this sub to better understand the current events, and the SHFs will be desperate for us to lose the community at that exact moment.
+
+Until that day comes, it is pretty clear that we are still very much on the right track.
+It continues to be important to HODL and DRS your shares, but also to ensure that your shares are marked as 'book' at Computershare.
+If the day does come that this sub is no longer active, I will continue to post on my own profile or another related community.
+Thank you all for continuing to participate in this wonderful community.
+
+Today is Monday, December 12th, and you know what that means! Join other apes around the world to watch infrequent updates from the German markets!
+
+###🚀 Buckle Up! 🚀
+***
+
+
+- 🟥 120 minutes in: **$22.64 / 21,44 €**  *(volume: 2897)*
+- 🟥 115 minutes in: $22.72 / 21,52 €  *(volume: 2127)*
+- 🟥 110 minutes in: $22.87 / 21,66 €  *(volume: 1927)*
+- 🟩 105 minutes in: $22.88 / 21,67 €  *(volume: 1917)*
+- 🟩 100 minutes in: $22.72 / 21,52 €  *(volume: 1877)*
+- 🟥 95 minutes in: $22.72 / 21,51 €  *(volume: 1843)*
+- 🟩 90 minutes in: $22.89 / 21,68 €  *(volume: 1827)*
+- 🟥 85 minutes in: $22.88 / 21,67 €  *(volume: 1576)*
+- ⬜ 80 minutes in: $22.89 / 21,68 €  *(volume: 1544)*
+- ⬜ 75 minutes in: $22.89 / 21,68 €  *(volume: 1529)*
+- ⬜ 70 minutes in: $22.89 / 21,68 €  *(volume: 1526)*
+- 🟩 65 minutes in: $22.89 / 21,68 €  *(volume: 1526)*
+- 🟥 60 minutes in: $22.88 / 21,67 €  *(volume: 1525)*
+- ⬜ 55 minutes in: $22.89 / 21,68 €  *(volume: 1413)*
+- ⬜ 50 minutes in: $22.89 / 21,68 €  *(volume: 1413)*
+- 🟩 45 minutes in: $22.89 / 21,68 €  *(volume: 1413)*
+- 🟥 40 minutes in: $22.89 / 21,67 €  *(volume: 1410)*
+- ⬜ 35 minutes in: $22.89 / 21,68 €  *(volume: 1410)*
+- 🟥 30 minutes in: $22.89 / 21,68 €  *(volume: 1406)*
+- ⬜ 25 minutes in: $22.91 / 21,70 €  *(volume: 1234)*
+- ⬜ 20 minutes in: $22.91 / 21,70 €  *(volume: 1177)*
+- 🟩 15 minutes in: $22.91 / 21,70 €  *(volume: 1174)*
+- 🟥 10 minutes in: $22.89 / 21,68 €  *(volume: 945)*
+- 🟥 5 minutes in: $22.89 / 21,68 €  *(volume: 932)*
+- 🟩 0 minutes in: $22.90 / 21,68 €  *(volume: 897)*
+- 🟥 US close price: $22.63 / 21,43 €   *($22.77 / 21,56 € after-hours)*
+
+
+***
+FAQ: I'm capturing current price and volume data from German exchanges and converting to USD. Today's euro -> USD conversion ratio is 1.0559. I programmed a tool that assists me in fetching this data and updating the post. If you'd like to check current prices directly, you can check [Lang & Schwarz](https://www.ls-tc.de/de/aktie/gamestop-aktie) or [TradeGate](https://www.tradegate.de/orderbuch.php?isin=US36467W1099)
+
+Diamantenhände isn't simply a thread on Superstonk, it's a community that gathers daily to represent the many corners of this world who love this stock. Many thanks to the originator of the series, DerGurkenraspler, who we wish well. We all love seeing the energy that people represent their varied homelands. Show your flags, share some culture, and unite around GME!
+Contract: 0xaef0a177c8c329cbc8508292bb7e06c00786bbfc
+
+Telegram: [https://t.me/PULI\_INU](https://t.me/PULI_INU)
+
+Website: [https://www.puli-inu.com/](https://www.puli-inu.com/)
+
+✨
+
+**Who are the Leaders of Puli (PULI)?**
+
+Puli    is the first BSC Token managed by Christopher Johnson, Ph.D., Fredrik    Rafhn, and John Gibb. They are developing new play-to-earn games for   the  BSC ecosystem and most important, for their holders.
+
+Managed    by an amazing Leadership, Marketing, and Development Team in the BSC    ecosystem, Puli aims to stand above all the meme coins, giving utility    and usage to the token. In the spirit of the Puli aspect of the  token,   and based on community feedback, this effort will include a  charitable   aspect to supporting animal shelters and sanctuaries around  the world.
+
+The   team is also  backed up by a tremendous support team with a Game   Developer, Solidity  Developer, NFT and 3D Designer, Branding Manager,   and a Marketing  Manager as well as a tremendous group of administrators   and moderators  on all social media platforms.
+
+Finally,    Dr. Johnson’s company supports Puli: Lightspeed Crypto Services, LLC.    This company was stood up to conduct business-to-business  interactions   as well as provide maximum resources and growth  opportunity for the   token and its holders.
+
+✨
+
+**What Is Puli (PULI)?**
+
+Puli is a token held by one of the    strongest teams in the Binance Smart Chain (BSC) network from a    leadership, marketing, and technical point of view.
+
+The    project is aiming to create play-to-earn games accessible from cell    phones, PCs, and tablets where it will be possible to have access to  all   the services and products that Puli can offer.
+
+✨
+
+**What are some of the biggest accomplishments for Puli (PULI)?**
+
+The    community is the driving force for the token and the games it will    support. Without the community, Puli would not be a success. The leaders    of Puli are especially grateful for all the contributions the   community  has made thus far and for being solid diamond handers in the   peaks and  valleys of BSC trading.
+
+Puli   has  also carried out many notable achievements such as having their    circulation supply verified on 9 sites such as Coingecko, Nomics,    LiveCoinWatch, CoinPaparika, CoinDataFlow, CoinRanking, CryptoRank,    CoinCodex, CoinChecko, and CoinMarketCap. A verified circulation supply    is the equivalent of a financial audit and ensures high ranking, rapid    pricing, and trending everywhere.
+
+Puli    is also audited by Coinscope and Interfi Network. All team members   have  passed KYC checks and have revealed themselves to the entire Puli    community on several AMAs.
+Sorry for the drama, but this is just outrageous.  There are some things that should be off-limits, like deliberately lying to newbies.
+
+Have a look at this thread where a newbie asks for help buying Bitcoin, please don't bregade, comment or vote:
+
+https://np.reddit.com/r/btc/comments/ijksed/where_can_i_buy_bitcoin/  
+
+Archive:
+
+https://web.archive.org/save/https://np.reddit.com/r/btc/comments/ijksed/where_can_i_buy_bitcoin/
+
+Apart from the normal "buy this altcoin instead for x and y reasons" the head moderator himself comes in and deliberately and knowingly gives a link to a site that sells an altcoin.  To make it worse, it is his own site that he directly profits from.
+
+I have already reported it to the Reddit admins, people being this dishonest need to get ejected from cryptocurrencies IMO.  They definitely should not be running subreddits.
+I understand that these are quite attractive now a days for parking funds and can be bought and sold anytime in NBDB free of cost. But how do they work - for example if I buy CSAV or PSA on Nov 1 for $5000, how will I earn the interest if I sell on Nov 25th? Will I get the interest in my account automatically daily or when I sell or at a certain point? What about the increase of decrease of ETF price during these 25 days, specially if markets zoom up or tank by 20%?
+
+Can someone please explain?
+I have been recently been reading on the topic of leveraged ETFs, and I was am interested to hear people's perspectives on attributing a small portion of their portfolio to a leveraged ETF considering the greater returns. Considering people invest in QQQ and hold long term, why don't they invest in the same index ETF but with leveraged ETFs for greater returns, if you're truly invested in the buy and hold strategy then wouldn't it provide greater value? (Also, it doesn't necessarily need to be TQQQ, it could be an S&P 500 leveraged equivalent, etc...)
+
+I'm curious to everyone's thoughts as people generally say put into an index fund and leave it, couldn't you apply that same concept but to a leveraged index etf for greater longterm returns?
+I subscribed to this thread for motivation because, well, you know, it's good to dream big. 
+
+
+That said, I'm among the many millenials with no post-secondary education and the job market doesn't exactly demand my lack of sexiness-on-paper.   I get paid according to where the socioeconomic bracket system places me regardless of how hard I try to swim upstream.  
+
+It's not glamorous.     I was about to unsubscribe because seeing how vast the chasm is between us is a little depressing to say the least.   
+
+But, I decided to be a brave little broke 29 year old recently divorced male and say hey.... any uplifting words or actionable advice for a barely-can-afford-rent-guy like myself?   
+
+I don't have a problem managing my money.    When you make $13 an hour you have no choice but to pinch your pennies and make every dollar count.  
+...Please tell me there's more hope to the story than simply "you fail at capitalism".     Gracias.  
+
+*Edit:   Really appreciate some of these kind and helpful replies.    Thank you.  I shall trudge on. 
+I think we have to thank Wood for dodging yet another bullet: By keeping the GPL license, IBM can't just implement Ethereum and sell it without having to make their code free as well. In the long run this will benefit the developers a lot because corporations like Cisco, Bosch, JP Morgan will  work directly with ConsenSys, EF, Ethcore, rather than going through HL. Thanks to Enterprise Ethereum this will be a huge advantage. 
+
+Corporations that want to build on HL will go with HL anyway, why give them the tools to simply "take over" and potentially drag developers and users away from Ethereum? 
+
+Basically corporations could have pulled off another "ETC" and add more proprietary stuff to analyze and track users in their code, now they cant. 
+
+Reddit user HodlDwon put it like this:
+
+> Microsoft, IBM, and company have on more than one occasion in history, stewarded, infiltrated and then crushed new technologies and innovations. /u/HodlDwon
+
+Here is what Bob Summerwill had to say about that:
+
+> **Our multiple implementations, I think, are the best defense we have against co-opting. That, and the public chain.**  Compatibility with that public-chain is the test which cannot be cheated.
+
+---> Here is the best part:
+
+> Anyway - Enterprise Ethereum is coming our way soon enough, and I think that we are going to see some heavy-lifting from those resource-rich companies. Building a new client is unlikely to be a priority, though, IMHO.
+
+Sure it would have been great to have HL as a partner but we may have dodged a huge bullet there, potentially a game-changer in the long-run. 
+
+Sources: 
+
+* https://www.cryptocoinsnews.com/ethereum-crossroad-corporate-interest-grows/
+* https://www.ethnews.com/hyperledger-fails-ethereum-integration-due-to-licensing-conflicts
+* https://np.reddit.com/r/ethereum/comments/5qp5pc/ethcore_blocked_cppethereum_permissive_relicensing/
+Owned a significant chunk of a start up that was aquihired early. 1.4M liquid exit post tax. Conditional - now working at new place for 2 year min, (but with 38 hr weeks VS 100 when running it).No equity upside in new co, 200k salary.
+
+Goal: fat fire with 7m. Would like to do so asap, but also cannot handle stress of another startup. Building this made me lose contact with all my friends, drop out of uni, etc. Am now very happy in a relaxed job but creating another startup may age extremely rapidly. 
+
+What are my options? I could lock up 1.4m in vanguard and work my favourite relaxed jobs until 35/40, spending all my income disposably. This would sustain my luxurious lifestyle goals as I don't plan to spend a lot when working (but when retired, I want $700 a day budget to travel and rent).
+
+Could also start another company... Or work as a high powered front end dev (or maybe I'm eligible to be management in silicon Valley now...?) was in more of a product owner role at the end of the company, but have a technical background.
+
+Please help a young and emotionally wrecked person figure out what the heck to do. Thank you. 
+Hello all! I’m a regular lurker and occasional participant in this community, but I’m posting this on a throwaway because I’m a C-level executive of a public company and my regular account can probably be linked back to my real identity.
+
+In short my liquid net worth is about 10M, 80% of which came from a partial liquidity event in my company in early 2020. We’ve since gone public, and I have illiquid stock worth another 14m (about half of which is vested), and I have another 50-60m in black scholes value of options, so a ton of skew if the company does well. I mostly try to think of any illiquid company stock (and definitely out of the money or at the money options) as funny money that doesn’t exist, but it’s a consideration nonetheless.
+
+I have no real estate. About 1M of my NW is in tax deferred accounts (401k and Roth IRA), and the remainder is in taxable brokerage accounts.
+
+70-80% of my net worth is currently in cash, and I have a ton of anxiety about getting it into the market. I go back and forth about how reasonable this is - most of it came to me right as the pandemic hit, and the market was first in free fall and then felt frothy. Also I have a ton of highly volatile exposure to the market via all that company stock, and while I’m very confident of our prospects that doesn’t feel like something I can bank on. I live in a VHCOL city and want to stay here, but we don’t want to buy yet because we a) don’t have kids yet and b) don’t know where exactly we would want to live because my wife is still figuring out the location of her long term career.
+
+Any advice either on whether to more aggressively deploy, or more importantly on how to overcome the psychological concern? I feel like if the market goes south after I put the money in, it would sting a ton - both my company and my portfolio would lose value at the same time - and my company is relatively high beta so if the market stays great my company stock has a higher chance of being worth a lot. I have a wealth manager who I don’t really pay right now - he’s betting on me as a more valuable future client - and he’s been encouraging me, I’m averaging in about 1M over the course of this year into broad market ETFs.
+
+I’m not particularly frugal, but my rent is low as a percentage of my income. I have annual cash comp in the 1-2M range and get more options of high black scholes value annually.
+
+Thanks!
+I live in a small town in the South  - population about 10k. 
+
+I see the question of rents asked on here a lot but I'm always frustrated by the answers because most of them don't apply to me.
+
+Rentometer doesn't work where I am and Zillow is similarly worthless.  When I look on craigslist or similar sites I can get some info for the larger cities 20 and 30 minutes away but usually nothing for where I am. Researching rental prices has actually gotten MORE difficult in the last few years as the rental market has heated up and there's almost nothing being advertised.
+
+The rental market here definitely exists.
+
+I've met a few local people who own multiple properties and talked to a few a real estate agents but answers are vague and properties are wildly dissimilar -- ranging from apartments to mobile homes. There doesn't seem to be a lot of digital info out there because it's one of those "everybody knows each other" type of towns and a lot of landlords seem to take cash, do verbal agreements, etc. I know, I know... but that's what rural areas are like. 
+
+So, while I have some vague idea of what I could charge, that range is still pretty wide. How can I start to calculate a more accurate rental price?
+
+Do I need to survey everyone I meet? Do I need to pester every real estate agent I can find? I've seen a few rules of thumb based on home value, etc. but I don't know how up to date those ideas are.
+
+What do the rest of you do when comps are hard to come by?
+For those who have done the hard yards to get onto the property ladder, 1) how long did it take you to save your deposit and 2) did you do anything to help accelerate the saving process (ie first home saver accounts, crazy stockmarket bets etc)?
+Just kidding. My husband and I have been discussing a 529 plan or an IRA for our 4 month old. Can anyone summarize the pros/cons of each, or point me toward a good article?
+Credit to u/comment-this for setting up and allowing us to easily get it back up and running and also to u/SwedishStockAddict for taking on the domain. 
+
+Happily take any backed up DD to get things onto it again. Will make slight changes to it in the meantime, open to suggestions. 
+
+Thanks everyone for the mass notifications this morning. We’re also working on something else too! 👍
+
+EDIT #DRS
+Been playing this level to level and currently support has flipped into resistance. Hesitant to short because volume looks weak, which could be indicative of selling exhaustion, but at this point I’m probably looking for strong candles to break the little support we’ve just made around $16.5k
+I’m wondering if anyone has insight on how to deal with difficult family dynamics if they judge you for wanting a fat lifestyle to begin with? I recently married into a family who loves the finer things, and I feel more drawn to that than what I came from.
+
+But my family (who has similar high NW) feels strongly about anything “flashy” and would rather not show their wealth. I can see this point of view as well, and grew up with it. But it doesn’t resonate with me as I get older. Not that I want to gloat, but it seems to exhausting to try and hide my wealth. It is what it is, and it shouldn’t be a big deal. How would you handle this? It’s hard not to share things about my life with my parents and feel like I’m walking on eggshells.
+We were having this conversation in work yesterday as we all have different spending habits etc. For example, one of my colleagues gets an Uber to work if he stays at his girlfriends as opposed to just walking the 30 minute walk. That's something that I don't get.
+
+​
+
+But then I spend £20 on the Euromillions each month which he doesn't get. I also spend £35 a month on NowTV Sports which he gets to an extent but thinks I should just stream them.
+
+​
+
+So what are some things you spend money on that other people can't wrap their heads around?
+Honestly, this DD requires a lot of critical thinking. If that’s not your jam, please enjoy this cartoon of Alex Karp crushing the competition, then scroll down to the bottom of the DD where you’ll find my plan for the end of my lockup plus a few diamond emojiis, a couple of hand emojiis and a bunch of vacuum optimized transportation device emojiis.
+
+[ \(photo credit for the Karptoon goes to ex-Palantir designer u\/gottacroe and my wife u\/LindsayatAdaDiamonds photoshopping in the Salesforce Einstein\)](https://preview.redd.it/alrclog6jph61.jpg?width=2550&format=pjpg&auto=webp&s=1ccc3ebfc134179b868459db097dd9d1e51534c1)
+
+Lots of words below, so here’s the TL;DRs, Table of Contents, a self dox, and position disclosure before my DD.
+
+**TL;DR #1**: After watching Demo Day twice, I am blown away at how much Palantir’s products have matured in the last 6 years since I left Palantir. I find the new UX far superior to offerings from GOOG, MSFT, and CRM. Apollo is absolutely incredible, and it’s going where no clouds have gone before… from Humvees to nuclear submarines. Lastly, it is clear to me that PLTR has invested heavily in best-of-class administrative tools to improve the speed to deploy Palantir. Bottom line: I fully understand why IBM gave up fighting Palantir and is now selling Palantir Foundry to IBM clients.
+
+PLTR when I left in 2015 versus the Palantir I saw on Demo Day:
+
+[You've come a long way baby.](https://preview.redd.it/fuvi00aejph61.jpg?width=1182&format=pjpg&auto=webp&s=d993cff432e6b8f49b6728ac4d180cbbb2979080)
+
+\_\_\_\_\_\_\_
+
+**TL;DR #2:** IBM just surrendered to PLTR. In the words of POTUS, this is a…
+
+# Big.
+
+# Fucking.
+
+# Deal.
+
+To put it politely, IBM and Palantir don’t have a very good past relationship. So the fact that IBM is now pushing Foundry means one thing: Foundry is so unfuckwithable that IBM was losing numerous contracts to Foundry-wielding competitors and IBM had no choice but to swallow their pride and cut a deal with Papa Karp.
+
+* First they ignore you.
+* Then they laugh at you.
+* Then they fight you.
+* Then they surrender to you and sign a deal to slang Foundry to thousands of clients in 180 countries.
+* Then they send your shareholders tendies for decades.
+
+\_\_\_\_\_\_\_\_
+
+**TL;DR #3:** Regardless of how ‘good’ or ‘bad’ the 2020 earnings are tomorrow, I find the news from early 2021 to be an incredibly strong signal pointing to an eventual $250B+ market cap for Palantir – BP renewing their enterprise deal, Rio Tinto and PG&E signing a new enterprise deals, AT&T aggressively hiring for Palantir skills, and 2,500 IBMers now pushing Foundry to clients all over the world, etc. IE the tea leaves I'm reading point to strong growth in 2021 and beyond.
+
+It's also worth mentioning that many of the new commercial clients have some of the most difficult and complex supply chains in the world.
+
+If they’re in, I’m in.
+
+\_\_\_\_\_\_\_\_
+
+**TL;DR #4**: Eventually, institutional traders will comprehend the immense long-term value of ~~Planeteer~~ ~~Planter~~ Palantir and the stock will join the PFAANG club (though I vote that we rename it the FAAPNG club).
+
+\_\_\_\_\_\_\_\_
+
+**Table of Contents:**
+
+1. Praise & Constructive Criticism for Demo Day
+2. Why Palantir is a Diamond Fisted Iron Man Suit
+3. The True ROI of Palantir
+4. Muthafuckin’  Clouds in Nuclear Submarines
+5. Does it Matter that Palantir Needs FDEs at Deployments?
+6. Should  you YOLO on PLTR?
+7. My Appreciation for the Palantir Team
+8. Musings on Earnings and Unlocking
+
+\_\_\_\_\_\_\_\_
+
+Because there are so many shills, pumpers, and bullshiters on WSB these days, I’ll self dox myself. I’m Jason Payne. I joined Palantir in early 2007, when it was a few dozen geeks with big dreams, and left in 2015 to become the CEO of [Ada Diamonds](https://www.adadiamonds.com/) (hence my username).
+
+I joined Reddit to do an official [AMA on laboratory-grown diamonds](https://www.reddit.com/r/IAmA/comments/8pb8d5/i_grow_diamonds_i_make_custom_jewelry_with_these/) a few years ago that hit the front page, stuck around, and have absolutely fallen in love with the Reddit community. Thus, I want to give back to my fellow Redditors with a bunch of words and a few pictures to explain Palantir from the perspective of a former employee.
+
+You may think that I’m a Palantir sock puppet given how my bullish I am in this DD. I’m not. Turns out I have a DD-writing fetish. Don’t kink shame. [Here’s a couple of my prior DDs](https://medium.com/@Jason_Payne) on De Beers, Tiffany & Co., and the FTC.
+
+\_\_\_\_\_\_\_
+
+**Positions or ban:** At the current PLTR share price, I hold a Keyser Söze position - I could sell out this week and simply walk off into the sunset. But I’m not going to. I have yet to sell all of my unlocked 20%, and I plan to mostly diamond hands my soon-to-be-unlocked 80%, with a decade long diversification plan to exit my concentrated stock position, regardless of earnings tomorrow.
+
+Why? I like the stock, a lot.
+
+\_\_\_\_\_\_\_
+
+**#1) Praise & Constructive Criticism for Demo Day**
+
+Existentially, Demo Day was incredibly impressive. This thread with u/namingisreallyhard, u/DentalFox, and u/jamauer sums it up:
+
+​
+
+https://preview.redd.it/d0p7dwzijph61.jpg?width=526&format=pjpg&auto=webp&s=9caa7b51ca8f7c2315988eda62f4afa7f30f7b07
+
+Four things stood out to me:
+
+**Superior Design Language to CRM, MSFT, and GOOG:** Palantir has a completely different front-end user experience (UX) than my time at Palantir, that I saw for the first time on Demo Day. I find it practical, beautiful, and efficient.
+
+The design language is called Blueprint Javascript, and it’s built on React, a modern web development platform that Facebook built. Big ups to Palantir for open sourcing BlueprintJS, meaning that anyone can use it: [https://blueprintjs.com/](https://blueprintjs.com/)
+
+Blueprint is a UI toolkit for web development of complex data-dense interfaces for desktop applications. Compared to the cartoonish UX of Salesforce’s Lightning, the flat UX of Google, and the rigid UX of Microsoft Office, I would much prefer to work in Blueprint all day.
+
+I struggle with how spread out Lightning is by default and really appreciated how dense the Blueprint inerfaces are without feeling crowded. Getting that balance right is really difficult.
+
+**Deep Investment in Deployability**: Administrative tools are the unloved stepchild of enterprise software. No-one buys the backend system, so minimal investments are typically made to build the backend tools to run the software.
+
+Salesforce still hasn’t ported their admin tools from their clunky Web 1.0 Salesforce Classic to their more modern Lightning design system. Google’s back end admin tools suck compared to their client facing tools - Gmail, Calendar, AdWords, etc.
+
+The admin tools that Palantir demoed appeared far better than what I use every day to run my Salesforce instance. I bet I could do most tasks in Foundry 40-75% faster than Salesforce.
+
+**Migration from ‘*****Find the Terrorist*****’ to '*****Cheat Code for War*****':** When I was at Palantir, the primary use case for Gotham was link analysis to find the bad guy. Gotham has clearly evolved from that mission to a far broader set of missions.
+
+Another Redditor described Gotham as ‘cheat code for war,’ and I think that is spot on. That’s why Palantir has won so many different logistics, mission planning, command and control, etc. military contracts recently, including the Space Force
+
+**DoD IL-6 SaaS Approval:** Palantir moving to IL-6 approval could be an entire massive DD on its own, but I’ll keep it short. It’s a big fucking deal to get Apollo running on classified networks, and Palantir is far ahead of the other big SaaS players in this approval:
+
+https://preview.redd.it/hl1j7wwkjph61.jpg?width=1314&format=pjpg&auto=webp&s=d4dc190a30dc75e8d66bcd6c8ab74cb42472137d
+
+Now that I have fanboied on Demo Day I want to be critical of the presentation style of Demo Day. I’d give the presenters a C+ at best. I found it rushed, confusing, and difficult to follow. I had to watch it twice to fully absorb the content, and I’ve given 500+ Palantir demos in my lifetime! My constructive criticism:
+
+* Slow down 15-20%
+* Err on the side of a simpler, more approachable lexicon
+* For the love of God, stop reading from scripts. Use bullet points
+* Handoffs were way to abrupt. Take a deep breath between presenters for us to get prepared for a new topic
+* Get better microphones and Snowsound panels for future presentations
+* Get a professional public speaking coach involved in rehearsals
+
+I’m not alone in my take on Demo Day. Here are a few unprompted DMs I got from random Redditors on the presentation:
+
+>*· I don't know if it is just me, but I genuinely felt like I was watching a haphazard presentation that didn't really do justice nor capture attention in a lucrative way*  
+>  
+>*· It lacked charisma and charm, and it felt cobbled together like a group project by university students*  
+>  
+>*· I was watching the demo day presentation, and left feeling underwhelmed. It may have been impressive to someone who is in the industry, but from someone outside of it, it all sounded greek to me.*  
+>  
+>*· I felt like the Gotham team was clearly the A team and Foundry needs better presentation skills.*
+
+I know my last PLTR DD made the rounds at Palantir, so here’s a direct message to those behind Demo Day - if everyone told you that you ‘*killed it*,’ you \*really\* need to find someone in the organization willing to speak truth to power.
+
+\_\_\_\_\_
+
+**#2) Why Palantir is a Diamond Fisted Iron Man Suit**
+
+One of the Demo Day presenters made an interesting comment that stuck with me: At Palantir, we build Iron Man suits, not robots.
+
+No, Palantir does not have a skunk works program building flying mech suits (AFAIK).
+
+Palantir builds *cerebral* cyborgs, not *physical* cyborgs. Palantir’s products create a symbiotic relationship between human beings and computers to better solve *cerebral* tasks, not *physical* tasks.
+
+​
+
+[Iron Man. Cerebral Edition.](https://preview.redd.it/77xps5ipjph61.jpg?width=1000&format=pjpg&auto=webp&s=eb3acbee813e27ca69f7b94c9158fba44c6e142a)
+
+If you have not watched Demo Day yet (or you rewatch it), listen for how many times they say the words ‘decision’ and ‘decision makers.’
+
+Why a **diamond fisted** Iron Man suit? Palantir just closed an enterprise deal with Rio Tinto, who is the 3rd largest diamond producer in the world. So Rio Tinto will be using their PLTR-powered Iron Man suits to dig for fistfuls of diamonds on multiple continents.
+
+**\_\_\_\_\_\_**
+
+**#3) The True ROI of Palantir**
+
+Palantir is really expensive. No question about it.
+
+But you know what’s more expensive than Palantir? Bad Decisions. Being wrong is really, really expensive. See the Airbus 380, Microsoft’s market share of cell phones, the Golden State Warriors drafting Todd Fuller over Kobe Bryant, shorting GME in early January, and BMW/Mercedes/Lexus’s dismissal of TSLA.
+
+The true ROI of Palantir is substantially better decision making across your organization. Even a moderate improvement in decision making creates deep fucking value for an organization.
+
+For example, Airbus claims that Foundry helped them improved the speed of A350 production by 33%. There are 5 million discrete parts in an A350, and the Foundry-powered decisions led to a 33% improvement in production. Palantir doesn’t make that claim. Airbus makes that claim. That’s absolutely bonkers and that’s why this is no surprise:
+
+​
+
+https://preview.redd.it/ns8wcvvsjph61.jpg?width=675&format=pjpg&auto=webp&s=6fb13831b6f18b58f53fa5131f6543e950e8569f
+
+The BP renewal and the new deals (PG&E, Rio Tinto, Fiat, etc) prove u/petroduct is right. If you have complex logistics, you should have Foundry.
+
+Say that Palantir improves the quality of decisions made at United Airlines by 6.9%. How much will the UAL stock appreciate over the next decade? If Palantir helps Rio Tinto improve decision making by 4.20%, how much will their bottom line grow by 2025?
+
+Below are a few excerpts from United's Director of Technical Operations on how they use Foundry. This is just scratching the surface of how an airline can use Palantir to improve operations; however, if each of these models/decisions are incrementally improved, even a little bit, the value to United is fucking deep.
+
+The entire blog post is a great read if you want to go deeper on Foundry: [https://www.linkedin.com/pulse/how-data-science-optimizing-united-airlines-pandemic-tom-romanowski/](https://www.linkedin.com/pulse/how-data-science-optimizing-united-airlines-pandemic-tom-romanowski/)
+
+>*\[minor edits for brevity\]*  
+>  
+>*The return-to-service model recommends which specific aircraft to return at which time in the future and how to utilize our available maintenance capacity (internal & external) to ensure they’re airworthy when we need them. Since we don’t know when air travel demand will recover, the models need to account for slow recoveries, fast recoveries, and everything in between.*  
+>  
+>*Our optimization models consider when “big events” (airframe checks, engine overhauls, and landing gear overhauls) will be due, along with the cost of those events and the available maintenance capacity to complete them. The models also incorporate other factors: parts availability and cost, available technician hours at each maintenance station, ability to secure supplemental maintenance lines at external MRO providers, aircraft-specific mechanical reliability and on-time performance, and even the quality of the in-flight products (seats, Wi-Fi, entertainment, power outlets).*  
+>  
+>*The team is also helping optimize the cycling of active and parked aircraft whenever we have surplus planes available to fly, which ensures regulatory compliance with the maintenance program, minimizes operating costs, and enables our Tech Ops team to be very intentional about balancing our operational objectives – do we want to fly the most reliable aircraft, the lowest cost aircraft, or the aircraft with the most time left until its next major maintenance event?*
+
+​
+
+\_\_\_\_\_\_
+
+**#4) Muthafuckin’ Clouds in Nuclear Submarines**
+
+Toward the end of the Apollo demo, one of the presenters offhandedly mentioned something that caused my jaw to hit the floor: Palantir will be deploying Apollo on US Navy submarines.
+
+IL-6. Clouds. In. Nuclear. Submarines.
+
+As someone who has installed and managed Palantir servers in server rooms all over the world, I can’t state how huge it is that the US Navy is approving the Apollo modular cloud architecture to be deployed on some of their most sensitive and expensive assets.
+
+The fact that upgrades to the entire fleet can be managed like upgrading an AWS server?
+
+​
+
+https://preview.redd.it/mvmtqwdvjph61.jpg?width=400&format=pjpg&auto=webp&s=ef22d9c598c63b3bd4e488b8439bc4082ff9f5ba
+
+\_\_\_\_\_
+
+**#5) Does it Matter that Palantir Needs FDEs at Deployments?**
+
+One of the favorite arguments of the Palantir bears is that Palantir is an unscalable, overvalued services company that should have the same P/E as Accenture, Booz, BAE, etc. The bears say that Palantir only has a handful of clients and can’t scale. In my mind, the quality of the admin tools show on Demo Day and the IBM partnership announcement eviscerated that argument.
+
+When I was at Palantir, it was a bitch to build and manage deployments. From what I saw on Demo Day, Palantir is now easier than Salesforce to deploy. I say that as someone who has written tens of thousands of lines of code for Salesforce (Lightning, Apex, SOQL and Visualforce).
+
+Eventually, Palantir will have the same ecosphere of 3rd party developers that deploy and manage instances of SAP, Salesforce, Microsoft, etc. but that will take years to fully mature that ecosphere. Eventually, Palantir will have robust certifications for various skills and tasks to manage Palantir deployments.
+
+But in the meantime, Palantir's Forward Deployed Engineers (FDEs) will continue to directly manage deployments. Given how much progress Palantir has made on the tools to improve the efficiency of the FDEs, I no longer worry about the scalability of that team.
+
+Say that three utility companies all buy Palantir – PG&E, ConEd, and Entergy.  Palantir invests 4 years worth of FDE time in PG&E, 1 year in ConEd, and none in Entergy.
+
+* PG&E improves decision making by 10% and does a massive enterprise deal with Palantir to deploy to every part of the organization.
+* ConEd improves decision making by 2% and does a moderate renewal for a few specific teams.
+* Entergy bungles their deployment and actually makes worse decision as a result. They do not renew.
+
+Assuming \~$500k/year all in is the cost for a good FDE at Palantir, we're talking about small up front investments that return bigly for PLTR in the long run as those deployments are extended like the BP deal.
+
+To put it another way, when you think about Palantir deployments in months or years, the FDE overhead is spooky. But when you think about those deployments converting into decade long *operating system for XXXXXX* deals, the FDE overhead is not significant.
+
+Also, to be honest, there are very few people with TS/SCI security clearances that even know what React is, much less how to write code against it, so in some of the more sensitive use cases for Palantir, I think that FDEs will be the way for a long time.
+
+\_\_\_\_\_\_
+
+**#6) Should you YOLO on PLTR?**
+
+I’m not going to give anyone financial advice, but I do want to point out a few things:
+
+PLTR is not a meme stock. Palantir is not a small-cap that can move bigly because, a bunch of furry quadrupeds gathering on internet messaging boards collectively decide that we like the stock.
+
+Palantir is a bunch of wickedly smart people building Iron Man suits for the largest, most important organizations in the world.
+
+Many of the larger institutional investors still don’t truly comprehend Palantir and the medium term public valuation may not properly reflect the present and future value created by Palantir. I have no idea when the analysts will finally get the value of PLTR.
+
+A lot of historically successful investors think PLTR is extremely overvalued. They may be right.
+
+A lot of historically successful investors have massive positions long PLTR. CathThey may be right.
+
+So my crystal ball says PLTR may go up, down, or sideways for longer than you can stay solvent or interested in Karp memes.
+
+Regardless of the ticker, if you YOLO, please YOLO responsibly my friends, and for the love of god take some off the table if/when you’re fortunate enough to have green dildoes in your accounts– whether your gains are from PLTR or any other stock you happen to like, a lot.
+
+\_\_\_\_\_\_\_
+
+**#7) My Appreciation for the Palantir Team**
+
+I do want to take a moment and say to anyone who has been a part of building Palantir over the last few decades: what you have built is incredible. Thank you. As an American, thank you. As a stockholder, thank you.
+
+Enjoy your tendies, you’ve earned them my friends.
+
+\_\_\_\_\_\_\_\_
+
+**#8) How I Play My Lockup**
+
+Regardless of how the markets view the earnings report tomorrow, I’m largely HODLing my remaining Palantir shares, as I think Palantir is in a class of it’s own, lapping the competition like SpaceX and Tesla.
+
+I do have a professional advisor and we have prepared tax-optimized divestment strategies for a number of scenarios, but none of those scenarios involve paper handing out of my remaining position, regardless of a good, bad, or ugly response to the 2020 earnings report tomorrow.
+
+Why would I sell now if I believe that FAANG-like is growth coming over the next 10 years? Why would I sell when I think Palantir in 2021 is like Mercedes F1 in 2014 about to go on a worldwide domination over the next few years? Also, with the shares finally unlocked, I can borrow against them for the first time.
+
+I've already responsibly taken enough off the table pre-IPO, so I’m not in any rush to sell. My first substantial limit order will be at a market cap of \~$100B with a ladder up to \~$250B. So I’m skeptical that I’ll sell any more than 5% of my remaining shares this week.
+
+That’s my $0.02 on Demo Day and some of the recent news.
+
+So long, and thanks for all the tendies. See ya at the restaurant at the end of the universe PLTR gang!
+
+# 💎🙌💎
+
+# 🚀🚀🚀
+30 years same company. I’ve looked at the numbers about 500 times. Everything seems A OK on paper. I don’t like my daily work, my boss or the weekly air travel. I’ve been staying for the pay check. Today is the day I make the call. And ahhhhhh verve wracking. 
+[https://www.bbc.co.uk/news/newsbeat-54538949](https://www.bbc.co.uk/news/newsbeat-54538949)
+
+My first thought - put a bloody jumper on!!
+
+The rest of the tips are fairly mundane tbh
+I’ve held $PFE for less than a year. It seems to be vaccine with the most positive rating behind it (compared to JnJ and Astrozeneca). It’s likely that people are going to have to get a 3rd vaccine dose and possibly an annual dose, but will that keep the stock price and dividend payout steady for years to come? Or it’s not worth holding for the next 10-20 years. What do you guys think?
+I’m curious to know everybody’s thoughts on ETO. I have about 8% of my portfolio in it and it has dropped like most anything else. I drip the monthly dividends and am thinking of putting a bunch more money in over the next few months. The current yield is close to 10%.
+
+I am late to the investing game and with two young kids don’t really have the time to fully dig in. 
+
+I see most people are big on SCHD and would be interested to know the major differences between the two. 
+
+Appreciate any thoughts!
+As the title says. I don’t have much to spare. I am in my early twenties and I am trying to think about a way to earn some passive income. Should I invest in dividends? I have been looking here and there, but from what I saw is it’s impossible to make money from Dividends with low budgets (200-300 dollars / month). To see some changes. Like to make between 5-10k per year from dividends. Requires a lot of money. I think that’s the best place on the internet to ask my question. Thank you in advance.
+This relatively new fund claims that it is ["Designed to provide current income while maintaining prospects for capital appreciation."](https://am.jpmorgan.com/us/en/asset-management/adv/products/jpmorgan-equity-premium-income-etf-46641q332) It yields around 8%, and its paid monthly. Does this etf fall victim to bear markets? Does anyone know some information about its top holdings? From the website its seems well diversified among many different sectors. Being an fund it ''should'' have a better risk to return.
+Can anyone advise on Berkshire Hathaway? I know they don’t do dividends, but I wanted some advise on whether it would be a good buy for a 33yr old young investor.
+Zen continues to make advances on using graphene for human treatments of antibiotic resistant bacteria...99.9% effective against viruses, bacteria, and fungi.  A great Canadian company with groundbreaking innovation.
+
+[https://investorintel.com/markets/technology-metals/technology-metals-news/zen-graphene-solutions-announces-successful-testing-of-its-graphene-compound-against-antimicrobial-resistant-bacteria/](https://investorintel.com/markets/technology-metals/technology-metals-news/zen-graphene-solutions-announces-successful-testing-of-its-graphene-compound-against-antimicrobial-resistant-bacteria/)
+
+​
+
+# ZEN Graphene Solutions Announces Successful Testing of Its Graphene Compound Against Antimicrobial-Resistant Bacteria
+
+📷  [InvestorIntel](https://investorintel.com/author/admin/) |         March 17, 2021 |         [No Comments](https://investorintel.com/markets/technology-metals/technology-metals-news/zen-graphene-solutions-announces-successful-testing-of-its-graphene-compound-against-antimicrobial-resistant-bacteria/#respond)
+
+March 17, 2021 ([Source](https://www.accesswire.com/636045/ZEN-Graphene-Solutions-Announces-Successful-Testing-of-Its-Graphene-Compound-Against-Antimicrobial-Resistant-Bacteria)) — **ZEN Graphene Solutions Ltd.** (“**ZEN**” or the “**Company**“)  (TSXV:ZEN) and  (OTCPINK:ZENYF), a next-gen nanomaterials technology  company, is pleased to announce successful testing results of its  patent-pending graphene-based compound against four gram-positive and  nine gram-negative bacteria with antimicrobial-resistance (AMR),  including multidrug-resistant variants like methicillin-resistant  staphylococcus aureus (MRSA). Testing was completed under the direction  of Dr. Tony Mazzulli, MD, FRCPC, FACP, Microbiologist-in-Chief and  Infectious Disease Specialist at University Health Network/Mount Sinai  Hospital, following initial breakthrough results demonstrating that the  compound is 99.9% effective against viruses, bacteria, and fungi. With  the goal of targeting pathogens in humans, the results are even more  significant considering the extremely low minimum inhibitory  concentration (MIC) and the excellent safety profile established during  Nucro-Technics’ seven-day repeated dose study reported in early March.
+
+**Dr. Mazzulli, MD, commented:** “The test results indicate that  ZEN’s Graphene Compound (GC) at very low concentrations is capable of  inhibiting a variety of gram-positive and gram-negative  antimicrobial-resistant (AMR) aerobic bacteria. These pathogens are  associated with a number of difficult-to-treat clinical infections  including those involving the respiratory tract, urinary tract, skin and  soft tissues, and bacteremia. Based on a previous evaluation of this GC  against fully susceptible organisms (i.e., *E. coli, S. aureus, Streptococcus pneumoniae*), the MICs for the AMR strains were comparable, or only a single dilution higher.”
+
+“The relatively low concentrations of this GC required to achieve an  antimicrobial effect is also promising. Although one cannot directly  compare the MICs of different compounds to determine their relative  efficacy, the extremely low concentrations that show an effect are well  below the concentration required of commonly used antibiotics to show a  similar effect. These GC concentrations are also in keeping with levels  that were shown to have an antiviral effect.”
+
+“A novel approach to the use of this GC for treatment of common  respiratory tract infections, while minimizing any potential toxicity,  is to use it topically. This could have multiple applications, including  the following: as an intranasal spray or mixed with normal saline to  create a solution for use as a sinus rinse for the treatment of  sinusitis and other common upper respiratory tract infections; as a  puffer or inhaler for the treatment of lower respiratory tract  infections such as pneumonia; or, as an ophthalmic solution for the  treatment of conjunctivitis or pre-op preparation for ophthalmic  surgery. Given its activity against *Pseudomonas aeruginosa* and *S. aureus*, it may also play a role as a topical otic solution for the treatment of *Otitis Externa* infections,  commonly caused by these organisms. This would maximize local  concentrations directly at the site of infection and avoid having to  administer it systemically (orally or parenterally).”
+
+**Greg Fenton, ZEN CEO, commented:** “The World Health  Organization (WHO) lists AMR as a top 10 global public health threat  facing humanity, largely due to the misuse and overuse of  antimicrobials. With significant human impact and additional global  healthcare expenditures expected to reach US$1.2 trillion annually by  2050 due to AMR, it is clear why the WHO, numerous AMR-focused  organizations, and some of the world’s largest and most innovative  companies are allocating substantial resources to this cause. To address  this global threat, we believe novel, broad-spectrum and antimicrobial  agents are needed, and we are demonstrating that nanotechnology and our  graphene-based compound can potentially play a key role.”
+
+“ZEN is excited to be developing a graphene-based solution that has  the potential to safely treat more common human-contracted pathogens,  and also play a key role in the fight against this growing global health  threat. Further, the potential use of this novel treatment to combat  AMR can reduce antibiotic usage globally, reducing negative impacts on  the environment and slowing the development of new resistant pathogens.”
+
+“Due  to the importance of this development in addressing AMR, the SARS‑CoV‑2  virus and its variants, we will continue discussions with various  groups and look forward to partnering with new organizations to bring a  potential game-changing therapeutic to market as quickly as possible.”
+
+**Highlights**
+
+​
+
+* Graphene Compound is 99.9% effective against all four gram-positive,  and nine gram-negative aerobic antimicrobial-resistant bacteria tested  so far, including both types of MRSA
+* Extremely low MIC, below 1 µg/ml for all of the AMR bacteria tested
+* ZEN has filed patents on multiple uses of this graphene compound, building on previous filings
+* ZEN is consulting with multiple groups and regulatory agencies on  how to fast track this technology given its potential to help address  AMR and the SARS-CoV-2 virus and its variants
+* Based on the safety demonstrated during Nucro-Technics’ seven-day  repeat dose cytotoxicity results, the company is now considering various  Good Laboratory Practice (GLP) studies to demonstrate safety based on a  potential therapeutic use
+
+**Antimicrobial Resistance**
+
+AMR continues to rise in the population resulting in limited options  for the treatment of many infectious diseases. In fact, AMR is a global  threat that kills approximately 700,000 people each year, and the WHO  estimates that by the year 2050, the leading cause of death will be  infection due to multi-drug resistant bacteria.
+
+Many factors are driving AMR, including the overuse and misuse of  antibiotics. Of the many approaches to deal with AMR is developing novel  compounds with unique mechanisms of action capable of overcoming  current resistance mechanisms. Graphene Oxide is a compound with an  inherent antimicrobial activity, and when combined with other  antimicrobial nanoparticles as ZEN’s current patent pending GC, ZEN and  Dr. Mazzulli are demonstrating that a powerful synergistic effect can be  achieved that dramatically enhances its efficacy at extremely low MICs.
+
+Several funding agencies have been established to help fund promising  AMR research. Based on the potency and safety profile of our compound  against AMR bacteria, ZEN has begun discussions with these and other  entities regarding the development of this promising therapeutic.
+My goal is to FIRE in hopefully ~10 years. My mortgage is ~$3200 with a 5% interest loan ($2350 principal and $850 tax) and is still close to 30 years.
+
+I know normally it makes financial sense to avoid paying off your home early. I'm curious in the case of retirement though. If I were to FIRE today with my house paid off my expenses each month would be 2.3k lower and so would my "income". With a lower income I may qualify for cheaper insurance and potentially other government benefits.
+
+Any good tools to help figure this stuff out? If it makes sense to pay it off early then that's something i'd want to start doing now since my goal is 10 years. I have *no* idea if it actually makes sense though or where to begin with figuring it out. Any advice?
+https://preview.redd.it/vli0ofqwf6w71.jpg?width=3840&format=pjpg&auto=webp&s=2a704c47375637858c27216379ae8313dadf8be8
+
+This could be a long read. Kindly bear with me.
+
+I write this primarily in response to the [TechSpot article](https://www.techspot.com/news/91937-bitcoin-largely-controlled-small-group-investors-miners-study.html) from yesterday (r/technology mods told me they only allow “*mainstream news articles with* *editorial oversight and fact-checking*” so I'm sharing this here).
+
+But I’d also like to take this opportunity to write about Bitcoin more broadly as someone who has been following it for more than a decade and I’ll try to do so without complicating the conversation for anyone unfamiliar with Bitcoin.
+
+The TechSpot article cites a non-peer-reviewed National Bureau of Economic Research (NBER) [working paper](https://www.nber.org/papers/w29396) from Igor Makarov and Antoinette Schoar.
+
+NBER claims to be non-partisan but it is a private NPO funded by the likes of [Bill Gates foundation](https://www.gatesfoundation.org/about/committed-grants/2019/11/inv003527).
+
+The chairman of NBER, Karen Horn, is a former president of the Federal Reserve Bank of Cleveland and Head of International Private Banking for Bankers Trust.
+
+The authors of this working paper, Igor Makarov and Antoinette Schoar are no experts in Bitcoin.
+
+Makarov is employed by Financial Markets Group (FMG), which focuses on policy research into financial markets and works alongside [banks and regulators in Europe](https://www.ecb.europa.eu/paym/digital_euro/html/index.en.html).
+
+Schoar is a professor at the MIT Sloan School of Management and co-chair of NBER Corporate Finance group, who has [previously made it clear ](https://bcf.princeton.edu/events/antoinette-schoar/)that she is no fan of Bitcoin with some pretty misguided takes on it.
+
+It’s critical to note that the data regarding miners cited in this study is from when mining was largely concentrated in China. This is [no longer the case](https://cbeci.org/mining_map).
+
+The paper claims the authors have “the ability to trace miners on the blockchain.” The tracking method shown in the paper is based on subjective, unverified “algorithm to track the distribution of mining rewards from the largest 20 mining pools to the miners that work for them.”
+
+The validity of this conjectural method of tracking was also subjectively verified before all mining operations migrated out of China to many different parts of the world.
+
+​
+
+# Bitcoin distribution is not highly concentrated
+
+The first thing we need to acknowledge with Bitcoin is that it is still very much a nascent monetary system. It has come a long way in a short space of time but it’s only been around 13 years and only 3% of the world’s population currently use Bitcoin.
+
+It took the Internet 25 years to get to that point. So while adoption is certainly happening a lot quicker, we still have 97% of the world’s population to bring on board. Unlike the banking system, which has ostracized nearly half of the world’s adult population, Bitcoin can actually work for every person in the world, no matter who they are or where they come from.
+
+The top wallet addresses [here](https://bitinfocharts.com/top-100-richest-bitcoin-addresses.html) do not belong to individuals. Almost all active addresses holding greater than 10 basis points of the total supply (greater than 0.1%) are addresses belonging to exchanges and custodial services holding custody of Bitcoin that belong to millions of individual users. Not all exchange addresses have been tagged by bitinfocharts. For instance, the third largest address, looking at activity and transaction patterns, [very likely belongs to Coinbase](https://bitinfocharts.com/bitcoin/block/707013/1P5ZEDWTKTFGxQjZphgWPQUpe554WKDfHQ).
+
+Now **you’re not supposed to be holding your Bitcoin in exchanges** as that defeats the whole point of Bitcoin, besides enabling rehypothecation, which can artificially inflate the supply, and other security risks, but a lot of people do since they’re new to Bitcoin, unfamiliar with the concept of self-custody, and inadequately appreciate the purpose and potential of Bitcoin. There are ongoing educational efforts to encourage people to take ownership of their Bitcoin.
+
+**Not your keys. Not your sats.**
+
+The wealth distribution is admittedly far from where it needs to be, but it’s heading in the right direction. As more and more users adopt Bitcoin, the Gini index improves markedly. The game theory embedded into the protocol ensures that it does over time. The article from TechSpot claims that 10,000 individuals control a third of the supply. This, even if we assume to be accurate at face value, is a vastly improved figure from only 2 years ago, when [less than 5000 wallets](https://imgur.com/aNP9Ew6) were estimated to own half the supply.
+
+On-chain analytics firm, Glassnode, [published](https://insights.glassnode.com/bitcoin-supply-distribution/) a finding earlier this year that ownership of Bitcoin is not highly concentrated and it naturally disperses over time. I’ll explain a little later in this article why that is the case.
+
+​
+
+# Beyond the cryptocurrency
+
+Let’s try to first understand Bitcoin beyond the cryptocurrency, as a software protocol and what it represents for humanity. Sure, price speculation is fun but for me, it’s the least interesting aspect of Bitcoin.
+
+Bitcoin is open-source software collectively hosted by a pure P2P permissionless network of ∼ 60,000 nodes distributed across the world — by far the largest pure P2P network ever. Anyone in the world can propose changes to this software no matter who you are. There’s no central server or hierarchical structure to this network. You don’t need anyone’s permission to access the network. We don’t need to know who Satoshi was to trust the system because the code is open for every single human being in the world to read and scrutinize. Satoshi was simply the first, founding contributor to this open software.
+
+This is such a revolutionary egalitarian concept so far removed from all the corruption and iniquities that inhere within our extant hierarchical technology and monetary systems that a lot of people understandably find it difficult to grasp but this could fundamentally fix the world and make money and technology at large work for everyone without privileges.
+
+There’s a common misunderstanding that Bitcoin has great value because it was the first digital currency. This is untrue. There were several prior attempts — B-money, Bit gold and Hashcash the most prominent among them. Satoshi’s proof-of-work (PoW) algorithm solved a critical flaw in the use of blockchain as a public ledger known as [the Byzantine Generals Problem](https://river.com/learn/what-is-the-byzantine-generals-problem/) (BGP).
+
+Solving for BGP meant that we could have an open ledger network without a central server or middlemen where nobody had to trust anybody else for the system to work. Every node within the Bitcoin network is a server with a live copy of the ledger and each node is able to verify the authenticity of its copy of the ledger without having to trust any of the other nodes.
+
+The concept of blockchain predates Bitcoin by almost two decades. So the value was never in blockchain but the way Bitcoin was able to utilize blockchain as a trustless, permissionless, decentralized public ledger to democratically create, distribute and exchange value.
+
+On the face of it, it’s easy to mischaracterize Bitcoin as some kind of an investment scheme. It is absolutely not that ([The Newcoiner Dilemma](https://preview.redd.it/kngn40wr20d71.jpg?width=1080&format=pjpg&auto=webp&s=d3b134c484734a2b004220711e06767ce4d9aebe)). Who is to benefit from an investment scheme where nobody is in charge?
+
+Bitcoin is a complete revamp of our monetary system to make it work for everyone and more broadly, as a software protocol, Bitcoin has the potential to fix the Internet’s original sin — centralization at the hands of few privileged gatekeepers — and restore it to its originally intended form as a [decentralized P2P network protocol](https://preview.redd.it/5rc5zsks00d71.png?width=880&format=png&auto=webp&s=758cbf3af64ea5a1a1d4edcfe7235a9db9231c5c).
+
+A network protocol is only decentralized if any participant within the network is able to access and verify the truth (the state of the ledger) on their own in a very economical manner without requiring permission or trust. We’ve seen many predatory knock-offs since Bitcoin, which are little more than snake-oil marketing gimmicks with fundamentally flawed protocol designs and centralized node architectures. Cynical rent-seeking and exploitation just comes with the territory for any revolutionary technology.
+
+Permissioned, quasi-permissioned, DINO (decentralized in name only) blockchains are a waste of time. Blockchains are comparatively inefficient databases unless truly decentralized. What makes them special is the ability to individually host, validate and audit the ledger.
+
+Throughout Bitcoin’s history, Bitcoiners have staunchly defended the right of users of the network not to be priced out of running their own node, [most famously 4 years ago](https://www.amazon.com/Blocksize-War-controls-Bitcoins-protocol/dp/B08YQMC2WM) when **Bitcoin users stood firm in the face of pressure from miners and corporate interests to prove that it was the users who truly controlled Bitcoin, not miners and not wealthy investors**.
+
+Anyone can host their own [Bitcoin full node on a Raspberry Pi](https://preview.redd.it/1ohgb7ol00d71.png?width=829&format=png&auto=webp&s=be47cad6110b6147c8d55410b23bca8205cff9ec). This allows them to be an equal rights citizen within the network without delegating trust to a third party. If you cannot self-host a node on your own, you’re going from trusting bankers to trusting a random person on the internet. That doesn’t seem so revolutionary, does it?
+
+​
+
+# How does such a network scale?
+
+Let’s take the Internet as an example. The IP suite is a software protocol like Bitcoin. It originally had a monolithic design until we figured out that it could not scale without [layered architecture](https://www.dcs.bbk.ac.uk/~ptw/teaching/IWT/transport-layer/tcp-ip-layers.jpg). Bitcoin has undertaken a similar multi-layered approach to scaling in recent years.
+
+Bitcoin’s base layer is the network layer protocol and the monetary settlement layer. Priorities for this layer are maximizing security and trust-minimization. Built on top of this is a payments layer called Lightning Network.
+
+Lightning Network is a decentralized layer-2 network protocol that uses a native smart contract scripting language to enable instant, almost feeless, global [Bitcoin payments](https://imgur.com/2zUCL2b).
+
+In Lightning Network, parties to a transaction are required only to have a sufficiently funded open channel active in the network. This is done through a single on-chain transaction.
+
+If there is a direct channel open between the parties, the transaction is routed directly and incurs [no fee](https://preview.redd.it/esqddcdq10d71.png?width=600&format=png&auto=webp&s=95c4cb49f6d3405594ee84a16c693b558daa0b18). Without a direct channel, the transaction is routed through routing nodes, incurring a small fee, typically no more than a few sats (fraction of a cent), paid to routing nodes hosted by users of the network.
+
+You can find a live node map for Lightning Network [here](https://explorer.acinq.co/). It’s pretty remarkable how far Lightning Network has come in only 3 years.
+
+With Lightning Network’s maturation as an infinitely scalable decentralized global payments network, Bitcoin is shifting focus to its next big milestone, Taproot, which is due to go live in mid-November at block height 709632.
+
+Taproot brings [a set of protocols](https://bitcoinops.org/en/preparing-for-taproot/) that enhance Bitcoin’s privacy, scalability and unlocks the path for seamless integration of application protocols on top of Bitcoin while also ensuring that users are still able to economically run their own Bitcoin full node.
+
+​
+
+# Game Theory of Bitcoin
+
+Cypherpunks were pursuing the concept of Bitcoin, a decentralized P2P monetary system, for two decades. Satoshi completed the final, most important, piece of the jigsaw — solving the Byzantine Generals Problem to prevent double-spend.
+
+In doing so, Satoshi sought to address two fundamental flaws with fiat money,
+
+1- Centralized, focused issuance and control of money supply and monetary policy
+
+2- Trivial cost of issuance
+
+While issuance entails no cost, the money remains at the mercy of the basest of human qualities, self-seeking greed. All corruptive tendencies of fiat money are a direct consequence of the trivial cost to issue infinite money.
+
+Satoshi’s proof-of-work algorithm solved for these two flaws by implementing [an ingenious cost of issuance algorithm](https://imgur.com/eFwM54J) that keeps every actor honest and forever scales in proportion to Bitcoin’s value as a monetary network —the higher Bitcoin's value, the higher the cost of issuance.
+
+Proof-of-work requires those who acquire the new supply of coins (miners) to continually input real-world work for their rewards and cover recurring operational costs. The work ensures that those who receive the new supply of money cannot keep hoarding it for themselves. Miners are forced by the game theory embedded into the protocol to redistribute Bitcoin into the market.
+
+Any monetary system [where the creation of money entails no work and cost](https://www.amazon.com/Ethics-Money-Production-Guido-H%C3%BClsmann/dp/1933550090) would be [fiat 2.0](https://imgur.com/g2MVTAy) all over again, a system where wealth equals power, where [the rich forever get richer and the poor get poorer](https://www.nbcnews.com/news/world/world-s-richest-become-wealthier-during-covid-pandemic-inequality-grows-n1255506).
+
+In proof-of-work, wealth != power
+
+Miners input work and recurring costs to find blocks and receive compensation for their work but the blocks are validated by full node users, not miners. Full nodes enforce the rules — accept or reject blocks found by miners — and hold the power to keep miners honest. Every full node user has one vote. Proof-of-work admits of no corruption or privileges.
+
+A large portion of the world’s population is affected by either hyperinflation and/or lack of banking services (c. 4 billion people). Bitcoin allows them to connect to an open, permissionless network to generate, store and exchange value where nobody can stop them. The combination of proof-of-work and economical self-hosted nodes distributed all across the world is what ensures Bitcoin's antifragility, securing the network from [state attacks](https://www.benzinga.com/markets/cryptocurrency/21/10/23221016/edward-snowden-china-banning-bitcoin-just-made-it-stronger).
+
+​
+
+# Bitcoin, a global leader in clean energy innovation
+
+20 years ago, [the Internet was boiling the oceans](https://www.forbes.com/forbes/1999/0531/6311070a.html?sh=54f838642580). Today, it’s Bitcoin. In 20 years, the next emerging technology. Energy, in manifold forms, has always been fundamental to human interaction and its impact, an ineluctable consequence of human evolution.
+
+Bitcoin is at once the most fundamentally important technological and monetary evolution for humanity. For the first time in human history, every human on earth can become financially sovereign, set free from the whims of other humans.
+
+Bitcoin is a huge net positive for humanity and [a global leader in renewable energy innovation](https://www.nasdaq.com/articles/how-large-scale-bitcoin-mining-is-driving-clean-energy-innovation-2021-01-06). The renewable energy share of the Bitcoin network is over 4 times that of the average grid. In 2020, renewable energy sources accounted for only about 12% of total U.S. energy consumption. [58% of global Bitcoin mining operations](https://imgur.com/98f7mSM) are powered by renewables.
+
+According to the Energy Information Administration (EIA), 66% of the primary energy used to create electricity is wasted by the time the electricity arrives at the customer meter. Bitcoin is able to [harness stranded/wasted energy](https://www.bloomberg.com/news/videos/2021-07-01/bitcoin-mining-with-stranded-energy-video), while also mitigating the climate effects of other industries [by capturing flared gas](https://markets.businessinsider.com/news/currencies/bitcoin-mining-flare-gas-btc-energy-crusoe-energy-coinbase-winklevoss-2021-6) that would otherwise be vented into the atmosphere contributing to climate change. Other industries find the cost of transporting energy prohibitive.
+
+We progress as a civilization, from Type 0 to Type 1, using more energy, not less. Bitcoin is critical to unlocking humanity's energy potential as it directly incentivizes R&D in sustainable energy—by subsidizing broader transition to renewables, tapping remote/stranded energy resources, mitigating CH4 emissions from O&G, stabilizing grids and accelerating humanity towards securing a clean, energy abundant future.
+
+​
+
+# The quest for perfect money
+
+What's money? Anything that’s accepted as representing value by the parties to any transaction. It’s really that simple. Three thousand years ago, cowrie shells were used to represent value. We’ve had [various forms of money](https://www.pbs.org/wgbh/nova/article/history-money/) since but the quest remains the same. Humans have always sought money that can hold value over time until it was required to purchase other things that hold value to them — goods and services.
+
+If we look at money from this perspective, we could argue that money is technology but until now, we never had the technology to come up with a money that was able to fulfill all three functions of money — store of value (SoV), medium of exchange (MoE) and unit of account (UoA).
+
+Bitcoin is at once a good SoV (scarce and incorruptible), a good MoE (the payments layer — Lightning Network), and a good UoA (infinite divisibility and instant portability across the world).
+
+I view Bitcoin to be the culmination of humanity’s 7000-year technological quest to perfect the representation of value by truly democratizing its creation, distribution and exchange. Never before have we had a money with all the necessary properties of sound money. All previous forms of money had compromises.
+
+Scarce money has always been sound money but previous iterations of scarce money lacked the [other properties](https://preview.redd.it/t1azmamjn0u71.jpg?width=1280&format=pjpg&auto=webp&s=eeb96dbc2eb0e78bfaaca45fb2da5b10305848f1) required to be viable as MoE and UoA — fungible, readily portable, infinitely divisible, incorruptible, indestructible, provably finite and objectively verifiable.
+
+Bitcoin ticks all the boxes. It further adds a new dimension to money hitherto unimaginable, obviating the need for trust, eliminating counterparty risk without the burden, cost and attendant inefficiencies of involving trusted middlemen.
+
+​
+
+# Fiat money is a pyramid scheme
+
+It would be remiss not to highlight at this time just how [inequitable](https://www.wtsp.com/article/news/nation-world/un-world-hunger-billionaires-elon-musk/67-329635e8-6602-4bd1-b607-781cfd9ba7e0) our current monetary system is and, something we don’t often speak of, the [jarring impact](https://i.imgur.com/kLSpP6B.jpeg) of inflation-driven compulsive consumerism on climate change.
+
+The current system of credit constantly incentivizes you through a myriad of machinations to keep spending money from tomorrow’s labor, but the new injection of money from your tomorrow’s labor ends up being concentrated at the top, with the ultimate consequence of inequitably diminishing your purchasing power and continually enriching those at the top of the pyramid.
+
+In short, money borrowed against your future labor ends up destroying your own purchasing power while the lender profits off your future labor, both in the form of interest and by being closer to the new money. It’s a double whammy. Fiat money post hoc undercuts the value of our work and time, except for the top 0.01%, some of whom [have seen their wealth grow almost 10-fold](https://inequality.org/great-divide/updates-billionaire-pandemic/) during a once-in-a-hundred-year global pandemic.
+
+In 1971, President Nixon canceled the convertibility of the US dollar to gold. The subsequent collapse of the Bretton Woods system gave central banks absolute monetary authority as the dollar was no longer required to be backed by gold reserves.
+
+Central banks’ newfound ability to continually manipulate supply, interest rates, and velocity of money has led to deleterious consequences. Perpetual expansion to spur illusory “economic growth” has sent deficits spiraling out of control and resulted in, inter alia, a vicious cycle of high inflation, recession as a consequence of efforts to mitigate the effects thereof and ever-increasing, now extreme, economic inequality.
+
+I’ll just leave it [here](https://imgur.com/a/4LlWaKy) as to the enduring effects of the Nixon shock.
+
+​
+
+# Triffin paradox
+
+The Triffin paradox explains why any sovereign currency serving as a global reserve currency is unworkable — the state issuing the reserve currency is required to continually run up a deficit to meet the world’s demand for its currency. This creates a conflict of interest between domestic and international monetary policies, which becomes untenable in the long run, leading to the collapse of the system. The [average lifespan for reserve currencies](https://preview.redd.it/raj2vtkxn0u71.png?width=2000&format=png&auto=webp&s=7bf93b12c22fda167d3108814d0a6b2b3fef5740) is 95 years.
+
+Bitcoin is the only monetary system in history that has the properties to last forever, for, unlike all previous monetary systems, it doesn’t derive value from the authority or wealth of the issuer, which is fleeting, but a timeless universal constant — hard-coded mathematics.
+
+​
+
+# Closing thoughts
+
+I’d like to earnestly urge everyone to read mainstream articles about Bitcoin through a lens of scrutiny as to the interests of those who own these organizations. There’s an ongoing campaign to poison the well with blatant disinformation while simultaneously accumulating Bitcoin for themselves.
+
+When you really burrow down the Bitcoin rabbit hole, you come to realize that Bitcoin is quite the culture shock, a monetary paradigm shift irreconcilable with the status quo sustained by immoderate expansion normalized through generational indoctrination of the rationally vulnerable to acquiesce to furtive post hoc theft of the value of their work and time, especially in the last 50 years post-Nixon shock.
+
+Mainstream media organizations are owned by the banking establishment and beneficiaries of the fiat pyramid scheme [who stand to lose a lot of power](https://preview.redd.it/r5jquqfi31u71.png?width=1065&format=png&auto=webp&s=68019bec64e17df45ef3f72c5e7c1d8e3b167e2e) if 8 billion people were to understand [the peaceful revolution](https://imgur.com/Y2rhS0w) that is Bitcoin.
+
+There are no C-suites, marketing/PR teams in Bitcoin to manipulate public opinion or issue any official statements in rebuttal to intellectually dishonest journalism. Bitcoin keeps plowing along honestly, paying no mind to assorted naysayers motivated by self-interest seeking to further various agendas.
+
+Tick.. tock.. next block..
+
+​
+
+https://i.redd.it/86izkxf9g6w71.gif
+
+​
+
+I hope the irony of an organization chaired by a former Federal Reserve president decrying the concentration of wealth in Bitcoin while we do not have the ability to peer into an open ledger to scrutinize the concentration of wealth and the transactions of bankers in the fiat monetary system is not lost on anyone.
+
+[Bitcoin fixes this](https://preview.redd.it/vso2ik42c8w71.jpg?width=800&format=pjpg&auto=webp&s=b6d9f0f42d11e9d3a64eec3fd3ae17d8c803948a)
+TLDR: **"If selling half your stack will be life changing money for you, do it!"** I didn't, I regretted it.
+
+This is more aimed at early adopters or people that have a hefty amount of eth and are not sure what to do. I've seen it in one form or another here over the last few months but it is worth pounding in.
+
+During the 2018 bull run there was a tweet I remember reading and ignoring, that has echoed in my head every day since then.
+
+"If selling half your stack will be life changing money for you, do it!"
+
+I was at a point in 2018 where selling half would have completely turned my life around and even let me buy a house in cash. But i got greedy and ignored the signs and was left there a year later in agony that I ignored this one little tip. I could half sold half, and ensured my life was different, and still been plenty in the game but i got greedy and stupid.
+
+I'm all for hodling a good chunk in forever, but if you have a hefty stack and you can radically change your life right now just by selling half. FUCKNIG DO IT. Tomorrow eth may it 5K or it may hit 500. If you sell half and it hits 500, you'll be grateful you did. Now you have life changing money and can still do a little buying back in if you so choose. If it hits 5K, then you may be upset some, but I guarantee it will be less than if you sold nothing and it tanks. And you'll still be half in the game so you can still suckle on those sweet sweet moon profits. 
+
+Don't be me, don't let greed get in the way of changing your life.
+You getting help.
+
+Several months ago, my Aunt, who I don’t really talk to, called and asked if I could take her to LA (2 hours away) for a special dental procedure. We’re always nice to each other whenever we see each other, honestly only at family gatherings. Even though she lives about 20 miles away from me, we don’t really talk, nothing ever happened, just one of those things.
+
+Anyway, I happened to have the particular day off work and said I would take her. She was thrilled because no one else she talked to could do it. So off we went, I drove her car, she paid for all the gas ofcourse and bought me a nice lunch and dinner. It was kind of cool walking around LA by myself while she was having her procedure, turned out to be a nice little day trip.
+
+Fast forward a few months later, to about 3 weeks ago. I had my gallbladder removed. My mom told my aunt about it because they talk to each other. My aunt wanted to be there the day of my surgery, with my mom. I thought that was really nice.
+
+So the morning of the surgery, we are all there. I’m anxiously awaiting them to call me. They do, for me to sign consent paper work etc, and to pay my part. Luckily, insurance covered most of it thank god. My portion I needed to pay that day was $650. they called and told me the day before the surgery, to make sure I have the $ for the copay.
+
+I was seated after signing the paperwork before they took me back, mom and aunt behind me. Right after the papers the worker said she needed to collect my copay before I go back. Right as I reach for my wallet to get my credit card, my aunt holds my shoulder, and says “it’s ok.” And hands the worker her card. Yep, she just paid my $650 copay. I didn’t even know what to say to her. I asked why, and that I didn’t understand. Then she mentioned the trip a few months ago that I drove her on, since she couldn’t drive after the procedure, she was so grateful that I took her. I’m guessing because we don’t really talk, and that all the others she asked couldn’t take her for whatever reasons. Maybe she was surprised I said yes? I don’t know.
+
+The saved $650 helped me out tremendously. Last thing I needed to do was add more $$ to my credit card. Just goes to show to always try and help out when you can! As you never know who may unexpectedly help you out back somewhere down the line.
+
+Thanks for reading!!
+The people you’re communicating with when your chat starts: they’re low paid, cubicle monkeys who work off of a literal click-for-next-screen type of system to answer your questions. They’re call center employees, not some suit-and-tie with years of schooling and experience. The person who starts the chat with you probably knows less about the market and brokerage structure than apes do at this point. They aren’t subject matter experts
+
+
+I’ve gotta get this off my chest — 999 out of 1000 times, any incorrect info you get from a chat is not nefarious. There isn’t some deep-seated puppet master doling out misinformation daily to apes. There’s just a (likely) marginally interested cubicle worker trying to help you and move on to the next chat window. They have quotas to hit and they don’t want to have to escalate issues because too many escalations and they get a talking to from their boss about not being able to do their job effectively
+
+
+I know we all like them internet points and chat screenshots are fish-in-a-barrel easy, but y’all gotta chill out. These chat reps aren’t out to get ya; they’re just trying to earn a paycheck like most apes. If they were subject matter experts like some of you expect them to be, they wouldn’t be manning phone banks and chat windows — they’d be putting their expertise to use outside of the call center
+
+
+Just loosen your tinfoil when you open the chat window and recognize that on the other side of the conversation is someone doing their best to help you, motivated by not wanting to lose their paycheck or get written up by their boss just like you
+
+
+Sincerely, an ape who has been in call center environments at collections and banking firms and is tired of this “nefarious chat rep” charade
+I have been using robinhood for 5 years. And I have a debit card with them. Well someone has been using my card to make purchases and I can't even get in contact with robinhood to get my debit card canceled. No phone number to call off the card.
+
+I have sent them an email and got a reply that it can take 3 or more business days to respond. Like I guess I'm supposed to sit back and eat popcorn while someone drains my account?
+
+Fuck robinhood. I'm going to fidelity.
+
+Edit: I locked the account in the app but that is only for withdraws. I can still use my card with no issues when it's locked.
+My parents (61M and 61F) are both unemployed. Recently, my mom is hit with a severe debilitating issues that needs assistance 24/7. My dad decided to quit his job and take care of her full time. They have a very small nest egg bit their medical bills and other expenses are adding up. 
+
+They meant well, did honest hard work, yet they aren't fiscally savvy, mentally agile, and basically good in life in general. This of course, lead to me shouldering most of the work at a very young age. 
+
+I have obtain medicaid for them, set up treatment plan, and took care of all insurance related matters. 
+
+Adding to that, a year ago, their house burned down completely because my dad mis-wired a recessed light and caused an electrical fire. I then have to make arrangements for insurance, builder, and took care other legal stuff. 
+
+Honestly, I am TIRED. Realistically, my aging parents situation is going to compound and they are quickly relying on me more and more. 
+
+This past year with the house fire and mom's illness had taken a toll on my work as well. I had taken a 4 months of work off, spent thousands of dollars on transportation (flights/hotels/co-pays). Mentally, I am drained too because my mom keeps asking me "when am I going to get better to 100%?" And truthfully, it's never and she starts throwing a fit like a kid.
+
+I am only 28 years old and I am just starting my career. I am relatively fiscally responsible (no student loans, PhD in engineering, 401k, Roth IRA, high interest saving account etc). However, my savings for a house just got drained in the past year. I can't help but feel jealous of my friends talking about weddings (that I can never afford), moving to a new city (that I cannot experience due to caring for parents), and partying (that I don't have time for). 
+
+Sorry, this turned into a rant. PFers, how do you prepare for your aging parents' retirement? 
+
+
+It's also a cautionary tale for people with children: if you do not save enough for retirement, you become a liability that can hinder the next generation. If you love someone, take care of yourself first.
+
+
+NinjaEdit: wow! I didn't know this would blow up. Thank you so much for all your amazing support and constructive criticisms! To give more info, my parents did offer to take a loan against their 401k but I refused. At 18, I got 2 PT jobs and later a well paying 1.5 yr engineering internships to pay for tuition and living expenses. A bunch of scholarships/grants covered the rest. As for PhD, I got a awesome opportunity to get hired as FT industry researcher with tuition reimbursement. Also, I am a girl so.... clock is ticking 🙄
+Welcome to the **/r/EthTrader** Daily Discussion thread. The thread guidelines are as follows:
+***
+
+-  Discussion topics include but are not limited to general discussion, details related to events of the day, technical analysis, Ethereum Classic, and minor questions.  
+-  Important content should be posted as a separate thread.
+-  Be excellent to each other. 
+
+***
+
+Thank you in advance for your participation. Enjoy!
+
+**Real quick**: I'd like to imagine I had a decent understanding of finance before I joined the GME saga; basic stock fundamentals, interest rates, balancing accounts, blah blah blah. And I'd like to think I'm a fairly intelligent individual; I somehow managed to earn a degree in mechanical engineering from a University of California. But I'm still just a smooth brained ape...🦧
+
+**BUT** the amount of knowledge and comprehension I've gained the last three months from reading DD and doing my own fact checking is ***insane***. And I'm sure many of you are in similar positions (no pun intended).🍌
+
+***BUT BUT***, I have also now realized how fricking **CONVOLUTED** this shit is, and how it's in their best interest (Wall Street's) to keep it that way. i.e. This hedge fund has a stake in this other hedge fund, who is in turn connected to some *other* fund, but to dig up their data means sifting through all this *other* data. But is that data even current??? Idk! So let's go to a dozen other sites just to even *try* to confirm it. Rinse, repeat, idk, it just seems ridiculous. 
+
+So a big shout out to all of the major DD contributors here! Won't bother tagging them cause they have more important stuff to look at.
+
+Not financial nor sexual advise, yadda yadda. I fucking love the stock. Do your own research. I'll see you in space. 🚀🚀🚀
+Like the title says, I have a line of credit worth $100k @ 2.2%, and am approved for a limit increase to $350k.  For some background I am in my late 20's, single, rent a house, cheap monthly car lease payment.  Current income is around $80-85k/yr.  When I finish my medical training in a year and a half this income will go up.
+
+I know borrowing money to invest is a controversial topic.  I'm kicking myself for not mobilizing it into the market 4 years ago when I initially got it, but I also had a lower income and was less comfortable with investing.  I spoke with a financial advisor but didn't get much useful advice for what its worth.
+
+My question is given the very low interest rate, current market environment and my own situation, I'd like to hear some thoughts on how you would try and take advantage of this line of credit, if at all?  Appreciate any input
+
+edit:  I should add that I've fully contributed to my TFSA  
+
+(not Yoloing into GME or AMC).
+I saw a thread over on r/options where people were discussing dwac and saying that it will very likely liquidate within the next two days and pay shareholders $10.20 per share. A couple people mentioned that selling puts below that price (ex. $10 strike) would be basically free money because after liquidation the puts will be worthless. Can I get a second opinion on this? Does that sound right? If it's right i don't see why I should just try to sell $10 puts tomorrow morning as far out as possible. Thanks.
+How do you all identify better (or additional) stocks to wheel on?
+
+I'm currently wheeling on 16 stocks. Everything is going fine, I'm making more than what I need, but I would like a simple/straightforward way to identify possible stocks that are more profitable than my current wheels to either replace or add to my portfolio.
+
+I'm thinking something like a screener I run at the beginning of the month, or something that would give me a list of potential candidates that I could then explore deeper and adjust my portfolio accordingly.
+
+Anybody doing this currently? What tools/criteria do you use?
+I’m watching a video explains the Wheel Strategy and I have a question about calculating the cost basis.
+
+In the video he uses this example:
+
+Strike price: $25 
+
+Sells CSP for a gain of $500 
+
+He gets assigned so that’s $2500 for the shares at a price of $25 
+
+But because he got $500 in premium he says he technically payed $2000 for the shares at a price of $20 
+
+He then sells a CC at a $21 strike 
+
+My question is, will my brokerage show my average price of $20 or $25? Or is it up to me to calculate what my cost basis per share is when considering the premium I received? OR am I just completely confused lol
+I am trying to create an "in-case-I-die" packet for my wife that lists all our accounts (retirement, banks, CC), all our bills and when/how they are paid, and life insurance information. Do any of you have any templates or have something similar you've created. I want to make sure I'm not missing anything important.
+Guten Morgen to this global band of Apes! 👋🦍
+
+Apes, I am delighted to see that the DD continues to be developed and Apes maintaining enthusiasm for the stock we like! When all of this is over, I wonder if we'll look back on days like yesterday, where for no apparent reason the SHFs decided to do a short attack, and if it'll make any more sense? Whatever their reasons, it is clear that Apes continue to buy the dip and DRS their shares - exactly what the SHFs cannot withstand.
+
+As we approach the New Year, I've been reflecting on what this past year has held. While there are many Apes who have been involved in GME for well over a year, the movement picked up heavily last January, leading to the Sneeze and everything that has come since. I know that I am not alone in feeling like we are coming up on another such inflection point in the GME Saga - one that will usher in the MOASS and subsequent reform of the way the markets are structured. While we all eagerly anticipate that moment, be sure to treasure the time we have together before that happens. At some point, everything will change forever, and there will be no going back. I appreciate each and every one of you for your role in making Diamantenhände a fixture of my past year, and I hope that wherever we end up on the other side of the MOASS, that we can at HODL on to this community forever.
+
+Today is Tuesday, December 28th, and you know what that means! Join other apes around the world to watch infrequent updates from the German markets!
+
+###🚀 Buckle Up! 🚀
+***
+
+
+- 🟩 120 minutes in: **$149.40 / 132,07 €**  *(volume: 1724)*
+- 🟩 115 minutes in: $149.29 / 131,98 €  *(volume: 1624)*
+- 🟥 110 minutes in: $148.13 / 130,95 €  *(volume: 1290)*
+- 🟩 105 minutes in: $148.65 / 131,41 €  *(volume: 971)*
+- 🟥 100 minutes in: $148.37 / 131,16 €  *(volume: 624)*
+- 🟩 95 minutes in: $148.40 / 131,19 €  *(volume: 623)*
+- 🟩 90 minutes in: $148.34 / 131,14 €  *(volume: 615)*
+- 🟥 85 minutes in: $148.27 / 131,07 €  *(volume: 603)*
+- 🟩 80 minutes in: $148.29 / 131,09 €  *(volume: 583)*
+- 🟥 75 minutes in: $148.27 / 131,07 €  *(volume: 573)*
+- 🟥 70 minutes in: $148.29 / 131,09 €  *(volume: 562)*
+- 🟩 65 minutes in: $148.37 / 131,16 €  *(volume: 556)*
+- 🟩 60 minutes in: $147.93 / 130,78 €  *(volume: 536)*
+- 🟩 55 minutes in: $147.92 / 130,76 €  *(volume: 536)*
+- 🟩 50 minutes in: $147.89 / 130,74 €  *(volume: 534)*
+- 🟩 45 minutes in: $147.88 / 130,72 €  *(volume: 533)*
+- 🟥 40 minutes in: $147.82 / 130,68 €  *(volume: 532)*
+- 🟥 35 minutes in: $147.88 / 130,72 €  *(volume: 529)*
+- 🟥 30 minutes in: $147.90 / 130,75 €  *(volume: 516)*
+- 🟥 25 minutes in: $147.92 / 130,76 €  *(volume: 466)*
+- ⬜ 20 minutes in: $147.93 / 130,78 €  *(volume: 466)*
+- ⬜ 15 minutes in: $147.93 / 130,78 €  *(volume: 453)*
+- ⬜ 10 minutes in: $147.93 / 130,78 €  *(volume: 447)*
+- 🟥 5 minutes in: $147.93 / 130,78 €  *(volume: 442)*
+- 🟥 0 minutes in: $147.99 / 130,82 €  *(volume: 220)*
+- 🟥 US close price: $148.31 / 131,11 €   *($148.00 / 130,83 € after-hours)*
+
+
+***
+FAQ: I'm capturing current price and volume data from German exchanges and converting to USD. Today's euro -> USD conversion ratio is 1.1312. I programmed a tool that assists me in fetching this data and updating the post. If you'd like to check current prices directly, you can check [Lang & Schwarz](https://www.ls-tc.de/de/aktie/gamestop-aktie) or [TradeGate](https://www.tradegate.de/orderbuch.php?isin=US36467W1099)
+
+Diamantenhände isn't simply a thread on Superstonk, it's a community that gathers daily to represent the many corners of this world who love this stock. Many thanks to the originator of the series, DerGurkenraspler, who we wish well. We all love seeing the energy that people represent their varied homelands. Show your flags, share some culture, and unite around GME!
+And I have absolutely no clue what I am doing. I started casually investing last year when I found out I was going to be having a baby, was going to try Acorns and ended up with Robinhood. I had zero clue about trading before and only minimal knowledge even now. 
+
+I've got a pretty strong gut and can handle huge increases and decreases in my investments, its required in our current geopolitical climate but I feel like maybe I'm becoming too emotionally invested to the best calls for my family. 
+
+Here is a [snapshot](http://imgur.com/a/jQHBChZ) of my trading portfolio, I'll go through later hopefully to itemize trades and whatnot. Initially my investment strategy was to buy, gain, dump and repeat but ACB and YETI which I had the most stake in decided to fall and I lost a few bucks. Currently invested in puts for GME, GRPN for 10/18 and AEO for 6/14. I deposit about 10$ weekly into this account. 
+
+These photos detail through the large ups and downs, currently I have decided to stick with options for quicker way to making money. I understand options really requires a *lot* of speculation but I feel like maybe I'm losing more than I should. 
+
+I expect to come into 100k+ within the next 30 years from my Grandmothers estate. 100k isn't enough to retire on, or really to do anything with for that matter. I'm not a fool with the legal aspects and making myself protected. 
+
+I have no 401k, savings, retirement. My 1000$ is my wages + a small savings from tax time. I have maybe 8k in debt including my no interest financing on my cellphones, 500$ credit used to fix my car and about 6k from a motorcycle I bought 4 years ago. 
+
+TL;DR I'm broke and have no idea how to invest smartly to maximize small/med wins to build my investment account. I understand IRA/401Ks are safe, simple and make sense for saving but I'm 10 years behind at this point and I have a lot of excuses to give you why I won't start saving now and let compounding interest do its thing.
+I’m single, 22 (just graduated with my BFA!) and I’m buying groceries almost exclusively for myself. I live in Nashville currently. I find my average “big” 3-week grocery trip can be anywhere from $70-$140, after accounting that I go to multiple stores. I also find myself getting small things here and there throughout the month, and I don’t eat out or order food like DoorDash often. 
+
+I’m generally thinking $230/month seems like an accurate budget/spending average in my current state, but I’m also planning on moving to NYC for work, and I need to know how much the price hike could affect my budget. Should I push it higher? How much should I move it?
+I make $30k/year, have about $10k left to pay on a car, and have a savings account with about $6/7k in it. I have no other debt than the car payment. I was hoping to invest/grow the savings account.
+
+The financial advisor basically told me that I don't need to budget or invest because my problem isn't a planning problem, it's an "income problem". He was very kind but basically told me I have to get a higher paying job or get another part time job in order to make any kind of headway financially. When I asked him if we could discuss investing my savings, he said no and that I would be better served putting it towards paying off my car.
+
+I have no interest on the car payment and am on track to pay it off well before any interest would kick in so I don't feel like using my savings for that is my best option.
+
+So was he right? Is my savings account too little to start investing with?
+
+I am 28 and don't really want to wait around when it comes to investing or building a retirement fund for myself outside of what I'm already building with my job. I'm just looking for advice on whether I should continue to look for an advisor that will help me or if this is the answer I'm going to get wherever I go and I just need to come to terms with it.
+
+(I also just want to say that I \*love\* my job dearly and the value of my mental health is personally not worth more to me than leaving it in order to make more money.)
+
+Thanks!
+Internet, water, and electricity are all included. I don’t want cable. Have to pay own health insurance but looking for a job that has it. 
+
+I’m fine eating a lot of cheap food out of a can. I’m summer I’ll open a window. In winter I’ll wear a blanket. I’ve never felt like I need much really. And I’m single with no kids so I’ve no one to pay for but myself. 
+
+
+
+
+I've got a plead for the more experienced traders in here;
+
+Would you mind sharing your story and how your profits went from (maybe) negative to positive. 
+
+ What was the turning corner for you? Where did you start? Do you trade full time? Does it make you a good living - money wise and freedom wise? Do you feel brighter than when you started?
+
+I've been in it for only a bit less than a year,  but from time to time the journey seems impossible. Hope some of you care to share :)
+
+Thanks a lot in advance!
+
+Edit: Not searching for some free ride,  trading plans or what not,  just motivation.  
+Are there any real success stories online?
+
+With thousands upon thousands journals on forums, reddit, blogs I have yet to see one genuine success story that is not a scheme.
+
+I have been trading in my spare time for almost 4 years and every single success story turned out to be fake. 
+
+Over the years I talked and traded with hundreds of people and not a single one of them became profitable for a long period of time. 
+
+The most successful guy I knew managed to turn forex trading hobby into 9-5 job as technical analyst adviser for a bank.
+
+Do you know about any real stories/journals?
+Full disclaimer: I know NOTHING about trading. 
+
+But! My dad is currently into learning about Forex and I would 
+love to get him something useful/meaningful for Christmas related to forex trading.
+
+I was really excited to get him the "Stock Traders Almanac 2023" but recently learned he doesn't day trade (forex only).
+
+Any ideas? He's a big fan of video learning so textbooks are a no go.
+
+Edit: budget ~$100 CAD
+
+Second edit: wow, thank you everyone for your responses. I was all set to get him a magic keys when he started grumbling about the ads on YouTube and having to type search using the tv remote...
+
+So I bought him a chrome cast and a YouTube subscription 🤣
+
+But his birthday is in April so I am thinking a magic keys then. Thank you again, I am definitely saving this post for future gift ideas!
+I’ve seen many YouTubers and education guys who says that they make money trading fx daily. But I didn’t see any real person who quit job and now full time trading. What’s your experience, mb some of you already quit your job, what was your way?
+And pls, I don’t say I want to make millions every year, I’m talking about 2-5k$ month on average. 
+Thx
+Hey guys! I'm a finance student trying to get into forex as i find it extremely interesting. I know its a way to financial freedom, but I'm more interested in the knowledge about the market and all that rather than the get rich quick bs.
+
+I have a buddy who always tries to shut me down when it comes to the forex market, trying to convince me that in a few years the market will be run by bots and there is no space for manual traders. I was wondering if anyone around here had an opinion on this.
+Hey REI's! One of the big rules to investing championed by most is never spending the principal. In the 08 crash the people who lost everything did so by losing their homes and all the principal in them. If you held on through the recession and managed to keep your principal you would be fine today or even be in a pretty good spot. So my question is this. How do we invest in a way that produces good returns but does not put you a position when the market goes down that you may be foreclosed upon and lose all that principal? Obviously buying all cash and greatly under market deals but are there any strategies or built in calculations you guys use when analyzing properties with doomsday scenarios in mind?
+
+Can someone take a look at this. I feel like I'm missing something or did I actually find a great deal? Here's the exact breakdown:
+
+purchase 440k
+
+25% down
+
+property taxes 3800
+
+insurance 1600
+
+mortgage is 2182/month including taxes, ins, lawn care
+
+estimated maintenance 1500/year 
+
+Gross rent comes out to 51,600 currently
+
+Leaving me 43k & change to cover the mortgage. 
+
+After all the bills are paid im looking at 16,800/6=2800/12=233/door
+
+What are your thoughts? Am I missing something?
+
+UPDATE: I was given a tip to look up the property on the tax collector website. The actual tax bill is 4150 and the property is not benefitting from any reductions according to the website. Thank you to all that have contributed. Im going to call the realtor now and clarify that tenants are responsible for utilities.
+
+Update #2: Using the calculator provided on the county website and using the "market value" it appears taxes will be 6,700. YIKES! Thank you for all the input. I'm going to re-run all of my numbers tomorrow accounting for this and Im going to figure out a calculation to add in my major items for replacement in the future (roof, hvac, ect)
+IF it still cash flows decent I will be looking to make an offer. Got quoted 5.5% commercial loan 20% down. Is anyone else seeing better rates?
+My wife and i have been renting a room in my MIL's home. She also lives in the home which is located in a highly sought after socal beach community.
+
+Both parties are interested in my wife and i taking over the house, which includes the mortgage (600k). The current value of the home is much greater than the mortgage, so we are not sure of the legal ramifications.
+
+She has a bad loan rate due to her own debt/credit score and we are wondering if we should co-sign a refinance with our credit score & income while putting us on the title or if we conduct a non-arms length transaction that includes a major gift of equity?.. or another option?
+
+She doesn’t want anything from us except the ability still to live there after we take over.
+
+Thanks for any suggestions!
+I'm looking some advice regarding pension, financial wise its one aspect I know the least about but now I'm looking at options and I need to decide what to do.
+
+I've been working at a University for the past 13 months, which does have a generous pension. However, earlier this year I had to withdraw from the pension as my contribution had to be 9%. I'm only on 21k a year and was saving for my flat deposit so it was leaving me pretty right - and this was before cost of living sky rocketed so much.
+
+However, the project I'm in is only temporary and contracts are extended yearly so I'm unsure if I'll be at the uni longer term just yet.
+
+Now I'm debating whether to opt in or go private where I can contribute less, but obviously there would be no employer contributions. 
+
+Income - around £1500 but will be going down in April when I stop covering a higher paid position part time.
+Monthly outgoing are 
+Mortgage - £354
+Council Tax - £102
+Water - £12.97
+Electric - Between 50 and 70 thanks to the gov scheme
+Food - Around £120 for the month
+Travel (bus) - £20 
+Broadband £23
+Mobile £7
+
+Would you opt in to the uni pension or seek private options? I'm not sure which is best to be honest so any advice would be appreciated
+
+UPDATE: Thank you all for the advice and the kindness considering the rather dumb decision I made regarding my pension scheme 10 months ago. Its actually much appreciated that you didn't all just jump on me. I think the best course of action is for me to opt back in. To the few to asked about my naff salary, yes I am aware its not great and I do need to move up. I left teaching 1 1/2 years ago and I've spent the last year or so getting back on my feet and mentally healthy. So I've stayed in my lower position with very supportive work team whilst I've gotten better. In the new year I'm hoping to start rebuilding my career and finally finishing learning to drive!
+Hi guys and gals,
+
+I am posting in search of advice. I am working for some times on a neural network to predict prices of the market (particularly on the cryptocurrencies market).
+
+It turned out that I recently achieved to get unexpectedly good results. To be more precise, when my nn reaches a decent amount of confidence on its prediction (which happen about 10% of the time), its accuracy on predicting the trend on test data in 12 hours is more than 80%. There is nothing really new about the architecture I am using (hybrid convolutional/GRU layers), but the way I preprocess the data is original.
+
+I have not seen these kind of results in the literature, so I was wondering what should I do from here? Is patenting the idea a reasonable idea? And if I want to sell it, where should I start? Any idea of the value?
+
+Any advice is welcome, and if this post does not fit here, please tell me and I will remove it.
+
+Cheers.
+Good Morning, here's my watch list
+
+Gap Ups: CEMI, IFRX, INSG, QUMU
+
+Gap Downs: AMD, BA, BYND, CAR, HSBC, LYFT, MU, ROKU, SQ, TWTR,  VRNT, WYNN
+
+Sorry for the late list, I have been busy this morning. Market is gapping down, No stocks with individual catalyst. I mentioned yesterday the weekly 200 MA over head could act as resistance. Now well see if the market continues lower. Next support level, last low on SPY at 218. level. Things might be a bit choppy today so be patient and wait for solid patterns before entering trades. Good luck
+
+Sup apes 🦍. Here’s the the plays 🎰 that pay 🐄
+
+$RKT - Everyone is building houses 🏠 in 2021 with premium lumbers 🪵 and everyone loves using TurboTax. That’s why you should invest in Quickbooks Mortgages 🧾. Plus their name is an emoji we like 🚀. Buy calls.
+
+$MVIS - it’s a microchip 💾 company or uh...a laser 🔫 company. It’s really good. It’s been around for 20 years without making a profit so it’s sure to profit on year 21. Buy calls and shares and maybe puts too.
+
+$ROOT - Insurance company that makes you install an app on your phone and raises your rates if you speed 🚗. Everyone likes driving slow 🚧, switching insurance providers 👨🏻‍💼, and learning new apps 📱. Switch to ROOT insurance, drive safe, save money, reinvest those dividents into ROOT.
+
+$PTON - They make execise bikes 🚲 that require a monthly subscription 💳. Will continue to soar after gyms reopen. Only killed ☠️ one baby 👶🏻, which is a limitless resource and we can always make more. Massive product recalls are an opportunity to wow customers with premium service. Buy at any price under $200.
+
+$CLOV - owned by benevolent billionaire 💰 Chana 🥘 Masala, Clover uses machine learning 🤖 to decide when it’s time for your parents to die ☠️. Chana even bought $GME once. Buy leaps! 6/18 $20c. 7/17 $25c. 8/19 $30c. 9/20 $40c. 10/31 $100c.
+
+$ARKK - owned by Christian ✝️ MILF 🤵🏻‍♀️ Cathy “Gives Me” Wood 🪵 It’s an ETF that buys all the WSB tickers, cause Cathy is trying to impress us 🦍. If you want to diversify put your life’s savings into this one. Buy 6/18 $200c.
+
+$PLTR - owned by a gay 🌈 Paypal vampire 🧛🏻‍♂️. They sell Palastinian 🇵🇸 address data to the IDF 🇮🇱 Palintir is Sauromon’s crystal ball 🔮, and Sauromon was the good guy in $LOTR. Too risky for calls because share price only goes down so buy shares, any price under $60 is good.
+
+$TSLA - Owned by the other 🌈 Paypal guy, this company sells electric ⚡️ cars 🚙 at a loss 📉 and they just bought a ton of electric coins at -10% ATH. Run by the Smartest man on the planet. Buy $2000c. on Monday cause Elon on SNL is gonna print! 🖨
+
+And of course, the big one,
+
+$GME - a video game 🎮 pawnshop that will soon let you pawn boardgames 🎲 and computers 💻. It is exactly what Americans need in the 2020s. Buy $800c every month.
+
+Make sure to NEVER take profit. Only sell on a loss. The point of the market isn’t to make money, it’s to impress a message board by losing a year’s salary in a screenshot 🤳🏻.
+
+I would post positions but I am currently under investigation by the SEC and banned been from trading securities.
+
+TLDR: here’s the emojis: 🦍🎰🔫🚀🔮🇮🇱🇵🇸🏠🚗💰🚲👶🏻🪵🌈🐻⚡️🚙🐄✝️🌈📉🚧🎰🤵🏻‍♀️💻🤳🏻🦍💳🥘💰📉📉📉
+# Update (12/8/20):
+
+For those who missed it, I've upped this bet to include a tattoo on my ass if I'm wrong. But I won't be wrong.
+
+### [UPPING THE ANTE: If SPY closes below 360 by next Friday I will donate $100 to the top 10 commentors below. If SPY closes above 375 next Friday I will get JPow's face and "Don't Fight The Fed" tattooed on my ass.](https://www.reddit.com/r/wallstreetbets/comments/k6z61n/upping_the_ante_if_spy_closes_below_360_by_next/)
+
+# UPDATE (11/30/20):
+
+Stock futures are currently at around +0.80%. I'm down as fuck on my positions as most of you already know...
+
+I stated before I never put more than 10k into short term options plays, which is how I've lasted 20 years in this game.
+
+These are extreme times. I am now putting that rule on hold. If these futures hold up, tomorrow I am dumping another 10k into my SPY puts and VXX calls. I am literally doubling down to a 20k total bet.
+
+This extra 10k will be January/February dated since my December timing appears to be early.
+
+Still conservative strikes: VXX 22c, SPY 350p, TLT 162c
+
+# UPDATE: CURRENT POSITIONS (as of 11/20/20)
+
+https://preview.redd.it/wn0f6wuevh061.png?width=1078&format=png&auto=webp&s=c5f63c8e8577acead459cc55c72f2076974755f2
+
+https://preview.redd.it/qiu0oma2j7061.png?width=1626&format=png&auto=webp&s=5aac070daa9c5595cc3e5e3dad2747297e2289c3
+
+Hello again. SVM/??? here with another fuckin banger. LET'S GOOOO!!!!!
+
+# Introduction:
+
+The market is going to tank. Let me just give a bit of background so you know why my opinion is better than yours...
+
+I am not a bear. I am not a bull. I go where the market tells me to go, I bet where it tells me to bet. And right now, the indicators are telling me to take a strong bearish position. So that's what I have been doing.
+
+I've been trading more than 20 years. I was trading the great financial crash while most of you were watching fucking Spongebob or whatever the fuck you kids jerked it to. This is not my primary job, but I make a good deal of cash on the side every month, timing the market and swing trading broad market ETFs. I do my research, I know my shit, and I rarely touch your shitty meme stocks. I'm doing you all a favor of once again sharing my insights into this market, so you too can share in my profits and maybe learn a thing or two.
+
+I will lay this out as cleanly as I can, offering multiple premises for my bearish bet and explaining them in detail. I've covered some of this in the past, but wanted to consolidate everything and more in one place. **This post will be long. If you want to cry about that rather than thank me for my service, you will go broke soon and deserve it cuz you are a lazy fuck.** PRESSING FORWARD!
+
+​
+
+**Primary Bearish Premises:**
+
+**Premise 1: The Market is Massively Overvalued (Macro)**
+
+**Premise 2: SPY is Topping Off and Running on Vaccine Fumes (TA)**
+
+**Premise 3: The Fed CANNOT Print Money You Retards (Facts)**
+
+**Premise 4: Quantitative Easing is Deflationary (Theory)**
+
+**Premise 5: Credit Markets are Contracting (Data)**
+
+**Premise 6: Banks are Loading Up on Safe Bonds While Retail Loads Up on Stocks (Data)**
+
+**Premise 7: Unemployment is Still Sky High (Data)**
+
+​
+
+# Premise 1: The Market is Massively Overvalued
+
+There are plenty of small, detail arguments for a bearish position. Covid cases rising, election uncertainty, stimulus failing, and so on. Plenty of others have made this case, so I won't focus on the small scale issues such as these.
+
+What I want to give you is a larger, macro picture. Because the market is simply overvalued, period. The market has become divorced from the overall economy. I understand tech, and why they have a bullish case for growth in the face of Covid lockdowns... My point here is that you need some REAL WORLD measures to tie "future earnings" down to reality, to prevent irrational euphoria from taking over your mind.
+
+There are plenty of indicators out there showing that stocks are overvalued. We could talk about insane P/E ratios, about euphoric meme stock flops like NKLA, and so on. The metric I'm going to present here is not new by any stretch. It isn't unique or original. But it is undeniably useful, and carries strong weight, whether modern traders wish to shun it and its originator or not. I'm talking about the Buffet Indicator.
+
+https://preview.redd.it/oem2uhz714061.png?width=1008&format=png&auto=webp&s=b1f7e97544eba52859b986af68b4b80556660e43
+
+For those of you new to this concept, it is simply the total stock market valuation divided by GDP. The point is to compare total market valuations with some hard, trailing, real-world metric, in this case GDP. When market valuations uncouple strongly from actual market conditions, it is a strong signal of irrational stock valuations. And that presents opportunity for those paying attention.
+
+Note that **this chart has already been detrended down to account for historically rising P/E ratios**, and it still shows a strongly overvalued market, equal to what was seen during the DotCom bubble. That's bad news, folks.
+
+This is the REAL issue in the present market, and why buyers are becoming exhausted. Covid, instability, elections, stimulus... These are all just catalysts to give that equity bubble a little prick. Only the dumbest of the dumb are still "buying the dip" under current market conditions, which means mostly clueless retail gamblers on WSB. All these perma-bulls are doing is offering liquidity to the institutional investors to help get them out of their positions. In the end, we all know who is left holding the bag.
+
+# Premise 2: The Market is Topping Off and Running on Vaccine Fumes
+
+I'm not a big believer in technical analysis. Most of it is bullshit, astrological voodoo if you ask me. But some of it works, and when technical analysis works, it is simply being used as a proxy for assessing market sentiment and emotions. Let's take a closer look at the teaser SPY chart I posted above.
+
+https://preview.redd.it/h0ndq2a914061.png?width=1808&format=png&auto=webp&s=3fe30a5ad23952719c69c6634debe7fe8c0832af
+
+As you can see, the market has been repeatedly rejecting multiple new highs. This process was briefly interrupted by positive vaccine news. We breached a new high on Pfizer vaccine results, but even that new high was instantly rejected and resulted in a sudden reversal selloff. The Moderna vaccine news created another short rally, lower than the Pfizer high, and that too was followed by a selloff. **In other words, the market is continually rejecting current market valuations.** As they should be, if you were following the point above. We are running on vaccine news fumes, and those will not last long. If you develop an instinct for these things, you can almost feel it in your gut: The market WANTS to head down.
+
+If this isn't the top, it is close to it. $366.77 will very likely be the high for SPY for the year, and will soon unwind downwards.
+
+# Premise 3: The Fed CANNOT Print Money
+
+I know this will come as a shock to most of you idiots but the fucking money printer does NOT GO BRRRRR.
+
+The Fed has to follow the laws that govern it's actions. The Fed does not have the legal authority to simply print cash and hand it out. Go ahead and read the Federal Reserve Act, and take a look at the Fed's actions, for proof of this. It doesn't even have the authority to print cash to buy corporate bonds or anything else.
+
+What the Fed "prints" is called "reserves."
+
+[ Source: https:\/\/www.stlouisfed.org\/open-vault\/2019\/august\/open-market-operations-monetary-policy-tools-explained](https://preview.redd.it/8ibo0kud14061.png?width=900&format=png&auto=webp&s=626a1464cd76296ee9d435a5c69f182e4286f9d6)
+
+So what, you say? So everything. The key point about reserves is that they cannot be spent like cash can. When a bank gets reserve funds in its reserve account at the Fed, it CANNOT SPEND that money. All the bank can do is use that account as collateral to lend against. Which means **if the banks are not lending, those QE funds are NOT entering the economy.** They might as well not exist. And banks are not lending, as we will see below.
+
+This is the counter argument to all the ignorant retail traders who will argue that the Fed is "backstopping" stocks, or that the Fed will not "allow" the market to crash. The Fed has no power to print money, and therefore no power to buy stocks, and therefore no power to prevent a crash. The Fed's power is illusory, but enough people buy the illusion to make it effective. That won't last forever.
+
+Just think about it. If Fed actions and QE really made stocks rally the way people claim it does, why isn't the Japan Nikkei constantly breaking new all time highs???
+
+# Premise 4: Quantitative Easing is Deflationary
+
+Quantitative Easing is not Cash. In fact, QE is deflationary.
+
+Here is how QE works, in a nutshell. The Fed buys bonds from the big banks. Except the Fed isn't buying them with cash. In exchange for the bonds, the Fed puts funds in a reserve account held by the bank. These reserve funds CANNOT BE TOUCHED by the banks. All the banks can do is use this account as collateral to lend against.
+
+In fact, it's worse than that. Because the Fed is removing assets from the open market, and not paying cash for them. It is purchasing liquid assets with illiquid reserves. Despite all the Fed's talk about "creating liquidity," what the Fed is actually doing is REMOVING liquidity from the system!
+
+Why would they do this? Answer: To lower interest rates. Don't take my word for it, the Fed explains this itself!
+
+[ Source: https:\/\/www.stlouisfed.org\/open-vault\/2019\/august\/open-market-operations-monetary-policy-tools-explained ](https://preview.redd.it/bzl5jfpf14061.png?width=1280&format=png&auto=webp&s=b4c96c8e3b741867281f43b5472c634c85cba5bf)
+
+See, the Fed has to follow the laws that govern its actions. Despite what the public believes, the Fed does not have the legal authority to simply print money and hand it out. The Fed knows that the true source of inflation in a debt-based economy is through **credit expansion.** So the Fed does everything it can to reduce interest rates, both by setting reserve rates near zero and by using QE to drive rates down further.
+
+Only when credit expansion revives will we begin to see inflation and a true recovery. The Fed knows their hands are tied, which is why they keep hammering Congress to pass more stimulus.
+
+Perhaps the greatest strength of the Fed is in "forward guidance." The Fed simply uses words to convince the public that money is being printed, that inflation is coming, so that people go out and spend and buy assets. They are playing a trick on the public, and the trick is working. People actually believe inflation is coming, that stocks are being held up by the Fed, that money is pouring into the system. The public is wrong on every count.
+
+The Fed is trying to contract credit markets in order to lower interest rates in order to eventually spur lending in order to eventually create inflation. But in the meantime, QE is deflationary. As stated above, if reserve funds are not being lent out by the banks, they do not enter the economy, and thus QE serves a deflationary role. Let's take a look at the next premise, that banks are contracting the credit markets.
+
+# Premise 5: Credit Markets are Contracting
+
+The question of whether banks are lending or not with their QE reserves is simply a matter of looking at the data. Practically every data source we can point to suggests contracting credit conditions. This means QE reserves are not entering the economy, and therefore are not producing inflation nor holding up stocks.
+
+**The SLOOS data from the Fed, Oct. 2020:**
+
+[Source: https:\/\/www.federalreserve.gov\/data\/sloos\/sloos-202010-table-1.htm](https://preview.redd.it/pt6xz8wg14061.png?width=772&format=png&auto=webp&s=4de834db13e36878f58154dbe44010b2777743b0)
+
+Real Estate lending is booming, you say? Not so....
+
+**Banks Lending is TIGHTENING:**
+
+[Source: https:\/\/www.federalreserve.gov\/data\/documents\/sloos-202010-charts.pdf](https://preview.redd.it/95wkopaj14061.png?width=927&format=png&auto=webp&s=fb6dcc0329897ca807477b5506786e5edba4b70e)
+
+Note: The decline near the end doesn't represent growth in credit, but represents a reduction in the RATE of tightening.
+
+**Consumer Demand for Loans is SHRINKING:**
+
+[Source: https:\/\/www.federalreserve.gov\/data\/documents\/sloos-202010-charts.pdf](https://preview.redd.it/6d29h9dk14061.png?width=935&format=png&auto=webp&s=73842070279db79f47a95b1d5c5b1eaeaef08498)
+
+**Even Credit Card debt growth is negative!**
+
+https://preview.redd.it/73j9n0fl14061.png?width=1585&format=png&auto=webp&s=6328ef22e4a84f0a32b419c35eeacc5238911d24
+
+# Premise 6: Banks are Loading Up on Safe Bonds While Retail Loads Up on Stocks
+
+If you are like me, you look forward to the H.8 data every Friday from the Fed (yeah right haha). A continuing trend in that data, month after month after month, is that major banks in the US have been loading up on bonds with no end in sight. They are piling more and more cash into safe assets, now up to a whopping $4.6 TRILLION in securities.
+
+[Source: https:\/\/www.federalreserve.gov\/releases\/h8\/current\/default.htm](https://preview.redd.it/tn38ss3p14061.png?width=1219&format=png&auto=webp&s=7dc1c06695685a883599315abc9e36047128e687)
+
+Meanwhile, retail traders (that means you) keep piling into stocks at all time highs. A record amount of cash was dumped into the market after the vaccine news breaks. I'm just gonna go ahead and call it now. This is the top.
+
+[Source: https:\/\/www.bloomberg.com\/news\/articles\/2020-11-13\/stock-funds-get-record-44-5-billion-inflows-on-vaccine-optimism](https://preview.redd.it/xogj0z2q14061.png?width=1314&format=png&auto=webp&s=c466b29277d6f047781fd9156bd476b3b1c011f1)
+
+# Premise 7: Unemployment is Still Sky High
+
+I bring this up just to reiterate another real-world metric that is gloomy as fuck and yet completely ignored from market valuations. Why are stocks breaking all-time highs when we still have MILLIONS more unemployed than we did this time last year? Hello McFly?
+
+https://preview.redd.it/jda435zq14061.png?width=1164&format=png&auto=webp&s=3929064c0e9d6ae120201ad4295e02cca2bdcf45
+
+# Conclusion:
+
+**Shit's fucked up son.** Real world economy is still in shambles. Market is more overvalued than it was during the DotCom boom. Still millions unemployed. The market is topping off and rejecting highs again and again. The Fed is not printing money and not backstopping assets, despite claims to the contrary. We are heading down, folks!
+
+**Positions:**
+
+**SPY 350p 12/18**
+
+**VXX 22c 12/18**
+
+Also anything else that strikes your fancy. IWM, GLD, SLV puts are all fine (dollar is going to rise). Longer dated TLT calls will print as well due to QE reducing bond yields, eventually. Go longer or shorted dated depending on personal risk tolerance.
+
+**Timing can be difficult. My strategy is to periodically enter bearish positions when short-term indicators look good, and hope to eventually time the major dump. If things begin to stabilize short-term I exit the position quickly with a small gain or, rarely, a small loss.**
+
+See: [https://www.reddit.com/r/wallstreetbets/comments/jkm5jq/the\_bears\_arent\_done\_folks\_these\_diamond\_hands/](https://www.reddit.com/r/wallstreetbets/comments/jkm5jq/the_bears_arent_done_folks_these_diamond_hands/)
+How would people recommend going about finding a partner with the same financial values as yourself (eg. general FI principles) given that money is somewhat of a taboo subject? Would you bring it up early on or just see how they behave and maybe bring it up later on in the ‘getting to know them’ process?
+I recently moved to US for work and I will be living here for the foreseeable future (>10 years).
+
+Currently, I have significant investments in my TSFA and investing account in Canada. I have read in blogs and other platforms that it is recommended to close these accounts prior to the move for tax purposes. Basically, I would have to pay Canadian tax and US tax, although I can claim Canadian tax paid as credit when I submit my US taxes. I still have student loans Canada with monthly payments. 
+
+My portfolio currently is
+
+\- 180K in the cash investing account; investments in AC 4%, AD 5%, BMO 9%, BPY 21%, MTY 1%, NWH 7%, PRV 7%, REI 8%, SRU 6%, TLRY 31%
+
+\- 214K in the TFSA; investments in AD 1.5%, BPY 8.5%, CM 8%, ENB 4.5%, HEXO 3%, LSPD 38%, MTY 3%, PRV 2%, REI 1%, SRG 7%, SHOP 21%, SRU 1.5%
+
+\- Yearly dividends from investments are 4000 in the cash account and 3500 in TFSA; this has reduced recently since BPY stopped giving dividends. 
+
+\- Government Loans 42K with payments of about 400 dollars and no interest till March 2022
+
+\- Bank loans 200K with payments of 500 dollars per month
+
+I want to optimize the tax situation and the assets I have at this time. Selling everything and moving it to the US would mean a lot of capital gains and taxes (specifically in TFSA which I would have to pay to the IRS). Paying off the loans makes little sense since I am averaging about an 8% dividend from my initial investments. I actually cover my loan payments at this time. Paying off would also mean I lose the opportunity to invest and grow that money.  
+
+Currently, I am planning on selling off investments slowly over the next few years so it doesn't increase my capital gains and I can transfer that money to the US while slowly repaying my loans.
+
+There are many options available but I am not sure what would be the best course of action. Any advice is appreciated.
+Good morning everyone,
+
+I already have Telus, CP, CNR and Aqn in my portfolio. I feel at this time all my dividend stocks are overvalued and i stopped buying more shares. Just dripping for now.  If anyone know any dividend growth stock thats selling at a decent pe and have positive fcf please suggest some. Thanks
+https://www.nytimes.com/2017/05/12/your-money/hot-stocks-can-make-you-rich-but-they-probably-wont.html
+
+ >a mere 4 percent of the stocks in the entire market — headed by Exxon Mobil and followed by Apple, General Electric, Microsoft and IBM — accounted for all of the net market returns from 1926 through 2015. By contrast, the most common single result for an individual stock over that period was a return of nearly negative 100 percent — almost a total loss.
+
+
+**This is assuming none of the other variables kick in first, inflation, bad job market, supply issues, stretched equity valuations, Covid crap, Russia Ukraine thing or Robin Hood collapsing... the list goes on right...** 
+
+**The only reason the FED is finally talking about raising rates is because inflation is starting to become really really bad. The truth is... there is too much DEBT out there and raising rates will be the final nail in the coffin... Once Rates Start to Rise the entire Global Fixed Income Market will crash like never before.** 
+
+**My argument is that the loss of value in fixed assets is going to be worse than the actual stress of a .25% raise on a small business - They seem to miss this point.** 
+
+**Part 1: Covers liquidity risks in the fixed income markers in general** [**https://www.reddit.com/r/Superstonk/comments/s7ndpb/the\_big\_liquidity\_issues\_in\_the\_fixed\_income/**](https://www.reddit.com/r/Superstonk/comments/s7ndpb/the_big_liquidity_issues_in_the_fixed_income/)
+
+**Part 2: Covers Treasuries and FED balance sheet**
+
+[**https://www.reddit.com/r/Superstonk/comments/sg0nty/i\_believe\_us\_treasury\_bonds\_are\_dogshit\_wrapped/**](https://www.reddit.com/r/Superstonk/comments/sg0nty/i_believe_us_treasury_bonds_are_dogshit_wrapped/)
+
+Remember when rates rise... bonds go down in value... we are too focussed on the index's but the fixed world is much much bigger... 
+
+[https:\/\/www.finra.org\/investors\/learn-to-invest\/types-investments\/bonds\/bonds-and-interest-rates](https://preview.redd.it/sj8eqp5h5ff81.png?width=2048&format=png&auto=webp&s=9aac05e0366d5becf76463c5147c725c44e0a526)
+
+  
+Investment in fixed income securities **typically decrease in value** when interest rates rise. This risk is usually greater for longer-term securities. 
+
+In 2020, U.S. long-term fixed income issuance reached $12.2 trillion, a 48.1% increase from the previous year. Mortgage-backed securities issuance increased by 96.2% to $4.0 trillion, followed by corporate bonds (+60.4% to $2.3 trillion) and Treasury securities (+32.7% to $3.9 trillion). U.S. long-term municipal bond issuance increased 13.6% to $484.5 billion, while federal agency securities increased 26.5% to $1.3 trillion. Asset-backed securities issuance volume fell 30.0% to $304.3 billion.
+
+source: [https://www.sifma.org/resources/research/fact-book/](https://www.sifma.org/resources/research/fact-book/)
+
+[Yeh... Fixed is way bigger than Stonks...](https://preview.redd.it/17w478ek3ff81.png?width=1292&format=png&auto=webp&s=6e5686aff1f4a999c55121a2a4129a1a9a16d152)
+
+The issuance is crazy and we are at the end of a 40 year bond bull market that is coming to and end. 
+
+[Total Fixed market is $119Trillion lol... ](https://preview.redd.it/yc4667wf7ff81.png?width=1420&format=png&auto=webp&s=abb3f8b84d124489a684a76c7ebbb8bfbf72163b)
+
+This IBD Piece talks about 13 U.S COMPANIES with $1 trillion in cash. 
+
+[https:\/\/www.investors.com\/etfs-and-funds\/sectors\/sp500-companies-stockpile-1-trillion-cash-investors-want-it\/](https://preview.redd.it/zw133yax5ff81.png?width=1602&format=png&auto=webp&s=e14c3c2b7d0725565e7515652f51efdd4eb3d0c1)
+
+As posted above, corporate debt issued last year was $2.5 trillion. **So if you took all the cash out there, and all the bonds - theres no way these large U.S companies can pay all that DEBT back.** And the greedy bankers just printed bonds for years and years and years (Looking at you Evergrande).
+
+[https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/is-the-us-corporate-debt-mountain-something-to-worry-about#:\~:text=Add%20it%20all%20up%20and,according%20to%20Federal%20Reserve%20data.](https://preview.redd.it/rnl0kbdo6ff81.png?width=1408&format=png&auto=webp&s=d5893c71b35ca57eb7d864229458e2fa3c265f2e)
+
+Once the FED raises rates, the price of bonds will have to come down. This will effect every Fixed asset out there. The FED would rather have crazy high inflation than raise rates. The accounts will lose value and marge will call. 
+
+**TLDR: Raising rates will be the final nail in the coffin if MOASS has not started by then.** 
+
+P.S Financial Advisors are too retarded to realize that a 50/50 stock bond pf had a 7% annualized return because of this - 50/50 bond/stock portfolios are going to be toiler paper going forward and it makes the whole DTCC business sort of worthless. The FED loses power as their treasuries are not worth shit. 
+
+$1,000,000 at 1.78% is $17,800 a year - for $1million invested, and they havn't been hit yet. 
+
+[The Bond Market Rally is over....](https://preview.redd.it/onmu7baa8ff81.png?width=1742&format=png&auto=webp&s=9e48f4cdf5d4cc18f25644af75909468dcb01f45)
+
+MOASS incoming... Make sure to DRS!!! NOT FA \_
+I'm all in. I work overtime solely to afford more shares. This is a fucking war, our one shot at a better world. I've quit drinking, smoking cigs and weed. Cut down on every expense and sold anything that isnt essential over these last 18 months. I do this cause I know I'll be able to live a better life after, every extra share is more people I can help. This is the most monumental and life changing event that may ever occur for us little fish, and you're dumping thousands on NFTs?
+
+DRS EVERY FUCKING SHARE
+Hey fam,
+
+I have a outstanding mortgage of $450K on my home, however recently my online business exploded and I now have enough to pay off at least 70% of above mortgage.
+
+I am at 4.34% interest rate due to low doc loan (my credit file has small default $8k in Jan 2016) it will be deleted this January.
+
+I am not sure if I am better off paying down this mortgage or Investing in ETF etc
+
+Cheers
+Like most people, I don’t hold banks in high esteem. I use them because I must and try to avoid giving them any more of my hard earned $$$ than I need to. Then something happens that makes me think, wow I can’t believe a bank did something good!      
+      
+We refinanced our mortgage to Macquarie Bank earlier this year for a significant rate savings. It was structured as a fixed/variable split and each came with an offset account already linked to it. Although the process took longer than expected (3 weeks dragged out to almost 3 months) it eventually settled and we happily started to put money into the offset account and used it for everyday banking just like our previous bank (eg salary deposits, conduct transactions).      
+      
+Having banked with the other Big4s and ING the experience from the start was noticeably better. Apple Pay support, excellent digital presence (app and internet banking), local customer service staff. When we went traveling their debit MasterCard offered no fee ATM withdrawals and pretty much the spot rate on all conversions. All ticks in my books.      
+      
+Fast forward to two days ago we get a call from Macquarie Bank. We were in the middle of something and couldn’t talk but the rep insisted it was important so we called him back later. He informed us that the money we had been putting into our offset account was actually linked to the fixed component of our loan and the money IS NOT offsetting any interest at all.      
+      
+WTF!?!?      
+       
+Anyway, we inform the rep that this was not made clear to us at all when we set up the loan and asked if they can refund the extra interest we have been paying since the loan started. The rep says “maybe” and that it could take time for them to do the calculations...      
+      
+Ok fine. Our bad anyway. We immediately moved our money into the other offset account (wondering why they would even offer an ‘offset’ account against a fixed loan if it doesn’t do what it says) and quietly mourn the loss of a sum that is enough for a short holiday.      
+      
+However, the next day the rep calls us back and informs us that they have worked out the extra interest we have been paying and will refund it to us! We are stoked. It’s like finding cash in the pocket of last year’s winter coat. Our opinion for Macquarie Bank has risen a notch and we probably won’t dodge their calls so quickly next time they ring.      
+      
+When we asked how the bank knew to call us about this mistake they said they were running analytics on customers’ loans to detect anomalies and actively campaigning to call them to correct it. A bank actively working for their customers’ best interest.. imagine that? If it takes a Royal Commission to shine a light on this industry’s shady practices then bring it on!      
+      
+Tl;dr - Bank error in our favour. Collected $200+.      
+
+Right now my portfolio is 70% VOO 15% JEPI and 15% O. I keep hearing that holding JEPI is bad for someone my age as it gets taxed. I'm making 63k a year before taxes, am I gonna get taxed alot? I just really like holding dividend stocks because the monthly payouts triggers the happy chemicals in my brain. Any guidance would be appreciated 😊
+I’m currently holding some VNQ to add some diversity to my Roth IRA with REITs, however, I’ve come across SCHH, a REIT ETF from Charles Schwab, that happens to have a lower expense ratio (0.07% vs 0.12%) the return on them year to day is not higher than VNQ, but they are also at a lower price which could be interpreted as 2:1 ratio when compared to the current price of VNQ. Would you guys switch over to SCHH for a long term play with less expense ratio, cheaper price, and a 21% difference in all time return? (SCHH 100% vs VNQ 121%) 
+
+In a nutshell, should I switch to have more stocks since I’d get double the return for having 2 shares of SCHH vs owning 1 from VNQ
+I have 40 shares of VYM with an ave cost of $40 in my portfolio from 2011. I’ve had them on drip for years now as I started with 25 shares from a 1k work bonus. 
+
+My gains are sizable at this point and it’s getting to the end of the year. 
+
+If I plan to not touch this balance for another 30 years, do you all think I should sell and roll into SCHD?
+Holy shit. The nsadaq is down a whole 2.5% right now. SP500 is almost 1.5 and the Dow is down a little under 1%. Whats going on? I know the market is overvalued right now, but I didn’t think it would drop this fast or this soon. Is there another reason so many people sold today?
+I'll make this simple. It's been covered before, but DE statutes allow "Any stockholder, in person or by attorney or other agent, shall, upon written demand under oath stating the purpose thereof, have the right during the usual hours for business to inspect for any proper purpose, and to make copies and extracts from: (1) The corporation’s stock ledger, a list of its stockholders, and its other books and records" ([https://delcode.delaware.gov/title8/c001/sc07/](https://delcode.delaware.gov/title8/c001/sc07/))
+
+I know we already have apes in the field making trips to HQ. My experience in the legal world tells me they'll blow off every ape that makes this request either in person or by certified mail. However, it's much different coming from a law firm.
+
+So here's the idea: Let's crowdfund and hire a firm to make and complete this request. Just from a quick search, there are multiple firms that could assist with this. Even at astronomical rates, this shouldn't require more than a $5,000 retainer. I have $1,000 on it.
+
+And no, we're not manipulating the market this way.
+
+Edit 1, 2, 3: Already in contact with a few firms to set up initial consultations. 66% upvote rate. 69% (nice) upvote rate now. Holding steady at 77%. Are we onto something here? If this gets enough commits in the comments, I'll set up the gofundme or whatever method we want to do this.
+Good Morning Apes !
+
+Absolute rip this morning in German market. I expect some more similar action leading into 9:30pm in the pre-market. If the SHFs want to price retail/and longs out of the options chain there best bet is to move the price hard and early to spike IV. This could be difficult if they can't get enough liquidity in the pre-market.
+
+If you want a more in-depth look at this weeks TA [check out the weekly DD](https://www.reddit.com/r/Superstonk/comments/pn3ryv/too_many_shares_to_stuff_in_my_cellar_and_forward/)
+
+Join us in the Daily Livestream [https://www.youtube.com/c/PickleFinancial](https://www.youtube.com/c/PickleFinancial)
+
+Or listen along with our live audio feed on [Discord](https://discord.gg/HbqnUVsSrH)
+
+[Exit DD](https://www.reddit.com/r/Superstonk/comments/nogxnr/infinity_war_the_final_exit_dd_compilation/) for those that want an idea of what to expect when this all goes down
+
+(save these links in case reddit goes down)
+
+*(this post will read from top to bottom)*
+
+(*feel free to ask me questions below, but if you can google it yourself please use common sense)*
+
+Historical Resistance/Support:
+
+116.5, 125.5, 132.5, 141, 145, 147.5, 150, 152.5, 157 (previous ATM offering), 158.5, 162.5, 163, 165.5, 172.5, 174, 176.5, 180.5, 182.5, 185, 187.5, 190, 192.5, 195, 196.5, 197.5, 200, 209, 211.5, 214.5, 218, 225.20 (new ATM offering) 226, 232.5, 235, 242.5, 250, 255, 262.5, 275, 280, 285, 300, 302.50, 310, 317.50, 325, 332.5, 340, 350, 400, 483, moon base...
+
+# After Hours 
+
+Burry tweets and rips it's been a good one with steady growth throughout the day. I definitely was looking for them to spike IV but it's possible the gamma ramp is to daunting. Tomorrow marks t+2 from the massive $200 put position that was closed last Friday so I expect we will see some action on that front. There current strategy should be to try to bleed the gamma ramp till late Wednesday or Thursday and then cover, or they are fucked and will be forced to cover after the contract expires, or I'm a complete idiot and there are no futures contracts. Only time will tell. Thank you all for tuning in. See ya tomorrow. 
+
+\- Gherkinit
+
+Edit 8 2:29
+
+BARR played out nicely on the intraday moving up
+
+https://preview.redd.it/c1b788jgdbn71.png?width=1593&format=png&auto=webp&s=41e077c3ac164a6e67e9a1402e9cf84dff377400
+
+Edit 7 1:21
+
+RIpping? Also Burry's 13b reference might be the FTC rule 13b
+
+https://preview.redd.it/xellecvh1bn71.png?width=1590&format=png&auto=webp&s=cff833c86e45024914370ded22634acf3f31d795
+
+Edit 6 12:55-12:69
+
+Longs are buying in hard at ITM strikes 140-160-190-195 all with increased OI in the last hour looks like they are gonna push their ramp even if the shorts don't want to. All the money from the gamma ramp for these last 6 weeks has been rolled out to the 17th, This is definitely showdown time!
+
+https://preview.redd.it/617ikgpywan71.png?width=1609&format=png&auto=webp&s=72df7379e807f0e2cb836674573456bcac2e9777
+
+Edit 5 12:35
+
+Continuing this uptrend back to 200 as slowly as possible, definitely some of the BARR effect as we see the price climbing with much more stability
+
+https://preview.redd.it/rr2xhtd7tan71.png?width=1589&format=png&auto=webp&s=5341076434522519c335def2b43d3546777c8c83
+
+Edit 4 10:48
+
+Market coming back and GME coming out of the Head and shoulders on the 1m
+
+https://preview.redd.it/pzxd3y10aan71.png?width=1601&format=png&auto=webp&s=9ce400c47914ccec79312263d6ae7f57abed2bd9
+
+Edit 3 10:07
+
+Light rejection at $200 a bounce on the EMA 20 would lead to a second test pressure is solid but the volume is low
+
+https://preview.redd.it/8wu6actr2an71.png?width=1588&format=png&auto=webp&s=87bfdd52dd1645e204922da5fbb96f9fc1358647
+
+Edit 2 10:00
+
+Broke away from the 195 resistance towards the start of that ramp at $200 ...more up
+
+https://preview.redd.it/l6uqtoxi1an71.png?width=1580&format=png&auto=webp&s=bdc32ee35a72598853afeb8922903a974603b300
+
+Edit 1 9:49
+
+Quick run to 195 then a SPY dump dragging us down let's see if some of that free capital comes our way
+
+https://preview.redd.it/f4qcd5whz9n71.png?width=1584&format=png&auto=webp&s=e728a380617b5cfc59dba4072d53924e72d60a5c
+
+# Pre-Market Analysis
+
+Edit 1: Fidelity now at 1.280M shares to borrow
+
+German market took off like crazy this morning (well crazy for the German market at least) hitting a test of 195 right out of the gate. We still have a solid gap to fill up to 200. However the shorts have already borrowed around 250k shares this morning or 3.2million depending on how accurate Fidelity's data was. With IBKR showing 5k to borrow and Fidelity showing 533k. Although I checked fidelity last night and the 3.6 million additional shares seemed to have disappeared.
+
+[pre-market on the 1m](https://preview.redd.it/8aeqfa95n9n71.png?width=1581&format=png&auto=webp&s=f091a02e22b2ddeafccdc24d111d1fb7daaef677)
+
+I'll be checking CV\_VWAP at open for signs of arbitrage with that big of a bounce in the German Market we may see some.
+
+**Disclaimer**
+
+*\* Although my profession is day trading, I in no way endorse day-trading of GME not only does it present significant risk, it can delay the squeeze. If are one of the people that use this information to day trade this stock, I hope you sell at resistance then it turns around and gaps up to $500. :)*
+
+*\*My YouTube channel is "monetized" if that is something you are uncomfortable with, I understand, while I wouldn't say I profit greatly from the views, I do suggest you use ad-block when viewing it if you feel so compelled.* *My intention is simply benefit this community. For those that find value in and feel compelled to reward my work, I thank you. For those that do not I encourage you to enjoy the content. As always this information is intended to be free to everyone.*
+
+\**This is not Financial advice. The ideas and opinions expressed here are for educational and entertainment purposes only.*
+
+\* *No position is worth your life and debt can always be repaid. Please if you need help reach out this community is here for you. Also the NSPL Phone: 800-273-8255 Hours: Available 24 hours. Languages: English, Spanish.* [*Learn more*](https://suicidepreventionlifeline.org/)
+Hey friends. The market is green AF and the majority of the biopharm pennies are running right now. I’m sure most of you have noticed this. 
+
+Almost all the previously $1 range or even sub $1 pennies discussed on r/pennystocks over the last month are running. A lot of them are running hard. Many seem to be doing so without catalysts. 
+
+So, what’s happening? I think at the moment we are living in a biopharm penny bubble. My guess is it’s a combination of the very green market, the trillion dollar stimulus on the horizon, OCGN (an OG r/pennystocks play) making such a stellar run and people still feeling the GME buzz and thinking that reddit hype is driving stocks. 
+
+It is always important to do DD. But now more than ever, I wouldn’t jump into anything that has made a huge run in the last 24 hours without some extremely solid DD. You may get left holding some heavy bags. 
+
+I would love to hear what others think about this, but I feel a cool off coming. I think a lot of these gains are unlikely to hold until next week. Especially those running without catalysts and getting sympathy runs. 
+
+I’m predicting some juicy offerings this week and a massive penny sell off on Friday before the end of afterhours trading. At least, more offerings and sell offs than usual 😂
+I recently did quite a bit of research on "all-in-one" ETFs (ETF of ETFs). There are a couple ETFs Vanguard that cater to different risk tolerances but given **my age (19)**, **I'd like to direct most of my money into** [**VEQT**](https://www.vanguard.ca/en/advisor/products/products-group/etfs/VEQT) **(100% equities).**
+
+First, even though sources and opinions are pretty conclusive that all-in-one ETFs are a good bet, what is everyone's thoughts?
+
+**Second**, this might be a super simple question that I'm overcomplicating, but, assuming at 19 I put most (or all) of my funds in VEQT, which is 100% equities and 0% bonds, what do I do when I'm getting older?
+
+Do I... just sell all my VEQT and put it into the all-in-one VGRO (80/20 split)? I'm "supposed to" continue to favour a higher bond ratio, so, do I keep selling the previous all-in-one ETF as I get older and buy safer ones like VBAL, VCNS, etc.? Or, do I keep them and just invest all new contributions into the safer options?
+
+I hope I explained my question clearly. Thank you in advance
+No, it's not what you might be thinking.
+
+My father and I have a stellar relationship, and he is literally my life.
+
+However, we own a beautiful large property in Tuscany with a pool, 30ha of land, olive oil, red wine and grappa produce, as well as a license to build a restaurant.
+
+For context, here's the property https://abnb.me/2yGLQlssoqb
+
+We own it with my uncle, and my father and him have a horrible relationship. So the property makes no money because it's unmanaged.
+
+Having 15 years experience in business, I know exactly what to do and how to execute on a strategy that will net a conservative €50k / month in gross profit. It would involve renting the whole property as a luxury retreat, high level catering and sales of own produce. I don't even account a restaurant income, because this will require an additional investment.
+
+The problem is that my father wouldn't let me execute on that because my uncle would never accept me running the business. Even if that meant making him money - I know, it makes zero sense. Italian drama, I guess.
+
+The property is worth in the region of €2M (or $2.3M) and I'd love to buy my uncle out and get a management contract going with my father so I'm fully in control. Or eventually buy my father out too.
+
+However, my father wouldn't let me do that and he would rather sell to a third party than to me. Which I'm sort of fine with, although it would be a shame because I know exactly how to make this luxury cash cow that requires limited effort (and I love semi passive income).
+
+The property is just going on the market and I'd love is someone would have some advice on how to act in such situation?
+We'll start with Ken and Corporate. MF1 and MF5.
+
+https://reddit.com/link/w1l6ri/video/jurfl1yks7c91/player
+
+Let's see what MF3 (Lisbon Spain plane) has been up to....
+
+​
+
+https://preview.redd.it/kswfg61ws7c91.png?width=1136&format=png&auto=webp&s=615fa886a1f32cbbb5167124fdbfad7759df624c
+
+Barcelona to Luanda
+
+https://preview.redd.it/3v95eyx3n7c91.png?width=1850&format=png&auto=webp&s=b20e21ce6553d1abfc9920d5947b06a9f5480ed7
+
+​
+
+Luanda to Lusaka
+
+https://preview.redd.it/xk6jst9us7c91.png?width=1890&format=png&auto=webp&s=a1ec695df5d177b3db3023a3f88ad6c4a5c56249
+
+Lusaka to Luanda
+
+https://preview.redd.it/f5udlucbn7c91.png?width=1858&format=png&auto=webp&s=769672d189fbabe2adac3bc2093b793fe04a05c4
+
+Luanda to Johannesburg
+
+https://preview.redd.it/sfe2sg0dn7c91.png?width=1850&format=png&auto=webp&s=6dc6feb837b403ae2e1ed623daa72ca7edc596b9
+
+Johannesburg to Luanda
+
+https://preview.redd.it/x8mh36ien7c91.png?width=1850&format=png&auto=webp&s=b6207f19fd36fa3793791ea3ade29081d907e918
+
+​
+
+Luanda to Lusaka
+
+https://preview.redd.it/9da7q2yin7c91.png?width=1852&format=png&auto=webp&s=84aca67290eb1d445dfe9b4247e485d078d880c2
+
+Lusaka to Luanda
+
+https://preview.redd.it/62kofj6ln7c91.png?width=1838&format=png&auto=webp&s=c4e9677ce1cf79a670bf63cdf93d67183b136344
+
+What the fuck is so popular in Luanda, Angola? 
+
+We already know what's in Lusaka, Zambia. That's why Ken and all his friends (including Bezos) keep going there.
+
+​
+
+Here's a list of 5 more suspicious planes I watch:
+
+N145QS
+
+N148QS
+
+N152QS
+
+N158QS
+
+N160QS
+
+And here is where to see who might be on them. They are co-owned like MF2 is.
+
+[https://registry.faa.gov/aircraftinquiry/Search/NNumberInquiry](https://registry.faa.gov/aircraftinquiry/Search/NNumberInquiry)
+
+\- input their number into the search area -
+
+​
+
+Here is their flight history in visual form (They've been VERY active lately).
+
+[https://globe.adsbexchange.com/?icao=a326ca,a0b6b2,a0c1d7,a0d30c,a0e956,a0f31d&lat=15.604&lon=-43.388&zoom=2.5&showTrace=2022-07-13](https://globe.adsbexchange.com/?icao=a326ca,a0b6b2,a0c1d7,a0d30c,a0e956,a0f31d&lat=15.604&lon=-43.388&zoom=2.5&showTrace=2022-07-13)
+Hello everyone,
+
+I just came back from talking to an investing advisor from a big bank and he was explaining to me the difference between mutual funds and ETFs.
+
+Other than the usual lower costs for ETFs that he acknowledges, he mentioned that when you buy an ETF, you aren't actually buying the underlying stock, but rather buying a piece of paper from the financial institution that issues the ETF.
+
+What this means is that if the underlying institution goes bankrupt, you do lose all your money.
+
+Is this true? Or is he just bullshitting me to try to buy his bank's mutual fund?
+
+
+Relatively new to investing, having only started a year a go and not invested much since Feb of this year, only adding BB to my Portfolio yesterday.   
+
+
+My plan is to invest €75-100 p/w.  
+
+
+I am looking for advice when it comes to Irish tax and Investing, is the Portfolio below suitable? I have been steering clear of ETFs having started out with purchasing them, the deemed disposable and higher exit tax has been putting me off. I have looked at possible investing in (BRK.B) Berkshire Hathaway as a make shift ETF as it's classed as a stock, or since I use Trading 212 to trade making use of their pies and creating my own 'personal ETF' and DCAing into that each week.   
+
+
+1. My main questions are is this an effective investing strategy in Ireland.  
+(Buying 10-15 stocks each week DCA, and possibly cherry picking some if they look good which I did with GEVO and VUZI.)  
+
+2. Am I diversified enough, is there any area's that I have failed to invest?  
+
+3. Should I steer clear of ETFs entirely and focus on single stocks.  
+
+4. Are there any similar stocks to BRK.B that are effectively and ETF but are considered as a stock.   
+
+
+\*All money invested is money that I am willing to lose, I have no debt and have a separate savings account outside of the market with 8 months expenses.\*
+
+Any general advice would be appreciated, and thank you in advance!    
+
+
+***Portfolio:*** 
+
+*Stocks:*  
+AMC: 10%  
+VUZI: 10%  
+GEVO: 7%  
+NIO: 7%   
+BB: 7%  
+FUV: 5%   
+HVBTF: 5%  
+CCL: 5%  
+MARA: 4%  
+PLTR: 4%  
+
+
+ETFs: 15%
+
+<10%  
+(BABA, ABML, IVR, RDSA. KNDI, SOLO, GE): 0.5% - 3.5%)  
+
+
+*Crypto:*  
+BTC: 7%
+**Edit: If you don't like the idea of someone making 64k in 1989, cut all numbers in half.** Imagine someone making 32k, saving 12k/yr, spending 20k in retirement on a 500k portfolio, etc. **All conclusions will be the same, merely the face value of the dollar amounts would be cut in half.**
+
+Why did I choose 64k? Because it leaves 40k behind after arbitrarily choosing 24k to save. The 40k number—and the $1M FIRE number that flows out of that—have resonance in this subreddit and make the raw numbers more intuitive  to a 2020s audience.
+
+**Edit:** I have included numbers cut in half *(in italic parentheses)* for those who state the 64k number is unrealistic. Again, none of the conclusions of the post are different as a result of dividing by 2. 
+
+****
+
+# Intro
+
+We each only have one life, but I think it can be instructive to imagine yourself in other contexts to evaluate how those situations make you feel so you may be better prepared to handle them if they happen to you. To that end, I wanted to explore a particular hypothetical Gen Xer's experience. Someone who started saving in 1989 saw a particularly difficult set of returns at key points in their investing journey. All values are inflation-adjusted and include reinvestment of dividends. For simplicity, taxes are omitted. 
+
+# Saving for Retirement
+
+Imagine someone born in 1969 who gets their first real job in January 1989 making $64,000 *(use $32,000 if you think $64,000 is unrealistic, the conclusions are unchanged)* in 1989 terms.
+
+This person saves $24,000 *($12,000)* each year, with an inflation adjustment, allowing them to spend the remaining $40,000 *($20,000)*. Using the 4% rule of thumb, they set a FIRE target of $1M *($500k)* in 1989 terms. It took this saver [a little over 23 years](https://imgur.com/kE3llrd) [*\(32k graph\)*](https://imgur.com/FDotrFF) to reach this target ([source](https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=2&startYear=1989&firstMonth=1&endYear=2012&lastMonth=2&calendarAligned=true&includeYTD=false&initialAmount=1&annualOperation=1&annualAdjustment=2000&inflationAdjusted=true&annualPercentage=0.0&frequency=2&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&asset1=TotalStockMarket&allocation1_1=100)).
+
+There are a few things to note:
+
+* The saver gets *this* close to the target in October 2007, but in hindsight is perhaps relieved they did not retire then.
+* In February 2009, the saver's portfolio is worth $486,299 *($243,151, discrepancy due to rounding)* after having put $484,000 *($242,000)* of contributions into the account.
+
+**After 20 years of investing, the saver's portfolio is worth only** ***$2,299 ($1,151)*** **more than their total contributions to date.**
+
+Stop and think about that for a second. You diligently save for 20 years and end up just one month of contributions ahead of where you'd have been if you had gotten zero real return. If anything in the financial world is discouraging, this is it. 
+
+Having seen this, my mind immediately turned to prior work examining [de-risking with bonds](https://www.reddit.com/r/financialindependence/comments/dnw72j/dynamic_asset_allocation_for_optimal_accumulation/) as your portfolio gets close to your FIRE number in order to reduce the impact of a market crash as you get close to your number. 
+
+Let's say the saver takes this to heart and decides that once they hit 70% of their FIRE number, they'll rapidly shift their portfolio to their retirement asset allocation of 60% stocks and 40% bonds. For this retiree, this event happens [right at the end of 1999](https://imgur.com/j21KJZk) [*\(32k income graph\)*](https://imgur.com/A1AhMhF), which in hindsight is very nice timing regarding what happened in the early 2000s. 
+
+If we take a look at the path of $703,731 *($351,868, again, rounding)* dollars invested at the beginning of 2000 (with $2000/mo *[$1000/mo]* continued contributions), we can see that the de-risked portfolio [hits $1M *($500k)* at the end of May 2007](https://imgur.com/q4qYjlO) [*\(500k graph\)*](https://imgur.com/J47xpqu) ([source](https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=2&startYear=2000&firstMonth=1&endYear=2012&lastMonth=2&calendarAligned=true&includeYTD=false&initialAmount=703731&annualOperation=1&annualAdjustment=2000&inflationAdjusted=true&annualPercentage=0.0&frequency=2&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&portfolioNames=true&portfolioName1=100%25+Stock&portfolioName2=60%25+Stock%2C+40%25+Bond&portfolioName3=Portfolio+3&asset1=TotalStockMarket&allocation1_1=100&allocation1_2=60&asset2=TotalBond&allocation2_2=40)). (As an internal control, we can see that the 100% stock portfolio hits $1M *($500k)* at the same timepoint as before, early 2012). 
+
+**Using timely de-risking of the portfolio, the retiree hits their FIRE number about** ***5 years sooner*** **than if they had kept a 100% stock portfolio.**
+
+# Spending in Retirement
+
+The good news: the de-risked saver gets to retire 5 years earlier! The bad news: it's in mid-2007. We all know what's around the corner for this 38-year-old retiree.
+
+For simplicity of comparison, this next section assumes retirement at the beginning of 2007 and that the retiree was somehow able to get $1M *($500k)* exactly regardless of their portfolio type. Let's now compare three different approaches: 
+
+* a 100% stock portfolio with a 4% withdrawal,
+* a 60/40% portfolio with a 4% withdrawal, and 
+* a 60/40% portfolio using [Variable Percentage Withdrawal](https://www.reddit.com/r/financialindependence/comments/itvn14/variable_percentage_withdrawal_a_workable_plan/). 
+
+When comparing 100% stock to the 60/40% portfolio, the latter has certainly had [a smoother experience since 2007](https://imgur.com/SgDhOYC) [*\($500k graph\)*](https://imgur.com/FM99qJ2) ([source](https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=2&startYear=2007&firstMonth=1&endYear=2021&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=1000000&annualOperation=2&annualAdjustment=40000&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&portfolioNames=true&portfolioName1=100%25+Stock&portfolioName2=60%25+Stock%2C+40%25+Bond&portfolioName3=Portfolio+3&asset1=TotalStockMarket&allocation1_1=100&allocation1_2=60&asset2=TotalBond&allocation2_2=40)). At the beginning of 2009, the 60/40% retiree is withdrawing around 5.2% of the remaining portfolio value at that time compared to 6.7% for the 100% stock retiree. It's been a hair-raising experience for the 100% stock retiree, and the SWR-style of withdrawals gives no explicit guidance for whether and how much to cut back during bad years. Similarly, the 100% stock retiree doesn't get any instruction on whether or when it's safe to increase their spending to take advantage of some clear growth in the portfolio in the late 2010s. 
+
+Let's look now at the experience of the VPW retiree with a 60/40% portfolio. They input a $2000/mo *($1000/mo)* social security payment coming when they are age 70, which roughly matches the inflation-adjusted payout of someone working from 1989 to 2006 making an inflation-adjusted $64,000 *($32,000)* (1989 dollars) through their career. 
+
+Starting in 2007, the VPW Worksheet tells them to withdraw [$45,817](https://imgur.com/XicphFc) [*\($22908, rounding\)*](https://imgur.com/ylmWN6G) from their portfolio. This is a substantial benefit over the $40,000 *($20,000)* the SWR-style retiree takes (15% more!), but it comes with a downside. The retiree needs to be prepared for a reduction in spending to at least $32,415 *($16,207, rounding)* in the event of a market crash. 
+
+Recall that in the parallel universe of SWR-style withdrawals, this retiree was willing to take only $40,000 *($20,000)* from the $1M *($500k)* portfolio. So a required flexibility down to $32,000 *($16,000)* represents a 20% haircut from that level of spending. I don't know about you, but I think that having a discretionary spending amount of 20% of my overall spending is eminently reasonable. 
+
+[When we track what happens over time](https://imgur.com/649pThs) [*\(500k chart\)*](https://imgur.com/3VRtcsr), we can see that the market crash of 2008-9 truly did have a substantial impact on spending during that time. For a few years, the retiree is spending less than $40,000 *($20,000)* and at the beginning of 2009 they're taking a $35,041 *($17,521, rounding)* withdrawal from a portfolio that's fallen to $739,252 *($369,626)* (4.7%). While certainly no fun, they are still enjoying around $3,000 *($1,500)* of discretionary spending above their starting "flexibility" number of $32,000 *($16,000)*. 
+
+More tellingly, their total amount spent over the 15 full years since retirement has been $698,734 *($349,367)* compared to the $600,000 *($300,000)* spent by the SWR-style retirees. **That is to say, the VPW retiree has gotten to spend** ***16% more*** **than the SWR-style retiree over this period.**
+
+# Conclusions
+
+* Bad market returns can make a mockery of even the most diligent buy-and-hold, day-in-day-out investor. Someone investing periodically from 1989 to the bottom of 2009 saw almost zero real return on their investment despite taking no breaks in their investing behavior and doing all the right things.
+* De-risking the portfolio near your FIRE number can substantially mitigate the impact of a market crash on your FIRE timeline, saving 5 years of work for this particular retiree.
+* Retiring at a bad time can significantly increase the stress of retiring using SWR-style approaches. Even conservative allocations like 60/40% can lead to uncomfortably high withdrawal rates. 
+* If one is able to tolerate a *reasonable* amount of variability in their spending, Variable Percentage Withdrawal can provide substantial upside in the (probable) case that the market provides high returns in the long run that cause the portfolio to grow substantially.
+It has to be said: an overwhelming amount of crypto “influencers”  are no better than used car salesmen or snake oil salesmen.
+
+Their enthusiasm during bull runs is almost never curbed by the principles of sound investing practices.  
+
+Guys like James from Investanswers try to sound responsible by advocating for diversification within the Crypto world, while at the same time publishing hour long videos “analyzing” data which proves how one can retire by 2035 on “X” coin because “charts.”
+
+These are the people who pump coins (Terra Luna), claiming future price points of $80k while not being able to identify even a single red flag.
+
+These are the same people who advocate for giving up your keys to companies like Celsius to earn a nearly risk free yield.
+
+But they aren’t culpable of anything because they start their videos with “this isn’t investment advice.”  What they should say is “this isn’t good investing advice.”
+
+It’s easy to look smart in a bull market, but it’s when the tide goes back out when we find out who was swimming naked.
+I would like to share some alarming signs of Bitcoin price manipulation.
+
+
+Bitcoin price is about 10 times of what it was a year ago. The exchange that decisively sets Bitcoin price is Bitfinex, a secretive institution with unknown beneficiary structure and place of organization.
+
+
+https://pbs.twimg.com/media/Cs0oGXQWAAAqMRZ.jpg
+
+
+Bitfinex had its wire services suspended by Wells Fargo in April.  To resume trading, Bitfinex enlisted the help of Tether, another company with unknown beneficiary structure and place of organisation, but based on announcements is likely under common share holder control with Bitfinex.  Tether sells crypto-tokens known as USD Tethers, or USDTs, that are purportedly backed by an equal number of US dollars.  In other words, each USDT is a digital good priced at USD 1.00.
+
+
+Despite the promise of "100% reserve" and the vague reference to "24×7 access to your funds" on Tether’s website, there is no contractual right, either tacit or express, for one USDT to be redeemed for one US dollar.  It is probably through this legal construct that Tether hopes to characterise its USDTs as digital goods and not "convertible" virtual currency covered by FinCEN regulations.
+
+
+The invention of USDTs led to the proliferation of numerous crypto-currency exchanges.  Examples include Bitfinex, Binance, HitBTC, KKex, Poloniex, and YoBit.  Instead of providing crypto-to-fiat trading pairs, these "coin-to-coin" exchanges offer crypto-to-tether trading exclusively.  Therefore, USDTs not only help these exchanges remove the need for formal banking arrangement, but also enables these exchanges to organise in lesser known jurisdictions (e.g., the Republic of Seychelles) and operate outside of the regulation and supervision of major economies.  Most of these exchanges claim to screen-off visitors from the United States and other countries with laws on coin-to-coin trading, but the screen-off is often perfunctory. In almost all cases, the screen can be defeated with a simple mouse click.
+
+
+It is doubtful that these exchanges perform meaningful due diligence beyond identity verification to combat money laundering, financing of terrorism, and corruption of politically exposes persons. Bitfinex, for example, requires no identity verification at all for most trading activities and imposes no trading amount limits on unverified accounts.  The enablement of these exchanges where rampant money laundering is possible is outside of the scope of this note. Instead, I would like to bring to your attention the distinct possibility that Bitfinex, as the likely controller of Tether, is a bad actor.
+
+
+Strong circumstantial evidence suggests that Bitfinex is creating USDTs out of thin air to prop up Bitcoin prices.  Namely, Bitfinex is likely acting as a central bank that issues a fiat money called USDTs. The sole mandate of this central bank is to enrich itself through market manipulation.
+
+
+https://i.imgur.com/b1Pdsq9.jpg
+
+
+The first image (above) illustrates how mysterious amounts of USDTs were minted and injected into Bitfinex at precise moments when a crash seemed imminent.
+
+
+https://i.imgur.com/jAyPlF8.jpg
+
+
+The second image (above) illustrates a strong correlation (but admittedly not causation) between the total amount of USDTs in circulation and Bitcoin price.
+
+
+Bitfinex released an internal memo in September to allay concerns that USDTs might have been created at will.  The memo purportedly shows that Tether maintained sufficient US dollars to match all USDTs in circulation as of a day in September.  The memo, however, is of no probative value.  Among other strange things, the author of the memo didn’t verify with banks (names redacted) that account balances from Tethers were in fact correct, couldn’t promise that the balances weren’t overnight borrowings for purposes of producing the memo, and couldn’t promise that Tether indeed had access to those funds.
+
+
+I therefore urge you to consider the possibility that the current price of Bitcoin is the result of Bitfinex’s manipulation and may collapse when regulators take action.
+
+
+For example, Tether is almost certainly an administrator of virtual currency — it centrally puts into and withdraws from circulation USDTs, a virtual currency squarely intended as a substitute for real currency as admitted by Tether in the internal memo.
+
+
+Tether has nominally registered as a money transmitter with FinCEN, but it is unclear if they fulfill any of the BSA filing requirements (e.g., filing SARs).2 As a company, Tether’s USDTs enables large crypto-currency exchanges (including US-based exchanges like Poloniex) to exist and powers trades thereon in the amount of millions every day.  So it wouldn’t be surprising if FinCEN eventually decides to enforce its rules against Tether as it did against Liberty Reserve.
+
+
+Further, CFTC approved recently various swap execution facilities, designated contract markets and derivative clearing organizations with Bitcoin flavor.  And the Chicago Mercantile Exchange is expected to launch cash-settled futures on Bitcoin soon.  Manipulation of Bitcoin prices referenced by these entities is prosecutable by the CFTC, an agency with broad statutory authority to prosecute manipulation of commodity prices under the Commodity Exchange Act (including Section 753 as amended by the Dodd-Frank Act.).
+
+
+Although none of these CFTC-registered entities are currently including Bitfinex in the calculation of their Bitcoin reference rates (CME used to), it is well understood and could be easily established (partially because of the transparency of Bitcoin blockchain) that Bitfinex-initiated price movements ripple through all exchanges via manual and automated trading.3  CFTC could then have grounds to investigate Bitfinex’s possible manipulation of Bitcoin price via Tether.
+
+
+If you are considering investing into Bitcoin at this time, please look closer at the exchanges involved in price discovery and give it a second thought.
+The mobile site background has changed again.  The astronaut is closer!!!!
+
+
+[Old Background](https://i.redd.it/m7chwr6vncs81.jpg)
+
+
+They are about to touch!
+
+
+[New Background](https://i.redd.it/8kx3lttq8wx81.jpg)
+
+
+No dates.  DRS please.  Do something nice for someone else this weekend.
+Can anyone speak to their experience at/thoughts on exclusive members only social clubs? I live in a VHCOL city as a young adult and am considering joining. However, I’m not sure how much value I would actually get out of these types of clubs.
+
+I have a large social circle in my city so it’s not like I’m looking for new friends, but I can see it being a good way to enhance my professional network if I’m willing to step outside my comfort zone and truly dedicate the time to use the facilities. On the other hand, it might be an unnecessary use of money that I could otherwise invest. 
+
+Spent some time researching online and couldn’t find much, so figured this sub would be a good place to ask. Thanks in advance.
+This is embarrassing to admit, but I've always had a tough time with keeping my savings untouched - I'll "borrow" money from myself whenever I've made dumb financial decisions and am suddenly almost broke
+
+I remembered yesterday that I still had an account at another local bank that I hadn't touched in years (there's only the bare minimum to keep it open). I don't have a debit card for it, and I thought, wait, why don't we transfer our savings to that account? That way there's no way we can spend/touch it, and transferring it to my current bank account would be a pain in the ass
+
+I don't know why I didn't think of this sooner, but I think it'll help me in my journey to becoming more financially responsible
+
+Does anyone else do this? Does it help? Any other advice would also be appreciated
+#Edit:
+
+Hi everyone,
+
+**The AMA has now closed** as we have to get back to helping clients getting in touch with us on the phone and online. Thank you all so very much for posting your questions. If you'd like to know more about us and how we help, please visit our website.
+
+Debt can be hard, and talking about it can be even harder. but please know that you're not alone and we're here to support you however we can. In the meantime, we wish you all the very best. In the immortal words of Bill and Ted, please continue to be 'Excellent To Eachother'. :)
+
+Best wishes,
+
+Allen and Rachel at StepChange Debt Charity
+
+ -------
+**Do you find it difficult to talk about your debt problems?**
+
+ StepChange want you to know that they have a free, online debt advice service that you can access 24 hours a day:
+
+ www.stepchange.org/start
+
+ You can put a budget together at your pace, and you can also talk it over with an advisor through online chat.
+
+ **About StepChange Debt Charity**
+
+StepChange is the largest debt charity in the UK, and over the last 26 years they’ve helped well over 5 million people with debt.
+
+They offer free debt advice that’s based on a comprehensive assessment of your situation. They also provide practical help and support for however long it’s needed.
+
+**Get your debt questions answered here!**
+
+ For the next few hours, trained advisors from StepChange Debt Charity are here and waiting to answer your debt questions. They're a friendly bunch so please don't be shy!
+
+ Unsure whether or not you need debt advice? Try the [60-second debt test](https://www.stepchange.org/debt-test.aspx) on the StepChange website. By answering a few simple questions, you’ll quickly find out if you’d benefit from free and confidential debt advice.
+
+Important: The advice provided to an individual poster is based only on the information provided by that poster. Advice on this thread is also particular to the individual who has asked for it and is likely to be specific to that person’s situation. A poster may have provided further relevant information by private message which will not appear on this thread.
+
+Important: FCA regulations mean that StepChange is unable to give full debt advice or recommend any debt solutions through this AMA. If they feel you’d help from getting a full debt advice session, they’ll mention that in the reply.
+
+*If you need free and confidential debt advice that’s specific to your situation, please use the online debt advice service listed above, or contact StepChange by telephone. [More details on the Contact Us page](https://www.stepchange.org/contact-us)* 
+
+Additionally, StepChange can’t give advice on self-employed or business debts. For more help with these, you can talk to fellow charity [Business Debtline](https://www.businessdebtline.org/)
+
+ -------
+I'm not talking a fully blow gin palace with 15 staff and a helipad (although I am interested to hear about that too), but a 40-60ft mono/multihull sailing yacht
+
+I'm interested in a 44-60ft boat, probably a catamaran and worth circa $500k-1m that I can use for 3-6 weeks a year before taking the family around the world when I sell my business.  It's not an immediate plan, I'm probably 3 years from buying it and then another 2-3 from going ATW, but it's very much on my road map.
+
+Having such a huge and depreciating asset makes little sense and my NW couldn't justify it right now, so I'm wondering if anyone else has experience in either full or partial boat ownership that they charter out?
+**EDIT: UPDATE AS OF NOV. 16, 2022**  
+
+  
+Geico is giving us the run-around. As some redditors have noted, Geico is experiencing severe labor shortages as they have been closing offices, making layoffs, and facing resignations. See /r/Geico for the drama. I am almost definitely changing insurers after this. 
+
+Anywho, we contacted Geico who had assigned a "Liability Adjuster" and an "Auto Damage Adjuster" assigned to the claim. We were told that the other driver (who caused the accident) has only the state minimum coverage for property damage liability, and if he is determined to be at fault by Geico, he will be on the hook for the below list. 
+
+What's incredibly frustrating is, we contacted the Auto Damage Adjuster who is supposed to be in our local area and complete the inspection of my car at the local body shop. He told us that his supervisor assigned him to go work in another state for this entire week, and given the Thanksgiving Holiday, he may not be able to inspect my car for ***weeks.*** This will result in $75/day storage fees at the body shop for a delay out of my control. **As an aside, does anyone know if there are laws or if I have a right to a speedy inspection?! Wasting 2+ weeks from the date of the accident seems insane to me.**
+
+Anyways, the other driver's policy is likely going to have to pay for:  
+
+1. damage to my car
+2. damage to the BMW he pushed my car into
+3. damage to the utility pole he pushed my car into
+4. storage costs for my car at the repair shop, and
+5. reimbursement costs for any car rental I make.   
+  
+I am kind of of the opinion that, given this guy has a limited amount of coverage, I should do my best to minimize #4 and #5 above. I don't want to rent a car only to find out I won't be reimbursed. Similarly, I might have to get my car towed to my house, rather than sit at the shop and incur $75/day storage fees which eat away at the funds available. 
+
+I am **very concerned** that Geico is on either end of this (my insurer and the other driver's). I worry that they will try to assign part of the liability/fault to me, though I did absolutely nothing wrong. If that happens, I may get an attorney and/or file with the State of CT's consumer agency that deals with CUIPA (Connecticut Unfair Insurance Practices Act).   
+  
+All of that being said, I don't feel like getting a lawyer will be worth it. My car is only worth maybe $8k, I was not injured so no medical bills. I am actually a lawyer myself but work in a completely different area, so I don't know much about insurance law. 
+  
+
+-----  
+
+**ORIGINAL POST IS AS FOLLOWS:**  
+
+I am in Connecticut, USA and yesterday I was hit by a driver who failed to look before merging. I have (had?) a fully-owned 2010 Subaru Forester. 
+
+I have never been in an accident before so I wasn't sure how to proceed; is there a guide for this sort of thing someone can link me to?
+
+**Details of the accident:**  
+
+Another driver (insured with Geico in CT) merged into me, sending me off the road into a telephone pole. I suspect my car will be totaled, because the airbags deployed and the front end is totally smashed, radiator leaked out, etc. I called the police and made sure they made a report (to be published soon??), and the other driver stated it was his fault to the LEO.   
+  
+  
+
+**Steps I've taken thus far:**  
+
+Once the police OK'd it, I called my AAA coverage and had them tow the car. AAA actually arrived early while the police were wrapping up, the AAA employee recommended that I call around to various auto body shops to confirm who had space. I did so and identified a local body shop, where I had my car towed to. 
+  
+  
+
+**What do I do next?**  
+  
+I desperately need a car to get to and from work, however I do not have rental reimbursement on my own auto policy. I have Geico as well. I have collision coverage with a $500 deductible. My questions are as follows:
+  
+
+1. I am under the impression that I should not make a claim under my own policy, because the accident was not my fault—is that correct? The insurance agent I spoke to told me I could "use my deductible" on my own policy to get paid out faster, but isn't that counter-intuitive given I did nothing wrong? Wouldn't that result in me eating the deductible, or would I be able to be reimbursed for that?   
+2. I contacted Geico and stated I would like to make a claim against the other driver's policy. They stated they had assigned an adjuster, provided me his phone number, and said they would perform an inspection "soon" at the shop I had my car towed to—am I correct in guessing this will take weeks? Should I have the car towed to my driveway to avoid storage fees?  
+3. What kinds of questions should I be asking the insurance adjuster?   
+4. **How can I get a rental ASAP? How long should I expect to get a rental for? A bit of googling indicates that I should be permitted to get a rental paid for by the other driver's policy once "fault" is determined; from what the adjuster told me over the phone, it seems the other driver basically admitted it was his fault, and Geico won't need to wait for the police report to make a determination of fault. It sounds to me like I should be demanding a rental now, right?**   
+5. Do you have any advice on how I should proceed?  
+6. For future reference, where should one tow their car after an accident? I didn't think to have it sent to my house, but maybe that was the right move?  
+
+I already understand the haggling process once Geico is ready to write me a check for the car's value; it's getting there that has me confused. 
+
+Thank you so much, I am so frazzled.
+(Mods, feel free to delete if you don't allow meta posts like this.)
+
+I recently posted a question about big vs. small houses.
+
+I almost chose the "verified members only" because I wanted to hear not from regular people happy with their regular homes, but the rationale of rich people who could afford any sized home.
+
+I didn't, because A) it feels a tad douchey even if it has a good purpose, and B) I was worried about getting only a handful of replies.
+
+Still ... the secret sauce of this community is that we can get wealth lifestyle and business advice from hundreds of verifiably wealthy people. That's pretty awesome.
+
+Should we be using that tag more frequently?
+🍬 $Bubblegum (OG Doxxed Dev) video roadmap + 🍬 Fresh new branding + 🍬Twitch AMA coming later today! Get in now before the next big wave 🌊 🌊
+
+Just four days into the launch of our new token Bubblegum, and we're happy to announce our official roadmap --- along with a video explanation from our Doxxed Dev / Founder James Wolf.
+
+🍬 LIVE video AMA coming later today on Twitch
+
+🍬 Sustainable Token Model
+
+🍬 Fresh new branding and website design!
+
+🍬 Super low MC and the token is primed to POP
+
+🍬 Ran like a startup
+
+🍬 Twitter contest winner about to earn 50 million Bubblegum tokens!
+
+Join us on Telegram !!!!
+
+**$Bubblegum Quick Links:**
+
+Telegram: @ bubblegum\_bsc
+
+Contract: 0x58bfc98f3974aef4fed9a0168b97cccd3512cb4a
+
+**A quick explanation about the top wallet and tokenomics from dev:**  
+We call it the “Sustainable Token Model”. That top wallet is a dev wallet — we keep that as an internal pool. Then we use the yields that are generated from it to pay for operations, dev costs, marketing campaigns, etc to fuel the growth of the token and our near future platform launch (also under the Bubblegum brand)
+
+Holders are awarded and we keep a pool as internal investment which produces yield — that yield is batched periodically so we can fund our growth strategies
+Well, here it is folks. The new report says we just added over 3 million claims for a total over 3.2 million. That's the highest ever recorded by far according to the report, over 4 times higher than the previous record of 695,000 in 1982.
+
+[https://www.dol.gov/ui/data.pdf](https://www.dol.gov/ui/data.pdf)
+
+How do you think the market will react today?
+Have 386k left on my mortgage. What is the best way of paying it off in the least amount of time?
+
+- Interest + principal, pay minimum amount and attach offset account for as much spare money we have
+- Interest only and pay the rest into an offset?
+- live frugally and pump as much as we can into payments?
+
+- or some other way that I dont know of, because, i dont know much haha
+
+Would ideally like to have it paid off in 10years or less
+Hi team,
+
+Just need some advice here, it's been a long time since we've been in the real estate market and our interaction with the agent left a sour taste.
+
+We went to an open house for a property that had been on the market for over 30 days. While we were there, the agent said they had just received an offer so if we were interested we'd need to move quick. Fair enough we thought, we went for a coffee then called the agent an hour later.
+
+The house is a private sale, listed with a range of $740-$790. We liked it, it suited our requirements so we made an offer of $790.
+
+The agent told us that the vendor wouldn't accept it as the offer from the other couple was $800k. I thought that was weird, why hadn't the vendor agreed to the $800k straight away? It was above their range?
+
+We told the agent that our offer at $790k was firm and moved on.
+
+8 days later, the property is still on the market. It was never listed as under offer, and open inspections are still happening. I had a friend call up the agent to see if it was still for sale, the agent confirmed it was still available.
+
+Even if the offer of $800k fell through for whatever reason, wouldn't the agent call us to see if our bid at $790k was still on the table?
+
+Or is this a classic case of underquoting? Did the vendor want over $800 to start with?
+
+Sorry for the long rant. We feel way out of our depth when dealing with this.
+Received an email today
+
+> We have just received notification, our broker-dealer in the US, DriveWealth, will not be able to offer Buys on GameStop ($GME), AMC Entertainment ($AMC) and Nokia ($NOK) due to increased capital requirements set by the DTC.
+
+
+> Any buy orders on any of these symbols made after Monday’s close will automatically be cancelled prior to market open Tuesday.
+Yeah I should probably keep track of my expenses better but a lot of the time its not feasible for petty spendings like <$10 stuff. 
+
+Every couple of days I'll go over my credit/debit card statements to make sure I havent had fradulent activity or whatever and then I'll see like some obscure name and have to do mental gymnastics to figure it was just a cafe or bakery I got something from.
+[Month over month, the bleeding has slowed down in many parts of the GTA for detached homes. However some of the outskirt cities continue to see double digit drops.](https://preview.redd.it/nmigk20vkcj91.png?width=2338&format=png&auto=webp&s=2f414dc1898629644d089f54774d399f8aae2bf4)
+
+PS - We'll have August numbers in 2 weeks. There's been a few asks for other regions, let me know if you'd also like to see that or any other analysis and I'll see what we can do. If you found value in this, you might enjoy our other maps and analysis in our [market pulse newsletter.](https://doorinsight.com/market-newsletter)
+Hey all, so I keep seeing alot of people and youtubers talking about how robinhood is just a bad platform now. I would be ok with moving but as a newish investor I just love the format they have and how simple it is. I've looked at others and just feel its rather complicated. Am I just being stupid worrying about the interface? I made an M1 account and didn't like it because they only let me trade at 9:30AM. Think or swim is one im using to paper trade covered calls, and webull looks way too complicated. If I am being stupid by worrying about the interface which brokerage should I settle on? I use fractional shares and DRIP alot.
+My normal bank is not Wells Fargo. I recently did some house remodeling (got a couple of windows) on credit through Wells Fargo. The first month my bill was due, I paid it online no problem.
+
+The second month it was due, I paid the minimum payment online but the next day my debit card was declined. For some reason, the entire amount of the bill was taken out. No problem, I must have accidentally clicked that option. Called Wells Fargo, they reversed it and I thought I was in the clear.
+
+Next month, same thing. Charged, reversed, late fee. My bank offered to put a stop payment but I decided against it.
+
+This past Friday, my account was overdrawn again. It hasn't been changed and I'm starting to worry... I called both banks.
+
+My main bank told me they can dispute it but I need to call Wells Fargo first.
+
+Two days ago I called Wells Fargo and they told me everything should be resolved Wednesday. It didn't happen. The interesting thing is **the transaction does not show up on Wells Fargo's end but it is completed on my bank's end.**
+
+I don't know what to do.
+
+Edit: Spoke with my bank and Wells Fargo again today after posting and was told by Wells Fargo that they have flagged my account to reverse the payment once it's returned. My bank told me to fax a copy of my account records to Wells Fargo. That way they can see the payment was accepted and hopefully things will progress much more quickly. This is a fucking pain in the ass, you guys.
+
+Second and Final edit: WHAT THE FUCK WELLS FARGO!? 
+
+# Final Edit for real: Something I just remembered! The "dispute transaction" button on Wells Fargo's website leads to a page that is "currently unavailable."
+
+I called back and now they can do a reversal no fucking problem! LPT: Never do your banking with Wells Fargo.
+I have read many a comment over the last few days that have made me question the overpay v save debate.
+
+My understanding was that the overpayments are affecting interest on a larger debt balance whereas the savings compound from a smaller balance hence it is better to overpay.
+
+I input an example in the MSE overpayment calculator:
+
+https://www.moneysavingexpert.com/mortgages/mortgage-overpayment-calculator/
+
+I chose a £180k loan, 25 years, 3% rate, £4,800 annual overpayment, 4.5% savings account rate.
+
+It tells me that the loan gets paid off 10 years earlier so total duration of 15 years.
+
+The interest saved is £31,559 vs earned in savings of £30,951 resulting in a net £608 gain for overpaying.
+
+I chose 4.5% to illustrate a higher difference between rates still resulting in overpayments being favourable.
+
+Am I missing something here? Is the MSE calculator wrong?
+
+I also want to point out that I and the MSE calculator are looking at the impact up to the point the mortgage is paid.
+
+I have also used the UKPF calculator which unless I’m using it wrong suggests it’s better to overpay.
+I got covid on the 9th Feb before my flight to the US on the 12th. I made a claim back then, through the correct channels, spoke to AXA on the phone and replied giving all relevant documentation to the email they sent me. 
+
+I’ve chased almost every week since. No one picks up the line, consistently told they’re busy and usually just get hung up on immediately after getting through to someone. They don’t reply to emails, and reviews for AXA Travel Insurance on Trustpilot show that this is the case across the board, with scathing reviews. 
+
+https://uk.trustpilot.com/review/axa-travel-insurance.com
+
+Unfortunately AXA Travel Insurance’s track record is abysmal with people never even receiving their money back.
+
+Unfortunately, this was the insurance product offered through my bank, otherwise I would have chosen another supplier. I contacted Monzo as I couldn’t get through to them, and they said I’ll likely need to spend over an hour on the line to get through to someone at Axa but said to keep trying as Monzo cannot help me here because it’s “not their product” 
+
+Am I really up the creek for £600 in air fare because Monzo won’t take responsibility for including a faulty insurance product?
+
+Is there any way I can take action against Axa / Monzo to force a resolution so I can get my money back?
+
+Any help is appreciated!
+found this and it was good.
+
+[original post](https://www.reddit.com/r/wallstreetbets/comments/y5jn6j/beyond_meat_cuts_19_of_workers_including_coo/)
+
+https://www.msn.com/en-us/news/other/beyond-meat-cuts-19-of-workers-including-coo-accused-of-biting-man-s-nose-in-road-rage-incident-stock-crashes/ar-AA12ZLAI#image=AA12ZV4m|2
+
+
+    Beyond Meat cuts 19% of workforce including disgraced COO, according to a release from the company.
+    CEO Ethan Brown says the plant-based company is 'significantly reducing expenses' in an effort to focus on growth.
+    As of Saturday morning, Beyond Meat's stock has fallen nearly 10 percent.
+
+Beyond Meat has fired the executive accused of becoming violent after a college football game along with 19% of its workforce as the demand for plant-based meat cools down.
+
+In a Monday report, Beyond Meat announced that Friday would be the last day for their Chief Operating Officer who was suspended in September. The plant-based company's stock was down over 9% as of Saturday morning, according to CNBC.
+
+Although it remains unclear exactly how many employees were let go, the company ended 2021 with about 1,100 employees.
+For any posts with claims about Chinese policies or banks shutting down their accounts because of Bitcoin, etc etc, we need to have a 'not verified' tag until they post evidence. 
+
+Edit: some people are saying "why not have it for positive posts as well?" I agree, why not? If some guy just posts he works for Starbucks and they're considering taking Bitcoin, why not tag that post as 'unverified'? 
+I am not sure if I should already flair this as DD or rather only as "education". Well, it got longer than I intended it to get at first and has multiple sources and images, so DD it is (mods, change it if you disagree).
+
+I am not a financial advisor, this is not financial advice, in fact nothing that I write is financial advice, even if I explicitly should state that something is financial advice it is in fact not.
+
+# Abstract 
+
+(we really should start all DDs with abstracts). The Gamestop short squeeze will likely be more similar to the overstock short squeeze than the VW short squeeze for two reasons: 1. VW was bought up by a single party that then actively took measures to help the short sellers to cover 2. the short interest in VW was more than likely much, much lower than the short interest in GME. In this sense the GME squeeze may be more similar to the overstock squeeze which would imply that everyone that bought before the squeeze and sold after it at literally any time would make a profit.
+
+# DD
+
+People often imagine the VW-squeeze if they think about how a typical short squeeze or a Gamestop short squeeze would look like. I.e. they think about something like this:
+
+[The VW short squeeze](https://preview.redd.it/82m9b430pt081.png?width=700&format=png&auto=webp&s=6dd8537d445e0760ded75fec2d0f4ec40803cac3)
+
+However, this is a bad example for two major reason: First: The VW squeeze was caused by one player, Prosche, who bought up a large amount of shares. [Then, as the price began to rocket they sold 5% of their holdings again to ease the situation](https://internationalbanker.com/history-of-financial-crises/the-volkswagen-short-squeeze-2008/) and cutting the squeeze short with a huge amount of shares being available again at once (huge especially in relation to the reported short interest of 12.8%). The second important factor is that the short positions in VW were likely much, much smaller than the ones we expect to see in GME. [The official short interest of VW was only reported as 12.8% at the time of the squeeze](https://www.cinemonic.com/the-biggest-short-squeeze-in-history-volkswagen-short-squeeze-of-2008/). Obviously there may also have been hidden short positions in VW, however, we already know that [the official short interest in GME was over 100%](https://www.sec.gov/files/staff-report-equity-options-market-struction-conditions-early-2021.pdf) and [that shorts did not nearly buy enough to cover that](https://www.reddit.com/r/Superstonk/comments/qbgp98/i_counted_the_pixels_on_figure_6_on_the_sec/) and may in fact, rather have doubled down and [now be forced to short even more because of continuous bullish retail sentiment](https://www.reddit.com/r/Superstonk/comments/qubsox/drs_in_the_long_run/) (see second half of the linked DD). Furthermore, before the VW short squeeze there was no need for short sellers to go out of their way to hide short positions (as there is now because of apes).
+
+So let's look at another squeeze instead. A stock that was not bought up in an organized manner by a single party and whose squeeze was then mitigated but instead squeezed more "organic", (i.e. more similar to what we expect of GME): Overstock. (btw. do not search for "overstock short squeeze 2020" with google, use duckduck go instead, otherwise you will get articles referring to a "overstock short squeeze" in 2019, which is not the big one that was induced by issuing a crypto dividend and the one I am talking about here). 
+
+Alternatively, you can view the Overstock-squeeze as a [two-part squeeze](https://www.reddit.com/r/Superstonk/comments/o6si8c/how_overstocks_squeeze_was_a_twopart_squiz_court/), but the more interesting part here is the second and "real / final" part of the squeeze. This is the chart for the overstock short squeeze: [taken from here](https://www.tradingview.com/chart/OSTK/otnWvy88-Overstock-Timeline-of-events-that-lead-to-the-short-squeeze/)
+
+[The Overstock short squeeze 2020](https://preview.redd.it/0w31u4izst081.png?width=1462&format=png&auto=webp&s=fd206ec9a23cfdf34d9647505b32751939547fcc)
+
+As you can see from this chart, the price did not drop again to the levels before the squeeze. In fact it did never drop down again anything close to that ever and is currently thriving:
+
+[Ovestock 5 year chart](https://preview.redd.it/tscnv4zltt081.png?width=679&format=png&auto=webp&s=04c931ced41c088b0b75b3918bd0cb421e0ddbcd)
+
+If you would have sold at literally the worst possible time after the start of the squeeze and would have bought on an average price in the year before, you would still be up about 200-500%. I unfortunately did not find a source regarding the exact official short interest in overstock before the squeeze 2020, [only that it was small](https://www.reddit.com/r/Superstonk/comments/o6si8c/how_overstocks_squeeze_was_a_twopart_squiz_court/). (if you are a kind ape, link it and I will add it). However, I also would not expect that the overstock short interest, even if we speak about the actual short interest, not only the reported one, was higher than the short interest in GME. This is mostly because of the very exceptional circumstances that surround GME.