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I am checking a very successful arbitrage bot on solscan. and at transactions i see this person only got 0.000005 transfer fee. how is this possible? | r/solana | post | r/solana | 2025-01-05 | Z0FBQUFBQm5teE5QNlhRUkFuaTJrZnFsQ0dhWTBvYW5lM29TOEdIX1dXRkhobFJIT2RyT29RRS03ajdma1VPMGpPbDlUSlNaZlk4WkZMYWw2WGpNamxNcnpmVVFLU1hXN3c9PQ== | Z0FBQUFBQm5teE5RNmN0Ym1ISEJ6THZKZVZCb2NXUFNsVnRJaXhKODNHVjl4WE1MTGpBWE5Ec0dfLU5GdFVSS0xLanYzWm1waUtGY3ZkQ0ZKVlFMN08tT3l5RDIzbDFjTmctSG9tYW1uaEhfZlFuVV9IOWVYNFljZU92Y0JXenBwcFV0ZjhtNjR0RVNLT0pnU3lhQS00LVBVNkRuVXRPVFhNV0YwaDlOOHlwbWZpalFLQWxqSVFuN2I1eVZmVU9JdjFqWEx4ZllJNWtEenMweWdoUXpnWG9jOE5OU1N4T1o1QT09 |
Hello. Recently I made a post about looking for the most optimal historical L1 and L2 data providers for my project on a constrained (sub $500) budget, and received some very insightful, helpful replies. Above all else, the most commonly cited provider was Databento for my needs. When I talked to my partner about this, we checked the pricing for what was offered for our needs, historical level 2 data specifically, and it looked like we could only really afford to get data for about 20-25 different stocks. My partner was concerned that because of this, we would not be able to sufficiently test our project to its fullest extent with a limited number of different stocks. My partner's alternative approach to Databento is a hybrid approach where we use a combination of the Tradier API for level 1 historical data and a service known as Moomoo, a commission-free brokerage that is said to offer level 2 data. His vision is that we would be able to pull all of the data that we would need simply for testing the functionality of our program this way at a minimal cost.
As I explained in my other post, I handle all of the technical, programming-related work for the project while he covers all of the conceptual, financial ground, and so I am trying to determine if my partner's idea about how we will access the data is conceptually correct and above all else, actually feasible. My understanding of API's and how to access data quite limited, and so I am asking this page if this strategy that my partner is considering employing for accessing the historical L1 and L2 data at the lowest possible cost is indeed feasible and accurate, and if so, how would I go about doing this? Is it as simple as obtaining an API key for each service, or would the depths of my work be more technically laborious than I am aware of? In the research that I did online I did not find very clear, specific answers to this, so what you provide will be a lot of help. If we are totally off-base in either presumptions or conclusions on how to go about accessing the data that we need (L1/L2 historical data for about 3 years back), then please let us know that as well and how we should proceed. Thank you in advance | r/algotrading | post | r/algotrading | 2025-01-05 | Z0FBQUFBQm5teE5QNmpKT0FiUzVvV1Q1MDhFQ1pUcDczcmdQRl9HemVhQ1NVUjJJWnMwTVZoeGdlZ0tmYnJKcTI2N0VaVENTVzJ4WEhmWXBDM25NM2FfX1RBRUVjbmkxYlE9PQ== | Z0FBQUFBQm5teE5RUDRuZE9fVm43SFFJMkJQbVdLN2lZVzUyU0pJRDQ2dGdsbWh4M2k3WDQyZFRMWXFiMjRoVVI1cjRjb1QwNTA5Wklqd0xXTTdEQS11TnpKaFZ0REgxZjdMRHVtQ0s4QWJnRmJxbWRuWGZtZnhvbjd3RVlzTHoxbmVmX0FDM2dQYy1EcnBPUzNZa0hGME9pMVRWVHNXem5ibTBCbXNJWUFPRklRNmNlMHFkZVk4RG0xek1yd2NKQWFySE43RFNGbUd3Q1FkVlBVZ2VSM0JGT2pyc0FBM3JGQT09 |
The store has done 1-1.2m/yr for sales consistently for the last 5 years, the owner is willing to me finance through himself over a 6yr period with no interest on inventory (≈120-150k) and 4% on the store cost (≈300k). I have a breakdown of the Loan payments and store revenue/profit aswell, just don’t it with me to reference while I’m posting this.
I am 21 years old so I know it’s a very big jump but after a couple months of learning the accounting side of it and licensing I don’t see it as unreasonable.
Any questions/suggestions/ or insight would be much appreciated. | r/smallbusiness | post | r/smallbusiness | 2025-01-05 | Z0FBQUFBQm5teE5QN29zRlpaWUlEMm5JTF9SQWFLSy1xOXpBU1BNWFpTQ3RfN1doMHAtSXV1SFZrRzhpY3BBdkdMSFlYOFNYREg1MmtrUUMzaGFDUkVnMmVtLUpKMU9IZHc9PQ== | Z0FBQUFBQm5teE5RTTZjVTBDS0l5czR6SW0tR2RhS2JpV1NoQXdobzVyTTFILUIyX3ZfQTdFcXY2ODVIWVpEMklzaXhCSWlYbTdxdm43TFhTaEcyREw2NWlOeFF1UGNzNE95LTJoYVJpSkhjcjhQU08tUGU0MzR2aWFGazl1cXdnbS1JaWpscHNWZXV1SjJRRFBGR3ljbXVPclp2bEVXMXM4d1hqbTF5SE9pNjlTd1E5RGVPZUNGV0l1RHJuVV9JWERMdm5SdGNTNVJW |
I am a 75 year old retired father who would like to understand how to efficiently withdrawal from my two accounts. Here is more information about my current situation.
* Debt: No debt and house is fully paid off
* Tax Filing Status: Single and primary residence in state with no state tax
* Emergency funds: 24 months in cash
**Current retirement assets:**
**Taxable (~$900k)**
* 60% VTI
* 12% US Treasuries / CDs
* 7% VXUS
* 7% Single Stock
**Traditional IRA (~$100k)**
* 9% VTI
* 5% VXUS
**Estimated 2025 income:**
* $20k in SS benefits
* $11k in dividends
* $5k in interest
* $4.5k in RMD
**Key Points:**
* I understand that my asset allocation is quite aggressive for my age but it has worked well for me so far
* I do not have any debt and I spend my time between the US and Japan where I am also a citizen and receive excellent and affordable health care. I plan on fully retiring in Japan in the future
* In addition to my 2025 income and based on my 2024 spending, I estimate I will need an additional $30k ~ $40k as part of my annual spend. I do not expect to have any large purchases in the future and I feel confident with my emergency funds I have set aside
* The single stock is from my former employer where I have LTCG of a few hundred % - I would like to consider selling some this year
* I am single and have one son in his 40's who is my beneficiary. My wishes are that he inherits my account with something left
**Questions:**
* What would be the most efficient withdrawal strategy for someone in my position? Based on my research, would you suggest that I max out my IRA withdrawals up to the 12% bracket limit? From the various calculators I viewed online, this would be around $20k including the RMD
* Should I also consider realizing the LTCG on my former employer's stock and to stay in the 0% capital gains bracket? From the same calculator I used, this amount would be around $15k but I'm not sure this is correct
* Is there anything else I should consider? I know about the Roth IRA conversion but not sure it would make sense based on my current tax bracket and potential withdrawal strategy
Thank you in advance for your help. | r/retirement | post | r/retirement | 2025-01-05 | Z0FBQUFBQm5teE5QTDVscDlPQnZ1MDZsS182Z0tsWlpVdVF4N3hxcXV4RFYtN2hvYjdody16bi12YTZnQ1J4clMyQlJMbEE2S21fVjdXcGRaeEUzQURYcTF4OW5QZF96eVE9PQ== | Z0FBQUFBQm5teE5RMnp2dld1Vm94ODhJSVptR1k2d3RXYmUzUjB1U2h3SDFTV3h4akRuNzdQTkFPeXdTd0htbGxEQ3NWVGhXMFFmbk11VWRpMDYwbDF2dG4tTE53NUlsYnp6SWw2bGU5Wi1BQW01QU5pbC16RnRUZEJQRks2eXZkUGtZZ3RvNUZjbGlzZEpBbVplLUo4SlFKSFJpV0ZPLXVMT1VGWWZwYTJYUEt6cVU4Z1BMckJqcC1BNDFOV3B2amplWThfcjZNUzI1NjlxZEk1eFA4VWhydzhmMzhnVkRpQT09 |
It was just cape which has been wrong for what… 10 years? | r/securityanalysis | comment | r/SecurityAnalysis | 2025-01-05 | Z0FBQUFBQm5teE5QM3ZKY3IybFBVVEJKRlBUYlJHeTJCWUFYcks1UW5UU0Z0SElMX2hiaW5iTEFqdzFWTVdyVjdXQnkxWDQ1WF9FU0hWRUJ3THNtVkxxRWotelYyaTA0b2c9PQ== | Z0FBQUFBQm5teE5RWFdqMFhIMWpjeUJscDVPemR3eXFDUHFLWWhESE5SUmVjTHBLRW1oZ0ROMVpZamJvVkpTZWJJX0JncnBoMEJ5RWhSVmZjTTZXVGpoRGc5VDlEeVpBVEVpcjBNR2l0clU4ekxPTmh1czJiLWhXbWktWnEyLTc2eTlmN0NjZko4cUl6bHV2dFk0NEpPY0ZLM0QtUTB3bzRwZ2kzUUdEZ3pKZkVpYnNvb0dVekhIRE9Yc0lrUngzMkMzVDFrUGliOVNtd3VlSUd5Q2pORkxvVmpKOVA0WUJNSk9OQ3FnS0tObTY4dTZNZzdlbFhXND0= |
The digital gold rush is on…. | r/bitcoin | post | r/Bitcoin | 2025-01-05 | Z0FBQUFBQm5teE5QN0xwVUUzWnF1M0VVY21IN2lmdzVlcWw3THgtbDdxdjBPWXE1b1VwTENvOVRJNmFuRHI4N0NEM3hidTR2X2NYODgteW9NUXZnNl9ncXdjRS1sYVpPNUE9PQ== | Z0FBQUFBQm5teE5RVDVvYXdJZGt2YnJtblF4RjhTVTRkWlAxdlYxVXRsN1A3MXNtWTh6bTd6VGhvZHY3SUVNSXQtZWg3V3YxcG5uZkFhXzh0SUVuYjRqWTRZTHZpR01lamNVc0VCcmFZTk5TTEVYUU1MeE0wRFFpMFZHSlZWazBQNWxoRjBHTVNYVjVPelI2V2dMWEMzZFV5YUFsREs5Z3ZRQmpnS05tWmdjaUNzM3hzUlo2V1RvPQ== |
Good article in yesterday's WSJ in the "Science of Success" column.
Long story short, Ron Shaich's parents died in the 1990s.
His mom died at peace with herself.
His dad was "racked with regret and remorse" about decisions he made and opportunities he missed.
Mr. Schaich takes time at the beginning of every year to think about what things he will do in the coming year that he can look back on with satisfaction when he is on his deathbed.
*"I realized that the time to have that review was not in the ninth inning with two outs. It was in the seventh inning, the fifth inning and third inning."*
I think this is especially applicable for FIRE folks because they have a solid handle on their finances and thus learn earlier than many that "if I only had enough money, I would be happy" is deluded.
FIRE folks in particular that could benefit from premortems:
A) "I FIRED, but now I am dissatisfied and don't know what do to with myself."
B) "I am FI, but I am continuing to work because I do not know what else to do."
C) "10 more years to FIRE. I am in good shape financially, my job is secure, but I am going out of my mind slogging through the boring middle."
I see As, Bs, and Cs posting here regularly.
Maybe get a copy of yesterday's WSJ and read the article.
Mr. Schaich wrote a book about this - maybe read "Know What Matters" - the book he wrote (of course theres a book!) in 2023.
edit: Borrowing book from my library, going to read it. | r/financialindependence | post | r/financialindependence | 2025-01-05 | Z0FBQUFBQm5teE5QdmF4SUpGUkc0dUsyYXc1Zkt2Q2I3UHgwb0gwYm9DQ18zNlFHcThFWkpheFcxX2Z5OVlVeXhGVThOWHJUQTVpaDNySTFhTGZDcE9SZ21ZT2tRRHJQb3JHd2lQTGxid3ljZTl6VDlDQmoxdGc9 | Z0FBQUFBQm5teE5RY2VISHd6TjVxUFAzTE9pRVBFaEstMXoyaldHUE9GT1dsam5YVFQ2QmNzQk16bmZlSFpzalFYVGhGVHlaVjlueG94Y2UwTlAtZHFkUktGRVVkOUFYUXo3Y0ozbUNvSVkwb2Q0U0YwVFhqLTVKVFdpTlBSZ3pfSWp1bk1yN1liTXBjN2Y1YVN5cmVMQVRzXzhTT3NsM0FXVFhKLW5yR0xYUUpKNVFpZkp6V3hreTQ5aTJiejU3blNVQXpsWlI4WXhj |
woah i also just found an “uncashed cheques” section on my CRA page and theres cheques that never got delivered to me from years ago that i can request to be resent from the government. You should see if you have any too! | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-05 | Z0FBQUFBQm5teE5QMEt1VWFpTFM3ZXlGb1N4dGhfcUJYSU9oaFlfX2xpaHVZZVVSTWVlSlFfcVQwaFpTY0ROSUNhaVoxVFpibk5tYjFjRU1GWVZFckpfVVlMc0FtTUpacEE9PQ== | Z0FBQUFBQm5teE5RN1B0ZkE3SUN2dmZKTl9GX08zcUlOQVE0MzB5RXVIREtheXBQUDBNY191LXhERkZuVTNfbjNvVWlyTE91TEJHSC1FeW9hVkJBMmp4MDFsbWNRZVprNnNGZFRKa0JTX19kenAyenJGYTB0WlQ5Z1F4bGlBNXZBRVVUTVFKUzRQOVRlXzNWR3ZwSVNMa2dvZ2RlVkxnZEVlbklYVDhyWHVUNm1zSDFZMUpfdmtJbmRCSWJoU3piVE5rbG5RQi1pcFVp |
Just sharing a story here:
My sister bought a house for super cheap when she was young about ten years ago. It was a fixer upper. She built up some equity over time that she was able to carry into her marriage. We are talking about $100,000.
Her husband convinced her to invest $80,000 into Solana because "it is a sure thing". Typically my brother-in-law shys away from risk. This money is for a home for their little family. They already have a kid together.
What do you guys think? I don't know anything about Solana. | r/solana | post | r/solana | 2025-01-05 | Z0FBQUFBQm5teE5QSnVxaTMxeUFqNkljeDJvQU9kY1hOMTRqVTZnY09LRjlGQ3dIcUFGS2g3Q2k5UDRmUzhWZF9LRkJFV3dWT2djYXZNbzBmeloxcW93SDh5X3RkWTdEMWc9PQ== | Z0FBQUFBQm5teE5ReUc5RTFydzdSbGFjU3BKOHJSVEljMUcwbU1fanZOYWVZYTlGa09CMV83aC1GRFU2a3Q1MEx3Mjg3OXRoTUh1Nnh4M293UXlWN2MwNnB3TWR4S3hlNUIza2RwajFJSG5vVWVtb3p0ZUR0dDBqUi1KWGlzWFNJOWpCMUxLanFvbnhCWFZCTk9qeUE5cjVvaFZYOEJ0VkZtMVpXODhfVk9WNEVDT1JxT1RERFRSSkNzbEhYOXRjWEIyNkZfc2dfQ0p4cGRkbFNtMTlva0N3dF9wQ2dOZWhsdz09 |
These are rookie numbers folks, we need to get those numbers way down. | r/wallstreetbets | post | r/wallstreetbets | 2025-01-05 | Z0FBQUFBQm5teE5QXzFCZnlQYnVkMkJ4Tk1jTnRteWFFcy1QZ0RxOUJiTUNCQ1lyT2pBMl9PbUpYa0NIT0ctQXZiUUk0VzNUal9oUkNRTHk1QUx5UlhrOU1TVTlIYXZZM2c9PQ== | Z0FBQUFBQm5teE5RZk4xSGlIS05FVWYySVgxZGpfbnNNZE1za2JPbmRqaUpPaEFka1FJbmhrZldlS2xJeU1Gcld3T0FkZHA5T25qRmFIWHRkQzVUZ1FObzFBcHlGcU5sa2JvalhSZVphLWN3bklZLUNPaC1BMjcyY0xSMGRtUlJHX3NlREN1NVRINkNzLVdWLTM5RG1uWGZKYTYyazA3aHE4b0J5eHNuU24wLUx2VnhZdDJHbWhXTkcyWUlSV0JuX210SUpXMGhIN1p4 |
Just like the title says, do you think Tao can hit $1500 this bull run and if yes when exactly? | r/bittensor_ | post | r/bittensor_ | 2025-01-05 | Z0FBQUFBQm5teE5QaUo2c19pcS1ELXljYUJzdUVJc0ZiQjhnZFF1cUJnTS1LV3o0YmhiMnpad05uQl9LVFltNnBPcmJMbTF4TXpNb1VuSTNlZ1o2SVFxZnZqVUVRMXppRVE9PQ== | Z0FBQUFBQm5teE5RNjNrdjU5b1NUdGJWU2RTcmR4RXdqTXpEUnlrNF90N1RJdmxXNDloTUstZjFQVEVLM2xRUk16WHJGcFRMNzkwcm5GQ1lqbjV3a1F6a3ZwanVZNGc2dTQtSWlmQXl6eEdVTWJkTzVGOTFFN0FDYzQ5X2hoemVQYkFvb2FkSk1ub3hZRndFMWp4NnF6LTFyMlQ0ZEtNa0NCcmplbWFoUHdDRFJmY1NMRDNmUVYzaXpBR2FTNTJRVzVKUnhJRDlNMVBvYWhEbXhTdm9DSXpFM0xwb1BpTmYxdz09 |
Sorry, sort of new here if this question has been asked a million times. i am just having a hard time not knowing which one i should keep around because i need to free up some cash. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-05 | Z0FBQUFBQm5teE5QaklaRTdKZWxoT1JXMDI4RzJrZWg3bXlBdXJnckFtbFJFNjhRVU5zcXk1ZU1DRF9jTEdURkhlUkMzNjllUjE1Y0ZCOHFsUTJoLVR3OWo2RWJTTVBBQmdfSnhERFBvcmRjYm4zNV9aSnhsR2s9 | Z0FBQUFBQm5teE5RRWowZVpXSHVjZWRzSnNSX25ucU1GRGZlT1F6Q1dfMmFCMFdWMWo2TUlmNF9aYnpBY1lHc0k0UExxZVBCWEQ2UF9veXJNalotemt4QXRzQ2VzQ3dCSWFPVGV1NEZTWjQ2SEEyR1FGUWRiZnV3MHowR2JaeE5Eb0U3ajVIR0JxQVVKaEM2czNxSkJscnhoQkRxS09JczQwZGNac1NOUTUwbDZ0cHdFVHFCdlRiWmZvMVp4QVpUZ0hOUHpFbHpELWtCNk1fSVhnbkcwN0J4VEFjMHdoZ3ZPZz09 |
Currently have investments in this fund. Can someone tell me if it would be smarter to sell or for XEQT? Just want to do what’s best for the highest return. Money will sit for 20+ years. Any advice is welcome.
| r/canadianinvestor | post | r/CanadianInvestor | 2025-01-05 | Z0FBQUFBQm5teE5QMS1KQzQ5RUxlTnBHUGp3S0FKbFd0Ul8zck9mX0pjQnRmUmpHVHMtejE2OElhM3ZjMW0tYXNNV2hkN3NuVVJSNld3LUl5SklWN3NJVXBNMEZRNnFxUHNwUXpyWnJmNFVzVFZWUWF0ZWljRlk9 | Z0FBQUFBQm5teE5RMVdTSDZtd2RwTE5IbWZBMTh0cFp6bW1VakNhOHg4a2lxcUJHbXd1OXlDQXh1Yk1UZVdHbW9fb0pXWXpQNl9QMjhycW5CUmsySFRlSGxmdFhaRFVjWmhLWkptTlExWExNVWJ2Nzkya1hMZi1XZGNLbGdEUzFGVGFfVE9WaERUOHJhRW9sYVppOXRTNklFbkxDOUItX3h5ZzVQTWFBOTMxYkZZUkFBVlMzb0ZMejdhRi1tU25obnVmWVdHbEJKbWZFY2xrNmk3V0ZMMDNxQlBkeFotYk1qdz09 |
Hey all. I have developed the free whale activity tracker, It's more frequent, and is actually free, rather than the whale alerts account that has millions of followers. (They don't have BCH support on their X for free, it's $30/month)
Anything over 1,000 BCH & 100 btc will trigger a Tweet from our account. Would anyone like to see a website that can alert you directly? Please let me know. This is free and completely ran on by donations from the support of people. And we are doing a giveaway for our launch! :D
[https://x.com/krypt\_drop](https://x.com/krypt_drop) (or just search Krypt\_Drop, make sure a \_ inbetween!)
Website out soon.
And ofc running a python bot, API rate limits, etc.. cost a bit of money, ANY donation amount is appreciated, even 0.0001 BCH.! (We will post our donators if requested on our donor wall for our website)
BCH Donation Address: qzkn7xndkydqx52crux2gy2wy03trh3d7qa6lthav7
BTC Donation Address: bc1qnt2atjtc0cfxrcwafks9t7v08yfpnm2aetqggj
(FUNDS ONLY USED FOR DEV.)
EDIT:
0.015/0.25 bch raised (thank you to our 2 donors) | r/btc | post | r/btc | 2025-01-05 | Z0FBQUFBQm5teE5QZ0V1YUZDRnd1em5BNUFtbGVNdl9tckV5YjZGVlo5SVVKS2l5amZ6VFV1RlpVZy12Y0E3V0xJeDRISWJTX1RBYUxLbHNtT0dadXBNWnY0cXc4UDFSbEE9PQ== | Z0FBQUFBQm5teE5RVEJ0ZUlHdnlyVVpzOVZkWmRkRFhvYUlQX1MyZjVFekFpRXhPVFZCTzNSZWpSV1ZWWXhkX1pvY3AxaWIzWkJrWmJFTmtUa191MHVWbjMycXJSeV9Wd1E5QWR6RGxYcG92MnpPS1h1QnpRZFNtblY5OTN5Vy1qVVBScmkwMDZLb1h1UC12aVNtSTlnVWR2Q1BObUtPUlhRPT0= |
Every day, I hear how big DeFi is going to get, but I can’t see how it will ever go mainstream. More specifically, I just can’t imagine my friends, parents, siblings going through the complexity and uncertainty current DeFi apps have in terms of user experience and onboarding.
In the fintech apps they use (Wealthfront, Robinhood, etc), you complete KYC, ACH via Plaid from your bank, and done - earning yield!
In the DeFi space, just to get yield on a stablecoin, a user needs to research wallets, addresses, chains, exchanges, gas fees, and protocols. Then you need to set everything up, KYC and transfer money, buy coins, wait for clearing, transfer to your wallet, move this into an L2 onto a lending protocol, etc. All the while encountering things that felt super sketchy to a first-timer. I’ve even seen people suggest setting aside some money you are likely to lose, calling it “tuition.” Remember, this wasn’t doing anything crazy, just stablecoin yield.
Is it good to filter out people out of super dangerous pools and token pairs via complexity? Maybe, but given stablecoins and somewhat mature protocols like Aave, along with the inflated yields from the bull run, I feel like now could be the “safe” yield moment where DeFi yield could hit mainstream. And yet I find it frustrating that no one is making it easy to access it.
Is there something fundamental that makes it impossible for someone to make all of this as easy as Wealthfront/Robinhood to unlock the 8-10% “safe” yield? If there is, is everyone fine only onboarding crypto natives forever? Or can someone make me understand why this isn't a massive barrier to entry? | r/defi | post | r/defi | 2025-01-05 | Z0FBQUFBQm5teE5QVFlHTUlUcXFzYmlUbXo3TG0wR21kbGxiUnZPdGFiTWJrT0l1NmVrYTFyS09PVm9VTng5RHZLZ0gtc0lReTN6a25CN1k3WlFoQ2NHYnJpN2tMaHZOS0tBSjB4aGxYSjVGQTNnVlhZRS1wUE09 | Z0FBQUFBQm5teE5RVWtab3FMT2NwYUItRDNDRGlrSlBtN1hxWW50VWJxTlp3WnNvMzhuTFVZb2Y1Y1RhXzZfdVZpZFpQRWtyRGZORkpaOUFDNzJ1Vzg5R3MtaF9Za3pLdFBCc24wclREblJhZEVKcGxKZzF1SlJTRTBjUGoxWjNYb3FOWktYZGdFMWRveXd5SXhadGZfSHlBNXh5ZUpCdW5IOGxXcUlheXUxOWd3MVAtclh3NHZXZUYxbUJwUVRsSE1HTWRBdy1ucGVi |
Was looking at the 3 month chart and noticed that the EMA is very close to crossing above the 50MA. Which in TA would be a golden cross, a great bullish signal. Is this a thing in crypto or just nonsense? | r/stellar | post | r/Stellar | 2025-01-05 | Z0FBQUFBQm5teE5QN25DeVNGQWpIaXdGXzR0UG1ySlpZcWN5elJwR2NoMkVBMVNPbk54ZHk2UmxKNXExOFpoem8tTDZIdXZXZktWSnEwRGEzZTFpLVpaS0Q4WEU2ZGRESHc9PQ== | Z0FBQUFBQm5teE5RMXU3V19lOVJENWh6aVFxUVFtelBVbmJqNnFFdmlOa2ZiamVhU3pweld3ZlprTDZmZHZsWDg1MklQY0doSkc2RV9uQmI1b3FLMFQ1REg3YUFHVFpBYjRTQ1dZZFBrMlVlM0dwN0RiNkFJNVNqdWctMUMzQnJ2bmtZOHVVUmJIcnBLaW1xR2tIMFhybVRubDVjT0ZmRlh3PT0= |
I've been looking into all-equity ETFs for my portfolio, and I noticed that VEQT and XEQT are the go-to options for a lot of Canadian investors. However, I've also come across FEQT (from Fidelity) and MEQT (from Mackenzie), which seem to offer similar all-equity exposure and competitive MERs.
One thing I’ve noticed is that FEQT and MEQT have significantly lower total assets compared to VEQT and XEQT. Could this be a reason to avoid them, or am I missing something else?
Are there other factors I should consider, like tracking error, liquidity, or how distributions are handled? Would love to hear if anyone has done a deeper dive into these newer options or has any insight into their pros/cons compared to the more established ones! | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-05 | Z0FBQUFBQm5teE5QalIwaC1nSmFRYTB0Mi1pM0FwUjdVTGJVVjJKX3g5UmlMM2l2MGJBaUNmOGI4dW4ycTQzQUhqcVlvbDdheGdOY3BudUlJbjloTGpfYjdnajdYbVduRmc9PQ== | Z0FBQUFBQm5teE5RbWtURjZwZkFhYlFsbnBXOFkwVGQ1MGxmV0tBbm9HeVJXYUZ1d1NFdVdmc3JoeWxlZ2pxYlJVUVEtRzNTT1RuWVcyZTlPMWFOemFhU2lqS09XZTczTnVWNGJhQkhMX1dJalVZdmU0WDJqQ1pIdWdwdTFPejRBdjRHSERJaGVTdXhSZENueWRPWWdUbGgwWUJkNVB5RHBxelJoY2pDc3ozTWh6bi02NVA5NnJGbTlpTkJSOWlIdGo5UWI4LUpDbnZCRy1GR1paaGZHOHZpWDNadTlHTHpXUT09 |
I suddenly got it in my head my little bronco sport wasn’t “enough” for my family, and I went to a dealership. Initially looked at one truck and the payments were already a lot, I then unfortunately walked out with a truck that doesn’t make sense.
I put 10 down and still took a finance of 90k, I know, unfortunately the manic took over and I suddenly thought we deserved a nice vehicle. Lesson learned we really would rather have money than “luxury”
I’m calling the dealership Monday(mistake was made Thursday), but what’s the general advice for this, do I take a big loss and trade it for something way cheaper and roll in excess, I technically already rolled in 3500 from the previous loan, which makes it worse. I feel horrible, I know I ended up letting my family down. The payments are 1180 a month! For 8 years. I’m not under water monthly but it in know way makes sense. I knew it the next morning.
Thanks for any and all advice, I know full well I’ve made a very stupid choice.
Update: the dealership as expected isn’t willing to undo the deal. Moving to a cheaper solution isn’t working as they’re really hitting me with the negative equity, a 24 model is comming up to nearly the same a month and I don’t have any money to put more down. Crazy as all I’ve done is drive home, but expected.
They also will not buy back, but are seeing if anyone is willing to take it off my hands for less. I’m very stuck for that right now. I am pursuing a few other options mentioned in the comments.
I appreciate all of the advice and support, and will continue taking everything in as I go. | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-05 | Z0FBQUFBQm5teE5QZThvQXBIZW1INjM0S1hCNUItZE5FdmNFakctcDlhQ0JtT2NDTXZZWHdsbGhtTU1VMnJBR0haMmVnT205Q1lTZldFTEFualIxTEcxY1MxQU1CMjAxRlE9PQ== | Z0FBQUFBQm5teE5RLUgzZTMwVEF6RUxNeHZOZUFuMURwcE9JOGVpQVpXWm1FRWFTNXBYWlZzQU5DZzU3Z2lqM1lMcllLYjRrMjF4cWlsMkI3XzZkQWNGV3NQOWRqSUtvYkkxdjlkbVhfMGxVWmpCcmh4X244VmcxS0IzdU5JYkdYMExIbG9rLXhCN3lQclBsekFJeE9BcVJnRy1ZUHpjNzFxdm02RzJGb3pEUjVVR0VfT1NiVnh5WU8xa0ZqQWpkQ1BkSzlVbFBtcWY5VzM3TEpqdlRqWGQtdmRlX1ZqMTQ1UT09 |
From [NBC News](https://www.nbcnews.com/business/business-news/fight-credit-card-swipe-fees-enters-new-year-no-end-sight-rcna184729):
>With new fee increases and more shoppers ditching cash, small businesses urge their customers to consider sticking with bills and coins.
>Many small businesses are breathing a bit easier as inflation has cooled and the race for workers slows. But consumers’ steady embrace of credit cards is taking a growing bite out of their margins.
>…
>Spending on American Express, Discover, Mastercard and Visa cards in the U.S. soared to $5.25 trillion in the first half of 2024, up from around $4.98 trillion during the same period in 2023, according to data provided to NBC News by the Nilson Report, which covers the payments industry.
>Some of Visa’s fees are now going up. The card network raised two of the credit card swipe fees it charges banks and processing companies on Jan. 1. The move comes amid growing pushback from critics, including some lawmakers, who say swipe fees are excessive and frequently get passed on to shoppers.
>…
>“Swipe fees are definitely a really contentious thing and have been a battlefield between credit card issuers and networks and merchants for a long time,” said LendingTree’s Schulz. “It feels like that battle is really only going to keep going on for the next little while.”
The article also discusses stalled Congressional legislation. It remains to be seen if such a bill could survive this new Congress or the incoming administration.
Thoughts? | r/creditcards | post | r/CreditCards | 2025-01-05 | Z0FBQUFBQm5teE5QZjdab3hBYi13ZDh4WHk2MUhTODdON01IUE41ZDFXUWFSaXRRcTU2TnZvRlFjQ3V2WHBFSkZmRFVuU09jUHZNVGVpQlJqVmpnZVF1aXEtdmdhNFotX3c9PQ== | Z0FBQUFBQm5teE5RX2F6eXZac3ExdDVPOThteUlrYjl1UWJxUlV5NFd2NmhQVllEVWgxLVlLU0hBcjBrN0NMMThsWDRaWUZMUTJFODZHWnZUS3VSVk9XQnhJaWtudGFJaEhBNlNQVFpBNEdMY3Vod2NlM21jVG9iZ19QelNqNHRxUkhTVzRzLWNNMk8tX0UwcjRjZ3VEZ3hVZ1RubVY2ZDVjRXJCUjZqci10ZGFFTFVzaTlKS2FRWjBUM2xnY2t2Tk1lMEVobFhBdnV4SldHZFl5M0FiNFhoSFVpUTFLR3lmUT09 |
Thinking about my retirement a lot and ways I can ensure that I’m not over 60 working because I absolutely have to. Has anyone or their parents ever bought cheap land, do nothing with it and hope it increases in great value over the next 30-40 years? I’m talking dirt cheap ($15,000-$20,000) land in some random small town they’ve never been.
I just feel like every town was once a run down area nobody wanted to live in until they couldn’t afford to live in it lol.
Don’t be mean, I don’t know anything about this, it’s just a thought I had. Thanks! | r/canadianinvestor | post | r/CanadianInvestor | 2025-01-05 | Z0FBQUFBQm5teE5QZjUyV1pYbkJOeUJCX01fcF9uUklYUC1ZbExXMHI0WnU4XzB5cHhRY0ZwcGFWbGV6TUVoV0dnQnhSSEFpM0pRRmlqOVpqN3pGMV8xSElPSnhVOHJuZXc9PQ== | Z0FBQUFBQm5teE5RNTZjZGxKYl9qLUNnTGYxNUNzcTNZS2JnUXJIRW1MUmRiZ0xxQVI3ODQ5UUgwQTljSVI2MHN6WlgtUm4xQzl0dlZkMDVwTXBlRjFVNGJlTXdyVk9oMjl0RHVmZS1VU000X3dzSnR3ZHBQbW44aHdEdnluYm9IR25kdlFiNERyTXlYME9JRDJqTk9yV2t1MUlCQ0t1cm5tMW5fbjl2OGl3c2F4UnlmLWY4a1FFPQ== |
Most people don't seem to realize this.
No, you are not 'working for your bags', you are shilling others your coin in hopes of being able to steal their money.
MLM-scheme idiots at least had to put in the effort to develop charisma and social skills to sell their bs to others properly, but for coins there is no barrier to entry and people can just flat out lie.
Don't compromise your morals for quick gain when the one you are stealing from might be some poor single-mother.
If you want to take someones money then learn to trade and let the whales give it to you by frontrunning them on actually good coins.
Edit:
Some of these replies are crazy cope and sound exactly like the type of stuff you'd find from people who are trying to justify being part of some MLM-scheme.
"Sounds like you failed haha bet you wouldnt make this post if you won"
"Its their fault if they trust me"
yadayada..
I'm not trying to attack anyone who was forced into this situation through whatever circumstances and it's their last resort.
All I'm trying to say is that you should be aware of what you are actually doing. | r/solana | post | r/solana | 2025-01-06 | Z0FBQUFBQm5teE5QNHI5YlJnSFhkTTJwd1BvXy0xU21Kcno3RVRaOXlwa1YxUjhiemxKS1E0QkxfQkp6cnVwTkhNcGEtUHRwcWlzcklXc0ZLdzlpWkRiZXNSTVlpNUw4X3c9PQ== | Z0FBQUFBQm5teE5RQnVGSEl1cGVQRmFERy1yUmtNeUhyS1RReWJhNEdGQWs4VXR0aWg5LXZSMXdvMERjdlZLNGR6MUQ0Vy1CYTRQeTNQaWdUU1MyUUw3ZHdTb2dEUFdwZy1RcnB2LV9peGppVGpkVkxxS1dmaVVCQnZjbjFONTZ6U2FzX0stVktPRVJNNXZBMkpFR2FhdnVRXzJ2NU16cE9ROU90aFNpREVtSUVsX0s0T2hwVnJ5cGkxS2UxNHA1NHdvU2Jhc3FhczFR |
Happy new year all.
Came across this and thought it might be share worthy.
I have no affiliation whatsoever. Hope it helps someone!
https://turnleafanalytics.com/hundreds-of-quant-papers-from-quantlinkaday-in-2024/
Edit: here are some examples from the list:
01-Jan / FX / Exotic Currencies and the Frontier Premium in Foreign Exchange Markets
02-Jan / Machine Learning / Causal Discovery in Financial Markets: A Framework for Nonstationary Time-Series Data
03-Jan / Economics / European Football Player Valuation: Integrating Financial Models and Network Theory
04-Jan / Trading / Intraday Trading Algorithm for Predicting Cryptocurrency Price Movements Using Twitter Big Data Analysis | r/algotrading | post | r/algotrading | 2025-01-06 | Z0FBQUFBQm5teE5QUjdTSmxkbmd0UVV3bjdaNzVBS25lT0daSUM3ZWFIaDFVNlVMdk5MSzU3dG5qdDF1d0N6SHRPdlY2QWNtTDJMY1YxZUg2bER5eFdTTkhnT3MwSlNJVXc9PQ== | Z0FBQUFBQm5teE5RVmZ0d291MjFpcS1MelN2Rl9rQWx0UHNkZDRMdnIzRW91aFBtVzlGUk9neXI0QmlwVEdLRmJJaUYtcjUtLUl5U0ZqSHF0NlduNXZ6VFpOeDRoMXBQNUV5VGlycnByZjdrM1pZdTluQ21RVzRhS0FGNlJjUVZwelYzLUozd29YbWVsc2ZINGNRMWhGVThJb3g5R1N4eHRyMmtuSUhndWpUSTJFSkZFLThWdUVrSWN3aGFtek44b0JXU3FBQ0JGaExmeS1acnV4Ukg4MGRmZkd1YWNHdTlyUT09 |
This coin is ancient, no improvements, and is lagging behind every single crypto. Meme coins make more money than this joke of a coin.
FUCK YOU DONALD MCINTYRE | r/ethereumclassic | post | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QdUZRX2JfNHFyYXFtUDZ4UVpCOXNTd3FBQjRkbVFTbF9WbXpNaFRMTFZJcE03aHU4R0d6a1lDbktWejhJZ0d4N0dZNzBRX3laWER0eVc0aE9SQl9OUEE9PQ== | Z0FBQUFBQm5teE5RbVRtR1pxOUJHanZhUjJYaTdSYkNNekhlOGcwT2VCT3U4RkhrdFN5cGFKYmN4TU9QNHVleGxZa0NqaV94NVJHdkhBNkRMUWxrX09MT2lYY0RrSFNlLTZjOG9QT2FXRkFGS1lmZXQ4ZHJQSllZT3ZzY1lHTXlLc3VKT0lZWVJuZnBuajl0QUp4VF9NUGUwT3lRbk5zbzRUY1o3ZDVGVEdjV0g2d09nZW53Mk5vPQ== |
Its stopping people from getting into polkadot | r/polkadot | post | r/Polkadot | 2025-01-06 | Z0FBQUFBQm5teE5QRmlZT2dITUlxMHNzOUc5UHpuM0VVbGo4Yjk0TTdyUDIyV09HaDJCV1gwN3doX0pfNVQ3a2JmUU1KWVI3NDJfOHAxRUdhaDlFRzVjR1FBT2JrYzQzLXc9PQ== | Z0FBQUFBQm5teE5RSi1zSVRla1VhMWJ6S2FnNGhod0JoSUNabTRxM0NqZGpiVks0bHJld0MwdDc5Qms1aUt4a213SjJDdldnRUt6eFFMdjEwalJaUUxhLVRQUHdnT2drQkdTNnRRTFh2N3A0TmFFTDJLWlRYdTh0Tjl2eGp5NGJBNm5ZYnB5MWRBWi1uMmE0TjM1cmIyeEtwTXZMcXg2NXZhdnVackR3LXpKZ1NyUXZPTDNpX1dNSUVOc0t6dzVKWno1VzZiNVVmMzBn |
I don't know what law or regulation changed the set amount for 401k catch-up for 2025. Can anyone explain the reason the amount for catch-up is $7,500 for over 63 to 67 and $11,250 for 60-63? I turn 64 in December 2025. I would like to do the full $11,250 contribution and I think it makes the most sense since I will only be working for 1-3 more years. The IRS is limiting my catch-up to $7,500. | r/retirement | post | r/retirement | 2025-01-06 | Z0FBQUFBQm5teE5QZmxrYUJWTUg1amZ1UEhCYzRfbWlGUTJwVnFBWVJmdjEtZ0hjSkR1YUdlV3p6V2J5akJRV05HeXQtTzQ3OFRmRHk3VnlZSWRQRTZobDBrSm00RmRjUHc9PQ== | Z0FBQUFBQm5teE5RMDJJaVJDaURqdEU1aVA2ZlhNNlpXdUhJUk1QWEVOTTNSRWZ6Sjc2aVJKT2pCRUt5V1BEaGxuU2FBRk5FbjNwUnVieG5OLTF2YUc0YmtsZy0xcS1kS1UzdXcxVjcxM196c2gtLW93aWVCOGg0RnpNbk1lbEJxeXNWWWdHNVRUbkhTYUhLQ2hPUVpHbHBtUHd0dVFYcllXWnVkYmJTMDJVZVQ5UmEtN3JHR1hvRUlnZk1BRGU1R21xZDQxMEVSMWYyWEpRY0xjbWhkWGo4ZjVJMS1JcG9KZz09 |
Hello everyone, how are you? I'm new to crypto, I studied a lot and the crypto that I came closest to was monero, but a doubt has been in my mind, I want to be a monero holder, but I saw many comments saying that monero is not to be kept but to be used , so what do I really need to do? I want to accumulate a lot of monero | r/monero | post | r/Monero | 2025-01-06 | Z0FBQUFBQm5teE5QVWRpbW05LWZfbzIzeUsxR211aTkybmVib196Qms2RWx4RjhqdjZkV1dVZGExMWlmNmYwejNWV2NmT3J5b1d4NkV4TjdQQjdIZWNXX3VzcU9ySzFQSjlGWHdrZGlXTENPSmNjZTVJbWI1ejA9 | Z0FBQUFBQm5teE5RcF9FZ3hOc3pQaTZrbC1WQ1AteXl5Ui0xeERFRXhQak9QZk40N1dKcWxJWkZyb19nSHFmLWVGNDZTOFhsR1lGdTVCY3dBZ01rb1g1UE9TZzdpRGtZTElfb0VDSEVoOW1SdlhkMDVWYWZyaVF3TjhTSkFCZVJVVmhzakdsZXJKQ2pWNUlvWXhTYl9SUlA3QmpDYXROOVAyRkdoWGRJUWdPMk0xd3UzbWhVNjJRPQ== |
I’ll go first. I think I may somewhat limit the cuisines I make at home. I just made some jambalaya and it turned out so good, my gf asked me to focus on making more creole food. Creole just has the holy trinity (bell pepper, onion, and celery). And I was thinking, I made about 4-5 days worth of lunch and dinner for about $30 plus basmati rice and spices that I already had.
Aside from that, Italian food doesn’t really take too many expensive ingredients unless you’re making it expensive. Asian food is all about making the main protein stretch more with sauce, veg and rice.
But I always have the urge to make something very different from what I made before, so I go out and I buy a bunch of different ingredients and make a gochujang stew when I just made lasagna three days ago, and I have leftover ingredients I could use to make something similar.
I’m wanting to switch from a recipe based home cooking method to a food-based one, that’s more focused on using the ingredients I have to make something that isn’t necessarily authentic, but it is tasty, good for you, and feeds you plenty. My friend is good at just throwing something together, whereas I’m good at perfectly replicating a recipe and creating something top notch. I make fried rice that’s as good as the Asian restaurant, but I go out and buy ingredients to make it, such as scallions and oyster sauce. I could’ve just omitted it and it still would’ve been delicious. That’s what I need to do.
What are your plans for/how are you changing how you make and prepare food, utilize ingredients, and create something that’s good at home without breaking the bank?
Edit: wow this blew up. I got my inspiration to make this post after watching some cook well with Ethan chebowski on YouTube. He pitched this method of doing food as a sort of forgotten technique in the world of recipes, and it has made me rethink my approach to home cooking and continuing to feed myself fresh food rather than continue to fall back into the life of buying frozen pizzas and prepackaged foods. | r/frugal | post | r/Frugal | 2025-01-06 | Z0FBQUFBQm5teE5Qc2J4UlJIQ0s1ZlJIOTBIbVVIRkRCOFVZZHVETUdUdDBYQjNNcHl4M1JOTnBOOTlkaUFXRncxc2RRZi1PN25ISnRzbGdHX0lsNGR4eU81MC1seGFEMVE9PQ== | Z0FBQUFBQm5teE5RUW1NblpOUGtOM1g1aDYzNkhYWHlZWlNLTnVmWGdGRkNuYXZWenkxMmVNeXpvMnJIOThZS1lyRUkyTnZWdm5FUnRIN2swSnN4UTAwU1hCQ3dKTG5FektBUG9Ud1BTV2JXVkY3aWtKTWdaS2NMUERGRWxJa3pEcEZDVTctQVg1MlljTG1MYnVSLTRkLUNBaElrYkltZ1d3ZTJCN042clhrazI2cjFTaElzNkpKNWxJNExNdndNaTZ3OVRQbVNma3hMb0FCZHNndmp2Skc0YktZQkJtR3lYQT09 |
r/usernamedoesntcheckou | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QN2ZpNDFmUmhBcFAwSUZGRjJqTlJQNXcxOTVlS19iRV90OV9ZNncwU2NjZXZLdEM5WWkwMnFuMk40dU4xM19QWG56UVNkQi03dW1Fb3VqamZtT29UaGNfQlNQTmxRUTk4Y015VU9LaTZFUzg9 | Z0FBQUFBQm5teE5RclNVZW9BOFNDQTFnQzFRLWFKMHVuOVNMWEJEck5aTmRzTUdmX1FJZXhnc1hTcTVOekxpYWJfeGV1QjAtcnk4dlRqOFY0Y05ydUdwTV9wUWo1X0g0NHhvcWpsUi02X0lVUjNjVTE2OExDYnVfckNuU2s1OXF0am1RTlJieHktV0dEOXNwcXVlT2p6cENPbXlQMkx6c0VIRTc5X2FRYmhqbnRNSnM0M0ktcnJzT19qRGlvRUp6SGoybXR4YVc0SnRm |
I got out last week. Tax loss harvested and onto greener pastures. Thankfully NCT pumped over 100% this past month to make up for this shit. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QcHVQWmZLSDJLYWJGTHBZWnJXY2hjcEstR1YzVm8zcVZxalMtbHBIT3Q3RVowem4tR1Z6bHQ3ZzJIek95T1FZTVhZNTM1SS1pNDhCYldBaVJ0NEIwMnc9PQ== | Z0FBQUFBQm5teE5RUDlCZ2t5NXlyYmVNbU1YTnJ5UVlWcUY0QWd1eVo4ZzNyQW00RFVnTGpBYk4yNzdPenFFVjduZk9SWnZlQndCNHM2NGVObm5jV1RqX29YWHFydkY4Sm9HS2NvQ0hrU1FSdFZHWTFERzA1dndIcW9ydllzVk5GZk9MTGdIZjJjeG9WUHJEVE55Nk1yRVpnOV9tRDZ3NTlDRjhIMzVGeGZYMWM2MmQ0NGVKc0VCMW5RcXJZM01ubDcyTWRsQ3ZObW9z |
For shits and giggles what price do you think we see on this cycle? | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5Qem5zUDEzUk5Rck8tOWI3VkZKUEdFWmZKel9lWDZFUllBUEtZakEzcGVQdUl4QjlzS25CLUlvRmxqUDBnQm5wdmliZHVpNDNjU2c3R19MM05MUXQzUXc9PQ== | Z0FBQUFBQm5teE5RQnlTLVo4VjcxSndVcmE0THZHcVFYcEJfWjZNeTgyVFhqcXZpT0cyOE1HZVRNbHVWeTNLcWNZS2VsTVluVUNVMWNiMFJiWHVwbm5halp2dG00V2hRR1UxYTZDSVY1QnBURlp4NFpJTWhtV3ZyanI0cHY4U3hsd0d0VmZlT3p6WkFpYUxsejJya0FKSWZvQnplLW4tMjk3ajNXNno4YmRSY2pZVDQzSnFPYUM4UVpJWGNLTGR2M2sxS1c3VldVMlJx |
$230, avg 22 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QVEpSeDlTQUtFLVN6UEFaWjhXcllaclF2R3U3MXJwQzQ0RlRFX1IzTmdJcFZTbkVkQmhMUzNtT09sLXU1UldkLU1jN0VMWTJFWFlWeUdfOGYyUGg3ZEE9PQ== | Z0FBQUFBQm5teE5RSjFFMmc5cTYwZ1pWeTAxSU9fSmJHM1NES1VzSmZSaE44dVR1QVMwNlpaZEVZQjdZOU5CaVAyWFVEaFo2Z00xYXBSQlNoeFU5RERJV2ZpVUJrTnA4ZVBhN0xIWU5USWxmMmk3YjU1aG5mZ3RXREhmS1kxcm1KSGVBMHhJQUVxRWN4c2FsR3ZKbTZqWlMzWVZfaV9UbUxMQkM3NVZTMW1qdmZfN2VpRjNNQ2E1WnB1b2c2dTFFVnF1S3MzdF91cXEt |
You’ve said enough. Avg 33 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QeFBuZUpFTy1ra2RfUnZaSjhnUVB0LUo0d1F1eVZzWWZVNW9Tc1NtN25mUElLSzRlWXdVMFZQR3IzX2YxaHFtdHR5ZG9Md1Mybm1sX2dTdHVDT0huNWc9PQ== | Z0FBQUFBQm5teE5Ra3g1d1VKTUROaDVkWGo4QUhaT2JON1lVeFYydC1QRnYyaXZ2VE9yZldlS2VZd2d4SFpjdnR1X3BXb1pCa1J6RU1ZVzJYU3ItbkdTQkhTMFY2TlJYY2JERlVlMVQyQjlQOHV1SHZaWW5EWXdQVHRNYlA4ZjZtOVJ1WDR2cEhwa3pRY01JRVZJeHdPZkdJNlZBTVluOVVPNWRyMk5SVUVnNExfLW41ajNsQ2RRenRqV3dqQW9nakFYbk1KOEFHWVNx |
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*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/EthereumClassic) if you have any questions or concerns.* | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QUlJlX0czVlJ5MGppMEVsMkhTbEw2Q0lzNDZvX2tZRHlRQnVsYTdNTDRuMGg4bGhBQzhyeEdreFJ0Wl9SdEdtUzJOVDNmU0U4YS1WdkxTT0JQMUJ3ZlE9PQ== | Z0FBQUFBQm5teE5RRXljVXE5M0lRTmdCcHFJbld1Nmx2aWJ4R2trTzBIb0YwNERYTGRndnVNSGh0a1VjMEFSVVpKTWtNMXFPazVXQXo5Y3pGX3JwYkhUMDhtWTNqUjF6ck1HTlVwb3pOWVhyVFdIeUdnV2VCWjNlVUVsNzhfcm04Qi11LVlxZUFEQUVCd1VVLUVNenU2VFUxbXBqQmVUN05ZQVNtQUM0dXc1TUpqQ1ZxN1VXNXp4VTdkcGFpaUNwOGdTdWRiWUxxWHdy |
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*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/EthereumClassic) if you have any questions or concerns.* | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QX0RTa0I1RUgzU01oTXZUOUdFaTc0X2xsQWZsQ0YtWVdNSWluMzhlMXVTWUc1NS1kRF9GbnhhNm8tQUpRT291RW4xSlRvTmJoY2xmOWRfYm8zRVJLSHc9PQ== | Z0FBQUFBQm5teE5RMWZXT01JZXZCYVlrOHYtSDBqX3QzemRHcUt4MEo4MjZGMnZ2TnMtVTdwN1hFVnNRUUlhTkFDY2htRzZXNDE0XzZwdEdueHp1Wi1HdmlYQUtjNEZDeHBZOHRTQTJMQm1WcGc4U0t1S2pFMGJkeXVNSGxEYVJSaGI1M09kVVpOREpsSkpEMy12eGZtM1NTRVh5aXZBMHFvaTRvaUtYakZXUDhHMXI3S1J6QUt0aVYxRW1GeXRLbG5jR3hDQ2NVWmJQ |
I was testing this SPX Short Put Spread on Option Alpha's new 0DTE and 1DTE back testing tool. Finally after much tweaking got it to 91% win rate.
Strategy is a Long put $60.00 below underlying price.
Short put $50.00 below underlying price
Buy 2 contracts every day at 9.45am
The entry filters are: If IV Rank on SPX is over 20 then do not enter trade
If the Gap down in the morning open is greater than -0.4% then do not enter trade.
For all the overfitting comments - there are only two criteria filtering the trades. No trades when IV is over 20 and no trades when SPX gaps down on the open. No other filters.
These are all 1DTE trades and just let them expire at the end of the 2nd day. So no day trading rules broken. I tried adding in stop loss but it reduced the wins. So no stop loss added.
The filter that brought the losses down was setting the IV Rank to 20 or below. Anything higher than 20 made the losses much higher on large down days.
After I back tested I was able to setup a Bot on Option Alpha that will automatically do all the buying and selling of this trade every day on paper money to see what happens.
I am going to back test 3 years later tonight. Will update here.
Update: Added in 2022 and 2023 below. Seems SPX IV was high most of the year and caused lots of trades not to be entered.
Back testing details:
https://preview.redd.it/ooz5x9cmmabe1.jpg?width=798&format=pjpg&auto=webp&s=78d6f1603ca6118b97c0fd82220dd2667fcb0ca0
https://preview.redd.it/r6j7s9cmmabe1.jpg?width=913&format=pjpg&auto=webp&s=9d7a176994eb26fe7353d48f6d6ad3606d88b609
https://preview.redd.it/5drm7acmmabe1.jpg?width=928&format=pjpg&auto=webp&s=ec3faf3680f670efe4e0cab452d0d2fd9d5f9bbb
https://preview.redd.it/i7hozxt5uabe1.jpg?width=909&format=pjpg&auto=webp&s=a2c268f0adfe280eae9d8162615b91881c53038e | r/options | post | r/options | 2025-01-06 | Z0FBQUFBQm5teE5QNWlWWHdRVUttaGRQdFJiRW1pdmNhOUJNMXlYb2xET2paWFFDR2dNd3VxUWlXd0ZxUi1fbGVSNDFIelNwMnRyVlNPVmlkbFJwbF9LVmx4NTI3bFBhbXg0YlRuMzBoVDR6NlZ5MkNkaXE4ZjA9 | Z0FBQUFBQm5teE5RV0M1aS1SbXY4U1phUGZYUGRGYTFlMEpvS0JfdDJ1c0t2MmFIWE5PWVREOGVIS1VhRHRwM1hIQ0FnVi04Rm5qeGFfNFVhQVZNWXk5MHZ0MldOU3lnTFE4OEZRcDR0UHplV19oTjdpempDbjd1Q1NheXZBc1hDZ0pHR0Jqb3RuS2Nia1RxV2dtYjRPUC1xVVl5TGQ5SUN0THpwcVBKalppbzdOcHJBMEhBcjdjT0Rmcy1Pem9MdUkzR1BFRUJqYmZ4VENGNjFPYXBQRFVoSXpkYjMwWHhjUT09 |
This coin is old news lol I remember when it was overhyped during the last bull run nothing happened to it | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QMjFVRjVBN0dJdEZZeUZBY012QXBaQVU2cFFCd05pVnYxWnNiRlB0ZzhfY2l0MVZKazJobFEzMlZwRmQ0N0xBYko4M3FTWDNtSDZDVnBOZVVNR1hLWnc9PQ== | Z0FBQUFBQm5teE5RcjdVNXYwbHlUVmxTcGZseHduQkNtOTBkVS1QY2ZWbEVQdzhSd1g3bHU1R1JjN180U1F1bnVtTi11ZzV0ajJMc29kS05zQnlNd3Jia1RYSmhEa3lOZmxOdXNzY01GbkQ0WEkza2N3OHRUNVk0V0FsRUpZNTU3MXdHLTBSYkNmZTNFUjl2UklnUldxY0xzd08xV3pxRWE3Q29rQ21nVzBrcGZhUG9mZVpUZkVYMmp0RS1JNV9YMEtVamZkSEQyQlpG |
In it to win it got 1300 coins avg 16 little salty I didn’t sell last time at 175 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5Qd2ZxU2hOVWg4QTdPdUozXzhUdTBYb2ZFX0FGWEk2MnlWdFB0b3VtUHNkRkRwRFZKUUUtbEVTQ05vbTJpNDYzeVAtMC1VSjJBV1BzWkdmOGo0d3ZRR1E9PQ== | Z0FBQUFBQm5teE5RUG5UalpOT0xPUzJ4QU1pUEZwNnNDWWhtQ1lkZFVwTzNRQ0dnWFRINGVBYnZoLVJBQnljb0NYNDVCNDdzb25zNHJzTVlkdGk5ZFBCWndueFY4aFlmSklCc0RRSng3QWVoR1NCUkk1bVAyOHV6VnRaYWwxa0hSeWJVWmdJM1BvZjZwUGJGVktGbVUySmFqNXA5U2huWW5LRHRYdHEwSVZZX19iekZJVWhGYlkzdjJCdTk1WHFZeThueVVob3psbEpL |
I am in the state of Georgia and i am not quite sure i how to buy bittensor what are some easy ways i can? the couple ways i have tried have not worked. | r/bittensor_ | post | r/bittensor_ | 2025-01-06 | Z0FBQUFBQm5teE5QenhsTXpRZDhfUEtURkZrWmkzTmRjM2I3MUtnVUJTZnF3aUxLUkMyaTNfSnMwWFA0c2d3SU8xX0NnQlBkUVIzZzFHcHRxU1h5RTdOWGw1NEdmWlRjZnFCRC1KTUxwVjFPLUdSX054QXZWdHM9 | Z0FBQUFBQm5teE5RRmQ3OHF2U2VJaUp5TzFYM25sLXlBMFhPazNuY0lqdzZ5NGtObWZQd1cyUHlQU1hPZFJXVG5zX1hsWHdTOEtUZHIxLUxQZHpzbXR2ME5lV2xPU05IcEwtREtxYU9YeHRzaUFzdkdMWjdDQXBCeVZxZFFjNDdkLWR5Y3V6dzZJSnJHWXpSTlA4N1F3SWx3NGhjNUpGVW1SY1FfWG5EOVljSzJaeWRXOGdTRkpZPQ== |
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*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/EthereumClassic) if you have any questions or concerns.* | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QbUR5MVlOZEZEc2swWXdBelVtUDZLSzZ2bGhoVV9pOFY3SkQ3eXRlbUdPbDdiWmxKWmxYZEhlSk01S0ZUNGRYOW5TU1JDTjhFbzRmTm1pTDVKRW1JRWc9PQ== | Z0FBQUFBQm5teE5RNUJ0Z1M4QmVLN0w0UXNLVXZ2SlZISmFKWHF6ZlN6NHV5WUh4eEpGaXRrMERaRHVRZmJwc1IxVWJuemh3SW9yTmJaVXlCTmxYRjdPNWY1Nm11WHlvZk9pNVMzRXZXd2RrcjRjU1pXQXJCZ0ozb25YTU5JX0lrV2FMbVNKRXJOcjdJdFR6cTVUVUhob2VsQTFibDRlYzhuUEU4N3F3X1BUazJGRUc5MlJpbzV2RDkwbDk5NkRPUTBROEhiTW1NWE0z |
🙌🙌🙌 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QdzZxS1NGbTU4QUZ5RG40emg1anpVQVoySHVLQS1ObXhURk9VTFg2bW9nanN2RThsWGVGWm04NHA2NVVDZ1VONXZuYVN2aW9JNVpMRlVzNmU3Qk9rT2c9PQ== | Z0FBQUFBQm5teE5RVUJkWl90RDZ2WkZaYW1aTjZzTHZMNGN5cXE0U21NbTJvQVRzMnFORE1ZZWczNmh1QTlKeUpHay12X2djYXI1ZmNIejQxajRibkNvMzVNOHdoWDBFTk9aMGZhMlpsTXkxZ1F1NkpHeGYxNC1feDlhTU55b2IxZFZDX05xM0xiS1U3a3B5OGdTMDg3LW5wOUptbkkyZ1p2b0hiSHBHNkJ5WnY4dDhmcDVXS21obnkwZXlJWFV1OTRtc0R6Tm01SmN5 |
Junk | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QRlhXYTZuZmNjMzdNc0lzLWg3cnh1dVExSGVKU01ldVJSdTZ6SnNYbVVvczc5Y3k1NHJneDlVUG9DZFJla0xHUlNjSUQ1V2R5eFpUYklONFhGbzB1cFE9PQ== | Z0FBQUFBQm5teE5RX190NW1JYTVXZ3pra18xMTI0WEliOEJwOXRmQ0VsdkJHbGpxbmt5aUxqWDlMeWdiRW9zRmZkVlZJanptYXFXSXNUVVl2ejk2NjRMZHZ6SmRmX0JnWlgxTVNPdGszb2ItN256VFVOdUhVbDE3SnU1LU5Dem5aM0JBWVdiNUNuS1hobnRpOEV6eXpxNFZ2NDJpR1pRTGx2NXZ3MFZFV3lGM1FGWFdQcWM5LUY2YU9DYnlVWDJrOHRkTW1wUThIYk9k |
Howdy. Is there a way to lock the wallet when finished similar to other wallets that have a lock button or exit button so the wallet is locked until you reopen and input your password? I don’t see 2 factor authorization either? Thank you | r/bittensor_ | post | r/bittensor_ | 2025-01-06 | Z0FBQUFBQm5teE5QMUF5b1dhRlZRejZMQmxPT2FZaVo1MTQ0TU4yWlZBcktoQ2xkWHU4VmViUGZhZ2NPMHRJQ0JlSFlkU2Y4TllJel9xU1p6WWg3eVhwZHIzRHJDVDgxcE5zY2ducjdYNXhEbEN0ejhJcjQzaW89 | Z0FBQUFBQm5teE5RMFBudFppM1kyNU02SFk1bUJjZm1jbk5qZm1YWmVfSmh4aFV3X29tb0llTVQ4RVJhZldVMnRlQnAwTHlEYUJYbzRDYmJuRTVicFRkSG53QWRBRnd0dVFNWjR4MmliUXBXM0pFbkk4LVBfODZwVEszVloxUWk0YlhGQnFJMzlQYzF1SjNSOVVlUzNiQVpYWjB4SGVwMU1vMFRGb0VqOWI2UFZPdXBVUC1PS1A4PQ== |
When though ? | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QZTRKRmhTT1RTaF91SVI3WklHcHM1VVZSdjktX3pTWDVUZWF0eWtiZzIteC1Mc2FTZ3FYMDNVRl81ZElldGRkdjJsUjBCLWt6TE9TX2dPamR6TzhXZEE9PQ== | Z0FBQUFBQm5teE5RQUJPWU84REF1dmd3cVM5Mld6VDJmcU5ERWtiM0J5d0E1WURXUzZVRVNDV1BpTzROZDhWZkZqa19USk1Ca3VQUFJlWWF6ZTE0WHphUWJySktpaUpZM1Q0TmtZb25kalhpekNUdnM0NWpYMXhhZ3MyZXlJeUczWjV0SEhTSWJVdlpaN0FjSHBFVlM0R0pGQXNnRzlvOUdNdkg0a1JxRUxkZTJqUHgzY0RXa25Hdm9mbzZzck5iWVpkTkVhZU50VXpQ |
Comparing an OG with a meme coin is wild 😂 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QejV4NTZIT3RTTkdrdkZ2RnV2cHFuLWw2YjJ3OExTUkk0OTdlc0Z6N2M3T2Z6X2U0cTV1VFNNTFhYUVM4REdZcnRtbUFTYlZQLURWcjVjRlk5SXBxYTIzT3hzUG1wTEhuVHFZTjRHSEd2YmM9 | Z0FBQUFBQm5teE5RNkhCbDRHd0pESkZqT3dMaGZNVEl4MnZfQ25ZOWJWLU5HZ2dWQUhicWZaejBtQ0wzX2RmdEdET0hNRXMxZE5UMFZLeWVIX3pUQXFwWm1uWm1JQ2g1MnJzVGI2dUpqV0JxNmxZXzFfb1l5cXIwWi12U3RTWEplQUpCdnRtMDVQZENLRWp4cGZXbHBnd0hDcEJyaVlidmRoWDNBdjNWMC1EajUydnVnUHJLNlhCZno3ODJBbk96c2d4czZEYTNsX211 |
It’s not even in it’s cycle | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QQTFaY05lZmZzekQtYk5MZzJPdkFTMmNuY3Y3SWlXR0VRM0pEU21MU0hwRjhfOUlEbkpvczI0NVNfbFlMUGtoYjlRWVRIRmRrNkYwckJ5YlFFVFJIdVV2OWFBeWwtRU9XTjluejlNWGxBVVk9 | Z0FBQUFBQm5teE5RZkVfUF94cFctcXItUFNjZXpCWHlEd19IVTB4QWQ4QmpId19BZXY5OFdzSWo5cTA0TDRTc1VieUhfZXBUUDh1bkFzMzU3MWhpbjJvYUx4bTFpa2s4Y3R5SG10bEkxTjUxeUo2R1RqOTlmTWZpUmhwUGx2MDQ4UFg3bDIyV0NJYzJVdEthUG1xSjJoMUh4b29LTnQtVWVZQTZwTjQxRHFyOEpzYWltUzlrSWwxZGFJb3E2Ykp3Z0Z2bUdTcWUwTlRm |
😂 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QYTh6Ujc5dlBlT0w1aENqcFhOckh2ZEtRSWtNaFRxd3JjSTMxajZybDRpVnZrOExwMGxzbW9QbHdNSXgtQU9NMUZPSmtlMzF2RkRWTVhfLWtCRjhVZXc9PQ== | Z0FBQUFBQm5teE5RYnpMdndfcHQ0MlVERnNmM1JtS0FGUExZMEkzc0N2YVNnelM3ZjdUcWswakxqVDh0TkZoS0VlVFA0TG1xY0xsc2E4bjdrcVNJNHVUQWhhcWFoYmxxcXMtV3o0Sl9XVVNaNDZyVTdGTlAzMVJMREd1X0xIUEgwSmRQaTY2UFlTNFpHbmNkTkNGWlF3SW1laUVzT0RkVlVpNDFzX0swNllSZ3dQanFwQVJrTzdNLTBBMzFVXzEwX0Z4LXZySXZPYS13 |
It’s this week. Maybe this very moment.
It’s about to go. Cheers | r/bittensor_ | post | r/bittensor_ | 2025-01-06 | Z0FBQUFBQm5teE5QU0prTmFrZGNzdTk1b2dLZ05zdU5UQVZMSHFEY0tES0d1UkZaMXNrMzY0SDl5TmZ3aVBwNXhrU1NYVXFIN3c4aWZBc2hfcTRfb0FKdS02R3I4a0FmVmc9PQ== | Z0FBQUFBQm5teE5RM2N6VWZNR1ZpdlVnTW9FNTQtRzhyQ1NoRUZycHEzcU4xT2tUaUVaMkR0aUotMXZZRVhIUkxWcjVnemJPQ2JQWG16a05oS0VCOXk5Sjc1RlpoaEpUS0NFbHA2cy00WGc5ZEVxR1BtT3FDTDgtNFZRZEJRNnd6bFhPQkN2cmJ3V0pDeWFMQ0w5eU5Kb2psdTVLS0xsR1BRPT0= |
Soon as this turd hits $50 I’m out. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QbzczSzlyaGd3WFYyLUppNFg5V2VsR3lObDFtc2swb2REMDg3QmhmMFkzRWw5Z2xhYzdYUllRMHpraVhZZE9wT0dtcWtsMEpYaDAxQlNXODNURG5VMTd3c19ZMWVuR0t6WVVDQlNQSTJWTTg9 | Z0FBQUFBQm5teE5RVDg2YWdiWnVTcDRHQVZJdWFnRGpxR0VPMzl5NEdyeDVYcXdTOEE4SEFrdFVaQ0FfcExXRHV0cEIwbHdBUUdBbXMxZE90eXlScEl3V0xyYVppTzhreHVlRnRBR3BDSTFpYjdHN21YVWhYQW5UOHl3NXo2NGVHclpmRW5zSmRTeXAtc3ZXeFl1M3ZEblJIdDU3QVU2a2NWbThZdU5pY1RNMTQ1ZXItMGJnTm9TbHpFbG52M2UwcU9MM3Z1R1A1MllN |
Same goes for lentils, rice, flours and sometimes veggies too. | r/frugal | post | r/Frugal | 2025-01-06 | Z0FBQUFBQm5teE5Qd0hOckR3R3BjWFh5SFFJUFFyR0g0M1JvMmxaNEEyOU56Tk5CbFNzd1VKcVc5LS1BS0puTklPY2xSRURxc2txU3R0SjAtTXp3RllLaldGUHZBLVNLWXc9PQ== | Z0FBQUFBQm5teE5RRWRweHlMYmVMN1kxNGEwcWVTMjFQZjAxblpGcFFhRW1uZFZzRTN1Wml6ekU1bDEya2s2TGJSQ05VUHNhTWk3VWtlQWtnQlJlcjZhT1dCazA0cmlyaFlGMVdiLWVrSHpyWm5ObU1YMHc5a2E5YnV3SVo0c0ljUzR4cHJDYWFETTFwOGl6LUxhc0x5dVo4LXBTYzBrLUlndEYxNWV3MFpxblg4OUpaQVhrOUtIU0NLYkpIUktOWll6UzRRUjRUeERyTjhLazVnYmpENGZWWktScDNDSk9kdz09 |
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Replies are expected to be constructive and civil.
Any questions about your *personal* finances belong in r/PersonalFinance, and career-seekers are encouraged to also visit r/FinancialCareers. | r/finance | post | r/finance | 2025-01-06 | Z0FBQUFBQm5teE5QWkJUczVnWkl2R2dlQzFsUXF3MEZGb29hREJZR2lHV0dmUnZrZ1h5VmtjSW1hOXAwWmZfbE5MTmxRUzR0T3NqallCQ0tpSEVBNG8yUTk5aENEYjRkcnc9PQ== | Z0FBQUFBQm5teE5RVGoyNG9wZ05tQ09zdk9TaDZyOXoybFpib3ZoWlpGRzA0aXBOcHlrTDNGblhYUlAtdG11OEVhWDNSWWxOLXJNZ2J1eFBveFNBSW1VQlpzX0EyVUJnekJQZGUtRmpnc2p6aGVMck5oUHgzWGtqZUh6WTdhNXdOLU5PN1lZWGhqUUxhbzh4V3NyTmxDVmh2OGQ0eUJBRmFHaU9DSzdhVXBhaTBnd2M4ZXZVVzBYMzRpdDRXWVAyb2xMY1YyYnF0eUhW |
😂 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QWDdjTkJKaVRUMURNS0hjTDhQOHZSekxST05EWEtWTjdsRjJwSmdWeEU1aWZ3MXY1MGNTa29iZUR1c0pyQmpBU1l4X2xPRzQ5aGtqNWpKSEJSVjA1UXc9PQ== | Z0FBQUFBQm5teE5RaUwyWDdPZWE5Z0RCWnBxckZZT1g1cDZaQmFRWGh2MTRHMURWZXBTdm5IZi02d0d4Um4wMm5IRDdGMTFIaVpyMEhWc2FYUjRrWDZQQ2FJRDhqWmx6MnQzbnVUalRBX0xTOFpYaW5pUG53TjVpTEs3RE8tTHB1S2s2Y1NLbmJhMnlMQS1JUlZPelpUME9EUXZmNU1yWFJuQm1fT0dDYzlGTzgtSWEwQjJ5M3hSTlRtY0k5LTlPOFBoM1ZfeFlYRHVp |
Hi all. I need help as looks like Othello wallet is no longer supported. I have some locked Celo but given not supported need to unlock and sebd balance to another wallet | r/celo | comment | r/celo | 2025-01-06 | Z0FBQUFBQm5teE5QREs1Y24yTS1MUEVWcTBTQTJkRW5PRFpqZ1UzbXlzdW1UZmdUSEFfNURfLUREc2ozNVhQU05ERXI2RHRiV3F2Y2o4cEhTTXExamNMUzFtaTdsUTA3OWc9PQ== | Z0FBQUFBQm5teE5RWVVNc0lGS3Q3VHpuaWc3ZjJDUDEzZGlMeEtTX2hGUXdVRDNjZ290bC1SWFFaSDFNY0NuVUw5Z2tZVFZ5a1dlZVJfeWkyZ29UdVlGdVRXT3Nld1NCYUFzdm5ZeDR4aWNuV3ZaYUhaMy1NdGtUekZIbjlUc28wYk5lYWV1a2Jub3lpdWwyTTBXN3pxRnlUMk5rdkdxczh6TnV6Zk53UklfY1hocjN2MjhheU0tTUhxQVZHRHF2T0NQcEZsTFFJWnZjeVAzbFRCQWhXQXMtWlhnbU1UODhTZz09 |
Don't mind my newb question.
As you know BTC only has about 5%?? Left to mine
And it's not possible currently for some places to sell BTC or any crypto after the 4th decimal. Won't it be pointless to buy anymore satoshi?
Kinda feels like BTC is too high for begineers now as growth seems to be close to it's limit?
| r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-06 | Z0FBQUFBQm5teE5QNUNjR21ORUx2c01jMk13V0tlaGtSd0txLThuMW10eGhtSkNkU1V5aHVrT2hPSEtjTW9ydUh4bmprUmd4SFFOZlJVNUpQNmtRWUxLNlUzZTlNSGM3UUE9PQ== | Z0FBQUFBQm5teE5ROXRBZXQ4QkpIZXd6N2VUdDdqcVE2MkRVVVNDSWVTd2hIV2drWndQdkhVdzFtU2s3MXhrS05SbmlLQ2pxUU5DZDVUWTNId2RKT0VkMXJXaXBYOUxGNkVHd1QySFpoZTRDWjJ2TEljV2h5cTJNUkxMWEJsbFkyeDhpcE43YXdxWWhrTlhPcWV0WDNRVzA2UXhHWG9VX1lpR3RERTZQM1RKampQWUxzR21sQXJ6emFtQkJmX0gzb3Vjd0l0bldJdDlUUTJFTlNQdVNicUN2TGNuZDY0bEVMUT09 |
Etc is a good investment imo if you're in between 25 and 40. Not a good long, but excellent in medium holds to generate returns. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QUXJqRE1WVTQ1ZnlNSG1zbl80NXZ2Xy1qVEFuWjJZNkJyRS15VTBCMFhKLVNLMG9KQk5TZjhKWmd6dHQ2OUh3aXpwVWlzQTN5QmgyOXVLQVN1d05aVHc9PQ== | Z0FBQUFBQm5teE5RVEllSUpSS1B2SENKVmxRazZHak5qUmoxYTNTR0ZDTU8tTVhqOEJGeHhOTk5CbWswZlBJLWUxNVR4VDF3cUY2UFE4dUtWRGFaTTRjd3ktdDduV25RanJQQkpEMTVpZTNqZG92UjVZNFF5WHhVbDBrUU1zUy1kUUFrSXpBTjZPcjM5QjduQUtXeGtRZzZ6V29pNk9GdTNwSVhYQm5CWGpXLWNwWFNha3U4dWFFNGtDa1lhSmNGTXQ0R1ZJS2s1N3FP |
lol 😂 you’re still holding this trash 🤡 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QMlc2VXhCNWxVTVFPbUxqRTNQakRBTDZwdFJUYlgzbDNrRG5jNHdrWFluRDBZeExnaHlCbjJXd1JwX1pSdmtpaXZNNHRVU3ZvcV9oMXoxRHk2UllFZFE9PQ== | Z0FBQUFBQm5teE5RZFpHT205Y3A0TFVILV9wcDJ4U29wNjVLeTdHSExNSE9DUjR6aGt6bGgyR1dKX2xXdUpzUkIxd05HdXl4N1o1WFVKMlo5d2dHdHp5RE04anJCVHFsX2EzbTIzbmZvdXY3NXVDcy05elFVRnZ5V1hfejZIZEptMEpGU2JmMnlBT25MYVI5SnNyeWtWVVZReUdyNjhhS21aSmhyY3ZoNnZJQXpfeENzV2VmdlpEWkt5ZmotamppV1JTM2g3QXpUS01f |
Given the success of the previous MAAMs ([see here](https://www.reddit.com/r/Monero/search?q=maam&sort=new&restrict_sr=on)), let's keep this rolling.
The principle is simple: ask anything you'd like to know about Monero, especially the dumb questions that you've been keeping for you every other days, may the community clarify it all!
Finally, credits to binaryFate for starting the concept! | r/monero | post | r/Monero | 2025-01-06 | Z0FBQUFBQm5teE5QZWE0VS1WRHRMTHZmdklDYVA0ZFZya0ctRE1zT0lKQXBRRzdHS0pzMHUyakJCcUk4ZGFQN1B6bEpDVmNRY014R3hOMkRsQ2hhRHl0YW40R0RHX2ctV0E9PQ== | Z0FBQUFBQm5teE5RaVI2b2FVU0Q1ZFJrMEpWcFYwZjVPR2pRLUNndkJPdTFFU2xSbHdxZ3N4aVY3aGRFeWUwakpJYkpSN2VhLXhFM3RqUXdYRWZMR1BhUTJVQVhiQWh6WFhzVGdPZlY4RExveU1QODJfNGFibi1uRTdNZXNxRjIzQ2gzR1puQ1JGcUZ4WjhYLVBlOXpILVlFZnBmLVRhVVBYTzZTRG96Y0NIM1pab1lzV3c5X0FxSmFMalBreUtjR0RsSGt6UTFwNDRnc0pmSGdjcXJ4Qkp3djZIaTFicDY5dz09 |
Where's all that money I was guaranteed for doing nothing. /s | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QUndrdmg5aDVxYS16b0VCaHFlaGFXQVBfR2F4Q1dfQUhmMXZmMUtaT0pFeHdDWU15OFhhRWNqY1B5Yi1sM01McERWQzBTcXA1dmkzcTcyY3pFbU5HZGc9PQ== | Z0FBQUFBQm5teE5RYVE4U3VuQTZfM2x3WlZuM0s3Znd4eEluY0JzTU14Zy1FZEtjX1RkRDBtNE9RWGxsMEJvTGliVUQwS0E2dFZQdEI5VGQ0ZGhDVlpQeDQ1VU5KMzVwUUhLT3pFd1J5Yll6NG5WRVRvQ0Qwcl9FZkgySUdJNHJqUEJVR3BfNXM3Qkt6OGlXUTcxcUFlUmtKSm5obE9TVnF4ZnlvUUdvU0FuQkxjQkhfUzFBQVBocEFEMzRESGR4ZEZ5QmNsc1g0S2Vu |
Another “buy high, sell low.” | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QVWROalNjMEdXZW0tYnVlRG5XVDBndEUxMjJrSWREZ2l5OE9RUlBiU3Q1bl9odWFpSjNoWHhlUl84NEJPaklmbzJ6QnVkTmw3R01aczNVQlZQc29tdFJCOVBJcFd3b0xSRmtaVFpzZXZaTTg9 | Z0FBQUFBQm5teE5Rcjc4MTdIVG5yWm1nOFB4ZzRqMTJlSjRzYnhMSDZJcFhWbU0zVmhSQlJfTGpERmRLeGpPYjhMLV9qNEVsc2pIRGZSZ3VOT1d1cVBoZFVtRURQeG5sQU9leG9YbmpSdGpiSGJVQmItcVhRUjh3aEIxN1lyVWJYTUwyYVM0YlB4ZnhGZEViM3dlS3U5ekhPaW90dkFyZGFJUlFCVDY1QWgwUkswSFBwNWd4Q2R0ejVuUDVNTkFIY3BwQ0NHMWhLaVpj |
## Join Robinhood and get a free share!
Thinking of opening a Robinhood account? Use one of [our referral links](https://www.reddit.com/r/RobinHood/comments/1aguejm/) and you'll get a free share!
## Important Links
- /r/Robinhood Discord Server: https://discord.gg/Robinhood
- /r/RobinhoodUK: Robinhood's coming to the UK in 2024
- Google: https://google.com/
- Investopedia: https://investopedia.com/
- Learning material from the SEC: https://investor.gov/
- Robinhood support: https://robinhood.com/us/en/support/
- Contact Robinhood: https://robinhood.com/contact
--
^Standard ^disclaimer: ^The ^content ^in ^this ^thread ^is ^for ^information ^and ^illustrative ^purposes ^only ^and ^should ^not ^be ^regarded ^as ^investment ^advice ^or ^as ^a ^recommendation ^of ^any ^particular ^security ^or ^course ^of ^action. ^Opinions ^expressed ^herein ^are ^the ^opinions ^of ^the ^poster ^and ^are ^subject ^to ^change ^without ^notice. ^Reasonable ^people ^may ^disagree ^about ^the ^opinions ^expressed ^herein. ^In ^the ^event ^any ^of ^the ^assumptions ^used ^herein ^do ^not ^prove ^to ^be ^true, ^results ^are ^likely ^to ^vary ^substantially. ^All ^investments ^entail ^risks. ^There ^is ^no ^guarantee ^that ^investment ^strategies ^will ^achieve ^the ^desired ^results ^under ^all ^market ^conditions ^and ^each ^investor ^should ^evaluate ^their ^ability ^to ^invest ^for ^a ^long ^term ^especially ^during ^periods ^of ^a ^market ^downturn. ^Have ^a ^nice ^day.END | r/robinhood | post | r/RobinHood | 2025-01-06 | Z0FBQUFBQm5teE5QUmRub0ZHWDZZOXZubXRfWEF5Wjk0Z00yaEs0Rk1haW9YRndXS2gxc0dUNlV6RlZYV3N0V0swMW5TS2tVRXEwQnI5UXBDUVZ4ek15NFI3cjRDTnJfWE5DTENPZ1hiaHh5Q2hCdzhfc3RaZ0k9 | Z0FBQUFBQm5teE5RSG5iWWFfbGQ4SE5USXM3am5vQVdtejdoY0M2RmtkcnJHMW5pZjNkNTJIdUFTWG9ER0dTOUJ5eGRfc0kzX0dhTUhUcnB1bVlVTDB1R0dIVzVvOHlkZzdpdmlPVl8wNzRzdTh5LWVJbVZRblE2akxseHdOSlFueGZSa21IcFF5SG00c0RUTTFsN2E0VTFwMVdaM1Z0N0dKeGQxNWY1aWVFUFVXaHpqbVFGVXpvaV9rTEtkV29zczdkSml4Mkg2bjZs |
Hmmmmmmmm | r/solana | post | r/solana | 2025-01-06 | Z0FBQUFBQm5teE5QQzFMbjlyVnBrb3k2Z2VMNEdGSWcyRHJMZTBOakgxN0dtbU83Tm16emlkelQxN19vZnpPRTlnSFUyZjRTMHNncjhGRzZHZExMUnRfZVBwOEs5NE5NWnc9PQ== | Z0FBQUFBQm5teE5RWVRvOGIyTVBEaVVseV9abWdoM21USFdEQjZvYkM3RGU4eU9kUjhyM0V0bGpRNmszOWxkVWNKalJEbUpCTTBybnVsZFphUjAzQzF6QllhSF94UnlpYW1yVGZxLS1tTmVIbVBfOGhsLUs4ako0SHhQMTBNOFFjY1AtWHhlU2RGTS00VTAtVFZlQnFYU3BPMk5lZEF1dlJBUkVUcmJHRm8xMmVRRDk4NDhnejRNPQ== |
me and a team of friends like to make our own bot. however before we start the project , we like to know what is the most effective way to program a bot. is it java? C ? rust ? i checked google, but many different answers. so i would like to know what people with experience in this field think.
also would it be advised to run a VPS for example closer to the swap exchange or would that not matter in terms of execution speed?
thanks | r/solana | post | r/solana | 2025-01-06 | Z0FBQUFBQm5teE5QaFFHWVRkMUlQY3B0ZUhUemMtREdBNmFMWW9VVldCeWdZNW1ZbUpwYV93OVZBb0dyMXB0VFRnMDFYeDQ4X2p1b2ZPNkV2ODNKREpMM1Z4X2xfTV9mdmc9PQ== | Z0FBQUFBQm5teE5RU2dBUVVaSllqSnQ3Sndjc2MzUVlMeDA1ZHp2MDRFV3ZwRG1zN1hXMS13U3VaNDBqNmhybmgtV1pjUmFXcWxMek5LM21oaDlmYnVkcEhkVC0zMWxoRHlZMF9PRjgtMEFPZTkyRXJWQnkyU0dsYUxyQVkyV0lsWVFoUlp4WVYzRlFDZ1lZQjhwbWx3QUdrRm1kOHdUUk5TZlhiMG5CNjFkRHpQc0xJUWdJUTlxYWNlUHk2OEZnZnAxU01ULURjc2Z6YVM1QWREeXFfWmtkbmlCQXFwZl8wQT09 |
Ghost mode activated!! Do you know you can spend BCH privately? Yes, using Cashfusion! In today's article let's discuss this and learn how this is a necessary feature on today's world. | r/btc | post | r/btc | 2025-01-06 | Z0FBQUFBQm5teE5QazMtaHBNQ3JSeDZoLVRaMXU5c3o4ZHd0WlNqSDdMc3NIWHJxakN5b0dXcEJHVWRNUU1UQnBINzY5MEVRY1doUDRQa2NuWVI5QzNrbTdpY0hBdUc2UHc9PQ== | Z0FBQUFBQm5teE5RR3E0UU5aOGxXQU5IWDhwRWkzSjFTMHVaR3UzOHdmVUVxY2Z5OThfUzZiYkhQWmJwUjQ2dHhpUmltRUszOHRSZURORnlrajEwbWZxZ2VFSWhUMGdkMlM3b3o5SS1kRjBxa1ZQaGx0eHJXMU96SWQ2NDQ4QkVYQnNxWUk3Z0pMYWRaTkgtTW1sWjNBMHVPZ2VMVU9lZTNJaGh5Y3pkOEJBazB1SlhvNnp2UEtwSnJ5QkJrdGZfNlFJVXY5MTR0alo5NENyWFJIT2VfUGlLdmV5UjZtRl9MZz09 |
I have an Amazon Prime Chase CC and one of the things I periodically do at the start of a quarter is check a bookmarked link to see if there are any new spend offers available.
https://www.chase.com/mybonus
After checking this morning I did receive one, appears to offer 5% CB on grocery, gas, and dining up to $1,000. Full text below.
1 Earn 5% Back: To be eligible for this bonus offer, you must activate by 03/31/2025 11:59 p.m. E.T. You will earn 5% back total for each $1 spent in the grocery stores, gas stations, and dining at restaurants categories on up to $1,000 in total combined purchases from 01/15/2025 to 03/31/2025. Whole Foods Market and Amazon Fresh purchases will continue to earn 5% back for Prime Visa cardmembers with an eligible Prime membership and 3% back for Amazon Visa cardmembers during and after the promotional period. Qualifying Whole Foods Market and Amazon Fresh purchases will not also earn in the grocery store category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs. Purchases posted to your account with a transaction date during the offer period are eligible for this offer. Delays by the merchant could extend the transaction date beyond the offer period. Please allow up to 8 weeks after qualifying purchases post to your account for % back to post to your account. (“Purchases” do not include balance transfers, cash advances, travelerschecks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race trackwagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To qualify for this bonus offer, account must be open and not in default at the time of fulfillment. This bonus offer is non-transferable and applies only to Prime Visa cardmembers with an eligible Prime membership who receive marketing communications for this offer. Eligible credit cards: Prime Visa card. See your Rewards Program Agreement for more details. | r/creditcards | post | r/CreditCards | 2025-01-06 | Z0FBQUFBQm5teE5QVjNlZHh6UmZOMFdKd1J3c1FkWTJVaTFQZ29lODBKcG9tOFEzNkh3VHFpQUlBcGJjUmhnSXpfT0U3SEc2WV9CTnp4cVg2ZVFKbXhaXy1YbkNXNmNPZHc9PQ== | Z0FBQUFBQm5teE5RTkpteWNsNmhkMXBld25WbWtxemdZZnBLYVdSTkhmOTQ5YjlpT1NxM2M0ZktSNndXdXNfVWprcUpBXzFNM2d2Y1JaNXNGUHNUbjRqaFRhRnd3S1kyaEMweU9xbkxJLTEyaFl6RV9WZlVLSDN6TEIxRUtLakpUSWNxbWx4VzRJZU1lZVNZUHlaQnlTUnZJdGk2aTA0c2NkQy0wLThYQlcwRERBNEtjZ3BCeU9YUlhacUxxczUzX1RLTjVVQnNmWFd5YTFzMU9Ed1lCWWU1UE16d3lrVjBUQT09 |
Same, in fact I bought more at $15. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QWHFVZ1d6VmZUY2FfR0NXOHRmX3ZQQmZQRklPOG1WdHFFUG56RThTMkJOamhYUXhvRTBaZVhsM1lLMHpfRFhLUkpwdUpZYzFaTDZfZi1fRGh5Tkl1OWc9PQ== | Z0FBQUFBQm5teE5RWVJlamRxTzJaYnVOSF9KODlUcW5tSG1DbUcyUWFiSl85c0t2eXlLWl9sSmZZY3JQN3B2dlkxazdjZ2p2R2NnVVE0YnJjcjJYcjV3dG4wbTZUWDdES0h5c3BLQ2VTY3FFSmczcnZFeXBmTUl4MjJuTTBnRk14VTh1LWRORHZBX1dTMnN0RUFZNTdBb0ZqRWRaekxJWlB2aEYxdE9uVTJ4alJfZ2FUTFRhaFJCd3pFMmxmd0g3T2dKbThZLVItN3Fm |
Yeah, the second immutable blockchain after Bitcoin. These people don’t realise this is the original ethereum before the other fork to ETH. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QRUVScS1iNmhPNktINFpLQWRCbUFyN1NFWDJ4bGZ0NU5NajNYY1RZOEwzTnJPVzdZNFhlcHR5NkFjY1M5RVotU2l4d0RmcDdWSV9tRE1icWRISEpxcWc9PQ== | Z0FBQUFBQm5teE5RVGxhZ2tVeWxhU3V1Tk9zNjZZNmZEVTJWSWEyb2stR1VRdkZYOVJBZlFUOEhjT0ltN2UtMjdtZXVQcFptNzlJcXpSN2c4REZJTFpkb3lGeXkybVlBdVU5aGQ3WmVYc3dBSVBuT1ZzczdqQk5mTm1ycVVLcXFEM2dQZktacnhRYUd2bENZVW05aE8wUW9UeEJKQnB5Q0pEV2NCamR4SjBYYkE3OXItWi16UkNNSzBSNWpWMl9sUzZCMzBtNTYxZHdY |
Adding to the pile of year-end retrospectives again. Taking a somewhat different approach to how I structure the post, since I’ve got a lot more data to work with since switching to Monarch after Mint got axed. I also started using NewRetirement (recently and inexplicably rebranded to Boldin).
TLDR: Broke first-gen couple gambled on expensive professional degrees, working out so far. Student loans used as margin loans.
*Link to 2023 Update*: [https://www.reddit.com/r/financialindependence/comments/18w3fqg/2023\_update\_11\_years\_history\_with\_time\_lapse/](https://www.reddit.com/r/financialindependence/comments/18w3fqg/2023_update_11_years_history_with_time_lapse/)
**TABLE OF CONTENTS**
1. Net Worth Progress
2. General Information & History
3. Savings & Expenses
4. Targets & Plan
5. FAQs
**NET WORTH PROGRESS**
*Time lapse graph of NW from January 2012 to present*: [https://imgur.com/a/XDPe0HE](https://imgur.com/a/XDPe0HE)
*Time lapse graph of NW from January 2024 to EOY 2024*: [https://imgur.com/a/7wS7ze3](https://imgur.com/a/7wS7ze3)
*Boldin Retirement Chance of Success Chart:* [*https://imgur.com/a/IILHGTq*](https://imgur.com/a/IILHGTq)
In short, despite all the hand wringing about an imminent recession at the beginning of the year, our household net worth increased by $547k (i.e., from $960k to $1.507mm) in 2024, a \~57% increase.
This consists of (i) assets of (x) \~$1.77mm equity index funds, mostly S&P500 (zero bonds) about evenly split between post-tax and tax-advantaged (pre-tax 401ks, MBDR 401ks, 529s, Roth IRAs, etc.), and (y) $40k operating cash (evenly split between checking and high yield savings), *minus* (ii) liabilities of (x) student loans totaling $287k and (y) general operating credit cards totaling around $15k (generally paid off monthly). More detailed below:
* $40k operating cash/emergency fund
* $1.77mm equity index funds, consisting of"
* $782k in 401ks/similar (including mega backdoor Roth contributions and one legacy Roth IRA spouse has)
* $609k in taxable brokerages
* $219k in 529s (basically sinking funds for two college and hopefully graduate educations; funding $100k into each before either kid is born)
* $88k in HSAs
* $56k crypto (up from $27k last year; just gains, no new funds)
* ($302k) student loans/monthly CC balance
Out Net Worth timeline is as follows (in case you don’t want to click the Imgur links):
* 2012 NW: $7k
* 2013 NW: $5k
* 2014 NW: $4k
* 2015 NW: $5k
* 2016 NW: $6k
* 2017 NW: -$217k
* 2018 NW: -$183k
* 2019 NW: $89k
* 2020 NW: $396k
* 2021 NW: $784k
* 2022 NW: $787k
* 2023 NW: $960k
* 2024 NW: $1.507mm
NewRetirement/Boldin currently projects that we have an 80% chance of funding retirement starting at \~45 and lasting through 100 years old. Note that there are a lot of spending, tax and other assumptions baked in here that would take too long to explain, and you generally have to manually update balances so it’s very slightly out of sync with the exact numbers from Monarch. This is up from something in the low 70% range when I started using Boldin/NewRetirement part way through the year.
**GENERAL INFORMATION & HISTORY**
This is my fifth annual year-end reflection post. At the beginning of my last semester of undergrad in 2012 I signed up for Mint, and I’ve kept it pretty up to date ever since. This was way, way before I started getting educated about personal finance and decided to take some career gambles, so the Mint graph above (now Monarch, since Mint was killed off by Intuit) show all of that pretty clearly.
Some general information.
* Spouse and I are currently 35/36 years old.
* After around March 2019 the chart starts to reflect household income, assets and liabilities (no material difference at the time, we were both more or less broke).
* We don’t own real estate, and likely won’t before we RE. All in on equity index funds. Figure the companies I own slivers of can deal with the hassle of owning real estate for me.
* I am a transactional lawyer, currently working at a biglaw firm in a VHCOL. Spouse is a recent MBA grad who did a stint at a large company but, after a year of unemployment, has transitioned to a smaller company.
* I don’t go too crazy with budgets or anything. We’ve got a decent apartment, like to eat at restaurants a lot and try to travel, but otherwise live pretty simply without trying too hard. I have gotten a little more spending conscious since moving to a VHCOL, though.
Some history:
* ***Pre-2012***. Grew up in a working class household. Parents didn’t go to college. Mom didn’t work. Dad was in the trades. Basically zero personal finance/higher ed/career guidance from family. Went to community college for two years, then did a 4-year degree at a big state college. Majored in a social science. Decided to try to go to a good law school. Worked at various fast food-type places over the years making minimum wage or close to it.
* ***2012***. Graduated with BA and worked for a year for local government. Made about \~$20k/year.
* ***2013***. Got into a T14 law school with no scholarship or other financial support. Decided to roll the dice and go despite the insane cost ($270k all in) because I didn’t really see any other opportunities. Was definitely a gamble since \~50% of people who go to even top law schools don’t end up making enough to be able to service that kind of debt load.
* ***2014***. Living off student loans in law school. Got a summer gig after first year at a small firm that paid $20 an hour. Most I’d ever made.
* ***2015***. Still living off loans, but this is where the gamble started to pay off. Got a summer associate job at a biglaw firm that pays on the NYC comp scale. I got super lucky—I only got 1 offer. Could just as easily have been 0. Made like $30k for working that summer, which was the most I’d ever made (basically made 150% of my peak annual income in one summer). Most luckily of all, I got a full time return offer.
* ***2016***. Graduated law school. Passed the bar. Racked up some heavy credit card debt since I wasn’t getting student loans any longer but had to cover COL for several months. Started full time at the firm. Salary $180k/year (but just for the back end of the year, so really just like $30k in 2016).
* ***2017***. Still at firm. Salary+bonus was $180k+$15k. Paid off credit card debt and about $50k in student loans (this was before I settled on the strategy noted above). Threw about $5k into crypto.
* ***2018***. Still at firm. Salary+bonus was $200k+$32.5k. Discovered the personal finance sub. Maxed all tax advantaged accounts for the first time. Got married. Some have pointed out in past years that it seems like my NW should be higher than it is considering the bull market and our comp. I blame that on the fact that up until around 2018, I was following the usual advice to aggressively pay off the student loans. When I realized in 2018 that that was likely to my disadvantage in the long run, I stopped and started aggressively investing instead (discussed in more detail in the FAQs).
* ***2019***. Still at firm. My salary+bonus was $220k+$50k. Spouse’s salary $60k. Discovered FIRE. Started piling cash into VOO/VTI/VXUS. Added spouse’s assets to calculations.
* ***2020***. Still at firm. My salary+bonus was $255k+$92.5k. Spouse’s salary $60k. Got spouse on board with FIRE. Spouse started a part time MBA at a top 25 school to try to boost household income in a couple years. COVID student loan forbearance kicked in so I was able to invest that money instead of making minimum payments.
* ***2021***. Still at firm. My salary+bonus was $305k+$160k. Spouse quit job to do an MBA internship, so between the partial year of pay at the old job and the summer pay at the internship probably made around $50k. COVID student loan forbearance was in effect all year, so we were able to put a bunch of money into the market. Plowed about $10k into crypto.
* ***2022***. Got an in-house lawyer job part way through the year, paying around $300k. Spouse started a $200k post-MBA job part way through the year. Moved to a HCOL city. Turbulent market and high non-routine costs given the move, but continued plowing money into index funds.
* ***2023***. Spouse quit post-MBA job partway through the year after one year. I returned to biglaw (I hated in-house). Among all of the employment turbulence, I made about $360k all-in, spouse made about $90k. While we still maxed out all tax advantaged accounts (including mega backdoor Roth for both of us), some big expenses this year put a dent in savings rate—moving to VHCOL and related expenses ($20k+) and emergency vet costs for a pet ($15k+). I sold taxable index funds to cover these (exercising for the first time my view that taxable brokerages can function as savings accounts at high enough numbers). Net worth nevertheless grew to $960k (note that I revised this down a bit from my post last year—long and annoying story, but turned out a small amount of my spouse’s funds that we were including in our NW actually belonged to my in-laws and I was able to exclude them with the transition to Monarch), up from $787k for 2022.
* ***2024***. Still at firm. My salary+bonus was $435k+$130k. Spouse got a new job over the summer with a $165k salary, so made a bit less than half that pre-tax—probably around $65k. Maxed out HSA, both pre-tax 401ks, and my MBDR.
* ***2025***. Made my firm’s equivalent of non-equity partner. My salary+bonus going into next year will likely be around $435k+$163k, but TBD on the salary—may be slightly higher. Spouse intends to keep working—salary will likely remain $165k, plus a TBD bonus. Still working on having a kid.
**SAVINGS & EXPENSES**
*2024 Cash Flow Sankey*: [https://imgur.com/a/gm9Gd4S](https://imgur.com/a/gm9Gd4S)
We had a 49.3% savings rate in 2024, with \~$406k in income and \~$200k in savings. Little disappointed we didn’t hit 50%, which was my goal, but close enough. Note that the Sankey generally excludes withheld taxes and business expenses/reimbursements. Our highest spending categories were rent ($60k, or 28.78% of income), restaurants/groceries ($41k, or 10.15% of income), general purchasing, student loan payments and travel/pets/entertainment (each between $20-$30k, or 5-7%; note that there’s some bleed between general shopping and groceries, since we often use Amazon/Whole Foods grocery delivery and it’s hard to tell the transactions apart).
Happy to hear any feedback on our spending.
**TARGETS & PLAN**
My general FI target is $5mm minimum, but would consider pushing for $10mm. Probably somewhere in between depending on how expenses/expected purchases look (some more detail on that below). Target withdrawal rate is 3%, with a flex up to 4% if the market is doing well. Currently considering retiring to a LCOL college town we like. Would keep working until we buy a house there, then wind down based on conditions at the time.
That said, I’ve broken out my FIRE targets into various sinking fund-type goals within Monarch, where I’ve partitioned off various accounts to track progress towards varying targets. As you’ll see, I’ve broken out separate sinking funds for certain expenses/expected purchases that I’d like to apply the FIRE math to separately (e.g., health insurance, real property, college, possible private school, passion projects, etc.). All of these are saved in equities. Currently our targets are:
* ***Baseline FI***. Target: $5mm. Current Amount: $1.43mm (29%). This is just our general FI amount.
* ***Primary Residence Sinking Fund***. Target: $500k. Current Amount: $30k (6%). I am saving separately for our primary residence, which we’d expect to purchase probably between 5-10 years from now. I’m sure some folks will be aghast that I’m saving for our primary residence via equities. I’m fine with the risk—I have no pressing desire to own real estate so don’t mind if I have to save longer if the market bombs, our horizon is medium-term, and I don’t like leaving any dollars not needed for daily operating expenses out of the market.
* ***Health Insurance Sinking Fund***. Target: $1mm. Current Amount: $25k (2%). I want to treat this separately from our general living expenses FI amount, so I can tie to the usually higher health insurance inflation rate. Expected costs are about $40k/year, so that means a ballpark target of $1mm.
* ***College Sinking Fund***. Target: $640k. Current Amount: $219k (34%). Note that, as mentioned above, I’m just funding $100k upfront in 529s. $640k is the projected cost of the most expensive college in \~20 years, so that’s the target. Expect to get close to that via compounding, then can fund the difference if needed out of other cash flow.
* ***Private School Sinking Fund***. Target: $500k. Current Amount; $6k (1%). Ideally can cover kids’ private school—just a posh thing that appeals to me as a first-gen for whatever reason. There is some bleed between the college sinking fund and this one since you can cover $10k/year of private school tuition out of a 529, which I can’t account for in Monarch. We may also not send them to private school, who knows.
* ***Other Real Estate***. Target: $500k each. Current Amount: $0 each (0%). Spouse talks a lot about having a beach/mountain vacation house, so I made buckets for them. I’m lukewarm on the idea, but not opposed, so I made buckets for them. We’ll see if we get around to filling them up. Same principles as for the primary residence discussed above.
* ***Retirement Projects***. Target: $500k each (one each for spouse and I). Current Amount: $0 each. I might open a solo practice for fun post-RE. Spouse talks about running a small, chill bakery. Who knows what we’ll end up doing, but want to have a small separate sinking fund to provide 4% annual draws for expenses on them. Can always not do them and treat these as part of the general FI pool.
**FAQs**
* ***Why are you doing FAQs…?***
Just noticed some themes over the years, so thought I’d frontload some responses to start the conversation further along.
* ***Why have you not paid off your student loans???***
Student loans are simple interest, whereas market returns are compounding. I have $300k in federal student loans at \~6% interest. Total payoff amount on a 30-year extended repayment plan is \~$512k. That number will never change. Instead of paying the student loans off, I invested $300k (the loan principal balance) in VOO in a taxable brokerage account. My bet (not really a bet, it’s just math) was that the compounding market returns would outpace the simple interest. Have been right so far—current value of that taxable brokerage is \~$532k after about 6-7 years (i.e., already exceeds the total payoff amount on the loans). I expect that brokerage account to double a few more times while I continue to make regular payments on the loans. Best move I ever made.
Some people are just so uncomfortable with debt, but if you follow the math it usually makes sense to pay off simple interest loans slowly and invest instead, even at higher interest rates. The usual doomsday hypo people scared of debt offer up is “what if you lose your job and stocks are down”. My response is: (i) you can easily get a hardship, etc., deferment or reduction in payments on federal loans in that situation so are pretty protected generally and (ii) worst case, you’d be selling stocks at a loss (maybe) to cover your loan payments until you get a new job—how long could that last even worst case? A couple years? And even in that situation, it’s not like you’d be selling everything, you’d just be reverse DCA-ing out of the account until your cash flow returns and probably wouldn’t be underwater forever on the stocks anyway. This all requires being comfortable with a little risk, but I don’t think it’s THAT much risk. Folks can be way too conservative with student loan debt. Student loans can be great leverage if you use them right.
* ***Why no bonds?***
I suppose this is personal preference. I would just rather 100% ride the market. I don’t sell when the market drops, and I have no interest in having a drag on my returns in the name of peace of mind.
* ***Why are you wasting time with sinking funds? It just complicates things unnecessarily.***
Don’t disagree. I just like thinking about them as buckets that I’m filling up. It’s all artificial partitioning anyway, can always just stop doing it.
* ***Why are you funding 529s before you have kids?***
Yeah, in retrospect I probably shouldn’t have done this, particularly since it’s not turning out to be so easy to crank out kids at mid-30s (thanks, microplastics). But it’s basically already done, so it is what it is. Will damage control this one later if kids don’t end up being in the cards.
* ***Can you make these shorter?***
They appear to only get longer. This is pretty much an annual journal/reflection for me. Happy to chat/answer questions about anything. Thanks for reading! | r/financialindependence | post | r/financialindependence | 2025-01-06 | Z0FBQUFBQm5teE5QNHEzcjJQeTNGZnVIdFZaT2p4djB4M2h1bFRJTWdpWWtGUVU4dElsb2I0TU1sb0x1Z1QtcGhWc2VKWFJBU1BSM2dyX0p6UnNOVmF4NlptbmxqcjI5YURZc1YyLTVrT2hSeHdOcVhoS0ZJcVE9 | Z0FBQUFBQm5teE5ReWNkaVJ5ZUNGZlIxZno5V2tJUndzNnJKbTJSbFNvaUp5dmtjdFFtWEhJN1F5S0tJbGlfREtuRGEwN3N6VUVsX0piWnZxbmV6ZTdkdGo3V1VjbWo5aUpJT1hHRllRQVNsVzNuejZpMWEzYkFsRHEzdThzcXpESEFKblNnaWNrZ0hfeXF6VUhPQi1NWUltRkxiU1lyM3RuRmdISTdKdXF0WEJoa19yNnBfRDlMNU9BeUpHbmtmUVl5R3BBUjJGUTJMdVFySTJvaDg4LWJGRUo1QUNpLXJUUT09 |
RandomX has two modes:
* Light mode: requires 256MB of RAM, slow hashing, intended for PoW verification. It's tuned to allow \~13 ms of PoW verification.
* Fast mode: requires 2080MB of RAM. Fast hashing, intended for mining.
Monero nodes use the "light" mode by default. This is intended.
However, it's possible to force nodes to [use the "fast" mode instead for verification](https://github.com/monero-project/monero/pull/8677). It significantly speeds up the RandomX PoW verification.
I request node operators who have sufficient resources enable the "fast" mode.
* Possibly several millisecond faster block propagation.
* Pool operators would want to enable this feature for faster and more efficient block hash verification (depends on individual pool config).
**How to use**
This feature is controlled by the environment variable `MONERO_RANDOMX_FULL_MEM`. If the value is set to `1`, then `monerod` will use "fast" mode for verification.
In simple, the command line would look like this:
`MONERO_RANDOMX_FULL_MEM=1 ./monerod` | r/monero | post | r/Monero | 2025-01-06 | Z0FBQUFBQm5teE5QdjZHRE43ajltLWhfdG5iMGFRaUg2Q2NqR055N3YyNHVfd3dPcklhZFMyYUo2YnBnMFAtOURpcENVcG5lQ1cxVkgtT0RJdkJUYzJISVBYQUx2WUpXMVE9PQ== | Z0FBQUFBQm5teE5RYTlieUV0ZTNReWxKLWJZNWJLa19kb01HQjZRanhRbVBKdkxKa0JaSkRUaVB6a1dSMG1TcHE5LW9oeWxuSHJLU1llb21nT2w3dFZBRUprSjlPMnlKdTBRVWl0N0dhT3RRNzhpTUVlcWJJWWFhakhBNkowajBlSzU2Y045ZkJOb0pGdjV2eS1TRV9xMG5kSGlhLXU0LVN2VkpPWk9LaVctanhHeWlicVI2Zk8zTFYyb0FOQklDSGhYRXJ6NWZYWW9fdk9TY2x1X1dESHBxVXZHMWNHQmxKQT09 |
What is your experience - have you built wealth? I’m a retiree looking at options trading and forex, both manual and with bots. I don’t have lofty goals - would just like to generate an extra $2000/month if possible. What do you guys recommend I do considering I don’t have years and years to perfect a strategy? Whatever you recommend, can you recommend a way for me to learn it? TIA | r/options | post | r/options | 2025-01-06 | Z0FBQUFBQm5teE5QQTRBdlFYajBHekM5M3VoNzJSNDJUTnk0bVkxaXMxVDZ5cTNhTHhySWJEb0lueHdZRGVOQXlUdmR1S2M1dVEwNXFlWlJyeWJqWm9Bel9ONUJmQTk2eFE9PQ== | Z0FBQUFBQm5teE5RWWhfalpJTDB0dlU5VnpkRTRocEpHLTM5WVdSaVI2NjJsQ0FqelRBdEF3SjBaUW9zOGNGcWluN2hDR2lvUDdTaWZfOHRMajJpR3l0MFJwcWRubDRzeWVZRmN2RE01WlFFcTZEd05STTZOamtvSEh6a01uRTl4eGpSVkpUeU04WnBEb0UybGNtLVc3WmphLUM0OEZBdWlhbzRWMnA4X1RuX0NZM1RrVXh0SW5UZ3IwMnFqbWs5bGZVd0gzcjZiR3FR |
My life has had a strange dichotomy over the last decade. I have seen my financial graph go ever higher (to the point of FIRE) while other aspects of my life have fallen apart in all sorts of ways.
The classic Tech FIRE story: I am a 33 Male. I grew up in India and moved to the US for a masters in 2014. After graduating, I moved to the Bay Area for a job in tech. Although I was quite starry eyed in the beginning, the expectation vs reality of a tech career hit me pretty hard and I soon realized that it was not something I'd be able to happily do for good. But I was making a lot of money and not spending most of it. As one does, this is when I discovered FIRE and it fit perfectly into the puzzle. I was able to steadily move towards my FIRE number thanks to the tech boom over the last decade. I was going to use this time to reflect, figure out what I wanted to do, start working on it on the side and transition as seamlessly as possible in the lead up to FIRE.
The unravelling: Around 2018 I started suffering from a lot of gut issues which turned into a full blown chronic illness in a couple years. The quality of my life has been extremely poor since then and I'm lucky to have kept my job only because they allowed me to work from home on health grounds. To add to it, my very short-lived marriage ended in a difficult divorce and caused a lot of stress and trauma, making my gut situation worse (Luckily my nest egg didn't get dinged due to the short length of the marriage). After the divorce proceedings ended, I decided to return to India and moved back in with my parents last year to take better care of my (physical and mental) health. My job has allowed me to work remotely from here but it's getting increasingly difficult. A reorg last year and the ensuing office politics has become an added source of stress and pushed me over the edge. I am burnt out from all the blows and unable to take the stress anymore. I've also realized that my gut issues are heavily psychosomatic and are directly related to my life dissatisfaction and the chronic stress I've been under.
I hit my FIRE number last year and I know I'm beyond lucky on the financial front, but one doesn't imagine turning in the letter on a low point when one starts their FIRE journey. Since divorces are looked at a bit more critically in India, my aging parents have an added anxiety about my future. Thinking in forevers is too scary, especially with so many uncertainties I have in front of me. So I am thinking of it as a year long break. I'm considering talking to my manager about my situation and quitting in a couple months. I don't have a concrete plan but a few ideas of what I would want to do besides focusing on my health. Despite a downer of a post, I have a pretty positive orientation towards life and interests to pursue. I want to write and I want to work towards a career in Psychology. But the lack of structure and a concrete identity are making me anxious.
I guess I am asking here for permission and feedback on my tentative plan. And I'm hoping to hear similar stories for inspiration.
Thank you very much! | r/financialindependence | post | r/financialindependence | 2025-01-06 | Z0FBQUFBQm5teE5QUG1NcmFtOFR3ck9MemFPV0xlc2Q3MkVaVUYzeE1UajllR19KZEhqbjJBVHIxUUFRd3d3OHZIdE5tUjFXWkdSNXQ4dXBhRWlsb2JyN21EVWtxOFpFQVE9PQ== | Z0FBQUFBQm5teE5RNlJrNF9JSmNTX3BVYTBUcloxVEN6Umt5VzFlQVExWlEtRFJyTGJaVWtFSHlrbFl2OHREc290QlJiczlFME0wUktZQXhPZHh4Ym00YlJRVmJ4UnpUT1RFUVdvU1U1cHBGU3IyM0U0d1QwcmE4QWVyU1ZnWUJNSmhEczN4dEV2TEV6LXNXd2hvZGdVY3F3dk82UGg2aVd6UHFyYkR4Y3dKZTZvVFduZWI3VHVoX2ljUklZN0NES0dEa2N5ZXJIanFPQjE5S0ZPekZ2M2FHRjdiT2pWckpQaEZHR00wQi1ZSy1LWExnd0dKLVA0az0= |
Go head sell now lol 😂 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QdkhLRUdZdGdZTHVVVlFCM2JZeW9lemVNSjZlX1JtWHZMUnV5c005eVlrUndRMGdnak5rQUNXVVNBRnBYNFNxc1UxdlJqRUVRZXRCV1hsT2dCLVBDaGc9PQ== | Z0FBQUFBQm5teE5RVTkwZG5heWJyaWVrUE0zdmxhcms4ZGt6WW9Bd01URnN2cTZDTDNHRDQ0NndLTncwVldHbFFlR0hCUnRZMUVmamp6UkM4TDVfUzA1WFJ4cnBKVjVOS2tCZTVwNDlVVkFISkhLYi1XQzlVMVFfZ0MzRWtmU19VVl9femFGTXJnamZST0NDQ1lWTXJoYUxCTndkdkprTW55Mkg2a3NIeWw1S3ZfQ3NXMjg5QVJoTkE3SEhzZW5HZ01Bd2hfbHNFVjZm |
Has anyone here used it? How was it for you? | r/monero | post | r/Monero | 2025-01-06 | Z0FBQUFBQm5teE5QM09rcWRvYV9jb3JVdzhTaEZyODctRlFxX0dtUjA3LUFBQ3dxN3FUTzNRbG84cnk4SmV4cXE5ZzNiWjFrYlNfREdGS3RLUDN6TE9kcmtCZ0xYb2xtWUE9PQ== | Z0FBQUFBQm5teE5RT2lVbDFGTEhOUnRGUExSb2Nhbm0yLWpsX0lLc3BrdU9lMjBfVDRPMzJvRDBrWXBsdGJpdklrQlB2WE82N0JQSG11Z19aV1VEUlVZTW1FQzBNQ2QzbEZsN3VDZFF5LTNXaG9LX2hmRDZveU1kRkNKRThBOWkxN3gzdThBZGhkLWY5RWtRaElCTFdjZDQ5SmtTT1luNzloemhtX3p3OTN5bjBzaDZZYU1TUEZVPQ== |
Exactly lol 😂 and they will buy back at 300 soon | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QekJYWndzR0tmWGRVSHBKY0JDM24tY2xqcDJYMWo3VUF5ajhJa0JvYXNTQWNHMmFHNEVEdlNmRmdpU2V6LXZwZjhkTFJrZi03UE9wN1g1dmNDaFhBX2c9PQ== | Z0FBQUFBQm5teE5ROVJGMWJISnYybUg0N2VCZEZPYTNTOHpGSjg5NnI4dEwzLThfb2hpMEhpeWk3VnVubkRVdFhiMnRDZEtReXYtcVh0NDE1QWR0ajVIVl96eFhGVjhvX2xqRUJ0NXQxOWtsazF2M0Zwc3VHTnpCaGkyYWVVa1NxRnpBSHhDUXZ4OFE2Sm5qZFE2cElRWHhHcFVLWEd5MkJGUXV3cGh0LUpNWThvTWFhbWctS1VGb2NobWxld2FhNTMxU2ZaVHcxczBQ |
Nice, looks awesome!! | r/tezos | comment | r/tezos | 2025-01-06 | Z0FBQUFBQm5teE5QUkZEcUR2YTRQUE42ZnZIaGg5Smg5U3AyYUtRa05JaTRGaldpQmRoellCS3NFTzVZOWk2dmxnaXZVazdYQlE2dElJdFJPSlRiVkY5STc5WXJDMmhqd1ZkbUljUExGSlNyVjhqd1RaTkJoODQ9 | Z0FBQUFBQm5teE5RQXdaZXdQU1F5YVVxci1hNFRMVnR4LWw2RVJPX2owcklLS05QYi1ybXBGWWVYUHJHeEpuaFpfRmVEdFFlQmlBV0Vva2ZneUxucThtTzMwYnBPcFhrZENyMmxnQzVuUW43V1lUaTRZTk1nNmIwX0tRMVYxTzJjNUJlcTQwQVpNMU5vZTdNQkNVeFBUdjlyQXpqNjczakFIZEZXTjA1STNIUTJ1YzFST1ZNUmdGM252bWh2MFRWejNHRGhjbWlfZHFoQzdVd3hCQkU3SnhRSUZ0cURvUm0tUT09 |
Do I need to have an LLC if I have just 1 rental property? Or is it highly recommended to? Looks like I will be dipping my toes into landlord life at some point in 2025 and just trying to figure how I want to do this.
TIA | r/realestateinvesting | post | r/realestateinvesting | 2025-01-06 | Z0FBQUFBQm5teE5QVlJwdlVMRnpPMENEZ0tKTUZXWHUxUlVCd2VlSDA1dzlKWkZBT1hvZ01iaWc5ZGQ0NlctMkhDVVJhbnh4MkNteDQxRzU1YnVTTDhzUEVzSUdtVlJNaGc9PQ== | Z0FBQUFBQm5teE5Rc2FfdWlxN0J4bFdmN18wS2hvRTgwdzhaLUFtVnIzMlF0RHFEQll0MWJPQTFpUko4SDBmc2p1Vy0yODdMVHpNN3VHdktiMFFqTjF4Rks0ZlpDUDZJNXNwQzA0YnhMMDg5MFQ0bmcxb2pBcFllOWdGTVRyVzB4anR4OURlUldkZjE1M0xxaGhJSEFvQldXODRGMjQ3VlJiaHV1MExhT1pQX0JBR3FwR3lEcU93cU5Scmd0empkeUZfaTREOU1Pak9jZnBiMkNVTEUwQkRVeDVSa2xFZC1rbXRnSEkwbFdrTjdELTZjVFBuNGJwVT0= |
I wanted to share my frustrating and unfortunate experience with Wazo Furniture to warn others who might be considering buying from them.
Back in early December 2024, I visited their North York location and purchased a piece of furniture. They didn’t have it in stock, but they assured me it would be shipped to my home within 10 days. I paid in full and waited patiently.
Days passed, and I heard nothing from them. I tried calling their customer service number—no answer. I sent multiple emails, only to receive automated responses saying someone would get back to me within 4 hours. Nobody ever did.
At first, I thought the delays might be due to the holiday season, so I gave them the benefit of the doubt. But as more time passed and my attempts to reach them went unanswered, I became increasingly concerned.
Yesterday, I decided to visit their North York location in person to get some clarity. To my shock, the store was completely emptied. The phone number is now disconnected, and their email no longer works. They took my money and disappeared.
I did some digging online and found an article detailing similar experiences from other customers. It seems I’m not the only one who fell victim to this scam. What’s even more alarming is that their website is still up and running, offering “deals” to unsuspecting buyers.
[https://toronto.ctvnews.ca/i-gave-them-a-call-they-didn-t-pick-up-canadian-furniture-store-appears-to-have-gone-out-of-business-1.7164578](https://toronto.ctvnews.ca/i-gave-them-a-call-they-didn-t-pick-up-canadian-furniture-store-appears-to-have-gone-out-of-business-1.7164578)
| r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-06 | Z0FBQUFBQm5teE5QQ1o5cWV5MktELTd3UGxLdC1SeHJjcHI4VWpMZFZZR291YkYwS3FremxMS0pwektUVENvdFJZYkIyU0VCQUVYSHl1RDZWMWlJR0FGVXRHSm53R3FhMW0yZmcwOTQ2S0FSbFMtaFNtOTRHa009 | Z0FBQUFBQm5teE5Rd0lzc0x1QXJpd0JOb2FxQld5Zk8wc2ItWFVPbDBfMGZwd3VQbTBfNU1jZW9McE4taXU3NXppYVMxWVdTVXlwbzBqMkMzSzkxcTVQenMtVnh2RHc4Q0hCQjNCblFqZGpTMnd2bnlVR2l3RExKN19zOERCUkNuYW5RTm9tMTNieTJDNDBpZEM5ckVTUHNMYnBMUGIxR0lzWTJ5MU9ISm95UXhsX1MyYk9aN25sb1ZNcGc4Wnp2V0NZZ3k5NkV1cWwwODBxTmlmZXlJMm5Hcjh4RkFSNWhWQT09 |
Trumps inauguration. People are fearful bc there’s too much uncertainty and instability until he gets back into office | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QNkZXejc4MVVieU1jaEI0UGpPWUlHVWswQ2I2YXJYRHp0QXlrSFVkQVFydzg2N1RyX3B3SU1EcXV0djBwRU1ndXpLUjdkZ3hYdlFDdlFqcll2TzNRY3RrY1l1UWNobjhQelJrUGtXTUtHaWc9 | Z0FBQUFBQm5teE5RQXBtOVgyRmV3OUNCcUxzdkpGdW43eGVOMUpWVkFJV2Z0RUZCYUZoajQyQWJmZk4wRXJaLURSRXNyQ0NZTU9hY191UlJpWWNoSmNRSGV5cFZnNzF5czR2QkxrLXZpVFVaU2xjelpWY05GZ2ZtZnJjYmVsZlU3OU1UZHdtdGlsWVdCU2F5TU9tNS1wdm84XzFZRE9EWnROdXRuQjNkdTQwWjIzRS1MWDNnNi1vamd2cUxJTVBaVkNLYkNEUFN6djBX |
DONALD MCINTYRE is a supporter of zionists terror invaders kids killers, that man needs to leave ETC alone | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QOVRMVHMtMEtCWnFFbzlMQzdyRFlrYndtZFBWOWYwc2Y1emFCdDZSN1ZSSWZlWlVyeFZfdGhWb2lvcnZuRXFWZ1pfN3BEcDlfaFFIV0xTbHhvZ0Yyc2c9PQ== | Z0FBQUFBQm5teE5RZUVjVUtWUGUwWlNnczBZNU51S1JFNVVfUzNlZUhyUk45ejA0SmJPR1VYaEN4YU9LQlQ4RHBISTktZDZ1ajkwbE9xSWY2YjRZYWM4QkRhVzVWRkVscDFpcl9wb3U3MkxJNGR5RW1hM0w0YlY0Rl90RDdwRWdwcjZhS1FoRTF6V3E5UHpxek1YY1lwdEpzeUtUcmtoUTVzdkVpMERNdS03YTdiLUpJQ0dlNmRQbVNfVGxxYUhPMy1IeUNfeHJFdkwz |
I've sold most of mine. I just don't see much hope for ETC. Keeping few till 2030 for a laugh. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QTzVwNDNVWk93ZlptMHM3UWxNOGtZdUJTc3FXbFhQeUNqdnJ3YmctS2E2UFphX2pETEttREw3S1NSZTZwTGlZeUJreEppalNJaS1zQjN5cnlKU2xUZ2VsY1V1ZjFqU2M4RzNRN3VTM21VQWM9 | Z0FBQUFBQm5teE5RcldCXzhDZlJHWVVZRHNwdTVRR1hSemxjcGRRSkp5TTk0a0lIZTEtaGFvX0dqMUFkMTZwbTd4cGhnSmhtZzM3ci1RQlp0UEl1THZ5OTRQXzZMZzlGekRPRXN0dVBkcVR4TmctdnctdEY1aWd3MW9TYWF3Y1ZucWdYY2NOVFA2SHFhS01wdVRGZXYwSFZ0MVRzVlZBZ29SSXBUaFdoYjBnWEVrWXJjM2djS00wVjhkdnFMazJqV1dJUzktYUNMOU9V |
Bullrun is in full swing. Most alts like ETC are having a hard time. Some of my coins have 10x so far. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QWTBCYVB2SnJFSmw3anJ0MkxpRVhNS0FXV3ZGYmVEeE1YMWg0TS1NTTJOU3FHaVdMdmVLLVFhNHZYSk1oOW5OT0NDQjBBMlpuTlQtaHlvanhlQ3M0WmZCeDB2VVozWDgwRklmam80b3EydWs9 | Z0FBQUFBQm5teE5RcGlXekhwUlBlRmhoQUpuVWRZZktfWC12dG1ydlRKRkx5M0Z5bk9nSnFheHgwQml2NnhWdzB3TTJYSXlYX3VuWlB3QjZVRllZMWljWFBqcjVGVTQtLVZ1Rmh6SnhUUjhBQW43TWU4VzJ2WFdYTVpMV2YzVWp1cVdCaGJHdklBMzZvWTY0QUNWem40S3ZkZ2JQWXpqOEI5WnNUdW14dWVpVVVFOFJfVmUtQlBncG9Ub0ZoZ3M5dVJpQnVnTDF6dHlR |
this. just sell already. no one cares if you do or not. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QSmtzWHFkVmdpRkRCVEktX0hidmg4c041RWVnTUJMMFQ0ejB2d05kN1RfN3FOWEZjLVhSUVFMdVdLU2t6LVk1OS1vMDdseXVfSGtpazdjZlZiQXQySXc9PQ== | Z0FBQUFBQm5teE5RdlJ6RGhVM1J0NW9YUGNubFI0bDM1Z2ZjcldrMlQ0a3JibWxBTHBPLU05VkxOdGpLek96SExxc2xXM2ZnN0czdUk0YVZFcTM3Y09hT3oxU3laMFp4cFRkN24yTG5VdFlLVjNwY3REODA5NGRaRzRHSmU0Z1AzT0hLTUdPWnNZZHdjWGFYS2EtbUl0Z2hqQzBaQWt6ektWU2ZjUGdoYTF1azBzcXVFUmswYjdsMm9FWkh4MVFQa19mRGR2a0p3LWFn |
I think this sub is very underrated and isn't being given the credit it deserves. Unlike other crypto communites, this one actually has constructive discussions and offers alot of beneficial information that Ive never seen on other subs.
Add to that the professional mods here, because the ones on the other subs just act like tyrants.
r/defi is a hidden gem.
| r/defi | post | r/defi | 2025-01-06 | Z0FBQUFBQm5teE5QcmxlVU4zY2NaTnU5d2VUeXNZOFlPRzFnSEJGdmRLWmptZm1pdzI5ZktMX01iQVlSRDZfYjNxX3FkZWxuOW81ZmlXU2lGYWNhSGtES1R6Um5za0Z3LXc9PQ== | Z0FBQUFBQm5teE5RdDh6Qlo0eFZyM3pmZjdzdWRmOVhxZFhYaFpHTU1IN05ua2MwcWJPNW1wY0RXTGJjNDBoeVlGekgyRmt6djhNRE9yZEhXbjdUOHoxNUNxUE5MNV90N2JwZ19BQzg0Sk5nNk5tZnlBOV9rcW1OOWgxWHpRNUVuNXFCcnNfZ2lGbzg1TkNSN0d6TjFFdWdib2h0dzY4YkVQSkJNQ24tT2ZLdU9TdGVUcDBIUEFzPQ== |
EDIT: Volume increased once I posted. BE CAREFUL!!!! Please don't buy it too high if you cannot afford people shorting it. Once it's over a certain amount, it'll be a Long Term Hold. I do not have a target price. I DON'T want you to be a bag holder!!! This is your warning.
EDIT 2: I'm going to stop getting notifications for this post. I'm not accepting DMs. I wish you all well, I truly do. Don't forget to set Stop Sells if you can, and cover your investments when you can, for all your trades for any stock.
This is not financial advice, and do your DD. I have no insider knowledge.
WARNING: Buying low volume stocks can have you holding until it sells (not as many buyers and sellers).
Disclosure: I purchased 4,000 shares today.
I get obsessed when I'm interested in something. Last year was reading books. Right now, it's finding undervalued quality domestic tech or mfg penny stock unicorns- that haven't skyrocketed over the last couple of years, leaving bag holders. I'm not a day trader. I'm not a bot. I don't use AI. I don't use tools / software. I'm not a full time trader at all.
I am assuming many folks are chasing the next CTM, KULR and RGTI. And they're probably reviewing undervalued penny stocks in tech and mfg. So it's just a matter of time for lower volume stocks to start showing up. Just like FCUV did.
I posted my thoughts on low volume stock FCUV and the next day it jumped over 300%. After hours and hours of research, my next pick is NXPL. Here is why.
$1.08 current price
52 week low: $0.71
52 week high: $2.68
Avg Volume: 177K
Healthy cash reserves
Florida company, doing business in multiple sectors but main biz is satellite services for government, commercial and individual users.
The company just approved a $2,000,000 share buyback. Look like due to a recent 70% revenue increase, they have plenty of cash and need to reduce shares to help grow the stock price. Details here: https://capedge.com/filing/1058307/0001437749-24-037851/NXPL-8K/file/2
They have been a powerhouse in new acquistions and mergers. Details here in 2024 Q3 quarterly statement:
https://capedge.com/filing/1058307/0001437749-24-034987/NXPL-10Q-2024Q3
136% YoY revenue growth 2023 to 2024: https://capedge.com/filing/1058307/0001437749-24-035234/NXPL-8K/file/2
Secured 3 YR recent government contract for satellite services: https://www.stocktitan.net/news/NXPL/next-plat-s-outfitter-satellite-awarded-three-year-state-government-hbsqc2orl2uj.html
News of launch in JD.com, which is the world's second largest e-Commerce market, and the largest self-operated e-Commerce retailer in China: https://www.prnewswire.com/news-releases/nextplat-gains-e-commerce-access-to-over-340-million-consumers-with-launch-on-jdcom-chinas-largest-online-retailer-302327503.html
Analyst review: https://oinegro.com.br/news-en/nextplat-stock-the-hidden-gem-discover-its-future-in-tech-innovations/27211/
Other positives:
* 20% ownership by funds / institutions
* New insider acquisitions- did not see any exits.
Recent company presentation: https://ir.nextplat.com/company-information/presentations
Financials details here:
https://capedge.com/company/1058307/NXPL
Remember- I am just like you. I am not an expert. I offer no guarantees regarding this stock taking off like FCUV. But I am ready for another healthy penny stock to pop off and think this could be it. Please do not DM me for more information. This is all I have. | r/pennystocks | post | r/pennystocks | 2025-01-06 | Z0FBQUFBQm5teE5QZ0xVRXZid1RVYk10dHBfSzh0T3E3N0hYZTRtU19PNFV0ek5lLV82NVRYY3BSS2NSRjJWYlRidU9haHBXbUxLUnFHQmJuaEdZRVZCbHJpYUYxOFhMYjhJQWVMaTRDdmdGUEdVc2dBT18yaWM9 | Z0FBQUFBQm5teE5RcXZVM2s2MkdEdnpvWFloT3BPQ0hRUVNyOFhHZWJYREVoWFlreTdwa2FsWlo1RmNIMUhMOWNMbV9yb1RSUGEzVXducHNJTmlMLXF0T0NSZXY0blVISXR1OXN6Rll4T1p2Wm1QN1pBWmVLVFVhZmZBclBvY2YtZGpuNC0yak9tUUZmenZFT2d3VndEYjBieEdOcGZabkVwNDJHWFZ6cjJzS3JrcGpPbTZMT3k1c004OV9USTg1X3NOX0tzemJsYnFkaHhZY2ZZR2tLdnphR0VFRVpKVFFSQT09 |
Looking for a longer term perspective on FIRE. There are lots of people on this sub who have prepared or worked towards FIRE. There are many who have been for a few years and give the transition perspective.
Wondering if anyone could give a longer term perspective on FIRE like greater than 10years. (Eg. If you retired at 45, and now are in your 50s/60s.)
Some questions:
- Did your prep/calculations sustain you?
- Was there something you overlooked?
- What would you do differently?
- What did you worry about then vs now?
- What things do people preparing for FIRE not think about and should?
- EDIT: Also if you feel comfortable telling us the year, your NW, SWR at FIRE and that would be great though I respect everyone's privacy.
Thanks!
EDIT 2: There have been some observations (rightly so), that the last 10 years have been a bull market so perspectives might be skewed positive. I definitely did not mean to limit to 10 years, just anyone who has more than 8-10 years. Could be 20/30/40 years ago you FIRED! Just trying to understand the long view as opposed to pre-/short-/medium-view.
| r/fire | post | r/Fire | 2025-01-06 | Z0FBQUFBQm5teE5Qb094UUUtVkdEclA4SlUxVGQzSDc0UzFVbVYySHZ4V0p2SmUyeno2NjVlUWZWMEVBel9ibnU4eW9Mb1pFSFR6aHE0T2s1SFhSN1pBRGNLTnFQblk5VkE9PQ== | Z0FBQUFBQm5teE5RNWlQcGw4eDQ3LXlmRXNNT2E0TW1zVzVMSEhDN09lbDFJRGtRdjFTUUd5QzR2UlljbFRPMS0ydFE1aU1Qd25ZalVZSkRxTVpBSTVlakw2OGdKUW04djAxanhLVTUxT0VVdmo0QnF5aWxMZll1VFRUaHl5MjdKNU55d2d6RWhKRVp2RS1TUnlaNlFFeUtOcDdhZzBOS2NRSEdVd21rUXBqUjZDWTR4clJ5bUtpVXhQZnZMcHlWNjc4M0J6QkJWSW16TURORGYtM1R4cEhIZmFKOWY2WGJZQT09 |
It’s taken me nearly a month to resolve issues with their platform—issues as basic as non-functioning tickers, which makes it impossible to track my portfolio. Despite paying for the premium subscription, the platform has been unusable. The company appears to be run by a single individual who handles all customer inquiries, backend administration, and tech issues. I’m currently disputing the charge with my bank to get my money back. I subscribed for one month but barely got through the seventh ticker (out of over a hundred I’ve tracked over the years) before running into problems. Do not buy this product. | r/investmentclub | comment | r/InvestmentClub | 2025-01-06 | Z0FBQUFBQm5teE5QYnY4Y2JjRS1fdUJhV0RCTVFiSmVCdnFUNkZQVmtFY3VGbkpXNVQ2V0U0MGpFTF9xUWo0ZDduUmV4bzcweDBudWVBSTdQc1B3R3dIQktXcTMzbURiQVE9PQ== | Z0FBQUFBQm5teE5RWE5Xby10R1pyNW1PeFYzUDVUbW15aWdQcnNGWXlKVkJ6TW1zdUFuRlBxLUFCaTdab1BWSWp5ejJDTmFZemoxOC1VWHJfSXYzRzQ3bkRIT0NOMGZnRHh6SThLMldQckZ0c3EzbUlKbDZiRHdoeS1HX29Ya21KRnB1MTNXZWdJeG8yeGxaaWllWGJEaGpZZXhTZkFEZUdzRlFodUUzSG5lS3lQM3B3RnVXeTZmZDhrWW1Jd3I4UnNPNUI2cTNULTZaM1ZEcnkwY1BvdGV6Z1JzdUFHc0Rydz09 |
I heard about crypto investing being a big thing in 2017, so it's been about 8 years until I made my first step. All this time, this narrative has been what was keeping me away from crypto. I heard a lot of stories how people lost tens of thousands of dollars investing in crypto, so it's best not to start at all.
Now that I'm finally here, I want to know if this is true. What is making people say such statement? Also, if you believe this is true, why are you investing in it?
| r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-06 | Z0FBQUFBQm5teE5QNk50czg4YXVSZGJ3bEtJNGVTbTR2WV9SajBlVTA4NkN2WmFJWHBNODU0TFNWTVNtdW5KMHRFSXp6UnowZU1VdjlvOWV3Z1RlQ0J5N2VaLUV6MXl2MjhqXzVYQ2pDZ0ozUFVIdmNhVnphd1U9 | Z0FBQUFBQm5teE5RckV4aVNZb0hGbUw3eWNDRDhqekp6RjREaFVBM1dWMm9UejVTWXl4REltSnF1bDhPU3hJcnJxTkFzOFFCMHFNSzlhTGVxU0YwaGN3ZkJndU0yZkJrZ2t6dXFnRUFBM01DZzdWalczbnZsVU5VeDQ4RC00eHpyZFVTd2VHTGNXcmYyVHdVQlFpbDNIbDJjT3BBNlp0TEw4d2lWSkM2V3B3eGZxZDFOYXpISnFpeHk3Y200R2hpUXh1dDZHcVpORkJkMlZ0ZWdoNWJMdXIwYVRfYlV1cGw5UT09 |
What would you do in my situation?
My rental property taxes and insurance increased significantly, and starting in February, my first and only rental property will be losing $250/month.
Looking back, I regret buying the place and realize I made mistakes, so please don’t be harsh. The property hasn’t appreciated much, so I’d be lucky to break even if I sold it.
Do you think I should:
A) Sell and cut my losses (or at least consult a realtor for advice)
B) Hold on, take the losses for now, and increase rent when the lease ends?
| r/realestateinvesting | post | r/realestateinvesting | 2025-01-06 | Z0FBQUFBQm5teE5QbGRBQUt4Vll2b2tQY0VNN0NSUEZEYmFtTG5kSXhmc011YS0wd1pKdDRPSjZfZS05dWcxRmhVd0JHZ0RTMVRObVhFcnJ2Ynl4dXltTTE0d1c5ajJHSEE9PQ== | Z0FBQUFBQm5teE5RV29naHZ4cHlrUU1LbThJMUhkSUFhZmN5U2V2eVJIX2dheVRhLUJpZE1lQ05VR2p3NHJFQzZQUk1VM29OSFpmckFJUzQwRXlFZklReUFBRkxRamptdUlrTlYtUHNnSnVITW54cHJrX3FsZl95eUdGR3F4WDkyLUhTWW1EajhodVlZdDlJNlZmYjdEeEl5Sld3SF9IMWx6WW9pbkJpMnBmRll4cGxVeGRiV0xzYVBWdExINi1ONWJXaW5vTWVRcEFUNWQzanNkRDh2REN6R0JjalZJRUQ0dz09 |
Now that I've been retired over a year, I feel I have an established morning ritual that sets the tone for the day and celebrates the retired status. It goes like this:
* Wake up without an alarm, which can happen anytime between 4am and 7am.
* Make the bed and throw on loungewear, jammie pants, T-shirt, slippers.
* Make a cup of coffee.
* Work morning puzzles like sudokos, Wordles, crosswords (there's a lap I make) until I'm functioning.
* Make some breakfast once the stomach decides just coffee is not right. I've been an experimental foodie, so this is sometimes interesting.
* Finally get some real clothes on with real shoes. I'm almost always dressed by 8:30.
* Review my list of to-dos for the day and get started on it.
I'm sure yours is different, and I'd be happy to hear about it. I recall visiting my wife's aunt & uncle, and I noted the habitual morning constitutional walk around their Tampa neighborhood, which usually included tall water-birds also taking their morning constitutionals on the same sidewalks.
Edit: I noticed a lot of you shared your whole day, not just the morning routine. I gotta say, after my morning routine, that’s when the paths fork for me and it often goes in any of a hundred directions.
Edit: I’m gratified that many of you (not all!) get up pretty early in the morning like me. I wondered pre-retirement if I was going to be a guy that lolls around like a mattress manatee until 9:30. Well, nope, and that’s fine. | r/retirement | post | r/retirement | 2025-01-06 | Z0FBQUFBQm5teE5QdUpMNVQ4Z25oVERJbU1lU2wzbEdqdUhMX21XSTBDa1NUZVcyVGxUVTZIMzRkZzMzY1dKbE0zNDRHa3hHSVg4X1BfSGRwSlYwZE16djJRZU02cU40ZVE9PQ== | Z0FBQUFBQm5teE5RMnVQblJORzlDaFNvX1lBaUFiQlZUMEZXY3dmTXB3dE81TFFyb1pPOFo2LVE2Sm1BaUhSVDJGS2UyLWNmQzhEV3F4YzhBcFVoSjhwa1hLUTBKOEVvUVFqX2htbFo1N1E5bFNrc0M1Zkl4V3NQbUJBUG9lRkI3Ui1aMWdGazVuQ3FYaElVWWw2RURWNG9uQUJYd2I1ams2OXlnSTBfbXpkUTN0MjVQTEdMa05JNDd1c2t3UjQtc2FFLUphNG1OcVRpU2hwdFNMSHBTLVUxdTFiRTJ3Y1lOQT09 |
The Stellar East Africa event on January 11 explores how Stellar's blockchain technology can flip finance in East Africa. This event will highlight blockchain's role in financial inclusion and cross-border payments. Participants can connect with innovators from 11 AM to 5 PM.
Read More: https://lu.ma/96k4x7wd | r/stellar | post | r/Stellar | 2025-01-06 | Z0FBQUFBQm5teE5QLUpZMmFsUlAxR3dpUEZmZWlzbnNVSE5ZWHlsNFFkcWN5U3hGUGlVcVBjSUVxbzJnOWFfVWRoaVVwTG05dUtsOUZiOWp5MnhDLU5IZkJYRVlpRVJRVEE9PQ== | Z0FBQUFBQm5teE5RV01hRXpyS0N3WUV5MnBMVFhzYm5rWWxJdE5IOS1uX0RzTVhxbTNrNkJSV2dpcDR6X0lodVJCQkxXWmk5UUpVUVhGUlNTRDJHMzJNelM1SlU4bWZIYW4zRnM4elk3V1NuUzU4VXBiVTVYcWxBWWNvUW5CaHRVQ1VlTkd1TDBOOVZSNE9udjRYdHNHdlp2RnVsZGh2N0FrX09OZFFYVkRLQ01QSFViOUFMd3RBd2o3RkRKRmRHcG9GTmYtUlM1bTdBal9QV1IwMm54N1BiZzk1X3JsMkl3UT09 |
Yeah that is pretty funny could say the same about bitcoin. He made more off of XI24X coin in 1 day then bitcoin in 1 year.
Well sure but your money also would get wrecked the next day in whatever fad memecoin.... | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QZWZnS1NCcDBRVUFrMmNfUW1xQ2t2SUhzNGx4Z2ZfbXlVSzFYdXJHbU1lTUd5M3pCRGplbzZjMGFscTB2ZW9TWUxkZGU3NnFYNldyYV8xck96SDZ5LWc9PQ== | Z0FBQUFBQm5teE5RZW90cUtmZTVMNE5SU29FUS1TWnctajJ3NVRiX0lkSXhaTnR4WGdlNWFZNDdyMG5sTUFITTF2bVNXTWxGRS02d2RvcmtGRlBSdF9wZ002UHNwallHb2FMODV6cDZnQlBaR1oteExLX01hTE16dlRnRDl2ak1XNjRIMGY3T1Nxb293ZWlya1c2dldTWExRX190SExoSmRlMllKOHpSM25UV1FuclJNa0FzMnZ4UmdzMVdKSHo0a2JOUjBsdnhzWmNo |
Why don't you buy Gold then? | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QeWFsaHc2dFJ3ZTdVRW9vUnQtelV0VkFoUkpVTlRpTjZtZlREN1d0UnphOGg3Mm1pMDE4eElJWU5lckx6c3pCakxBTVRfczhfdFp6NlZyOWI3Nl9lTGc9PQ== | Z0FBQUFBQm5teE5RY3U1LW9mNnFlT0V0VDZYQmZ2T1RoTlpFX0pxTGRWNnVjZVFTcW9Kb0RVMllNRkZSbWVOS3lFZWdraDdpWVhBRGZPb0RMMUVPQ0k2bDRSU09xRzlaazFQYU5OeWNKSVlTcFAtSmNHWkNqTFlmTXFpLWRyVTVxMWFZbUZKTUI2bktZMXhJUDdhTks0UmdoMlVuMVUyanJBZExhYkZCem5nTDdVNGZVRWNweW1wcENzYy14YURxX0habTNleEVWWGZU |
Personally I think 262 is fair to mid reasonable. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QVTlKeU9zeHVocFdBcFU2eWFtYmhIQ2d4eElkVjdUb3JLYjRjWXpYSG0tSm9ZeUFZV25JZ3BPUEVrMlBJMXpROFFWUVB4ZTFiUW1mbEVndHB3WklMZXc9PQ== | Z0FBQUFBQm5teE5RNThtbmdpN1M0VXhmc2hQV3lrOUlPYWJFTnp6Xy1BOFVDSkN6dzJHR1BjemJBZG9SODhIR2hiUWwxMVF4NUpEUVN2SVZDQ3BWVTYwdmdtSGgxd3I5YnhiQks0cktzVUkzOXMyMDNrLUYtMmNybGwxeERZckNrYXFhaVlBbHlKRGZxbno4V0xTTG93WUxsMHJYYlMwS2tiUy1zcXVYa0w1c1ZKZm9pYUhOQUhDSkJVeTRubGR1bXpzMWtPQXBzVWhk |
Hmmmm seems like you were the guy fudding all the coins so that you can short them. You forgot this.
 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QZ09Td1JxenF0cWVOYlY1MmlGd0RuNFFQLXp2TVRWc1lFZWc2WVZuVEROdE80bFhMYkpkVGxEUkdBUE5Sc21sd1AzWnFNRjg4ZWF6bnV3ZzFzSU4wUEE9PQ== | Z0FBQUFBQm5teE5RTHIwNmNscmRvcXZabmF0VXhLVFhmQWpENWlBVHl1TzdzejRCWUJ2Z1c2MVlTTDNSSFY5QTVKV0ZzNjNXclFnWEN5MmY5RmdRNndoR1FsNWVQblMwbFlwUE1BMUJyakJKeG52bkRTTkd2VTlwU0d1T0RXQ2FfNG51RjhyU1hQODh1Y0wyUTF3X19iOW9Wam9PUDQyX1k3YkVPclYtdTM3R1BoVUN6QTluZnBMSjFTQTJSelVONjNybTkxRUlvaTdn |
[https://www.bnnbloomberg.ca/business/economics/2025/01/06/prorogation-of-parliament-kills-capital-gains-tax-changes-tech-community-fought/](https://www.bnnbloomberg.ca/business/economics/2025/01/06/prorogation-of-parliament-kills-capital-gains-tax-changes-tech-community-fought/) | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-06 | Z0FBQUFBQm5teE5QeTdCS0NnaC1oREZYcU1OM3JzU19GNm5QWU5uWktZRUtheXByWnZVYUwtU1BWZFUxREc3Uk1feFIxZWJTZzRCRXlLMWFPZHFRS2ZJdWwybHYzY2ZnSkE9PQ== | Z0FBQUFBQm5teE5RX3FUMnZMQjd0b004Q1p1blltbG1SRWJXRE5xYmpBTjNyUWRYeUJYVVU5LWJ4UGJLY0JIU2JPc2FZNmxhaURmLVBoOU5KcEdWQm52a0V6bUZWWF9mZDVFTm0xYmJ6bkFhNlFrM3E4RmNPQ01lSDI1b2tzdG1CcEZGRWVrYmFMQkxveEp1dXIwckRVS0Jkem5fVlN1ZTdNWC1ZalR4U2YzZjZ5clM3a2lsZjYyOGdRWWs3a0MxLXB5TEkzdmNhcThjV3lZQUVRWW14VzlBTl9yYnM2ZXFpMU5hWm05bEstOEVDdWtfaUhGVmdyZz0= |
These are the kinds of posts I expect to see when the pump is getting close | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QWDNVYkd6WEtGLXo4X2p6YmNpc3Myb1pad2RIajNvZ0tlMWlUOGxUMGpEeTQ0clNFWTg5emw4dExUc2laTWRwRkp0YUREandsRFRBRHc0T2ktdWJHS0E9PQ== | Z0FBQUFBQm5teE5RLWdCRWllT3FmbjA5ZjU4WU0wdDRqZUE4TTFaS3BpZVhPWWNhWWREaktkVDdURjZramhaczU1am4ydFhnSEdMdFdmTWxTcGRZY09DMHhBVEFDS1JRb3Y4bVRQNzloeDV5ZkI1VzVwUTl6S1dNb19waG5hMkR3dWNvY3BLbmVmUkZKQWJhSlpHYTVYOXhKT0tMN2cxYWVhbllYSzhHcGw5MjJ4QmJOZEVOaUhfVTN1OFhZX2hNOXg1YjBHWGxsQVpH |
^[Sokka-Haiku](https://www.reddit.com/r/SokkaHaikuBot/comments/15kyv9r/what_is_a_sokka_haiku/) ^by ^InItToHodl:
*These are the kinds of*
*Posts I expect to see when*
*The pump is getting close*
---
^Remember ^that ^one ^time ^Sokka ^accidentally ^used ^an ^extra ^syllable ^in ^that ^Haiku ^Battle ^in ^Ba ^Sing ^Se? ^That ^was ^a ^Sokka ^Haiku ^and ^you ^just ^made ^one. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QbU1leUpzV2o3WkdsMXNDT2pJTkVEYy1NeXotbEpUMXV1WFI3WThEblI3YVVPc2F4SVRFdTJNYjloYXBTVEJNOEV3LU1aaFcxSU5FcU96eXNIRUlwcnc9PQ== | Z0FBQUFBQm5teE5RRXE3SGNFWWJ3c3FOMnVXOHMtd3o5YU92MjJ6NDZlbWdWOUFEWnNHSHdzblUwQzV0aGNNb0hHWVVqN2NfUkhGS2JJczAwVDNRU1dWMnoxbDlwSUlOR2MtM0ZldGgyRTBNa3NaaFhMNDY1VV9VbERDZlZnVTlRaDEya1UwcWl4TVFZVE53alp3djFoUHFwamxEM2pjVkFLcDJOaFF2SjRvRnZwM2J0ZkVTbWNJWFRkS1l3a1FOb3M3TGRBSmkzWXBy |
I'm not the guy you're talking about, I'm ETC Holder, and I'm telling the truth about DONALD MCINTYRE, you can check his account | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-06 | Z0FBQUFBQm5teE5QZXdqYmcwM2tPbEoyd0RlRHBFNjF3c0RNZXA4SDZWMnBHUnJOdjlIN2ZyU1pUaDFaQUgxZzNGRDhxR2VxeG9Yc3k2ZTlEUmphdjlHRVc1SlhEM2NMeWc9PQ== | Z0FBQUFBQm5teE5RNjVNQmFnT0dUdzZ2WTFqOXdWNU10T2FUR2RXdTkxcUR4T1FReWhzdW9TcXRUMnZIOUEyYTFHNUlkVm4ySU01eE9Ra3VsYWdFNnFVeEVGQXRVZGhsd2JONFc0U2VjdGJGTG95WTRzZU05bVlBTktlUU03Z2tDaVEwOS1SWXE2Ny1PbjQ2SUoxZUhQVUlvUWVkWXhWTW5nd0hvdFNCdHppaGlJOFFXN2NCM2lFWmFObGdsVTdmQWFYaXMyWmxjMGVM |
My husbands grandpa transfer over his business fully to my husband. The person they had doing taxes and the books was very inconsistent. The tax person isn’t registered through the board of accountants in Ohio. He has terrible reviews.
Now that my husband is the owner he took his accounts to a different place. And they have been doing years worth of digging on many years of taxes that haven’t been paid and lots of penalties. This is stuff that his grandparents paid the other person to do but was never actually done.
He has a lawyer and a new cpa company. They both have tried to reach out to the old person who was handling all of this and neither of them have been able to get what they have asked for? The old person is ghosting everyone.
The lawyer said we shouldn’t take him to court to get the money back for services he never actually did because at the time it was also his grandparents responsibility to make sure it was getting done as well. But I’m more concerned about company information, documents and what not that he still has in his office. But also I would like to mention that I don’t believe this situation is this lawyers specialty. He did help my husband’s grandparents transfer the business and a house into my husband’s name. But this seems like it’s leaning more like criminal or fraud situation.
Sorry for any typos. I work third shift and haven’t been able to sleep because I am so stressed. Im exhausted | r/smallbusiness | post | r/smallbusiness | 2025-01-06 | Z0FBQUFBQm5teE5QN0pyVjJmV1pZNDctSlRqRXVSaTROM0tULWpDTXFpektMaGw3SVB4UnVERmREN0hNWEljTE9FdTBia0pWZjlUbWNfaUFCb3lhTTlwdXVkRjJCRmdIaWNPdHotU1Yya09TT3lYZS1GYS1ORWM9 | Z0FBQUFBQm5teE5RLWRnWXppTlVMWndKWDdKMUJVdXo2VTNTWmxJSThQVDFvNlVnSHdpSlc0clBTVkRsTVpEYkpMbldwZ0ltLUpRRFkwS0xkeU5QWEFGdlZXLWNJbFZDdlozUy1RS0NMZUJNS0MtOVRmTDgxbFZxNWNFNEY0bFlBeXM1X2o5UGFJeDBVRVQwdWtqVzJTU1B2b2NNRDk2SXFwS2N0bV9tRlBUblRnZm1WNlVNSU9lR2dMVlBnYjJMdmZleHVwdkkzMW9NT3JSekNUMERrX2N3ZVdvOURoZnUxZz09 |
Hey guys and gals, im looking for a few people to help collab on my (our) current project. The basic concept is to use multiple LLMs to initially categorise and analyse the impact of the article (cheap filter LLM) and then a reasoning model to do deeper analysis on sentiment, impact, reliability, relevancy, risk etc. The backtester currently uses the top 5 tech stocks as these have the highest volatility relative to news (over 10% swings on big news). Currently at the fine tuning stage of the prompt template and testing various models (anthropic, openAI, google and together for the cheapest options, will probably incorporate deepseek also) to see which has the best metrics.
[trading\_system/docs/architecture.md at main · lunixcode/trading\_system · GitHub](https://github.com/lunixcode/trading_system/blob/main/docs/architecture.md)
We're looking for anyone with experience with prompt engineering or quant modelling as we will be using the quant data for risk (how many stocks to b/s and for how long etc) as opposed to a trailing loss. Or anyone that does software engineering OR anyone with experience with ML/RL experience.
Also wont be looking to go live until Q3 realistically so no massive rush, just need a few heads to help with the backtesting (all data included in the repo such as price, fundamental and news)
Cheers | r/algotrading | post | r/algotrading | 2025-01-06 | Z0FBQUFBQm5teE5QQWRjTkFrWjVhaGlUc3Jta1ZtV2RGUFZRaFEzSkNBRkFmVEppRVNSRDE0R0V6ODZWd1IxTThKLXdCMDVkRWZUV0hzWjhxbFhHNy0tOWFORjM3aGJWdlE9PQ== | Z0FBQUFBQm5teE5RTzU2SEo2RFZoOE8yT2dHazNkYlBYUFFxZXc4TGVSS1FIZnd0d1k0b2hYODBIWjJXc2VqOVI4N2FkN2swNnVrUVlhNXFpejlVOFpwVmhncXM5ejlrWi1uTE53aF8wdXZNZy1ZT1hYM1JCQ0JsWUYyRENZVkpiZFUwb1RQUFYyOGV6dlhzdUtRcjRMcHdOYzl0YzJRTGpVMFJBTDdwRm51QXRTNnNYVzRsUHdfQV81amZ5TmQtRHRoVmFudV9HVjlU |
# [Hey, do you like gaming?](https://read.cash/@Gigamegs/simple-old-school-retro-opengl-side-scroller-shmup-b9fdc82c#hey-do-you-like-gaming)
I’ve been working on a simple old-school retro OpenGL side-scroller shmup, and I’d love for you to check it out: [https://read.cash/@Gigamegs/simple-old-school-retro-opengl-side-scroller-shmup-b9fdc82c](https://read.cash/@Gigamegs/simple-old-school-retro-opengl-side-scroller-shmup-b9fdc82c)
If you have a moment, it would mean a lot if you could leave a rating, write a quick review, or share a kind comment.
I’ve really enjoyed creating it so far and have plans to add more features soon.
Thanks so much for your support!
**Update: A medium update is coming soon! It will feature bug fixes, a new enemy, and an exciting new weapon with an enhanced bullet pattern.** | r/bitcoincash | post | r/Bitcoincash | 2025-01-06 | Z0FBQUFBQm5teE5QbVRuWkExcHNNZzRNdkRyd3N1WFFiODh2aTNlRWtJbzZLZTBIWWIwTnpwZ2tJZGhDOThKU05LR0hQczlobWRvYzZDbVpMT0dXUzQ2eUlKSGxJMDQ1bVE9PQ== | Z0FBQUFBQm5teE5RM3EyWDA0Xzh1cDZuemthOXFrSXJsWTYyWTAtaW1oSE53aWROdTAtSmk4cFAtS1M0R0xmTVE4eFZsb0RsSEpuRmIwXzdTTmxPWTlZRFlQUWJCY3UzbTViTXhRbnhZdVE3eTB3Wk1IajRhb3hfUnUxY0lzYVFYR1NWQ1VRTHQ5ZnVnckVCOVcydVNxVFI0M1ZNd2l5dzQzc3U3Wm9RekNhSEE2bG54eFVHYnJMUlVRbEZRSE0xNWNLYU9NX0pzTElK |
Perspective as an engineer with no knowledge of finance. What are good books/materials that can be used as reference to learn how to look as earnings for multiple companies? This is for the intention to create better features to train a model.
Thanks | r/algotrading | post | r/algotrading | 2025-01-06 | Z0FBQUFBQm5teE5QLWNzQmdVYlFVZmhPZkoxREM2bndMbnJFb1RkcFpkeXFjdFZqN1ZrVnphdTFjUEZGbkVsRUlSRTJ1OWFDckplNG5KVk9LQnNPTFB1RHltV29WMlMtaFE9PQ== | Z0FBQUFBQm5teE5RTnlqTTA2T3pBblBhY3d0YWlYZlNrbFl4bG83cEEzaklxQU1VTjdjdkxoVEc5RkJQMTk3ZlBOZi1MSkJ4OGY2S3JhYl85cFM1LWRlaGV6T1hkcG1DZUMyZDJvNGtXbDlIaDJfX3BUYmNzWm12UmlQV2xNRl9xX1VwMnB3enp5Y09jT0lBdFVqN3BVQkZOSEVnbU9yWjlad05vVWVCMjBQYnAtT3ZFMXczTGlrOF9WNDBXOXRFZFBBZGMyaWxfZ1It |
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